Tinjauan Hukum Islam terhadap Perlindungan Data Pengguna Fintech Syariah
Keywords:
Cybersecurity, Islamic Law, Maqashid al-Syari'ah, Personal Data Protection, Sharia FintechAbstract
The rapid development of Islamic financial technology (sharia fintech) in Indonesia has significantly expanded public access to digital financial services based on Islamic principles; however, this growth has also increased risks related to personal data misuse, privacy violations, and cybercrime. This study aims to analyze the protection of user data in sharia fintech from the perspective of Islamic law and positive legal regulations in Indonesia. Using a normative legal research method with statutory, conceptual, and Maqashid al-Syari'ah approaches, the study collected data through literature reviews of legal regulations, Islamic legal sources, and recent scientific journals discussing fintech, cybersecurity, and personal data protection. The findings reveal that the implementation of personal data protection in sharia fintech remains inadequate due to weak cybersecurity systems, low digital literacy, and limited transparency in digital data management. From the perspective of Islamic law, personal data protection is closely associated with the principles of amanah (trustworthiness), justice, and Maqashid al-Syari'ah, particularly hifz al-mal (protection of wealth) and hifz al-'irdh (protection of honor and privacy). Therefore, integrating national regulations with Islamic ethical principles is essential to establish a secure, transparent, and equitable digital financial ecosystem.
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References
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