Analisa Perkembangan Fintech Syariah di Indonesia: Sebuah Meta-Analisa Berdasarkan Tren Penelitian
DOI:
https://doi.org/10.31004/joecy.v6i1.7271Keywords:
fintech syariah, Islamic FinTech, analisis bibliometrik, meta-analisis, inklusi keuanganAbstract
Perkembangan teknologi finansial (fintech) syariah menunjukkan pertumbuhan yang signifikan baik secara global maupun di Indonesia, seiring meningkatnya kebutuhan layanan keuangan digital yang sesuai dengan prinsip-prinsip syariah. Penelitian ini bertujuan untuk menganalisis tren penelitian fintech syariah di Indonesia, mengidentifikasi fokus dan metode penelitian yang dominan, serta memetakan arah dan peluang riset ke depan. Penelitian ini menggunakan pendekatan kualitatif dengan metode meta-analisis dan analisis bibliometrik terhadap artikel ilmiah yang dipublikasikan pada periode 2015–2025. Data dikumpulkan dari berbagai basis data bereputasi, termasuk Scopus, Google Scholar, DOAJ, Sinta, dan Garuda, kemudian diseleksi menggunakan kriteria inklusi–eksklusi berdasarkan alur PRISMA. Hasil kajian menunjukkan bahwa penelitian fintech syariah mengalami peningkatan pesat sejak 2017 dengan fokus utama pada adopsi pengguna, inklusi keuangan dan UMKM, keuangan sosial Islam (zakat, wakaf, dan crowdfunding), serta tata kelola dan regulasi syariah. Namun demikian, penelitian masih didominasi oleh studi konseptual dan desain cross-sectional, dengan keterbatasan bukti empiris jangka panjang. Topik teknologi lanjutan seperti artificial intelligence dan blockchain dalam konteks fintech syariah masih relatif terbatas dan belum banyak diuji secara empiris. Penelitian ini memberikan kontribusi dengan menyajikan peta literatur fintech syariah yang komprehensif serta rekomendasi riset strategis bagi pengembangan akademik, kebijakan, dan praktik fintech syariah yang inklusif, adil, dan berkelanjutan
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