DINAMIKA PENGEMBANGAN PRODUK KEUANGAN SYARIAH DALAM MENDUKUNG SUSTAINABLE DEVELOPMENT GOALS (SDGs)
DOI:
https://doi.org/10.62281/9jfc7059Keywords:
Keuangan Syariah, Sdgs, Islamic Social Finance, Fintech SyariahAbstract
Penelitian ini membahas dinamika pengembangan produk keuangan syariah dan relevansinya terhadap pencapaian Sustainable Development Goals (SDGs). Latar belakang penelitian terletak pada meningkatnya dorongan global terhadap pembangunan berkelanjutan dan kebutuhan instrumen keuangan yang mampu memberikan dampak sosial, lingkungan, dan ekonomi secara simultan. Penelitian bertujuan memetakan perkembangan produk syariah baik komersial maupun sosial yang berkontribusi pada inklusi keuangan, pembiayaan hijau, serta redistribusi kesejahteraan melalui instrumen zakat, wakaf, dan microfinance. Metode yang digunakan adalah Systematic Literature Review (SLR) terhadap publikasi ilmiah tahun 2019–2025. Hasil penelitian menunjukkan bahwa green sukuk, fintech syariah, dan Islamic social finance merupakan tiga inovasi paling berpengaruh dalam mendukung SDGs, terutama pada aspek pengentasan kemiskinan, energi bersih, dan pembangunan infrastruktur berkelanjutan. Namun, pengembangan produk masih menghadapi tantangan berupa kurangnya harmonisasi regulasi, keterbatasan standar pengukuran dampak, dan gap antara konsep keberlanjutan dengan implementasi industri. Penelitian ini memberikan implikasi penting bagi regulator, industri, dan akademisi untuk memperkuat inovasi, tata kelola, dan model evaluasi dampak agar kontribusi keuangan syariah terhadap SDGs lebih optimal.
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