伊斯兰众筹与伊斯兰教法合规监管:问题与监督

Q1 Social Sciences
Al Sentot Sudarwanto, Dona Budi Kharisma, Diana Tantri Cahyaningsih
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引用次数: 0

摘要

本研究旨在找出伊斯兰教法合规问题和实施伊斯兰众筹(ICF)的监管不力。伊斯兰教法合规监管是伊斯兰社会金融生态系统的重要子系统。这种类型的研究是法律研究。研究方法有成文法法、比较法和概念法。本研究的研究考察了印度尼西亚、英国和马来西亚。ICF是伊斯兰金融科技(fintech)发展最快的部门之一。伊斯兰金融科技行业正在显示出成熟的信号,2021年的市场规模为790亿美元,预计2026年将达到1790亿美元。马来西亚、沙特阿拉伯和印度尼西亚在全球伊斯兰金融科技指数(GIFT)得分方面领先。然而,执行ICF时遵守伊斯兰教法的程度低仍然是一个问题。造成这一问题的原因是仍然缺乏监管支持,对伊斯兰教法遵守情况的监督也不是最佳的。一方面,遵守伊斯兰教法是ICF对伊斯兰教法治理的核心原则。本研究考察了印度尼西亚、马来西亚和英国对ICF的监管和监督。印度尼西亚和马来西亚(全球GIFT指数得分最高的国家),以及英国(伊斯兰金融业正在快速增长的国家)。实践意义ICF中伊斯兰教法合规监管的研究成果有助于为可持续发展的伊斯兰社会金融生态系统提供综合途径。遵守伊斯兰教法是ICF治理的核心原则。它的实施可以增加公众的信任。创意/价值众筹平台和ICF发行人必须遵守伊斯兰教法。因此,必须考虑是否存在伊斯兰教法合规要求和伊斯兰教法监事会(DPS)。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Islamic crowdfunding and Shariah compliance regulation: problems and oversight
Purpose This study aims to identify the problems in shariah compliance and the weak oversight of implementing Islamic crowdfunding (ICF). Shariah compliance regulation is an essential subsystem in Islamic social finance ecosystems. Design/methodology/approach This type of research is legal research. The research approaches are the statute, comparative and conceptual approaches. The study in this research examines Indonesia, the UK and Malaysia. Findings ICF is one of the fastest-growing sectors of Islamic financial technology (fintech). The Islamic fintech sector is showing maturity signals with a market size of $79bn in 2021, projected at $179bn in 2026. Malaysia, Saudi Arabia and Indonesia lead the Index by Global Islamic Fintech (GIFT) Index scores. However, low shariah compliance is still an issue in implementing ICF. This problem is caused by regulatory support that is still lacking and oversight of shariah compliance is not optimal. On the one hand, shariah compliance is the ICF core principle for Shariah Governance. Research limitations/implications This study examines the regulation and oversight of ICF in Indonesia, Malaysia and the UK. Indonesia and Malaysia, a country with the highest GIFT index score in the world, and the UK, a country with an Islamic finance sector experiencing rapid growth. Practical implications The research results on shariah compliance regulation in ICF are helpful as a comprehensive approach for developing sustainable Islamic social finance ecosystems. Social implications Shariah compliance is the core principle of ICF governance. Its implementation can increase public trust. Originality/value Crowdfunding platform and issuers in ICF must implement shariah compliance. Therefore, it is essential to consider the presence of shariah compliance requirements and a Shariah Supervisory Board (DPS).
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来源期刊
Journal of Financial Crime
Journal of Financial Crime Social Sciences-Law
CiteScore
3.10
自引率
0.00%
发文量
71
期刊介绍: The Journal of Financial Crime, the leading journal in this field, publishes authoritative, practical and detailed insight in the most serious and topical issues relating to the control and prevention of financial crime and related abuse. The journal''s articles are authored by some of the leading international scholars and practitioners in the fields of law, criminology, economics, criminal justice and compliance. Consequently, articles are perceptive, evidence based and have policy impact. The journal covers a wide range of current topics including, but not limited to: • Tracing through the civil law of the proceeds of fraud • Cyber-crime: prevention and detection • Intelligence led investigations • Whistleblowing and the payment of rewards for information • Identity fraud • Insider dealing prosecutions • Specialised anti-corruption investigations • Underground banking systems • Asset tracing and forfeiture • Securities regulation and enforcement • Tax regimes and tax avoidance • Deferred prosecution agreements • Personal liability of compliance managers and professional advisers
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