Peran Keuangan Islam Dalam Mendukung Pembangunan Ekonomi Berkelanjutan di Indonesia
DOI:
https://doi.org/10.59580/iesbir.v5i1.13607Abstract
Abstract
This study aims to analyze the role of Islamic finance in supporting sustainable economic development in Indonesia through the instruments of productive zakat, productive waqf, and green sukuk. The research employs a library research method by reviewing academic literature, official institutional reports, and government policy documents related to Islamic finance and the Sustainable Development Goals (SDGs). The synthesis indicates that productive zakat plays a role in empowering low-income communities through the strengthening of productive enterprises and the enhancement of economic self-reliance. Productive waqf functions as a long-term social investment that supports the education and health sectors as well as sustainable community economic empowerment. Meanwhile, green sukuk serves as an effective alternative financing instrument for supporting environmentally friendly infrastructure development. However, the optimization of the role of Islamic finance still faces challenges, including low levels of Islamic financial literacy, limited technical regulations, and weak inter-institutional synergy. Therefore, policy strengthening, literacy enhancement, and institutional coordination are necessary to increase the contribution of Islamic finance to sustainable economic development in Indonesia.
Keywords: Islamic Finance; Sustainable Economic Development; Productive Zakat; Productive Waqf; Green Sukuk
Abstrak
Penelitian ini bertujuan menganalisis peran keuangan Islam dalam mendukung pembangunan ekonomi berkelanjutan di Indonesia melalui instrumen zakat produktif, wakaf produktif, dan green sukuk. Metode yang digunakan adalah penelitian kepustakaan dengan menelaah literatur akademik, laporan lembaga resmi, serta dokumen kebijakan pemerintah yang berkaitan dengan keuangan syariah dan Sustainable Development Goals (SDGs). Hasil sintesis menunjukkan bahwa zakat produktif berperan dalam pemberdayaan ekonomi masyarakat miskin melalui penguatan usaha produktif dan peningkatan kemandirian ekonomi. Wakaf produktif berfungsi sebagai investasi sosial jangka panjang yang mendukung sektor pendidikan, kesehatan, dan pemberdayaan ekonomi masyarakat secara berkelanjutan. Sementara itu, green sukuk menjadi instrumen pembiayaan alternatif yang efektif untuk mendukung pembangunan infrastruktur ramah lingkungan. Namun, optimalisasi peran keuangan Islam masih menghadapi tantangan berupa rendahnya literasi keuangan syariah, keterbatasan regulasi teknis, serta lemahnya sinergi antarlembaga. Oleh karena itu, diperlukan penguatan kebijakan, peningkatan literasi, dan koordinasi kelembagaan guna meningkatkan kontribusi keuangan Islam terhadap pembangunan ekonomi berkelanjutan di Indonesia.
Kata kunci: Keuangan Islam; Pembangunan Ekonomi Berkelanjutan; Zakat Produktif; Wakaf Produktif; Green Sukuk
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