Penggunaan Financial Technology (Fintech) Syariah dalam Pembagian Harta Waris Bagi Keluarga Muslim

Abstract

The rapid development of digital technology has encouraged the emergence of financial technology (fintech), which not only functions in modern financial transactions but is also beginning to be applied in family asset management, including inheritance distribution. In the context of Muslim families, inheritance distribution is clearly regulated in Islamic law as well as in Indonesian positive law. However, its practice often encounters challenges such as limited understanding of heirs regarding faraidh, conflicting interests among family members, and a lack of transparency in asset management. This study aims to analyze the role of fintech as a supporting instrument in inheritance distribution for Muslim families, particularly in terms of efficiency, accuracy, and transparency. The research applies a normative-empirical approach by examining Islamic inheritance law, fintech regulations in Indonesia, and case studies on the use of digital applications in inheritance management. The findings indicate that fintech can provide an innovative solution in asset inventory, calculation of shares based on faraidh, and equitable distribution of assets with reliable records. Nevertheless, the implementation of fintech in inheritance distribution still faces challenges, especially concerning legal validity, personal data protection, and the readiness of Muslim communities to embrace digitalization in such a sensitive matter. Therefore, synergy between financial authorities, Islamic institutions, and legal regulators is required to ensure that fintech can be integrated legally and effectively in the inheritance distribution of Muslim families.