Maqāṣid al-Sharī‘ah and the SDGs in BSI Digitalization: A Conceptual Review of Gold Investment Based on Islamic Values

Abstract

This study aims to examine the relationship between Maqāṣid al-Syarī‘ah and Sustainable Development Goals (SDGs) in the context of the digitalization of Islamic financial institutions in Indonesia, particularly in gold investment practices based on Islamic values. Amidst the acceleration of digital transformation, Islamic financial institutions are required to integrate Islamic principles with financial technology innovations to expand financial inclusion and improve community welfare. This research approach is qualitative, with literature study methods and conceptual analysis based on various relevant academic sources. The results of the study indicate that the digitalization of Islamic pawn institutions has the potential to support the achievement of the objectives of Maqāṣid al-Syarī‘ah, such as the protection of property (ḥifẓ al-māl) and the maintenance of religion (ḥifẓ al-dīn). Furthermore, digitalization also contributes to the achievement of the SDGs, particularly in poverty alleviation, improving economic welfare, and encouraging innovation in the sustainable financial sector. Furthermore, Islamic-based gold investment practices through digital platforms can be an effective instrument for realizing economic justice, transparency, and social sustainability. Therefore, integrating the values of Maqāṣid al-Syarī‘ah and SDGs in the digitalization process of Islamic pawn institutions is a strategic step to strengthen a competitive, ethical, and adaptive Islamic financial system to technological developments in the digital era