This study aims to analyze the implementation of Islamic banking in Malaysia and Indonesia. This research uses exploratory study method, descriptive analysis in analyzing secondary data related to these problems. The results show that the difference in product diversity and Islamic bank contracts in the two countries is due to several factors such as the economic system adopted by a country, the school of thought or school of thought used by the majority of people in each country, the position of Islamic banks in the law and the approach to law. selected product development.

Teknologi keuangan saat ini sangat berkembang pesat, sehingga memacu berkembangnya inovasi pada sistem keuangan termasuk pada keuangan Islam. Salah satu sistem teknologi keuangan yang muncul ppada saat ini adalah crowdfunding yang dikenal dengan fokus pada hal yang konkret, sistem bagikan hasil yang merata, dan berbagi risiko. Hal-hal tersebut merupakan beberapa nilai dari keuangan Islam, sehingga perlu dilakukan kajian terhadap sistem crowdfunding terhadap kesesuaiannya dengan sistem syariah. Metode yang dilakukan dalam melakukan kajian pada artikel ini adalah menggunakan metode library reseach dengan mengumpulkan literature yang berasal dari jurnal ilmiah, buku-buku, dan sumber lain yang berkaitan dengan pembahasan. Hasil dari kajian yang didapat adalah sistem crowdfunding yang menggabungkan prinsip-prinsip keuangan Islam dengan karakteristiknya dalam penghimpunan dana, perpaduan kemajuan teknologi, dan fintech dapat mewakili kesempatan untuk berkontribusi secara signifikan pada peningkatan ekosistem kewirausahaan di dunia Islam dan promosi pembangunan sosial dan ekonomi.

This study aims to analyze the urgency of Islamic maqashid in economic development. This research uses exploratory study method, descriptive analysis in analyzing secondary data related to these problems. The results show that maqashid on the Theory of Economic Behavior can be seen in: Economic Problems, Wants versus Needs, and Mashlahah versus Utility.

Cryptocurrencies have been gaining attention in the financial world in recent years, with the model reportedly being able to digitally transfer, store and record information, and has the potential to transform traditional financial services. Financial digitization is very much needed in today's conditions, where all life uses digital systems to support life. Financial modification is certainly needed in realizing sustainable finance, especially in the field of Islamic finance globally. In this study to explore the potential of cryptocurrencies in the inclusion of sustainable Islamic finance. This research was conducted using a library research model, with data collection in the form of books, journals, websites and other objects that are considered relevant and then carried out an in-depth study through descriptive qualitative analysis methods. The results of the study indicate that cryptocurrency is a financial digitization that has the potential to support and ensure that the Islamic financial transaction process can be accessed by millions of consumers so that the goal of financial inclusion can be achieved and supports the development of the financial industry that has transaction efficiency values so that it can realize sustainable Islamic finance.