INOVASI FINTECH SYARIAH: ANALISIS DAMPAK PENERAPAN PLATFORM DIGITAL DALAM PEMBIAYAAN MIKRO UNTUK PEMBERDAYAAN EKONOMI UMKM
Keywords:
Islamic Fintech, , Microfinance, , , Digital Platforms,Abstract
This study examines the impact of implementing Islamic fintech digital platforms in microfinance on the economic empowerment of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Using a qualitative descriptive library research method, this study analyzes various literature sources, including scientific journal articles, industry reports, government publications, and statistical data from official institutions. The results show that the implementation of Islamic fintech digital platforms significantly improves access to finance for MSMEs, accelerates the loan approval process, and reduces operational costs. Additionally, it is found that Islamic fintech contributes to increasing financial literacy, financial inclusion, and MSME business growth. However, challenges such as uneven digital infrastructure, data security, and Sharia compliance still need to be addressed. This study provides policy recommendations for optimizing the role of Islamic fintech in the economic empowerment of MSMEs in the digital era.
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