Digital Transformation Of Islamic Umkm: Fintech's Role In Developing Islamic Finance-Based Umkm Clothing Products
Abstract
Penelitian ini bertujuan untuk menganalisis penggunaan fintech dalam pengembangan usaha mikro, kecil, dan menengah (UMKM) produk baju dalam perspektif keuangan Islam. Dalam era digital yang semakin maju, fintech memiliki potensi besar untuk memberikan solusi bagi UMKM dalam mengatasi tantangan akses pembiayaan, memperluas jangkauan pasar, dan meningkatkan efisiensi operasional. Namun, penting untuk menyelaraskan penggunaan fintech dengan prinsip-prinsip keuangan Islam yang melarang riba (bunga), spekulasi, dan praktik yang tidak etis. Dalam penelitian ini, akan dilakukan analisis tentang bagaimana fintech dapat memberikan kontribusi dalam meningkatkan akses pembiayaan bagi UMKM produk baju, memperluas jangkauan pasar melalui platform e-commerce, dan meningkatkan efisiensi operasional melalui otomatisasi proses bisnis. Selain itu, juga akan dikaji tentang bagaimana penggunaan fintech dapat mematuhi prinsip-prinsip keuangan Islam seperti menghindari riba dan spekulasi. Metode penelitian yang akan digunakan adalah studi pustaka dengan mengumpulkan data dari berbagai sumber referensi terkait fintech, keuangan Islam, dan pengembangan UMKM. Analisis kualitatif akan dilakukan untuk membahas implikasi hasil penelitian dan memberikan rekomendasi yang relevan. Hasil dari penelitian ini diharapkan dapat memberikan pemahaman lebih mendalam tentang penggunaan fintech dalam pengembangan UMKM dalam perspektif keuangan Islam. Rekomendasi yang diberikan akan berguna bagi UMKM untuk memanfaatkan fintech secara efektif dan sesuai dengan prinsip-prinsip keuangan Islam guna mencapai pertumbuhan yang berkelanjutan.
References
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Ansori, M. (2019). PERKEMBANGAN DAN DAMPAK FINANCIAL TECHNOLOGY (FINTECH) TERHADAP INDUSTRI KEUANGAN SYARIAH DI JAWA TENGAH. https://api.semanticscholar.org/CorpusID:201439775
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Baber, H. (2020). Crowdfunding Framework in Islamic Finance. https://api.semanticscholar.org/CorpusID:213846844
Candraningrat, I. R., Darmayanti, N. P. D., Damayanthi, I. G. A. E., & Nurcaya, I. N. (2023). Fostering MSMEs to Increase Fintech-Based Financial Literacy. Devotion Journal of Community Service. https://api.semanticscholar.org/CorpusID:259435941
Darma, D. C., Lestari, D., & Muliadi, M. (2020). FinTech and Micro, Small and Medium Enterprises Development. Entrepreneurship Review. https://api.semanticscholar.org/CorpusID:225870261
Dewi, I. S., & Adinugraha, H. H. (2023). THE ROLE OF SHARIA FINTECH IN IMPROVING HALAL FINANCIAL INCLUSION IN MSMES IN INDONESIA. LIKUID: Jurnal Ekonomi Industri Halal. https://api.semanticscholar.org/CorpusID:257073997
Giglio, F. (2021). Fintech: A Literature Review. EUROPEAN RESEARCH STUDIES JOURNAL. https://api.semanticscholar.org/CorpusID:237814731
Hussain, M., Nadeem, M. W., Iqbal, S., Mehrban, S., Fatima, S. N., Hakeem, O., & Mustafa, G. (2019). Security and Privacy in FinTech. Research Anthology on Concepts, Applications, and Challenges of FinTech. https://api.semanticscholar.org/CorpusID:169650165
Jaya, R. C., & Kosadi, F. (2022). OPTIMIZATION OF ONLINE SELLING THROUGH WEBSITE-BASED E-COMMERCE APPLICATIONS AND MOBILE APPLICATIONS FOR MSMES. Inaba of Community Services Journal ( Inacos-J). https://api.semanticscholar.org/CorpusID:252889559
Khammasi, I. (2018). Do Islamic Banking Standards Convey More Financial Transparency than Conventional Banking Ones. Turkish Journal of Islamic Economics, 5, 109–132. https://api.semanticscholar.org/CorpusID:158530288
Khasanah, U., Meldona, M., & Djakfar, M. (2020). STUDI DAMPAK PEMBERDAYAAN SISTEM KEUANGAN SYARIAH AL-IJARAH BAGI PELAKU UMKM. https://api.semanticscholar.org/CorpusID:228935702
Kusuma, P. O. (2020). Mobile payment transaction on MSMEs. International Research Journal of Management, IT and Social Sciences. https://api.semanticscholar.org/CorpusID:226414085
Nasution, L. K., Murni, M., & Dewi, I. S. (2020). Peningkatan Produktivitas dan Penjualan pada UMKM Pakaian Muslimah Ummu Syuraih di Kecamatan Medan Marelan. https://api.semanticscholar.org/CorpusID:230534647
Nieves, E. H., Öztürk, M., Sittón, I., & Rodríguez, S. (2019). Data Protection on Fintech Platforms. Practical Applications of Agents and Multi-Agent Systems. https://api.semanticscholar.org/CorpusID:195656510
Rabbani, M. R., Bashar, A., Nawaz, N., Karim, S., Ali, M. A. M., Rahiman, H. U., & Alam, M. S. (2021). Exploring the Role of Islamic Fintech in Combating the Aftershocks of COVID-19: The Open Social Innovation of the Islamic Financial System. Journal of Open Innovation: Technology, Market, and Complexity, 7, 136. https://api.semanticscholar.org/CorpusID:236585817
Rahman, A., & Ervina. (2021). A Model for Enhancing the Competitiveness of MSMEs Through E-Commerce. Proceedings of the 2nd International Conference on Administration Science 2020 (ICAS 2020). https://api.semanticscholar.org/CorpusID:237750558
Rojas-Torres, D., & Kshetri, N. (2019). Big Data Solutions for Micro-, Small-, and Medium-Sized Enterprises in Developing Countries. IT Professional, 21, 67–70. https://api.semanticscholar.org/CorpusID:202561201
Rokhlinasari, S., & Widagdo, R. (2019). Improving the Welfare of SMEs through Islamic Bank Financing. https://api.semanticscholar.org/CorpusID:213928699
Rosavina, M., & Rahadi, R. A. (2018). PEER-TO-PEER (P2P) LENDING PLATFORM ADOPTION FOR SMALL MEDIUM ENTERPRISES (SMEs): A PRELIMINARY STUDY. https://api.semanticscholar.org/CorpusID:244919379
Sa’ad, A. A., Ahmad, K., & Saleh, A. O. H. (2019). P2P ISLAMIC FINTECH INVESTMENT INNOVATION. A PROPOSAL OF MUSHĀRAKAH SMART CONTRACT MODEL FOR SMES FINANCING AND SOCIAL DEVELOPMENT. Journal of the International Institute of Islamic Thought and Civilization. https://api.semanticscholar.org/CorpusID:211798774
Suakanto, S., Fauzi, R., Andreswari, R., Hardiyanti, M., & Nurtrisha, W. A. (2022). Development of e-commerce applications and integration into the marketplace to support MSME product sales. Abdimas: Jurnal Pengabdian Masyarakat Universitas Merdeka Malang. https://api.semanticscholar.org/CorpusID:251505602
Suhartono, Suwandi, M., Bayan, A., & Taufiq, A. (2020). Financial Technology Optimization in the Development of MSMEs with Spotlight Phenomenology. https://api.semanticscholar.org/CorpusID:213519990
Suryanto, Rusdin, & Dai, R. M. (2020). Fintech as a Catalyst for Growth of Micro, Small and Medium Enterprises in Indonesia. Academy of Strategic Management Journal, 19. https://api.semanticscholar.org/CorpusID:229248370
Suseno, I., Yohanna, L., & Sondari, E. (2021). Islamic financial literacy and management for MSMEs. Proceeding of the International Conference on Family Business and Entrepreneurship. https://api.semanticscholar.org/CorpusID:247049649
Syarifuddin, S., Muin, R., & Akramunnas, A. (2021). The Potential of Sharia Fintech in Increasing Micro Small and Medium Enterprises (MSMEs) in The Digital Era in Indonesia. JURNAL HUKUM EKONOMI SYARIAH. https://api.semanticscholar.org/CorpusID:235556756
Tambunan, T. T. H. (2018). MSMEs and Access to Financing in a Developing Economy: The Indonesian Experience. https://api.semanticscholar.org/CorpusID:160023302
Triwahyono, B., Rahayu, T. S., & Kraugusteeliana, K. (2023). Analysing the Role of Technological Innovation in Improving the Operational Efficiency of MSMEs. Jurnal Minfo Polgan. https://api.semanticscholar.org/CorpusID:261115579
Wati, L. N., Isprihayadi, H., Nisa’, K., Lutfi, M., & Suprapta, I. (2020). Financial Technology and Financial Inclusion on MSME:Mixed-Method Research Approach. Moneter - Jurnal Akuntansi Dan Keuangan. https://api.semanticscholar.org/CorpusID:230570238
Widiyati, S., Wijayanto, E., & Prihartiningsih, P. (2018). Financial Literacy Model at Micro Small Medium Entreprise (MSMEs). MIMBAR : Jurnal Sosial Dan Pembangunan. https://api.semanticscholar.org/CorpusID:169852782
Yousufi, W., & Ghazi, D. S. (2021). Prohibition of interest and gambling in the Islamic economic system. Al Khadim Research Journal of Islamic Culture and Civilization. https://api.semanticscholar.org/CorpusID:252583211
Authors
Abadi, R. (2026). Digital Transformation Of Islamic Umkm: Fintech’s Role In Developing Islamic Finance-Based Umkm Clothing Products. Iqtishodiyah : Jurnal Ekonomi Dan Bisnis Islam, 12(1), 83–91. https://doi.org/10.55210/iqtishodiyah.v12i1.2319
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