DISRUPTIFFIVE AND INCLUSIVE: INNOVATIVE MODELS OF SHARIA FINANCING FOR UMKM IN THE DIGITAL ECONOMIC LANDSCAPE

Authors

  • Hamdan Basyir Penara State Islamic University of North Sumatra
  • Muhammad Khairil Azmi State Islamic University of North Sumatra
  • Ulpah Hasanah State Islamic University of North Sumatra

DOI:

https://doi.org/10.63736/jc.v2i2.585

Keywords:

Sharia Financing, MSMEs, Digital Economy 2025, Sharia FinTech, Blockchain,Crowdfunding, P2P Lending.

Abstract

Era ekonomi digital 2025 mentransformasi sistem pembiayaan UMKM syariah melalui integrasi disruptif teknologi. Penelitian kualitatif ini menganalisis inovasi pembiayaan syariah berbasis FinTech, blockchain, dan big data yang mengatasi tantangan klasik UMKM: akses terbatas, kurangnya agunan, dan prosedur rumit. Metode studi pustaka mendalam terhadap 45 sumber primer (2023–2025) mengungkap empat model dominan: crowdfunding syariah berbasis platform, pinjaman P2P syariah, keuangan mikro berbasis seluler, dan pembiayaan rantai pasokan digital. Hasil studi menunjukkan peningkatan akses pembiayaan bagi UMKM pedesaan sebesar 40% dan percepatan penyaluran dana sebesar 35% berkat analisis big data. Tantangan utama tersebut meliputi keamanan siber, kesenjangan literasi digital-syariah, dan regulasi yang belum adaptif. Rekomendasi strategis meliputi regulatory sandbox OJK, pelatihan DPS digital, dan integrasi NIB dengan platform FinTech. Kolaborasi ekosistem (regulator, perbankan syariah, FinTech, UMKM) menjadi kunci tercapainya pertumbuhan inklusif berbasis maqasid syariah.

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Published

2025-06-13

How to Cite

Hamdan Basyir Penara, Muhammad Khairil Azmi, & Ulpah Hasanah. (2025). DISRUPTIFFIVE AND INCLUSIVE: INNOVATIVE MODELS OF SHARIA FINANCING FOR UMKM IN THE DIGITAL ECONOMIC LANDSCAPE. Journal of Accounting, 2(2), 153–161. https://doi.org/10.63736/jc.v2i2.585

Issue

Vol. 2 No. 2 (2025)

Section

Articles

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