THE ROLE OF ISLAMIC MICROFINANCE IN SUPPORTING FAMILY ECONOMIC RESILIENCE IN THE DIGITAL ERA

Authors

  • Dwi Ananda Putri North Sumatra State Islamic University
  • Suhaila Irfi State Islamic University of North Sumatra Department: Islamic Economics, Faculty of Islamic Economics & Business Jl. Golf Course, Durian Jangak, Pancur Batu District, Deli Serdang Regency, North Sumatra.
  • Umar Jamil State Islamic University of North Sumatra Department: Islamic Economics, Faculty of Islamic Economics & Business Jl. Golf Course, Durian Jangak, Pancur Batu District, Deli Serdang Regency, North Sumatra.

DOI:

https://doi.org/10.63736/jc.v2i2.599

Keywords:

Islamic microfinance, family economic resilience, digital era, empowerment, financial technology.

Abstract

Digital transformation has penetrated various aspects of life, including the financial sector. Sharia microfinance as one of the instruments of economic empowerment of the people has great potential in increasing family economic resilience, especially in facing economic challenges in the digital era. This study aims to analyze the strategic role of sharia microfinance institutions (LKMS) in supporting household economic stability, through an approach to sharia values ​​that uphold justice, mutual assistance, and sustainability. The method used is a qualitative study with a literature study approach. The results of the study show that sharia microfinance, through products such as murabahah, mudharabah, and qardhul hasan financing, has helped low-income families to increase productivity, build micro-businesses, and survive the pressures of the modern economy. The adjustment of digital technology in LKMS operations also increases accessibility and efficiency of services. Therefore, collaboration between technology and sharia values ​​is the key to building resilient and sustainable family economic resilience.

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Published

2025-06-01

How to Cite

Putri, D. A., Irfi, S., & Jamil, U. (2025). THE ROLE OF ISLAMIC MICROFINANCE IN SUPPORTING FAMILY ECONOMIC RESILIENCE IN THE DIGITAL ERA. Journal of Accounting, 2(2), 142–152. https://doi.org/10.63736/jc.v2i2.599

Issue

Vol. 2 No. 2 (2025)

Section

Articles

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