Sharia Digital Startup Transformation Driving Financial Inclusion Regional Economic Resilience


Authors

(1) * Himami Firdausi   (Universitas Nurul Jadid, Indonesia)  
        Indonesia
(2)  Moh. Syaiful Su'eb   (Universitas Nurul Jadid, Indonesia)  
        Indonesia
(*) Corresponding Author

Abstract


The rapid growth of digital technology has encouraged the emergence of sharia digital startups as innovative mechanisms for expanding financial inclusion and strengthening regional economic resilience through ethical and sustainable business ecosystems. This study aims to analyze how sharia digital startup transformation contributes to inclusive financial access, entrepreneurial empowerment, and regional economic resilience. Employing a qualitative case study approach, data were collected through semi-structured interviews, observations, and document analysis involving 15 informants, including startup founders, MSME actors, Islamic financial practitioners, government representatives, and academics. The findings reveal three main themes: sharia startups improve financing accessibility through transparent digital services, digital entrepreneurship strengthens business adaptability and market expansion, and collaborative ecosystems accelerate sustainable startup growth. This study contributes an integrated framework linking sharia digital entrepreneurship, financial inclusion, and regional resilience. The findings recommend strengthening multi-stakeholder collaboration and Islamic digital financial ecosystems to promote inclusive economic transformation.



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Islamic Finance and Economic Insights Published by Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M) of Nurul Jadid University, Paiton, Probolinggo, East Java, Indonesia.

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