ISLAMIC FINTECH INNOVATION STRATEGIES IN ENCOURAGING THE ACHIEVEMENT OF SDGS IN THE MSMEs SECTOR

DOI: https://doi.org/10.33650/profit.v9i2.12016

Authors (s)


(1) * Murtiani Murtiani   (Universitas Islam Negeri Mataram)  
        Indonesia
(*) Corresponding Author

Abstract


This study aims to make observations about the development of sharia fintech in Indonesia, sharia fintech innovation strategies in encouraging the achievement of SDGs in the MSME sector, this research is using the library study method with a literature review approach, where the findings data obtained from several sources are relevant to the research theme. Fintech is one of the financial sector innovations that gets a touch of modern technological developments. Bank Indonesia divides 4 types of fintech as a form of innovation from Sharia Fintech for MSMEs, namely: Crowdfunding, Peer-to-peer lending, Market aggregator, Risk and Investment Management, and Mobile payment/online banking. Strategies for increasing access to MSME financing through sharia fintech are carried out through Strengthening ecosystems and synergies between stakeholders, Increasing Sharia Financial Literacy and Education, Product Innovation and Service Differentials, Infrastructure Development, regulation and certification, and data security and protection. Sharia contributes to the SDGs by providing financial access to those who are not served by traditional financial institutions. Through inclusive products and services, such as Sharia microloans Overall, the application of fintech in MSMEs still faces various challenges, such as limited infrastructure, lack of technological skills and literacy among business actors, and the absence of clear regulations. To overcome this, the government's role in providing comprehensive regulations and educational support from fintech players is crucial. 

Keywords

Islamic Fintech, Sustainable Development Goals (SDGs), Micro, Small and Medium Enterprises (MSMEs)



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Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah
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