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All Journal Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan DEAL: International Journal of Economics and Business
Marzuki Marzuki
Malikussaleh University
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Islamic Fintech and Financial Inclusion: Innovations for Sustainable Economic Empowerment Ismamudi Ismamudi; Gina B. Alcoriza; Marzuki Marzuki; Maesya’ Bani
DEAL: International Journal of Economics and Business Vol. 1 No. 01 (2023): October 2023
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/deal.v1i01.3303

Abstract

The rapid growth of financial technology (fintech) has had a significant impact on the global financial sector. In the context of Islamic economics, Shariah-compliant fintech can be an innovative tool to promote sustainable financial inclusion. This paper aims to analyze the role of Islamic fintech in improving access to financial services from an Islamic economic perspective. The research methods used include an in-depth literature analysis of the concept of financial inclusion in Islam, an exploration of various existing Islamic fintech services, as well as successful case studies that reflect the implementation of this concept in society. Through this approach, this paper explains how Islamic fintech can provide solutions to financial access challenges in underserved communities. The analysis shows that Islamic fintech can provide access to a wider range of financial services and empower individuals and micro businesses. Concrete examples of services such as Islamic digital payment services and Islamic peer-to-peer lending show a positive impact in supporting financial inclusion and economic growth in various communities. However, the challenges in the form of complex regulations and the public trust that needs to be built should not be overlooked. This paper also analyzes the opportunities and challenges faced by Islamic fintech in creating a sustainable financial inclusion ecosystem that is in line with Shariah principles. In conclusion, the paper underlines the great potential of Islamic fintech as an innovative tool to achieve better financial inclusion in the Islamic economy. Policy recommendations and further implications are also discussed to ensure the sustainable development of Islamic fintech and its wider positive impact.
Financial Investment Behavior of Individual Investor in Indonesia After the Revocation of the Covid-19 Policy Ghazali Syamni; Thasrif Murhadi; Marzuki Marzuki; Zamzami Zainuddin; Sari Yulis Terfiadi
MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Vol. 17 No. 2 (2023)
Publisher : Faculty of Economics and Business Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MATRIK:JMBK.2023.v17.i02.p06

Abstract

This study investigates the impact of psychological, social, and demographic aspects on Indonesian individual stock investors' decisions. With the help of Indonesian Stock Exchange Representative Offices in all provinces where there are representatives, this research is based on survey data and involves sending questionnaire links via WhatsApp, telegrams, and emails to participants. Following President Joko Widodo's announcement that social restrictions imposed during the previous pandemic had been lifted, the spread began after an initial one-week period in the first week of 2023. Thus, 108 questionnaire responses were collected for the survey. The findings demonstrated that individual stock investors' behavior was unaffected by gender, age, or marital status. Work, education, and experience have a positive and considerable influence on individual investors' investment behavior; however, the removal of social restraints has a negative impact on this behavior. According to the study's findings, education degree is the main variable that significantly affects stock investors' behavior.
Co-Authors Ghazali Syamni Gina B. Alcoriza Ismamudi Ismamudi Maesya’ Bani Sari Yulis Terfiadi Thasrif Murhadi Zamzami Zainuddin