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All Journal Jurnal Ekonomi Syariah dan Bisnis Kasta: Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
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Universitas Islam Negeri Siber Syekh Nurjati Cirebon
Economics, Econometrics & Finance Education Social Sciences

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Islamic Fintech Opportunities and Challenges in Advancing Financial Inclusion Among Muslim Communities in Indonesia Ayu Gumilang lestari; Layaman; Dendy Novandi
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.18980

Abstract

Indonesia, as the country with the largest Muslim population in the world, holds significant potential for the development of financial technology (fintech) based on sharia principles. However, despite the size of this population, the level of Islamic financial inclusion remains far from optimal. This article critically examines the opportunities and challenges faced by Islamic fintech in enhancing financial inclusion among Muslim communities in Indonesia. Employing a critical analytical approach grounded in scholarly literature, this study identifies key factors influencing the adoption of Islamic fintech, including financial literacy, public trust, regulatory compliance, and the depth of sharia substance embedded in digital financial products. The findings indicate that Islamic fintech has the potential to serve as a transformative instrument for expanding financial access, but this potential can only be realized if it is supported by adequate education, substantive sharia supervision, data security, and a collaborative ecosystem involving Islamic banks, pesantren, micro, small, and medium enterprises (MSMEs), and Islamic social institutions.
Integrative Model of Human Resource Management Based on Maqasid al-Syari'ah and Its Impact on Organizational Performance in Sharia Financial Institutions in Region III Cirebon Aris Budiman; Abdul Aziz; Anton Bawono; Wartoyo; Layaman
KASTA : Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Vol. 6 No. 1 (2026): April
Publisher : Lembaga Bale Literasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58218/kasta.v6i1.2716

Abstract

In this paper, I explore an integrative model of Human Resource Management (HR) based on the principles of Maqasid al-Syari'ah and its impact on organizational performance in Sharia Financial Institutions in Indonesia. I begin by emphasizing the relevance of Maqasid al-Syari'ah, which aims to preserve religion, life, intellect, heredity, and wealth, in order to improve the practice of human resources. My research addresses gaps in the existing literature regarding the integration of these principles into HR frameworks. Using a mixed-methods approach, I analyzed data collected from various Sharia Financial Institutions in Region III Cirebon, evaluating how Maqasid al-Shari'ah-based HR strategies, such as ethical hiring and employee development, contribute to improving organizational performance metrics. The findings demonstrate the benefits and challenges of implementing this model, offering valuable insights into improving employee satisfaction and organizational productivity while adhering to Islamic values. In addition, I provide recommendations for future research and practical applications to further refine this integrative model.
Rekonstruksi Kelembagaan Ekonomi Dan Keuangan Syariah Dalam Menghadapi Isu Kontemporer Dan Tantangan Global Erin Rismaya; Layaman; Aan Jaelani
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 1 (2026): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecopreneur.v7i1.4134

Abstract

The institutional reconstruction of Islamic economics and finance represents an urgent necessity amid continuously evolving global dynamics. This article aims to comprehensively analyze the institutional conditions of Islamic economics and finance, identify structural gaps impeding its growth, and formulate an institutional reconstruction model grounded in maqasid al-shariah that is relevant to contemporary challenges. This research employs a qualitative approach through systematic literature review and normative-philosophical analysis based on maqasid al-shariah. Data were gathered through a systematic review of internationally reputable journals, reports from international financial institutions, and current regulations within the global Islamic finance ecosystem. The findings reveal that Islamic financial institutions face five primary challenges: (1) regulatory fragmentation across jurisdictions, (2) gaps in Islamic financial literacy and inclusion, (3) weak technological infrastructure and digital finance adoption, (4) governance and Shariah accountability crises, and (5) insufficient integration of Islamic financial instruments into the global financial architecture. As a novelty contribution, this study proposes the Integrative Islamic Institutional Reconstruction Model (IIIRM), grounded in five pillars: regulatory harmonization, literacy strengthening, digital transformation, governance reform, and global integration. This model offers a holistic framework bridging normative Shariah perspectives with the realities of the contemporary global financial system.
Co-Authors Aan Jaelani Abdul Aziz Anton Bawono Aris Budiman Ayu Gumilang Lestari Dendy Novandi Erin Rismaya Wartoyo Wartoyo