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All Journal Iltizam : Jurnal Ekonomi dan Keuangan Islam
Fathimatus Zahro Fazda Oktavia
Accounting Department, Politeknik Negeri Malang, Indonesia
Religion Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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ANALYSIS OF MSME READINESS IN ADOPTING SHARIA FINANCIAL TECHNOLOGY: A Study In Malang City Dharmawan Iqbal Akbar; Yasin Nur Rohim; Fathimatus Zahro Fazda Oktavia; Rosy Aprieza Puspita Zandra
Iltizam : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 1 (2026): Iltizam : Jurnal Ekonomi dan Keuangan Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/iltizam.v4i1.9707

Abstract

This study examines the readiness of Micro, Small, and Medium Enterprises (MSMEs) in Malang City to adopt Sharia-based financial technology (Sharia fintech). The research method used is a qualitative descriptive approach through direct observation, semi-structured interviews, and documentation to explore factors influencing MSME readiness. The results show that despite supporting digital infrastructure, low Sharia financial literacy and limited human resources are major obstacles. Support from the government and Sharia financial institutions, as well as intensive training, are needed for MSMEs to optimally utilize Sharia fintech, increasing their competitiveness and business sustainability in the digital era. With increased Sharia financial literacy and strengthened digital infrastructure, it is hoped that MSMEs in Malang City can adapt more quickly and optimize the potential of Sharia fintech. This study also emphasizes the need for strong synergy between the government, Sharia financial institutions, and MSMEs to create a business ecosystem that supports Sharia-based financial sustainability and inclusion
Co-Authors Dharmawan Iqbal Akbar Rosy Aprieza Puspita Zandra Yasin Nur Rohim