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All Journal TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah
Fikriyah Muzarotul Khikmah
Sekolah Tinggi Agama Islam Majma'al Bahroin Mojokerto
Religion Economics, Econometrics & Finance

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The Role Of Innovation In Islamic Financial Institution Products In Strengthening The Economic Stability Of The People Muhammad Zainul Miftahul Arifin; Rahmat Hidayat; Ulil Hikam; Fikriyah Muzarotul Khikmah; Moh. Lukman Arif; Irnia Hima Malini
TIJAROTANA : Jurnal Ekonomi Dan Bisnis Syariah Vol 7 No 02 (2026): Tijarotana : Jurnal Ekonomi dan Bisnis Syariah
Publisher : TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah

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Abstract

This study aims to analyze the role of product innovation in Islamic financial institutions in strengthening the economic stability of society. The rapid development of Islamic financial institutions requires adaptive, inclusive, and sharia-compliant product innovation. This research uses a descriptive qualitative approach with a literature review method, examining various sources such as academic journals, books, and institutional reports. The findings indicate that innovation in Islamic financial products, including profit-sharing financing schemes, sharia-based digital services, and community-oriented financial products, significantly contributes to increasing financial inclusion, strengthening micro, small, and medium enterprises (MSMEs), and reducing economic disparities. Furthermore, these innovations play a crucial role in maintaining economic stability through a fairer and more sustainable financial system. However, several challenges remain, including low levels of Islamic financial literacy and limited infrastructure. Therefore, collaboration between financial institutions, the government, and the community is crucial to optimize the role of product innovation in supporting economic stability
Co-Authors Irnia Hima Malini Moh. Lukman Arif Muhammad Zainul Miftahul Arifin Rahmat Hidayat Ulil Hikam