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All Journal Journal of Indonesian Sharia Economics
Nia Nurhayati
Universitas Nahdlatul Ulama Pasuruan
Economics, Econometrics & Finance

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Pengembangan Dokma Smart Mobile sebagai Platform Keuangan Syariah Berbasis Teknologi Mobile untuk Mendukung Ekonomi Syariah di Indonesia Nia Nurhayati; Arikatul Ajiba; Vita Rizqiyah
JIOSE: Journal of Indonesian Sharia Economics Vol 5 No 2 (2026): September 2026
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v5i2.2362

Abstract

Indonesia’s Islamic financial inclusion index reached only 13.41% according to the 2025 SNLIK, substantially lower than conventional financial inclusion at 79.71%, despite Indonesia ranking third in the Global Islamic Economy Indicator 2023/2024 and having total Islamic financial assets of IDR 9,927 trillion. This gap highlights the need for an integrated digital platform specifically designed to support members of non-bank Islamic financial institutions. This study aims to analyze the urgency of digital Islamic financial inclusion and formulate the DOKMA Smart Mobile concept. The study employs a descriptive qualitative method through a systematic literature review of scientific articles and official reports from the OJK, Bank Indonesia, and KNEKS for the 2022–2026 period, using SMART Goals, SWOT, and Pentahelix frameworks. The findings formulate DOKMA Smart Mobile through three main modules: real-time multi-channel Islamic transfers, a comprehensive financial information dashboard, and Islamic ecosystem navigation supported by big data analytics. This integration has the conceptual potential to expand access, improve service convenience, and strengthen users’ connectivity with the Islamic financial ecosystem. DOKMA Smart Mobile offers a digital transformation model aligned with the direction of the 2023–2027 Roadmap for the Development and Strengthening of the Islamic Banking Industry in Indonesia.
Co-Authors Arikatul Ajiba Vita Rizqiyah