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All Journal PAPUA: International Journal of Sharia Business Management
Moh. Yazid Hafidz
Universitas Islam Negeri Sunan Ampel Surabaya, Indonesia

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Islamic Financial Inclusion and Socioeconomic Development: Evidence from Muslim Communities Moh. Yazid Hafidz
PAPUA: International Journal of Sharia Business Management Vol. 3 No. 2 (2026): (Desember) PAPUA: INTERNATIONAL JOURNAL OF SHARIA BUSINESS MANAGEMENT
Publisher : Study Program of Sharia Business Management , Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53491/papua.v3i2.2281

Abstract

Islamic financial inclusion has increasingly become an important instrument for promoting socioeconomic development among Muslim communities. Beyond providing access to financial services, it offers an ethical financial framework that emphasizes social justice, equitable resource distribution, and economic empowerment in accordance with Islamic principles. This study aims to analyze the role of Islamic financial inclusion in improving household welfare, strengthening productive economic activities, and supporting inclusive socioeconomic development. This research employs a qualitative descriptive-analytical approach based on academic literature, institutional reports, and relevant regulatory documents. The data are analyzed thematically by examining financial accessibility, Islamic financial literacy, institutional trust, productive financing, and the integration of Islamic commercial and social finance. The analysis indicates that Islamic financial inclusion can contribute to poverty reduction, household economic resilience, and microenterprise development by expanding access to Sharia-compliant financial services and productive financing opportunities. Furthermore, the integration of Islamic banking, microfinance, zakat, waqf, and other social finance instruments can strengthen economic participation among disadvantaged communities. However, these contributions depend on institutional governance, public financial literacy, digital accessibility, and effective coordination among relevant stakeholders. This study highlights that Islamic financial inclusion should be positioned not merely as an effort to expand financial access but as a comprehensive mechanism for promoting economic justice, social welfare, and sustainable socioeconomic development among Muslim communities.
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