<![CDATA[Shariah financial literacy—the capacity to understand, access, and effectively utilize Islamic financial instruments and institutions—remains critically underdeveloped among community members served by Baitul Maal wa Tamwil (BMT) cooperatives in Indonesia, limiting the impact of Islamic microfinance on household welfare and MSME growth. This study presents a Systematic Literature Review (SLR) of 20 Scopus-indexed articles to examine how digitalization strategies can strengthen Shariah financial literacy in community settings, with reference to the collaborative program between HALVORA and BMT Al Ikhwan in Sleman Regency, Yogyakarta. Guided by the PRISMA methodology and analyzed through VOSviewer bibliometric mapping, the study identifies five thematic clusters: fintech adoption and Islamic microfinance; blockchain-based Shariah compliance infrastructure; digital platform integration for Islamic financial services; community empowerment through cooperative digitalization; and regulatory harmonization between DSN-MUI, OJK, and BPJPH. The density visualization confirms that fintech and financial services constitute the most intensively studied research nodes, while the overlay visualization reveals that blockchain, Sharia-compliant digital contracts, and data marketplace applications are the most recent emerging research fronts (2024–2025). Field survey data from BMT Al Ikhwan members show that while awareness of Islamic financial products is high (above 70%), the intensity of transactional engagement with digital BMT services remains low (below 30%), underscoring the critical role of targeted Shariah financial literacy programs supported by digital delivery channels such as the HALVORA platform.]]>
