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p-Index From 2020 - 2025
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All Journal Journal of Finance, Economics, and Business
ZAKARIYA, ACHMAD
Unknown Affiliation
Economics, Econometrics & Finance Social Sciences

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Analysis of Economic Improvement through Sharia Economic Resource Development Towards Sustainable Prosperity in Indonesia Adibah, Alda Naila; Zakariya, Achmad
Journal of Finance, Economics and Business Vol. 3 No. 1 (2024): JFEB, May 2024
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v3i1.120

Abstract

This article discusses an analysis of economic improvement through the development of sharia economic resources to achieve sustainable prosperity in Indonesia. With the background of sharia economics as a system that emphasizes common interests and fair distribution of wealth, the article outlines the role of fatwas as a form of regulation in the development of sharia economics in Indonesia. Even though Indonesia has a majority Muslim population, the growth of the sharia banking industry is faced with challenges of sharia banking literacy and inclusion. Using the library research research method, the article presents the results of an analysis of sharia economic resource development by highlighting the existence of sharia banks and the role of financial institutions in improving community welfare. The development of sharia economic resources also includes the growth of the sharia economic sector in the era of globalization, with a focus on sharia financial institutions such as banks, insurance, pawnshops, capital markets, mutual funds, and Baitul Mal wat Tamwil (BMT). Next, the article discusses the challenges and opportunities faced in sharia economic development, especially related to sharia banking literacy and inclusion. In the context of the digital era, the adaptation of Islamic banks to changes and the use of technology is crucial to seize opportunities for product development and quality human resources. The article highlights the importance of data security, cost efficiency, and the role of technology in facing challenges amidst the ever-growing dynamics of sharia banking
The Application of Digital Payments (QRIS & E-Wallet) on the Efficiency of MSME Transactions Zakariya, Achmad; Arifin, Ah. Ali
Journal of Finance, Economics and Business Vol. 4 No. 2 (2025): Journal of Finance, Economics, and Business (JFEB), 2025
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v4i2.326

Abstract

Micro, Small, and Medium-Sized Enterprises (MSMEs) in Indonesia are becoming more competitive and efficient because to the digital transformation of payment systems. Through a literature review of numerous national and international studies carried out between 2020 and 2025, this study seeks to analyze the effects of the implementation of the Indonesian Standard Quick Response Code (QRIS) and e-wallets on transaction efficiency, financial recording, customer loyalty, and MSME access to financing. The study's findings demonstrate that the use of digital payments can decrease cash error rates through automated recording, expedite transaction times, and save operating expenses. Additionally, the digital footprint of transactions boosts MSMEs' financial reputation, increasing their chances of obtaining official financing. E-wallets are strategically important in marketing since they may be used for data-driven consumer loyalty programs, service customisation, and promotion. Nevertheless, network infrastructure, digital literacy, and microbusiness costs continue to be barriers to this technology's adoption. Additionally, the investigation revealed differences in adoption according to industry, company size, and geographic area, necessitating inclusive and flexible policies. In order to improve digital literacy, build payment infrastructure, and create evidence-based policies to increase MSME involvement in the country's digital economy ecosystem, this study suggests collaboration between the government, financial institutions, and fintech companies.
Co-Authors Adibah, Alda Naila Arifin, Ah. Ali