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All Journal Syntax Literate: Jurnal Ilmiah Indonesia EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) GUYUB: Journal of Community Engagement Jurnal Sosial dan Teknologi Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah ALMUJTAMAE: Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Bisnis dan Manajemen Journal of Comprehensive Science Journal of Indonesian Sharia Economics SENTRI: Jurnal Riset Ilmiah Jurnal Pengabdian Masyarakat Bhinneka Profit: Jurnal Manajemen, Bisnis dan Akuntansi Jurnal Ekonomi dan Akuntansi Innovative: Journal Of Social Science Research Money: Journal of Financial and Islamic Banking Advances In Social Humanities Research AsbaK Jurnal Ekonomi dan Bisnis Jurnal Budaya, Pariwisata, dan Ekonomi Kreatif Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Ecobankers : Journal of Economy and Banking J-CEKI Ash-Shidqu: Jurnal Ekonomi Syariah
Vidiati, Cory
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Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mechanical Engineering Public Health Social Sciences Other

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Journal : SENTRI: Jurnal Riset Ilmiah

 1 
Peran Fintech Syariah dalam Mendorong Pertumbuhan Ekonomi Umat di Era Digitalisasi Keuangan Nurazizah, Tia; Vidiati, Cory
SENTRI: Jurnal Riset Ilmiah Vol. 4 No. 10 (2025): SENTRI : Jurnal Riset Ilmiah, Oktober 2025
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/sentri.v4i10.4768

Abstract

The advancement of digital technology has brought substantial transformation to the global financial landscape, including in Indonesia, through the emergence of financial technology (fintech) as a modern financial innovation. In this context, Islamic fintech represents a distinctive development that integrates digital innovation with Islamic economic principles, positioning it as a strategic driver for the economic empowerment of Muslim communities. This study aims to analyze how Islamic fintech concretely contributes to the economic growth of the ummah, particularly through inclusive access to sharia-compliant financial services in the era of financial digitalization. Using a qualitative descriptive approach based on literature studies from OJK, Bank Indonesia, DSN-MUI, and several Islamic fintech case studies in Indonesia, the research identifies that Islamic fintech plays a significant role in expanding financing opportunities for MSMEs, fostering productive investment aligned with Islamic ethics, and strengthening financial inclusion in underserved regions. The findings reveal that Islamic fintech contributes to the real sector by channeling funds into halal business activities, supporting entrepreneurial development, and enhancing social welfare through digital zakat, infaq, and waqf platforms. However, the study also highlights challenges, including limited adaptive regulation, low financial and digital literacy, and the need for stronger infrastructure and data security systems. These results imply that optimizing Islamic fintech’s potential requires synergy among the government, financial institutions, academia, and society to create a sustainable, equitable, and inclusive Islamic financial ecosystem capable of accelerating the economic growth of the Muslim community in the digital era.
Potensi Pengembangan Crowdfunding Syariah sebagai Alternatif Pembiayaan Sosial di Era Digital Laeliyah, Rizka; Vidiati, Cory
SENTRI: Jurnal Riset Ilmiah Vol. 4 No. 10 (2025): SENTRI : Jurnal Riset Ilmiah, Oktober 2025
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/sentri.v4i10.4774

Abstract

The rapid advancement of digital technology has fostered innovation in the financial sector, notably through the emergence of crowdfunding as an alternative model for social financing. This study analyzes the potential development of Islamic crowdfunding as an inclusive and Sharia-compliant social financing instrument in the digital era. Using a qualitative method with a literature study approach, the research draws on secondary sources including academic journals, regulatory documents, and reports from Islamic financial institutions. The findings reveal that Islamic crowdfunding offers substantial potential in promoting financial inclusion, supporting community economic empowerment, and contributing to the achievement of Sustainable Development Goals (SDGs), particularly in reducing poverty and improving welfare. This research contributes by highlighting the strategic role of Islamic crowdfunding in bridging the gap between social finance and technological innovation within an Islamic framework. However, several challenges persist, such as the absence of comprehensive regulations, limited Islamic financial literacy, and concerns over data security and public trust. To address these issues, an integrated strategy is proposed through regulatory strengthening, Sharia certification, collaboration with Islamic social institutions, and the adoption of blockchain-based innovations accompanied by digital literacy enhancement. Through the synergy of regulators, financial institutions, and society, Islamic crowdfunding can evolve into a key driver of a fair, transparent, and sustainable social finance ecosystem in Indonesia.
Co-Authors Afika, Ayu Ahyar, Aldi Musthofainal Alifa, Alifa Alifia, Tasya Alimna, Fika Angoy, Raisalam D. Arie Pratama, Fidya Arnelia Putri Pratiwi Auliah, Siti Avwa, Pina Ainul Dapiah Erlinda, Ela Faiz Amin, Nur M. Fernando, Ardi Habibah, Fadiyah Putri Nur Hernawati, Rita Heru Cahyono Hikmah, Anur Ihdalumam, Abdy Janan, Nabila Kasnawi, Kasnawic Kharimah, Kharimah Laeliyah, Rizka Lela, Citra Lubaba, Abu Maula, Ripdatul Mohammad Ridwan Muhammad Ridwan Mukholid, Wildani Munajim, Ahmad Mustaqiem, Akhmad Imam Najwa, Friska Nauroh, Izzwah Negarawati, Esa Nurazizah, Tia Nursindi, Mita Nurul Khasanah, Nurul Penty, Penty Pratama, Gama Pratama, Yahya Huda Pratiwi, Ayu Alfiani Pratiwi, Rina Ari Rahmanto, Agus Rahmawati, Linda Tri Ramadhani, Nurhalimah Rofik, Akhmad Rosalin, Nicha Rosidah Rosidah Sahaya, Aini Selasi, Dini Sinta, Ida Subagja, Gilang Suharto, Taufik Hidayat SUKIRNO Sundayana, Aditia Susanti Susanti Yasin, Muhamad Mufti Yasin, Muhammad Mufti Yulia, Devi