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All Journal JDE (Journal of Developing Economies) Jurnal Ekonomi dan Bisnis Islam Studi Kasus Inovasi Ekonomi Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Bulletin of Community Service and Development (BCSD) East Java Economic Journal eJEBA
Sri Cahyaning Umi Salama
University Of Muhammdiyah Malang
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Nursing Social Sciences

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SWOT Analysis in Optimizing Financial Technology in Islamic Cooperative to Increase Islamic Financial Inclusion Salama, Sri Cahyaning Umi; Millatina, Afifah Nur
e-Journal Ekonomi Bisnis dan Akuntansi Vol. 12 No. 1 (2025): e-JEBA Volume 12 Number 1 Year 2025
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejeba.v12i1.53680

Abstract

Financial technology has great potential to enhance financial accessibility, particularly for members of Baitul Maal wa Tamwil (BMT) or Islamic cooperatives. However, the adoption of micro-fintech (fintech in microfinance institutions) still faces various challenges, such as limited adoption of technology, regulations, and competition with conventional fintech. This study aims to analyze the strategy of optimizing financial technology in Islamic microfinance institutions to increase Islamic financial inclusion in Indonesia using the SWOT analysis approach. This study is a qualitative study with data collection techniques through observation and literature studies. Based on the results of the SWOT analysis, the strategy for optimizing micro-fintech can be carried out by developing a more inclusive digital platform, increasing education and digital literacy for members, and strengthening cooperation with various parties, including the government and Islamic financial institutions. With the right approach, micro-fintech implementation in BMT can be more effective in increasing islamic financial inclusion in Indonesia.
FAKTOR-FAKTOR PENENTU MUSLIM MILENIAL BERINSVESTASI DI TABUNGAN EMAS SYARIAH: (DETERMINANTS OF MILLENNIAL MUSLIMS' INTEREST IN INVESTING IN SHARIA GOLD SAVINGS) Salama, Sri Cahyaning Umi; Wardani, Mahdayusiska; Hakim, Imamul
e-Journal Ekonomi Bisnis dan Akuntansi Vol. 11 No. 2 (2024): e-JEBA Volume 11 Number 2 Year 2024
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejeba.v11i2.52114

Abstract

The purpose of this study was to determine the factors that influence the interest of millennial Muslims to invest in sharia gold savings in Malang City. The population in this study were those who were included in the millennial generation with a birth range of 1980 to 2000 in Malang City. The sampling technique used the accidental sampling method with a total of 100 respondents. The data source in this study was primary data. Data collection was carried out by distributing questionnaires via Google Form. The data analysis technique, namely SEM or Structural Equation Model modeling, was used as a research data processing technique with the help of the SmartPLS 4.0 test tool. The results of this study indicate that: (1) the knowledge factor has a significant effect on the interest in investing in sharia gold savings, (2) the security factor does not have a significant effect on the interest in investing in sharia gold savings (3) the investment risk perception factor has a significant effect on the interest in investing in sharia gold savings.
Co-Authors Afifah Nur Millatina Ahmad Hudaifah, Ahmad Dina Heriyati Fadilla Muhammad Mahdi Fuadah Johari, Fuadah Imamul Hakim Mahdi , Fadilla Muhammad Mochamad Novi Rifa’i Muslikhati, Muslikhati Puspita, Icha Rahmad Hakim Sajida, Nasiha Shochrul Rohmatul Ajija Wardani, Mahdayusiska