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All Journal JAKPI Al-Ulum BISNIS: Jurnal Bisnis dan Manajemen Islam AKSES: Jurnal Ekonomi dan Bisnis Politeia: Jurnal Ilmu Politik TAZKIR: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman At-Tawassuth: Jurnal Ekonomi Islam MALIA Istinbath: Jurnal Hukum dan Ekonomi Islam Jurnal Penelitian Ekonomi Akuntansi (JENSI) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal of Health, Economics, and Social Sciences (IJHESS) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Proceeding International Seminar of Islamic Studies Jurnal Ekonomi Bisnis dan Akuntansi Jurnal SALMAN : Sosial dan Manajemen Journal of Islamic Economics and Business Jurnal Kendali Akuntansi Jurnal Riset Ekonomi dan Akuntansi Journal of Management, Economic, and Accounting INOVASI: Jurnal Politik dan Kebijakan Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis IIJSE Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Scripta Economica: Journal of Economics, Management, and Accounting
Saparuddin Siregar
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Public Health Social Sciences Other

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Sharia Crowdfunding as an Instrument of MSME Financial Inclusion in Indonesia: Development, Challenges, and Regulatory Implications Bunga Dwi Fani Ritonga; Saparuddin Siregar; Maryam Batubara
Journal of Economics, Management, and Accounting Vol 1 No 3 (2026): March: Scripta Economica: Journal of Economics, Management, and Accounting
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/4w024365

Abstract

Sharia crowdfunding has gained increasing attention as an alternative financing mechanism capable of supporting MSME financial inclusion in Indonesia’s Islamic economic framework. This study aims to analyze the development of Sharia crowdfunding, identify key challenges in its implementation for MSME financing, and examine the resulting regulatory and institutional implications. Employing a qualitative research approach, the study utilizes in-depth interviews, document analysis, and literature review to capture perspectives from regulators, platform operators, Sharia authorities, investors, and MSME actors. The findings indicate that Sharia crowdfunding contributes to expanding access to capital through ethical, risk-sharing, and technology-based financing models, while remaining consistent with Islamic principles. However, its implementation is constrained by limited financial literacy, dual regulatory compliance demands, governance standardization issues, MSME capacity limitations, and investor risk perceptions. The study further reveals that effective regulatory harmonization, strengthened Sharia supervision, and institutional coordination are critical to ensuring sustainability and credibility. These findings underscore the role of Sharia crowdfunding as a complementary instrument for inclusive economic development and provide policy-relevant insights for strengthening Indonesia’s Islamic fintech ecosystem.
Co-Authors Ade Khadijatul Z. Hrp Ahmad Aswan Waruwu Ahmad Harun Daulay Ahmad Qorib Akmal Al-Ghifari, Abu Dzar Amin Al Jawi Aminah Lubis Amiur Nuruddin Aqwa Naser Daulay Arif Fauzan Armansya Walian Arsyadona Arsyadona Asmiwarti Asmiwarti Asmuni Asmuni Atika Atika Aulia Wardhana Azwansyah Habibie, Azwansyah Bi Rahmani, Nur Ahmadi Bunga Dwi Fani Ritonga Burhanuddin Burhanuddin Catur Hayati Wulandari Dahrul Siregar Defi Rahayu Dewi Sundari Dhea Putri Andini Didik Gunawan Dini Yunila Tanjung Edi Faisal Harahap Erina Yasmin Faisar Ananda Faisar Ananda Arfa Fakrurradhi Fakrurradhi Fitri Handayani Sitorus Fitrianingsih Fitrianingsih Hastuti Olivia Hidayati Siregar Husni Pasarela I Ketut Suada Irna Meutia Sari Iskandar Iskandar Ismail, Abdurrozzaq Isnaini Harahap Jannah, Nurul Kayla Zahara Putri Nasada Khairani Khairani Khairul Hasanah Lidiya Uzmasyah M Ridwan M, Ridwan M. Yasir Nasution Marliyah Marliyah Maryam Batubara Muhammad Dhio Natama Harahap Muhammad Lathief Ilhamy Nasution Muhammad Nasrullah Muhammad Reza Muhammad Rifky Santoso Muhammad Rizal Muhammad Sadri Nanda Safarida Ngatno Syahputra Nurhayati Nurul Aini Siregar Nurul Inayah Rafia Hafni Harahap Rahmat Rahmi Pamela Putri Rianto, Hartato Rifqiyati Putri Rizqia Humaira Nasution Rukiah Rukiah SARWOTO SARWOTO Selly Febriana SRI RAHAYU Sri Wahyuni Sugianto Sugianto Suginam Syafrizal, Rodi Tasya Rahma Dayani Pohan Teti Tri Astuti Jusasni Tri Auri Yanti Tuti Anggraini Wahyu Syarvina Wahyuni Syahfitri Willy Romadon Dalimunthe Yenni Samri Juliati Nasution Yenni Samri Juliati Nst Yuli Ekawati Yunda Herliana Zainal Arifin Zakaria Zen, M. Afif Shahputra