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All Journal IQTISHADIA Jurnal Ekonomi Syariah Teori dan Terapan Falah : Jurnal Ekonomi Syariah Perisai : Islamic Banking and Finance Journal AFEBI Islamic Finance and Economic Review Tribakti: jurnal pemikiran keIslaman MALIA Amwaluna Jurnal Ekonomi dan Keuangan Syariah Journal of Islamic Monetary Economics and Finance JURNAL MANAJEMEN DAN BISNIS INDONESIA Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Salus Cultura: Jurnal Pembangunan Manusia dan Kebudayaan Jurnal Ilmiah Pengabdian dan Inovasi Jurnal Review Politik Tribakti: Jurnal Pemikiran Keislaman Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Irham Zaki
Departemen Ekonomi Syariah - Fakultas Ekonomi Dan Bisnis - Universitas Airlangga
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Social Sciences Other

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Journal : IQTISHADIA

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Improving Sharia Financial Inclusion through Advancements in Technology and Compliance with Sharia Principles Zaki, Irham; Paham, Fanet Muhammad Hanifan; Zusak, M Bastomi Fahri
IQTISHADIA Vol 16, No 1 (2023): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v16i1.22116

Abstract

This study aims to analyze the role of technology implementation and Sharia compliance in Islamic financial institutions in improving financial inclusion in Indonesia. This study employs a case study method using descriptive and explanatory techniques to investigate the relationship between the utilization of technology and compliance with Sharia principles in Peer-to-Peer Lending applied by ALAMI Sharia for contributing to the promotion of financial inclusion in Indonesia. This study focuses on analyzing Peer-to-Peer Lending ALAMI Sharia as the primary subject, specifically in relation to its impact on financial inclusion. The results of this study are then presented in a descriptive narrative manner to describe the findings in the field. Based on the four financial inclusion criteria used in this study: product penetration, product availability, product use, and product quality, it is generally understood that the implementation of advanced technology at Sharia financial institutions plays a crucial role in improving financial inclusion by providing service efficiency both in cost and time. Similarly, implementing Islamic financial principles contributes to enhancing financial inclusion in Indonesia by creating appealing financial products that comply with Sharia principles. These products are believed to ensure the high quality of financial products. This study provides empirical evidence on the prospects and the function of technology-based Islamic financial institutions, which will be very valuable for stakeholders in both practical and academic fields.
Co-Authors Abdurrofiil Ali Achsania Hendratmi Ade Rahmawati Afifah Nur Millatina Afifah Nur Millatina Ahmad Fadlur Rahman Bayuny Ajeng Dwyanita Ajeng Dwyanita, Ajeng Anak Agung Gede Sugianthara Ario Hernest Hadinata Asri, Muhammad Rizal Bagus Baidhowi Bagus Baidhowi, Bagus Beny Septyliyan Primada Beny Septyliyan Primada, Beny Septyliyan Beta Raditya Aulia Beta Raditya Aulia, Beta Raditya Dezata Nublidin Tridharma Putra Eko Fajar Cahyono, David Kaluge Fahamsyah, Mohammad Hatta Fahri, Bastomi Fanet Muhammad Hanifan Paham Fathin Su'aidi Fatin Fadhilah Hasib Fikri Ariza Achmad Firdaus Arfianandy Abiyoga Firdaus Arfianandy Abiyoga, Firdaus Arfianandy Firmansyah Aditama Firmansyah Aditama, Firmansyah Gautsi Hamida Gautsi Hamida Gilang Abdu Baasithurahim Hakimi, Fifi Hamida, Gautsi Hanif Ferryanto Hanif Ferryanto, Hanif Hariyanto Hariyanto Haryanti, Peni Husnul Mirzal Ike Nofita Nurohmah Imam Gracia Marshall Imam Sopingi Imma Mufidatus Sholikhah Isna Yuningsih Khoirun Nisak Khurin Fijria Nuzula Kusumaningtyas, Menur Laili, Yunita Nur M Bastomi Fahri M Bastomi Fahri Zusak Meri Indri Hapsari, Meri Indri Mi'raj, Denizar Abdurrahman Miftah Marta Diansyah Millatina, Afifah Nur Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhammad Ali Ridho Muhammad Anis Muhammad Sena Nugraha Pamungkas Muhammad Sena Nugraha Pamungkas Nadiyah Bilqis Nafilatul Khusnah Nanda Nur Novadina Nisful Laila Nur Halimah Paham, Fanet Muhammad Hanifan Raden Mohamad Herdian Bhakti Rani, Lina Nugraha Rian Rahmat Hidayat Rian Rahmat Hidayat, Rian Rahmat Rifqi Lazuardian Riza Arsita Sari Safika Rosyidatul Arifah Sakethi Arrow Rulloh Saher Samsul Arifin Santoso, Rohmad Prio Shahzad Shabbir, Malik Sholikudin Alawy Siti Zulaikha Sri Herianingrum Sri Herianingrum Syahrul Falah Wenny Widiantika Wijayanti, Ida Yunan Fadhilah Yuninda Roro Yekti Nugrahana Yunita Nur Laili Zusak, M Bastomi Fahri