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All Journal Islamic Ecomonics Journal Jurnal Ekonomi dan Bisnis Islam Resona : Jurnal Ilmiah Pengabdian Masyarakat Jurnal Ekonomi dan Bisnis Journal of Islamic Economic Laws Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Share: Jurnal Ekonomi dan Keuangan Islam Bulletin of Community Service and Development (BCSD) DIRHAM Jurnal Ekonomi Islam Islamic Economics and Business Review (IESBIR) eJEBA Journal of Islamic Economic Laws
Afifah Nur Millatina
Universitas Muhammadiyah Malang
Religion Agriculture, Biological Sciences & Forestry Arts 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.
Co-Authors Ahmad Hudaifah, Ahmad Amalia, Rahmi Arif Luqman Hakim Arif Luqman Hakim, Arif Luqman Arifandi, Muhammad Rizky Ascarya Ascarya Fadilla Muhammad Mahdi Fatimatuzzahro, Fatimatuzzahro Fuadah Johari, Fuadah Hakimi, Fifi Haris Al Reza Mochamad Novi Rifa’i Mochammad Novi Rifa’i Muhammad Rizky Arifandi Muslikhati, Muslikhati Puti Khairani Rijadi Rachman, Mohammad Aulia Rahmad Hakim Ratna Wardani Rifa’i, Mochamad Novi Risanda Alirastra Budiantoro Shochrul Rohmatul Ajija Sri Cahyaning Umi Salama Tsani, Luthfi Ibnu Wahyudi Wahyudi