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All Journal SINDA: Comprehensive Journal of Islamic Social Studies Jurnal Bisnis Mahasiswa Industrial Research Workshop and National Seminar Journal of Innovation and Sustainable Empowerment Jurnal Riset Ekonomi dan Bisnis Mahasiswa : Brainy JIB : Journal Islamic Banking RISK : Jurnal Riset Bisnis dan Ekonomi International Journal of Economics, Commerce, and Management
Muchamad Rizky Fauzi
Universitas Pamulang
Religion Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering 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 Mechanical Engineering Social Sciences Other

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The Role of Fintech in SME Financing: A Bibliometric Review Muchamad Rizky Fauzi; Puji Handayati; Ely Siswanto
International Journal of Economics, Commerce, and Management Vol. 2 No. 2 (2025): April : International Journal of Economics, Commerce, and Management
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijecm.v2i2.632

Abstract

The rapid growth of financial technology (fintech) has significantly transformed the funding landscape for Small and Medium Enterprises (SMEs), offering innovative financial solutions beyond traditional banking institutions. This study presents a bibliometric analysis of fintech’s role in SME financing, identifying emerging trends and research gaps. Utilizing bibliographic coupling and co-occurrence network analysis, data from Scopus were analyzed to uncover the intellectual structure and evolution of research in this field. The results highlight key themes, including the integration of blockchain, peer-to-peer lending, financial inclusion, and crowdfunding in SME financing. A particular focus on Islamic finance and Islamic crowdfunding indicates a growing interest in alternative financing mechanisms that align with Sharia principles. Additionally, the study reveals an increasing academic focus on fintech adoption in developing economies, particularly in Indonesia and Nigeria, where access to capital remains a critical challenge. The findings underscore fintech’s role in democratizing financial access for SMEs, bridging funding gaps, and fostering economic growth. Future research should investigate regulatory frameworks, risk management strategies, and technological adoption models to optimize the impact of fintech on sustainability in SME financing.
Mapping the Research Landscape of SME Digitalization: A Bibliometric Analysis Rizkita, Marsya Aulia; Fauzi, Muchamad Rizky; Nurrahma, Aisyah Asri; Hermawan, Agus; Handayati, Puji
RISK : Jurnal Riset Bisnis dan Ekonomi Vol. 6 No. 1 (2025): Mei 2025
Publisher : Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/risk.v6i1.6351

Abstract

Small and Medium Enterprises (SMEs) are crucial drivers of national economies, particularly in developing countries like Indonesia. The COVID-19 pandemic significantly disrupted SME operations, yet also accelerated the adoption of digital technologies as a strategy for resilience and recovery. This study aims to map the research landscape of SME digitalization through a bibliometric analysis using data extracted from the Scopus database for the period 2020–2025. Employing a systematic literature review (SLR) and PRISMA methodology, 96 open-access articles in the field of Business, Management, and Accounting were selected and analyzed. The results reveal a sharp increase in digitalization-related research post-pandemic, with central themes including business models, sustainability, industry 4.0, and digital strategy. Network, overlay, and density visualizations generated via VOS viewer indicate that while digital transformation is a well-established topic, emerging themes such as digital maturity, governance, and internationalization present new research directions. This study contributes by offering a comprehensive overview of existing literature, highlighting conceptual linkages, and identifying future research avenues that integrate digital innovation, crisis resilience, and strategic development in SMEs.
Analisis Kesehatan Bank Syariah Indonesia Menggunakan Metode CAMEL Alfarda, Wahidatun Nafiah; Fauzi, Muchamad Rizky; Diniyati Sholihah, Fefi
SINDA: Comprehensive Journal of Islamic Social Studies Vol 3 No 2 (2023): volume ,3 Nomor 2 Agustus 2023
Publisher : Universitas Nahdlatul Ulama Blitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28926/sinda.v3i2.1083

Abstract

Pentingnya peran Lembaga keuangan bagi perekonomian menuntut setiap lembaga keuangan untuk menjaga kesehatan keuangannya. Bank Indonesia telah mengatur tingkat kesehatan perbankan melalui SEBI nomor 9/24/DPBS tentang penilaian kesehatan bank berdasarkan prinsip-prinsip syariah. BSI atau Bank Syariah Indonesia merupakan Bank dengan sistem syariah pertama kali di Indonesia perlu menjaga tingkat kesehatan karena baru saja melakukan merger di tahun 2021. Oleh sebab itu perlu dilakukan analisis pada Bank BSI sesuai dengan SEBI nomor 9 dengan metode CAMEL. Menggunakan pendekatan deskriptif kuantitatif. Analisis ini dilakukan terhadap data berupa angka atau numerik yang didapat dari laporan keuangan Bank BSI tahun 2021. Data yang diperoleh akan dianalisis dengan kriteria yang ditentukan oleh Bank Indonesia dengan metode CAMEL. Hasil dari analisis ini menunjukkan Bank BSI pada tahun 2021 memperoleh predikat sehat dengan angka kredit sebesar 89%.
Qardhul Hasan Sebagai Pembiayaan Sosial Dalam Mengatasi Kemiskinan Fauzi, Muchamad Rizky; Alfarda, Wahidatun Nafiah; Supriyanto, Supriyanto
SINDA: Comprehensive Journal of Islamic Social Studies Vol 4 No 1 (2024): Volume. 4 Nomor 1 April 2024
Publisher : Universitas Nahdlatul Ulama Blitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28926/sinda.v4i1.1391

Abstract

Qardhul Hasan as Social Financing in Combating Poverty. The well-being of the people is the primary objective of the establishment of a nation. However, for developing countries, it is still a homework in tackling poverty. The Islamic Shariah manages poverty primarily to reduce poverty with funds derived from zakat, infaq, and sedekah. Indonesia, as the country with the largest number of Islamic believers in the world, has the potential to have large funds for zakat, infaq, and sedekah, but the current management is still not at its maximum. This research is aimed at exploring the literature on financing Qardhul Hasan as a means of combating poverty. Among them is an increase in profits of up to six times. Besides, there are other advantages, such as improved customer skills. With increased sharia financial inclusion, financing for the community can improve the well-being of the community and reduce the poverty rate.
Bibliometric Mapping of Maqasid Shariah in Financial and Sustainability Studies Fauzi, Muchamad Rizky; Hasriadi, L.M; Yanti, Wilda
RISK : Jurnal Riset Bisnis dan Ekonomi Vol. 6 No. 2 (2025): November 2025
Publisher : Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/risk.v6i2.7007

Abstract

This study examines the intellectual development of Maqasid Shariah in the fields of Islamic finance and sustainability over the last ten years. Employing bibliometric and content analyses of Scopus-indexed publications, the results indicate that Indonesia and Malaysia are the foremost contributors to this domain, highlighting their regional preeminence in the integration of ethical, financial, and sustainable governance frameworks. The keyword mapping shows five main thematic clusters that make up the current research landscape: sustainability, Islamic banking, Maqasid Shariah, governance, and innovation. There is a clear progression over time from early studies that looked at compliance and financial performance to newer topics like ESG integration, value-based banking, and fintech-driven sustainability. The findings indicate that Maqasid Shariah has transitioned from a normative framework to an operational paradigm that reconciles ethical objectives with economic performance and environmental stewardship. This change makes Islamic finance a value-driven model that can help with global sustainability goals. The study concludes by urging future researchers to broaden empirical investigations across various sectors and to create hybrid analytical models that amalgamate Maqasid Shariah with digital innovation and sustainability assessment frameworks.  
Pelaporan environmental, social, and governance dan transparansi pajak Nasihah, Arifatun; Fauzi, Muchamad Rizky
Jurnal Bisnis Mahasiswa Vol 5 No 6 (2025): Jurnal Bisnis Mahasiswa
Publisher : PT Aksara Indo Rajawali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60036/jbm.937

Abstract

Penelitian ini memetakan arah dan tren penelitian ESG serta transparansi pajak melalui analisis bibliometrik menggunakan VOSviewer. Hasil visualisasi mengidentifikasi lima klaster utama dengan corporate governance sebagai simpul sentral: klaster merah (keberlanjutan dan stabilitas keuangan), biru (tax avoidance dan CSR), hijau (pengawasan internal dan nilai perusahaan), kuning (agresivitas pajak dan kinerja), serta ungu (struktur modal dan profitabilitas). Tren penelitian menunjukkan pergeseran temporal dari kajian etis tanggung jawab sosial menuju integrasi ESG dengan tata kelola pajak yang transparan dan kolaboratif. Isu-isu emerging seperti digital tax governance, ESG disclosure, dan cooperative compliance menjadi fokus riset terkini yang menekankan sinergi antara keberlanjutan, etika fiskal, dan kebijakan publik. Penelitian ini mengusulkan paradigma baru "ESG Fiscal Transparency" yang menempatkan pelaporan ESG dan praktik perpajakan sebagai pilar akuntabilitas dan keberlanjutan korporasi global.
Pelatihan dan Implementasi Pencatatan Laporan Keuangan UMKM Berbasis Standar Akuntansi Keuangan Entitas Mikro Kecil dan Menengah Irna Mayasari; Muchamad Rizky Fauzi
Journal of Innovation and Sustainable Empowerment Vol. 4 No. 3 (2025)
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM) Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/jise.v4i3.181

Abstract

Kegiatan ini dilatarbelakangi oleh permasalahan yang dihadapi UMKM, yaitu lemahnya pencatatan keuangan yang masih bersifat sederhana bahkan sebagian besar tidak memiliki laporan keuangan yang sesuai dengan standar akuntansi. Kondisi ini mengakibatkan UMKM kesulitan dalam menilai kinerja usaha, membedakan keuangan pribadi dan usaha, serta terbatas dalam mengakses pembiayaan perbankan karena tidak adanya laporan keuangan yang kredibel. Melalui kegiatan ini, tim PKM akan memberikan pelatihan dan pendampingan kepada UMKM agar mampu memahami serta menerapkan pencatatan keuangan berbasis SAK EMKM. Metode pelaksanaan meliputi beberapa tahapan, yaitu analisis situasi awal (need assessment), sosialisasi pentingnya laporan keuangan, pelatihan teknis pencatatan transaksi dan penyusunan laporan keuangan, serta pendampingan implementasi secara langsung. Selanjutnya, dilakukan monitoring dan evaluasi untuk mengukur keberhasilan program. Hasil yang dicapai dalam kegiatan ini adalah terbentuknya kompetensi teknis pelaku UMKM dalam menyajikan informasi keuangan yang berkualitas. Mitra kini mampu menghasilkan produk administrasi berupa satu set laporan keuangan lengkap sesuai standar SAK EMKM yang siap digunakan untuk keperluan audit internal maupun eksternal. Dengan beralihnya manajemen keuangan menjadi lebih transparan dan tersistem, mitra memiliki legitimasi yang lebih kuat untuk mengakses skema pembiayaan perbankan, yang pada akhirnya menjadi fondasi kokoh bagi peningkatan daya saing dan eskalasi skala usaha.
Co-Authors Agus Hermawan Aisyah Asri Nurrahma Alfarda, Wahidatun Nafiah A’ida Nur Kholifah, Siti Chandra Ramadhan, Fariz Diniyati Sholihah, Fefi Ely Siswanto Hamdani . Hasriadi, L.M Ilmiyah, Syarofatul Irna Mayasari Nasihah, Arifatun Natalya, Fajratun Nuriyah, Khofifah Puji Handayati PUTRI, SILVIA Rizki Darmawan, Mochamad Rizkita, Marsya Aulia Sirri, Ahmad Sudarmiatin Supriyanto Supriyanto Wening Patmi Rahayu Yanti, Wilda Yuliartin, Fenty