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All Journal Jurnal Ilmiah Ekonomi Islam Community Development Journal: Jurnal Pengabdian Masyarakat Engagement: Jurnal Pengabdian Kepada Masyarakat At-Tahdzib: Jurnal Studi Islam dan Muamalah TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah IFADAH : Jurnal Ekonomi dan Manajemen Syariah
Dimyati Dimyati
UIN SUNAN AMPEL SUARABAYA
Religion Arts Humanities Economics, Econometrics & Finance Education Health Professions Public Health Social Sciences

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Management of The Impact of Sharia Fintech Implementation on Financial Inclusion of Marginalized Communities Syafiul Umam; Muhammad Syafi'i Budi Santoso; Abdul Wakhid; Ahmad Syahni; Dimyati Dimyati
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 2 No 01 (2026): IFADAH : Jurnal Ekonomi Dan Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v2i01.213

Abstract

This study examines the impact of Sharia fintech implementation on the financial inclusion of marginalized communities. The rapid development of financial technology based on Islamic principles has created new opportunities for expanding access to financial services among underserved populations, particularly those facing geographical, economic, and social barriers. The objective of this study is to analyze the role of Sharia fintech in improving access to financial services, promoting economic empowerment, and supporting sustainable financial inclusion. This research employs a qualitative descriptive approach through a comprehensive review of relevant literature, regulatory frameworks, and empirical findings related to Islamic financial technology and financial inclusion. The findings indicate that Sharia fintech contributes significantly to increasing access to financing, savings, payment systems, and financial literacy among marginalized communities. Furthermore, the principles of transparency, fairness, and prohibition of usury embedded in Sharia fintech enhance public trust and encourage broader participation in the formal financial sector. However, challenges such as limited digital literacy, inadequate technological infrastructure, regulatory constraints, and low public awareness remain significant barriers to maximizing its impact. The study concludes that strengthening regulatory support, improving digital literacy, and enhancing collaboration among stakeholders are essential to optimizing the contribution of Sharia fintech to inclusive and sustainable economic development
The Effect Of Sharia Capital Structure And Sharia Financing Structure On The Financial Performance Of Sharia Banking With Risk As An Intervening Variable Zakiyyah Ilma Ahmad; Ahmad Zainul Abidin; Muhammad Khoirun Nasirin; Rakhmawan Habibi; Dimyati Dimyati
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 2 No 01 (2026): IFADAH : Jurnal Ekonomi Dan Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v2i01.214

Abstract

The purpose of this study is to test and analyze the direct and indirect influence of sharia capital structure and sharia financing structure on financial performance through sharia banking risk. The type of research used is quantitative with a quantitative descriptive explanatory research analysis approach . The population in this study was 15 with a sample of 9 Islamic banks using the purposive sampling method . Data were collected using purposive sampling techniques through Islamic banking financial report data. The collected data was analyzed using Partial Least Square through the Smart-PLS application. The results of the study show: Sharia Capital Structure has a direct positive and significant influence on Financial Performance (1) Sharia Financing Structure has a direct negative and significant influence on Financial Performance, (2) Sharia Capital Structure has a direct negative and significant influence on Risk towards Sharia Banking, (3) Sharia Financing Structure has a direct negative and significant influence on Sharia Banking Risk, (4) Banking Risk towards Sharia has a direct negative and significant influence on Financial Performance, (5) Sharia Banking Risk has no influence and is not significant on the indirect relationship in mediating the relationship between Sharia Capital Structure towards Financial Performance and (6) Sharia Banking Risk has a positive and significant influence on the indirect relationship in mediating the relationship between Sharia Financing Structure towards Financial Performance.
The Influence of Islamic Work Ethics on Employee Performance with Employee Engagement as Variables Mediation at BMT Muhammad Khoirun Nasisirin; Zakiyya Ilma Ahmad; Dimyati Dimyati
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 2 No 02 (2026): IFADAH : Jurnal Ekonomi Dan Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v2i02.231

Abstract

Study This aim For analyze influence Islamic Work Ethics (IWE) towards performance employee with Employee Engagement as variables mediation at Baitul Maal wat Tamwil (BMT). Competition industry Islamic finance is increasingly strict demanding that BMT not only own superiority in aspect products and services , but also quality source Power human beings who are based on Islamic values . Implementation ethics Islamic work is believed capable form behavior trustworthy , professional , disciplined and responsible work​ answer so that impact on increasing attachment employee to organization as well as push achievement more optimal performance . Study This use approach quantitative with method survey . Population study is all over BMT employees , while sample determined use technique purposive sampling . Data collected through distribution questionnaire use five- point Likert scale and analyzed use Structural Equation Modeling – Partial Least Squares (SEM-PLS) . Variables studied covering Islamic Work Ethics as variables independent , Employee Engagement as variables mediation , and performance employee as variables dependent . Research result show that Islamic Work Ethics influential positive and significant to Employee Engagement and performance employees . In addition , Employee Engagement also has an impact positive to performance employees and proven mediate in a way partial connection between Islamic Work Ethics and Performance employees . Findings This indicates that the more tall implementation ethics Islamic work in organization , increasingly high level​ attachment employees who ultimately increase quality performance individual . Research This give implications practical that strengthening culture Islamic work , internalization mark trustworthiness , honesty , responsibility responsibility and professionalism need become the main strategy in development source Power people in BMT to be able to increase Power competition organization in a way sustainable
Co-Authors Abdul Wakhid Abdul Wakhid Abdul Wakhid Achmad Fageh Ahmad Syahni Ahmad Zainul Abidin Ahmad Zainul Abidin Ahmad, Zakiyyah Ilma Atok Syihabuddin Mazroatus Saadah Mohamad Nur Husen Mohammad Syafii Budi Santoso Muhammad Khoirun Nasirin Muhammad Khoirun Nasisirin Muhammad Syafi'i Budi Santoso Muhammad Syafi'i Budi Santoso Nur Laily Hidayati Rakhmawan Habibi Rosyadi, Imron Syafiul Umam Umi Chaidaroh Zakiyya Ilma Ahmad Zakiyyah Ilma Ahmad