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Dhian Rosalina, Dhian
Management Study Program, Universitas Samudra
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Journal : Economics, Business and Management Science Journal

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Challenges of Digitalization In The Economy: The Penetration of Sharia Fintech in Aceh Rosalina, Dhian; Nurhayati, Nurhayati; Anggraini, Tuti
Economics, Business and Management Science Journal Vol 5, No 1 (2025): Economics, Business and Management Science Journal, February
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/ebmsj.v5i1.768

Abstract

Most coastal communities engage in fishing and simultaneously operate as MSMEs (Micro, Small, and Medium Enterprises) that drive the coastal economy. Unequal access to financial services from banks and other financial institutions has created obstacles for MSMEs in accessing financial services. Financial technology (fintech) has become a viable economic solution supporting MSME development by providing quick, affordable, and accessible services.In Aceh Province, where Sharia law is implemented in economic activities, one of the government policies through Bank Indonesia in 2023—"maintaining economic stability with inclusive and green economic-financial policies through digitalization and expanding domestic and export market access for MSMEs and Islamic economic-financial systems"—is particularly relevant to the challenges faced by coastal MSMEs in eastern Aceh. The urgency of this research lies in the need to study the strengthening of Sharia fintech-based financial services to assist MSMEs in the fisheries sector in developing their businesses amidst limited banking services in coastal areas of eastern Aceh.  This research aims to develop a Sharia fintech penetration model that can accelerate MSME growth in the coastal areas of eastern Aceh. This study employs two approaches: the interactive model and SWOT analysis. Research informants will include representatives from Bank Aceh, Bank Syariah Indonesia, the Department of Communication and Information in eastern Aceh, and Sharia fintech providers in Aceh.
Co-Authors Adelina Lubis Ahmad Prayudi Ahmad Prayudi Aksal, Muhammad Aulia Alfriado Leonard Noprian Dolok Saribu Dolok Saribu Alham, Fiddini Andika, Nasri Andri Soemitra Anna Sovia Apiska, Devi Aulia Fahrul Azmi Azhari Akmal Tarigan Desy Astrid Anindya Dewi Rosa Indah Dewi Rosa Indah, Dewi Rosa Dias Setia Ningsih Dyah Ayu Ardiyanti Erni Junaida Febbie Nauly Yusmalita Fiddini Alham Fitri, Desy Lailatul Hasibuan, Rizky Amanda Ihsan Effendi Iskandar Muda Isnaniah Laili KS Junaida, Erni Kartika Yuliari Laili KS, Isnaniah Lubis, Nasrul Kahfi Lubis, Nasrul Kahfi M Shabri Abd Majid Marliyah, Marliyah marnita, yenni ita Maulidan, Rahmat Mazaya, Syarah Nur Meutia Dewi, Meutia Mora , Zulkarnen MUHAMMAD FUAD Muhammad Rizqi Zati, Muhammad Rizqi Murad, Miftahuddin Murdhiani Murdhiani Nina Siti Salmaniah Siregar Nurhayati Nurhayati Nurul Wardani Lubis Nurul, Siti Nurul Zamilatun Popriana Popriana Putra, Wahyu Hardiansyah Putri, Mustika Putris Elianka Rahman, Maulana Rahmi Meutia Rahmi Syahriza, Rahmi Rambe, Yunita Safitri Renita Renita Riny Chandra Risud Alfrando Sagala Ritonga, Meisya Elpiana Safrizal Safrizal Salsabila Khalisa Samsul Bahri, Ferly Wiladia Sari Bulan Tambunan Sari, Wardhani Indah Setianingsih, Dias Sindy Yulia Rizki Siregar, Saparuddim Sugianto Sugianto Sugianto Suri Amilia Suri Amilia Suri Amilia Syahbudin, Jafar Syahputra, Rico Syahriza , Rahmi Syardiansah, Syardiansah Syardiansyah, Syardiansyah Tuti Anggraini Wandini, Siska Warsani Purnama Sari Warsani Purnamasari YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuliari, Kartika Yusnaini Yusnaini Yusnaini Yusnaini Yusnini, Yusnini Yusrizal Yusrizal Zati, Muhammad Rizki Ziaul Maula, Ziaul