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All Journal SEIKO : Journal of Management & Business KOMPUTEK JISIP: Jurnal Ilmu Sosial dan Pendidikan Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Informatika Jurnal UNITEK Indonesian Journal of Islamic Economics and Business International Journal of Health, Economics, and Social Sciences (IJHESS) Journal of Research in Instructional Ar-Rasyid: Jurnal Pendidikan Agama Islam Al-Buhuts (e-journal) Jurnal Teknik Informatika PROSISKO : Jurnal Pengembangan Riset dan observasi Rekayasa Sistem Komputer Edukasia: Jurnal Pendidikan dan Pembelajaran Jurnal Ilmu Multidisplin Jurnal Sintaks Logika (JSilog) Jurnal Sains dan Ilmu Terapan Al Rikaz : Jurnal Ekonomi Syariah Amal Ilmiah: Jurnal Pengabdian Kepada Masyarakat Jurnal Manajemen Informatika, Sistem Informasi dan Teknologi Komputer (JUMISTIK) Dialektika : Jurnal Pendidikan Agama Islam
Ade Hastuty
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SHARIA CROWDFUNDING : FUNDING INNOVATION TECHNOLOGY-BASED FOR MSMES Ramadhani, Fitri Setia Okta; Bakri, Hilda; Fitri, Fitri; Hastuty, Ade
JURNAL PROFIT Vol 9, No 2 (2025): Economic And Financial Institutions
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i2.11440

Abstract

Sharia crowdfunding is an innovation in funding that utilizes technology to provide solutions to the problem of limited access to financing for MSMEs by following sharia principles. This study aims to explore the understanding, how it works, and the economic and strategic benefits of sharia crowdfunding in strengthening MSMEs in the sharia economic environment. The method applied in this study is qualitative descriptive with a literature study approach, where data is collected from various sources such as journals, articles, and relevant documents. The findings of the study indicate that sharia crowdfunding applies various sharia contracts such as mudharabah, musyarakah, and qardh hasan which prioritize justice, transparency, and the principle of being free from exploitation. Several platforms such as Ethis and Investree Syariah have shown the success of this model in increasing financial inclusion and empowering MSMEs. However, there are still challenges such as low sharia financial literacy, lack of digital infrastructure, and regulations that are not yet fully mature that need to be resolved. Therefore, there is a need to be cooperative between various parties in terms of education, strengthening regulations, and developing technology to maximize the potential of sharia crowdfunding as a sustainable and inclusive financing solution for MSMEs in Indonesia
Co-Authors Abdul Halik Abdul Muqtadir. S ahmad selao Alfa Wiani, Irenia Alindar, Dwi Putra Amaluddin Amaluddin, Amaluddin Ambo Dalle Amir, Asfiad Andi Fitriani Djollong Andi Wafiah Anjani, Fariza Anugra, Novia Aras, Andi Arimbi, Andi Asira Asmiatin, Asmiatin Baharuddin Bakri, Hilda Basri, Muh. cadhar, Indri aditya Chaerunnisa, Chaerunnisa Dahlia Dahlia Erinda, Dheva Fachry Abda El Rahman Fajriyani Fauziyyah Febiola, Andi Febriyani Firman.A Fitri Fitri Hasmuddin Hasmuddin, Hasmuddin Henriani Imranah Irmayani Pawelloi Islam, Firaunal Jaswan Jufri, Darmawati Mahsyar, Mahsyar Masnur Masnur Maswati, Maswati Mughaffir Yunus Muh Rusli Muh. Rifli Aris Muhammad Basri Muhammad Basri Nasir, Jumriani Nurdin, Irma Pawelloi, A. Irmayani Pratiwi, Maharani Dian Ramadan, Syahrul Ramadhani, Fitri Setia Okta Rezky Fahmi Ridwan, RirinJunitasari Rifaldi Rifaldi Riyadi Tamrin, Ahmad Safri, Aisyah Saharuddin, Munawir Sahidin, Sudirman Selao, Ahmad St. Wardah Hanafie Das Sudarman Hamzah Sukri, Abdul Muqtadir Sulistiawati, Ade Syarif, St Humaerah Syuhada, Dwi Tahir, Fitrah Pratiwi Tahir, Fitriani Tobroni Tobroni Tuzzahrah, Fatimah Untung Suwardoyo Wafiah , Andi Wahidin Wahidin Wahyuddin Wahyuddin Wahyuddin Wahyuddin Yusaerah, Nur