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All Journal Trikonomika: Jurnal Ekonomi Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Jurnal Tabarru': Islamic Banking and Finance Jurnal EK dan BI El-kahfi : Journal of Islamic economics Innovative: Journal Of Social Science Research Borneo Islamic Finance and Economics Journal (BIFEJ) At-Tajdid: Journal of Islamic Studies Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah International Journal of Information System and Innovation Management
Albahi, Muhammad
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Journal : El-kahfi : Journal of Islamic economics

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Islamic Financial Inclusion and the Empowerment of Micro Enterprises in Remote Regions Meili Mahera, Rofiqo; Ilham, M; Albahi, Muhammad
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.491

Abstract

This study explores the role of Islamic Financial Institutions (IFIs) in enhancing access to microenterprise financing in rural Indonesia through a qualitative literature review approach. Drawing on 25 peer-reviewed sources published between 2019 and 2024, the research identifies four key dimensions: institutional outreach, rural access barriers, effectiveness of sharia contracts, and integration of social and digital finance. Findings reveal that although IFIs have grown significantly in terms of assets and regulatory structure, their inclusion strategies remain inadequate for rural populations. Sharia-based contracts like mudharabah and musyarakah are underutilized due to operational complexities and lack of financial literacy. Moreover, the integration of zakat and other social finance tools with digital platforms is still fragmented. The study emphasizes that Islamic finance must move beyond formal compliance toward ethical inclusivity by addressing structural, behavioral, and technological barriers. The research concludes that achieving maqashid shariah in microfinance requires institutional reform, cross-sector collaboration, and a renewed commitment to justice, transparency, and community empowerment.
Co-Authors Abdullah, Siti Intan Nurdiana Wong ahmad arifin amrin Andri Soemitra Annisa, Resti Arif Rahman Aslati Aslati Azis, Fahnur Damanik, Khairuddin Desi Andriani, Desi Despileny, Iren Dwi, Septy Rahma Fauziah, Wiwin Ichsan, Atikah Nurul Ilham, M Jannah, Nisa Zahratul Kartika, Meri Khoirudin Lesmita, Febria Lubis, Nurhayati Mahyarni Masri, Rahmi Vivri Meili Mahera, Rofiqo Miftahurrazak, Muhammad Nawir Yuslem, Nawir Noor, Mohd Rahman Rahman Ritonga, Miftahul Janna Silawati Silawati Sitompul, Silvia Sari Sofia Hardani Subarkah, Dea Putriana Susanti, Elsa SUZANA, SUZANA