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All Journal Jurnal Ekonomi dan Bisnis Islam (JEBI)
Abror, Moh Arifal
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Economics, Econometrics & Finance

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Empowerment of Women-Owned Businesses through Islamic Financial Inclusion Instruments: The Role of Crowdfunding Al Berto, Muhammad; Hamdun, Nabil Ghazy; Abror, Moh Arifal
Jurnal Ekonomi dan Bisnis Islam (JEBI) Vol. 5 No. 1 (2025): Maret
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAMMM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56013/jebi.v5i1.3831

Abstract

Women entrepreneurs face financial constraints due to limited access to traditional banking, lack of collateral, and systemic biases. This study explores Sharia-compliant crowdfunding as an alternative financing model to enhance financial inclusion. Using a qualitative approach with library research, the study proposes a model integrating social intermediation (group formation, client appraisal, capacity building) and financial intermediation (qardh hasan for interest-free loans, musyarakah for investment-based financing). Findings suggest this approach can bridge the financing gap, promote women's economic participation, and create a more inclusive financial ecosystem. Expanding Islamic crowdfunding and financial literacy can further empower women entrepreneurs and drive sustainable economic growth.
Co-Authors Al Berto, Muhammad Hamdun, Nabil Ghazy