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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah
Ali Masyhuri, Mohammad
Unknown Affiliation
Economics, Econometrics & Finance Social Sciences

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The Role of Digital Technology in Driving the Growth of Halal Fintech Ali Masyhuri, Mohammad
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 3 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i3.26920

Abstract

This study explores the role of digital technology in driving the growth of the halal fintech sector, which is growing along with the increasing demand for sharia-compliant financial services. Digital technologies, especially blockchain, artificial intelligence (AI), and big data, enable halal fintech to provide more transparent, efficient, and inclusive services. The adoption of digital technology in the sharia financial sector increases accessibility and convenience for consumers, and supports the creation of a more sustainable financial ecosystem (Zohra et al., 2021). By leveraging digital platforms, halal fintechs are not only strengthening their business foundations but also playing a vital role in expanding financial inclusion in countries with Muslim-majority populations. This study provides insights into how digital transformation can catalyze the growth of the halal fintech sector, while addressing the challenges faced by the industry in ensuring compliance with sharia principles.
The Development of Tempe Msme Cooperatives in Sidoarjo: A Strategy to Strengthen Competitiveness and Local Economic Independence Ali Masyhuri, Mohammad
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30515

Abstract

The development of cooperatives as the main driver of tempeh Micro, Small, and Medium Enterprises (MSMEs) in Sidoarjo Regency, East Java, is an interesting model in the context of strengthening competitiveness and local economic independence. This study aims to analyze the strategies implemented by tempeh MSME cooperatives in Sidoarjo, using qualitative research methods with a case study approach at the Sidoarjo Branch of the Indonesian Tofu and Tempeh Producers Cooperative (KOPTI) and similar cooperatives. The results show that the strategy to strengthen competitiveness is carried out through supply chain consolidation, particularly the collective procurement of soybean raw materials (Dethier & Effenberger, 2012; Poulton et al., 2004). In terms of economic independence, cooperatives play a role as learning and inclusive financial institutions (Birchall & Ketilson, 2009) that facilitate increased managerial capacity, access to soft capital, and the formation of a broader marketing network. Synergy between cooperatives, local governments, and other supporting institutions has proven crucial in creating a sustainable business ecosystem (Mazzarol et al., 2018). Challenges faced include fluctuations in global soybean prices, competition with non-organic products, and the regeneration of business actors. It is concluded that the tempeh MSME cooperative in Sidoarjo has developed an effective integrative strategy to build collectivity-based competitiveness and promote local economic independence.
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