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Sunusi, Akbar M.
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Peran Fintech Syariah Dalam Meningkatkan Inklusi Keuangan Sumarni, Sumarni; Rika, Rika; Waqia, Nurul; Julianty, Amanda; Sunusi, Akbar M.
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2216

Abstract

The development of Islamic financial technology (sharia fintech) has become an important instrument in promoting financial inclusion in Indonesia, particularly for unbanked communities and Micro, Small, and Medium Enterprises (MSMEs). This study aims to analyze the role of sharia fintech in enhancing digital financial inclusion and to identify the challenges in its implementation. This research employs a qualitative approach using a literature review of relevant national and international journal articles on sharia fintech and financial inclusion. The findings indicate that sharia fintech significantly contributes to expanding access to financial services through digital transaction convenience, service efficiency, and the application of transparent and equitable Islamic principles. However, the optimization of sharia fintech still faces several challenges, including low levels of Islamic financial literacy, limited digital infrastructure, and the need for stronger regulatory and supervisory frameworks. Therefore, collaboration among regulators, industry players, and the public is essential to ensure the sustainability of sharia fintech as a driver of inclusive and sustainable financial development
Analisis Halal Value Chain Pada Produk Umkm Studi Kasus Toko Serba Mente (Cemilan & Oleh-Oleh Kolaka) Marunta, Ristiyanti Ahmadul; Sunusi, Akbar M.; Julianti, Amanda; Waqia, Nurul; Pratiwi, Eki; Rika, Rika
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2261

Abstract

This study aims to analyze the implementation of the Halal Value Chain in UMKM Serba Mente, a local snack and souvenir business in Kolaka Regency. The Halal Value Chain emphasizes the application of halal principles throughout all stages of the value chain, including raw material procurement, production processes, packaging, distribution, and marketing. This research employed a qualitative descriptive approach. Data were collected through in-depth interviews with the business owner, direct observation of production activities, and supporting documentation. The findings indicate that UMKM Serba Mente has implemented halal principles consistently across its value chain, although some practices are still conducted in a simple manner. The implementation of the Halal Value Chain contributes positively to product quality, consumer trust, and the competitiveness of UMKM in local and national markets. However, several challenges remain, particularly related to resource limitations and external production factors. This study is expected to provide insights for the development of halal product management among similar UMKM.
Co-Authors Julianti, Amanda Julianty, Amanda Marunta, Ristiyanti Ahmadul Pratiwi, Eki Rika, Rika Sumarni Sumarni Waqia, Nurul