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All Journal At-Tawazun, Jurnal Ekonomi Syariah
Sevia Tamara, Alda
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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KEUANGAN MIKRO PADA KOPERASI KONSUMEN SYARIAH: MENINGKATKAN EFISIENSI DAN KEBERLANJUTAN DI ERA DIGITALISASI DAN EKONOMI KREATIF Hani’atul Latifah, Nur; Rahmadanie, Dhea; Sevia Tamara, Alda; Amalia, Varissa; B, Irwan
At-Tawazun, Jurnal Ekonomi Syariah Vol. 13 No. 02 (2025): December
Publisher : Ekonomi Syariah STAI Sangatta Kutai Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55799/tawazun.v13i02.802

Abstract

Microfinance management in Islamic consumer cooperatives is a field that continues to grow in line with technological innovation and digital economic development. This study uses a qualitative method with a literature-study approach to examine various relevant concepts and theories in Sharia-based microfinance management. The discussion focuses on the concept of technological innovation, small-scale digital financial management, and the influence of the creative economy on the Islamic microfinance model. In addition, the Technology Acceptance Model (TAM) is studied to understand the acceptance of digitalization by cooperatives and Sharia MSMEs. This study shows that integrating Sharia principles such as justice, trust, and benefit with digital innovation and the creative economy can improve the efficiency, transparency, and sustainability of microfinance management. It confirms that developing digital-based microfinance from a Sharia perspective has great potential to strengthen governance, increase inclusivity, and adapt to modern economic dynamics.
Co-Authors Amalia, Varissa B, Irwan Hani’atul Latifah, Nur Rahmadanie, Dhea