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All Journal El-Fata: Journal of Sharia Economics and Islamic Education Wasīlah: Journal Of Sharia Sciences
Fajriatussaadah, Nurul
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Religion Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Implications of Islamic Fintech in the Macroeconomy: A Comparative Study of Indonesia and Malaysia Fajriatussaadah, Nurul; Zaenuri, Wahab; Murtadho, Ali
El-Fata: Journal of Sharia Economics and Islamic Education Vol. 4 No. 2: OKTOBER 2025
Publisher : Fakultas Agama Islam Universitas Cokroaminoto Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61169/el-fata.v4i2.363

Abstract

This study examines the role of Islamic fintech in driving macroeconomic growth through a case study of Indonesia and Malaysia. The key issue addressed is how Islamic fintech strengthens financial inclusion, reduces economic inequality, and enhances economic stability through Sharia-compliant financing. The research aims to analyze the impact of Islamic fintech on macroeconomic indicators, such as Gross Domestic Product (GDP) growth and unemployment reduction, while comparing its implementation in both countries. Using a qualitative approach with a case study method, primary and secondary data were collected through online documentation and literature analysis. The findings reveal that Islamic fintech significantly supports MSMEs, enhances financial inclusion, and improves resource allocation efficiency. Malaysia excels in its Islamic financial ecosystem, while Indonesia shows substantial potential due to its large Muslim population. This research contributes novelty by exploring the macroeconomic impacts of Islamic fintech and providing strategic recommendations for its future development.
ANALYSIS OF MONEY UTILIZATION IN THE PERSPECTIVE OF ISLAMIC ECONOMICS: CASE STUDIES AND THEIR IMPLICATIONS Fajriatussaadah, Nurul; Ali Murtadho; Wahab Zaenuri
Wasīlah: Journal Of Sharia Sciences Vol. 2 No. 1 (2026): Februari
Publisher : Wasīlah: Journal Of Sharia Sciences

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Abstract

This study examines the role of money within the framework of Islamic economics and analyzes how Sharia principles influence its utilization in real economic activities. Using a qualitative literature-based approach supported by scholarly books, journal articles, and institutional documents, the research also incorporates comparative case studies from Malaysia, Saudi Arabia, and Indonesia. The findings reveal that Islamic economics views money not merely as a medium of exchange but as an instrument that carries social responsibility and ethical obligations. The application of Sharia principles such as the prohibition of riba, the promotion of risk-sharing, and the encouragement of asset-backed transactions demonstrates the potential to enhance sustainable economic growth, strengthen financial stability, and promote social justice. Although the three countries share common foundational values regarding the function of money in Islamic economic practice, variations in regulatory frameworks and economic priorities lead to different macroeconomic impacts. Nevertheless, all three cases converge on a similar objective: fostering equitable, ethical, and sustainable economic welfare in line with their respective socioeconomic contexts. Keywords : money usage; sharia principles; dan macroenomomic
Co-Authors Ali Murtadho Ali Murtadho Wahab Zaenuri Zaenuri, Wahab