Putri Purwandari Hasan
Politeknik Negeri Ujung Pandang

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Analysis of the Potential and Implementation of Digital Sharia Financing for the Empowerment of Fisherwomen A Blue Economy Study in South Sulawesi Indrawan Azis; Putri Purwandari Hasan; Laode Arahman Nasir
Tazkia Islamic Finance and Business Review Vol. 19 No. 2 (2025): TIFBR
Publisher : Faculty of Islamic Business and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v19i2.446

Abstract

Women fishers play a strategic role in contributing to the coastal economy, engaging in activities ranging from production and processing to distribution and marketing of marine products. However, they continue to face significant barriers in accessing formal sources of financing due to limited collateral assets, low levels of financial literacy, and inadequate access to financial technology in coastal areas. The development of Islamic financial technology, or sharia fintech, presents an opportunity to provide a fair, inclusive, and Sharia-compliant financing system. This study aims to analyze the potential and implementation of a digital-based Sharia financing model for women fishers in South Sulawesi within the framework of a sustainable blue economy. The research adopts a qualitative approach with a case study conducted in Pangkajene and Islands Regency, South Sulawesi. Data were collected through semi-structured interviews with groups of women fishers and administrators of Islamic financial institutions, particularly Islamic cooperatives operating within coastal communities. Data analysis was conducted using thematic analysis, assisted by NVivo 12 Pro software. The results indicate that most women fishers are still in the early stages of the innovation diffusion process—specifically, the knowledge and persuasion stages—thus the utilization of Sharia fintech remains limited. Nevertheless, the potential for adopting Sharia fintech is promising if supported by continuous education, institutional mentoring, and the integration of empowerment programs based on the blue economy. This study recommends the development of an integrated digital Sharia financing model aligned with coastal women’s economic empowerment programs to strengthen financial inclusion in support of a sustainable blue economy.
PRODUCTIVE WAQF MODEL FOR WOMEN FISHERS’ EMPOWERMENT: INSIGHTS FROM COMMUNITY-BASED DEVELOPMENT AND MAQASHID SHARIA Putri Purwandari Hasan; Nurul Fitrah Islamiah; Asmirawati
Berkala Akuntansi dan Keuangan Indonesia Vol. 11 No. 1 (2026): Berkala Akuntansi dan Keuangan Indonesia
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/baki.v11i1.87329

Abstract

Women fishers play an important role in supporting the coastal economy. However, the productivity of women fishers is still relatively low due to limited business capital, production facilities, and  sustainable institutional support. Productive waqf as an Islamic financial instrument is considered strategic because it can provide access to interest-free capital, is in line with maqashid sharia and blue economy principles, and ensures sustainable benefits for women fishers. Therefore, this study aims to design a productive waqf model for women fishers' empowerment by integrating the concepts of community-based development and maqashid sharia principles. The research was conducted using a qualitative approach and case study method in a community of women fishers in a coastal area in South Sulawesi. Data were collected through semi-structured interviews and focus group discussions with groups of women fishers and sharia cooperative managers in the area. The results of data collection were then analyzed thematically using Nvivo 15 software. The results of the study show that there are  major obstacles that limit the productivity of women fishers, namely limited capital, limited means of production, and low bargaining power. Institutional support through sharia cooperatives plays an important role in the distribution of business capital, the provision of means of production, increasing production capacity, and strengthening community solidarity. The output of this study is a conceptual model of community-based productive waqf that contributes to the development of Islamic economics and blue economy literature in Indonesia The research was conducted using a qualitative approach and case study method in a community of women fishers in a coastal area in South Sulawesi. Data were collected through semi-structured interviews and focus group discussions with groups of women fishers and sharia cooperative managers in the area. The results of data collection were then analyzed thematically using Nvivo 15 software. The results of the study show that there are  major obstacles that limit the productivity of women fishers, namely limited capital, limited means of production, and low bargaining power. Institutional support through sharia cooperatives plays an important role in the distribution of business capital, the provision of means of production, increasing production capacity, and strengthening community solidarity. The output of this study is a conceptual model of community-based productive waqf that contributes to the development of Islamic economics and blue economy literature in Indonesia.