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This Author published in this journals
All Journal Income: Innovation Of Economics And Management Islamic Economics and Business Review (IESBIR) Business and Economic Publication
Erizal Candra Efendi
Universitas Islam Negeri (UIN) Imam Bonjol Padang
Religion Economics, Econometrics & Finance Social Sciences

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Strategy to Optimize Sharia Financial Management as an Instrument to Improve the Performance of Halal MSMEs in West Sumatra Erizal Candra Efendi; Ruri Mustika
INCOME: Innovation of Economics and Management Vol. 5 No. 2 (2025): October
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/income.v5i2.6295

Abstract

This study examines the optimization of sharia financial management as a strategy to enhance the performance of halal small and medium enterprises in West Sumatra. The background of the research is the limited financial literacy, low utilization of formal sharia financing products, and lack of standardized financial reporting among halal SMEs, which hinder their growth and competitiveness. The study aims to analyze how financial literacy, financing utilization, and transparency in reporting contribute to improving operational efficiency and compliance with sharia principles. The research employs a qualitative descriptive approach, using data collected through interviews, observations, and documentation from halal SMEs in West Sumatra. The findings reveal that financial literacy serves as the foundation for effective management, enabling SME owners to understand and utilize sharia-compliant financing. The utilization of formal sharia financing is still low, and standardized reporting is maintained by only a small portion of SMEs, limiting both internal management and access to external funding. The study also finds that integrating literacy, financing access, and transparent reporting creates a synergistic effect that significantly enhances performance, operational efficiency, and stakeholder trust. The conclusions indicate that optimizing sharia financial management is essential for promoting sustainable growth, compliance with sharia principles, and long-term viability of halal SMEs in West Sumatra. This research provides practical implications for policymakers, financial institutions, and SME support agencies to design targeted interventions that improve literacy, facilitate financing access, and implement transparent reporting systems.
Bibliometric Mapping of Publications on Digital Transformation and Adaptation of Sharia-Based Household Economics in Indonesia Erizal Candra Efendi; Indah Permata Sari; Fitriani Fitriani; Hafni Juniyanti Hsb
INCOME: Innovation of Economics and Management Vol. 5 No. 3 (2026): February
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/income.v5i3.6945

Abstract

The development of digital technology has reshaped patterns of economic activity, including scholarly discussions on Muslim household economics in Indonesia. This study aims to map and describe the research landscape on digital transformation and the adaptation of Sharia-based household economics in Indonesia by examining publication trends, collaboration structures, and thematic orientations. Using a bibliometric approach, data were retrieved from Scopus, Dimensions, Garuda, and Google Scholar, covering the period 2013–2024. After screening and deduplication, publications were included in the analysis. Bibliometric mapping and performance analysis were conducted using VOSviewer and Biblioshiny. The results indicate a steady increase in publications from 2016, with a peak in 2023. Co-authorship analysis reveals growing research collaboration, characterized by increasingly interconnected and multidisciplinary author networks. Co-word and thematic analyses identify digital economy, Islamic finance, and Sharia-based household economics as dominant and interrelated themes, reflecting the main directions of scholarly attention in this field. Citation and keyword network structures suggest that research has increasingly focused on the intersection of digital innovation and Islamic economic principles. Overall, this study maps the evolution and structure of the literature on digital transformation and Sharia-based household economics in Indonesia. The findings provide a systematic overview of research trends and collaboration patterns, offering a reference point for future empirical, theoretical, and policy-oriented studies in digital Islamic economics.
Implementasi Layanan Fintech Syariah Dalam Meningkatkan Akses Pembiayaan UMKM: Studi Kasus Kabupaten Padang Pariaman Erizal Candra Efendi; Hafni Juniyanti Hsb
Business and Economic Publication Vol. 4 No. 1 (2026): Business and Economic Publication
Publisher : Fakultas Ekonomi Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/bep.v4i1.1754

Abstract

This study discusses the implementation of sharia fintech services in increasing access to financing for MSMEs in Padang Pariaman Regency amidst limited capital, low financial literacy, and the complexity of conventional financing procedures. The novelty of the study lies in the analysis of the integration of sharia principles with digital technology in the context of semi-rural MSMEs and the direct experiences of users of sharia fintech services. The study uses a descriptive qualitative approach with data collection techniques including in-depth interviews, field observations, and documentation. Twelve research informants were selected purposively based on their direct involvement in the use and management of sharia fintech services. The informants consisted of seven MSMEs who had used sharia fintech services for at least one year, three representatives of sharia fintech platforms actively channeling financing to MSMEs in West Sumatra, and two officials from the Cooperatives and MSMEs Office of Padang Pariaman Regency who were involved in micro-enterprise empowerment programs. Data analysis was conducted using the interactive model of Miles and Huberman through the stages of data reduction, data presentation, and conclusion drawing. While data validity was tested through source and technique triangulation. The research findings show that Islamic fintech can improve access to financing for MSMEs through fast digital processes, simple requirements, and flexible services. User trust is built through Sharia compliance, margin transparency, and the presence of a Sharia Supervisory Board. However, low digital literacy and a limited understanding of contracts remain major barriers to service utilization. This study concludes that Islamic fintech has the potential to expand financial inclusion for MSMEs if supported by digital education, strengthening Sharia contract literacy, adequate technological infrastructure, and synergy between local governments and Islamic fintech service providers.
Analisis Dampak Sertifikasi Halal terhadap Kepercayaan Konsumen dan Pertumbuhan Ekonomi UMKM Erizal Candra Efendi; Ruri Mustika; Wildan Hadi
Islamic Economics and Business Review Vol 4 No 2 (2025): IESBIR, December 2025
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v4i1.12918

Abstract

This study examines the impact of halal certification on consumer trust and the economic growth of Micro, Small, and Medium Enterprises (MSMEs) in Padang, Pekanbaru, Medan, and Bengkulu. The research aims to identify how halal certification influences consumer perceptions, loyalty, and the expansion of MSME markets. A qualitative approach was employed, using in-depth interviews and documentation from 32 MSMEs across the four cities. The findings reveal that halal certification significantly enhances consumer trust in product quality, hygiene, and compliance with Islamic principles. Increased trust leads to higher customer loyalty, repeated purchases, and recommendations, which in turn boost MSME revenues and market share. Additionally, MSMEs that actively utilize halal certification in marketing strategies experience greater visibility and opportunities for domestic and international market expansion. Halal certification thus serves not only as a religious compliance requirement but also as a strategic instrument for sustainable economic development of MSMEs. The study contributes to the field of economics and business by demonstrating the practical benefits of certification in enhancing consumer confidence and supporting MSME growth. Keywords: Halal Certification; MSME Growth; Market Expansion; Economic Development
Co-Authors Fitriani Fitriani Hafni Juniyanti Hsb Hafni Juniyanti Hsb Indah Permata Sari Ruri Mustika Wildan Hadi