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All Journal Al-Kharaj: Journal of Islamic Economic and Business Jurnal Ilmu Perbankan dan Keuangan Syariah
Antong
Muhammadiyah University of Palopo
Economics, Econometrics & Finance

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The Influence Of Economic Digitalization On The Productivity Of Micro, Small, And Medium Enterprises (MSMES) In Palopo City Nurul citra pratiwi; Antong; Muh Yusuf Q
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.8110

Abstract

This study aims to analyze the influence of economic digitalization on the productivity of Micro, Small, and Medium Enterprises (MSMEs) in Palopo City. Digitalization includes the use of digital platforms.e-commerceand social media play a vital role in improving operational efficiency and expanding the market reach of MSMEs. Using quantitative methods and questionnaire data collection, this study involved 80 MSME respondents in Palopo. The analysis showed that the use of social media platformse-commerceand social media have a significant positive impact on MSME productivity. Furthermore, MSMEs that adopt digital technology have recorded increased turnover and operational efficiency, despite still facing obstacles such as low digital literacy and inadequate technological infrastructure. limited. The implications of research results regarding the influence of the platformecommerceand social media on the productivity of MSMEs in Palopo City shows that digital transformation is a crucial factor in increasing business competitiveness and efficiency.
The Role Of Sharia Fintech In Supporting Sustainable Finance In Islamic Banks In Palopo Fajrullah; Rahmawati; Antong
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i2.335.234-251

Abstract

This study aims to evaluate the extent to which Sharia-based financial technology (fintech) services influence financial sustainability in Islamic banking institutions within Palopo City. The focus is on three key services: Sharia peer-to-peer lending, Sharia crowdfunding, and Sharia e-wallet. A quantitative approach was employed using purposive sampling, involving 50 employees from three selected Islamic banks. Data were collected via questionnaires and analyzed using SPSS version 25. The statistical analysis reveals that all three fintech services significantly impact sustainable finance. Sharia P2P Lending has a t-value of 3.015 (p = 0.004), Sharia Crowdfunding 2.032 (p = 0.048), and Sharia E-Wallet 2.850 (p = 0.007). Simultaneously, the variables influence sustainable finance with an F-value of 33.304 and a significance level of 0.001. These findings confirm that synergy between fintech and Islamic principles enhances operational efficiency, transparency, and inclusive financial access. The practical implication is that Islamic banks should maximize Sharia fintech to support transactions and financing in line with sustainability goals. Academically, this study contributes to the discourse on digital Islamic finance and can serve as a reference for policymakers aiming to strengthen the foundations of sustainable finance through Sharia-compliant technological innovation. This study also fills a gap in the literature by providing empirical insights at the local level, which is often overlooked in broader analyses. The results highlight the importance of local institutional readiness and literacy in determining the success of Sharia fintech adoption. Future research is encouraged to incorporate customer perspectives and expand geographically to improve generalizability
Co-Authors Fajrullah Muh Yusuf Q Nurul citra pratiwi Rahmawati