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All Journal Paradigma : Journal of Science, Religion and Culture Studies Jurnal Indo-Islamika Holistik: Journal For Islamic Social Sciences Al-Mustashfa Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Journal of Economics and Business UBS Jurnal Pengabdian kepada Masyarakat Jurnal Pengabdian Mandiri Journal of Mathematics Instruction, Social Research and Opinion JURNAL ECONOMINA Jurnal Perbankan Syariah Darussalam (JPSDa) Journal of Islamic Economics Lariba Economics Studies and Banking Journal Journal of Sharia Accounting and Tax (JSAT Multidiscience: Journal of Multidisciplinary Science Jurnal Kajian Ekonomi dan Perbankan Syariah Cirebon International Journal of Economics and Business Academia Open Contemporary Islamic Economic and Business Review Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi (JEBIMAN)
Sri Rokhlinasari
UIN Siber Syekh Nurjati Cirebon
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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Analysis of the Distribution and Sharia Compliance of Bank Muamalat’s Kuningan Branch “Soleh” (Hijrah Gold Solution) Product in the Digital Age Ela Nurlaela; Siti Aisah; Sri Rahayu; Misbahul Khoer; Sri Rokhlinasari; Septian Haerisma, Alvien
JURNAL ECONOMINA Vol. 5 No. 4 (2026): JURNAL ECONOMINA, April 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i4.1998

Abstract

This study aims to analyze the distribution mechanism and sharia compliance of the Solusi Emas Hijrah (SOLEH) product at Bank Muamalat in the digital era. The research uses a qualitative descriptive approach with a case study design. Data were collected through in-depth interviews, documentation, and literature studies, and analyzed using data reduction, data display, and conclusion drawing techniques. The results show that the gold financing mechanism through SOLEH is conducted using murabaha and rahn contracts, both manually and digitally through the Muamalat DIN application. From a sharia perspective, the implementation has complied with the principles set by DSN-MUI and international standards, including asset ownership, price transparency, and contract clarity. The use of digital systems in this product also reflects the concept of constructive possession (qabd hukmi). However, continuous supervision is required to minimize potential uncertainty risks. This study contributes to the development of digital Islamic financial services while maintaining sharia compliance.
Islamic fintech, financial inclusion, and MSME sustainability: Evidence from a mixed-method study in Indonesia’s digital economy Widagdo, Ridwan; Rokhlinasari, Sri; Wartoyo, Wartoyo
Journal of Islamic Economics Lariba Vol. 12 No. 1 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss1.art11

Abstract

IntroductionMicro, Small, and Medium Enterprises play a critical role in economic development, employment generation, and inclusive growth, particularly in developing countries. Despite their importance, many MSMEs face persistent barriers in accessing formal financial services, which limits their ability to sustain and scale their businesses. The emergence of Islamic financial technology offers an alternative pathway by providing digital, sharia-compliant financial services that can enhance financial inclusion and support sustainable business practices.ObjectivesThis study aims to analyze the role of Islamic fintech in improving financial inclusion and its impact on MSME sustainability. It also examines the mediating role of financial inclusion in the relationship between Islamic fintech and sustainable MSME performance within a digital business environment.MethodThe study employs a mixed-method approach using a sequential exploratory design. Qualitative data were collected through in-depth interviews with MSME stakeholders in Region III Cirebon, Indonesia, while quantitative data were obtained from 96 MSMEs using structured questionnaires. The analysis combines qualitative thematic interpretation with quantitative modeling using Structural Equation Modeling with Partial Least Squares to test the proposed relationships among variables.ResultsThe findings indicate that Islamic fintech has a positive and significant effect on financial inclusion, while financial inclusion significantly enhances MSME sustainability. The results also confirm that financial inclusion mediates the relationship between Islamic fintech and MSME sustainability, suggesting that the impact of Islamic fintech operates indirectly through improved access to financial services. Qualitative findings further reveal that sustainable MSME models emphasize digital transformation, institutional support, and integration of economic and social practices.ImplicationsThe study highlights the importance of strengthening Islamic fintech ecosystems to improve financial access and support MSME sustainability. It also underscores the need for policies that promote financial literacy, digital readiness, and regulatory support to maximize the benefits of fintech adoption.Originality/NoveltyThis research contributes to the literature by providing empirical evidence on the mediating role of financial inclusion in the relationship between Islamic fintech and MSME sustainability. It offers a comprehensive perspective by integrating qualitative and quantitative approaches within the context of a developing economy.
Co-Authors Aan Jaelani Abdul Azis Abdul Aziz Abdul Aziz Abdul Rohman Adi Hidayat Ahmad Sihabuddin Alvien Septian Haerisma Alya Shafiyah Amaliya Tri Rahmadani Anton Sudrajat Aris Budiman Asti Adhariyah Febriyanti Ayus ahmad Yusuf Candri Candri Daniel Happy Putra Dewi Astuti Deyanti Deyanti Diana Djuwita Ela Nurlaela Elkoshly, Salim evi eriyanti Fitriani, Hilda Hikam Muhtadi Zuhdi imam maulana, imam Ishlaahi, Citra Nuur Khamidah Kusuma, Nurul Rahmah Layaman Layaman, Layaman Lestari, Mila Tiara Makmuri Ahdi Maria Jamilah Muhaimin, Rizal N. Nurjanah Navilah, Ila NINING WAHYUNINGSIH Nining Wahyuningsih Nur Eka Setiowati, Nur Eka Nurmeinda Fikihana Rahayu, Fitri Desiyani Rahmadani, Dina Rahmalia, Dea Ridwan Widagdo Ridwannudin, Muhammad Ririn Nurnovita Sari Shidik Hamka Ghozali SITI AISAH Soviana, Dina SRI RAHAYU Surasa, Danil Teguh Saputra Tia Latifah Trisa Anggraeni Wartoyo Wartoyo Wartoyo