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All Journal Journal of Community Engagement in Economics Journal of Shariah Economics
Laila Murningsih Novrian Wakhidah
Universitas Al - Hikmah Indonesia
Religion Economics, Econometrics & Finance Education Social Sciences Other

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Pengaruh Digitalisasi Keuangan Syariah Terhadap Inklusi Keuangan UMKM di Indonesia Laila Murningsih Novrian Wakhidah; Shelvyna Rikantasari; Mutammimatur Rahmah Ramadhana; Muhammad Izzudin Farhans
JOURNAL OF SHARIA ECONOMICS Vol 7 No 2 (2025): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i2.1279

Abstract

The digitalization of Islamic finance is growing rapidly in line with the increasing demand for inclusive, efficient, and sharia-compliant financial services. Micro, Small, and Medium Enterprises (MSMEs), as the backbone of the national economy, still face limited access to formal financial services. This study aims to analyze the impact of the digitalization of Islamic finance on the financial inclusion of MSMEs in Indonesia. The research method used a quantitative approach with a survey of MSMEs using digital Islamic financial services. Data were analyzed through validity, reliability, and linear regression tests. The results show that the digitalization of Islamic finance has a positive and significant impact on the financial inclusion of MSMEs. This finding indicates that the digitalization of Islamic finance contributes to the achievement of the maqasid sharia through increasing economic welfare.
Peningkatan Keterampilan Warga Desa Simo dalam Pengolahan Kedelai hingga Menjadi Produk Tempe Siap Konsumsi Zulfatun - Anisah; Agus Wahyu Irawan; Laila Murningsih Novrian Wakhidah
Journal of Community Engagement in Economics Vol 3 No 2 (2025): Journal of Community Engagement in Economics
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Al- Hikmah Indonesia - Jurnal Ekonomi Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jcee.v3i2.1196

Abstract

This community engagement program was implemented to address the issue of seasonal income instability experienced by the residents of Simo Village, most of whom rely on agriculture as their primary livelihood. Their economic condition becomes vulnerable during the non-harvest period, creating the need for alternative skills that can generate daily income. The program focused on enhancing the community’s ability to process soybeans into ready-to-consume tempeh—an activity that is easy to learn, requires low capital, and meets stable market demand. The main objective was to equip residents with technical skills in soybean processing while fostering the development of small household-based enterprises using local food resources. The activities employed the Asset-Based Community Development (ABCD) approach, emphasizing the identification, utilization, and strengthening of local assets through active community participation at every stage. The strategies included asset mapping, participatory planning, technical training on tempeh production, assistance in sanitation and marketing, and continuous evaluation. The results indicate a significant improvement in residents’ technical skills, the establishment of a tempeh producer group, behavioral changes related to hygiene and product quality, increased entrepreneurial motivation, and the emergence of local leaders who support program sustainability. Beyond providing direct economic benefits through daily income opportunities, the program also encouraged social transformation by strengthening social capital and fostering greater community self-reliance.
Co-Authors Agus Wahyu Irawan Muhammad Izzudin Farhans Mutammimatur Rahmah Ramadhana Shelvyna Rikantasari Zulfatun - Anisah