<![CDATA[This research develops an integrated Islamic financial management model to enhance micro-enterprise sustainability through system dynamics analysis and optimization modeling approaches. A systematic literature review method with PRISMA framework was applied to analyze 25 relevant studies from Scopus database spanning 2020-2025, focusing on Islamic financial principles integration, system dynamics applications, and micro-enterprise sustainability optimization. Research findings identify five key components of Islamic financial system dynamic structure: Mudharabah financing based on profit-loss sharing, Musyarakah financing with partnership equity, transparent Murabahah financing, zakat-waqf implementation as automatic redistribution, and Islamic risk management through collective risk sharing. The S-I4.0 framework integrating Industry 4.0 with sustainability was successfully adapted for Islamic context through spiritual and ethical dimensions addition. Model validation demonstrates that Islamic fintech integration with dynamic systems enhances micro-enterprise resilience, where perceived behavioural control and perceived moral obligation become significant predictors of financial management behavioural intentions. The developed integrated model successfully accommodates complex trade-offs between financial, social, and environmental objectives while maintaining Shariah compliance. Practical implications include developing accessible Islamic financial technology infrastructure, supportive regulations for technology-Shariah integration, and standardization of Islamic financial literacy scales for international comparability.]]>
Copyrights © 2025
