Didaktik : Jurnal Ilmiah PGSD STKIP Subang
Vol. 12 No. 01 (2026): Volume 12 No. 01, Maret 2026 Release

INTEGRASI FINTECH SYARIAH BERBASIS ESG TERHADAP KEBERLANJUTAN UMKM HALAL DI INDONESIA: PERSPEKTIF MAQASHID SYARIAH

Ade Ruslan Hidayat (Institut Madani Nusantara)
Linda Hindriana (Institut Madani Nusantara)
Risna Nurul Insani (Institut Madani Nusantara)
Regina Maurizka Rifada (Institut Madani Nusantara)
Wida Hartika (Institut Madani Nusantara)



Article Info

Publish Date
27 Jan 2026

Abstract

This study investigates the integration of Sharia-based financial technology (Fintech) with ESG (Environmental, Social, and Governance) principles to support the sustainability of halal MSMEs (Micro, Small, and Medium Enterprises) in Indonesia from the perspective of Maqashid Sharia. The research addresses the challenges faced by halal MSMEs in accessing financial resources, adopting sustainable practices, and complying with ethical and Sharia standards. The study aims to analyze how ESG-based Fintech solutions can enhance business continuity, financial inclusion, and ethical compliance of halal MSMEs. A qualitative approach was employed, combining literature review, case studies of selected halal MSMEs, and in-depth interviews with stakeholders, including business owners, Fintech providers, and regulatory authorities. The results indicate that integrating Sharia Fintech with ESG principles contributes positively to the long-term sustainability of halal MSMEs by providing easier access to compliant financing, promoting responsible business practices, and aligning operational goals with Maqashid Sharia values. Furthermore, stakeholders perceive that ESG-oriented Fintech platforms enhance trust, improve risk management, and strengthen social and Environmental responsibility within halal business ecosystems. The study concludes that the integration of Sharia Fintech and ESG frameworks is an effective strategy for fostering resilient and sustainable halal MSMEs in Indonesia, offering implications for policymakers, practitioners, and investors seeking to support ethical and sustainable entrepreneurship.

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Journal Info

Abbrev

didaktik

Publisher

Subject

Education

Description

Didaktik : Jurnal Ilmiah PGSD STKIP Subang adalah salah satu jurnal yang dterbitkan oleh STKIP Subang, jurnal ini mempunyai bidang cakupan yaitu Penelitian Pendidikan. Terbit pada bulan Juni dan Desember setiap tahunnya. Didaktik : Jurnal Ilmiah PGSD STKIP Subang melalui proses review oleh dua ...