<![CDATA[This study aims to analyze the role of the banking sector in enhancing economic stability in Madura Island, particularly through financial inclusion, financial technology (fintech) adoption, and the integrity of financial reporting. This research employs a qualitative approach with an exploratory case study design involving banking practitioners, MSMEs, and local government officials. Data were collected through semi-structured interviews, focus group discussions (FGD), and document analysis. The results indicate that the banking sector plays a significant role in expanding financial access for MSMEs, improving business productivity, and reducing dependence on informal financing sources. Furthermore, the integration of fintech and the improvement of financial literacy have been proven to broaden the reach of banking services and increase transaction efficiency through digital payment systems. Government policy support also strengthens the effectiveness of banking in maintaining regional economic stability.]]>
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