<![CDATA[Purpose – This study analyzes a sharia financial-based financial safety net strategy for small-scale coastal fishermen in Central Java Province through the Sharia Financial-Based Fishermen's Financial Safety Net Program in strengthening the economic resilience of small-scale coastal fishermen. Design/methodology/approach – This study employs a qualitative descriptive approach integrated with the Business Model Canvas (BMC) framework to design and evaluate the proposed financial safety net model. The study relies exclusively on secondary data obtained from policy documents, academic literature, institutional reports, and related publications. The data were analyzed thematically and mapped into the nine components of the BMC. Finding/Results – The findings indicate that the Sharia Financial-Based Fishermen's Financial Safety Net Program operates through fishermen cooperatives (KUD Mina) as intermediary institutions that provide financial literacy, savings facilitation, financial management assistance, sharia-compliant financing access, debt advisory services, livelihood diversification support, psychosocial assistance, and institutional strengthening. These integrated support mechanisms improve financial capability, reduce economic vulnerability, and strengthen the livelihood resilience of small-scale coastal fishermen. The effectiveness of the program depends on stakeholder commitment, institutional coordination, and collaboration among government agencies, cooperatives, Islamic financial institutions, social finance institutions, universities, and fishing communities. Originality/Value – This study proposes a sharia financial-based financial safety net model for small-scale coastal fishermen by integrating financial inclusion, Islamic social finance, and livelihood resilience. The model supports the development priorities of the Central Java RPJPD 2025–2045 and RPJMD 2025–2029 in promoting coastal economic empowerment, poverty reduction, and sustainable maritime development. The findings offer practical implications for policymakers, fishermen cooperatives, and Islamic financial institutions in strengthening financial inclusion and economic resilience in coastal communities.]]>
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