JAWI : Journal of Ahkam Wa Iqtishad
Vol. 4 No. 3 (2026): JAWI - SEPTEMBER

Transformation of Sharia Microeconomics in the Digital Era Integration of Maslahah, MSMEs, and Sharia Finance

Afdhol Rinaldi (Universitas Islam Negeri Sultan Syarif Kasim Riau)
Dhiya Dwi Afifah (Universitas Islam Negeri Sultan Syarif Kasim Riau)



Article Info

Publish Date
29 Sep 2026

Abstract

Digital transformation in economic activities has changed the way consumers, producers, micro and small businesses, and Islamic financial institutions interact. This article analyzes the transformation of the Islamic micro-economy in the digital era by integrating the concepts of maslahah, ethical market behavior, MSME empowerment, and Islamic finance innovation. This study uses a qualitative literature review with a descriptive-analytical approach, drawing on books and scientific publications as secondary data sources. The literature shows that digitalization can reduce transaction costs, expand market access, facilitate financial inclusion, and strengthen MSME development. However, digital transactions also present challenges, including information asymmetry, gharar, digital literacy, data security, halal assurance, and sharia compliance. This article proposes a maslahah-oriented ecosystem that uses digital technology to benefit consumers, producers, MSMEs, Islamic financial institutions, platforms, regulators, and halal institutions. Thus, transforming the sharia microeconomy must ensure that technological efficiency remains aligned with justice, transparency, halal principles, and social benefits.

Copyrights © 2026






Journal Info

Abbrev

jawi

Publisher

Subject

Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Other

Description

This journal publishes original articles on current issues and trends occurring in recent developments related to Islamic law and Islamic economics with the aim of advancing our knowledge of the theory and practice of Islamic Law and Islamic ...