<![CDATA[Introduction: The advancement of digital financial technology has made Islamic fintech an increasingly relevant financial service option for Muslim communities, particularly MSMEs and groups with limited access to formal financial institutions. Nevertheless, digital convenience does not necessarily guarantee fairness, security, transparency, or user welfare. Objective: This study aims to explore how communities experience and interpret Islamic fintech and to examine the role of Maq??id al-Shar??ah in promoting financial inclusion and sustainable economic development. Method: A qualitative approach with an exploratory case study design was employed. Data were gathered through in-depth interviews, observations, and document analysis. Participants were selected using purposive sampling, while the collected data were examined through reflexive thematic analysis guided by the Maq??id al-Shar??ah perspective. Results: The analysis identified four major themes: accessibility of financial services, trust and transparency, user literacy and protection, and economic benefits and sustainability. The findings indicate that the availability of digital financial access does not necessarily lead to substantive financial inclusion. User experiences are also shaped by digital literacy, understanding of contracts, service security, information transparency, and infrastructure availability. Conclusion: Islamic fintech should therefore be assessed not merely in terms of Sharia compliance, but also through its Maq??id-based impact, particularly its ability to provide asset protection, fairness, accessibility, and tangible benefits for users. Strengthening financial literacy, transparency, user protection, and equitable access is essential to enhance the contribution of Islamic fintech to economic empowerment and sustainable development.]]>
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