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Muhammad Zakiy
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Fakultas Agama Islam, Universitas Muhammadiyah Yogyakarta, Gedung F6 Lantai 2, Jl. Brawijaya, Geblagan, Tamantirto, Kasihan, Bantul, Yogyakarta, 55183
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INDONESIA
Journal of Islamic Economic and Business Research
Published by Universitas Muhammadiyah Yogyakarta
ISSN : 27981207     EISSN : 27981304     DOI : https://doi.org/10.18196/jiebr
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Journal of Islamic Economic and Business and Research is a scientific journal which has specialization of research in Islamic Economic and Business Research. Islamic Economic and Business Research is strategic issues in the world because its role and benefit to societies. Therefore, this issue need more deelpy extractive through a research. We hope that JIEBR can collect all of researchers or academicians to contribute their ideas as a solution to increase the developing of Islamic Economic and Business research in this world. Research publications in JIEBR covers various topics about Islamic Economics, Islamic Philanthropy, Halal Industry, Islamic Finance, Islamic Business Management, Entrepreneurship, and other relevant topics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 91 Documents
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Digital Islamic Finance, Halal Value Chains, and Financial Inclusion among Halal MSMEs in Aceh Nur Syarifatul Isra; Malahayatie
Journal of Islamic Economic and Business Research Vol. 6 No. 1: June 2026
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v6i1.609

Abstract

This study examines the effect of Digital Islamic Finance on the Financial Inclusion of halal Micro, Small, and Medium Enterprises (MSMEs) in Aceh, Indonesia, with the Halal Value Chain serving as a moderating variable. The study aims to determine whether Digital Islamic Finance enhances access to formal financial services among halal MSMEs and whether the Halal Value Chain strengthens this relationship. A quantitative approach was employed using data collected from 300 halal MSMEs in Aceh. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to evaluate the relationships among the proposed constructs. The findings reveal that the Halal Value Chain has a positive and significant effect on Financial Inclusion and that Digital Islamic Finance positively influences the Halal Value Chain. However, Digital Islamic Finance does not directly affect Financial Inclusion. The moderation analysis indicates that the Halal Value Chain significantly strengthens the relationship between Digital Islamic Finance and Financial Inclusion. These results suggest that digital Islamic financial services are more effective in promoting financial inclusion when supported by a well-developed halal business ecosystem. This study contributes to the growing literature on Islamic finance and financial inclusion by providing empirical evidence from a regional Islamic economic context. The findings imply that policymakers should strengthen halal ecosystem development, while Islamic financial institutions should expand digital financial services tailored to halal MSMEs. In addition, MSME stakeholders are encouraged to enhance their integration into halal value chain networks to improve access to formal financial services and support sustainable business growth.

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