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Purniadi Putra
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INDONESIA
Southeast Asia Journal of Graduate of Islamic Business and Economics
Published by Institut Agama Islam Sultan Muhammad Syafiuddin Sambas
ISSN : -     EISSN : 28300335     DOI : https://doi.org/10.37567/sajgibe.v2i1.2262
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Jurnal SAJGIBE terbit tiga kali setahun. Artikel harus ditulis dalam bahasa Inggris dan Indonesia, jurnal peer-review, dan mengkhususkan diri pada Ekonomi Islam. Semua makalah, artikel penelitian yang masuk ke jurnal online ini akan direview oleh 2 (dua) reviewer. Setelah naskah dikirimkan oleh penulis melalui proses pengiriman online, editor jurnal menyaring manuskrip dan memutuskan apakah akan mengirimkannya untuk tinjauan sejawat penuh atau tidak. Hanya setelah menyelesaikan penyaringan awal, naskah dikirim ke satu atau lebih peninjau sejawat. Akhirnya, editor jurnal atau dewan editorial jurnal mempertimbangkan laporan peer reviewer dan membuat keputusan akhir untuk menerima atau menolak manuskrip untuk diterbitkan. Artikel penelitian yang diterima akan tersedia secara online.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 81 Documents
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The Effectiveness Of Sharia Fintech Securities Crowdfunding (Scf Syariah) For Business Capital For Santripreneurs In Indonesia Alfi, Rian
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 5 No. 1 (2026): May
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v5i1.5190

Abstract

This study analyses the effectiveness of Sharia Securities Crowdfunding (SCF Syariah) as an innovative solution to the capital constraints faced by santripreneurs in Indonesia. Using a Systematic Literature Review (SLR) covering the period 2020–2025, this study evaluates strategic opportunities and fundamental barriers within the pesantren ecosystem. The findings indicate that Sharia SCF possesses a competitive advantage due to its alignment with the principle of ta’awun and the implementation of profit-sharing contracts such as Mudharabah and Musyarakah, which are free from riba. However, its growth is hindered by low digital financial literacy among santri in developing business projections, regulatory gaps regarding information disclosure standards, and limited technological infrastructure in remote areas. This study concludes that Sharia SCF, through Mudharabah and Musyarakah contracts, is an innovative instrument aligned with the principle of ta’awun within the pesantren ecosystem. Although santripreneurs hold a strategic position in producing global commodities, the effectiveness of this financing remains hindered by low digital financial literacy and regulatory limitations regarding human resource standardisation and investor protection. Therefore, the success of Sharia SCF requires systemic readiness and stakeholder synergy to mitigate the risks of information asymmetry and strengthen the business accountability of Islamic boarding schools.

Page 9 of 9 | Total Record : 81

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