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At-Tawazun, Jurnal Ekonomi Syariah
Published by Sekolah Tinggi Agama Islam Sangatta Kutai Timur
ISSN : 23548436     EISSN : 30258421     DOI : https://doi.org/10.55799/tawazun.v12i01.495
Core Subject : Religion, Economy, Humanities, Education, Social,
Religion Humanities Economics, Econometrics & Finance Education Social Sciences
Ekonomi Syariah, Perbankan dan Keuangan Syariah, Akuntansi Syariah, Pemikiran Ekonomi Islam, Manajemen Sumber Daya Manusia Syariah, Filantropi Islam (Zakat, Infaq, Shodaqoh dan Wakaf), Etika Bisnis dan Kewirausahaan Syariah, Pemasaran Syariah, Topik lain yang berkaitan dengan ekonomi Islam.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 72 Documents
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FINTECH SYARIAH DALAM MANAJEMEN KEUANGAN MIKRO: TINJAUAN KONSEPTUAL TERHADAP INKLUSI KEUANGAN DIGITAL Dina Lutfiatunnisa, Farah; Septiani Putri, Adelia; Addini Magfiroh, Sabrina; Avrilia, Diva; Nuraulia, Maya; Rahman, Rahman
At-Tawazun, Jurnal Ekonomi Syariah Vol. 13 No. 02 (2025): December
Publisher : Ekonomi Syariah STAI Sangatta Kutai Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55799/tawazun.v13i02.805

Abstract

Advances in digital technology have transformed financial management practices, including those within Islamic finance. This study examines the role of sharia-compliant financial technology (fintech) in strengthening microfinance management and enhancing digital financial inclusion in Indonesia. Using a qualitative approach supported by a conceptual review, the study highlights the connection between Islamic ethical values and technological innovations implemented in Islamic microfinance institutions (MFIs). Sharia fintech not only facilitates financial transactions but also serves as an instrument for promoting an ethical, transparent, and equitable financial system aligned with sharia principles. The findings indicate that integrating sharia fintech with MFIs can broaden access to financial services, particularly for underserved communities and micro-entrepreneurs who often encounter barriers to formal financing. Despite these benefits, several challenges remain, such as regulatory gaps, limited digital literacy, and concerns over data security. Therefore, strong collaboration between the government, financial institutions, and technology sector stakeholders is essential to ensure that sharia fintech grows sustainably and delivers meaningful social and economic benefits to society.
ANALISIS EFEKTIVITAS PENGELOLAAN DANA DESA (KAJIAN IMPLEMENTASI DAN REALISASI DANA DESA, DESA CANDRA JAYA, MERAUKE) Parman, Parman; Ismail, Ismail; TPM Djanggo, Romualdus; Aji Wijaya, Wahyu; N. Lutfiah, Mirfa
At-Tawazun, Jurnal Ekonomi Syariah Vol. 13 No. 02 (2025): December
Publisher : Ekonomi Syariah STAI Sangatta Kutai Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55799/tawazun.v13i02.867

Abstract

The main purpose of village fund management is to support village development, economic empowerment and the implementation of village government. The expected output is the realization of a strong, independent and prosperous village. This research focuses on three main aspects, namely the planning of Village Fund expenditure, the effectiveness of the use of Village Fund, and the impact of Village Fund expenditure on community welfare which includes the fields of income, education, health, and infrastructure. The research method used is a qualitative descriptive approach with data collection techniques through observation, interviews, and documentation, and uses interactive data analysis which includes data reduction, data presentation, and conclusion drawn. The findings show that the management of the Village Fund has been running effectively and in accordance with the work plan, with the realization of the budget reaching 100% every year. The Village Fund has a positive impact on improving community welfare, especially through infrastructure development, improving education and health services, and community empowerment. However, the productive economic empowerment program still needs to be improved so that the benefits of the Village Fund can be felt more evenly and sustainably.

Page 8 of 8 | Total Record : 72

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