ANALISIS PENGGUNAAN FINTECH SYARIAH TERHADAP PENGEMBANGAN UMKM BERBASIS HALAL

Puti Khairani Rijadi; Triana Zuhrotun Aulia; Azhar Azhar; Sulaiman Efendi Siregar; Syahril Syahril

doi:10.34127/jrlab.v15i2.2394

Authors

Puti Khairani Rijadi Universitas Muhammadiyah Bekasi Karawang
Triana Zuhrotun Aulia Universitas Muhammadiyah Tangerang
Azhar Universitas Islam Aceh
Sulaiman Efendi Siregar UIN Syahada Padangsidimpuan
Syahril Universitas Islam Depok

DOI:

https://doi.org/10.34127/jrlab.v15i2.2394

Keywords:

Islamic Fintech, Halal MSMEs, Islamic Economy, Islamic Financing, Digital Transformation

Abstract

The development of digital financial technology has encouraged the emergence of Islamic fintech as an alternative financial service that aligns with Islamic principles. The presence of Islamic fintech is one solution to address various problems faced by Micro, Small, and Medium Enterprises (MSMEs), particularly halal-based MSMEs, which often experience limited access to financing and financial services. This study aims to analyze the use of Islamic fintech in the development of halal-based MSMEs and identify the benefits and challenges faced in its utilization. The study used a qualitative approach with a descriptive research type. Data were collected through in-depth interviews, observation, and documentation of halal-based MSMEs utilizing Islamic fintech services. Data analysis was carried out through data reduction, data presentation, and conclusion drawing using triangulation techniques to ensure data validity. The results show that Islamic fintech makes a positive contribution to the development of halal-based MSMEs through easier access to financing, accelerated transaction processes, increased financial management efficiency, and expanded market opportunities. The use of transparent and usury-free Islamic contracts is a key factor encouraging MSMEs to utilize Islamic fintech services. Furthermore, Islamic fintech plays a role in strengthening the halal economic ecosystem by more effectively connecting the Islamic financial sector and the real sector. However, the utilization of Islamic fintech still faces various obstacles, such as low digital and Islamic financial literacy, limited technological infrastructure, and concerns about the security of digital transactions. Therefore, increased education, strengthened regulations, and digital infrastructure development are needed to optimize the role of Islamic fintech in supporting the growth of halal-based MSMEs. This study concludes that Islamic fintech has significant potential as an economic empowerment instrument that can increase the competitiveness and desire of halal MSMEs in Indonesia.

References

Adipurno, S. (2025). Peran Ekonomi Digital Islam Dan Fintech Syariah Dalam Mendukung Masyarakat Lokal. Jurnal Ekonomi Dan Bisnis, 17(1), 52–56.

Agustiyani, V. P., Renaldo, R., & Baza, I. (2025). Inovasi Teknologi Keuangan Syariah Melalui Fintech Syariah , Digitalisasi Layanan Dan Crowdfunding Halal Di Era Digital ( Studi Kasus Di Bank Riau Kepri Syariah Provinsi Riau ). Jafm, 6(3), 1569–1580.

Akbar, A. (2024). Analisis Penerapan Fintech Pada Umkm Di Kota Medan. Jurnal Manajemen Terapan Dan Keuangan, 13(3), 806–820.

Alim, M. N., Marasabessy, R. H., & Solihin, R. (2022). Literasi Peran Fintech Dan Bisnis Digital Syariah Untuk Penguatan Ekonomi Umat. I-Com: Indonesian Community Journal, 2(2), 79–88.

Anggraini, W., Meflinda, A., & Fitri, A. (2026). Peningkatan Kapasitas Umkm Halal Melalui Ekosistem Digital Syariah Dan Literasi Fintech Islami. Dinamisia: Jurnal Pengabdian Kepada Masyarakat, 10(2), 377–391.

Huda, M. I. (2024). Sharia Fintech Business Analysis At Pt . Indonesian Sharia Fund Analisis Bisnis Fintech Syariah Pada Pt . Dana Syariah Indonesia. Jurnal Mediasas: Media Ilmu Syari’ah Dan Ahwal Al-Syakhsiyyah, 7(1), 121–135. Https://Doi.Org/10.58824/Mediasas.V7i1.123

Huda, N. (2025). Integrasi Teknologi Finansial Syariah Dan Inklusi Keuangan Digital Di Indonesia : Analisis Dampak Terhadap Umkm 2021 – 2025. Jurnal Keislaman Terateks, 10(2), 86–96.

Hutabarat, A. S., Muztahidin, M., & Fatmasari, D. (2026). Fintech Syariah Sebagai Penggerak Pertumbuhan Industri Halal Nasional. Al Mudayanah: Journal Of Islamic Economics And Finance, 2(1), 50–62. Https://Doi.Org/10.64845/Al-Mudayanah.V2i1

Ifa, K. R., & Anwar, K. (2025). Inovasi Digitalisasi Pembiayaan Syariah : Solusi Akses Sertifikasi Halal Umkm. Iqtisad, 1(2), 200–221.

Khasanah, N., & Vidiati, C. (2025). Peran Fintech Syariah Dalam Pemberdayaan Umkm Halal Di Era Ekonomi Digital. J-Ceki : Jurnal Cendekia Ilmiah, 4(6), 2743–2753.

Khoirurrozikin, M. L., Harum, M., Azahra, N., & Niquyza, J. E. (2026). Halal Digital Economy : Membangun Ekosistem Ekonomi Islam Berbasis Teknologi. Jibema: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, Dan Akuntansi, 3(4), 275–289.

Masitoh, S. (2026). Integrasi Teknologi Digital Dan Fintech Syariah Dalam Mendorong Inklusi Keuangan Umat Di Era Ekonomi Digital. Tashfir Terateks: Jurnal Ekonomi & Bisnis Syariah, 2(1), 110–121.

Nurazizah, T., & Vidiati, C. (2025). Peran Fintech Syariah Dalam Mendorong Pertumbuhan Ekonomi Umat Di Era Digitalisasi Keuangan. Sentri: Jurnal Riset Ilmiah, 4(10), 2737–2749.

Prawana, I., Yusri, D., & Sakdia, K. (2024). Peran Literasi Keuangan Dan Fintech Syariah Dalam Mendorong Inklusi Keuangan Pada Pelaku Umkm. Jurnal Ekonomi Dan Keuangan Syariah, 3(3), 16–34.

Putri, H. F., Musa, A., & Hasnita, N. (2024). Analisis Swot Pemanfaatan Transaksi Digital Terhadap Pengembangan Umkm Di Kota Banda Aceh Dalam Perspektif Ekonomi Syariah. Integrative Perspectives Of Social And Science Journal, 2(3), 5574–5591.

Rohmah, S. (2025). Analisis Perkembangan Dan Tantangan Fintech Syariah Di Indonesia Dalam Meningkatkan Inklusi Keuangan Dan Literasi Keuangan. Istikhlaf: Jurnal Ekonomi, Perbankan Dan Manajemen Syariah, 7(2), 322–341. Https://Doi.Org/10.51311/Istikhlaf.V7i2.1149

Saputra, I. R., Nurfitriani, N., & Ananti, W. M. (2026). Gamification Dan Edukasi Fintech Syariah Untuk Pemahaman Investasi Halal Gen Z. Quranomic: Jurnal Ekonomi Dan Bisnis Islam, 5(1), 1–8.

Sari, L. P. (2023). Model Pembiayaan Syariah Berbasis Teknologi Dalam Mendukung Pengembangan Industri Halal. Jurnal Ilmiah Ekonomi Islam, 9(1), 300–306.

Widarti, M., Putri, D. S., & Sari, Y. (2026). Pengaruh Pembiayaan Bank Syariah Terhadap Pertumbuhan Umkm Halal Di Indonesia. Jurnal Ilmiah Ekonomi Bisnis Dan Akuntansi, 3(1), 289–296.

Yarli, D. (2018). Analisis Akad Tijarah Pada Transaksi Fintech Syariah Dengan Pendekatan Maqhasid. Jurnal Pemikiran Hukum Dan Hukum Islam, 1(2), 1–9.