Penguatan Peran Fintech Syariah Dalam Mendukung Pembiayaan  UMKM Halal: Kajian Konseptual Berbasis  Ekosistem Ekonomi Syariah

Muhammad Majduddin; Nina Dwi Setyaningsih

doi:10.51339/nisbah.v7i1.4716

Authors

Muhammad Majduddin Universitas Kyai Abdullah Fakih (UNKAFA) Gresik,
Nina Dwi Setyaningsih UIN Maulana Malik Ibrahim Malang

DOI:

https://doi.org/10.51339/nisbah.v7i1.4716

Keywords:

Fintech Syariah, UMKM Halal, Ekosistem Ekonomi Syariah, Digital Trust

Abstract

Perkembangan industri halal global memiiki tren signifikan dan menempatkan sebagai sektor strategis dalam perekonomian dunia. Indonesia, sebagai negara dengan populasi Muslim terbesar, memiliki peluang besar dalam penguatan industri halal nasional, namun UMKM halal masih menghadapi keterbatasan akses pembiayaan, literasi keuangan syariah, dan kemampuan digital. Penelitian ini bertujuan membangun kerangka konseptual terkait peran fintech syariah dalam mendukung pembiayaan UMKM halal berbasis ekosistem ekonomi syariah. Pendekatan yang digunakan adalah kajian konseptual dengan analisis isi dan pemetaan tematik pada literatur ilmiah, laporan lembaga resmi, serta dokumen kebijakan terkait. Hasil kajian menunjukkan bahwa fintech syariah tidak hanya berfungsi sebagai penyedia pembiayaan, namun juga sebagai orkestrator nilai yang mengintegrasikan pembiayaan berbasis syirkah, kepatuhan syariah dan literasi digital.

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