Journal of Sharia Micro Enterprise and Cooperation
Journal Title Journal of Sharia Micro Enterprise and Cooperation DOI prefix 10.59784 by Crossref Frequency 2 Issues per year (January-June, July-December) ISSN Online (3089-9915) Editor in Chief Abderahman Rejeb Publisher Sekolah Tinggi Agama Islam Kuningan Indexing CROSSREF | SCILIT | COPERNICUS | GARUDA Citation Analysis GOOGLE SCHOLAR | DIMENSIONS Journal of Sharia Micro Enterprise and Cooperation is a double-blind peer-reviewed academic journal with open access, dedicated to research and discussions in multidisciplinary fields. The journal is published biannually by Sekolah Tinggi Agama Islam Kuningan (STAIKU). Journal of Sharia Micro Enterprise and Cooperation provides a platform for ongoing discussions on relevant issues within its focus and scope, particularly those that can be examined empirically. The Scope of Journal of Sharia Micro Enterprise and Cooperation Journal is: Development of Sharia Micro Enterprises Sharia Cooperatives Sharia Microfinance Empowerment of the Ummah’s Economy Innovation in Islamic Economy
Integrating Islamic Business Ethics And Digital Transformation To Enhance Msme Competitiveness
Background: The convergence of Islamic business ethics and digital transformation represents a critical but underexplored determinant of Micro, Small, and Medium Enterprise (MSME) competitiveness in Muslim-majority economies. Objective: This study investigates the individual and interactive effects of Islamic business ethics and digital transformation on MSME competitiveness in Indonesia. Method: Using a quantitative approach with moderated multiple regression analysis, data were collected from 215 MSME owners/managers across five Indonesian provinces through stratified random sampling. Results: Islamic business ethics (β = 0.387, p < 0.001) and digital transformation (β = 0.341, p < 0.001) each significantly and positively affect competitiveness. Their interaction term is also significant (β = 0.148, p = 0.002), indicating a synergistic moderating effect. The integrated model explains 64.1% of variance in competitiveness. Conclusion: MSMEs that simultaneously embed Islamic ethical principles and embrace digital transformation achieve superior and more sustainable competitiveness. Policymakers should design integrated halal-digital ecosystem programs, while sharia financial institutions should expand ethics-based digital literacy support for MSMEs.
Copyright (c) 2026 Journal of Sharia Micro Enterprise and Cooperation
Marketing Strategy for MSME Financing Products at Islamic Banks in Indonesia in the Digital Era
Background: The development of the digital era has brought significant changes to marketing strategies in the Islamic banking industry, particularly in Micro, Small and Medium Enterprise (MSME) financing products, yet empirical research specifically examining these strategies remains scarce. Objectives: This study aims to analyze the digital marketing strategies applied by Islamic banks in Indonesia to promote MSME financing products, identify the challenges faced, and formulate effective strategy recommendations. Methods: A sequential explanatory mixed-methods design was employed, beginning with a qualitative phase in-depth interviews with 12 Islamic bank practitioners used to inform a subsequent quantitative phase comprising a survey of 150 MSME customers; secondary data were drawn from annual reports of Indonesian Islamic banks, Bank Indonesia regulations, and Financial Services Authority (OJK) data from 2020–2024. Results: Islamic banks in Indonesia have implemented four digital marketing strategies social media marketing, mobile banking-based financial technology, digital content marketing, and digital customer relationship management (CRM) while facing significant challenges including limited digital literacy among MSME players, high operational costs of digital transformation, and regulatory complexity an integrated digital marketing strategy combining conventional and digital approaches was associated with a 43% increase in MSME financing product penetration compared to conventional methods alone. Conclusion: These findings contribute to filling a research gap concerning digital marketing strategies specifically tailored to MSME financing products within the Islamic banking context in Indonesia and offer practical implications for banks and regulators seeking to strengthen digital financial inclusion.
Sharia Banking Perspectives on Inflation And Economic Stability: Qualitative Insights And Policy Implications
Background: Inflation and economic instability remain major concerns in developing economies, including Indonesia. Inflation reduces purchasing power, increases production costs, affects household welfare, and creates uncertainty for financial institutions.. Indonesia’s Islamic banking sector has grown significantly, with assets exceeding IDR 800 trillion and a market share of approximately 7.5% of total national banking assets as of 2023, underscoring its increasing relevance as a stabilizing financial force in an inflation-prone economy. Objective: This study aims to examine inflation and economic stability from the perspective of sharia banking and to identify relevant policy implications for strengthening financial resilience in Indonesia. Methods: This study uses a qualitative literature review approach by synthesizing previous studies related to inflation, Islamic finance, monetary policy, sharia banking, digital finance, MSMEs, and macroeconomic uncertainty. Results: The findings show that inflation weakens purchasing power, increases business uncertainty, and affects financial performance. Sharia banking can contribute to economic stability through third-party fund mobilization, productive financing, ethical financial governance, and support for MSMEs. Eight thematic clusters were identified: inflation and welfare, banking performance risk, sharia banking and economic growth, MSME resilience, exchange rate dynamics, monetary policy coordination, digital financial transformation, and the Islamic finance ecosystem. Conclusion: Sharia banking can serve as a complementary pillar in Indonesia’s economic stability framework. Policy integration between monetary authorities, Islamic financial institutions, and real-sector development is needed to reduce inflationary pressure and strengthen inclusive economic resilience. This study contributes an integrative policy-relevant framework positioning sharia banking as an institutional actor in inflation mitigation and inclusive financial development in Indonesia.
The Role of Credit and Operational Risk on Banking Performance in State-Owned Banks: Empirical Insights from Indonesia
Backround: Banking performance influenced by various factor risks, in particular risk credit and risk operational, which has implications significant for stability banking finance and the economy national research​. Objective: This aim analyze role risk credit and risk operational to performance of state-owned banks in Indonesia through review literature empirical and systematic from various studies national and international. Method: The methods used is systematic literature review (SLR), reviewing publication between 2012–2026 which discusses management risk, bank profitability, return on assets (ROA), and mitigation strategies risk in context state banking. Results: Analysis results show that risk high credit​ impact directly on bank profitability and quality portfolio loans, while risk operational, including weakness internal systems and processes, potentially lower efficiency and stability institutions. Effective mitigation strategies covers strengthening core capital, implementation standard management strict risk, as well as innovation digital technology for support credit monitoring and management operational. Conlusion: Research This conclude that management risk credit and operations in a way integrated important For guard performance of state-owned banks, increasing resilience financial, and support growth economy national.
Impact of Rupiah Exchange Rate Fluctuations on Export-Import Performance: A Systematic Literature Review
Background: Rupiah exchange rate fluctuations against the US dollar play a critical role in Indonesia's export-import performance and overall economic stability. Depreciation may enhance export competitiveness but increase import costs, while appreciation has the opposite effect. Understanding these dynamics is essential for policymakers, businesses, and investors. Objective: This study aims to analyze the impact of rupiah exchange rate volatility on Indonesia's export and import performance, assess its effects on corporate profitability and stock returns, and examine financial and monetary strategies to mitigate associated risks. Method: A systematic literature review (SLR) was conducted, analyzing 30 relevant studies from 2022–2026 covering monetary policy, credit risk, macroeconomic stability, and financial strategies for MSMEs. Both empirical and theoretical literature were synthesized to provide a comprehensive overview. Result: Findings indicate that rupiah depreciation increases export competitiveness but pressures import costs and domestic prices. Exchange rate volatility significantly affects company profitability, stock returns, and banking sector performance, especially BPRs supporting MSMEs. Mitigation strategies, including adaptive monetary policy, soft loans, and digital financial solutions like QRIS, effectively reduce risks and stabilize financial outcomes. Conclusion: A comprehensive understanding of rupiah exchange rate fluctuations is crucial for optimizing trade performance and ensuring economic stability. Policymakers and businesses should implement adaptive strategies and leverage financial innovations to mitigate risks, enhance export competitiveness, and support sustainable economic growth.
Bridging Faith and Finance: A Comparative Study of Sharia-Compliant Microfinance Performance Across West Java
Financial inclusion remains critical globally, with 1.4 billion adults lacking formal financial services. In Indonesia, 49% of adults remain unbanked, particularly in rural areas. Islamic microfinance institutions offer Sharia-compliant alternatives for Muslims avoiding conventional finance, yet limited empirical evidence exists on comparative performance across models regarding financial sustainability, social impact, and Sharia compliance. This study compares financial and social performance of Islamic microfinance models (BMTs, BPRS, Islamic cooperatives) across West Java, examines Sharia compliance adherence, and identifies key performance determinants including institutional characteristics and regional contexts. A comparative cross-sectional study across Western and Eastern West Java analyzed quantitative and qualitative data from representative samples. Financial metrics, social outreach indicators, and Sharia compliance measures were examined to identify performance determinants and regional disparities. Significant regional disparities emerged, with Western institutions demonstrating superior financial sustainability and outreach. Institutional age, staff capacity, and authentic Sharia compliance were key performance determinants. Dual-mission tension exists between financial sustainability and poverty outreach, with larger loans improving financial performance but potentially reducing poorest client focus. Findings provide empirical evidence on Islamic microfinance performance variations, emphasizing context-specific strategies, human capital development, and authentic Sharia governance importance for achieving both financial sustainability and social objectives in diverse regional settings.
Copyright (c) 2025 Journal of Sharia Micro Enterprise and Cooperation
Abd Al-Malik Ibn Marwan's Economic Reform: The Influence of Standard Currency in the Umayyad Caliphate
Backround: Abd al-Malik ibn Marwan, the Umayyad caliph who ruled from 685 to 705 CE, is recognized as a pivotal figure in the economic history of early Islamic civilization. Objective: This study examines the nature, process, and long-term consequences of his monetary reforms, with particular emphasis on the standardization of gold dinars and silver dirhams as the official currency of the Umayyad Caliphate. Method: This article employs a qualitative-historical methodology, drawing on primary classical sources and contemporary scholarly literature. Findings and Implications: These reforms addressed chronic problems of inflation, monetary fragmentation, and fiscal instability that had adversely affected trade and state administration. By establishing uniform weight standards and replacing Byzantine and Sasanid coins with distinctly Islamic currency bearing Quranic inscriptions, Abd al-Malik created a monetary system that facilitated interregional commerce, reinforced Islamic political identity, and enhanced confidence in the caliphate's financial institutions. Conclusion: The analysis demonstrates that Abd al-Malik's currency reforms constituted a foundational contribution not only to Umayyad economic governance but also to the broader trajectory of Islamic economic thought and practice.
The Development of The Indonesian Taxation System amid a Fiscal Crisis (an Analysis of Abu Yusuf's Thought)
Low levels of tax compliance, inequality in tax contributions, and suboptimal tax management, particularly in the informal sector and the digital economy, pose significant challenges to the Indonesian tax system amid the fiscal crisis. This study aims to analyze Abu Yusuf's thoughts on developing the Indonesian tax system, particularly in addressing problems during the fiscal crisis. This study employs a qualitative approach, utilizing a literature review method, to examine Abu Yusuf's thoughts as presented in the Book of al-Kharaj, as well as other literature that discusses the implementation of the tax system in Indonesia. The results of the study indicate that the principle of justice in tax collection, as put forward by Abu Yusuf, such as progressive taxes adjusted to the community's ability and transparency in tax management, are relevant to be applied in the Indonesian tax system. Therefore, it is recommended that the Indonesian government introduce a more progressive tax policy that prioritizes the informal sector, increases transparency, and enhances the digitalization of the tax system to create a fairer and more efficient tax system. In the context of the ongoing fiscal crisis, implementing a more progressive tax policy that includes the informal sector, supported by digitalization of the tax system, can broaden the tax base while increasing taxpayer compliance.
Study of the Concept of Ashabiyah Ibnu Khaldun in the Development of Human Resources for Modern Economic Development
Ibn Khaldun, as one of the early figures in the disciplines of economics, sociology, and the philosophy of history, emphasized the importance of integrating spiritual, social, and intellectual values in the human development process. Process. In Muqaddimah, he describes the relationship between the quality of human resources, social cohesion (asabiyyah), the education system based on adab, and the state’s role in creating a sustainable civilization. This research aims to examine Ibn Khaldun's thoughts on human resource development (HRD) and relate them in the context of the modern economic development paradigm. This research employs a qualitative approach, utilizing the method of literature study and critical analysis. The study found that Ibn Khaldun's thought is very highly relevant to addressing the challenges of human resource development in the era of globalization. The results of the study reveal that the integrative model between Ibn Khaldun's thought and modern economics comprises seven main pillars: transcendental values, holistic education, social cohesion, lifelong learning, a balanced role of the state and the market, a multidimensional measurement system, and fair institutional governance. Thus, this research recommends an approach to human resource development that is not merely economically oriented, but also integrates moral, social, and spiritual aspects to create sustainable and civilized development.
The Paradigm of Economic Justice from Abu 'Ubaid's Perspective and Its Relevance in Indonesia
This study examines the relevance of Abu Ubaid's Islamic economic thought, particularly as presented in his seminal work, Kitab al-Amwal, to the concept of economic justice in the Indonesian context. The research aims to examine how his principles—rooted in justice, public finance, zakat distribution, and state responsibility—can be applied to modern economic governance in a Muslim-majority country. Using a qualitative approach with a library research method, the study analyzes primary and secondary literature, including classical texts and contemporary journal articles from scholarly databases such as Scopus and ProQuest. The findings highlight four key ideas in Abu Ubaid’s philosophy: justice as the core principle of economic order, wealth distribution based on need, state-managed public finance for societal welfare, and balanced taxation respecting all citizens' rights and obligations. These principles align with Indonesia’s constitutional goals, especially Article 33 of the 1945 Constitution, which emphasizes equitable efficiency and economic democracy. However, the study notes that current zakat administration and fiscal practices in Indonesia have not fully realized Abu Ubaid’s ideals. The research contributes theoretically to Islamic economics by contextualizing classical thought in a modern nation-state and offers practical implications for policymakers. It underscores the need to integrate classical Islamic values—such as just taxation and state accountability—into Indonesia’s fiscal strategy to promote social justice, reduce poverty, and support sustainable development.
Strengthening Islamic Financial Literacy through Product Innovation in The Era of Globalization: A Qualitative Literature Study from The Perspective of Islamic Economics
This new era of digital connectivity has made information more accessible, but also highlighted challenges such as disparities in digital literacy and access to technological resources. In Indonesia, the gap in Islamic financial literacy remains a significant barrier to the optimal growth of the Islamic financial industry. Despite increasing access to information, understanding of Islamic financial products remains low. Amidst globalization and the overwhelming flow of information, product innovation is crucial for enhancing public interest and knowledge of Islamic financial services. These innovations include product simplification, the integration of digital technology, and the incorporation of Islamic values into product design and promotion. This study aims to examine the strategy of strengthening Islamic financial literacy through product innovation in response to the challenges of the globalization era, using a qualitative literature review approach from an Islamic economic perspective. The findings indicate that the low level of Islamic financial literacy in Indonesia remains a significant obstacle to the optimal development of the Islamic financial industry. In the context of globalization, product innovation is crucial to increasing the attractiveness and public understanding of Islamic financial services. This research also emphasizes the importance of the role of Islamic financial institutions, the government, and relevant authorities in providing sustainable, collaborative education based on Islamic values. Strengthening Islamic financial literacy will promote public participation in the Islamic financial system and enhance the economic resilience of the ummah both nationally and globally.
Sharia Cooperatives as a Means of Community Economic Empowerment: A Case Study on Microenterprise Cooperatives in West Java
This research discusses the role of Islamic cooperatives in community economic empowerment, especially for micro-enterprise cooperatives in West Java. The global economy, which is facing challenges of inequality and poverty, encourages the importance of community-based empowerment, one of which is through Islamic cooperatives that provide solutions to access financing based on sharia principles. The purpose of this study is to analyze the role of Islamic cooperatives in community economic empowerment, explore the challenges and opportunities of Islamic cooperative management, and its impact on the welfare of cooperative members. This research uses a qualitative approach with descriptive methods. Data were obtained through in-depth interviews, observation, and documentation of Islamic cooperatives in West Java. The results show that Islamic cooperatives can increase access to financing for micro businesses, but are faced with the challenges of suboptimal financial management and a lack of understanding of sharia principles among members. The implications of this research suggest managerial improvement and technology utilization in the management of Islamic cooperatives to improve transparency, efficiency, and sustainability of cooperatives in the future.
The Social Role of Cooperatives in Residents' Economic Empowerment: A Qualitative Study in the Cirebon Traditional Fishermen Community
Traditional fishing communities are among the most economically vulnerable groups, especially amidst the pressures of climate change, limited market access, and the dominance of middlemen. In the midst of these challenges, cooperatives are present as an alternative economic institution that has the potential to strengthen the bargaining power and solidarity of coastal communities. This study aims to examine the social role of cooperatives in the process of economic empowerment of traditional fishing communities in Cirebon. The method used is qualitative with a case study approach, through in-depth interviews, participatory observation, and documentation of active cooperative members. The results show that cooperatives not only function as providers of access to capital, but also as reinforcers of social solidarity, spaces for democratic participation, and means of local economic transformation that reduce dependence on middlemen. Cooperatives encourage collective behavioral change and shape a more equitable socio-economic structure. The implications of this research support the development of community-based policies and the expansion of social-based cooperative models to improve the economic resilience of coastal areas. In addition, this study opens up opportunities for further research on cooperative digitalization and adaptive cooperative models in the era of a sustainable maritime economy.
The Effect of Entrepreneurial Competence and Family Support on the Success of Women's Microenterprises in Sindang Kasih Village
Women's micro-enterprises in rural Indonesia play an important role in promoting family economic resilience, but still face various structural and social constraints. Lack of entrepreneurial competence and low family support are two main factors that hinder the success of women's micro-enterprises, especially in Sindang Kasih Village. This study aims to analyze the influence of entrepreneurial competencies and family support on the success of women's micro-enterprises in the region. The method used is a quantitative approach with a causal associative research design. The sampling technique used was a saturated sample technique, with a total of 35 female micro-entrepreneurs as respondents. Data collection was conducted through questionnaires, limited interviews, and documentation, with data analysis using multiple linear regression and classical assumption tests. The results showed that both entrepreneur competence and family support had a positive and significant effect on the success of women's micro businesses partially and simultaneously. The coefficient of determination of 0.629 indicates that the two independent variables explain 62.9% of the variation in business success. This research provides an important contribution to the development of gender and family-based microenterprise empowerment models, and can serve as a reference in designing local policies and training programs that are more contextual and inclusive in the future.
The Effect of Product Innovation and Marketing Networks on Increased Micro Business Income
Micro businesses have a vital role in supporting the national economy, but still face challenges in increasing income due to lack of product innovation and limited marketing networks. This study aims to analyze the effect of product innovation and marketing networks on increasing micro business income in Cirebon City. The method used is a quantitative approach with probability sampling technique, involving 65 respondents of micro business actors. Data analysis techniques include classical assumption test, multiple linear regression, coefficient of determination, as well as t test and F test. The results showed that both product innovation and marketing network had a positive and significant effect on micro business income, with a simultaneous contribution of 71.2%. The implications of these findings indicate the importance of a combination of innovative strategies and the expansion of marketing networks in driving the financial performance of micro enterprises. This research provides practical contributions for MSME actors as well as theoretical implications for strengthening the concept of innovation and marketing integration in the context of micro-entrepreneurship.
Relationship between Risk Management and Microenterprise Sustainability in the Creative Economy Sector
This study aims to analyze the relationship between risk management and sustainability of micro businesses in the creative economy sector. This study used a quantitative method with an associative approach and cross-sectional design to collect data from 40 micro-enterprise respondents in the creative economy sector in Cirebon. Data were collected through questionnaires and in-depth interviews, and analyzed using multiple linear regression, multicollinearity test, heteroscedasticity, coefficient of determination (R²), and hypothesis testing. The results show that risk management has a significant effect on microenterprise sustainability, with a regression coefficient of 2.00, indicating that improvements in risk management can increase microenterprise sustainability. The t-test and F-test showed strong significance on the risk management variable. The implications of this study provide insights to micro merchants and policy makers on the importance of better risk management implementation, as well as how technology can play a role in risk mitigation. This study also contributes to the development of risk management theory and opens room for further research on the role of digitalization in microenterprise risk management.
Challenges and Opportunities for Sharia Cooperatives in Encouraging the Growth of Sharia MSMEs in the Digital Era
Digital transformation has become an important factor in increasing economic competitiveness, especially for Islamic MSMEs facing increasingly fierce global competition. However, Islamic cooperatives, which act as the main drivers of Islamic MSMEs in Indonesia, still face various challenges in adopting digital technology. This study aims to analyze the challenges and opportunities faced by Islamic cooperatives in driving the growth of Islamic MSMEs in the digital era. A qualitative approach with a descriptive method was used in this study, with data collected through in-depth interviews and literature studies. The research sample consisted of Islamic cooperative administrators and Islamic MSME managers involved in the digitalization process in various regions of Indonesia. The results of the study show that Islamic cooperatives face significant challenges in terms of infrastructure, digital literacy, and access to financing for digital transformation. However, digitalization also offers great opportunities for Islamic cooperatives to improve operational efficiency, expand market access, and provide faster services for Islamic MSMEs. The conclusion of this study shows that a strategic partnership between Islamic cooperatives, the government, and digital financial institutions can be a solution to overcome barriers to digitalization and maximize the potential of Islamic MSMEs in Indonesia.
sharia cooperatives, sharia MSMEs, digitalization, opportunities and challenges, economic growth
Copyright (c) 2024 Journal of Sharia Micro Enterprise and Cooperation
Performance of Sharia Cooperatives in Supporting Micro Business Development: Perspective of Sustainability and Financial Inclusion
Sharia cooperatives have an important role in expanding financial access and supporting the sustainability of micro-enterprises, especially in communities that prioritize sharia values. However, many micro-enterprises still have difficulty accessing conventional financing, thus hampering their development. This study aims to analyze the performance of sharia cooperatives in supporting the development of micro-enterprises through the perspective of sustainability and financial inclusion. The study used a quantitative method with a survey involving 200 sharia cooperatives as samples. The research instrument was a questionnaire with a Likert scale to measure various performance indicators of sharia cooperatives, sustainability of micro-enterprises, and financial inclusion. The results of the study showed that sharia cooperatives contributed significantly to the sustainability of micro-enterprises, especially through a more lenient profit-sharing financing system. In addition, sharia cooperatives are also able to increase financial inclusion in the unbanked community by providing flexible financial access. Regression analysis shows a positive relationship between the performance of sharia cooperatives and the sustainability of micro-enterprises and financial inclusion. In conclusion, sharia cooperatives not only provide financing but also support the empowerment of a more inclusive and sustainable micro-economy.
performance of Islamic cooperatives, micro-enterprises, sustainability, financial inclusion, Islamic financing
Development Product Inclusive Islamic Finance for Push Growth of MSMEs in Rural Areas
Study This aiming for develop product finance inclusive sharia​ use support growth of Micro, Small, and Medium Enterprises (MSMEs) in rural areas. MSMEs play a role important in Indonesian economy, especially in the region’s rural areas. However, access they to service finance sharia Still limited consequence low literacy finance, limitations infrastructure, and perception that cost service sharia taller compared to product conventional. Research This use method survey and interview deep towards MSMEs in several rural areas for identify need as well as obstacles faced. Research results show that the majority of MSMEs in rural areas will consider service finance sharia If product the more easily accessible and affordable. Recommendations proposed policy​ includes literacy programs finance sharia, incentives for institution finance sharia in rural areas, and development product digital based. Research This give guide practical for taker policies and institutions finance in to design product finance sharia that supports inclusion finance and improve welfare rural economy.​
Inclusion finance, products finance sharia, rural UMKM, literacy finance, policy finance
Effectiveness Mentoring Sharia Cooperatives in Increase Literacy Finance for Micro Business Actors
Study This aiming for evaluate effectiveness of mentoring programs cooperative sharia in increase literacy finance for perpetrator business micro in Indonesia. Approach quantitative descriptive used with method survey of 150 actors’ business micro that has been accept mentoring for at least six months in some city large in Indonesia, including Jakarta, Bandung, Surabaya, Yogyakarta, and Medan. The results of the study show improvement significant in literacy finance, which includes understanding base about management finance, skills recording cash flow, and planning term long. Analysis statistics descriptive and paired sample t-test revealed improvement literacy finance by 20% to 25% after assistance, with variations influenced by factors​ access technology and support infrastructure in the area urban and also rural. Research this also found that cooperative sharia plays a role important in provide education appropriate financial​ with needs and characteristics perpetrator business micro. However, the challenges like limitations internet access and power companion in rural areas Still need overcome for optimize program effectiveness. Recommendations main study This is expand digital access and improve training for companion cooperative sharia use support improvement literacy and sustainability business micro in a way more area. Findings This give contribution for development policy cooperative in strengthen inclusion and literacy finance among​ perpetrator business micro in Indonesia.
cooperative sharia, literacy finance, actors’ business micro, mentoring, inclusion finance, Indonesia
The Role of Sharia Cooperatives in Increase Welfare Members and Society in the Digital Age
Digitalization cooperative Sharia in Indonesia offers potential big in increase welfare economic and social its members, especially in limited areas access service finances. Research This aiming for analyze impact digitalization to welfare member cooperative sharia and society surrounding areas, as well as identify factors success in implementation digital technology. Research use method survey descriptive with approach quantitative, involving 200 members cooperative sharia from various regions that have adopt digital services. Research results show that digitalization cooperative sharia impact significant on increasing income members, efficiency operational, and satisfaction members. In addition, that, digitalization expands inclusion finance, with improvement amount member cooperative by an average of 20-25% in rural areas. However, there are challenges, such as low digital literacy and limitations infrastructure in several area. Implications from study This push importance support government in form training digital literacy and improvement infrastructure in remote areas. Study This conclude that digitalization cooperative sharia play role important in support inclusion finance and well-being members in the digital era. It is hoped that research This can become reference for maker policy and practitioner’s cooperative in optimize potential cooperative sharia through digital innovation.
Digitalization, cooperatives sharia, welfare economy, inclusion finance, digital literacy, Indonesia