Peran Fintech Syariah dalam Meningkatkan Inklusi Keuangan di Indonesia
Keywords:
Sharia Fintech, Financial Inclusion, Regulation, Financial Literacy, Indonesian MSMEs
Abstract
Financial technology, or fintech, has transformed the global financial system, including Indonesia. Sharia fintech has emerged as an alternative that can meet public demand for fast, easy, and Sharia-compliant financial services. The purpose of this study is to examine how Sharia fintech contributes to increasing financial inclusion in Indonesia, particularly by targeting communities underserved by formal financial institutions. A descriptive-analytical method was used to investigate various regulations, fintech industry reports, and national financial inclusion data. The results show that Sharia fintech helps increase access to financial services through peer-to-peer financing, Sharia payment services, and Sharia-compliant digital banking. Sharia fintech also supports government programs to achieve financial inclusion by improving public financial literacy. However, several issues remain, such as regulation, digital literacy, and consumer protection. Sharia fintech has the potential to be a key driver in realizing an inclusive, equitable, and sustainable financial system in Indonesia. This can be achieved through strengthened regulations, public education, and Sharia-compliant product innovation.
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Zulfa Qur’anisa et al. 2024. “Peran Fintech Dalam Meningkatkan Akses Keuangan Di Era Digital.” GEMILANG: Jurnal Manajemen dan Akuntansi 4(3): 99–114.
Agustina, Refi, and Fita Nurotul Faizah. 2023. “Sharia Fintech: Opportunities and Challenges in Indonesia.” Journal of Islamic Economics (JoIE) 3(1): 61–75.
Annisa Yusmelia, Nanda Suryadi, and Hidayati Nasrah. 2024. “Pengaruh Literasi Keuangan Syariah, Pengetahuan, Kepercayaan Dan Kemudahan Terhadap Minat Menggunakan Financial Technology.” Jurnal Tabarru’ : Islamic Banking and Finance 7(November).
Arrazi, Muhammad Fakhrul. 2023. “Konsep Shariah Governance Pada Lembaga Keuangan Syariah.” MIZANUNA: Jurnal Hukum Ekonomi Syariah 1(2): 17–30.
Asri, Nafadzila Wahyuniar, and Harun Alrasyid. 2024. “Pengaruh Fintech Syariah Terhadap Peningkatan Inklusi Keuangan Bagi Pelaku UMKM.” Warta Ekonomi 7(1): 88–105.
Dinar Standard. 2022. “Global Islamic Fintech Report.” Global Islamic Fintech Report: 56. https://cdn.salaamgateway.com/special-coverage/islamic-fintech-2021/Global-Islamic-Fintech-Report-2021-Executive-Summary.pdf.
Faiz, Luthfi, Rahadatul Aisy, and Rosa Damai. 2025. “Peran Literasi Keuangan Digital Dalama Pemberdayaan UMKM Syariah.” MABISYAH 6(1).
Fauzi, Miftahul. 2024. “Dampak Dan Regulasi Fintech Terhadap Inklusi Keuangan Di Indonesia Miftahul Fauzi.” SANTRI : Jurnal Ekonomi dan Keuangan Islam 2.
Fidhayanti, Dwi, Mohd Shahid Mohd Noh, Ramadhita Ramadhita, and Syabbul Bachri. 2024. “Exploring The Legal Landscape of Islamic Fintech in Indonesia: A Comprehensive Analysis of Policies and Regulations.” F1000Research 13: 1–15.
Hidayat, Agus, and Miftahus Sururi. 2025. “Evaluasi Perkembangan Fintech Syariah Di Indonesia: Studi Pada Aspek Regulasi, Permodalan Dan Literasi Keuangan.” Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah 15(02): 90–100.
Huddin, Mohamad Hud Saleh, Mark Lee, and Mohd Sobri Mansor. 2022. “Fintech Brief: Nascent and on the Rise.” (September). chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://www.iadi.org/en/assets/File/Papers/Fintech Briefs/IADI Fintech Brief 11 - PIDM Islamic Fintech Final.pdf.
Ismamudi, Ismamudi, Gina B. Alcoriza, Marzuki Marzuki, and Maesya’ Bani. 2023. “Islamic Fintech and Financial Inclusion: Innovations for Sustainable Economic Empowerment.” DEAL: International Journal of Economics and Business 1(01): 54–60.
KILIÇ, Gökmen. 2023. “The Emergence of Islamic Fintech and Its Applications.” International Journal of Islamic Economics and Finance Studies (September).
Kolefiyan, Ihsyan, and Erwinda Anafih. 2023. “Peran Literasi Keuangan Islam Dan Inovasi Pengguna Dalam Menigkatkan Adopsi Fintech Serta Kinerja UMKM Di Kecamatan Matesih.” Jurnal Ekonomi Syariah dan Filantropi Islam 7(2).
Masyita Auliyah, and Andriani Samsuri. 2025. “Adopsi Financial Technology Oleh Bank Syariah Indonesia (BSI) Dalam Meningkatkan Inklusi Keuangan Syariah Di Era Digital.” Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 7(6): 2218–27.
OJK. 2023. “Laporan Perkembangan Keuangan Syraiah Indonesia.” Otoritas Jasa Keuangan: 1–23.
———. 2024a. Laporan Perkembangan Keuangan Syariah Indonesia (LPKSI). Jakarta. https://ojk.go.id/id/kanal/syariah/data-dan-statistik/laporan-perkembangan-keuangan-syariah-indonesia/Default.aspx.
———. 2024b. Statistik Reksadana Syariah. Jakarta. https://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/reksa-dana-syariah/Default.aspx.
phumzile Nhleko-Mtetwa, Ibrahim shaugee and et al. 2024. “Islamic Finance and Financial Inclusion: AFI Members’ Perspectives.” Alliance for Financial Inclusion (AFI) 23(2): 1–38.
Ridwanullah, Muhammad Ramdan, Ganis Khairulysa Prasetiyo, Sela Nur Aulia, and Raihani Fauziah. 2025. “Model Fintech Syariah Berbasis Edukasi Dan Securities Crowdfunding Untuk Meningkatkan Literasi Dan Inklusi Keuangan Dan Aktif Dalam Ekosistem Keuangan Syariah ( Yuliana & Safitri , 2021 ). Dalam Konteks Ini ,.”
Rozi, F, A R Safitri, S W Khowatim, and K Rochayatun. 2024. “Peran Financial Technology (Fintech) Syariah Dalam Perekonomian Negara Di Indonesia.” Jurnal Ilmiah Ekonomi Islam 10(02): 1668–74.
Ruhliandini, Putri. 2025. “Peran Fintech Syariah Dalam Mendorong Inklusi Keuangan Berbasis Digital.” Jurnal Dunamu 4(3).
Suci Marlina, Alen, and Nur Fatwa. 2021. “Fintech Syariah Sebagai Faktor Pendorong Peningkatan Inklusivitas Usaha Mikro Kecil Dan Menengah Di Indonesia.” Jurnal Tabarru’: Islamic Banking and Finance 4(2): 412–22.
Surbakti, Mhd Handika, and Mohamad Soleh Nurzaman. 2025. “Islamic Fintech Development Strategy in Indonesia: Analytic Network Process (ANP) Approach.” Ekonomi Islam Indonesia 6(2).
Toni, Ana et al. 2020. Fintech Syariah : Teori Dan Terapan. Scopindo Media Pustaka.
United Nations Development Programme (UNDP). 2023. Innovations in Islamic Finance: Digital Sukuk and Inclusive Growth. New York.
Vidiati, Cory, Abdy Ihdalumam, and Gilang Subagja. 2025. “Peluang Dan Tantangan Fintech Di Indonesia (Opportunities and Challenges of Fintech in Indonesia).” Jurnal Manajemen dan Ekonomi Syariah 3(1): 185–95.
World Bank. 2020. Publication: Leveraging Islamic Fintech to Improve Financial Inclusion. https://hdl.handle.net/10986/34520.
Yudhira, Ahmad. 2021. “Analisis Perkembangan Financial Technology (Fintech) Syariah Pada Masa Pandemi Covid-19 Di Indonesia.” Value 2(1): 13–28.
Yunita, Patria, Ahmad Ali, Muhammad Fahminuddin, and Sunan Hidayatullah. 2022. “Finansial Teknologi Syariah & Bank Digital: Kendala Dan Tantangan Pengembangan Fintech Syariah Di Indonesia.” Zhafir: Journal of Islamic Economics, Finance, and Banking 4(2): 113–42.
yusuf karim. 2025. “Regulasi Dan Implementasi Fintech Syariah Dalam Mendukung Inklusi Keuangan Berbasis Prinsip Syariah.” Jurnal Hukum Ekonomi Syariah 7.
Zulfa Qur’anisa et al. 2024. “Peran Fintech Dalam Meningkatkan Akses Keuangan Di Era Digital.” GEMILANG: Jurnal Manajemen dan Akuntansi 4(3): 99–114.
Published
2025-10-31
How to Cite
Elly lestari, & Cory Vidiati. (2025). Peran Fintech Syariah dalam Meningkatkan Inklusi Keuangan di Indonesia. Didaktik : Jurnal Ilmiah PGSD STKIP Subang, 11(04), 234 - 249. https://doi.org/10.36989/didaktik.v11i04.8487
Section
Articles
