Strategi Inovasi Produk Keuangan Syariah untuk Meningkatkan Inklusi Finansial

Ainun Nufus; Natasya Natasya; Mas Munfasiroh; Rasidah Novita Sari

Article Details

Strategi Inovasi Produk Keuangan Syariah untuk Meningkatkan Inklusi Finansial

Authors:

Ainun Nufus | Natasya Natasya | Mas Munfasiroh | Rasidah Novita Sari

Publisher:

Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Main Topics:

Religion | Decision Sciences, Operations Research & Management | Economics, Econometrics & Finance

Journal:

Santri : Jurnal Ekonomi dan Keuangan Islam Vol.2 Issue mi, pp.0-0

Document Type:

Article

Publication Date:

1/2024

Document Language:

English

Document ID (Org No.):

2001899143

pISSN:

3025-7948

Abstract:

 This study aims to analyze strategies for product innovation in Islamic finance to enhance financial inclusion, a significant challenge in countries with large Muslim populations such as Indonesia. The research employs a qualitative approach, utilizing data from various literature sources, including academic journal articles, reports from Islamic financial institutions, and government regulations. The findings reveal that Islamic financial product innovation can be categorized into new product development, digital technology adoption, improvement of Islamic financial literacy, and cross-sectoral collaboration. Products such as microfinance based on Sharia contracts, digital waqf savings, and technology-driven Takaful insurance exemplify innovations aligned with modern societal needs. Additionally, Islamic fintech platforms have expanded financial access for remote communities, despite challenges such as low digital literacy and limited infrastructure. Islamic financial literacy emerges as a crucial element influencing public trust and participation in formal financial systems. In practice, cross-sector collaboration among Islamic financial institutions, governments, and the technology sector serves as a strategic approach to address regulatory barriers, competition with conventional sectors, and inconsistent global standards. This study recommends strengthening regulations, enhancing financial literacy, developing inclusive digital technologies, and fostering international cooperation to support the sustainable growth of the Islamic finance sector. With integrated strategies, Islamic finance holds significant potential not only to improve financial inclusion but also to create a fairer, more inclusive financial system that aligns with Islamic values in the modern era.

Article Details

Strategi Inovasi Produk Keuangan Syariah untuk Meningkatkan Inklusi Finansial

Authors: Ainun Nufus | Natasya Natasya | Mas Munfasiroh | Rasidah Novita Sari

Publisher: Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Main Topics: Religion | Decision Sciences, Operations Research & Management | Economics, Econometrics & Finance

Journal: Santri : Jurnal Ekonomi dan Keuangan Islam Vol.2 Issue mi, pp.0-0

Document Type: Article

Publication Date: 1/2024

Document Language: English

Document ID (Org No.): 2001899143

pISSN: 3025-7948

Issues

Authors:

Ainun Nufus | Natasya Natasya | Mas Munfasiroh | Rasidah Novita Sari

Publisher:

Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Main Topics:

Religion | Decision Sciences, Operations Research & Management | Economics, Econometrics & Finance

Journal:

Santri : Jurnal Ekonomi dan Keuangan Islam Vol.2 Issue mi, pp.0-0

Document Type:

Article

Publication Date:

1/2024

Document Language:

English

Document ID (Org No.):

2001899143

pISSN:

3025-7948