The Role of Sharia Fintech in the Development of MSMEs in the Digital Era: A Case Study in Bengkalis Regency
DOI:
https://doi.org/10.56633/maisha.v3i1.1498Keywords:
Sharia fintech; MSMEs; the digital age; Bengkalis Regency; financia inclusion.Abstract
This study examines the role of Sharia fintech in supporting the development of Micro, Small, and Medium Enterprises (MSMEs) in Bengkalis Regency in the digital era. The objective of this study is to analyze the contribution of Sharia fintech to access to capital, ease of transactions, and the growth of Sharia-based MSMEs. The method used is descriptive qualitative research with a case study approach, through in-depth interviews with MSME actors and users of sharia fintech services, as well as field observations. The results show that sharia fintech plays a significant role in improving access to capital for MSMEs that have long been constrained in obtaining financing from conventional financial institutions. Furthermore, the digitalization of Sharia financial services has expanded the market reach of SMEs and improved operational efficiency. This study concludes that the synergy between the Sharia fintech ecosystem and SMEs in Bengkalis Regency requires support from local government policies as well as enhanced digital financial literacy among business operators.
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