PERAN FINTECH SYARIAH DALAM MENDORONG INKLUSI KEUANGAN UMAT DI KOTA PEKANBARU: STUDI FENOMENOLOGI TERHADAP PELAKU UMKM
Keywords:
Sharia Fintech, Financial Inclusion, Sharia Financial Literacy.Abstract
This study aims to analyze the role of Islamic fintech in promoting financial inclusion among the people in Pekanbaru City, focusing on Micro, Small, and Medium Enterprises (MSMEs) as the main subject. The background of this research is based on the low access of capital for MSMEs to formal financial institutions and the low level of Islamic financial literacy in the community. Islamic fintech exists as a digital financial innovation based on Islamic principles such as fairness, transparency, and freedom from usury. This study uses a library research method by reviewing various relevant literature, scientific journals, and reports from Islamic financial institutions published between 2019 and 2025. The results show that Islamic fintech plays a significant role in expanding access to capital, particularly through Islamic contract-based financing systems such as mudharabah and murabahah, which are in accordance with the values of Islamic economic justice. Furthermore, Islamic fintech also contributes to improving Islamic financial literacy in the community through digital education and information transparency in its applications. With this ease of access and increased understanding, Sharia fintech has proven capable of strengthening financial inclusion for the community while simultaneously encouraging Sharia-based economic growth in Pekanbaru City.
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