THE ROLE OF SHARIA FINTECH IN SUPPORTING MSME FINANCING HALAL CREATIVES IN INDONESIA

Abstract

The development of Sharia-compliant fintech in Indonesia is growing rapidly and has significant potential to support financing for the halal creative economy sector. Several previous studies have highlighted fintech's role in financial inclusion, but few have specifically addressed its contribution to halal creative MSMEs. This study aims to analyze how Islamic fintech helps expand access to capital for creative entrepreneurs based on Islamic values. The approach used was descriptive qualitative, through a literature review and observations of MSMEs using Sharia-compliant fintech platforms such as BSI Mobile, Ammana, and Ethis. The analysis showed that Sharia-compliant fintech platforms are capable of providing easier, more transparent, and usury-free financing. In addition to accelerating business growth, the existence of Islamic fintech also contributes to the achievement of Sustainable Development Goals (SDG 8) through empowering a just and sustainable halal economy in Indonesia.