Ekonomi Islam, Digitalisasi, dan Pembiayaan UMKM: Sebuah Tinjauan Literatur Sistematis (Systematic Literature Review)

M.  Irwan; Nur  Awwalunnisa

doi:10.29303/konstanta.v5i1.3165

Authors

M. Irwan Universitas Mataram
Nur Awwalunnisa Universitas Islam Negeri Mataram

DOI:

https://doi.org/10.29303/konstanta.v5i1.3165

Keywords:

Ekonomi Islam, digitalisasi, pembiayaan UMKM, keuangan syariah, fintech, systematic literature review

Abstract

Penelitian ini bertujuan untuk menganalisis keterkaitan antara ekonomi Islam, digitalisasi dan pembiayaan usaha mikro, kecil dan menengah (UMKM) melalui pendekatan System Literature Review (SLR). Studi ini menggunakan kerangka Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) dengan menganalisis 30 artikel ilmiah terindeks yang dipublikasikan pada periode 2015-2025. Hasil penelitian menunjukkan bahw prinsip ekonomi Islam, seperti larangan riba, mekanisme bagi hasil, dan investasi etis, memiliki peran penting dalam mendorong pembiayaan UMKM yang inklusif. Selai itu, digitalisasi melalui dintech, mobile banking, dan platform digital terbukti meningkatkan efisiensi, transparansi, serta aksesibilitas layanan keuangan syariah. Namun demikian, integrasi antara ekonomi Islam dan digitalisasi masih menghadapu berbagai tantangan, seperti keterbatasan regulasi, rendahnya literasi digital, serta isu kepatuhan syariah dalam ekosistem digital. Penelitian ini juga mengidentifikasi kesenjangan penelitian, khususnya minimnya studi emprirs dan belum optimalnya integrasi antara pembiayaan syariah, digitalisasi, dan ekosistem UMKM. Oleh karena itu, penelitian selanjutnnya disarankan untuk mengembangkan model empiris yang lebih komprehensif, termasuk integrasi dengan digital supply chain.

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