Peran Transformasi Digital dalam Memperkuat Lembaga Keuangan Syariah, UMKM, dan Koperasi

Abstract

Digital transformation is now crucial in increasing the competitiveness and efficiency of financial institutions, including sharia financial institutions, MSMEs and cooperatives. The development of financial technology (fintech), artificial intelligence, and the digitization of sharia banking services have opened up opportunities to increase accessibility, transparency, and efficiency in financial management. This article examines the implementation of digital transformation in sharia financial institutions which focuses on MSME and cooperative services, the challenges faced, and the benefits that can be obtained from implementing digital technology. This research uses qualitative methods with a literature study approach to analyze various policies, best practices and the impact of digitalization on economic growth in the Islamic finance sector and MSMEs. The research results show that the adoption of digital technology can encourage financial inclusion, increase operational efficiency, and ensure compliance with sharia principles. However, challenges such as limited digital infrastructure, low levels of technological literacy, and regulations that are still in the development stage need to be overcome. With the right strategy, digital transformation in this sector has the potential to make a significant contribution to sharia-based economic growth and community economic empowerment.