Strategi inovatif bank Aceh Syariah

Integrasi fintech dalam mendorong pertumbuhan UMKM lokal di era digital

  • Dwiki Muhammad Iman Program Studi Perbankan Syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang
Keywords: Fintech, Bank Aceh Syariah, MSMEs, digital innovation, sharia economy

Abstract

The digital era demands Islamic financial institutions to innovate to address challenges and capitalize on opportunities, particularly in supporting Micro, Small, and Medium Enterprises (MSMEs) as pillars of the economy. This study aims to analyze the innovative strategies implemented by Bank Aceh Syariah through the integration of financial technology (fintech) to encourage the growth of local MSMEs in Aceh. This study uses a qualitative approach with a case study method, where data is collected through in-depth interviews, observations, and a literature review of the bank's strategic documents. The results of the study identify several key strategies, namely: (1) Development of a fast and easily accessible Islamic digital financing platform; (2) Strategic collaboration with Islamic fintech and local startups; (3) Implementation of digital financial education and literacy programs for MSMEs; and (4) Utilization of data analytics for more inclusive credit assessments. The analysis shows that this fintech integration has successfully increased access to capital, expanded market reach, and improved operational efficiency of MSMEs. The conclusion of this study is that fintech integration that aligns with Islamic principles and the local context creates an inclusive and sustainable financial ecosystem. This strategy not only encourages the growth of MSMEs but also strengthens regional economic resilience and Bank Aceh Syariah's contribution to realizing real economic justice.

 

Downloads

Download data is not yet available.

References

Aisyah, E. N., Lutfia, D., & Maulida, U. (2024). Seminar Nasional Manajemen, Ekonomi dan Akuntasi Fakultas Ekonomi dan Bisnis UNP Kediri PERAN PEMBIAYAAN KUR MIKRO DALAM MENDUKUNG PERTUMBUHAN UMKM DI BANK SYARIAH INDONESIA KCP MALANG TUREN 1. 187–196. https://repository.uin-malang.ac.id/21089

Aqlima Geubrina, Teuku Zulkarnain, & Mariana Mariana. (2025). Peran Regulasi, Kinerja Keuangan, dan Inovasi Digital dalam Memperkuat Perbankan Syariah di Aceh. Journal of Islamic Management, 5(1), 55–72. https://doi.org/10.15642/jim.v5i1.1960

Haura Faradilla Putri1, Armiadi Musa2, N. H. (2025). ANALISIS SWOT PEMANFAATAN TRANSAKSI DIGITAL TERHADAP PENGEMBANGAN UMKM DI KOTA BANDA ACEH DALAM PERSPEKTIF EKONOMI SYARIAH. 2(3), 167–186.

Makki, M., & Hasan, Z. (2025). MEMBANGUN EKOSISTEM KEUANGAN DIGITAL YANG BERKELANJUTAN PENDAHULUAN Lanskap keuangan global saat ini mengalami transformasi signifikan , dipicu oleh kemajuan pesat dalam teknologi keuangan ( fintech ). Perkembangan ini memiliki implikasi signifikan bagi s. Journal of Economic and Islamic Research, 3(2), 495–513.

Rozi, F., Safitri, A. R., Khowatim, S. W., & Rochayatun, K. (2024). Peran Financial Technology (Fintech) Syariah dalam Perekonomian Negara di Indonesia. Jurnal Ilmiah Ekonomi Islam, 10(02), 1668–1674. https://repository.uin-malang.ac.id/21089/

Sasongko, D. S., Budianto, E. W. H., Arkaan, D. U., & Herawati, A. (2024). Internalisasi Nilai Moderasi Beragama Dalam Sistem Ekonomi Syariah Pada Umkm Halal Melalui Produk Pembiayaan Syariah. Martabe: Jurnal Pengabdian Masyarakat, 7(4), 1303–1320. https://repository.uin-malang.ac.id/19862

Zubair, L., Mu mini, D. A., Kurnia, Z. A., & Bashith, A. (2024). Strategi Inovatif Dalam Pengembangan Evaluasi Pembelajaran Pendidikan Agama Islam Untuk Meningkatkan Kualitas Pendidikan. Jurnal Pendidikan Indonesia, 5(11), 1217–1227. https://doi.org/10.59141/japendi.v5i11.5911

PlumX Metrics

Published
2025-10-20
How to Cite
Iman, D. (2025). Strategi inovatif bank Aceh Syariah. Maliki Interdisciplinary Journal, 3(11), 707-713. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/19294
Issue
Vol 3 No 11 (2025): NOVEMBER
Section
Articles

Copyright (c) 2025 Dwiki Muhammad Iman

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Authors who publish with this journal agree to the following terms:

  • Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
  • Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  • Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.