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Strategic Alliances between Sharia Microfinance Institutions and Financial Technology in Strengthening Small Micro Enterprises (MSEs)

In the digital era, collaboration between Sharia Microfinance Institutions (SMIs) and financial technology (fintech) offers innovative solutions to the financing challenges faced by Micro and Small Enterprises (MSEs). This study by Euis Amalia and Indra Rahmatullah from Syarif Hidayatullah State Islamic University, Jakarta, explores the strategic alliance between Sharia fintech and SMIs, particularly the partnership between PT Ammana Fintech Sharia and BMT Syahida Ikaluin. The focus is on the Sharia-based crowdfunding business model that enhances financing access, financial literacy, and financial inclusion for MSEs. This research is expected to serve as a reference for the development of policies and Sharia financial innovations in the future.

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