Transformation of Sharia Microeconomics in the Digital Era Integration of Maslahah, MSMEs, and Sharia Finance
Keywords:
Sharia Microeconomics, Maslahah, MSMEs, Sharia Finance, Digital EconomyAbstract
Digital transformation in economic activities has changed the way consumers, producers, micro and small businesses, and Islamic financial institutions interact. This article analyzes the transformation of the Islamic micro-economy in the digital era by integrating the concepts of maslahah, ethical market behavior, MSME empowerment, and Islamic finance innovation. This study uses a qualitative literature review with a descriptive-analytical approach, drawing on books and scientific publications as secondary data sources. The literature shows that digitalization can reduce transaction costs, expand market access, facilitate financial inclusion, and strengthen MSME development. However, digital transactions also present challenges, including information asymmetry, gharar, digital literacy, data security, halal assurance, and sharia compliance. This article proposes a maslahah-oriented ecosystem that uses digital technology to benefit consumers, producers, MSMEs, Islamic financial institutions, platforms, regulators, and halal institutions. Thus, transforming the sharia microeconomy must ensure that technological efficiency remains aligned with justice, transparency, halal principles, and social benefits.
Downloads
References
Adel, I. R., & Rinaldi, A. (2024). Gharar in digital economy transactions: A qualitative analysis of e-commerce practices. Journal of Intellectual Insights.
Aini, H., & Yuningsih, A. (2025). Interaction patterns between the Islamic finance sector and MSMEs in increasing local economic competitiveness. Dar El-Ilmi: Journal of Religious Studies, Education, and Humanities.
Aisyah, D. I., Nurmalia, F., Azizah, N. A. N., & Marlina, L. (2023). Analysis of the understanding of halal certification in micro, small and medium enterprises (MSMEs).
Aji, A. M., & Mukri, S. G. (2022). The Implementation of Sharia Maqashid and its actualization in the development of the Islamic economic system.
Aldy, M., Munthe, O., Putri, A., & Anngraini, W. (2023). Consumption ethics in an Islamic perspective.
Alimuddin, A. (2020). Production ethics in the view of maqasid sharia.
Amalia, N., Wati, R., Putri, B. D., & Mairiza, D. (2023). The existence of Islamic microeconomic principles for the sustainability of micro businesses in the era of digitalization. Tuanku Tambusai Heroes University.
Amsari, S., Anggara, W., & Suparmin, S. (2023). Islamic perspective on the phenomenon of celebrity endorsement as a product marketability in the digital era.
Andrean, R., Anwar, K., Adinugraha, H. H., & Syafii, M. A. (2022). Hasanah.id: Sharia Crowdfunding Securities Innovation Platform based on cash waqf investment for the development of competitive MSMEs during the national economic recovery period.
Ardiansyah, R., & Susetyo, A. B. (2025). The role of sharia fintech in supporting MSME financing access in Indonesia.
Aknes, A. K., & Yuli, Y. (2025). The impact of sharia economics on the growth of MSMEs: An SLR study. Journal of Islamic Economics and Finance.
Basri, B. (2023). Market mechanisms and fair pricing in Islam: the perspective of Nejatullah Siddiqi – A study of modern economic phenomena.
Bawafie, A. A. A., Tompson, M. D., & Muin, R. (2024). Halal industry: The monotheistic paradigm of realizing the halal value chain in Indonesia. Performance.
Fadllan, F., & Maufiroh, L. (2022). Maslahah oriented as business rationality in Islamic economics. State College of Islamic Studies Pamekasan (STAIN Pamekasan).
Fajaruddin, A., Husni, I. S., Lesmana, M., & Shofiati, F. S. (2023). Ibn Taymiyah's thoughts on market mechanisms and price regulation in Indonesia during the COVID-19 pandemic.
Fradesa, F., Abadi, S. P., Maani, B., Hardi, E. A., & Sucipto, S. (2022). Features of Shopee Barokah and Tokopedia Salam: Halal marketplace innovation as an effort to develop a sharia-based digital economy.
Hamdi, B. (2022). Principles and ethics of Islamic consumption (Review of Maqashid Sharia). Institute for Scientific Publications and Publishing (LPIP) University of Muhammadiyah Purwokerto.
Harahap, N. A., Triani, S. I., & Hasibuan, R. R. A. (2025). Market structure in an Islamic perspective: A microeconomic study of the principles of justice and transparency.
Mardhiah, S., Nabilah, S., & Hendra, J. (2024). Alternative sharia financing to support the growth of MSMEs in the digital era without usury.
Musfik, R., Gamsah, R., Firmansyah, R., Maryam, S., Sunan, U., Bandung, G., & Jemba, C. (2023). Islamic philanthropy product innovation: An analysis of potential and challenges in the digital era. Journal of Business Management and Accounting Economics.
Rinaldi, A., & Afifah, D. D. (2025). Microeconomics: Sharia Business and Banking. Mutiara Publishing Indonesia.
Syakarna, N. F. R. (2023). The role of disruptive technology in the transformation of Islamic banking and finance in Indonesia.
Wahyuni, S., Sapa, N. B., & Haddade, A. W. (2024). Islamic finance fintech in the perspective of sharia compliance.
Wulandari, S., & Nasik, K. (2021). Examining the difference between the mechanism of the peer to peer lending system in conventional fintech and sharia fintech in Indonesia. Journal of Education and Islamic Studies Nuris.
Yanti, I. F. A., Ulfian, U., Febriani, F., Bayulpa, D. O., Safitra, M., & Tarigan, D. J. (2024). The concept of business ethics and consumer behavior in the perspective of sharia economics. Journal of Economics and Business.
Yunilhamri, M. S., Wahyudi, W., Syahpawi, S., & Albahi, M. (2024). Paradigm of sharia economic characteristics. At-Tawassuth.
Balqis, W. G., & Sartono, T. (2020). Micro Waqf Banks as a means of empowerment in micro, small and medium enterprises. Maulana Malik Ibrahim State Islamic University.
Muslimah, & Ss. (2023). A study of human needs and consumption in the perspective of Islamic microeconomics.
Thahirah, A., et al. (2023). The use of digital technology in Islamic financial management.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Afdhol Rinaldi, Dhiya Dwi Afifah
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
