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Khoirul Nisa; Indahni Auliyauni Nisak; Vamelina Rismawanda; Nicken Reza Windharti; Fajar Suryatama

Proceeding of the International Conference on Economics, Accounting, and Taxation 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

A sustainable digital economy is an economic system that integrates digital technology, social sustainability, and resource efficiency within production processes and labor distribution. Advances in information technology, automation, and artificial intelligence have transformed the structure of the global labor market and created skill disparities among workers. The unpreparedness of human resources in facing digital transformation has led to gaps in access to training, technological literacy, and equal employment opportunities. Strengthening human capital is therefore a strategic solution to maintain balance between technological progress and social justice. This study employs a descriptive qualitative approach through Focus Group Discussions and literature reviews within the 2022–2025 period to analyze the interrelationships between competency development, automation implementation, and digital equity. The findings indicate that improving digital capabilities through upskilling, reskilling, and technology-based education enhances workforce resilience against disruption. Collaboration among government, industry, and educational institutions is proven to be effective in expanding training access, reducing the digital divide, and creating an inclusive and adaptive work ecosystem in the era of a sustainable digital economy.

Atika Mutiarachim; Royke Lantupa Kumowal; Nigar Aliyeva

Journal of Information Technology and Computer Science 2025 International Forum of Researchers and Lecturers

This study explores the development and application of a digital twin-driven cybersecurity risk assessment model for Industrial Internet of Things (IIoT) networks. The increasing complexity and interconnectivity of IIoT systems have expanded the attack surface, making them vulnerable to a wide range of cyber threats. The digital twin model addresses this challenge by creating real-time virtual replicas of physical systems, which can simulate and predict network vulnerabilities and attack vectors. The model uses machine learning algorithms and real-time data to simulate cyberattacks, including Distributed Denial of Service (DDoS), malware, and data breaches. By providing continuous monitoring and dynamic risk predictions, the digital twin model enhances the resilience of IIoT networks compared to traditional cybersecurity frameworks. The findings indicate that the model's ability to predict potential cyber threats and simulate various attack scenarios provides a more proactive and accurate approach to cybersecurity in IIoT environments. Additionally, the study highlights key mitigation strategies, including adaptive security mechanisms, real-time anomaly detection, and the use of lightweight encryption for resource-constrained devices. Despite its effectiveness, challenges such as computational requirements, integration with legacy systems, and scalability were identified. This research underscores the strategic importance of digital twin models in securing IIoT systems and advancing Manufacturing 4.0 ecosystems. Future research should focus on enhancing model accuracy, expanding its application to diverse industrial sectors, and improving interoperability with legacy systems to further strengthen the security posture of IIoT networks.

Asrianto Asrianto; Anwar Ramli; Amiruddin Tawe; Anwar Rauf; Romansyah Sahabuddin +2 more

Proceeding of the International Conference on Management, Entrepreneurship, and Business 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This research aims to explore the forms, meanings, and processes of innovation undertaken by traditional Micro, Small, and Medium Enterprises (MSMEs) in facing the challenges of the digital era, with a particular emphasis on the role of local wisdom as a foundation for innovation. Using a qualitative approach with a case study design, this research explores the subjective experiences of MSMEs integrating cultural values with technological transformation. Data collection was conducted through in-depth interviews, participant observation, and document analysis, which were then analyzed using thematic methods. The results show that innovation in traditional MSMEs is not solely focused on technological aspects, but rather is the result of negotiations between cultural values, social adaptation, and modern market demands. Local wisdom has proven to be a source of values and ethics in product development, marketing strategies, and the digital transformation process. The innovation process occurs contextually and gradually, and is heavily influenced by community support and strong local social networks. This study confirms that culture-based innovation strategies provide a more sustainable and inclusive direction for MSMEs navigating the digital era. Therefore, digital transformation should not be separated from the social and cultural context in which MSMEs are rooted. This approach opens up space for a new understanding of more holistic innovation, which is not only technology-oriented, but also strengthens local identity and social cohesion within the MSME ecosystem.

Nurul Muarifah; Thoyibah Putri; Dimas Aditya; Nyona Liftia

Proceeding of the International Conference on Economics, Accounting, and Taxation 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Inclusive and sustainable economic growth is a major challenge in today's digital age. Financial technology (FinTech) plays an important role in bridging the financial access gap while supporting environmental responsibility through the application of green finance. This study aims to analyse the role of FinTech in promoting inclusive economic growth and environmental sustainability, particularly through the application of blockchain technology in urban renewable energy systems. The research method uses a qualitative approach with secondary data analysis, supported by mathematical models to measure green financial inclusion and FinTech investment efficiency. The results show that the implementation of green FinTech significantly increases financial inclusion, expands economic access for the MSME sector, and reduces carbon emissions through investments in environmentally friendly energy projects. Global case studies in India and Sweden show that multisectoral collaboration and adaptive regulatory policies are key to creating a sustainable FinTech ecosystem. Therefore, the integration of technology, policy, and digital literacy among the public is necessary to realise digital finance that is fair, efficient, and oriented towards a green future

M. Masrukhan

Kegiatan Positif : Jurnal Hasil Karya Pengabdian Masyarakat 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Entrepreneurship training is a key strategy for empowering village economies, especially among youth from Karang Taruna and PKK members. In Kaladawa Village, local potential such as agriculture and handicrafts has not been fully utilized due to limited entrepreneurial knowledge and exposure. This program aims to enhance participants' entrepreneurial competencies through practical-based training methods, including interactive lectures, group discussions, and business simulations. A participatory approach was implemented to help participants identify local potentials, develop business ideas, and formulate digital-based marketing strategies. The results of the training indicate a significant improvement in participants’ understanding of entrepreneurship, as reflected in the emergence of innovative business plans focused on local and digital products. Pre- and post-training evaluations showed increased motivation, creativity, and readiness among participants to initiate independent ventures. The training also fostered a sustainable entrepreneurial spirit by covering essential topics such as financial management, digital transformation, and business networking. Participants acknowledged that direct experiences and intensive mentoring during the sessions played a crucial role in building their confidence and competitiveness. However, for long-term success, continuous mentoring and institutional support are required, along with strategic collaboration between stakeholders such as village governments, local MSMEs, and higher education institutions. Thus, this program not only contributes to improving technical and entrepreneurial skills but also plays a pivotal role in developing a self-reliant and sustainable rural entrepreneurial ecosystem. The integration of similar training into broader community empowerment programs is recommended to ensure lasting impact, inclusive access, resilience, innovation, adaptability, creativity, empowerment, collaboration, leadership, and meaningful local economic development.

Galuh Ajeng Ayuningtiyas; Muhammad Khairul Anwar; Dian Ferriswara; Liling Listyawati; Damajanti Sri Lestari

An International Journal Tourism and Community Review 2025 Akademi Kesejahteraan Sosial Ibu Kartini Semarang

Kebun Raya Mangrove (KRM) Surabaya is the first thematic botanical garden in Indonesia that focuses specifically on the mangrove ecosystem. It serves multiple functions, including conservation, education, research, and recreation. With its ecological uniqueness, KRM has strong potential to develop into a prominent ecotourism destination. However, post-pandemic conditions have seen a significant decline in visitor numbers, indicating the urgent need for more effective and targeted marketing strategies. This study aims to identify and evaluate marketing strategies that can enhance tourist interest and increase visitation to KRM Surabaya. The research adopts a descriptive method with a qualitative approach by collecting both primary data (through observations and interviews) and secondary data, which are then analyzed thematically. The findings indicate that KRM is currently facing several critical challenges, including limited accessibility, inadequate digital promotion, and environmental maintenance issues. Existing marketing efforts—such as affordable ticket pricing, minimal promotion via the official social media accounts of the Food Security and Agriculture Service, and limited collaboration with local SMEs—have not successfully expanded KRM’s market reach or visibility. To address these gaps, the study recommends a comprehensive marketing strategy that includes the optimization of digital marketing through official KRM-managed social media channels, strategic partnerships with ecotourism influencers, the organization of thematic events (e.g., mangrove festivals), and the innovation of mangrove-based products that can boost local identity and visitor engagement. By implementing these strategies, KRM is expected to strengthen its destination branding, attract a broader audience, and establish itself as a leading model for sustainable tourism in Surabaya and beyond.

Elvan Putra Pratama Ramanovanda; Yoga Putra Pratama

The on-demand economy has transformed consumer expectations, demanding fast, transparent, and efficient services. However, the MSME printing sector in Indonesia is often still hampered by manual processes that cannot meet these demands. This research aims to design and validate an on-demand printing service platform interface that acts as a digital bridge between customer demand and MSME production capacity. Using a User-Centered Design (UCD) methodology, a high-fidelity interactive prototype was designed and validated through usability testing with 20 respondents. The test results demonstrated excellent usability, with an average task completion rate of 93%, an overall relative efficiency of 91.4%, and a user satisfaction score of 88%. These results validate that the platform design focusing on instant ordering flows, real-time price calculation, and a job management dashboard for service providers successfully creates an effective and satisfying user experience. The implication of this research is a validated platform model that can serve as a catalyst for printing MSMEs to adapt to the on-demand economy, increase their competitiveness, and participate in the broader digital ecosystem.

Aldi Wijaksono; Ayuni Ayuni; Syarifah Aini

Jurnal Ekonomi dan Keuangan Islam 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study delves into the philosophical and theological core of the concept of ownership in Islamic economics, a paradigm fundamentally distinct from capitalism and socialism. We uncover the essence of ownership as a divine trust, categorized into individual, public, and state domains. Our findings demonstrate how each type of ownership is governed by clear boundaries and rights, tightly integrated with social responsibility to achieve universal well-being and distributive justice. This study also examines the dynamic harmonization between private and public ownership, achieved through vital instruments like zakat, infaq, sadaqah, and productive waqf, as well as the crucial role of government in providing public goods. Despite facing significant challenges such as the dominance of the global capitalist economy and low sharia literacy, we highlight digitalization as a strategic opportunity to boost the efficiency, transparency, and inclusion of sharia finance. This opportunity holds substantial potential to strengthen the harmonization of ownership within the broader Islamic economic ecosystem. In short, a deep understanding of this Islamic concept of ownership is key to formulating more just and balanced economic policies and community development in today's rapidly evolving modern era.

Dinda Maysaroh; Syarifah Hannum Pohan

Jurnal Ekonomi dan Keuangan Islam 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Sharia economy has emerged as one of the fields that offers significant opportunities to support economic growth at the national level. In this structure, Micro, Small, and Medium Enterprises (MSMEs) have a key role as the driving force of the community's economy. This article describes various tactics that can be applied by MSMEs to compete and develop in the context of the sharia economy. These tactics include increasing understanding of sharia finance, developing human resource capacity, product innovation in accordance with sharia principles, and utilizing digital technology to expand market reach. In addition, assistance from sharia financial institutions, the government, and the community are also crucial elements in creating an inclusive ecosystem. Through the application of these approaches, MSMEs are expected to be able to increase their competitiveness while supporting the principles of a fair and sustainable sharia economy. The research method applied to answer the problems studied is a descriptive method with a qualitative approach, which is based on the problems of this research, aiming to collect data and information related to MSME Tactics to Increase Competitiveness in the Sharia Economic Ecosystem. Meanwhile, to answer theoretical issues, a literature study is used with the hope that the analysis of several variables will make the research factors more accurate.

Ridho Illahi; Fajrin Fajrin; Ilham Armi; Dwi Marsiska Driptufany; Defwaldi Defwaldi

Jurnal Riset Rumpun Ilmu Teknik 2025 Pusat riset dan Inovasi Nasional

Changes in land surface temperature are one of the important indicators in monitoring global environmental change. In the last decade, increasing surface temperatures have become a global concern, as they have the potential to affect ecosystems, air quality, water availability and human health. In addition, increasing land surface temperature also has a direct impact on the urban heat island phenomenon, which can worsen environmental conditions in urban areas. In this context, analyzing periodic changes in land surface temperature is important to understand the patterns and factors that influence these changes. The objectives in conducting this research, namely: Analyzing the land surface temperature, Creating a regional land surface temperature map and Analyzing changes in land surface temperature from the land surface temperature map of Pariaman City in 2015, 2019, and 2023. Based on the results of the analysis of changes in land surface temperature using Landsat 8 OLI/TIRS images in 2015, 2019, and 2023, it was found that there were significant variations in temperature changes in several areas. Landsat 8 image data is processed through several stages, starting from converting Digital Number (DN) values to spectral radians, brightness temperature, to estimating Land Surface Temperature (LST) in Celsius units. The analysis shows that there was a significant increase in land surface temperature during the period, especially in urban and coastal areas. In 2015, the majority of areas had temperatures of 20°C-24°C, while in 2019 it shifted to 24°C-28°C, and in 2023 it was dominated by temperatures of 28°C-32°C and above 32°C. These changes reflect a significant local warming trend, influenced by human activities and land use change. This research is expected to contribute to the understanding of environmental dynamics and support spatial planning that is more adaptive to climate change.

Herman Sjahruddin; Muh. Irfai Sohilaw; Hardiani Hardiani; Zulkarnain Basir; Andi Sulfati +3 more

Jurnal Pengabdian Sosial dan Kemanusiaan 2025 Lembaga Pengembangan Kinerja Dosen

This community service aims to foster and develop an entrepreneurial spirit among teenagers in Sanrobone Village, Takalar, through the optimization of Micro, Small, and Medium Enterprises (MSMEs) based on local potential. Teenagers are identified as strategic assets that need to be empowered for economic independence and job creation. The method of implementing this activity adopts a participatory and educational-practical approach, including the preparation stage, implementation of training and mentoring, and monitoring and evaluation. A total of 35 teenagers from Sanrobone Village were actively involved in a series of basic entrepreneurship training, identification of local business opportunities, technical production skills workshops, and simple digital marketing. The results of the activity showed a significant increase in teenagers' understanding of the concept of entrepreneurship from just selling to creating value. They succeeded in identifying 15 potential business ideas from local resources and 20 teenagers were able to produce product prototypes from these ideas. In addition, the initiative to form five micro-business groups initiated by teenagers is clear evidence of the growth of motivation and collaboration. In conclusion, this program is effective in laying a strong foundation for the development of a youth entrepreneurship ecosystem in Sanrobone Village, which is supported by the potential of natural resources and the enthusiasm of the participants. It is recommended that there be ongoing mentoring, facilitation of access to micro-capital, strengthening of networks, and integration of entrepreneurship curriculum in schools to ensure the sustainability and long-term impact of the program.

Ade Anggelina Fauziah; Fitria Nur Ahmad; Afwan Syahril Manurung

Merkurius : Jurnal Riset Sistem Informasi dan Teknik Informatika 2025 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

The development of information and communication technology has led to major disruption in the mass media industry. Digitalization has not only changed the way information is produced and distributed, but also influenced the organizational structure, business model, and overall media management strategy. This study aims to analyze the forms of mass media management transformation in responding to changes in the modern communication landscape. Using a qualitative approach and case study method in two mass media in Indonesia, data was obtained through literature studies and observations. The results of the study indicate that the mass media are restructuring their organizations by forming digital divisions, implementing revenue diversification strategies, and utilizing digital technology in content production and distribution. In addition, it was also found that the media faces serious challenges such as the digital competency gap, algorithmic pressure, and ethical dilemmas related to journalistic professionalism. This transformation requires media management to be adaptive, data-based, and to maintain the principles of journalistic ethics in the decision-making process. This study contributes to the development of media management theory and offers practical recommendations for industry players in facing the increasingly complex digital communication ecosystem.

Noor Alif Roihatul Jannah; Nia Mintarsih

Jurnal Ekonomi Keuangan Syariah dan Akuntansi Pajak 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study observes how influencers sell sharia products through live selling on the TikTok platform and analyzes it from the perspective of muamalah fiqh and how it impacts the Islamic economy. This study shows that sharia-based direct selling can increase market access, expand the reach of sharia MSMEs, and encourage the development of a sharia-based digital economy. This can be seen from the transaction process and the sharia principles that must be adhered to. This study also emphasizes the importance of openness, honesty, and acceptance of contracts to ensure that the transactions carried out are halal and valid according to fiqh. Using a qualitative descriptive analysis methodology supported by literature and direct observation data, it was revealed that direct buying and selling practices can teach people the concept of Islamic economics and encourage ethical or sharia-compliant buying and selling behavior. However, violations of sharia principles such as marketing of illicit goods and fraudulent practices require ongoing supervision and training. This study shows that sharia live selling on TikTok can be an effective way to empower the people's economy and develop a sharia-based and ethical digital economic ecosystem.

Silvy Nur A; Siska Afriyanti A; Wafda Aufa A; Wuli Oktiningrum

Hikmah : Jurnal Studi Pendidikan Agama Islam 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

This qualitative study investigates the role of digital literacy in developing the competencies of prospective elementary school (SD) teachers in Indonesia. Literature studies show that teacher competencies, encompassing pedagogical, personality, social, and professional aspects, are crucial and influenced by various factors, including digital literacy. The digital literacy gap among SD teachers is attributed to a lack of technology-integrated training, infrastructure disparities, insufficient motivation and support, lack of self-confidence, and low awareness of the importance of digital literacy. This research highlights the importance of enhancing the digital literacy of prospective SD teachers to support their competencies. Proposed strategies include integrating digital literacy into the curriculum, practice-based training, enhancing lecturer competencies, developing a campus digital ecosystem, collaborating with industry, and implementing digital-based evaluations. In conclusion, improving the digital literacy of prospective SD teachers is a crucial step in enhancing the quality of education in Indonesia.

Ira Yulistin; Nayla Kamilatul Mukaromah; Rahmawati Rahmawati

Jurnal Ekonomi Keuangan Syariah dan Akuntansi Pajak 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The development of digital technology has revolutionized consumption patterns among consumers, including Muslim consumers. Digitalization has not only brought convenience and efficiency, but also created new challenges in the application of Islamic consumption values. Consumption, which is viewed as part of worship in Islamic economics, requires adherence to the principles of halal, thayyib, justice, prohibition of israf and gharar, and social responsibility. This study aims to conceptually examine how consumers play a role in strengthening the Islamic economy in the digital age, as well as how Sharia consumption principles can be ethically implemented in a dynamic digital environment. The method used is a literature review, examining various academic literature, scientific journals, and documents related to Islamic economics and the digitalization of consumption. The findings indicate that Muslim consumers hold a strategic position in shaping value-based markets, driving the growth of the halal sector, and supporting the sharia-compliant SME ecosystem. On the other hand, low sharia-based digital literacy and the dominance of digital consumerist culture pose challenges that must be anticipated. Strengthening literacy, adaptive regulations, and collective awareness transformation are needed to create a digital consumption pattern that is blessed, fair, and sustainable in accordance with the objectives of Islamic law.

Haryaji Catur Putera Hasman; Nindya Yunita

POTENSI : Jurnal Pengabdian Kepada Masyarakat 2025 Fakultas Ekonomi dan Bisnis UNDARIS

Adolescents are among the most active users of social media, yet their usage often lacks direction toward productive and positive purposes, including Islamic preaching. This community service activity aimed to enhance the interest and capability of the youth at Al-Qohhar Mosque in utilizing social media as a platform for da’wah through a social media marketing approach. The program was conducted over three days and included observation, interactive training, and mentoring through a Focus Group Discussion (FGD). The results showed a significant improvement in participants’ understanding of digital preaching ethics, their ability to create engaging Islamic content, and increased parental involvement in guiding responsible social media use. This activity successfully fostered collaboration among youth, families, and the mosque community to build a value-based Islamic digital da’wah ecosystem

Rossa Amalia Lestari; Raihan Afif Kamal; Andi Amri

Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This research aims to analyze the evolution and innovation of sharia savings products in Indonesia through a literature-based qualitative approach. The background of the research is based on the significant growth of the national sharia banking sector, driven by government regulations, technological advancements, and changes in customer preferences. This study uses a literature review method by analyzing various secondary sources such as scientific journals, regulations, and financial reports to identify the patterns of Islamic savings product development over time. The research results show that the transformation of sharia savings products is driven not only by religious aspects but also by the demand for service efficiency and financial inclusion. The merger of several Islamic banks into Bank Syariah Indonesia also accelerated the digitalization of Islamic savings services. Although there are challenges such as low Islamic financial literacy and limited infrastructure, development opportunities remain wide open through educational strategies and the integration of the halal ecosystem. Innovations such as the opening of online accounts and the diversification of goal-based products have successfully increased sharia financial inclusion, particularly among the younger generation. The implications of this research emphasize the importance of adaptive product development strategies, financial education, and cross-sector collaboration to strengthen the competitiveness and sustainability of sharia savings products in Indonesia.

Fitri Natasha Dachi; Urbanisasi Urbanisasi

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2025 Pusat Riset dan Inovasi Nasional

Crypto asset transactions in Indonesia have rapidly developed alongside financial technology advancements, yet they pose legal challenges concerning investor protection. Under Indonesian civil law, civil liability for investor losses may be based on Article 1243 and Article 1365 of the Civil Code, depending on whether the loss arises from a breach of contract or an unlawful act. Additionally, the Consumer Protection Act may serve as a legal basis in cases involving violations of consumer rights. However, the application of such liability encounters juridical obstacles, including the absence of specific regulations defining the legal status of crypto assets as legal objects, regulatory gaps regarding business actors’ obligations, and evidentiary difficulties due to the anonymous nature of digital transactions. In this context, regulatory reform is essential to establish legal certainty and effective investor protection. The regulation should include digital security standards, transparent risk disclosures, and dispute resolution mechanisms. Active roles of Bappebti and the Financial Services Authority (OJK) in oversight, as well as legal literacy for the public, are critical to creating a responsible and secure crypto asset trading ecosystem.

Muh. Fadlan Alfri Jamil; Agussalim Agussalim

Jurnal Ilmu Komunikasi, Administrasi Publik dan Kebijakan Negara 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

In the era of rapid digital transformation, digital sovereignty has become a strategic issue for ASEAN countries, including Indonesia. Digital sovereignty encompasses a country's ability to manage data, technological infrastructure, and information systems independently without foreign intervention. This study aims to analyze Indonesia's strategies in strengthening digital sovereignty through regional cooperation within ASEAN. A descriptive qualitative approach is employed to illustrate the dynamics of Indonesia’s domestic and regional policies, with data obtained from literature studies, official government documents, and international publications related to cybersecurity. The findings indicate that Indonesia is actively developing national policies such as the Personal Data Protection Act (PDP Law), building national digital infrastructure, and launching strategic projects such as the SATRIA-1 Satellite. At the regional level, Indonesia plays an active role in forums such as the ASEAN Digital Ministers' Meeting (ADGMIN) and ASEAN-CERT, as well as initiating the establishment of the ASEAN Digital Resilience Task Force. However, significant challenges remain, including institutional fragmentation at the national level, digital infrastructure gaps, limited human resources, and varying political commitments among ASEAN member states. This study concludes that Indonesia's strategy must be accompanied by strengthened inter-agency coordination, capacity building of human resources, and harmonization of regional digital policies to create a secure, sovereign, and inclusive ASEAN digital ecosystem.

Syarifah Ajijah; Siti Aisyah; Mutia Rahmania Fitriyani

Maslahah : Jurnal Manajemen dan Ekonomi Syariah 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

Financial inclusion is an important pillar in equitable economic development, especially in Indonesia with a majority Muslim population. However, the contribution of Islamic financial institutions (LKS) to national financial inclusion is still low due to limited innovation, access, and public literacy about Islamic finance. This study aims to analyze the role of LKS innovation in accelerating financial inclusion in Indonesia. The research method uses a descriptive qualitative approach with literature studies and secondary data analysis from various related reports and publications. The results show that service digitalization, product diversification, and strengthening the halal ecosystem are the main strategies of LKS innovation. Digital innovations such as sharia mobile banking, fintech, as well as microfinance services and the halal sector have proven effective in expanding access to Islamic finance, especially for MSMEs and communities in remote areas. Synergy between the government, regulators, and industry players is needed to create an inclusive and sustainable Islamic financial ecosystem. The implications of this study emphasize the importance of continuous innovation and Islamic financial literacy education to increase the role of LKS in supporting national economic growth based on Islamic values.