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Riza Larenahadi; Harry Kurniawan

SARGA: Journal of Architecture and Urbanism 2026 Universitas 17 Agustus 1945

Pasar merupakan bagian penting dalam perkembangan arsitektur pembangunan sebuah kota di Indonesia. Tidak hanya berperan dalam aspek ekonomi, pasar juga berperan dalam aspek sosial budaya masyarakat di wilayahnya. Pentingnya peran pasar tradisional ini direspon pemerintah melalui pelbagai program revitalisasi agar lebih mengikuti konteks zaman dan tidak kalah bersaing dengan jenis pasar yang lain. Namun permasalahan yang baru muncul setelah program revitalisasi dilaksanakan terutama menurunnya transaksi ekonomi dan tingkat keramaian di pasar. Revitalisasi Pasar Prawirotaman menjadi kasus yang diteliti pada permasalahan ini. Penelitian ini bertujuan untuk mengidentifikasi pola perilaku pengguna pasar tradisional untuk mengetahui tingkat optimalisasi fungsi ruang bangunan pasar. Metode yang digunakan pada penelitian ini adalah pemetaan perilaku pengguna pasar melalui place-centered mapping dengan pendekatan kualitatif. Penelitian ini menemukan bahwa pola perilaku pengguna memiliki jumlah frekuensi kegiatan berbeda di setiap lantainya dan pemilihan elemen aksesibilitas oleh pengguna bersifat langsung dan terarah sehingga mempengaruhi tingkat optimalisasi fungsi ruang.

Diana Lestari; Meylissa Meylissa; Nia Hairu Novita

Jurnal ilmu Kesehatan Umum 2026 Asosiasi Riset Ilmu Kesehatan Indonesia

Aceh Tamiang Regency is an area with a high risk of annual flooding. This emergency condition often triggers a surge in environment-related diseases such as skin diseases, respiratory infections, and diarrhea. The success of managing health crises heavily depends on pharmaceutical logistics management, especially the availability of essential medicines and ease of access for refugees at evacuation points. This study aims to analyze the extent of medicine availability at community health centers and health posts, as well as to evaluate the barriers to medicine accessibility for flood victims in Aceh Tamiang Regency. This study uses a qualitative/quantitative descriptive method (choose one) with a case study approach. Primary data were collected through in-depth interviews with pharmaceutical logistics officers and surveys of flood survivors. Secondary data were obtained from the drug stock reports of the Aceh Tamiang District Health Office. Analysis was conducted on variables such as drug types, stock amounts (Buffer Stock), and distribution channels during the emergency response period. The results of the study indicate that the availability of drugs in the initial disaster phase tends to be (state the prediction, e.g., sufficient/limited). However, accessibility is often hindered by damaged road infrastructure and uneven distribution to remote posts. There is an urgent need to strengthen the logistics early warning system so that the types of medicines available match the disease patterns that emerge after floods. Although medicine stocks are generally available in central pharmacy warehouses, geographical constraints and distribution coordination are the main factors hindering accessibility. It is recommended that local governments map out alternative distribution routes and provide disaster-specific buffer stock of medicines at the sub-district level.

Siniya Nurya Winata

Jurnal Manajemen Kreatif dan Inovasi 2026 International Forum of Researchers and Lecturers

The development of information technology encourages organizations to adopt a more efficient, flexible, and secure data management system, especially in the field of financial management that requires high accuracy and reliability. One of the technologies that is widely used is cloud computing, which offers easy access to data and an integrated security system. This article aims to analyze the utilization of cloud technology in improving the security and accessibility of financial management data. The method used in this study is a literature study by examining various scientific sources, books, and online news relevant to the topic of cloud computing and financial data management. The results of the study show that cloud technology is able to improve data security through the implementation of encryption, multi-layered access control, user authentication, and a reliable data backup system. In addition, cloud technology also improves the accessibility of financial data because it allows users to access information in real-time, flexibly, and without location or device restrictions. Thus, the application of cloud technology can be a strategic solution for organizations in improving operational efficiency, data security, and the quality of decision-making in financial management.

Ricky Widyanto; Eriana Saprida; Muhammad Fadlan; M Sahlan; Heru Syahputra

Nusantara: Jurnal Pengabdian kepada Masyarakat 2026 Pusat Riset dan Inovasi Nasional

The community service program entitled “Implementation of Digital Technology through Mapping MSME Locations on Google Maps to Enhance Consumer Accessibility in the Bukit Lawang Tourism Area” aims to improve digital literacy and business visibility among local micro, small, and medium enterprises (MSMEs) in Bukit Lawang, Langkat Regency, North Sumatra. The program was carried out using a participatory approach through socialization, training, and technical assistance involving four local MSMEs, consisting of two wildlife-themed painting craftsmen, one culinary business, and one souvenir craftsman. The results show that all MSMEs were successfully registered and verified on Google Maps, leading to increased consumer accessibility and customer interaction through digital reviews. In addition to expanding market reach, this activity also fostered awareness and independence among business owners in managing their online business profiles. This program demonstrates that location mapping through Google Maps serves as a simple yet effective strategy to support MSME digital transformation and strengthen community-based creative economies in rural tourism areas.

Galih, Galih warsa putra; Galih Warsa Putra; Kusnadi Kusnadi; Willy Eka Septian

Jurnal Elektronika dan Komputer 2025 STEKOM PRESS

Penelitian ini mengembangkan sistem pemantauan berbasis Internet of Things (IoT) untuk mengoptimalkan kinerja Mini PC dan pemeliharaan real-time di CV Permata Gemilang Jaya. Metodologi waterfall diterapkan menggunakanNodeMCU sebagai mikrokontroler utama, dilengkapi dengan sensor DHT22, DS18B20, dan INA219 untuk memantau parameter suhu, CPU, dan memori. Arsitektur sistem mengintegrasikan kerangka kerja Laravel dengan database MySQL, menghasilkan aplikasi web responsif dengan kontrol akses berbasisperan untuk Admin Pusat, Admin Regional, dan Teknisi Cabang. Infrastrukturserver cloud dengan konektivitas GSM cadangan memfasilitasi pemantauanterpusat di wilayah Ciayumajakuning. Desain sistem menggunakan Unified Modeling Language (UML) dengan diagram kasus penggunaan dan diagram aktivitas yang komprehensif. Penerapan sistem pemberitahuan otomatisdengan mekanisme peringatan berbasis ambang batas memungkinkan deteksidini anomali perangkat. Antarmuka yang dioptimalkan untuk selulermeningkatkan aksesibilitas teknisi untuk operasi lapangan. Validasi sistemmenunjukkan strategi pemeliharaan preventif yang sukses dalam mengurangiwaktu henti perangkat dan mengoptimalkan efisiensi operasional infrastrukturteknologi informasi.

Desti Syarani; Octavia Zulaikha; Mimi Lestari; Vindi Rachmadani; Nada Yuliana Rahma

Gemawisata: Jurnal Ilmiah Pariwisata 2025 Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia

This research stems from the growing popularity of local tourism, including Pading Lake in Central Bangka Regency, a former tin mine developed into a tourist attraction. However, this destination still faces various management challenges, particularly in terms of attractiveness, facilities, pricing, and accessibility, which influence tourist satisfaction. The purpose of this study is to analyze the influence of attractiveness, facilities, pricing, and accessibility on tourist satisfaction, as measured by revisit intention. The study used a mixed-method approach, collecting data through questionnaires, interviews, observations, and documentation. The sample was determined using the Isaac and Michael formula, totaling 347 respondents from a population of 3,450 tourists. Data were analyzed using multiple linear regression using the Stepwise approach. The research findings indicate that revisit intention is influenced by five variables: tourism activities, road conditions, price competitiveness, location cleanliness, and parking availability. The tourism activity variable proved to be the most dominant with the highest coefficient value, while public facilities obtained the lowest average value and need to be improved. The final regression model was able to explain 54.5% of the variation in tourist satisfaction, indicating that other factors outside this study still have an influence. These findings demonstrate the importance of tourism managers prioritizing the development of tourism activities, increasing accessibility, and providing adequate supporting facilities to increase tourist satisfaction and loyalty.

Hastri Firharmawan; Dwi Heriyanto

Jurnal Pengabdian Masyarakat Indonesia Sejahtera 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

Improving the accessibility of higher education for students is an important issue in facing the challenges of globalization and the current development of information technology. This community service aims to illustrate the role of Nahdlatul Ulama (NU) cadres in encouraging the accessibility of NU tertiary institutions for students. In this context, NU cadres act as a liaison between students in the community and NU universities. This community service was carried out in the Bonorowo sub-district, Kebumen Regency in April 2023. The service involved 30 participants using the counseling method. From the results of the service, it was found that the knowledge of the counseling participants related to information on NU higher education including registration procedures, types of scholarships available, available majors, and knowledge about campus life increased. The service team suggested that counseling about the accessibility of NU higher education for students be carried out continuously. It is hoped that continuous counseling will provide more accurate information to prospective students so that it will increase the interest of the santri community to study.

Ramadhani Fitri Panjaitan; Weny Nur Afdilla Simangunsong; Zulfa Ar Rahman; Khairul Saleh

SABER : Jurnal Teknik Informatika, Sains dan Ilmu Komunikasi 2025 STIKes Ibnu Sina Ajibarang

the village level. Aek Korsik Village, located in Aek Ledong Subdistrict, Asahan Regency, does not yet have an official website as an information medium or a platform for digital public services. This condition limits the community’s access to village information and keeps administrative services in a conventional, manual system. Through the Community Service Program (Kuliah Kerja Nyata/KKN) Group 5, Faculty of Engineering, Universitas Asahan, a web-based information system was designed and developed for Aek Korsik Village with the aim of improving information accessibility, village government transparency, and the efficiency of digital services for the community. The system development process involved field observations, interviews with village officials, needs analysis, user interface design, implementation, and website testing. The developed village website provides key features such as village profile, news and announcements, online administrative services, and information on village potential. The implementation results show that the website serves as an effective communication medium, facilitates community access to information, and supports transparency in public services. This study also recommends further development, such as mobile application integration and enhanced system security, to ensure the sustainability of digital services in Aek Korsik Village

Baginda Zulfikar; Marice Simarmata

Presidensial : Jurnal Hukum, Administrasi Negara, dan Kebijakan Publik 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

This study aims to examine the legal aspects of the Aceh People's Health Insurance Program (JKRA) by analyzing it as a hybrid between an insurance agreement and a social insurance agreement. The method used is a normative juridical approach, with qualitative analysis based on relevant laws and legal concepts. Data sources consist of primary, secondary, and tertiary legal materials. The results show that JKRA has two main characteristics. On the one hand, JKRA fulfills the elements of an insurance agreement, such as the existence of an insurer and an insured, premium payments, protection against risks, and the uncertainty of insured events. On the other hand, JKRA also reflects the characteristics of social insurance, namely being mandatory, non-profit-oriented, managed by the government, and applying the principle of mutual cooperation through a cross-subsidy mechanism. This dual character indicates that JKRA is a unique form of regional health insurance scheme that integrates private and social approaches. However, in its implementation, there are a number of legal issues that require serious attention. Some of the main problems found include the need for regulatory harmonization between JKRA and the National Health Insurance (JKN), ensuring the sustainability of funding through the Aceh Revenue and Expenditure Budget (APBA), and alignment with national health policies, especially after the enactment of Law Number 17 of 2023 concerning Health and Government Regulation Number 28 of 2024. Therefore, comprehensive legal regulations are needed so that the implementation of JKRA can run optimally and in line with the integrated national health insurance system, ensuring the sustainability of health services for the people of Aceh in a fair and sustainable manner.

Indra Maulana Sunarto; Ibrahim Tohar; Suko Istijanto

SARGA: Journal of Architecture and Urbanism 2025 Universitas 17 Agustus 1945

Kompleks Makam Sunan Giri merupakan salah satu tujuan wisata religi yang cukup dikenal di Provinsi Jawa Timur. Destinasi ini masih menjadi favorit karena masyarakat di sekitarnya dikenal memiliki tingkat religiusitas yang  tinggi.  Kabupaten  Gresik  sendiri  sering  dijuluki  sebagai  Kota  Santri  atau  Kota  Wali,  sehingga  potensi pengembangan wisata religi di wilayah ini sebenarnya sangat besar. Penelitian ini bertujuan untuk mengkaji daya  tarik  wisata  yang  dimiliki  Kompleks  Makam  Sunan  Giri  di  Gresik.  Pendekatan  yang  digunakan  adalah deskriptif kualitatif, dengan teknik pengumpulan data melalui observasi, wawancara, serta dokumentasi. Hasil penelitian ini menunjukkan bahwa Aksesbilitas menuju kompleks makam Sunan Giri perlu banyak  perbaikan dengan cara  pelebaran jalan  untuk akses menurunkan penumpang  dari  area parkiran utama wisata. Atraksi yang dilakukan yaitu Ziarah wali, berbelanja kuiner dan oleh – oleh khas Gresik dan berwisata edukasi sejarah. Amenitas tergolong cukup lengkap namun perlu untuk di kelolah dengan baik. Dalam pengelolahan destinasi perlu memikirkan tentang perencanaan, perorganisasian, pelaksanaan dan pengawasan. 

Akwila Nathanael Odoh; Mochamad Amboro Alfianto; Muhammad Alandra Bestama; Maleda Littler; Ayla Hanifa Nur Ramadhani +2 more

Gemawisata: Jurnal Ilmiah Pariwisata 2025 Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia

This study aims to examine in depth the role of traditional cart taxis in supporting tourism accessibility in Ijen Crater. Cart taxis as a local community-based transportation mode have a significant contribution in addressing geographical challenges and limited formal infrastructure in natural tourism areas. Through a qualitative descriptive approach based on observation, documentation, and literature studies, it was found that traditional cart taxis not only function as a means of transportation, but also as social and economic agents that strengthen community involvement in the tourism industry. Traditional taxi activities also provide alternative livelihoods, create authentic interactions with tourists, and support the microeconomic ecosystem at the local level. However, traditional taxi drivers face serious challenges such as income uncertainty, unclear legal status, and minimal policy support. This study recommends the importance of integrating traditional cart taxis into an inclusive, participatory, and sustainable tourism management system.

Suderajat, Agung; Kamalia, Antika Zahrotul; Afandi, Dedi

Dinamik 2025 Universitas Stikubank

Pasar properti rumah memiliki harga yang bervariasi tergantung lokasi dan spesifikasi bangunan. Penelitian ini melakukan segmentasi harga properti berdasarkan lokasi (latitude & longitude), harga, dan luas bangunan menggunakan algoritma K-Means Clustering. Dataset berisi 18.962 data properti dari wilayah Bandung dan sekitarnya. Data melalui tahap pembersihan, transformasi lokasi ke koordinat geografis, normalisasi, dan denormalisasi untuk memastikan kualitas analisis. Metode Elbow digunakan untuk menentukan jumlah cluster optimal dan menunjukkan nilai K = 3. Proses clustering menghasilkan tiga segmen: Cluster 0 (Affordable Housing) mencakup 7.751 properti dengan harga rendah dan bangunan kecil, Cluster 1 (Luxury Estate) sebanyak 2.402 properti dengan harga tinggi dan bangunan luas, serta Cluster 2 (Middle-Class Residences) terdiri dari 5.555 properti dengan karakteristik menengah. Visualisasi menggunakan peta interaktif berbasis Folium memperlihatkan distribusi spasial yang jelas, dengan konsentrasi tertinggi berada di pusat kota seperti Bandung dan Cimahi. Rata-rata harga di cluster 0 sekitar Rp900 juta, cluster 1 mencapai Rp4,9 miliar, dan cluster 2 sekitar Rp1,8 miliar. Penelitian ini menunjukkan bahwa K-Means efektif untuk segmentasi harga properti. Untuk hasil yang lebih komprehensif, disarankan agar penelitian lanjutan menambahkan variabel seperti aksesibilitas, fasilitas umum, dan kondisi bangunan.

Ernes Septina Azizi; Anggi Fitria Cahyaningsih; Gigieh Henggar Jaya; Faishal Permana

Jurnal Pariwisata Indonesia 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

This study aims to analyze the impact of attractions and accessibility on tourist visitation interest in Sembungan Tourism Village, Wonosobo Regency. Sembungan Tourism Village is the highest village in Java Island with an altitude of 2,300 meters above sea level, featuring tourist attractions such as Sikunir Hill, Cebong Lake, Sikarim Waterfall, and the traditional Gimbal Hair Cutting ceremony. The research employed a quantitative approach with accidental sampling technique involving 100 respondents. Data analysis used multiple linear regression. The results show that attractions positively and significantly influence visitation interest with t-value 3.613 > t-table 1.985 (significance 0.000). Accessibility also has a positive and significant influence with t-value 2.760 > t-table 1.985 (significance 0.007). Simultaneously, attractions and accessibility significantly influence visitation interest with F-value 18.886 > F-table 3.09 (significance 0.000) and a determination coefficient of 0.280. The management of Sembungan Tourism Village needs to improve the quality of attractions and accessibility to increase tourist visitation interest through diversification of attractions and improvement of transportation infrastructure.

Panji Sukma; Robin Pakudu; Sakbir Sakbir; Umar Sako Baderan

Jurnal Media Administrasi 2025 Universitas 17 Agustus 1945 Semarang, Indonesia

This study aims to describe the Accessibility of Management Information System Services at the Library and Archives Service of Gorontalo Regency. The research method uses a qualitative approach. The results of the study indicate that the Accessibility of Management Information System Services at the Library and Archives Service of Gorontalo Regency has not been running well, where of the three indicators measured there are two indicators that are not fully optimal, namely data access time and data accuracy, this can be seen from the many complaints from service users about the slow responsiveness of data or information needed by service users and frequent errors or inconsistencies between the data or information needed by service users and what is presented by the Management Information System. While one other indicator, namely access flexibility, is considered optimal, this can be seen from the time and method of the information access process which can really adjust to the conditions of service users, namely it can be accessed anytime and anywhere and in any way such as accessed via laptop, computer or smartphone.

Yuli Santri Isma; Depita Kardiati; Muslem Muslem; Sarrah Kurnia Fadhillah; Jamiati KN +2 more

Journal of Administrative and Sosial Science (JASS) 2025 Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

This study analyzes the role of digital transformation as a strategic instrument to expand public service accessibility in Indonesia. Through a Systematic Literature Review (SLR) of open-access national journals and relevant policy documents from the last decade, the research highlights how digitalization, particularly e-government implementation, enhances service efficiency, transparency, and inclusivity. Key findings indicate that digital platforms like SP4N-LAPOR! have improved public responsiveness and accountability, especially during the COVID-19 pandemic. However, challenges such as infrastructure disparities, uneven digital literacy, bureaucratic resistance, and data security risks hinder optimal outcomes. The study concludes that digital transformation significantly supports public service reform but requires integrated strategies, including infrastructure development, digital literacy programs, inclusive regulations, and multi-stakeholder coordination. These recommendations aim to bridge the digital divide and ensure equitable access to public services across all regions and vulnerable groups.

Vika Ummu Hani; Syarifah Putri Agustini Alkadri; Rachmat Wahid Saleh Insani

Jurnal Riset Rumpun Ilmu Teknik 2025 Pusat riset dan Inovasi Nasional

The problem of accessibility and efficiency of book search is still a major challenge in school libraries, especially those that still rely on manual systems. This study aims to implement and test the effectiveness of an information retrieval system (IRS) based on the Dice Similarity method in the SMA Negeri 1 Siantan Library, West Kalimantan. The research method used is experimental descriptive quantitative, with data collection through observation, interviews, and documentation, as well as system testing on collection data and library user activities. The system was developed using the Laravel framework and MySQL database, and evaluated using precision and recall metrics. The results showed that the system has a Precision value of 100% and a variable Recall value, with the highest value of 66.66% and the lowest of 14.28%. The implementation of this system significantly speeds up the search process, minimizes recording errors, and increases user satisfaction. The findings recommend the adoption of Dice Similarity-based IRS as an applicable solution for school libraries in supporting literacy and easy access to information. The findings are expected to be a reference for the development of library information systems in educational environments with limited resources.

Faisal, Mochamad; Sulistyowati, Sulistyowati; Amalia, Listiati; Sumantri, Andar Sri; Samekto, Agus Aji +2 more

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2025 FEB Universitas Maritim Semarang

Abstract. The background of this research is the rampant competition in the bus transportation business which is marked by the increasing number of bus transportation companies in several locations that are even close to each other, which results in customers being faced with a lot of choices. One of the famous transportation services in Blitar City is the Rosalia Indah bus. Ticket sales from PO Rosalia Indah are higher every day compared to other POs, such as PO Harapan Jaya. Therefore, transportation service companies compete with each other to attract consumers. This study aims to determine the effect of tariffs, accessibility, facilities and infrastructure on user interest. The population in this study were Rosalia Indah bus users, the sample of this study was 100 respondents. Sampling technique is nonprobability sampling  with the type of sampling, namely incidental sampling. The data analysis used in this study is descriptive analysis and quantitative analysis, the data were analyzed using multiple linear regression analysis with the help of  (software) Statistical Package For Social Science (SPSS) version 25. The results of the study by partially testing the t-test hypothesis showed that Rates, Accessibility, Facilities and Infrastructure have a positive and significant effect on increasing user interest.  Based on the research results, the regression equation model is Y = 1.821 + 0.424 + 0.263 + 0.178 + . the tariff variable with a regression coefficient of 0.424, the accessibility variable with a coefficient of 0.263, the variable of facilities and infrastructure with a regression coefficient of 0.178. From the regression equation, the tariff variable has the most dominant effect on increasing the number of users with an R2(R Square) test of 0.626 or 62.6% which means that user interest is influenced by tariff variables, accessibility, facilities and infrastructure, and other factors that influence Rosalia Indah bus user interest is 37.4% or 0.374.

Akasia Berutu; Raimond Agustin; Try Septiyando Sinaga; Yamowalo Zega; Jesica Sirait

jurnal ABDIMAS Indonesia 2025 STIKes Ibnu Sina Ajibarang

Villages are the smallest government structure in the Republic of Indonesia. Amborgang Village is located in an inland area of Porsea Sub-district that is difficult to access using the internet network, so many migrants from outside the village and tourists have difficulty finding road access to the village. The lack of clear road directions causes confusion and difficulty finding important locations of Amborgang Village, such as public facilities, hamlet names, and community service centers. The purpose of this research is to create informative and easy-to-understand road directions to improve accessibility in the village. The method used through qualitative and quantitative approaches, including determining the right location for the installation of the directions, creating an attractive and useful visual design. It also included informing the community about the use and function of the signage. The results of this project show a significant improvement in the ease of navigation to the Village facility center, this can be reviewed after the installation of road directions makes newcomers no longer need to ask questions to Amborgang Village residents.

Naufal Mu’ammar; Rida Mahmudah; Agus Afandi

Jurnal Pelayanan Masyarakat 2024 Lembaga Pengembangan Kinerja Dosen

This study focuses on analyzing the impact of accessibility, facilities, and experiences on the community's interest in visiting the Wonosari Village Hall in Grujugan, Bondowoso. The research employs a qualitative method based on a literature review, integrating various previous studies that have explored the community's interest in visiting the Wonosari Village Hall. Additionally, quantitative data were obtained through interviews with village officials and several local residents. The village hall itself plays a crucial role in supporting various administrative activities, including agendas related to both sub-district and district-level governance. The findings indicate that each variable significantly influences the community's interest in visiting the village hall. Accessibility contributes to the ease with which residents can reach the village hall, while facilities and experiences are closely linked to the satisfaction levels following their visit. Those three plays a key role in determining the extent of the community's reliance on the village hall services, particularly in the context of technological advancements that allow for the use of social media and the internet. This aims to contribute to the fields of education, social sciences, and environmental studies, and serve as a reference for other researchers interested in further exploring the Wonosari Village Hall.

Vika Mariska

Jurnal Ekonomi dan Keuangan Islam 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The rapid development of financial technology (fintech) provides innovative solutions to improve efficiency and accessibility in the Islamic finance sector. Islamic finance, based on Islamic principles, faces challenges in financial inclusion, high operational costs, and limited access to financial institutions. This study aims to explore the application of fintech as a solution to these issues. The research method used is literature review and qualitative analysis of various fintech models based on sharia principles, such as peer-to-peer lending, crowdfunding, and digital payments. The results indicate that fintech has significant potential in enhancing operational efficiency and expanding accessibility to sharia-compliant financial services. By utilizing technologies such as mobile applications and blockchain, fintech can reduce transaction costs and offer solutions for underserved communities. However, challenges related to sharia compliance and clear regulations need to be addressed to ensure the successful implementation of fintech in this sector.