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Through literature studies and case analysis, this research in-depth examines the sharia fintech business model based on zakat and waqf. This research identifies potential, challenges, and provides policy recommendations to support the growth of this business model. The research results show that this business model has great potential in increasing financial inclusion and expanding the reach of beneficiaries. This research aims to examine how sharia fintech can contribute to improving social welfare through more effective management of zakat and waqf

Fintech (Financial Technology) has experienced a very rapid increase in Indonesia over the past few years and has an important role in the economy. This journal aims to explain the opportunities and challenges of Fintech in Indonesia. This research uses a qualitative descriptive approach method by analysing various references related to the development of fintech in Indonesia. In the results of this journal research explain that the development of Fintech in Indonesia from year to year continues to increase, Fintech opportunities continue to increase, especially sharia fintech, supported by the majority of the population who are Muslim Kharisma. While the challenge of Fintech is the absence of clear and comprehensive regulations to regulate fintech activities, especially coordination between related institutions such as Bank Indonesia and the Financial Services Authority (OJK).

This research explores the digital transformation in Islamic philanthropy, particularly through the optimization of zakat and waqf management using Islamic fintech. The digital economy and fintech present significant opportunities to enhance the efficiency and transparency in collecting and distributing Islamic philanthropic funds. By leveraging modern financial technology, zakat and waqf can be managed more effectively, ensuring precise and accountable distribution. The study also emphasizes the importance of Islamic financial literacy in supporting public participation in the digital economy. The findings show that integrating fintech in zakat and waqf management not only improves transparency and efficiency but also strengthens public trust in the Islamic financial system. Therefore, this research suggests further development of Islamic fintech technologies and enhanced educational programs to support the growth of Islamic philanthropy in the digital era. The research further emphasizes the necessity for comprehensive financial education programs and easily accessible information to enhance Islamic financial literacy among the broader public. Collaborative efforts between the government, financial institutions, and educational bodies are crucial to developing and promoting fintech solutions that comply with Sharia principles. Integrating technology into Islamic philanthropy not only optimizes fund management but also contributes to broader social and economic development goals by supporting more inclusive and sustainable growth. Consequently, Islamic fintech holds immense potential to revolutionize the management of zakat and waqf, fostering a more resilient and trusted financial ecosystem within the Muslim world.

In the current digital era, not all human needs can be separated from technology. Technological developments in the field of finance known as financial technology (fintech) mean that all companies, especially banking, including Sharia banking, must take advantage of the role of fintech as a tool to increase competitiveness in the digital era. The development and use of Sharia banking technology is still a matter of concern, because it is feared that it will not be in line with Islamic economic views. This research aims to analyze the ability of Sharia banking institutions in Indonesia to maintain their existence in the digital era. Bank Syariah Indonesia has the potential to survive in the current era by utilizing existing technology through human resources and the presence of fintech.

Disruption of Islamic financial institutions in technology has become a necessity due to developments in technology and information. This development is expected to make it easier for sharia financial institutions to provide operational services. Collaboration with financial technology (fintech) is a good thing in its development. Fintech, which was originally a rival, has changed its paradigm to become a partner. This is a phenomenon why the revolution in technology and fintech collaboration is very important, so that Islamic financial institutions are aware of these developments. And in tandem with facilitating institutions to socialize and regulate technology and fintech.

The background of this research is that the transformation of the global economy has encouraged innovation in various sectors, including the Islamic economic sector in recent decades. The emergence of digital financial technology (FinTech) has provided new opportunities for the Islamic economy to encourage inclusive and sustainable growth. This research uses a literature study research method by reviewing and analyzing several journals that are closely related to the topic of discussion. This literature study approach involves collecting, evaluating, and analyzing various relevant literature sources to understand the interrelationship between the Islamic economy, digital fintech innovation, and sustainability principles. The result of this study is that the role of technology in supporting halal transactions includes technology can be an effective tool to increase awareness and understanding of Islamic financial principles, technology can be used as a campaign site to spread information about Islamic economics through interesting and easy-to-understand content, technology can create websites that focus on Islamic economics, and financial transactions can become easier and more efficient. Islamic fintech utilizes technological advances to offer transparent, efficient, and secure financial services to the unbanked. In addition, Islamic fintech supports sustainability by following sharia principles that prohibit riba (interest), gharar (uncertainty), and encourage fair and transparent financing.

The rapid development of technology has significantly influenced various economic sectors, including finance. Digitalization has introduced opportunities to create more efficient, transparent, and inclusive financial services. Within Islamic finance, technological advancements address challenges such as limited access to Sharia-compliant financial services and complexities in applying Sharia principles practically. One notable innovation is Sharia-based financial technology (fintech), which combines Islamic values with modern technology to provide accessible, ethical, and sustainable financial solutions. This study explores the potential and challenges of Sharia fintech in Indonesia, a country with the largest Muslim population globally. Sharia fintech, including crowdfunding, peer-to-peer lending, and halal digital payment platforms, promotes financial inclusion while adhering to Islamic principles. However, its growth faces regulatory hurdles, consumer protection issues, and a lack of public literacy about Sharia-compliant financial products. The research highlights the role of the government and regulatory bodies such as the Financial Services Authority (OJK) in providing a supportive framework, including legal certainty, technological infrastructure, and public education initiatives. The findings emphasize that effective regulations and strategic government support are critical to fostering Sharia fintech as a pillar of the Islamic economy. With strengthened collaboration between stakeholders, Sharia fintech can contribute significantly to financial inclusion and sustainable economic development in Indonesia.

This article discusses alternative Islamic finance as a solution without usury in the contemporary era. The background to this research focuses on the negative impact of usury practices in the conventional financial system and increasing public awareness of the importance of ethical transactions. The aim of this research is to analyze the influence of sharia financial products on people's financial welfare and to evaluate the level of understanding and adoption of sharia financial products in society. This research uses quantitative methods with descriptive and inferential statistical approaches, which include surveys of various community groups who use sharia financial products. The research results show that Islamic financial products such as murabahah, musyarakah, and mudarabah not only encourage more ethical investments, but also increase local economic growth and support sustainable development. However, the main challenge faced is the public's low understanding of sharia principles, which hinders optimizing the potential of this sector. Financial technology (fintech) and collaboration between sharia financial institutions and the government are identified as important factors in expanding access and increasing financial inclusion. In conclusion, despite challenges such as a lack of understanding and the need for better regulation, Islamic finance has great potential to become a key pillar in a fairer and more sustainable global financial system. This research provides recommendations that more efforts should be made to improve education, transparency and collaboration to strengthen the Islamic finance sector in the future.

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.

This research explores the influence of financial literacy, self-confidence in managing personal finances, and the use of fintech payments on the personal financial management of Sharia Financial Management students at UIN Sayyid Ali Rahmatullah Tulungagung. This research is motivated by students' lack of understanding regarding personal financial management, which has the potential to affect their readiness to face financial challenges in the future. Through good financial literacy and self-confidence in managing finances, students are expected to be able to manage their finances more wisely. On the other hand, the use of fintech payments is also thought to have an influence on students' financial management behavior. This research uses a quantitative approach with associative methods and purposive sampling techniques, involving 86 students from the class of 2020-2022. Data was collected via questionnaire, then analyzed using multiple linear regression via SPSS-26. The research results show that financial literacy, financial self-efficacy, and payment fintech together have a positive and significant influence on personal financial management, financial literacy has a positive and significant influence, financial self-efficacy has a positive and significant influence, and payment fintech also has an influence positive and significant on students' personal financial management.

In the rapidly developing digital era, Sharia Financial Institutions (LKS) have a great opportunity to innovate and adapt to modern technology to support economic growth, especially for Generation Z. This research aims to identify optimization steps that can be taken by LKS in facing transformation digital, as well as exploring the role of sharia financial technology (fintech) in advancing the technology industry. Generation Z, as a highly tech-savvy group, has different needs and preferences than previous generations. Therefore, LKS is required to integrate digital-based financial services that are in accordance with sharia principles, so that they can be more attractive and serve this segment. This research uses a qualitative approach with literature studies and in-depth interviews with industry practitioners. The research results show that collaboration between LKS and sharia fintech, development of inclusive digital platforms, and increasing sharia financial literacy among Generation Z are key factors in advancing the sharia technology industry. This optimization will not only increase the competitiveness of LKS, but also support the sustainable development of the sharia digital economy.

This study aims to analyze strategies for product innovation in Islamic finance to enhance financial inclusion, a significant challenge in countries with large Muslim populations such as Indonesia. The research employs a qualitative approach, utilizing data from various literature sources, including academic journal articles, reports from Islamic financial institutions, and government regulations. The findings reveal that Islamic financial product innovation can be categorized into new product development, digital technology adoption, improvement of Islamic financial literacy, and cross-sectoral collaboration. Products such as microfinance based on Sharia contracts, digital waqf savings, and technology-driven Takaful insurance exemplify innovations aligned with modern societal needs. Additionally, Islamic fintech platforms have expanded financial access for remote communities, despite challenges such as low digital literacy and limited infrastructure. Islamic financial literacy emerges as a crucial element influencing public trust and participation in formal financial systems. In practice, cross-sector collaboration among Islamic financial institutions, governments, and the technology sector serves as a strategic approach to address regulatory barriers, competition with conventional sectors, and inconsistent global standards. This study recommends strengthening regulations, enhancing financial literacy, developing inclusive digital technologies, and fostering international cooperation to support the sustainable growth of the Islamic finance sector. With integrated strategies, Islamic finance holds significant potential not only to improve financial inclusion but also to create a fairer, more inclusive financial system that aligns with Islamic values in the modern era.

Hawalah is the concept of debt transfer in Islamic law which is increasingly relevant in the digital era through the application of technology in the financial sector, such as fintech platforms. This research aims to explore the understanding of hawalah, including its sharia principles, as well as its benefits and risks in the context of modern finance. This research uses a qualitative descriptive method through literature studies that examine classical Islamic legal texts as well as books and journals related to sharia economic law. The research results show that hawalah allows debt transfer with the principle of being free from usury and gharar, and has pillars that must be fulfilled by the three parties involved: muhil, muhal, and muhal alaih.

Financial technology (fintech) services in Indonesia are growing rapidly, including sharia fintech that operates based on sharia principles. DSN-MUI Fatwa No. 117/DSN-MUI/IX/2018 is the operational basis for sharia fintech, although the Financial Services Authority (OJK) has not fully integrated it into binding regulations. This study examines sharia compliance in sharia fintech services using library research methods. The results of the study indicate that although sharia fintech has grown, stronger legal instruments are needed so that sharia compliance is implemented comprehensively. The role of the Sharia Supervisory Board (DPS) is very important in ensuring that sharia principles are implemented. However, supervision and legal protection for sharia fintech consumers are still minimal. Therefore, special regulations and strengthening of the DPS function are needed to ensure that sharia fintech truly complies with Islamic legal principles, maintains the existence of fintech, and increases consumer trust.

Innovation in sharia-based financial technology (sharia fintech) provides solutions to challenges in the microfinance sector, especially for micro, small, and medium enterprises (MSMEs) who have difficulty accessing conventional financial services. This study aims to analyze the role of sharia fintech in microfinance and its impact on economic empowerment. The method used is a qualitative descriptive analysis through literature studies, which includes a review of sharia fintech platforms operating in Indonesia. The results of the study show that sharia fintech has succeeded in providing easier and more transparent access to financing for MSMEs with the principle of risk sharing, which supports financial inclusion. Sharia fintech also increases the competitiveness of MSMEs and encourages economic growth. However, challenges related to regulation, financial literacy, and data security still need to be overcome to maximize the potential of sharia fintech. This study concludes that sharia fintech is an effective digital solution in supporting economic empowerment in Indonesia.

Along with the development of technology in the digital era, Islamic accounting has increased from year to year. Life in accounting such as reading, recording, and calculating is now starting to be transferred to technology. This study was conducted to determine the impact of digitalization on Islamic accounting in Indonesia, as well as the opportunities and challenges for the Islamic accounting profession. Digital transformation includes the application of these innovations such as financial technology (fintech), blockchain, and artificial intelligence in the context of Islamic finance. This article discusses the opportunities and challenges faced by Islamic financial institutions in implementing Islamic accounting in the digital era. On the one hand, digitalization opens up opportunities to increase efficiency, accuracy, and transparency in Islamic financial reports, as well as expand public access to Islamic-based financial products. On the other hand, challenges related to the complexity of integrating digital systems that comply with Islamic principles, data security, and effective supervision are still important issues. The results of this study indicate that digitalization has a significant influence on the growth of Islamic-based accounting, especially in Indonesia.  

This study explores the dynamics of digital investment in Indonesia within the framework of Islamic economics. The rapid advancement of technology has facilitated the growth of Sharia-compliant investments through digital platforms, making investment more accessible to the Muslim population. This research categorizes several prominent types of Sharia-compliant digital investments, including Online Sharia Mutual Funds, Sharia-Compliant Stocks, UMKM Crowdfunding, Digital Gold, and Online Sharia Property. Each type is evaluated based on its adherence to Islamic principles, legal regulations, and associated risks and opportunities. The study finds that while digital investment platforms offer considerable accessibility and inclusivity, ensuring Sharia compliance remains a challenge amid evolving regulations and technological innovations. Furthermore, the study addresses the regulatory frameworks that oversee these investment types, such as POJK regulations and MUI fatwas, which play a crucial role in maintaining compliance. This research contributes to the ongoing development of Islamic digital finance in Indonesia, providing insights for regulators, platform providers, and investors who seek to expand Sharia-compliant digital investments responsibly.

Students are equipped with the knowledge necessary to acquire the skills they will obtain after completing their education through the use of various facilities, learning resources and learning methods that are in line with their abilities, and are expected to be able and willing to face life. With basic knowledge and comprehensive financial insight, students are expected to be able to manage their finances appropriately and wisely and determine policies to prevent financial problems. It is believed that students' personal financial management can be influenced by financial literacy, financial self-efficacy, and fintech payments. The aim of this research is to determine the influence of financial literacy, financial self-efficacy, and fintech payments on students' personal financial management among FEBI UIN STS Jambi students. This research was carried out using a quantitative descriptive approach and carried out direct observations in the field. The research results obtained are that there is a positive and significant influence of the variables financial literacy (X1), financial self-efficacy (X2), and fintech payments (X3) on students' personal financial management (Y). And the influence of the variables sharia financial literacy, financial cell efficacy and fintech payments on students' personal financial management has an influence of 71.9% and the rest is influenced by other variables from outside this research.

In today’s modern era, humans have a life with endless activities and technological developments that is currently maturing in indonesia is financial Technology. Financial Technology (fintech) is the latest innovation in the financial service system which is touched by modern technology, to make it easier for people to make payments, investments, borrow money, transfer money and so on. The problem formulation for this (1) do usability factors influence students’interest in using sharia fintech (2) can trust factors influence students’interest using sharia fintech (3) can risk factors influence students’interest using sharia fintech. The aim of this reseacrh is to look at the backround of the problem is to find out the factors that influence interest using sharia fintech at UIN STS Jambi. Based on the result of previous research, the following conclusions can be conveyed in this research (1) The result of the research show that partially the perception of usefulness is not influence in mintst using financial technology with a significance value of 0.103. (2) The research results show that partially trust has no effect on interest in using Financial technology with significance value of 0.060/ (3) The research results show that partially risk has an effect on interest in using financial Technology with a significance value of 0.000   (4) base on the test results, it is known that the value reaches 116.391, while the significance value is 0.000. this shows that perceived usefulness of trust and risk influence interest in using Financial Technology

Abstract. The digital era has brought significant changes across various sectors of life, including the economy. The continuously evolving digital technology presents new opportunities and challenges, particularly in the implementation of Islamic economics in Indonesia. This article aims to analyze the innovations and implementation of Islamic economics in facing the developments of the digital era. The theoretical review covers the principles of Islamic economics, technology in the digital era, and the role of digital technology in the context of Islamic economics. This research employs a literature review method to understand various innovations and implementations in Islamic economics. The study results show that Islamic fintech, blockchain, Islamic crowdfunding, and collaboration with E-Commerce marketplaces have had a positive impact by enhancing access, transparency, and efficiency in financial transactions. By leveraging technological innovations, Islamic economics can contribute to creating an inclusive and sustainable economic system, benefiting individuals and society as a whole. Keywords: Digital Era, sharia economics, Technological Innovation   Abstrak. Era digital telah membawa perubahan signifikan di berbagai sektor kehidupan, termasuk ekonomi. Teknologi digital yang terus berkembang memberikan peluang dan tantangan baru, khususnya dalam implementasi ekonomi syariah di Indonesia. Artikel ini bertujuan untuk menganalisis inovasi dan implementasi ekonomi syariah dalam menghadapi perkembangan era digital. Kajian teori mencakup prinsip-prinsip ekonomi syariah, teknologi di era digital, dan peran teknologi digital dalam konteks ekonomi syariah. Penelitian ini menggunakan metode kajian literatur untuk memahami berbagai inovasi dan implementasi dalam ekonomi syariah. Hasil studi menunjukkan bahwa fintech syariah, blockchain, crowdfunding syariah, dan kolaborasi dengan E-Commerce marketplace telah membawa dampak positif dengan meningkatkan akses, transparansi, dan efisiensi transaksi keuangan. Dengan memanfaatkan inovasi teknologi, ekonomi syariah dapat berkontribusi dalam menciptakan sistem ekonomi yang inklusif dan berkelanjutan, menguntungkan individu dan masyarakat secara keseluruhan. Kata kunci: Era Digital, Ekonomi Syariah, Inovasi Teknologi