Sharia-Compliant Digitalisation of Microeconomics Communities: Integrating Halal Fintech and Maqasid al-Shariah in Empowering Minangkabau MSMEs
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Background.
The rise of digital transformation offers significant opportunities for empowering microeconomic communities. However, for regions like Minangkabau, which are deeply rooted in Islamic values and traditional entrepreneurship, ensuring that such digitalisation aligns with sharia principles is crucial. A mismatch between financial technologies and Islamic ethics can hinder both adoption and effectiveness.
Purpose.
This study aims to develop a sharia-compliant digital empowerment framework for Minangkabau MSMEs by integrating Halal fintech solutions with the principles of Maqasid al-Shariah, thereby fostering ethical, inclusive, and sustainable economic growth.
Method.
Using a mixed-methods approach, this research involved qualitative interviews with MSME owners, fintech developers, and Islamic finance experts, along with quantitative surveys distributed among small business actors in Tanah Datar and Padang Panjang. The data were analyzed to map current digital practices, identify sharia compliance gaps, and construct a strategic integration model.
Results.
The study reveals that most Minangkabau MSMEs demonstrate high readiness for digital transformation but require greater literacy on Halal fintech and sharia-based financial tools. The proposed model emphasizes digital literacy, ethical financing, and community-based trust mechanisms underpinned by Maqasid al-Shariah, including the protection of wealth (hifz al-mal) and promotion of justice (adl).
Conclusion.
This research provides a conceptual and practical roadmap for integrating Islamic financial ethics into the digital empowerment of microeconomic communities. The proposed model is expected to serve as a scalable framework for regions seeking to harmonize technology with local religious and cultural values.
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