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All Journal Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Jurnal Ekonomi Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Assoeltan: Indonesian Journal of Community Research and Engagement Al-Infaq: Jurnal Ekonomi Islam
FACHROZI. F
Universitas Islam Al-Azhar
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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Journal : Jurnal Ekonomi

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Sharia Microfinance Institutions' (SMIs) Resilience To Technological Disruption: Innovative Ecosystem Approaches On Lombok Island Riduan Mas’ud; Khamdan Rifa'i; Fachrozi Fachrozi; Fauzan Fauzan
Jurnal Ekonomi Vol. 13 No. 03 (2024): Jurnal Ekonomi, Edition July -September 2024
Publisher : SEAN Institute

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Abstract

This research explores the resilience of Sharia Microfinance Institutions (LKMS) on Lombok Island in facing the era of technological disruption. Using a qualitative approach with a case study method, this research focuses on technology adaptation and the implementation of an innovative ecosystem model that involves collaboration with fintech, educational institutions and local governments. The research results show that despite facing challenges such as limited technological infrastructure, high implementation costs, and resistance to change, LKMS in Lombok succeeded in increasing operational efficiency and expanding access to financial services through digital technology. Collaboration with fintech allows LKMS to access modern technology at more affordable costs, while collaboration with educational institutions and local governments helps increase literacy and public acceptance of digital services. This research concludes that innovation and collaboration are the keys to the success of LKMS in maintaining their relevance and positive contribution to financial inclusion and poverty alleviation in the digital era. These findings provide practical guidance for MFIs in other regions to adopt similar strategies to improve their operational resilience and effectiveness.
Co-Authors Anisa Savira Fauzan Fauzan Herawati Khotmi I Made Murjana Khamdan Rifa'i Khotmi, Herawati Kukuh Tondoyekti Mariana Mariana Mariana Riduan Mas’ud Selamat Riadi Yusi Faizathul Octavia Zulkarnaen