PERAN KEUANGAN MIKRO SYARIAH TERHADAP KETAHANAN EKONOMI RUMAH TANGGA DI ERA DISRUPSI DIGITAL : PENDEKATAN KUANTITATIF DI KAWASAN ASIA TENGGARA
DOI:
https://doi.org/10.70248/jakpt.v3i1.2539Abstract
Penelitian ini bertujuan mengkaji peran keuangan mikro Syariah terhadap ketahanan ekonomi rumah tangga di kawasan Asia Tenggara dalam konteks disrupsi digital. Menggunakan pendekatan library research dengan desain integrative literature review, studi ini mereview literatur empiris dan konseptual dari tahun 2015 hingga 2024 yang diperoleh melalui Google Scholar, Scispace, DOAJ, dan Scopus. Hasil sintesis menunjukkan bahwa lembaga keuangan mikro Syariah (LKMS) berperan penting dalam meningkatkan pendapatan, konsumsi, dan akumulasi aset rumah tangga, serta memperkuat UMKM sebagai penopang ekonomi keluarga berpenghasilan rendah. Namun, efektivitas LKMS masih dibatasi oleh rendahnya literasi keuangan, keterbatasan digitalisasi, dan tingginya biaya operasional. Perbedaan regulasi dan konteks ekonomi antarnegara juga memengaruhi optimalisasi peran LKMS secara regional. Dengan mengintegrasikan pendekatan etis dan teknologi keuangan Syariah (Islamic FinTech), keuangan mikro Syariah berpotensi memperkuat ketahanan ekonomi rumah tangga secara berkelanjutan. Temuan ini menekankan pentingnya strategi literasi keuangan, digitalisasi layanan, dan kebijakan adaptif yang terintegrasi. Studi ini memberikan kontribusi konseptual dan praktis terhadap pengembangan sistem keuangan mikro Syariah yang inklusif dan resilien di era transformasi digital.
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