SHARIAH-BASED DIGITAL SYNERGY FOR LOCAL ECONOMIC EMPOWERMENT THROUGH MSMES AND SMART VILLAGES

Abstrak

Digital transformation is reshaping economic systems across Muslim majority countries, yet its alignment with Islamic ethical governance remains limited in practice. This paper proposes a Shariah-Based Digital Synergy Framework that integrates MSME empowerment, Islamic social finance, and smart village innovation through the lens of maqasid al-Shariah. The novelty of this study lies in its dual contribution: (1) constructing an ethical digital-economic framework grounded in the objectives of Shariah, and (2) demonstrating its real-world applicability through the Pekanbaru Smart Village initiative in Desa wisata tebing Tinggi Okura. Using qualitative thematic analysis of academic sources, policy documents, and field reports, the study finds that Shariah-compliant digital platforms supported by LinkAja Syariah, BAZNAS Riau, and local government enable MSMEs to achieve measurable improvements in market access and financial inclusion. Empirical institutional data show that digitally enabled MSMEs in Indonesia experience an 18–30% increase in sales, averaging 23% between 2022 and 2024. Furthermore, the Okura Smart Village model illustrates how Islamic social finance, halal-fintech integration, and community-based digital literacy can operationalize justice, transparency, and welfare the core objectives of Maqasid al-Shariah. This study contributes both conceptually and practically by offering a replicable ethical digital model for empowering local economies in Muslim societies.