ABSTRACT
The influence of faith on financial behaviours remains a significant issue amidst the rapid growth of Indonesia's digital finance sector. This research explores how Sharia principles are integrated into financial technology and how this integration fosters financial inclusion and resilience, contributing to Sustainable Development Goals (SDGs) 8 (Decent Work and Economic Growth) and 9 (Industry, Innovation, and Infrastructure). This study employs a multiple case study analysis of two faith-based fintech companies. These companies effectively merge Sharia principles with financial technology by embedding Islamic values into their core operations, marketing strategies, and services. This integration addresses barriers faced by underserved populations, particularly in rural and remote areas, while enhancing financial literacy and empowering users to make informed financial decisions aligned with Islamic teachings. Furthermore, their peer-to-peer lending models play a crucial role in supporting micro and small businesses, driving local economic development. This study underscores the potential of combining Sharia principles with financial technology to enhance financial inclusion and resilience in Indonesia. It recommends that policymakers and practitioners develop regulatory frameworks that encourage growth while strictly adhering to Sharia principles.
