Shari'ah Fintech and Digital Economic Transformation: An Innovative Strategy to Reduce Gen Z Unemployment

Yori Kurniawati; Pujy Yonesha; Hesi Eka Puteri

Authors

Yori Kurniawati UIN Sjech M.Djamil Djambek Bukittiggi
Pujy Yonesha UIN Sjech M.Djamil Djambek Bukittiggi
Hesi Eka Puteri UIN Sjech M.Djamil Djambek Bukittiggi

Keywords:

Shari’ah fintech, Digital economic transformation, Gen Z unemployment, Islamic financial literacy, Youth entrepreneurship

Abstract

The high unemployment rate among Generation Z is a serious challenge for Indonesia's economic development. In the midst of digital transformation, Islamic fintech emerges as an alternative strategy in expanding financing, creating new jobs, and improving the financial literacy of the younger generation. This research uses a descriptive qualitative approach through literature review to examine the role of sharia fintech in reducing Gen Z unemployment. The results show that platforms such as ALAMI and Dana Syariah not only provide financing based on halal contracts, but also provide digital entrepreneurship training and Islamic financial literacy. Islamic fintech has proven to be able to bridge Gen Z's skills gap and economic access through inclusive financing models, Islamic ethical values, and adaptive digital ecosystem support. However, challenges such as low sharia literacy and limited infrastructure still require further attention.

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