The Impact of COVID-19 Pandemic on Islamic Financial Inclusion: An Analysis of Research Trends 2020-2023

Sulistiara Putri, Zaenafi Ariani, Nur Fitri Hidayanti, Ahmad Hulaimi, Ahadiah Agustina, Novi Yanti Sandra Dewi

Abstract


Abstract: This study aims to assess the impact of the COVID-19 pandemic on Islamic financial inclusion in Indonesia through a library research approach with an integrative review method. By reviewing literature from reputable databases such as Google Scholar, Scopus, and DOAJ during the period 2015-2024, this study identifies trends, contributions, and research gaps in the development of Islamic financial inclusion during the crisis. The analysis shows that the pandemic has become an important momentum in driving the digital transformation of the Islamic financial sector, strengthening the role of technology, and increasing collaboration between stakeholders. Service digitization, product innovation, and public education have emerged as the main strategies in expanding access to and participation in Islamic finance. However, the success of these initiatives is highly dependent on infrastructure readiness, adaptive regulations, and public digital literacy. The findings provide theoretical and practical contributions to the development of inclusive Islamic finance policies in the post-pandemic era. This study also recommends the need for further research on the effectiveness of digital Islamic finance education and its impact on MSMEs.


Keywords


Islamic Financial Inclusion, COVID-19, Integrative Review, Digitalization, Financial Literacy.

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