Fintech Untuk Semua Menjembatani Kesenjangan Akses Keuangan di Pedesaan Indonesia 2025

Nur Aima Shafie1; Saiful Bakhri; Risa Umami

doi:10.55757/tasharruf.v6i2.1153

Fintech Untuk Semua Menjembatani Kesenjangan Akses Keuangan di Pedesaan Indonesia 2025

Authors

Nur Aima Shafie1 Universiti Teknologi MARA
Saiful Bakhri Universitas Nahdlatul Ulama Pasuruan
Risa Umami Universitas Nahdlatul Ulama Pasuruan

DOI:

https://doi.org/10.55757/tasharruf.v6i2.1153

Keywords:

Financial Inclusion, MSMEs, Progressive Regulation, QRIS, Rural Fintech, Triple-Helix

Abstract

This study analyzes the strategic role of fintech in addressing the gap in access to rural finance in Indonesia in 2025, using a qualitative approach by applying the literature review method. Structural gaps remain critical (rural financial inclusion index: 75.7% vs urban 89.2%), triggered by a triad of digital infrastructure problems(22% of villages have unstable electricity), dual literacy (only 35% understand fintech products), and gender gap (female account ownership: 74.3%).Through a qualitative approach, the 2026-2030 Agenda focuses on regulatory harmonization.blockchain, gender affirmation (40% quota of female LKD agents), expansiongreen fintechfor renewable energy, as well as the construction of 300 4G/5G towers and trainingcyber hygiene20,000 agents. Research concludes that rural financial justice can only be achieved through the integration of adaptive regulation-inclusive infrastructure-local wisdom-based education,with risk mitigationdigital colonialism and ESG principles as pillars of sustainability.

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Published

2025-05-11

How to Cite

Shafie1, N. A., Bakhri, S., & Umami, R. (2025). Fintech Untuk Semua Menjembatani Kesenjangan Akses Keuangan di Pedesaan Indonesia 2025. Tasharruf : Journal of Islamic Economics and Business, 6(2), 51–62. https://doi.org/10.55757/tasharruf.v6i2.1153