Financial technology-based transaction model in Sasak weaving MSMEs, Lombok

Rahayu, Yayuk Sri ORCID: https://orcid.org/0000-0001-6315-7943, Wardana, Guntur Kusuma ORCID: https://orcid.org/0000-0001-7901-1228, Fitriyah, Fitriyah ORCID: https://orcid.org/0009-0000-9402-9370 and Hasibuan, Razali Ade Syahputra (2026) Financial technology-based transaction model in Sasak weaving MSMEs, Lombok. Iqtishoduna: Jurnal Ekonomi dan Bisnis Islam, 22 (2). pp. 124-139. ISSN 2614-3437

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Abstract

Fintech development in Indonesia has created opportunities to expand the financial inclusion of MSMEs, with potential implications for poverty alleviation. However, barriers to accessing and using financial services continue to constrain MSME competitiveness, including among producers of Sasak woven fabric. This study examines the implementation and role of fintech in Sasak woven-fabric MSMEs in Lombok and identifies the barriers to its adoption. A qualitative research design was used, with data collected through face-to-face interviews, focus group discussions, direct observation, and photographic documentation. The findings show that the main fintech services used by Sasak woven-fabric MSMEs are QRIS and bank transfers. Fintech adoption is more extensive in Sukarara than in Sade. MSME actors in Sade generally have lower digital and financial literacy and continue to rely largely on cash transactions, whereas those in Sukarara receive cooperative support for non-cash transactions. Major barriers to wider fintech integration in Lombok's tourism economy include limited digital and financial literacy and insufficient sustained institutional support. Banks, government agencies, and local communities should therefore collaborate to strengthen digital literacy and develop fintech-enabled infrastructure.

Item Type:	Journal Article
Keywords:	micro small and medium enterprises; financial technology; sasak lombok
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150201 Finance
Divisions:	Faculty of Economics > Department of Islamic Banking
Depositing User:	Guntur Kusuma Wardana
Date Deposited:	04 Nov 2026 08:58

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