Islamic fintech has emerged as an innovative mechanism for promoting financial inclusion and addressing socioeconomic challenges in developing economies. By integrating technological innovation with Shariah-compliant financial principles, Islamic fintech offers accessible and affordable financial services to underserved and financially excluded populations. Despite the rapid growth of Islamic digital finance, limited empirical studies have examined its role in poverty alleviation through the mediating effect of digital financial inclusion within the framework of Maqasid al-Shariah. This study investigates the relationship between Islamic fintech adoption, digital financial inclusion, and poverty alleviation, emphasizing the higher objectives of Islamic law in promoting social justice, economic welfare, and equitable wealth distribution. Drawing upon Financial Inclusion Theory, Technology Acceptance Model (TAM), and Maqasid al-Shariah Theory, the study develops an integrated conceptual framework explaining how Islamic fintech contributes to inclusive economic development. Evidence from previous studies indicates that fintech innovation significantly enhances access to financial services, particularly among unbanked and underbanked communities, thereby improving entrepreneurial opportunities and household welfare (Cheumar & Yunita, 2022). Furthermore, Islamic financial institutions that emphasize transparency, governance quality, and community empowerment contribute positively to sustainable socioeconomic development (Cheumar et al., 2023). The study proposes that digital financial inclusion mediates the relationship between Islamic fintech adoption and poverty alleviation outcomes. The findings are expected to provide valuable implications for policymakers, fintech providers, Islamic financial institutions, zakat agencies, and cooperative organizations seeking to strengthen financial inclusion and reduce poverty through sustainable digital finance initiatives. Ultimately, the study demonstrates that Islamic fintech can serve as an effective instrument for achieving the objectives of Maqasid al-Shariah while supporting inclusive and sustainable economic growth.
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