Optimal financial performance based on the use of sharia fintech followed by the stability
of Small and Medium Enterprises (SMEs) will have an impact on economic growth. This study aims
to analyze the financial performance of SMEs from a sharia economic perspective; analyzing the effect
of using sharia fintech on the financial performance and sustainability of SMEs and strengthening
human resource capacity, business diversification, business productivity, and product marketing to
improve financial performance and business sustainability of SMEs. The study uses a quantitative
survey approach. Data were obtained through questionnaires distributed to 350 respondents in
15 districts in the city of Makassar. The results of the study show that human resource capacity and
business diversification affect the financial performance of SMEs by 41.8%. Sharia fintech, human
resource capacity, business diversification, business productivity, and financial performance have a
positive effect on SME business sustainability with a determination coefficient of 65.9%. This study
recommends the management of SME businesses based on the use of sharia fintech in supporting the
sustainability of SME businesses in Makassar, Indonesia.
Optimal financial performance based on the use of sharia fintech followed by the stability
of Small and Medium Enterprises (SMEs) will have an impact on economic growth. This study aims
to analyze the financial performance of SMEs from a sharia economic perspective; analyzing the effect
of using sharia fintech on the financial performance and sustainability of SMEs and strengthening
human resource capacity, business diversification, business productivity, and product marketing to
improve financial performance and business sustainability of SMEs. The study uses a quantitative
survey approach. Data were obtained through questionnaires distributed to 350 respondents in
15 districts in the city of Makassar. The results of the study show that human resource capacity and
business diversification affect the financial performance of SMEs by 41.8%. Sharia fintech, human
resource capacity, business diversification, business productivity, and financial performance have a
positive effect on SME business sustainability with a determination coefficient of 65.9%. This study
recommends the management of SME businesses based on the use of sharia fintech in supporting the
sustainability of SME businesses in Makassar, Indonesia.