دور إستراتـــيجيّة ريادة الأعمال الرقميّــة في تطوير النِظام المالـــي الإسلامـــي

Abstract

This study investigates the impact of digital entrepreneurship strategies on developing Islamic financial systems and enhancing their efficiency, focusing on how digital entrepreneurship can contribute to this development. To address this problem, the theoretical framework analyzes the dimensions of digital entrepreneurship and the underlying philosophy of the Islamic financial system. This integration culminates in an empirical section that utilizes Fuzzy LogicMATLAB to build a simulation model and a fuzzy inference system based on three primary inputs.Through this mathematical modeling, the study proves that digital technology and smart applications significantly elevate the efficiency of the Islamic financial system by converting ambiguous risks into quantified, measurable safety indices, successfully narrowing the trust gap and safely driving banks toward authentic participatory financing. Moving beyond theoretical modeling, the findings materialize into a real-world application serving Islamic banking: the "SHARIAA-FINTECH" project. This innovative platform and digital application facilitates Sharia-compliant transactions and manages participatory financing with high integrity and transparency. Developed within an official business incubator, the project earned the "Innovative Project" label and secured top rankings nationally.