Digital Financial Twins in Islamic Microfinance: Evidence from Conflict-Affected Rural Economies (2020–2025)

Fayaz Gul Mazloum Yar, Ahmad Khosrow Sharifi · 2025 · Indonesian Journal of Multidisciplinary Science

Summary. Digital Financial Twin analytics significantly improve microfinance performance in conflict-affected rural areas. The study of five Islamic microfinance institutions across 120 rural districts found that DFT deployment increased on-time repayments by 5.8 percentage points and reduced default rates by 5.9 percentage points. DFT analytics also helped institutions maintain lending operations in high-conflict zones, demonstrating that digital technology can strengthen microfinance resilience in unstable economies.

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@article{yar-2025-digital-financial-twins-islamic-microfinance,
  title   = {Digital Financial Twins in Islamic Microfinance: Evidence from Conflict-Affected Rural Economies (2020–2025)},
  author  = {Fayaz Gul Mazloum Yar and Ahmad Khosrow Sharifi},
  journal = {Indonesian Journal of Multidisciplinary Science},
  year    = {2025},
  doi     = {10.55324/ijoms.v4i11.1181},
  url     = {https://doi.org/10.55324/ijoms.v4i11.1181}
}

TY  - JOUR
TI  - Digital Financial Twins in Islamic Microfinance: Evidence from Conflict-Affected Rural Economies (2020–2025)
AU  - Fayaz Gul Mazloum Yar
AU  - Ahmad Khosrow Sharifi
JO  - Indonesian Journal of Multidisciplinary Science
PY  - 2025
DO  - 10.55324/ijoms.v4i11.1181
UR  - https://doi.org/10.55324/ijoms.v4i11.1181
ER  - 

Details

DOI

10.55324/ijoms.v4i11.1181

Categories

funding, broadband-and-digital, policy, general-innovation

Added

2026-09-01