Harjoni Desky
Universitas Islam Negeri Sultanah Nahrasiyah Lhokseumawe

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Digital Transformation and Sustainability in Islamic Finance: Evidence from Geopolitical Uncertainty in an Emerging Regional Economy Rauzatul Jannah; Harjoni Desky; Iskandar Iskandar
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 15 No. 1 (2026)
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.0015

Abstract

Amid rapid digital advancement, empirical evidence linking digital transformation with sustainability principles in Islamic economics and finance remains limited. The evolution of this sector has increasingly reflected improvements in operational efficiency, expanded financial inclusion, and the emergence of technology-driven innovations. This study evaluates the effects of digital transformation, sustainable growth, and geopolitical uncertainty on the performance of Islamic economics and finance, with a focus on Islamic financial institutions in Lhokseumawe City. A quantitative approach is employed using Partial Least Squares–Structural Equation Modeling (PLS-SEM), based on data collected from 279 users of Islamic financial services. The findings reveal that digital transformation, sustainable growth, and geopolitical factors each exert a positive and significant influence on the performance of Islamic economics and finance. In addition, digital transformation functions as a mediating mechanism that links sustainable growth to financial performance, indicating its role in translating sustainability-oriented initiatives into measurable outcomes. These results highlight the importance of strengthening the integration between digital innovation and sustainability agendas, while also addressing external pressures arising from geopolitical uncertainty and global technological change. The study offers insights for advancing theoretical integration across these domains and provides direction for enhancing institutional adaptability, inclusiveness, and resilience within Islamic financial systems. Transformasi Digital dan Keberlanjutan dalam Keuangan Islam: Bukti dari Ketidakpastian Geopolitik di Ekonomi Regional Berkembang. Meski teknologi digital berkembang sangat pesat, studi empiris tentang hubungan antara transformasi digital dan prinsip keberlanjutan dalam ekonomi dan keuangan Islam masih terbatas. Transformasi digital telah mempengaruhi dinamika ekonomi dan keuangan Islam lewat peningkatan efisiensi operasional, perluasan inklusi keuangan, serta inovasi berbasis teknologi. Penelitian ini bertujuan menilai pengaruh transformasi digital, pertumbuhan berkelanjutan, dan ketidakpastian geopolitik terhadap kinerja ekonomi dan keuangan Islam, khususnya pada lembaga keuangan Islam di Kota Lhokseumawe. Penelitian ini menggunakan pendekatan kuantitatif dengan metode Partial Least Squares–Structural Equation Modeling (PLS-SEM). Data diperoleh dari 279 responden yang merupakan pengguna layanan keuangan Islam di Kota Lhokseumawe. Hasil studi menunjukkan bahwa transformasi digital, pertumbuhan berkelanjutan, dan faktor geopolitik memiliki pengaruh positif dan signifikan terhadap penguatan ekonomi dan keuangan Islam. Selain itu, transformasi digital berfungsi sebagai variabel mediasi yang menghubungkan pertumbuhan berkelanjutan dan kinerja keuangan Islam. Temuan ini menegaskan pentingnya pemanfaatan teknologi digital secara efektif sebagai mekanisme kunci dalam mendukung keberhasilan pertumbuhan berkelanjutan di sektor keuangan Islam. Studi ini memberikan kontribusi dalam pengembangan kerangka teoretis yang lebih terpadu serta menawarkan arah bagi peningkatan adaptabilitas, inklusivitas, dan ketahanan lembaga keuangan Islam.
Curriculum Relevance, Stakeholder Engagement, and Graduate Employability in Islamic Higher Education: Evidence from the KPI Graduate Program Kamaruzzaman Kamaruzzaman; Linur Ficca Agustina; Muhammad Saleh; Harjoni Desky
Itqan: Jurnal Ilmu-ilmu Kependidikan Vol. 17 No. 1 (2026): ITQAN: Jurnal Ilmu-ilmu Kependidikan
Publisher : Fakultas Tarbiyah dan Ilmu Keguruan (FTIK) IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/itqan.v17i1.7370

Abstract

Curriculum relevance has become a key indicator of higher education quality because it determines how well graduate competencies respond to workforce demands and stakeholder expectations. This study aims to assess the relevance of the Postgraduate Program in Islamic Communication and Broadcasting (KPI) curriculum at IAIN Lhokseumawe from the perspectives of alumni and institutional stakeholders. A qualitative descriptive approach was employed, involving twelve alumni and representatives from government institutions, schools, media organizations, communication agencies, and zakat institutions. Data were collected through semi-structured interviews, questionnaires, observations, and document analysis, and analyzed using the interactive model of Miles, Huberman, and Saldaña. The findings indicate that the curriculum remains relevant in fostering ethical awareness, interpersonal communication, collaboration, and community engagement. However, competencies related to analytical thinking, strategic communication, digital literacy, policy analysis, and continuous professional development require further strengthening to meet evolving labour market demands. Stakeholders emphasized the importance of closer collaboration between universities and professional sectors to ensure continuous curriculum improvement. Based on these findings, this study proposes a Transformative Curriculum Framework integrating labour market foresight, competency-based curriculum, experiential learning, Islamic values and local wisdom, and sustainable stakeholder partnerships. The framework provides a context-sensitive model for strengthening curriculum relevance, graduate employability, and stakeholder value within Islamic higher education.