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All Journal Talaa : Journal of Islamic Finance Jurnal Ekonomi, Teknologi dan Bisnis
R. Ilfan Muhammad Abdurrasyid
Universitas Islam Negeri Siber Syekh Nurjati Cirebon, Indonesia
Astronomy Economics, Econometrics & Finance Engineering Industrial & Manufacturing Engineering Mechanical Engineering

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Spiritual Values in The Economic Practices of Al-Bahjah Students in Central Cirebon Neng Ulpa Apipah; Rosidah Rosidah; Umamah Mumtazah Askhiyah; Tarudi Tarudi; R. Ilfan Muhammad Abdurrasyid
Jurnal Ekonomi Teknologi dan Bisnis (JETBIS) Vol. 4 No. 11 (2025): Jurnal Ekonomi, Teknologi dan Bisnis
Publisher : Al-Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/w4rx0187

Abstract

Pesantren in Indonesia function not only as centers of religious learning but also as spaces for forming Islamic-based economic values. Despite growing scholarly interest in pesantren entrepreneurship, the spiritual dimensions underpinning santri economic practices remain empirically underexplored. This study aims to explore the spiritual values embedded in the economic practices of santri at Al-Bahjah Islamic Boarding School, Central Cirebon, and to understand how these values shape the pesantren's economic culture. Methods: A qualitative case study design incorporating ethnographic techniques was employed. Data were collected through participatory observation and semi-structured in-depth interviews with three purposively selected informants — one institutional treasurer and two active santri — over three days (27–29 October 2025). Findings reveal that economic activities within the pesantren serve not merely as financial transactions but as a medium of moral and spiritual education. Core values — honesty (ash-shidq), trustworthiness (al-mas'uliyyah), blessing (al-barakah), and mutual help (ta'awun) — underpin every economic interaction. Distinctive practices including e-money as a moral governance instrument, integration of sholawat and dhikr into economic activities, and selective procurement of goods free from pro-Israel products constitute an economy grounded in spirituality and social accountability. The economic practices of Al-Bahjah santri represent a manifestation of spiritual economy that integrates economic, moral, and theological dimensions within a single cultural practice, offering an alternative paradigm that enriches Islamic economics discourse rooted in pesantren culture.
Digital Transformation Strategies of Islamic Banks to Enhance Financial Inclusion: A Literature Review Fakhri Ahmad Zainunnuri; Sri Dewi Miladiyah; R. Ilfan Muhammad Abdurrasyid; Amin Basir; Popon Srisusilawati
Talaa : Journal of Islamic Finance Vol. 6 No. 1: June 2026
Publisher : Department of Sharia Financial Management, Institut Agama Islam Negeri Sultan Amai Gorontalo, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/talaa.v6i1.804

Abstract

This study examines the challenge of low Islamic financial inclusion in Indonesia despite the growth of digital financial services and Islamic financial literacy. Although digitalization has expanded access to financial services, Islamic banks still face difficulties in translating technological advancement into broader and sustainable Sharia-compliant inclusion. This condition highlights the need for an integrated digital transformation strategy that aligns organizational capabilities with user acceptance within the Islamic finance framework. Using a qualitative literature review of academic studies and institutional reports, this study analyzes digitalization strategies in Islamic banking. The findings show that Islamic banking applications, collaboration with halal fintech, strengthened technological infrastructure, and maqashid sharia-based product innovation increase the adoption of Islamic financial services. Theoretically, this study integrates the Technology Acceptance Model and Dynamic Capabilities Theory to explain how organizational readiness and user perceptions jointly support digital transformation. The study confirms that digitalization can accelerate Islamic financial inclusion when aligned with Sharia-based values.
Co-Authors Amin Basir Fakhri Ahmad Zainunnuri Neng Ulpa Apipah Popon Srisusilawati Rosidah Rosidah Sri Dewi Miladiyah Tarudi Tarudi Umamah Mumtazah Askhiyah