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All Journal Al-Kharaj: Journal of Islamic Economic and Business Jurnal Administrasi Bisnis Jeinsa : Jurnal Ekonomi Ichsan Sidenreng Rappang
Andi Farhami Lahila M
Universitas Islam Negeri Palopo
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Digital Transformation, Sharia Compliance, and Customer Loyalty in Islamic Banking: A Systematic Literature Review Jumarni Jumarni; Andi Farhami Lahila M; Siradjuddin Siradjuddin; Andi Nurrahma Gaffar; Siti Nur Reskiyawati Said
Jurnal Administrasi Bisnis VOL 5, NO 2 (2026) May
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jab.v5i2.85803

Abstract

This study aims to systematically review the literature on digital transformation, sharia compliance, and customer loyalty in Islamic banking. The development of digital services such as mobile banking, internet banking, e-banking, and electronic service quality has changed the way Islamic banks interact with their customers. At the same time, Islamic banking has distinctive characteristics because customer loyalty is not only influenced by digital service quality, but also by sharia compliance, religiosity, trust, and sharia governance. This study employs a systematic literature review approach by analyzing 27 articles related to digital banking, Islamic mobile banking, e-service quality, sharia compliance, religiosity, trust, satisfaction, and customer loyalty. The findings show that e-service quality and mobile banking service quality are the most dominant digital transformation factors in shaping customer satisfaction and loyalty. Meanwhile, sharia compliance, religiosity, Islamic trust, halal banking attitude, and Sharia governance play important roles in building customer trust, satisfaction, and loyalty in Islamic banking. The findings also indicate that customer satisfaction and e-satisfaction are the most dominant mediating variables, while trust is important but does not always directly influence loyalty. This study proposes an integrative conceptual framework that positions digital transformation and sharia compliance as two main foundations for customer loyalty formation in Islamic banking. Future research is suggested to develop the concepts of digital sharia compliance and Islamic digital trust in the context of Islamic digital banking services.
The Impact of Digital Transformation through Visual Content on Business Activities in Palopo City Andi Faizah Makmur; Muhammad Alwi; Mahadin Shaleh; Andi Farhami Lahila M
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8526

Abstract

The accelerating digital transformation has driven significant changes in how businesses market their products and engage with consumers. In Palopo City, the use of visual content, such as product photos, short videos, promotional designs, and visual storytelling, has become an increasingly prominent strategy. However, there is limited research specifically addressing how visual content impacts the business activities of various business actors in the region during the digital transformation process. This study aims to analyze the role of visual content in increasing visibility, sales, and customer relationships as part of the dynamics of digital transformation among businesses in Palopo City. Using a qualitative approach with in-depth interviews and field observations, this study explores the experiences and perceptions of business actors from various sectors. The research findings indicate that visual content serves not only as a promotional tool but also as a means of building brand identity, increasing credibility, and expanding market reach through digital platforms. Furthermore, businesses that are able to adapt visual content consistently and creatively tend to experience a more significant increase in business activity. This study provides a theoretical contribution related to understanding the role of visual content in digital transformation, while also offering practical implications for businesses, supporting institutions, and local governments to optimize digital strategies to drive local economic growth.
PERTUMBUHAN HIJAU DAN PEMBANGUNAN INKLUSIF DI ASEAN: BUKTI DARI ANGKA-ANGKA UTAMA ASEAN 2024 Andi Farhami lahila M; Jumarni Jumarni; Andi Nurrahma Gaffar; Munadhir Munadhir
Jurnal Ekonomi Ichsan Sidenreng Rappang Vol 4 No 2 (2025): Hal
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/jeinsa.v4i2.275

Abstract

Penelitian ini bertujuan untuk menganalisis hubungan antara pertumbuhan hijau (green growth) dan pembangunan inklusif (inclusive development) di kawasan ASEAN dengan menggunakan data sekunder dari ASEAN Key Figures 2024. Pendekatan yang digunakan adalah kuantitatif-deskriptif dengan metode komparatif lintas negara terhadap sepuluh anggota ASEAN. Indeks green growth dibentuk dari indikator energi terbarukan, akses energi bersih, elektrifikasi, dan luas hutan, sedangkan indeks inclusive development diukur melalui tingkat kemiskinan, rasio Gini, partisipasi angkatan kerja, dan partisipasi pendidikan dasar. Analisis korelasi Pearson digunakan untuk menguji hubungan antara kedua indeks. Hasil penelitian menunjukkan bahwa terdapat hubungan positif moderat (r = 0,67) antara pertumbuhan hijau dan pembangunan inklusif di kawasan ASEAN. Negara-negara dengan kinerja lingkungan yang tinggi, seperti Vietnam dan Malaysia, juga menunjukkan capaian sosial-ekonomi yang lebih baik dibandingkan negara-negara berpendapatan rendah seperti Myanmar dan Laos. Hal ini menegaskan bahwa kebijakan energi terbarukan, efisiensi sumber daya, dan perlindungan lingkungan dapat berkontribusi pada pemerataan sosial dan kesejahteraan masyarakat. Meskipun demikian, disparitas antarnegara masih besar akibat perbedaan kapasitas fiskal, kesiapan teknologi, dan dukungan kelembagaan. Temuan ini memperkuat pandangan bahwa green growth dan inclusive development bukan dua agenda yang terpisah, melainkan saling melengkapi dalam mewujudkan pembangunan berkelanjutan di ASEAN. Rekomendasi kebijakan meliputi integrasi kebijakan hijau dan sosial dalam Blueprint ASEAN 2040, penguatan pendanaan hijau, dan penerapan prinsip just transition untuk memastikan keadilan sosial dalam transisi menuju ekonomi hijau.
Co-Authors Andi Faizah Makmur Andi Nurrahma Gaffar Jumarni Jumarni Mahadin Shaleh Muhammad Alwi Munadhir Munadhir Siradjuddin Siradjuddin Siti Nur Reskiyawati Said