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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 Halal Industry in Southeast Asia: A Comparison of the Development of Indonesia and Thailand Nurdiana Nurdiana; Siradjuddin Siradjuddin; Rahmawati Muin
Formosa Journal of Multidisciplinary Research Vol. 4 No. 6 (2025): June 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjmr.v4i6.270

Abstract

The halal industry in Southeast Asia, particularly in Indonesia and Thailand, has grown rapidly while adhering to Islamic sharia principles. This article compares the development of the halal sector in both countries, focusing on government policies, halal certification strategies, and challenges faced in entering the global market. Indonesia, as the country with the largest Muslim population, holds an important position in the global halal market. The mandatory halal certification policy implemented since 2019 by BPJPH aims to increase the competitiveness of Indonesian halal products. Meanwhile, Thailand, despite its predominantly non-Muslim population, has succeeded in developing its halal market, particularly in the halal food export sector, with support from the Central Islamic Council of Thailand (CICOT). This study uses a comparative analysis method based on secondary data obtained from government reports, industry studies, and academic articles. The results of the study are expected to provide insights that can support the development of halal policies in both countries, as well as provide recommendations for other countries wishing to develop their halal industries.
Analysis of the Green Economy Framework for the Sustainability of the Halal Industry in Makassar Desy Rahmawati Anwar; Siradjuddin Siradjuddin; Rahmawati Muin
Formosa Journal of Multidisciplinary Research Vol. 4 No. 6 (2025): June 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjmr.v4i6.268

Abstract

The halal industry is one of the strategic sectors in the national economy that has great potential to develop sustainably. However, the growth of this industry needs to be aligned with environmentally friendly principles as global demands for sustainable business practices increase. This study aims to analyze how the Green economy framework can be integrated into the sustainability strategy of the halal industry in Makassar City. Using a descriptive qualitative approach, data were collected through in-depth interviews, field observations, and literature studies of halal industry players and related stakeholders. The results of the study indicate that some industry players have implemented green practices such as waste reduction, use of renewable energy, and raw material efficiency. However, the adoption of Green economy principles has not been evenly distributed due to limited resources, conceptual understanding, and policy support. This study concludes that the integration of Green economy in halal industry management not only improves operational efficiency and product competitiveness, but also strengthens the social legitimacy and ethical added value of halal products.