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All Journal Jurnal Perbankan dan Ekonomi Islam Al-Insan: Islamic and Humanities Perspectives Journal
Abdurrozak abdurrozak
Institut pendidikan nusantara global
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mathematics Other

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Transformasi Digital Dalam Perbankan Syariah: Analisis Implementasi Fintech Berbasis Prinsip Syariah Di Era Society 5.0 Abdurrozak abdurrozak; Hilalludin Hilalludin
Al-Hilali: Jurnal Perbankan dan Ekonomi Islam Vol. 2 No. 03 (2026): Al-Hilali: Jurnal Perbankan dan Ekonomi Islam
Publisher : AL HILALI: Jurnal Perbankan dan Ekonomi Islam

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Abstract

Penelitian ini membahas transformasi digital dalam perbankan syariah serta implementasi financial technology (fintech) berbasis prinsip syariah di era Society 5.0. Perkembangan teknologi digital mendorong perbankan syariah untuk menghadirkan layanan keuangan yang lebih efektif, efisien, dan mudah diakses masyarakat tanpa meninggalkan prinsip-prinsip ekonomi Islam. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif analitis melalui studi kepustakaan (library research). Data diperoleh dari jurnal ilmiah, buku, regulasi, serta berbagai sumber literatur yang relevan dengan transformasi digital dan fintech syariah. Hasil penelitian menunjukkan bahwa implementasi fintech syariah melalui mobile banking syariah, peer to peer lending syariah, crowdfunding syariah, dan digital payment syariah memiliki peran penting dalam meningkatkan inklusi keuangan dan mendukung perkembangan UMKM di Indonesia. Selain memberikan kemudahan layanan keuangan, fintech syariah juga berkontribusi dalam memperkuat ekosistem ekonomi digital berbasis syariah. Namun, pengembangan fintech syariah masih menghadapi berbagai tantangan, seperti rendahnya literasi digital, keamanan data, regulasi, dan persaingan industri keuangan digital. Oleh karena itu, diperlukan penguatan inovasi teknologi, edukasi masyarakat, dan pengawasan kepatuhan syariah agar transformasi digital dalam perbankan syariah dapat berjalan secara optimal di era Society 5.0.
The Influence of Social Media on the Development of Adolescent Language and Character from an Islamic Perspective Abdurrozak Abdurrozak
Al-Insan: Islamic and Humanities Perspectives Journal Vol. 2 No. 1 (2026): Al-Insan: Islamic and Humanities Perspectives Journal
Publisher : Cipta Pustaka Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63324/aij.2.1.2026.148

Abstract

This study investigates the influence of social media on adolescent language use and character development from an Islamic perspective, addressing a critical gap in existing research that often examines digital communication without integrating linguistic analysis and Islamic ethical frameworks. While prior studies have explored the impact of social media on youth behavior, limited attention has been given to how language practices in digital spaces reflect and shape moral values within an Islamic context. This research aims to analyze patterns of language use among adolescents on social media and to examine their implications for character formation in relation to Islamic principles of ethical communication. A qualitative descriptive method was employed, involving observation of adolescents’ online interactions, documentation of digital discourse, and analysis of relevant scholarly literature. The findings indicate that social media promotes the widespread use of informal language forms, such as slang, abbreviations, and code-mixing, which may influence adolescents’ formal language competence. More importantly, these linguistic practices are closely linked to shifts in communication ethics, including reduced politeness, impulsive expression, and the pursuit of social validation. From an Islamic perspective, such tendencies may contradict core values such as akhlaq (moral conduct), adab (proper manners), and responsibility in speech. This study contributes to both linguistic and Islamic studies by offering an integrated analysis of language behavior and moral development in digital contexts. It emphasizes the need for value-based guidance from families, educational institutions, and society to foster ethical and responsible communication among adolescents in the digital era.
Co-Authors Hilalludin Hilalludin