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All Journal Journal of Digital Business and Management Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah Journal of Islamic Economic Laws International Journal of Kita Kreatif
Asep Koswara
Institut Agama Islam As-syifa
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Tadlis Digital: Membongkar Arsitektur Manipulasi Dark Pattern E-Commerce Perspektif Etika Bisnis Islam Asep Koswara; Lina Herlina
Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah Vol. 18 No. 01 (2026): Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah
Publisher : Prodi Ekonomi Syariah, Fakultas Syariah dan Hukum, Universitas PTIQ Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59833/4rhwb739

Abstract

This study examines the phenomenon of dark patterns in e-commerce as a form of digital interface manipulation that unconsciously influences consumer behavior. The purpose of this research is to reconstruct dark pattern practices from the perspective of Islamic business ethics through the concept of tadlis. The method used is a qualitative approach based on library research with content analysis of literature on digital economics, consumer behavior, and Islamic jurisprudence. The findings show that dark patterns such as urgency manipulation, hidden costs, and scarcity cues create information asymmetry and encourage impulsive consumer decisions. This phenomenon can be reconstructed as a form of digital tadlis because it involves misleading information in transactions. The study confirms that such practices contradict the principles of honesty, justice, and mutual consent in Islamic business ethics. This research contributes conceptually by linking modern digital design with Islamic economic values and provides a foundation for developing more transparent and ethical e-commerce interface design.
Developing Competitive Business Intelligence for Islamic Digital Banking: A Multi-Dimensional Customer Review Analytics Asep Koswara; Muhammad Irfan; Nila Nopianti; Rifki Harsono
Journal of Digital Business and Management Vol. 5 No. 1 (2026): Journal of Digital Business and Management (On Process)
Publisher : LP3M Universitas Putra Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32639/7eb8j756

Abstract

Intensifying competition in Islamic digital banking requires financial institutions to continuously monitor customer experiences and transform them into strategic business intelligence. However, existing evaluation approaches largely rely on isolated indicators, such as application ratings or customer satisfaction, which provide limited insights for competitive benchmarking. This study proposes a Competitive Business Intelligence (CBI) framework to evaluate the competitive performance of Islamic digital banking applications in Indonesia by integrating multidimensional customer review analytics. Using 7,424 Google Play Store reviews from four Islamic digital banking applications, the study identifies key competitive strengths, service weaknesses, and strategic priorities from customers' perspectives. The results indicate that one application consistently demonstrated superior competitive performance, while authentication and login issues represent the most critical barrier to customer experience across applications. Furthermore, digital payment services consistently emerge as the primary competitive strength. The proposed Competitive Business Intelligence Index (CBII) offers a multidimensional benchmarking tool that supports evidence-based strategic decision-making, service innovation, and competitive positioning. This study contributes a practical business intelligence framework that enables Islamic digital banks to leverage customer feedback as a strategic resource for sustainable competitive advantage.
Regional Development Typologies and Industrial Concentration in Indonesia's Halal Industry: A Spatial Economic Perspective Asep Koswara; Nila Nopianti
International Journal of Kita Kreatif Vol 3, No 3 (2026): International Journals Kita Kreatif Vol.3 No.3 Agustus 2026
Publisher : Universitas Syiah Kuala

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Abstract

The halal industry has become an important driver of Indonesia's regional economic development, yet its spatial distribution remains uneven across provinces. Understanding these regional disparities is essential for designing evidence-based policies that promote balanced industrial development. This study examines the spatial distribution, regional inequality, and regional development typologies of Indonesia's halal industry using provincial-level data from the Halal Industry Information System (SIINas Halal). A quantitative spatial approach was employed by integrating descriptive spatial analysis, the Lorenz Curve and Gini coefficient to measure interprovincial inequality, Location Quotient (LQ) analysis to assess regional specialization, and K-Means clustering to classify provinces into regional development typologies based on their industrial characteristics. The analysis covers 157,289 halal industries across 33 Indonesian provinces. The findings reveal a highly uneven spatial distribution, with East Java, West Java, and Central Java accounting for the largest concentration of halal industries, while eastern provinces exhibit substantially lower industrial presence. The estimated Gini coefficient indicates a high degree of regional concentration, confirming significant spatial inequality in the distribution of halal industries. Furthermore, K-Means clustering identifies four regional development typologies; leading, emerging, developing, and lagging regions, highlighting substantial differences in regional industrial characteristics. These findings provide a comprehensive spatial perspective on the structure of Indonesia's halal industry and offer empirical evidence to support more balanced, place-based industrial policies aimed at strengthening regional competitiveness and reducing interprovincial disparities.
Assessing Halal Certification Compliance Through Entrepreneurial Search Patterns Within Indonesia’s Islamic Legal Framework Asep Koswara; Sofyan Puji Pranata; Lina Herlina
Journal of Islamic Economic Laws Vol. 9 No. 02 (2026): July
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v9i02.14280

Abstract

Understanding how entrepreneurs engage with regulatory information is essential for improving the implementation of mandatory halal certification. While previous studies have predominantly relied on surveys and interviews, little attention has been paid to digital behavioural evidence generated through online search activities. This study addresses this gap by investigating entrepreneurial regulatory engagement using Google search behaviour related to Indonesia's halal certification system. A total of 559 search queries were extracted from Google Keyword Planner and refined into 392 analytical queries through lexical normalization and duplicate removal. The dataset was analysed using search-intent classification, thematic analysis, descriptive statistics, and Python-based data processing. The findings indicate that informational searches dominate entrepreneurial search behaviour, followed by navigational, transactional, and procedural searches, suggesting that entrepreneurs primarily seek regulatory knowledge and institutional guidance before engaging in certification procedures. Thematic analysis further reveals that certification processes, institutional information, and general halal knowledge represent the principal information needs. This study proposes a Behavioural Information-Seeking Framework for Halal Certification, demonstrating that digital search behaviour reflects successive stages of regulatory engagement from information acquisition to compliance action. The findings contribute to the literature by extending search-intent analytics to Islamic economic governance and provide practical insights for strengthening digital communication strategies and evidence-based halal governance.
Co-Authors Lina Herlina Lina Herlina Muhammad Irfan Nila Nopianti Nila Nopianti Rifki Harsono Sofyan Puji Pranata