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All Journal Jurnal Nuansa Akademik: Jurnal Pembangunan Masyarakat Asas wa Tandhim: Jurnal Hukum, Pendidikan, dan Sosial Keagamaan
Navi Risanti
Sunan Kalijaga State Islamic University Yogyakarta Indonesia
Religion Civil Engineering, Building, Construction & Architecture Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Digitalization, Financial Development, and Institutional Quality on ASEAN Economic Growth Najma Taralia Farah; Anton Bawono; Navi Risanti; Surya A. Fajar; Ali Samai Mata; Abd Fajeri Pita
Nuansa Akademik: Jurnal Pembangunan Masyarakat Vol. 11 No. 1 (2026)
Publisher : Lembaga Dakwah dan Pembangunan Masyarakat Universitas Cokroaminoto Yogyakarta (LDPM UCY)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47200/jnajpm.v11i1.3598

Abstract

This study assesses the impact of digital transformation and advancements in the financial sector on economic growth in the ASEAN area, with institutional quality acting as a moderating variable. The methodology employed is dynamic panel data analysis utilizing the System-Generated Method of Moments (SYS-GMM) and Moderated Regression Analysis (MRA). The estimation results indicate that the impacts of digital transformation and financial development on economic growth are not consistently direct and significant. Nonetheless, institutional quality generally enhances this association, although the effect is not uniform across all sampled nations. The results demonstrate that the impacts of digitalization and the financial sector on growth are not consistently straightforward, but are significantly influenced by the efficacy of governance in each nation. This emphasizes that technology advancement must be paired with the enhancement of supporting institutions to facilitate optimal economic growth.
Maqashid Syariah and Consumer Protection: Rebuilding Gen Z Trust in Sharia Insurance Najma Taralia Farah; Joko Setyono; Samsul Hadi; Navi Risanti; Fattah S. Santoso; Ali Sayyid Mata
Asas Wa Tandhim: Jurnal Hukum, Pendidikan Dan Sosial Keagamaan Vol. 6 No. 1 (2027): In Progress
Publisher : Universitas Cokroaminoto Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47200/awtjhpsa.v6i1.3615

Abstract

This normative legal research examines why Generation Z remains hesitant toward sharia insurance despite growing digital literacy and relatively high religiosity. Within conceptual and statutory approach, it argues that low Islamic financial literacy, information overload, and the gap between normative sharia principles and actual industry practice are the main factors undermining trust. Framed through the lens of maqashid syariah, the study finds that trust cannot be built on religious labelling requires tangible evidence of transparency, fair governance, and real-world benefits. Strengthening digital literacy programmes, improving product transparency, and anchoring institutional governance in measurable maqashid indicators are proposed as concrete steps toward rebuilding Generation Z’s confidence in sharia insurance.
Co-Authors Abd Fajeri Pita Ali Samai Mata Ali Sayyid Mata Anton Bawono Fattah S. Santoso Joko Setyono Najma Taralia Farah Samsul Hadi Surya A. Fajar