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Surotul Lubna
Salafiyah Islamic College

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ANALYSIS OF GENERATION Z’S BEHAVIOR IN USING SHARIA FINTECH IN THE DIGITAL ERA Surotul Lubna; Kuni Badriatul
Assets Journal: Journal of Economic and Business Vol. 4 No. 2 (2026): MSME Assistance in Product Branding and Digital Marketing Development to Streng
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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The rapid development of digital technology has transformed the financial services industry and encouraged the emergence of Islamic Financial Technology (Islamic Fintech) as an innovative solution for providing Sharia-compliant financial services. As digital natives, Generation Z has become one of the most influential consumer groups in adopting digital financial services due to their high level of technological literacy and frequent engagement with digital platforms. However, despite the growing popularity of fintech, the adoption of Islamic fintech among Generation Z remains relatively limited compared to conventional fintech services. Therefore, this study aims to analyze the behavior of Generation Z in using Islamic fintech in the digital era by examining the influence of perceived usefulness, perceived ease of use, Islamic financial literacy, religiosity, and social influence. This study employs a quantitative research approach using a survey method. Data were collected through questionnaires distributed to Generation Z respondents who are familiar with or have experience using Islamic fintech services. The collected data were analyzed using descriptive and inferential statistical techniques to identify the factors influencing the adoption of Islamic fintech. The findings indicate that perceived usefulness and perceived ease of use significantly influence Generation Z’s intention to adopt Islamic fintech services. In addition, Islamic financial literacy plays an important role in increasing awareness and understanding of Sharia-compliant financial products. Religiosity also positively affects users’ preferences for Islamic fintech, while social influence from family, peers, and social media contributes to shaping adoption behavior. These findings suggest that the adoption of Islamic fintech among Generation Z is influenced by a combination of technological, educational, religious, and social factors.   The study concludes that enhancing Islamic financial literacy, improving service quality, and strengthening public awareness of Sharia-compliant digital financial services are essential strategies for increasing Islamic fintech adoption among Generation Z. The findings are expected to contribute to the development of Islamic fintech and support the growth of the Islamic digital economy in Indonesia.
BLUE ECONOMY ANALYSIS IN THE PERSPECTIVE OF MAQASHID SHARIA FOR SUSTAINABLE ECONOMIC DEVELOPMENT Surotul Lubna; Yuliatin
Assets Journal: Journal of Economic and Business Vol. 4 No. 1 (2026): Assisting MSMEs in Product Branding and Digital Marketing Development
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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The Blue Economy has emerged as a global framework for promoting sustainable utilization of marine and ocean resources to support economic growth, environmental preservation, and social welfare. However, the framework is often criticized for its limited ethical foundation, as it is largely driven by technocratic and economic considerations. In contrast, Islamic economics offers a comprehensive value-based system rooted in the principles of tawhid (oneness of God), khalifah (stewardship), amanah (trust), justice (‘adl), and maslahah (public welfare). This study aims to analyze the Blue Economy from the perspective of Islamic economics by examining its conceptual compatibility and potential implementation within an Islamic ethical framework. This research employs a qualitative approach using library research methods. Data are collected from secondary sources, including academic journals, books, and reports from international organizations such as the United Nations Environment Programme (UNEP), the World Bank, and the Food and Agriculture Organization (FAO). The data are analyzed using descriptive-analytical and content analysis techniques to identify the convergence between Blue Economy principles and Islamic economic values. The findings show that there is a strong conceptual alignment between the Blue Economy and Islamic economics, particularly in terms of sustainability, environmental stewardship, and intergenerational justice. The principle of mizan (balance) in Islam closely corresponds with ecological sustainability in the Blue Economy. Furthermore, maqasid al-shariah provides an ethical foundation for evaluating marine economic activities, ensuring the protection of life, wealth, and environmental integrity. The study also finds that Islamic financial instruments such as zakat, waqf, and sukuk can be utilized to support the implementation of sustainable marine development. In conclusion, the integration of the Blue Economy and Islamic economics offers a holistic framework that combines economic efficiency, environmental sustainability, and moral responsibility. This integrated approach is particularly relevant for Muslim-majority countries such as Indonesia, which possess vast marine resources and a strong Islamic value system.