Article Per Year (5 Year)
p-Index From 2021 - 2026
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All Journal Al-Kharaj: Journal of Islamic Economic and Business Epistema
Indah Naela Zulfa
Universitas Islam Negeri K. H. Abdurrahman Wahid Pekalongan
Economics, Econometrics & Finance Education

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The Role of Digital Transformation in Strengthening Indonesia’s Sharia Capital Market Rinda Asytuti; Indah Naela Zulfa; Ina Rahmadani; Aisyah Fitriani; Ismi Nurhanifah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8521

Abstract

This study aims to analyze the digital transformation of Sharia capital market services in Islamic banking institutions, focusing on their opportunities, challenges, and implications for customer perceptions. The research employs a systematic literature review (SLR) approach to synthesize national and international scholarly publications from 2015 to 2025 that discuss the digitalization of Islamic financial institutions. The findings indicate that digital transformation has improved operational efficiency, inclusiveness, and transparency in Sharia-based investment activities through the adoption of innovations such as mobile banking, Islamic mutual funds, sukuk, and Cash Waqf Linked Sukuk (CWLS). However, the transformation process still encounters several obstacles, including cybersecurity risks, limited human resource capacity, low levels of financial literacy, and a regulatory framework that has not fully adapted to technological progress. Furthermore, customer perceptions of digital Sharia services are shaped by perceived usefulness, ease of use, service quality, and the assurance of Sharia compliance, all of which influence customer trust and loyalty. The study concludes that the effectiveness of digital transformation in Islamic banking depends on the synergy between technological innovation, adaptive regulation, financial literacy enhancement, and adherence to maqasid al-shariah principles to reinforce the role of the Islamic capital market in achieving an inclusive and sustainable Islamic financial ecosystem.
Reorienting Educational Management Information Systems for Resilient Digital Learning Ecosystems in Industry 5.0 Indah Naela Zulfa; Indi Mazaya; Inda Millata Afna; Tsania Karima Khusna; Norma Kartika Putri; Raya Ajeng Pertiwi; Mutiah Puspita Andiny; Muhammad Ikmal Irsyadul Fairus; Rani Suci Rahmadani; Diva Agi Septiana; Mansur Chadi Mursid
Epistema Vol. 7 No. 1 (2026): April(On Progress)
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/ep.v7i1.99317

Abstract

The transition toward Industry 5.0 has encouraged educational institutions to reconsider the role of Management Information Systems (MIS) beyond administrative efficiency and technological automation. This study investigates how MIS can be reoriented to support human-centered values and organizational resilience within increasingly complex digital learning environments. A Systematic Literature Review (SLR) was conducted following the PRISMA framework, complemented by bibliometric mapping using VOSviewer. Relevant publications published between 2021 and 2025 were collected from reputable national and international databases and analyzed to identify major research trends, conceptual relationships, and emerging gaps. The findings reveal that existing studies predominantly emphasize technological innovation, while the dimensions of human-centricity and resilience remain insufficiently integrated into educational MIS research. The literature also highlights the growing need for information systems capable of maintaining institutional adaptability, learning continuity, and stakeholder well-being amid rapid technological and social change. In response to these challenges, this study develops the SIM 5.0 conceptual framework, which combines three interrelated dimensions: technological capability, human-centered design, and system resilience. The framework suggests that the effectiveness of educational MIS depends not only on technological advancement but also on its capacity to support educators, students, and administrative personnel while responding flexibly to evolving educational demands. These findings provide practical guidance for developing sustainable, adaptive, and learner-oriented digital management systems in educational institutions.
Co-Authors Aisyah Fitriani Diva Agi Septiana Ina Rahmadani Inda Millata Afna Indi Mazaya Ismi Nurhanifah Mansur Chadi Mursid Muhammad Ikmal Irsyadul Fairus Mutiah Puspita Andiny Norma Kartika Putri Rani Suci Rahmadani Raya Ajeng Pertiwi Rinda Asytuti Tsania Karima Khusna