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All Journal Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Bulletin of Community Engagement Indonesia Auditing Research Journal
Andri Soemitra
UIN Sumatera Utara, Indonesia
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Potential and challenges of implementing the metaverse concept in islamic banking: A literature analysis Khaidar Rahmaini Jamila; Yona Fitri; Iskandar Muda; Andri Soemitra; Yusrizal Yusrizal
Indonesia Auditing Research Journal Vol. 14 No. 3 (2025): September: Auditing, Finance, IT Plan, IT Governance, Risk
Publisher : Institute of Accounting Research and Novation (IARN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/arj.v14i3.543

Abstract

The rapid development of digital technology has given rise to various disruptive innovations, one of which is the metaverse concept. In the context of the financial industry, the metaverse opens new opportunities for providing more interactive, personalized, and efficient services. This article aims to comprehensively analyze the potential and challenges of implementing the metaverse concept in Islamic banking through a literature review of various scientific publications, industry reports, and other relevant sources that discuss the relationship between metaverse technology and Islamic financial principles. In terms of potential, the metaverse offers various strategic opportunities for Islamic banking, including the development of virtual branches that enable direct interaction between customers and bank employees in real time without geographical limitations, increasing financial literacy through virtual experience-based education, and creating a digital halal ecosystem that aligns with Islamic values. Furthermore, the integration of blockchain technology into the metaverse can support transparency, transaction efficiency, and Sharia compliance through the implementation of smart contracts based on Islamic muamalah principles. However, the implementation of the metaverse in Islamic banking also presents complex challenges. This article concludes that the successful implementation of the metaverse concept in Islamic banking relies heavily on cross-sector collaboration between regulators, industry players, academics, and the Islamic scholar community to develop a framework that encourages innovation while maintaining compliance with Islamic principles. The findings of this study are expected to provide theoretical and practical contributions to the development of sustainable digital transformation strategies for Islamic banking in the era of the Fourth Industrial Revolution and the Fifth Industrial Revolution.
The influence of the Indonesian ulema council's fatwa on cryptocurrency on cryptocurrency use by the millennial muslim generation Inayatul Widad Nasution; Helvinasari Nasution; Iskandar Muda; Andri Soemitra; Yusrizal Yusrizal
Indonesia Auditing Research Journal Vol. 14 No. 3 (2025): September: Auditing, Finance, IT Plan, IT Governance, Risk
Publisher : Institute of Accounting Research and Novation (IARN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/arj.v14i3.545

Abstract

This study investigates the influence of the Indonesian Ulema Council (MUI) Fatwa on cryptocurrency on the usage behavior of Muslim millennials in Indonesia. Employing a qualitative descriptive approach, data were collected through semi-structured interviews with eight respondents who actively use or are interested in cryptocurrencies. The data were analyzed using thematic analysis to identify key themes related to understanding, attitudes, and the practical impact of the fatwa. The findings reveal that most respondents are aware of the fatwa, which differentiates cryptocurrencies as haram when used as a currency and permissible as digital assets if they meet Shariah requirements, such as having underlying assets, clear benefits, and avoiding gharar, dharar, and qimar. Millennials’ responses were selective and adaptive: some abstained from using cryptocurrencies as money, while others continued investing with strategies to ensure compliance with Shariah principles. The fatwa exerts a moderate influence on usage decisions, moderated by respondents’ Shariah literacy, trust in religious authority, and pragmatic economic considerations. These findings suggest that while the MUI fatwa remains a relevant normative guideline, its effectiveness depends on the level of understanding and digital Shariah literacy among millennials. The study contributes to a better understanding of Muslim economic behavior, digital financial literacy, and the communication of religious guidance in the rapidly evolving context of fintech and digital assets.
A Systematic Literature Review: Muslim Friendly Tourism Based on Hepta Helix Dwi Vita Lestari Soehardi; Andri Soemitra; M Shabri Abd Majid
OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah Vol. 6 No. 1 (2025): OIKONOMIKA: Jurnal Kajian Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53491/oikonomika.v6i1.1787

Abstract

Muslim-friendly tourism has emerged as a rapidly growing segment in the global tourism industry, driven by the increasing number of Muslim travelers seeking services that align with Islamic values. However, the development of this sector still faces fragmented coordination among stakeholders and the lack of a comprehensive collaborative framework. This study aims to review and map the scientific literature on the development of Muslim-friendly tourism using a Systematic Literature Review (SLR) approach and to analyze the integration of the Hepta Helix model in its management practices. The Hepta Helix model involves seven key stakeholders—government, academia, business actors, community, media, non-governmental organizations (NGOs), and technology—as strategic elements in shaping an inclusive and sustainable halal tourism ecosystem. This study examines articles published between 2021 and 2024, sourced from databases such as Scopus, Google Scholar, and ERIC, using keywords including “Muslim-friendly tourism,” “halal tourism,” and “Hepta Helix.” The findings indicate that most studies remain focused on conceptual aspects and basic halal tourism services, while collaborative integration among actors within the Hepta Helix framework is still rarely discussed explicitly. These results highlight an urgent need for strengthened cross-sector coordination, supportive regulation, and the utilization of digital technology to enhance the competitiveness of halal tourism at both local and global levels. This study is expected to contribute to the development of more integrative policy and research directions in the field of Islamic value-based tourism studies.  
Macro Economic Scope: Policy Analysis of the Digital Rupiah Edi Marjan Nasution; Andri Soemitra; Siti Zariah
Bulletin of Community Engagement Vol. 6 No. 2 (2026): Bulletin of Community Engagement
Publisher : CV. Creative Tugu Pena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51278/bce.v6i2.2115

Abstract

One aspect of macroeconomics involves managing the national economy through monetary policy implemented by the central bank. The research methodology for the study titled "Macroeconomic Scope of Policy Analysis Regarding the Digital Rupiah" is a literature review relying on existing studies, theories, and interpretations relevant to the topic Money is a central topic in economics due to its significant impact on the national economy. Its functions include serving as a unit of account (qiwam ad-dunya) and a medium of exchange (al-mu’awidhah). This study aims to describe the concept of the Digital Rupiah Indonesia’s Central Bank Digital Currency (CBDC). The Digital Rupiah is a form of money that is digitally configured and integrated on an end-to-end basis. It will be issued in two forms: wholesale Digital Rupiah (w-Digital Rupiah), which has restricted access and is distributed solely for wholesale transactions; and retail Digital Rupiah (r-Digital Rupiah), which is accessible to the public and distributed for retail transactions. The research methodology for the study titled "Macroeconomic Scope of Policy Analysis Regarding the Digital Rupiah" is a literature review relying on existing studies, theories, and interpretations relevant to the topic The study employs a qualitative descriptive method based on a literature review of relevant books, journals, and other sources.
Co-Authors Dwi Vita Lestari Soehardi Edi Marjan Nasution Helvinasari Nasution Inayatul Widad Nasution Iskandar Muda Khaidar Rahmaini Jamila M Shabri Abd Majid Siti Zariah Yona Fitri Yusrizal Yusrizal