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THE EFFECT OF CAPITAL, LIQUIDITY AND CONSUMER PRICE CHANGES ON FINANCING RISK Hardiansyah Padli; Rahma Detik Kurningsih
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 1 No. 8 (2025): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing Deposit to Ratio (FDR) and inflation on Non-Performing Finance (NPF) in the short and long term. By using time series data for the monthly period from 2015-2019 and the Error-Correction Model (ECM) and cointegration approach, it is found that CAR does not have a significant effect on NPF in the short and long term. FDR in the short term does not have a significant effect on NPF, in the long term FDR has a significant effect on NPF. Meanwhile, inflation has a significant effect on NPF both in the short and long term.

Integrasi Literasi Keuangan Syariah dalam Kurikulum Pendidikan Tinggi: Kerangka Integratif Kumaidi Kumaidi; Arna Saskia; Ade Rahayu; Hardiansyah Padli
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.10885

The rapid growth of Indonesia’s Islamic finance industry contrasts with persistently low Islamic financial literacy, particularly among university students as future professionals. This study aims to synthesize existing literature to develop an integrative framework for embedding Islamic financial literacy within higher education curricula, identify multi-level implementation barriers, and propose adaptive strategies aligned with digital transformation. Using a qualitative Systematic Literature Review (SLR), this study analyzes ten peer-reviewed publications published between 2021 and 2025 through content and thematic analysis. The findings indicate that effective integration requires a holistic curriculum design encompassing cognitive, affective, and psychomotor competencies, supported by institutional readiness, lecturer capacity, and multi-stakeholder collaboration. Major barriers emerge at the micro, meso, and macro levels, including superficial digital literacy, limited interdisciplinary expertise among lecturers, fragmented institutional policies, and weak coordination between academia, industry, and regulators. This study demonstrates that digital transformation offers strategic opportunities to strengthen Islamic financial literacy through interactive, experiential, and community-based learning, provided it is accompanied by the development of critical and ethical financial reasoning. The main contribution of this research lies in proposing an integrative framework that connects curriculum design, implementation barriers, and adaptive strategies within a value-based and digitalized education context, offering theoretical and practical implications for higher education institutions and policymakers.

Digital Marketing Ethics 5.0: An Analysis of Islamic Economics Hardiansyah Padli
BALQIS : Journal of Business Innovation and Digital Marketing Vol. 1 No. 2 (2025): December 2025
Publisher : Program Studi Bisnis Digital - Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/balqis.v1i2.10025

The development of the marketing landscape in the era of Marketing 5.0 is marked by the integration of advanced technologies such as artificial intelligence (AI), big data, and machine learning, which enable greater personalization and more intensive interaction with consumers. However, these advances present significant ethical challenges, including data privacy violations, greenwashing practices in sustainability claims, and potentially discriminatory algorithmic bias. These problems erode consumer trust, which is the main foundation of the digital marketing ecosystem. This study aims to analyze these issues from an Islamic economic perspective, emphasizing normative values as the basis for ethics. The method used is a conceptual analysis based on a literature review, examining literature on digital ethics in Marketing 5.0 and the basic principles of Islamic economics, such as tauhid, al-'adl, an-nubuwah, al-khilafah, and al-ma'ad. The results of the analysis show that privacy can be understood within the framework of tauhid as respect for human dignity, greenwashing can be criticized through the principles of honesty and prophetic trust, while algorithmic bias can be addressed with the principles of justice ('adl) and khailifah responsibility. Thus, the normative framework of Islamic economics is not only capable of providing ethical solutions to digital marketing issues, but also presents an alternative paradigm that emphasizes a balance between profitability, social justice, and sustainability. This study concludes that the integration of Islamic values in Marketing 5.0 is a new conceptual contribution that strengthens the literature on sustainable marketing while paving the way for the development of a theory of marketing based on transcendental ethics.

Digital Marketing Ethics 5.0: An Analysis of Islamic Economics Hardiansyah Padli
BALQIS : Journal of Business Innovation and Digital Marketing Vol. 1 No. 2 (2025): December 2025
Publisher : Program Studi Bisnis Digital - Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/balqis.v1i2.10025

The development of the marketing landscape in the era of Marketing 5.0 is marked by the integration of advanced technologies such as artificial intelligence (AI), big data, and machine learning, which enable greater personalization and more intensive interaction with consumers. However, these advances present significant ethical challenges, including data privacy violations, greenwashing practices in sustainability claims, and potentially discriminatory algorithmic bias. These problems erode consumer trust, which is the main foundation of the digital marketing ecosystem. This study aims to analyze these issues from an Islamic economic perspective, emphasizing normative values as the basis for ethics. The method used is a conceptual analysis based on a literature review, examining literature on digital ethics in Marketing 5.0 and the basic principles of Islamic economics, such as tauhid, al-'adl, an-nubuwah, al-khilafah, and al-ma'ad. The results of the analysis show that privacy can be understood within the framework of tauhid as respect for human dignity, greenwashing can be criticized through the principles of honesty and prophetic trust, while algorithmic bias can be addressed with the principles of justice ('adl) and khailifah responsibility. Thus, the normative framework of Islamic economics is not only capable of providing ethical solutions to digital marketing issues, but also presents an alternative paradigm that emphasizes a balance between profitability, social justice, and sustainability. This study concludes that the integration of Islamic values in Marketing 5.0 is a new conceptual contribution that strengthens the literature on sustainable marketing while paving the way for the development of a theory of marketing based on transcendental ethics.

Islamic Moderation in Poverty Alleviation Strategy: A Study of Ibn Khaldun’s Economic Thought Hardiansyah Padli; Rahma Detik Kurningsih
Modern Islamic Studies and Sharia Research Vol. 1 No. 2 (2025): December 2025
Publisher : Pascasarjana UIN Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/missr.v1i2.10343

Poverty remains an ongoing challenge in Indonesia despite relatively stable economic growth. This condition demonstrates the limitations of a technocratic approach to development, which often neglects ethical and social dimensions. This study aims to explore Ibn Khaldun's economic thinking as a basis for poverty alleviation within the framework of Islamic moderation (wasatiyyah). This study uses a qualitative approach based on literature review with thematic analysis of al-Muqaddimah and relevant contemporary literature in the field of Islamic economics. The results show that Ibn Khaldun's eight principles of development, particularly those related to the role of the state, institutions, human resource development, wealth distribution, and justice, reflect a moderate development model that integrates moral, spiritual, and economic dimensions. This model rejects extreme approaches such as minimalist or authoritarian states, and views wealth as a means of distributing social welfare, not as a tool for accumulating power. This study concludes that Ibn Khaldun's framework of thought provides a coherent epistemic foundation for inclusive and equitable development, and remains relevant to the contemporary Indonesian context. The scientific contribution of this research lies in its synthesis of classical Islamic development theory and the principles of Islamic moderation, thereby offering an alternative to conventional economic paradigms that tend to marginalize moral and social dimensions.

Etika Bisnis Islam dan Maqashid al-Shariah dalam Praktik Pinjaman Online Hardiansyah Padli; , Rahma Detik Kurningsih
AL-ITTIFAQ Jurnal Ekonomi Syariah Vol. 5 No. 2 (2025): Al-Ittifaq : Jurnal Ekonomi Syariah
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/alittifaq.v5i2.16452

The rapid growth of financial technology (fintech), particularly online lending platforms, has expanded public access to financing through speed and convenience. However, alongside these benefits, online lending practices have generated significant ethical concerns, including excessive costs, unclear contractual terms, asymmetric power relations, and debt collection practices that may harm and psychologically pressure borrowers. This study aims to examine online lending practices from the perspective of Islamic business ethics and maqashid al-shariah, and to formulate an ethical framework for online lending oriented toward maslahah. This research employs a qualitative approach using a conceptual-analytical literature review. Data were collected from reputable national and international journal articles, classical and contemporary Islamic economics literature, and relevant regulatory documents, and analyzed through content analysis and conceptual synthesis. The findings indicate that many online lending practices do not fully reflect the principles of Islamic business ethics and the objectives of maqashid al-shariah, particularly in terms of protecting wealth, life, and intellect. The study concludes that online lending cannot be justified solely by formal legality or technological efficiency, but must be substantively evaluated based on justice, contractual transparency, social responsibility, and public welfare. This study contributes by offering an ethical framework for evaluating and developing fair and sharia-compliant fintech lending.

Tabuik Ritual in Pariaman: Islamic Acculturation and Local Culture through the Perspective of al-'Urf Kumaidi Kumaidi; Rahmat Hidayat; Hardiansyah Padli; Jamilus Jamilus; Arna Saskia
Alhurriyah Vol 11 No 1 (2026): June 2026
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/al-hurriyah.v11i1.10980

This study examines the acculturation between Islamic values and Minangkabau local culture in the Tabuik ritual in Pariaman through the perspective of al-'urf in usul al-fiqh. Historically rooted in the Shia tradition, the Tabuik ritual has undergone transformation along three dimensions, namely theological, social-functional, and symbolic, since the nineteenth century, developing into a cultural identity of the Sunni community in Pariaman. Theologically, its grounding in martyrdom has been reframed as a moral commemoration of resistance to injustice. Socially, a minority sectarian practice has developed into a community-wide tradition emphasizing solidarity, mutual cooperation, and gotong royong. Symbolically, the replica of Husain's tomb has been reconstituted as an icon of communal identity. This study employs a narrative literature review with a qualitative approach to analyze the elements of the Tabuik ritual based on the classification of urf sahih and urf fasid and assess the legitimacy of its practices under Islamic law. The findings indicate that the social dimensions of the ritual, including communal solidarity, mutual cooperation, and collective identity, can be categorized as urf sahih because they support the objectives of maqasid al-shariah. Conversely, practices involving beliefs in material blessings or supernatural powers with ritual objects tend to fall within urf fasid because they may conflict with the principle of tawhid. The discourse between puritan and cultural groups reflects tensions over Tabuik. This study contributes to understanding the flexibility of Islamic law in accommodating cultural diversity through selective and normative evaluation.

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