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All Journal Shirkah: Journal of Economics and Business EkBis: Jurnal Ekonomi dan Bisnis TAMWIL: Jurnal Ekonomi Islam Indonesian Journal of Islamic Economics and Finance
Zulni, Dhiyaul Aulia
UIN Sunan Kalijaga
Economics, Econometrics & Finance Social Sciences

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Implementation of Islamic Business Ethics in Digital Wallet: Literature Review Approach Dhiyaul Aulia Zulni; Siti Achiria
EkBis: Jurnal Ekonomi dan Bisnis Vol 3, No 1 (2019): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2019.3.1.1181

Abstract

The wallet is concise because it has a concise form in managing the identity card or money owned by the wallet owner for transactions. Therefore, when someone does not bring his wallet, he will feel restless or uncomfortable because he does not bring his wallet so it is difficult when trying to make a transaction. Digital Wallet or commonly called Electronic Wallet (e-Wallet) is the latest economic phenomenon based on Information Technology that makes it easy for consumers to make transactions at merchants that have worked together. Digital Wallet Market in Indonesia continues to experience an increase in the number of users that have been proven at the end of 2018 in Indonesia, which has reached Rp 21 trillion. Indonesia has a majority population who embrace Islam. Therefore, in this study aims to examine how the practice of Digital Wallet using Islamic perspectives, especially from the view of business ethics. Based on the results of the literature study, the author seeks to provide examples of the implementation of Digital Wallet practices based on the axioms of Islamic business ethics consisting of 4 pillars of Islamic Business Ethics in general which include the concepts of Unity, Justice, Free Will, and Responsibility.
EKSPLORASI PERAN PESANTREN DALAM MENJAWAB MODERNITAS BANK SYARIAH Dhiyaul Aulia Zulni; Mardian Suryani; Aulia Rahmi Alkahf; Galih Aisia
Tamwil Vol 8, No 2 (2022)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/jtm.v8i2.6932

Abstract

Perkembangan masa kini yang serba modern menjadikan setiap masyarakat harus beradaptasi dengan teknologi tak terkecuali dunia perbankan syariah. Untuk dapat beradaptasi maka perbankan syariah membutuhkan kandidat untuk dapat mengisi posisi penting dalam proses operasional perbankan syariah tanpa melupakan tuntunan al-Qur’an. Dalam memberikan solusi atas permasalahan tersebut, maka diperlukan penelitian untuk menelaah bagaimana sebuah institusi pendidikan seperti pesantren dapat mencetak generasi Qur’ani yang memiliki kemampuan teknologi yang baik. Penelitian ini menggunakan metode penelitian kepustakaan murni dimana ditemukan beberapa poin pembelajaran yang harus dicapai oleh civitas akademika pesantren guna menjawab tantangan modernitas bank syariah.
Does Digitalization Have a Dampening Effect on Income Inequality? Evidence from OIC Countries Munandar, Aris; Ardiansyah, Misnen; Zulni, Dhiyaul Aulia
Shirkah: Journal of Economics and Business Vol 9, No 3 (2024)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v9i3.608

Abstract

The rapid advancement of digital technology has the capacity to create significant effects on income distribution by shaping the availability and quality of employment opportunities. As a result, it has the potential to either narrow or widen income inequality in society. In this paper, we attempt to test the effect of digitalization on income and wealth inequality. We use a multiproxy of digitalization from the International Telecommunication Union ICT database and comprehensive inequality proxy from the World Inequality Database consisting of 56 Organization of Islamic Cooperation member countries from 2010-2021 and estimate their relationship by performing a fixed-effect panel regression. Our finding reveals that digitalization can alleviate income and wealth inequality. Its narrowing effect also applies to income gender inequality. The decline in income inequality is associated with lower GDP per capita, higher net inflow of foreign direct investment, and greater political stability. Similarly, lower wealth inequality is linked to lower GDP per capita and improved political stability. In light of these results, we recommend that governments implement policies aimed at fostering technological advancements, such as infrastructure development to enhance internet and telecommunication coverage. Additionally, inclusive economic growth policies should be prioritized, along with efforts to attract foreign investment through business-friendly reforms and the promotion of political stability that is devoid of gender discrimination.
The Role of Trust in Increasing Participation in Digital Cash Waqf in Wonogiri Regency Zulni, Dhiyaul Aulia; Dewanti, Nala Syifa; Rokhim, Hanif Nur
Indonesian Journal of Islamic Economics and Finance Vol. 5 No. 2 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v5i2.8815

Abstract

Digital cash waqf has great potential in optimizing Muslims' contribution to social and economic development. However, participation in digital cash waqf in Indonesia, particularly in Wonogiri Regency, remains low. This study aims to identify factors influencing individuals' intention to participate in digital cash waqf, focusing on the role of trust as a mediator between waqf literacy, social media, perceived usefulness, and perceived ease of use. The research method used is a quantitative approach with primary data collection through questionnaires distributed to 226 respondents in Wonogiri Regency. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that perceived usefulness, ease of use, and trust significantly influence participation intention in digital cash waqf. Although waqf literacy and social media influence did not show significant direct effects, both played a role through the mediation of trust. Trust fully mediated the relationship between waqf literacy and participation intention, as well as between social media and participation intention. Meanwhile, perceived ease of use had both a direct effect and a partial mediation effect on participation intention. Based on these findings, it is recommended that waqf management institutions improve transparency and user trust, and optimize the ease of use of digital platforms to encourage greater participation in digital cash waqf
Co-Authors Aris Munandar Aulia Rahmi Alkahf Dewanti, Nala Syifa Galih Aisia Mardian Suryani Misnen Ardiansyah, Misnen Rokhim, Hanif Nur Siti Achiria