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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah EkBis: Jurnal Ekonomi dan Bisnis El-Qist : Journal of Islamic Economics and Business (JIEB) AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Management of Zakat and Waqf Journal (MAZAWA)) ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Indonesian Journal of Management Science
Agustianto, Mochammad Andre
Unknown Affiliation
Religion Arts Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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MEASURING ECONOMIC FAIRNESS IN EARLY SETTLEMENT OF GRIYA HASANAH FINANCING: SYSTEMATIC LITERATURE REVIEW AND KPIS INDEX PROPOSAL Martdadi, Muhammad Havy; Agustianto, Mochammad Andre
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol 9 No 1 (2026): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v9i1.11090

Abstract

This study explores the concept of economic justice in the practice of early settlement within Islamic financing, with a particular emphasis on the Griya Hasanah housing scheme. The research employs a Systematic Literature Review (SLR) guided by the PRISMA 2020 protocol to ensure methodological transparency. Literature searches were conducted across Scopus, Web of Science, Sinta, and Google Scholar databases, covering the period 2015–2025, resulting in 42 relevant studies. The review reveals five central dimensions of justice in early settlement practices: margin fairness, contractual compliance, procedural transparency, risk distribution, and alignment with the objectives of maqasid al-shari‘ah. Findings indicate a notable gap between normative regulations, such as DSN-MUI Fatwa No. 153/2022, which emphasizes the importance of granting rebates and the diverse practices implemented by Islamic banks, particularly in calculating rebate proportions and ensuring contract clarity. As a scholarly contribution, this research proposes the development of a Key Performance Indicators of Settlement (KPIS) framework as a structured tool for measuring justice. The KPIS incorporates five dimensions with operational indicators, including margin ratios, disclosure of information, compensation policies, risk protection, and maqasid compliance. By applying this framework, Islamic financial institutions can evaluate and enhance early settlement practices more objectively and fairly, thereby improving accountability and strengthening public confidence in the Islamic financial system.
THEORETICAL GAP ANALYSIS: CONSTRUCTION OF A MODEL OF GENERATION Z CONSUMER BEHAVIOR TOWARDS THE ADOPTION OF DIGITAL SHARIA FINANCIAL SERVICES Muchsin, Faricha Mulya Rahmaniah; Agustianto, Mochammad Andre
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol 9 No 1 (2026): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v9i1.11117

Abstract

Advances in financial technology have transformed the landscape of financial services, including in Islamic financial institutions, which are now developing various digital innovations such as Islamic mobile banking, halal fintech, and Sharia-compliant e-wallets. Although Generation Z is the dominant user of digital technology, their adoption rate of Islamic financial services is still relatively low. This study aims to map the theoretical gap through a Systematic Literature Review (SLR) approach, utilizing the PRISMA 2020 protocol, which examines national and international literature published between 2015 and 2025. The results of the study show that classical models such as the Technology Acceptance Model (TAM), Theory of Planned Behavior (TPB), and Unified Theory of Acceptance and Use of Technology (UTAUT) have not been able to explain the behavior of Generation Z in the context of sharia because they do not accommodate the values of trust, reputation, and religiosity. This study further formulates a new conceptual model that integrates Islamic values into the framework of digital behavior, intending to strengthen the theoretical basis for future empirical research and provide strategic direction in increasing interest, trust, and adoption rates of digital sharia financial services among Generation Z.
Co-Authors Karimah Khoiroh, Shelvania Fikrotul Martdadi, Muhammad Havy Muchsin, Faricha Mulya Rahmaniah Muhimmatin Alfafa Rianto Anugerah Wicaksono Sunarto AS, Sunarto Wati, Aprilia Candra Purnama