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All Journal Jurnal EMT KITA J-EBIS (Jurnal Ekonomi dan Bisnis Islam) E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Jurnal Ilmiah Edunomika (JIE) Jurnal Pengabdian Nasional (JPN) Indonesia Jurnal Investasi Islam Jurnal Pengabdian Masyarakat Nusantara International Journal of Educational Review, Law And Social Sciences (IJERLAS) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Share: Jurnal Ekonomi dan Keuangan Islam el-Amwal Management Research and Behavior Journal International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Lentera Jurnal Pengabdian Nasional (JPN) Indonesia kawanad Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Solusi Masyarakat Dikara Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA)
Fuadi Fuadi
Department Of Shariah Economics, Universitas Malikussaleh
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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SYSTEMATIC LITERATURE REVIEW MAPPING OF GLOBAL, REGIONAL AND LOCAL FINTECH ADOPTION FROM THE PERSPECTIVE OF SHARIA ECONOMICS Fuadi; A. Hadi Arifin; Iskandar; Azharsyah Ibrahim
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 5 (2026): APRIL
Publisher : RADJA PUBLIKA

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Abstract

This study aims to map global, regional, and local trends in Financial Technology (FinTech) adoption from the perspective of Islamic economics through a Systematic Literature Review (SLR). The review examines the development of FinTech, particularly the integration of Artificial Intelligence (AI), open banking, RegTech, and digital financial services in the financial and banking industries worldwide and in Indonesia. The findings indicate that FinTech adoption has significantly transformed the financial sector by improving operational efficiency, enhancing customer experience, strengthening fraud detection, and expanding financial inclusion. At the global level, the rapid growth of open banking and AI-driven financial services reflects an increasing shift toward digital financial ecosystems. In Indonesia, FinTech adoption has accelerated digital transformation in banking and financial institutions, contributing to improved service quality and operational effectiveness. However, challenges related to cybersecurity, data privacy, ethical concerns, regulatory compliance, and systemic risks remain critical issues. From the perspective of Islamic economics, particularly the concept of maslahah mursalah, the literature suggests that Sharia FinTech can provide substantial benefits by promoting financial accessibility, efficiency, transparency, and economic welfare while maintaining compliance with Islamic principles. The study concludes that FinTech adoption generally supports the objectives of maqashid shariah by facilitating economic empowerment and public welfare, provided that technological innovation is accompanied by robust governance, cybersecurity measures, transparency, and regulatory oversight.
THE EFFECT OF RELIGIOSITY AND BRAND LOYALTY ON PURCHASE DECISIONS (Case Study at Aurel Hijab Shop in Lhokseumawe City) Wilda Khaira; Yulius Dharma; Fuadi; Agustinar; Munardi
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 12 (2025): NOVEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18797918

Abstract

This study aims to analyze the influence of religiosity and brand loyalty on consumer purchasing decisions at the Aurel Hijab Store in Lhokseumawe City. This study uses a quantitative approach with a survey method. The research population is consumers of the Aurel Hijab Store, with a sample size of 100 respondents determined using the Lemeshow formula and convenience sampling techniques. Data collection was carried out through a structured questionnaire with a Likert scale, then analyzed using the Statistical Package for the Social Sciences (SPSS) program through multiple linear regression analysis. The results of the study indicate that partially religiosity (X1) has a positive and significant effect on purchasing decisions (Y), as evidenced by a t-test with a significance value smaller than 0.05. This indicates that the higher the level of consumer religiosity, the stronger their tendency to make decisions to purchase hijab products that are in line with Islamic values. Furthermore, brand loyalty (X2) also has a positive and significant effect on purchasing decisions (Y) based on the t-test results, which indicates that consumer loyalty to the brand encourages repeat purchases and product recommendations. Simultaneously, the F-test results show that religiosity and brand loyalty together have a positive and significant effect on purchasing decisions. The coefficient of determination (R²) value of 76.4% indicates that variations in purchasing decisions can be explained by religiosity and brand loyalty, while the rest is influenced by other variables outside the research model. This finding confirms that consumer purchasing decisions for hijab are not only determined by brand loyalty, but also by the suitability of the product with the religious values held by consumers.
Co-Authors A. Hadi Arifin Agustinar Akhyar, Chairil Am. Riyadi Andri Soemitra Arliansyah Ayu Zurlaini Damanik Azharsyah Ibrahim Candra Zonyfar Chalirafi, Chalirafi Damanhur, Damanhur Debi Eka Putri Deny Sumantri Mangkuwinata Devi Andriyani Epi Safira Erna Isfayanni Falahuddin Falahuddin Falahuddin Frengki Putra Ramansyah Hanif Hanif, Hanif Haris Al Amin Hasibuan, Ahmad Fauzul Hakim Hastuti Handayani Harahap Hilmi Hilmi I Gusti Ngurah Antaryama Ijal Fahmi Intan Mutia Irada Sinta Iskandar Ismail Khairawati Khairawati Khairawati Khairawati Khairawati Khairawati Khairawati, Khairawati Marliyah Marzuki Marzuki Miftahul Jannah Muhammad Mirna Mohd. Heikal Mohd. Heikal Muammar Khadafi Muammar Khaddafi Muhammad Multazam Muhammad Nur Muhammad Rizki Ramadhan Mukhlish Mukhlish Muhammad Nur Munandar Munandar Munandar Munandar Munandar Munardi Munardi Muttaqien Nadia Hartatik Naufal Bachri, Naufal Nazli Hasan Nikson Sitindaon Rahmaniar Rahmaniar Rani Puspita Ningrum Rayyan Firdaus Razali, Ramadhan Razif Razif Reza Juanda Rico Nur Ilham Saharuddin Saharuddin Shella Dhea Weynanda Sinaga, Sarman Syamsul Rizal Syawal Harianto Taufiq Iqbal Thasrif Murhadi Wahyuddin Wahyuddin Wahyuddin Wahyuddin Wilda Khaira Yulis Terfiadi Yulius Dharma Zuhrinal M. Nawawi