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All Journal Al-Ulum Falah : Jurnal Ekonomi Syariah JURNAL LENTERA BISNIS Iqtishodia: Jurnal Ekonomi Syariah Jurnal Ilmiah Edunomika (JIE) Journal of Islamic Business and Economic Review (JIBER) Jurnal Manajemen Mutanaqishah: Journal of Islamic Banking International Journal of Economics (IJEC) QANUN: Journal of Islamic Laws and Studies Jurnal Riset Manajemen Jurnal Bisnis dan Manajemen (JURBISMAN) Jurnal Manajemen dan Bisnis (JMB) Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah JEBD Neraca Manajemen, Akuntansi, dan Ekonomi Majapahit Journal of Islamic Finance dan Management Journal of Islamic Economics and Finance Jurnal Media Akademik (JMA) Majapahit Journal of Islamic Finance dan Management Ekonomi Keuangan Syariah dan Akuntansi Pajak Jurnal Inovasi Ekonomi Syariah dan Akuntansi Jurnal Ekonomi, Manajemen, Akuntansi Natuja: Jurnal Ekonomi Syariah Khazanah Sosial
Fatih Fuadi
UIN Raden Intan Lampung
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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TRANSFORMASI DIGITAL PADA LEMBAGA KEUANGAN MIKRO SYARIAH: ANALISIS IMPLEMENTASI, TANTANGAN, DAN STRATEGI PENGEMBANGAN BMT DI INDONESIA Putra, Riyan Damara; Shalahudin Habibullah; Fatih Fuadi
NATUJA: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2025): November (2025)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/4h9v5v23

Abstract

Digital transformation in Islamic microfinance institutions, particularly Baitul Maal wat Tamwil (BMT), has become a strategic approach to expanding digital financial inclusion while improving the operational efficiency of community-based financial institutions. This study aims to examine the implementation of digital transformation in Indonesian BMTs, identify key challenges, and formulate development strategies aligned with Islamic principles. A Systematic Literature Review (SLR) was employed by analyzing peer-reviewed journal articles, institutional reports, and policy publications issued between 2020 and 2025. The findings indicate that BMTs with adequate asset capacity and governance structures are more prepared to adopt digital technologies comprehensively, particularly in transaction services, financing processes, and financial reporting. Digitalization initiatives in selected BMTs have demonstrated measurable improvements in operational efficiency and service outreach. Nevertheless, most BMTs remain at basic to intermediate stages of digital adoption due to infrastructure constraints, limited digital literacy among human resources, and regulatory complexity. This study emphasizes that BMT digital transformation should be implemented gradually, contextually, and in accordance with Islamic values, supported by collaboration with the Islamic fintech ecosystem and regulatory policy frameworks.
Evaluation of Financial and Maqasid Syariah Performance of Islamic Banks in Southeast Asia (2019–2023) Fatih Fuadi; Suhendar Suhendar; Hanif Hanif; Wahyu Iryana; Anas Malik
Khazanah Sosial Vol. 7 No. 1 (2025): Khazanah Sosial
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ks.v7i1.41055

Abstract

This study aims to analyse the performance of Islamic banks in Southeast Asia through a comprehensive framework that includes both financial and non-financial aspects, particularly those grounded in the Maqasid al-Shari’ah. The research is significant as the rapid growth of Islamic finance in the region has not been matched by systematic performance evaluations. Employing a quantitative approach with an explanatory design, data were collected from financial reports, structured surveys, and interviews, and analysed using panel data regression with the Fixed Effect Model (FEM). The findings reveal a significant post-pandemic recovery among Islamic banks, demonstrated by improvements in profitability, operational efficiency, and asset quality. The Maqasid Syariah Index (MSI) shows varied achievements, with Malaysia and Indonesia leading in the integration of Islamic ethical and social values. Internal factors such as bank size and age, along with external factors such as GDP growth, the Islamic Financial Development Index (IFDI), and Sharia Governance Score (SGS), significantly influence performance. These results underscore the importance of aligning macroeconomic factors, Islamic governance, and financial infrastructure to support the resilience and sustainability of Islamic banking. This study offers an original contribution by developing a performance evaluation model rooted in maqasid principles and provides policy recommendations to enhance the integration and efficiency of the regional Islamic financial system.
Co-Authors Adib Fachri ahmad habibi Ahmad Hazas Syarif Akbar Aditya Anas Malik Annastasya Ayu Saputri Annisa Anggraini Atridayansyah, Reza Bayu Saputra Beatricca Shinta Azzahra Budi Herlyanto Dani Iwan Saputra Dara Nitami Deni Saputra Destin Fitria Anjayani Dimas Pratomo Ersi Sisdianto Feby Amelia Hanif Hanif Heni Verawati Hidayati Ice Marwiyah Inka Corlita Is Susanto Jenny Zuan Sherliva Junice Esti Pratiwi Karennia Junisa Lita Aryani Liya Ermawati M. Ramdani Nasrudin Madnasir Madnasir Mia Selvina Muhammad Alifian Zakaria Muhammad Daffa Hariyanto Muhammad Yogi Nadiya Putri Ananda Anom Nasution, Annio Indah Lestari Niken Handayani Putra, Riyan Damara Rezeki Kurniawati Shalahudin Habibullah Sivia Nurma Ayu Sivia Nurma Ayu Suhendar Suhendar Suhendar Utari Dewi Vicky F Sanjaya Wahyu Iryana Weny Rosilawaty Yulistia Devi