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All Journal Islamic Ecomonics Journal An-Nisbah: Jurnal Ekonomi Syariah Tanzil: Jurnal Studi Al-Quran Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan TSAQAFAH FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Dialektika: Jurnal Ekonomi dan Ilmu Sosial Journal of Islamic Economics and Finance Studies Journal of Islamic Economics and Philanthropy Jurnal Ilmu Ekonomi dan Bisnis Islam Nusantara Hasana Journal Journal of Economics, Law, and Humanities Al Qardhu Jurnal Ekonomi dan Bisnis Islam Proceedings of Femfest International Conference on Economics, Management, and Business BISMA: Bimbingan Swadaya Masyarakat Journal of Islamic Digital Economic and Finance (JIDEF) Journal of Islamic Economics and Philanthropy
Miftahul Huda
Universitas Darussalam Gontor
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Nursing Social Sciences Other

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Islamic Financial Literacy and Financial Inclusion as Determinants of Islamic Mobile Banking Adoption among Madrasah Tsanawiyah Teachers in South Lampung Zuhroh Nurbaiti; Miftahul Huda
Journal of Islamic Economics and Philanthropy Vol. 9 No. 1 (2026): August
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/jiep.v9i1.28

Abstract

The development of digital technology has driven the transformation of financial service systems, including in the Islamic banking sector through the use of mobile banking. However, the level of Islamic financial literacy and inclusion remains an important factor in determining the optimal use of these services. This study aims to analyse the level of Islamic financial literacy, the level of Islamic financial inclusion, and the level of Islamic mobile banking usage among teachers at State Madrasah Tsanawiyah in South Lampung Regency. This study uses a quantitative approach with descriptive analysis methods. The results of the study indicate that the level of Islamic financial literacy among teachers at State Madrasah Tsanawiyah in South Lampung reached 80.77% and was classified as good. The level of Islamic financial inclusion was also classified as very good, with a percentage of 81.61%, indicating that access to and utilisation of Islamic financial services has been running well. Meanwhile, the level of Islamic mobile banking usage reached 82.72% and was classified as very good, indicating that digital-based Islamic banking services have been used optimally by respondents. This study is expected to contribute academically to the development of Islamic economic studies and serve as a basis for consideration by educational institutions and policy makers in strengthening Islamic financial literacy and inclusion in a sustainable manner.
Analysis of the Health Level of Sharia Banks Using the RGEC Method in 2019-2023 Miftahul Huda; Wan Aziza Said; Izzatul Muna; Endah Emiarti
Journal of Islamic Economics and Philanthropy Vol. 8 No. 1 (2025): August
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Indonesia embraces a dual banking framework where both conventional and Sharia banks operate simultaneously. This coexistence allows a diverse range of financial services to cater to various customer needs. Despite this, Sharia banking accounts for only 7.3% of the nation's total banking sector. This limited market share is indicative of challenges such as lower public awareness and less competitive financial products compared to conventional banks. Therefore, assessing the health of Sharia banks is essential for ensuring their sustainability, enhancing financial stability, and building public trust in their operations.This research examines the health of Sharia banks from 2019 to 2023, using the RGEC (Risk Profile, Good Corporate Governance, Earning, and Capital) method. A quantitative approach with descriptive analysis reveals that, on average, Sharia banks demonstrated varying degrees of health, with some excelling while others struggled to meet standards set by regulatory bodies. The result of this study is that in 2019 the health of Sharia commercial banks was ranked "quite healthy" which then improved in 2020 by getting a "healthy" rating, in the last 3 years the health of Sharia commercial banks has declined again with a rating of "quite healthy". The findings of this researc highlight specific areas for improvement and strategic growth within the sector.
Empowering Rural Micro-Enterprises and Community Resilience Through Integrated Aquaponics and Food Processing Technology: A Service-Learning Approach Ahmad Taufiqurrohman; Arie Rachmat; Miftahul Huda; Muallief Ummar
Bisma : Bimbingan Swadaya Masyarakat Vol. 7 No. 5 (2025): December 2025
Publisher : STAI Miftahul ULa Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59689/a6vybp85

Abstract

Rural agrarian communities in developing nations frequently encounter systemic economic vulnerabilities resulting from seasonal agricultural income fluctuations, limited technological adoption, and unexploited bio-resource potential. Objective: This study evaluates a community empowerment initiative focused on transferring integrated aquaponics technology (Budikdamber) and value-added food processing techniques to foster rural micro-enterprise resilience and food security through an academic Service-Learning framework. Methods: Utilising a four-stage Service-Learning methodology (Preparation and Curricular Integration, Action Implementation, Participatory Reflection, and Impact Evaluation), university students collaborated with local women's groups (PKK) and micro-entrepreneurs across a six-week intensive field intervention. Technical interventions included closed-loop aquaculture bucket setup, catfish-to-processed-food transformation (nuggets and crackers), sapodilla fruit utilization, and commercial packaging design. Results: The intervention achieved an 88% increase in technological mastery among participants, established functional household aquaponics units, and generated two distinct market-ready processed food lines. Participatory reflections revealed substantial shifts in community collective self-efficacy, enhanced local leadership, and sustainable micro-enterprise operational capabilities. Conclusion and Implications: Academic Service-Learning serves as a powerful pedagogical and developmental vehicle for rural technological empowerment, bridging higher education expertise with community asset mobilization to drive sustainable social change. Masyarakat pedesaan berbasis pertanian di negara berkembang sering kali menghadapi kerentanan ekonomi sistemik akibat fluktuasi pendapatan musiman, keterbatasan adopsi teknologi, dan potensi sumber daya hayati yang belum terkelola secara optimal. Tujuan: Penelitian ini mengevaluasi inisiatif pemberdayaan masyarakat yang berfokus pada alih teknologi budidaya ikan dalam ember (Budikdamber) terintegrasi dan teknik pengolahan pangan bernilai tambah untuk memperkuat ketahanan UMKM pedesaan dan ketahanan pangan melalui pendekatan Service-Learning akademis. Metode: Menggunakan metodologi Service-Learning empat tahap (Persiapan dan Integrasi Kurikuler, Implementasi Aksi, Refleksi Partisipatif, dan Evaluasi Dampak), mahasiswa berkolaborasi dengan kelompok perempuan (PKK) dan pelaku UMKM lokal selama enam minggu intervensi lapangan. Intervensi teknis mencakup pembuatan sistem akuakultur terintegrasi, transformasi lele menjadi produk olahan (nugget dan kerupuk), pemanfaatan buah sawo, serta desain pengemasan komersial. Hasil: Intervensi berhasil meningkatkan penguasaan teknologi peserta sebesar 88%, mendirikan unit Budikdamber rumah tangga yang fungsional, serta menghasilkan dua lini produk olahan pangan yang siap dipasarkan. Refleksi partisipatif menunjukkan peningkatan signifikan dalam efikasi diri kolektif masyarakat, kepemimpinan lokal, dan kapasitas operasional UMKM yang berkelanjutan. Kesimpulan dan Implikasi: Service-Learning akademis terbukti menjadi sarana pedagogis dan pembangunan yang efektif untuk pemberdayaan teknologi pedesaan, menjembatani keahlian perguruan tinggi dengan mobilisasi aset masyarakat guna mendorong transformasi sosial yang berkelanjutan.
The Shifting Visibility of Tafsīr Authority in the AI Era: Islamic Epistemology and the Digitalization of Qur’anic Studies Rochmad Rochmad; Miftahul Huda; Ahmad Faris Zein; Mu’adz Ali Murtadho
Tanzil: Jurnal Studi Al-Quran Vol. 9 No. 1 (2026): October
Publisher : Sekolah Tinggi Agama Islam Sadra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20871/tjsq.v9i1.726

Abstract

The digitization of the Qur’an has reconfigured how Qur’anic interpretation (tafsīr) is produced, mediated, and perceived, particularly as artificial intelligence (AI) enters a tradition grounded in sanad, the chain of scholarly transmission. This study aims to examine the development of AI in digital tafsir, compare algorithmic interpretation with classical tafsir methodology, and assess how algorithmic visibility relates to epistemic authority and the validity of interpretation. Using a descriptive-analytical-critical approach combined with comparative and critical (naqd) methods, this library research draws on scholarly literature on digital religion, AI, and tafsir, including a secondary comparative study of ChatGPT and classical tafsir. The analysis is framed by Islamic epistemology, namely sanad, uṣūl al-tafsīr, and maqāṣid al-sharī‘ah. The findings indicate that AI has evolved from digitization and curated repositories into generative systems that are effective for access, linguistic analysis, and the preservation of turāth. However, the generative model examined shows limitations regarding sanad, asbāb al-nuzūl, maqāṣid, and verifiable references, although this evidence is limited and cannot be generalized to all AI systems. Aspects that have undergone a shift is the visibility and perceived authority of interpretation, not demonstrably its epistemic legitimacy. These findings demonstrate that the shift is an epistemological tendency rather than an empirically proven displacement of scholars, and that integrating scholarly authority with digital innovation should follow four principles of a digital sanad: source traceability, scholarly accountability, methodological transparency, and the separation of visibility from legitimacy.
Co-Authors Abdul Latif Rizqon Abdul Razak, Abdurrizqi Bin Achmad Fajaruddin Ahmad Faris Zein Ahmad Lukman Nugraha Ahmad Suminto Ahmad Suminto Ahmad Taufiqurrohman Amelia Putri Arizka Zaharani Anwar Fatoni Arie Rachmat Baehaqi Bunga Wahyu Santika Chaerul Rochman Dian Septi Purnamasari Endah Emiarti Fadhila Sukur Indra Febrina Yolandha Fikriyyatun Nabila Gayuh Aulia Safitri Hafidh Dinul Kholis Hanif, Muhammad Nabil Husna Nabila Rosyida Isma Fathya Fajriati Izzatul Muna Khoirul Umam Listya Rahmah Lusiana Suryadie Putri M. Kurnia Rahman Abadi Maisaroh Aribah, Shafira Masruhan Masruhan Meichio Lesmana Mohamad Anton Athoillah Muallief Ummar Mufti Afif Muhammad Abdul Aziz Mulya Fan Tika Mu’adz Ali Murtadho Mu’arrifah Mu’arrifah Nabila, Fikriyyatun Nafisatu Roudlotin Ni’mah Nakhwa Hasanatul Aulia Nazmah Maryam Nuri Azizah Putri Fadillah Rahman Putri Miftakhul Jannah Ratna Alfina Nurcahyani Ririn Maryam Rochmad Rochmad Rofiqo, Azidni Septiyani, Amelia Suminto , Ahmad Susilo, Adib . Syaidatul Sa’diah Wan Aziza Said Yossi Kurnia Yudatama Zaimudin Al-Mahdi Mokan Zuhria Febriana Putri Zuhroh Nurbaiti