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All Journal Al-Wijdan : Journal of Islamic Education Studies Econosia Journal
Muhamad Furqon
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Humanities Education Other

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The Role Of Digital Literacy In Improving Students’ Competence In Digital Era Muhammad Iqbal Murtadho; Rizqa Yuhda Rohmah; Zahrotul Jamilah; Muhamad Furqon
AL-WIJDÃN Journal of Islamic Education Studies Vol. 8 No. 2 (2023): April 2023
Publisher : Faculty of Islamic Sciences, Raden Rahmat Islamic University Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (961.586 KB) | DOI: 10.58788/alwijdn.v8i2.2328

Abstract

In the current digital age, students are required to possess high level of digital literacy. Digital literacy refers to an individuals’ ability to effectively find, evaluate, and use information throughdigital technology. The aim of this study is to explore the role of digital literacy in enhancing students’ competencies in the digital age. The methodology used in this study is by collecting data from class observations, interviews with teachers, and surveys to students and parents. The result of this study indicates that digital literacy affects students’ abilities in leraning, collaborating, and facing challenges in the digital age. The implications of the study suggest that digital literacy is crucial in preparing students to face challenges in the digital age, such as resulting on better academic performance, increasing students’ interest in learning, and preparing students’ readiness to face future challenges.  Keywords: Digital Age, Digital Literacy, Students’ Competency
Liquidity Disruption under CBDC Implementation: An Asymmetric Analysis of Stability in Dual Banking Systems Muhamad Furqon; Aji Wahyudin; Dinda Febrianti Putri; Qisthi Efridita
Econosia Journal Vol. 1 No. 1 (2026)
Publisher : Litera Cendikia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/econosia.v1i1.71

Abstract

This study aims to analyze the asymmetric impact of Central Bank Digital Currency (CBDC) implementation on liquidity stability within a dual banking system. CBDC introduces changes to payment systems, accelerating the reallocation of deposits from commercial banks to sovereign digital currency. The magnitude of liquidity disruption differs between conventional and Islamic banking systems due to institutional and contractual differences. This study employs a qualitative exploratory comparative case study design in Probolinggo, Indonesia. Data were collected through semi-structured interviews with regulators, officials, and Islamic experts and analyzed using thematic analysis in NVivo. CBDC drives deposit reallocation through informational asymmetry among efficiency-seeking SMEs in rural areas. This creates a liquidity outflow channel from banking institutions. Conventional banks demonstrate stronger liquidity resilience through interest rate flexibility and pricing adjustments. Islamic banks exhibit delayed stabilization due to contractual constraints in profit-sharing and limited liquidity instruments. A socio-religious buffer in Tapal Kuda mitigates deposit flight through trust in Islamic authority and pesantren networks. Proposes a multi-layered, asymmetric liquidity framework integrating economic, institutional, and socio-religious dimensions for the CBDC literature. Regional heterogeneity and dual banking structures in the design of CBDC implementation strategies.
Co-Authors Aji Wahyudin Dinda Febrianti Putri Muhammad Iqbal Murtadho Qisthi Efridita Rizqa Yuhda Rohmah Zahrotul Jamilah