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All Journal Economica: Jurnal Ekonomi Islam Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam
M Bastomi Fahri Zusak
Universitas Diponegoro
Economics, Econometrics & Finance Social Sciences Other

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Improving Sharia Financial Inclusion through Advancements in Technology and Compliance with Sharia Principles Irham Zaki; Fanet Muhammad Hanifan Paham; M Bastomi Fahri Zusak
IQTISHADIA Vol 16, No 1 (2023): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v16i1.22116

Abstract

This study aims to analyze the role of technology implementation and Sharia compliance in Islamic financial institutions in improving financial inclusion in Indonesia. This study employs a case study method using descriptive and explanatory techniques to investigate the relationship between the utilization of technology and compliance with Sharia principles in Peer-to-Peer Lending applied by ALAMI Sharia for contributing to the promotion of financial inclusion in Indonesia. This study focuses on analyzing Peer-to-Peer Lending ALAMI Sharia as the primary subject, specifically in relation to its impact on financial inclusion. The results of this study are then presented in a descriptive narrative manner to describe the findings in the field. Based on the four financial inclusion criteria used in this study: product penetration, product availability, product use, and product quality, it is generally understood that the implementation of advanced technology at Sharia financial institutions plays a crucial role in improving financial inclusion by providing service efficiency both in cost and time. Similarly, implementing Islamic financial principles contributes to enhancing financial inclusion in Indonesia by creating appealing financial products that comply with Sharia principles. These products are believed to ensure the high quality of financial products. This study provides empirical evidence on the prospects and the function of technology-based Islamic financial institutions, which will be very valuable for stakeholders in both practical and academic fields.
The Nexus between The Islamic Human Development Index (I-HDI), Unemployment, and Population Growth in Influencing Poverty Wafa Maharani Putri; Purbayu Budi Santosa; M Bastomi Fahri Zusak; Denizar Abdurrahman Mi'raj
Economica: Jurnal Ekonomi Islam Vol. 16 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2025.16.1.25152

Abstract

This research investigates the relationship between the Islamic Human Development Index (I-HDI), Unemployment, Population Growth, and their impact on Poverty in G20 countries from 2010 to 2021. A purposive sampling method was used to select eight countries: the United States, Indonesia, the United Kingdom, Italy, Germany, Canada, France, and Turkey. The I-HDI was calculated using five Maqasid Shariah indicators. Unemployment was measured by the national unemployment rate, and Population Growth was represented by the annual population growth rate. A total of 384 panel data points were analyzed using the Fixed Effect Model (FEM) regression technique. The findings reveal a robust negative relationship between I-HDI and the Poverty Rate, indicating that improvements in human development are key drivers in alleviating poverty. In contrast, Unemployment shows a significant positive association with the Poverty Rate, meaning that an increase in unemployment leads to a rise in poverty levels. However, Population Growth does not exhibit a significant effect on the Poverty Rate, suggesting that demographic changes alone are not adequate to explain fluctuations in poverty across the G20 countries. These results offer valuable insights for policymakers focused on enhancing human development and addressing unemployment to effectively combat poverty.
Co-Authors Denizar Abdurrahman Mi'raj Fanet Muhammad Hanifan Paham Irham Zaki Purbayu Budi Santosa Wafa Maharani Putri