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All Journal Islamiconomic: Jurnal Ekonomi Islam Al-Muhtarifin: Islamic Banking and Islamic Economic Journal
Hendra Hendra
Institut Syekh Abdul Halim Hasan Binjai
Religion Economics, Econometrics & Finance Social Sciences

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Strengthening Competitiveness through Sharia-Based Digitalization: A Case Study of Kampung Tahu Binjai City Indonesia Hendra Hendra; Zunaida Riska; Andri Soemitra; Faisal Nasution
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.988

Abstract

This study aims to analyze the role of digitalization in enhancing the competitiveness of sharia-based creative industries, identify the challenges faced, and formulate strategies to optimize digital transformation in the tofu production center of Kampung Tahu, Binjai City. Using a qualitative approach with a case study method, data were collected through in-depth interviews with twelve informants, field observations, and document analysis related to digitalization and sharia economic policies. Thematic analysis with an inductive approach was employed to process the data, supported by triangulation for validity. The findings reveal that digitalization contributes significantly to expanding market access, improving operational efficiency, and reinforcing sharia principles through transparent and halal-compliant financial systems. However, challenges remain, including low digital literacy, limited infrastructure, weak understanding of digital sharia practices, and insufficient institutional support. To address these, several strategies are proposed, such as sharia-based digital literacy programs, equitable infrastructure development, multi-stakeholder collaboration, and the establishment of halal digital ecosystems. This research provides a unique contribution by presenting a contextual model of sharia-oriented digitalization strategies for traditional food-based MSMEs, an area rarely explored in existing literature, thereby offering both theoretical enrichment and practical guidance for inclusive and sustainable sharia economic transformation.
INVESTASI BAGI HASIL DALAM EKONOMI MIKRO ISLAM Hendra Hendra; San Putra; Hadi Gunawan
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 5, No 1 (2026): Jan 2026
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v5i1.28038

Abstract

Profit-sharing investment represents a cornerstone of Islamic microeconomics, embodying principles of justice, risk sharing, and ethical financial participation. This study aims to analyze the implementation, challenges, and optimization strategies of profit-loss sharing (mudharabah and musyarakah) contracts in microeconomic contexts. Employing a qualitative descriptive-analytical approach, data were collected from secondary sources, including scholarly articles, books, and institutional reports published within the last five years. The findings indicate that while profit-sharing investment has significant potential to empower micro-entrepreneurs and promote financial inclusion, its practical implementation is constrained by institutional limitations, information asymmetry, risk aversion, and regulatory ambiguity. Successful application of profit-sharing mechanisms depends on transparency, participatory monitoring, financial literacy, and supportive social and legal frameworks. The study also identifies strategic pathways to optimize profit-sharing investment, such as institutional capacity building, technological adoption, and policy interventions. Overall, profit-sharing investment can serve as an effective, inclusive, and ethically grounded tool in Islamic microeconomics, provided that both institutional and socio-cultural conditions are adequately addressed.
Co-Authors Andri Soemitra Faisal Nasution Hadi Gunawan San Putra Zunaida Riska