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From Grey to Green: Transforming Informal Financial Practices Towards Sustainable Funding Alfina Rahmatia; Arief Dwi Saputra
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 1 (2025): Vol. 12 No. 1 (2025)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v12i1.17513

Abstract

Informal financial practices, also known as grey finance, have always contributed to the economies of many countries, especially in communities with limited or no access to formal financing facilities. This study aims to address the transformation of these informal financial practices into sustainable financing mechanisms that align with the current global trend for green and ethical financial models. Sentiment and discourse analysis were used to understand the perceptions, motivations, and challenges from a financial transition perspective. The information is extracted from various empirical data in the form of interviews and textual data from previous research articles. Data analysis is conducted using Nvivo 12 software. Sentiment analysis helps identify the emotional tone of sentiments that describe the process of societal transformation. Discourse analysis is conducted in-depth to find the role tendencies in previous research. Among the discursive themes are trust, financial inclusion, environmental responsibility, and regulatory challenges significant in establishing a path toward sustainable finance. This study helps understand how informal financial practices can be restructured in line with ethical and sustainable financial principles while generating essential insights for policymakers and financial practitioners working at the intersection of grey and green finance. Ultimately, the study calls for an inclusive financial system sensitive to socio-economic and environmental variables. It promises to create a resilient and sustainable global financial system.
Application of Islamic Spiritual Intelligence as a MSMe Strategy in Post-Pandemic Arief Dwi Saputra; Alfina Rahmatia; Andi Azhar
International Journal of Islamic Business and Economics (IJIBEC) Vol 6 No 2 (2022): Volume 6 Nomor 2 Tahun 2022
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v6i2.5701

Abstract

This study aims to investigate how Islamic spiritual intelligence is applied as a strategy for entrepreneurship in facing the post-pandemic. This study used a qualitative research strategy with a sample of 128 respondents. The root of the problem is reviewed from the literature review and strengthened by collecting data from the in-depth interview process. The data is processed using the Nvivo 12 application with coding similarity analysis then the results of the study are used as a reference and conclusions through the data obtained. The results of this study found that there are seven elements of spiritual intelligence from an Islamic perspective, namely faith, piety, morality, shiddîq (honest), amânah (responsible), tablîgh (conveying), fathânah (intelligent), discipline, visionary, and empathy. A review of the total percentage of 100% has the potential for Islamic entrepreneurship in achieving business sustainability in the ability of business actors to manage their business through attitudes and decision-making that rely on elements of Islamic spirituality intelligence.