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This Author published in this journals
All Journal Al-Mashrof: Islamic Banking and Finance The International Journal of Studies in Social Sciences and Humanities (IJOSSH)
Dwi Indriani Fidiastutik Wijaya
Unknown Affiliation
Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Optimizing Sharia Finance with Big Data to Overcome the Challenges of Digitalization Dwi Indriani Fidiastutik Wijaya; Candra Pramula Pinandita; Rahma Rina Wijayanti
Al-Mashrof: Islamic Banking and Finance Vol. 6 No. 1 (2025): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/7jya1690

Abstract

This study aims to develop a conceptual understanding of how big data can be optimized to support innovation and improve transparency, accuracy, and sharia compliance in Islamic financial institutions. A qualitative approach was employed through a systematic literature review of peer-reviewed publications from 2015 to 2025. Sources were selected based on relevance, credibility, and their contribution to understanding the nexus between big data and sharia-compliant financial systems. The findings indicate that big data enables real-time compliance monitoring, improves the accuracy of financial reporting, and enhances risk prediction aligned with Islamic jurisprudence. However, significant barriers remain, including limited technological infrastructure, privacy concerns, and the need for ethical frameworks tailored to sharia law. With targeted regulatory adjustments, infrastructure development, and capacity-building, big data holds transformative potential for the sharia finance industry. This study contributes a novel conceptual framework for data-driven transformation in Islamic finance and provides actionable insights for policymakers, regulators, and industry stakeholders seeking to align technological innovation with Islamic ethical and legal standards. Keywords: Big Data, Sharia Finance, Digital Transformation, Compliance, Financial Technology
Enhancing Sustainable MSMEs in Karangpring Village through Developing a Green Accounting-based Village Product Bank Model Oktaviani, Siska Aprilia; Prillinaya Yudhistira; Candra Pramula Pinandita; Dwi Indriani Fidiastutik Wijaya; Ponti Primastuti Aulia Nugraheni
International Journal of Studies in Social Sciences and Humanities Vol. 3 No. 1 (2026): July (in progress)
Publisher : P3M Politeknik Negeri Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25047/ijossh.v3i1.6653

Abstract

Sustainable development requires a balance between economic, social, and environmental dimensions. Green accounting emerges as an approach that internalizes environmental impacts into economic practices. However, its implementation has largely been explored at the corporate level, while studies at the village and MSME institutional scale remain limited. This study focuses on Karangpring Village, Jember, which hosts three key MSME sectors (batik, rose farming, and coffee) but faces challenges such as limited capital, weak marketing capacity, and restricted market access. This research proposes a village product bank model based on green accounting as a collective institution that integrates production management, marketing, and environmentally conscious financial recording to address these issues. A descriptive qualitative approach is employed to explore socio-economic dynamics and the feasibility of green accounting adoption in MSMEs at the village level. The novelty of this research lies in: (1) developing a model for integrating green accounting within village-scale institutions; (2) formulating green accounting indicators tailored for MSMEs; and (3) fostering a collaborative ecosystem among MSME sectors that opens opportunities for linkage with green financing schemes. The proposed model is expected to serve as a replicable framework for other villages in strengthening inclusive and sustainable local economic governance. 
Co-Authors Oktaviani, Siska Aprilia Pinandita, Candra Pramula Ponti Primastuti Aulia Nugraheni Prillinaya Yudhistira Rahma Rina Wijayanti