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All Journal Musyarakah: Journal of Sharia Economics (MJSE) Al Urwah : Sharia Economics Journal
Febriza, Milla
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Religion Economics, Econometrics & Finance

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Islamic Civilization and the Digital Economy: Building a Sharia Economy in Modern Era Mardiyyah, Ema; Harahap, Nikma Sari; Febriza, Milla
Musyarakah: Journal of Sharia Economic (MJSE) Vol 5, No 1 (2025): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v5i1.10923

Abstract

Islamic civilization has made great contributions in various fields, including economics, with principles that emphasize justice, balance and sustainability. principles that emphasize justice, balance, and sustainability. Along with digital transformation brings new challenges and opportunities for Islamic economics, which can integrate Islamic values with for Islamic economics, which can integrate Islamic values with modern technology. modern technology. This research aims to examine how Islamic civilization can build Islamic economics in the digital era through the utilization of technology such as fintech, blockchain, and e-commerce. technology such as fintech, blockchain, and e-commerce. This research uses a literature review approach. Digital economy can expand sharia financial inclusion, facilitate access to sharia-based financial services, and create innovations that meet the needs of sharia financial services, and create innovations that suit the needs of modern society. needs of modern society. Nonetheless, the main challenge faced is ensuring that digital economic practices remain in line with sharia principles, such as the prohibition of riba, gharar and maysar. principles, such as the prohibition of riba, gharar, and maysir. In this context, this research explores how digital technology can be applied in the Islamic economy without violating Islamic principles, as well as how regulation and supervision can ensure its integrity. Research results show that despite the challenges, the integration of the digital economy with Shariah principles can create a more inclusive, equitable and sustainable economic system, which can contribute to the development of a fairer global economy. This research contributes to the literature on Islamic economic development in the digital age and offers insights into ways to ethically utilize technology in accordance with Islamic values
The Influence of Knowledge, Sharia Compliance, Religiosity, and Local Wisdom on the Implementation of Green Banking Behavior Febriza, Milla
Al Urwah : Sharia Economics Journal Vol. 3 No. 1: Sharia Governance and Sustainable Finance: Ethical Transformation in the Digital and G
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i01.282

Abstract

This study examines how knowledge, sharia compliance, religiosity, and local wisdom influence green banking behavior among employees of Bank Muamalat in West Sumatra, Indonesia. While green banking is widely discussed in sustainable finance, few studies explore its behavioral drivers in Islamic banking, especially with religious and cultural integration. Using a quantitative approach, data were collected from 49 employees across four branches (Padang, Payakumbuh, Bukittinggi, Solok) through a structured questionnaire and analyzed with multiple linear regression (SPSS 26). The results show that knowledge (β = 0.234, p < 0.05), sharia compliance (β = 0.163, p < 0.01), religiosity (β = 0.212, p < 0.01), and local wisdom (β = 0.269, p < 0.001) each positively and significantly affect green banking behavior. Together, these variables explain 72.5% of its variance (R² = 0.725). This study is among the first to integrate behavioral, religious, and cultural dimensions in explaining green banking practices in Indonesia’s Islamic financial institutions. The findings highlight that cognitive, regulatory, spiritual, and cultural factors jointly shape environmentally responsible banking behavior. Islamic banks are encouraged to enhance training, reinforce sharia compliance, and integrate local wisdom into environmental programs to strengthen sustainable finance practices.
Islamic Civilization and the Digital Economy: Building a Sharia Economy in Modern Era Mardiyyah, Ema; Harahap, Nikma Sari; Febriza, Milla
Musyarakah: Journal of Sharia Economic (MJSE) Vol 5, No 1 (2025): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v5i1.10923

Abstract

Islamic civilization has made great contributions in various fields, including economics, with principles that emphasize justice, balance and sustainability. principles that emphasize justice, balance, and sustainability. Along with digital transformation brings new challenges and opportunities for Islamic economics, which can integrate Islamic values with for Islamic economics, which can integrate Islamic values with modern technology. modern technology. This research aims to examine how Islamic civilization can build Islamic economics in the digital era through the utilization of technology such as fintech, blockchain, and e-commerce. technology such as fintech, blockchain, and e-commerce. This research uses a literature review approach. Digital economy can expand sharia financial inclusion, facilitate access to sharia-based financial services, and create innovations that meet the needs of sharia financial services, and create innovations that suit the needs of modern society. needs of modern society. Nonetheless, the main challenge faced is ensuring that digital economic practices remain in line with sharia principles, such as the prohibition of riba, gharar and maysar. principles, such as the prohibition of riba, gharar, and maysir. In this context, this research explores how digital technology can be applied in the Islamic economy without violating Islamic principles, as well as how regulation and supervision can ensure its integrity. Research results show that despite the challenges, the integration of the digital economy with Shariah principles can create a more inclusive, equitable and sustainable economic system, which can contribute to the development of a fairer global economy. This research contributes to the literature on Islamic economic development in the digital age and offers insights into ways to ethically utilize technology in accordance with Islamic values
Co-Authors Harahap, Nikma Sari Mardiyyah, Ema