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Integration of Islamic Financial Technology and Digital Financial Inclusion in Indonesia Rofik, Moh.; Huda, Nurul
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.1047

Abstract

The development of financial technology (FinTech) has opened significant opportunities to expand access to inclusive financial services, including within the Islamic finance ecosystem. This article examines how the integration of Islamic financial technology (sharia fintech) can enhance digital financial inclusion among Indonesian society throughout 2021–2025. Using a literature review approach based on academic research, regulatory reports (OJK), and international institutional publications, the findings indicate that sharia fintech has the potential to expand the reach of Islamic financial services, particularly for MSMEs, marginalized communities, and younger generations. However, major challenges include low Islamic financial literacy, regulatory gaps for digital sharia products, as well as data security and sharia governance issues. Recommendations include regulatory harmonization, enhancement of digital–sharia literacy, development of governance standards and sharia compliance certification for digital products, and incentives for platforms that integrate maqasid al-shariah principles and inclusion indicators.
The Preaching of the Village Clerics in Creating Religiosity in Youth Rofik, Moh.; Sadili, Imam
TA'DIBUNA: Jurnal Pendidikan Agama Islam Vol 8, No 2 (2025)
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/jpai.8.2.142-154

Abstract

This study examines the role of kyai kampung (village clerics) in fostering youth religiosity in Blumbungan Village, Pamekasan, Madura, where adolescents have previously engaged in negative behaviors such as illegal street racing, promiscuity, and hedonistic lifestyles influenced by Western culture. The study aims to explore how culturally grounded and participatory da’wah strategies shape youth religious awareness and behavior within the local social context. Using a qualitative interpretive approach with a case study design, data were collected through interviews, participant observation, and documentation from kyai, transformed adolescents, community leaders, and mosque administrators, selected via snowball sampling. Findings reveal that kyai kampung act not only as religious leaders but also as social companions, engaging youth in various religious activities such as pengajian, tajhizul mayit, and mosque programs, resulting in significant improvements in religious participation and moral conduct. The study concludes that culturally adapted, participatory da’wah effectively enhances youth religiosity and promotes social transformation in rural communities, providing a practical model for religious leaders and policymakers seeking contextually relevant approaches.
Exploring the Role of Islamic Religious Education in the Crisis of Character and Morality in the Modern Era Rofik, Moh.; Nursyam; Takunas, Rusli; Naima; Rahayu, Fitri
Lentera Pendidikan : Jurnal Ilmu Tarbiyah dan Keguruan Vol 29 No 1 (2026): JUNE
Publisher : Faculty of Tarbiyah and Teacher Training, Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lp.2026v29n1i6

Abstract

Character education in Indonesia faces serious challenges due to the decline of morals and character, such as student fights, bullying, and corruption, in the modern era. The purpose of this research is to analyze character formation through Islamic religious education (PAI) as the main solution. This research is qualitative with a type of library research and a descriptive-qualitative approach. Library research utilizes literature sources such as books and journal articles as the main data, which is collected, read, understood, and analyzed in depth and systematically. The data analysis technique uses descriptive analysis through a deductive approach to describe the data objectively and draw conclusions from general theories to specific cases according to the focus of the research. The results show that Islamic education is needed in supporting character formation in the modern era which is full of challenges faced by students today. Through Islamic religious education, students can have the opportunity to form individuals of faith, character, morality, responsibility, and dignity, through the function of development, improvement, and filtering of cultural values. Islamic religious education is one of the main foundations in building noble character in harmony with human nature and providing direction on how to behave. Abstrak: Pendidikan karakter di Indonesia menghadapi tantangan serius akibat penurunan moral dan karakter, seperti perkelahian mahasiswa, perundungan, dan korupsi, di era modern. Tujuan dari penelitian ini adalah untuk menganalisis pembentukan karakter melalui pendidikan agama Islam (PAI) sebagai solusi utama. Penelitian ini bersifat kualitatif dengan jenis penelitian perpustakaan dan pendekatan deskriptif-kualitatif. Penelitian perpustakaan memanfaatkan sumber literatur seperti buku dan artikel jurnal sebagai data utama, yang dikumpulkan, dibaca, dipahami, dan dianalisis secara mendalam dan sistematis. Teknik analisis data menggunakan analisis deskriptif melalui pendekatan deduktif untuk mendeskripsikan data secara objektif dan menarik kesimpulan dari teori umum hingga kasus spesifik sesuai dengan fokus penelitian. Hasil penelitian menunjukkan bahwa pendidikan Islam sangat dibutuhkan dalam mendukung pembentukan karakter di era modern yang penuh dengan tantangan yang dihadapi oleh mahasiswa saat ini. Melalui pendidikan agama Islam, siswa dapat memiliki kesempatan untuk membentuk individu yang beriman, berakhlak, bermoral, bertanggung jawab, dan bermartabat, melalui fungsi pengembangan, peningkatan, dan penyaringan nilai-nilai budaya. Pendidikan agama Islam merupakan salah satu landasan utama dalam membangun karakter mulia yang selaras dengan sifat manusia dan memberikan arahan bagaimana berperilaku.