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All Journal Randwick International of Social Science Journal Indonesian Journal of Multidisciplinary Science ORGANIZE: Journal of Economics, Management and Finance
Sharifi, Ahmad Khosrow
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences

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Digital Financial Twins in Islamic Microfinance: Evidence from Conflict-Affected Rural Economies (2020–2025) Yar, Fayaz Gul Mazloum; Sharifi, Ahmad Khosrow
Randwick International of Social Science Journal Vol. 6 No. 3 (2025): RISS Journal, July
Publisher : RIRAI Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47175/rissj.v6i3.1206

Abstract

Conflict affected rural microfinance faces data scarcity and repayment volatility, limiting sustainable outreach. No prior empirical study has evaluated Digital Financial Twin (DFT) analytics within Shariah compliant institutions under conflict conditions. We integrate cyber physical simulation with Islamic microfinance, offering the first large scale evidence of DFT impact on financial and poverty outcomes. We employ a quasi experimental design combining geospatial conflict data (ACLED), loan level records from five Islamic MFIs (N = 48,360 loans across 120 rural districts), and UNDP Multidimensional Poverty Index scores. Multivariate logistic regressions, structural equation modeling (SEM), and GIS mapping were implemented using R (v4.2.2) and lavaan (v0.6 12). DFT deployment correlates with a 5.8 pp increase in on time repayment (OR = 1.27, 95% CI [1.18, 1.37], p < 0.001) and a 5.9 pp reduction in default rates (OR = 0.72, 95% CI [0.64, 0.81], p < 0.001). SEM indicates a significant moderating effect of DFT on conflict intensity (β = 0.29, p < 0.01). GIS heatmaps demonstrate sustained outreach in high conflict zones. DFT analytics enhance Shariah compliant microfinance performance and resilience in fragile settings, informing policy on digital infrastructure investment in conflict affected economies.
Digital Financial Twins in Islamic Microfinance: Evidence from Conflict-Affected Rural Economies (2020–2025) Yar, Fayaz Gul Mazloum; Sharifi, Ahmad Khosrow
Indonesian Journal of Multidisciplinary Science Vol. 4 No. 11 (2025): Indonesian Journal of Multidisciplinary Science
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/ijoms.v4i11.1181

Abstract

Conflict-affected rural microfinance institutions (MFIs) face significant challenges, such as data scarcity and repayment volatility, which limit their sustainability and outreach. Despite the growing interest in digital technologies, no prior empirical study has evaluated the impact of Digital Financial Twin (DFT) analytics in Shariah-compliant MFIs operating in conflict zones. This study integrates cyber-physical simulation with Islamic microfinance practices to provide the first large-scale evidence on the impact of DFT analytics on financial and poverty outcomes. Using a quasi-experimental design, we combine geospatial conflict data (from ACLED), loan-level records from five Islamic MFIs (N = 48,360 loans across 120 rural districts), and the UNDP Multidimensional Poverty Index. The methods used include multivariate logistic regressions, structural equation modeling (SEM), and GIS mapping, utilizing R (v4.2.2) and lavaan (v0.6-12). Results indicate that DFT deployment is associated with a 5.8 percentage point increase in on-time repayments (OR = 1.27, p < 0.001) and a 5.9 percentage point reduction in default rates (OR = 0.72, p < 0.001). SEM reveals that DFT significantly moderates the effect of conflict intensity (? = 0.29, p < 0.01). GIS heatmaps show that DFT enables sustained outreach in high-conflict areas. This study demonstrates that DFT analytics can improve the performance and resilience of Shariah-compliant MFIs, offering valuable insights for policy regarding digital infrastructure investment in conflict-affected economies.
Digital Financial Twins in Islamic Microfinance: Evidence from Conflict-Affected Rural Economies (2020–2025) Fayaz Gul Mazloum Yar; Sharifi, Ahmad Khosrow
ORGANIZE: Journal of Economics, Management and Finance Vol. 4 No. 3 (2025): Economic Transformation and Development
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58355/organize.v4i3.178

Abstract

Conflict‑affected rural microfinance faces data scarcity and repayment volatility, limiting sustainable outreach. No prior empirical study has evaluated Digital Financial Twin (DFT) analytics within Shariah‑compliant institutions under conflict conditions. We integrate cyber‑physical simulation with Islamic microfinance, offering the first large‑scale evidence of DFT impact on financial and poverty outcomes. We employ a quasi‑experimental design combining geospatial conflict data (ACLED), loan‑level records from five Islamic MFIs (N = 48,360 loans across 120 rural districts), and UNDP Multidimensional Poverty Index scores. Multivariate logistic regressions, structural equation modeling (SEM), and GIS mapping were implemented using R (v4.2.2) and lavaan (v0.6‑12). DFT deployment correlates with a 5.8 pp increase in on‑time repayment (OR = 1.27, 95% CI [1.18, 1.37], p < 0.001) and a 5.9 pp reduction in default rates (OR = 0.72, 95% CI [0.64, 0.81], p < 0.001). SEM indicates a significant moderating effect of DFT on conflict intensity (β = 0.29, p < 0.01). GIS heatmaps demonstrate sustained outreach in high‑conflict zones. DFT analytics enhance Shariah‑compliant microfinance performance and resilience in fragile settings, informing policy on digital infrastructure investment in conflict‑affected economies.
Co-Authors Fayaz Gul Mazloum Yar YAR, Fayaz Gul Mazloum