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All Journal Journal of Artificial Intelligence and Digital Business Moderasi : Journal of Islamic Studies
Afna, Inda Millata
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Religion Humanities Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Social Sciences

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Toleransi Digital dan Moderasi Beragama Generasi Z di Indonesia: Analisis Negosiasi Nilai di Ruang Publik Media Sosial Masrur, Muhamad; Zulfa, Indah Naela; Afna, Inda Millata; Putri, Norma Kartika; Hasanah, Nur Lailatul
Moderasi : Journal of Islamic Studies Vol. 5 No. 2 (2025): Desember (On Progress)
Publisher : Lajnah Ta'lif wan Nasyr Nahdlatul Ulama (LTN-NU) Kabupaten Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/moderasi.v5i2.125

Abstract

This study aims to examine the dynamics of social interaction among Generation Z in the digital sphere and to identify the factors influencing the formation of tolerance and religious moderation attitudes on social media. The research focuses on how Generation Z negotiates identity, values, and empathy within the digital public sphere shaped by algorithms and opinion polarization. A descriptive qualitative approach was employed, combining discourse analysis of interfaith-themed TikTok content such as “Edis TV Batu Hajar Aswad” and “Habib Jafar Kumpul Enam Agama” with reflective questionnaires from five Generation Z respondents. Data were analyzed using Miles and Huberman’s interactive model through the stages of data reduction, display, and verification, supported by source and method triangulation to ensure validity. The findings reveal that social media functions as a site for social learning and interfaith identity expression, where digital tolerance values are developed through interfaith meaning negotiation, digital empathy practices, and reflection on algorithmic bias. The formation of tolerant attitudes is influenced by family values, multicultural education, reflective digital literacy, and algorithmic exposure. The study highlights the significance of wasathiyah the Islamic principle of balance and justice as a moral foundation for fostering digital religious moderation and empathy-based literacy to strengthen social cohesion and a culture of tolerance in Indonesia’s multicultural society.
Gender-Inclusive Governance in BMT: The Role of Women in Leadership and Decision-Making Asytuti, Rinda; Afna, Inda Millata; Kamalia, Aini Anjali Putri
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3679

Abstract

The role of women in Islamic microfinance institutions, particularly Baitul Maal wat Tamwil (BMT), is a crucial aspect of modern Islamic economic development. Although Islamic principles emphasize justice and equality, women’s representation in BMT leadership and decision-making remains limited, even though they are primary beneficiaries and possess strong social awareness of members’ needs. This study aims to analyze the role and influence of women in BMT governance while identifying gender gaps in the adoption of Islamic finance. It also examines the factors that shape Islamic finance adoption among small and medium enterprises and explores gender-based differences. Using qualitative methods through in-depth interviews and focus group discussions with BMT management and female members, combined with quantitative analysis using a simple logistic model, this research assesses key determinants of women’s decision-making. Fairlie’s decomposition analysis is applied to evaluate gender disparities in the implementation of Islamic financial systems with a sample of 1,358 SMEs. The findings show that women’s involvement in BMT leadership enhances transparency, social empathy, and alignment with maqāṣid al-sharī‘ah. Moreover, gender differences in Islamic finance adoption highlight the need for more inclusive governance strategies to ensure justice and equal participation. The study emphasizes the importance of policies that strengthen women’s roles and contribute to more inclusive, equitable, and sustainable BMT development.
Co-Authors Hasanah, Nur Lailatul Kamalia, Aini Anjali Putri Masrur, Muhamad Putri, Norma Kartika Zulfa, Indah Naela