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All Journal Society : Jurnal Pengabdian dan Pemberdayaan Masyarakat Journal of Islamic Economic Laws
Fathma, Azizah
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Islamic Circular Economy in Business Practice and Islamic Finance: A Systematic Literature Review Fathma, Azizah; Thoriq Alfarisi, Muhammad; Darwanto
Journal of Islamic Economic Laws Vol. 8 No. 02 (2025): July
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v8i02.11697

Abstract

Global environmental crises, including climate change, natural resource degradation, and increasing waste, pose significant challenges to conventional linear economic systems. In response, the circular economy has emerged as an alternative model emphasizing resource reduction, reuse, and recycling. However, scholarly work examining its integration with Islamic values remains fragmented. This study addresses this gap through a systematic literature review of 11 Scopus-indexed publications (2019-2024) conducted according to PRISMA guidelines. The method employed in this research is a literature review, which aims to describe the existing research landscape on the circular economy from an Islamic perspective, drawing on relevant and current academic literature. The analysis reveals two themes in circular economy research from an Islamic perspective: First, the concept of Islamic Circular economy in business practice, such as khalifah fil ardh (stewardship), tawazun (balance), maslahah (public benefit), and the prohibition of israf (waste), demonstrates intrinsic compatibility with circular economy goals. Second, the Islamic finance sector, with its blended financial models, Islamic social finance instruments, and green sukuk, offers viable financing alternatives for circular economy initiatives. The findings provide a foundational mapping for future research to further develop Islamic circular economy models, particularly through empirical validation and practical implementation strategies in both financial and business domains.
Peningkatan Literasi Keuangan Digital Melalui Pelatihan Penggunaan Aplikasi Personal Finance pada Anggota BMT Center Kube Karanganyar Fathma, Azizah; Adinda Putri Cahyani; Anis Ulul Hikmah; Alam, Azhar
Society : Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 7 No. 1 (2026): Vol. 7 No. 1, April 2026 (Inpress)
Publisher : Universitas Dinamika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37802/society.v7i1.1102

Abstract

The level of digital financial literacy in Indonesia remains below the average of other ASEAN countries such as Malaysia, Thailand, and Singapore. This community service program aims to enhance digital financial literacy among members of BMT Center Kube Karanganyar through training on the use of a personal finance application, FINKU. As a leading cooperative in Karanganyar, BMT Center Kube has consistently provided training and empowerment programs for its members. However, many members still do not manage their personal finances routinely or effectively. The program was implemented using a participatory approach, involving not only the delivery of financial literacy materials but also hands-on practice and discussion sessions on the use of the FINKU application. This application helps users record income and expenses, set budgets, and monitor financial goals through integration with banking and e-wallet platforms. The results of the program indicate an improvement in participants' understanding and practical skills in financial management. Participants began to adopt better financial behavior, including regular financial tracking and more conscious budgeting. Furthermore, enhanced personal financial management among members is expected to contribute to a reduction in the cooperative’s non-performing financing (NPF) rate, which in turn can strengthen the financial performance of BMT and increase beneficial for its members.
Co-Authors Adinda Putri Cahyani Anis Ulul Hikmah Azhar Alam Darwanto Thoriq Alfarisi, Muhammad