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All Journal AB-JOIEC: Al-Bahjah Journal of Islamic Economics Journal of Sharia Economics, Banking and Accounting
Naufal Luthfi Alifa
UIN Siber Syekh Nurjati Cirebon
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Perbandingan Dinamika Kelembagaan Ekonomi Islam di Arab Saudi dan Singapura: Tantangan, Strategi Penguatan, dan Implikasinya bagi Pengembangan Ekonomi Islam di Indonesia. Lailatun Lathifah; Naufal Luthfi Alifa
Journal of Sharia Economics, Banking and Accounting Vol 3, No 1: 2026
Publisher : STAI Nurul Islam Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52620/jseba.v3i1.299

Abstract

This study aims to compare the dynamics of Islamic economic institutions in Saudi Arabia and Singapore to understand the challenges, strengthening strategies, and their implications for Islamic economic development in Indonesia. The scope of the study covers geographic conditions, economic characteristics, institutional models, and regulatory and innovation strategies for Islamic finance in both countries. The results show that Saudi Arabia developed Islamic economic institutions based on sharia legitimacy and national integration, while Singapore adopted a flexible model oriented towards global markets and innovation. These differences in approach result in their respective strengths and limitations. The study concludes that Indonesia can adopt a combination of the Saudi and Singaporean models through strengthening regulations, harmonizing sharia standards, digital innovation, and improving human resource quality to build competitive and sustainable Islamic economic institutions. 
TRANSPARANSI INFORMASI PAYLATER DAN PERILAKU KONSUMTIF: DAMPAK SOSIAL TERHADAP KELOMPOK RENTAN DI INDONESIA Cahya I'liyin; Shafira Rizkiyanti; Destyani Risti Syafhana; Tiara Aulya Azra; Ahmad Rizqi Ziyad; Naufal Luthfi Alifa
AB-JOIEC: Al-Bahjah Journal of Islamic Economics Vol. 4 No. 1 (2026): AB-JOIEC
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61553/abjoiec.v4i01.1101

Abstract

Layanan Buy Now, Pay Later (BNPL) di Indonesia berkembang pesat seiring penguatan regulasi yang mewajibkan transparansi informasi. Namun, penelitian terdahulu cenderung memisahkan aspek regulasi, perilaku konsumen, dan dampak sosial, sehingga efektivitas mandatory disclosure, mekanisme behavioral economics, serta konsekuensi BNPL terhadap kelompok rentan masih belum terintegrasi. Penelitian ini bertujuan menganalisis keterkaitan transparansi informasi, perilaku konsumtif, dan dampak sosial BNPL di Indonesia melalui integrasi Teori Asimetri Informasi, Technology Readiness and Acceptance Model (TRAM), Behavioral Economics/Choice Architecture, dan kerangka evaluatif SDGs. Penelitian menggunakan metode kualitatif library research dengan pendekatan narrative literature review terhadap sumber dari Google Scholar, Scopus, ScienceDirect, dan Garuda. Data dianalisis menggunakan content analysis melalui pengodean tematik dan triangulasi temuan domestik, bukti empiris internasional, serta dokumen regulasi. Hasil kajian menunjukkan bahwa transparansi formal belum selalu menghasilkan pemahaman substantif konsumen, sehingga asimetri informasi tetap dapat terjadi. Kondisi tersebut membuka ruang bagi bias kognitif, seperti present bias, anchoring, mental accounting, dan berkurangnya pain of paying, yang dapat mendorong perilaku konsumtif, terutama pada kelompok dengan literasi keuangan terbatas. Dampaknya berupa peningkatan risiko utang tersembunyi dan beban sosial yang lebih besar pada kelompok rentan. Penelitian ini menawarkan model rantai kausal-siklis yang menghubungkan regulasi, transparansi, mekanisme perilaku, dan dampak sosial, serta merekomendasikan pergeseran regulasi dari disclosure menuju comprehension dan behavioral safeguard. Model ini tetap memerlukan pengujian empiris lebih lanjut
Co-Authors Ahmad Rizqi Ziyad Cahya I'liyin Destyani Risti Syafhana Lailatun Lathifah Shafira Rizkiyanti Tiara Aulya Azra