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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah
Mustofa
Universitas Islam Negeri Sunan Ampel Surabaya
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Harmoni Digital dalam Keuangan Islam: Tinjauan Pustaka Tentang Kepatuhan Syariah dan Integrasi Teknologi Samsul Arifin; Mustofa; Silvia Rachmawati; Fatimatus Zahroh
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 9 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i9.8163

Abstract

Digital transformation in the Islamic finance sector provides opportunities to improve financial efficiency and inclusion, but also faces complex challenges in maintaining Shariah compliance and integrating technology in line with Islamic ethical principles. This study aims to analyse the linkages between digitalisation and Shariah compliance, and identify challenges and opportunities in the integration of technology into the Islamic financial system. Using a qualitative research method based on library research, this study analyses selected literature from the Google Scholar database through a thematic approach. The results show that technologies such as blockchain, artificial intelligence (AI), and smart contracts have the potential to improve transparency and accountability, but their effectiveness is highly dependent on the design of the system in accordance with maqasid al-shariah. Key challenges include cybersecurity risks, global regulatory misalignment, and cultural resistance caused by low digital literacy. On the other hand, innovations in Islamic fintech and Shariah-based crowdfunding provide opportunities to expand access to inclusive finance. The implications of this study emphasise the importance of an adaptive regulatory framework, cross-disciplinary collaboration (including technologists, scholars, and regulators), and human resource capacity building to ensure alignment between sharia principles and technological developments. The findings provide a foundation for the development of sustainable Islamic finance policies and practices in the digital era.
STRATEGI INFLUENCER MARKETING SEBAGAI UPAYA OPTIMALISASI BRAND AWARENESS DAN MINAT BELI KONSUMEN WARDAH Salsabila Imarotul Maftuhah; Mustofa
Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah Vol. 1 No. 6 (2025): Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah (Bulan Desember 2025)
Publisher : PT. Saha Kreasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64788/ar-rasyid.v1i6.253

Abstract

This study explains whether influencer marketing can be used as the most effective brand awareness strategy in increasing consumer interest in Wardah products. This research uses a qualitative method with a library research approach taken from scientific articles and scientific journals about Halal cosmetics and skincare in Indonesia. The results of the study show that influencer marketing can increase brand awareness through several mechanisms, namely influencer credibility, authenticity of content, visual appeal, and influencer informative that attracts consumer buying interest. This study found that Wardah brands in their Wardah products need to choose credible influencers, provide educational content in marketing Wardah products.
Co-Authors Fatimatus Zahroh Salsabila Imarotul Maftuhah Samsul Arifin Silvia Rachmawati