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p-Index From 2021 - 2026
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All Journal Journal Development Manecos Tasfiyah : Journal of Islamic Law and Sharia Economics
Dede Nurdiansyah
UIN Syarif Hidayatullah Jakarta
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Influence of Digital Infrastructure Readiness and Regulatory Effectiveness on Islamic Financial Inclusion through FinTech: An Analysis Using Structural Equation Modeling (SEM-PLS) Dede Nurdiansyah
Tasfiyah : Journal of Islamic Law and Sharia Economics Vol 1 No 2 (2025): Dinamika Hukum Islam dan Ekonomi Syariah dalam Menjawab Tantangan Sosial, Peradil
Publisher : Yayasan Penelitian dan Pengabdian Masyarakat Sisi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69836/tasfiyah.v1i2.537

Abstract

This study examines the influence of digital infrastructure readiness and regulatory effectiveness on Islamic financial inclusion through the role of FinTech using the Partial Least Squares-based Structural Equation Modeling method (SEM-PLS). The analysis results show that both factors have a positive and significant influence on Islamic financial inclusion, with FinTech acting as the main mediator. Regulatory effectiveness is proven to increase public trust in FinTech while ensuring compliance with Sharia principles, while digital infrastructure readiness expands FinTech access through support of stable internet networks and integrated payment systems. FinTech itself plays an important role in expanding access to Sharia finance, especially for communities previously unreachable by the conventional financial system. However, the direct influence of digital infrastructure readiness on Islamic financial inclusion is relatively smaller, indicating that digital infrastructure does not directly provide a major impact without the role of FinTech as a connector. These findings provide practical implications for policymakers, regulators, and FinTech service providers in designing policies that support the development of inclusive and Sharia-compliant FinTech. This study contributes to the Islamic finance literature by emphasizing the importance of integrating technology, regulation, and Sharia principles to achieve broader and more sustainable financial inclusion in the digital era.
A Compliance Risk Management In Islamic And Conventional Banking: A Systematic Literature Review And Research Agenda Dede Nurdiansyah
Journal Development Manecos Vol. 4 No. 1 (2026): Journal Development Manecos
Publisher : Scieclouds Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71435/738334

Abstract

This study systematically reviews the development of compliance risk management in Islamic and conventional banking by synthesizing scholarly evidence published between 2015 and 2025. Using a Systematic Literature Review approach guided by the PRISMA framework, this review analyzes 107 studies collected from Scopus and the Watase database. The analysis applies thematic synthesis, supported by the TCCM and CIMO frameworks, to identify the dominant theories, contexts, characteristics, methodologies, mechanisms, and outcomes discussed in the literature. The findings show that compliance risk management has evolved from a narrow regulatory obligation into a multidimensional governance capability shaped by regulatory pressure, corporate governance, Shariah governance, technological capability, organizational culture, and stakeholder expectations. Four major thematic clusters emerged from the reviewed studies: regulatory compliance and banking risk management, Shariah compliance and Shariah governance, corporate governance and internal control, and digital transformation in compliance practices. The review also finds that existing research is geographically concentrated in Malaysia, Indonesia, South Asia, and GCC countries, reflecting the institutional maturity of Islamic finance and dual banking systems in these regions. Although many studies emphasize the positive role of governance and compliance mechanisms in improving stability, legitimacy, and performance, the evidence also indicates that compliance may generate operational costs and rigidity when implemented only as a formal requirement. Furthermore, digital transformation, including fintech, regtech, artificial intelligence, cybersecurity, and digital monitoring tools, remains an emerging but underdeveloped area. This review contributes by offering an integrative synthesis and proposing future research directions on AI-driven compliance, ESG-Shariah integration, and cross-jurisdictional regulatory harmonization.
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