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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies BALQIS: Journal of Business Innovation and Digital Marketing BALQIS: Journal of Business Innovation and Digital Marketing Modern Islamic Studies and Sharia Research
Hardiansyah Padli
UIN Sjech M. Djamil Djambek Bukittinggi
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Integrasi Literasi Keuangan Syariah dalam Kurikulum Pendidikan Tinggi: Kerangka Integratif Kumaidi Kumaidi; Arna Saskia; Ade Rahayu; Hardiansyah Padli
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.10885

Abstract

The rapid growth of Indonesia’s Islamic finance industry contrasts with persistently low Islamic financial literacy, particularly among university students as future professionals. This study aims to synthesize existing literature to develop an integrative framework for embedding Islamic financial literacy within higher education curricula, identify multi-level implementation barriers, and propose adaptive strategies aligned with digital transformation. Using a qualitative Systematic Literature Review (SLR), this study analyzes ten peer-reviewed publications published between 2021 and 2025 through content and thematic analysis. The findings indicate that effective integration requires a holistic curriculum design encompassing cognitive, affective, and psychomotor competencies, supported by institutional readiness, lecturer capacity, and multi-stakeholder collaboration. Major barriers emerge at the micro, meso, and macro levels, including superficial digital literacy, limited interdisciplinary expertise among lecturers, fragmented institutional policies, and weak coordination between academia, industry, and regulators. This study demonstrates that digital transformation offers strategic opportunities to strengthen Islamic financial literacy through interactive, experiential, and community-based learning, provided it is accompanied by the development of critical and ethical financial reasoning. The main contribution of this research lies in proposing an integrative framework that connects curriculum design, implementation barriers, and adaptive strategies within a value-based and digitalized education context, offering theoretical and practical implications for higher education institutions and policymakers.
Integrasi Literasi Keuangan Syariah dalam Kurikulum Pendidikan Tinggi: Kerangka Integratif Kumaidi Kumaidi; Arna Saskia; Ade Rahayu; Hardiansyah Padli
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.10885

Abstract

The rapid growth of Indonesia’s Islamic finance industry contrasts with persistently low Islamic financial literacy, particularly among university students as future professionals. This study aims to synthesize existing literature to develop an integrative framework for embedding Islamic financial literacy within higher education curricula, identify multi-level implementation barriers, and propose adaptive strategies aligned with digital transformation. Using a qualitative Systematic Literature Review (SLR), this study analyzes ten peer-reviewed publications published between 2021 and 2025 through content and thematic analysis. The findings indicate that effective integration requires a holistic curriculum design encompassing cognitive, affective, and psychomotor competencies, supported by institutional readiness, lecturer capacity, and multi-stakeholder collaboration. Major barriers emerge at the micro, meso, and macro levels, including superficial digital literacy, limited interdisciplinary expertise among lecturers, fragmented institutional policies, and weak coordination between academia, industry, and regulators. This study demonstrates that digital transformation offers strategic opportunities to strengthen Islamic financial literacy through interactive, experiential, and community-based learning, provided it is accompanied by the development of critical and ethical financial reasoning. The main contribution of this research lies in proposing an integrative framework that connects curriculum design, implementation barriers, and adaptive strategies within a value-based and digitalized education context, offering theoretical and practical implications for higher education institutions and policymakers.
Digital Marketing Ethics 5.0: An Analysis of Islamic Economics Hardiansyah Padli
BALQIS : Journal of Business Innovation and Digital Marketing Vol. 1 No. 2 (2025): December 2025
Publisher : Program Studi Bisnis Digital - Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/balqis.v1i2.10025

Abstract

The development of the marketing landscape in the era of Marketing 5.0 is marked by the integration of advanced technologies such as artificial intelligence (AI), big data, and machine learning, which enable greater personalization and more intensive interaction with consumers. However, these advances present significant ethical challenges, including data privacy violations, greenwashing practices in sustainability claims, and potentially discriminatory algorithmic bias. These problems erode consumer trust, which is the main foundation of the digital marketing ecosystem. This study aims to analyze these issues from an Islamic economic perspective, emphasizing normative values as the basis for ethics. The method used is a conceptual analysis based on a literature review, examining literature on digital ethics in Marketing 5.0 and the basic principles of Islamic economics, such as tauhid, al-'adl, an-nubuwah, al-khilafah, and al-ma'ad. The results of the analysis show that privacy can be understood within the framework of tauhid as respect for human dignity, greenwashing can be criticized through the principles of honesty and prophetic trust, while algorithmic bias can be addressed with the principles of justice ('adl) and khailifah responsibility. Thus, the normative framework of Islamic economics is not only capable of providing ethical solutions to digital marketing issues, but also presents an alternative paradigm that emphasizes a balance between profitability, social justice, and sustainability. This study concludes that the integration of Islamic values in Marketing 5.0 is a new conceptual contribution that strengthens the literature on sustainable marketing while paving the way for the development of a theory of marketing based on transcendental ethics.
Digital Marketing Ethics 5.0: An Analysis of Islamic Economics Hardiansyah Padli
BALQIS : Journal of Business Innovation and Digital Marketing Vol. 1 No. 2 (2025): December 2025
Publisher : Program Studi Bisnis Digital - Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/balqis.v1i2.10025

Abstract

The development of the marketing landscape in the era of Marketing 5.0 is marked by the integration of advanced technologies such as artificial intelligence (AI), big data, and machine learning, which enable greater personalization and more intensive interaction with consumers. However, these advances present significant ethical challenges, including data privacy violations, greenwashing practices in sustainability claims, and potentially discriminatory algorithmic bias. These problems erode consumer trust, which is the main foundation of the digital marketing ecosystem. This study aims to analyze these issues from an Islamic economic perspective, emphasizing normative values as the basis for ethics. The method used is a conceptual analysis based on a literature review, examining literature on digital ethics in Marketing 5.0 and the basic principles of Islamic economics, such as tauhid, al-'adl, an-nubuwah, al-khilafah, and al-ma'ad. The results of the analysis show that privacy can be understood within the framework of tauhid as respect for human dignity, greenwashing can be criticized through the principles of honesty and prophetic trust, while algorithmic bias can be addressed with the principles of justice ('adl) and khailifah responsibility. Thus, the normative framework of Islamic economics is not only capable of providing ethical solutions to digital marketing issues, but also presents an alternative paradigm that emphasizes a balance between profitability, social justice, and sustainability. This study concludes that the integration of Islamic values in Marketing 5.0 is a new conceptual contribution that strengthens the literature on sustainable marketing while paving the way for the development of a theory of marketing based on transcendental ethics.
Islamic Moderation in Poverty Alleviation Strategy: A Study of Ibn Khaldun’s Economic Thought Hardiansyah Padli; Rahma Detik Kurningsih
Modern Islamic Studies and Sharia Research Vol. 1 No. 2 (2025): December 2025
Publisher : Pascasarjana UIN Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/missr.v1i2.10343

Abstract

Poverty remains an ongoing challenge in Indonesia despite relatively stable economic growth. This condition demonstrates the limitations of a technocratic approach to development, which often neglects ethical and social dimensions. This study aims to explore Ibn Khaldun's economic thinking as a basis for poverty alleviation within the framework of Islamic moderation (wasatiyyah). This study uses a qualitative approach based on literature review with thematic analysis of al-Muqaddimah and relevant contemporary literature in the field of Islamic economics. The results show that Ibn Khaldun's eight principles of development, particularly those related to the role of the state, institutions, human resource development, wealth distribution, and justice, reflect a moderate development model that integrates moral, spiritual, and economic dimensions. This model rejects extreme approaches such as minimalist or authoritarian states, and views wealth as a means of distributing social welfare, not as a tool for accumulating power. This study concludes that Ibn Khaldun's framework of thought provides a coherent epistemic foundation for inclusive and equitable development, and remains relevant to the contemporary Indonesian context. The scientific contribution of this research lies in its synthesis of classical Islamic development theory and the principles of Islamic moderation, thereby offering an alternative to conventional economic paradigms that tend to marginalize moral and social dimensions.
Co-Authors Ade Rahayu Arna Saskia Kumaidi Kumaidi Rahma Detik Kurningsih