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All Journal Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Journal of Artificial Intelligence and Digital Business Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
Gea, Titi Inri Ani
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Religion Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering

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Transforming Consumer Demand In The Age Of Digital Disruption: Evidence From Digital Ethnography (Netnography) And Islamic Economics Syarif, Anwar; Syafii, Herman; Gea, Titi Inri Ani; Harahap, Ira Damayanti; Harahap, Muhammad Yusuf; Ridwan, Muhammad
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i2.19134

Abstract

The digital economy has changed how consumers make purchasing decisions. The growth of e-commerce, social media platforms, digital recommendations, and digital payment systems has made consumption more fast-paced and emotionally driven. This study explores changes in consumer demand in the digital economy from an Islamic economics perspective, focusing on ethical and welfare issues.This research uses a qualitative method through digital ethnography. Data were collected by observing publicly available consumer activities, such as comments, reviews, and shopping experiences on platforms like Shopee, Tokopedia, TikTok Shop, Instagram, and TikTok. The data were analyzed using thematic analysis.The results show that consumer demand is influenced by algorithms, promotional pressure, and easy payment systems such as e-wallets and Buy Now Pay Later (BNPL). These features encourage impulsive buying and reduce control over spending. Some consumers later realize the risk of overconsumption and financial problems.From an Islamic economics perspective, these patterns raise ethical concerns related to Maqāṣid al-Sharī‘ah, especially the protection of wealth and rational thinking. This study highlights the need for ethical digital platforms, better consumer awareness, and policies that support responsible digital consumption.
Transforming Consumer Demand In The Age Of Digital Disruption: Evidence From Digital Ethnography (Netnography) And Islamic Economics Syarif, Anwar; Syafii, Herman; Gea, Titi Inri Ani; Harahap, Ira Damayanti; Harahap, Muhammad Yusuf; Ridwan, Muhammad
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i2.19134

Abstract

The digital economy has changed how consumers make purchasing decisions. The growth of e-commerce, social media platforms, digital recommendations, and digital payment systems has made consumption more fast-paced and emotionally driven. This study explores changes in consumer demand in the digital economy from an Islamic economics perspective, focusing on ethical and welfare issues.This research uses a qualitative method through digital ethnography. Data were collected by observing publicly available consumer activities, such as comments, reviews, and shopping experiences on platforms like Shopee, Tokopedia, TikTok Shop, Instagram, and TikTok. The data were analyzed using thematic analysis.The results show that consumer demand is influenced by algorithms, promotional pressure, and easy payment systems such as e-wallets and Buy Now Pay Later (BNPL). These features encourage impulsive buying and reduce control over spending. Some consumers later realize the risk of overconsumption and financial problems.From an Islamic economics perspective, these patterns raise ethical concerns related to Maqāṣid al-Sharī‘ah, especially the protection of wealth and rational thinking. This study highlights the need for ethical digital platforms, better consumer awareness, and policies that support responsible digital consumption.
Optimalisasi Distribusi Zakat di Era Digital dalam Perspektif Ekonomi Islam Gea, Titi Inri Ani; Yafiz, Muhammad
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.6211

Abstract

Distribusi zakat memiliki peran strategis dalam mewujudkan keadilan sosial dan peningkatan kesejahteraan umat dalam sistem ekonomi Islam. Zakat tidak hanya berfungsi sebagai instrumen ibadah individual, tetapi juga sebagai mekanisme distribusi kekayaan yang bertujuan mengurangi kesenjangan sosial dan memberdayakan mustahik secara berkelanjutan. Perkembangan teknologi digital pada era modern membuka peluang besar untuk meningkatkan efektivitas dan efisiensi pengelolaan serta distribusi zakat melalui pemanfaatan sistem informasi yang terintegrasi, pengelolaan basis data mustahik yang lebih akurat, serta peningkatan transparansi dan akuntabilitas lembaga pengelola zakat. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kepustakaan (library research), dengan mengkaji berbagai literatur ilmiah, regulasi, serta hasil penelitian terdahulu yang berkaitan dengan distribusi zakat, digitalisasi pengelolaan zakat, dan konsep maqāṣid al-sharī‘ah. Hasil kajian menunjukkan bahwa optimalisasi distribusi zakat di era digital tidak hanya berkaitan dengan aspek efisiensi teknis dan administratif, tetapi juga menekankan pada ketepatan sasaran penerima, keberlanjutan manfaat ekonomi dan sosial, serta kesesuaian dengan prinsip-prinsip syariah. Studi konseptual terhadap praktik pengelolaan zakat oleh BAZNAS menunjukkan bahwa penerapan digitalisasi mampu mendukung distribusi zakat yang lebih tepat sasaran, transparan, dan akuntabel. Namun demikian, implementasi digitalisasi zakat masih menghadapi berbagai tantangan, seperti rendahnya literasi digital masyarakat, keterbatasan infrastruktur teknologi, serta risiko keamanan dan perlindungan data. Oleh karena itu, penelitian ini merekomendasikan penguatan sistem digital zakat, peningkatan literasi digital masyarakat, pengembangan profesionalisme amil zakat, serta integrasi digitalisasi dengan prinsip maqāṣid al-sharī‘ah guna mewujudkan distribusi zakat yang optimal dan berdampak transformasional bagi kesejahteraan mustahik.  
Co-Authors Harahap, Ira Damayanti Muhammad Ridwan Muhammad Yafiz, Muhammad Muhammad Yusuf Harahap, Muhammad Yusuf syafii, herman Syarif, Anwar