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All Journal Jurnal Manajemen Bisnis dan Keuangan Al-bank: Journal of Islamic Banking and Finance
Juniyanti Hsb, Hafni
Unknown Affiliation
Religion Economics, Econometrics & Finance Social Sciences

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OPTIMIZING HALAL MSME FINANCING THROUGH ARTIFICIAL INTELLIGENCE-BASED SHARIA FINTECH TO INCREASE ECONOMIC INDEPENDENCE Efendi, Erizal Candra; Juniyanti Hsb, Hafni
MBISKU: Jurnal Manajemen Bisnis dan Keuangan Vol. 3 No. 1 (2026): MBisKu, January 2026
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/mbisku.v3i1.1318

Abstract

This study aims to explore the optimization of halal MSME financing through Sharia-based fintech utilizing Artificial Intelligence (AI) to enhance economic independence. The research employs a qualitative library research method, analyzing literature from academic journals, government reports, and fintech publications related to Sharia-compliant financial technologies. The results indicate that Sharia fintech provides inclusive, ethical, and flexible financing for halal MSMEs through profit-sharing contracts like mudharabah and musyarakah. The integration of AI enhances operational efficiency, risk assessment, and compliance with Sharia principles. Challenges include regulatory gaps, low digital literacy among MSMEs, and ethical concerns regarding AI algorithms. Strategies such as regulatory adaptation, education programs, ethical governance frameworks, and multi-sector collaboration are essential to maximize the benefits of Sharia fintech for MSMEs, strengthening the halal economy and promoting sustainable economic independence.
The Role of Digital Zakat in Enhancing National Income: A Qualitative Review from the Indonesian Context Hadi, Wildan; Efendi, Erizal Candra; Mustika, Ruri; Juniyanti Hsb, Hafni; Fitriani
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16017

Abstract

This study analyzes the role of digital zakat in enhancing national income within the Indonesian context using a qualitative literature-based approach. Secondary data were collected from peer-reviewed journal articles, policy reports, and credible digital sources indexed in platforms such as Google Scholar and POP. The analysis was conducted through thematic synthesis to identify recurring patterns and mechanisms linking digital zakat practices to macroeconomic outcomes.The findings indicate that digital zakat contributes to national income through three main mechanisms. First, digital platforms increase zakat collection efficiency by expanding the number of contributors and reducing transaction costs, which leads to higher aggregate zakat funds. Second, the faster and more transparent distribution of zakat funds stimulates household consumption among beneficiaries, particularly for basic needs such as food, education, and health services. Third, digital zakat supports micro and small enterprises through productive zakat schemes, enabling income generation and local economic circulation. In this study, the term “significant role” refers to the consistent evidence across multiple studies showing that digital zakat enhances economic participation, improves income distribution, and strengthens the microeconomic sector, rather than to statistical significance. Overall, digital zakat functions as a complementary socio-economic instrument that supports national income growth while promoting social welfare and financial inclusion
Islamic Financial Literacy and Household Financial Behavior in the Digital Era: A Conceptual Synthesis of Contemporary Literature Efendi, Erizal Candra; Putra, Robi Harjoni; Mustika, Ruri; Hadi, Wildan; Juniyanti Hsb, Hafni
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16020

Abstract

This study aims to synthesize contemporary literature on Islamic financial literacy and its relationship with household financial behavior in the digital era. Employing a qualitative library research design, this study systematically reviews peer-reviewed journal articles, academic books, and institutional reports published over the last decade. Data were collected through structured searches of major academic databases and analyzed using qualitative content analysis, including thematic coding, categorization, and comparative synthesis. The findings indicate that Islamic financial literacy is a multidimensional construct encompassing cognitive understanding of Sharia-based financial principles, financial management skills, and ethical orientations. Higher literacy levels are associated with more structured household financial practices, such as disciplined budgeting, saving orientation, and cautious engagement with digital Islamic financial services. Furthermore, digital financial environments significantly influence household financial decision-making and access to information. This study proposes an integrative conceptual framework linking Islamic financial literacy dimensions with household financial behavior through cognitive, ethical, and behavioral mechanisms. The findings contribute to clarifying the role of Islamic financial literacy in digital financial contexts and provide theoretical insights for future empirical research. Practically, this study offers policy-relevant implications for designing effective financial literacy initiatives aimed at enhancing financial resilience and sustainable financial practices among Muslim households in the digital era
Co-Authors Efendi, Erizal Candra Fitriani Hadi, Wildan Mustika, Ruri Putra, Robi Harjoni