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All Journal Jurnal Ekonomi dan Bisnis Digital (MINISTAL) Scientific Development Journal
Hanafiansyah, Mochammad Rizki
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Beyond Financial Inclusion: Digital Transformation and the Redistribution of Prosperity in the Islamic Economy Ekawaty, Marlina; Hanafiansyah, Mochammad Rizki
Jurnal Ekonomi dan Bisnis Digital Vol. 5 No. 1 (2026): January 2026
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ministal.v5i1.16136

Abstract

This study aims to analyze the development of digital transformation in the Islamic economy over the past decade, its contribution to accelerating prosperity distribution in Indonesia, as well as the opportunities and challenges encountered. Digital transformation has been proven to play a vital role in improving financial inclusion, operational efficiency, and global competitiveness, particularly in Islamic banking, halal industries, zakat management, and mosque transformation. The research employed a systematic literature review of ten scholarly articles related to the digitalization of the Islamic economy. The analysis identified the patterns of development, contributions, opportunities, and challenges highlighted by each study. The findings reveal that digitalization drives economic growth, strengthens zakat redistribution, enhances halal industry competitiveness, and expands the socio-economic role of mosques. However, challenges such as regulatory uncertainty, low digital literacy, and cybersecurity risks remain major barriers. In conclusion, digital transformation serves as both a growth engine and a catalyst for equitable prosperity distribution within the Islamic economy.
From Redistribution to Social Justice: A PRISMA-Based Systematic Review of Islamic Social Finance and Welfare Outcomes in Developing Countries Ekawaty, Marlina; Hanafiansyah, Mochammad Rizki
Side: Scientific Development Journal Vol. 3 No. 1 (2026): Side: Scientific Development Journal
Publisher : Arbain Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59613/vjad9a95

Abstract

Islamic economics emphasizes social justice and equitable welfare distribution as core normative objectives, particularly through zakat, waqf, and Islamic social finance instruments. However, empirical findings on their effectiveness remain fragmented across institutional, social, and governance contexts. This study aims to systematically examine the role of Islamic social finance in promoting social justice, redistribution, and welfare. This research adopts a Systematic Journal Review approach by synthesizing peer-reviewed qualitative and quantitative studies published in reputable national and international journals. Articles were selected based on relevance, methodological rigor, and empirical focus on Islamic social finance and welfare outcomes. The findings indicate that zakat, waqf, and related instruments significantly contribute to poverty alleviation, welfare improvement, and economic empowerment. Quantitative evidence confirms statistically significant relationships between Islamic social finance distribution and welfare indicators, although governance constraints may weaken direct impacts in certain contexts. Qualitative studies highlight the importance of institutional accountability, digital integration, and productive financing models in enhancing redistributive effectiveness. In conclusion, Islamic social finance constitutes a viable and multidimensional mechanism for advancing social justice and welfare, provided it is supported by robust governance and strategic institutional integration.
Co-Authors Marlina Ekawaty