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All Journal INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Helma Maraliza
UIN Raden Intan Lampung, Indonesia

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ANALYSIS OF THE IMPACT OF THE IMPLEMENTATION OF SHARIA PRINCIPLES ON THE FINANCIAL PERFORMANCE OF COMPANIES IN INDONESIA Helma Maraliza
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 4 (2025): APRIL
Publisher : Adisam Publisher

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This study aims to investigate how sharia principles are applied has affected Indonesian enterprises' financial performance, particularly in the banking and financial industry. The law of sharia principles applied include the prohibition of usury, gharar, and maysir, as well as the implementation of contracts in accordance with Islamic law. The study's conclusions show that applying sharia principles significantly affects improving the company's financial performance. Companies that implement sharia principles tend to have higher levels of profitability, better financial stability, and more effective risk management compared to conventional companies. These findings support the theory that ethical and transparent sharia principles can improve the competitiveness and sustainability of companies in the long term. This study concludes that the company's financial performance benefits from the application of sharia principles, so it is important for companies in Indonesia to consider implementing these principles as part of their financial strategy.
THE ECONOMIC IMPACT OF WAQF ASSET DIGITIZATION ON COMMUNITY EMPOWERMENT AND SOCIAL INVESTMENT Helma Maraliza
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 3 (2025): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

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This study aims to examine the economic impact of waqf asset digitization on community empowerment and strengthening social investment through a literature review approach. Digital transformation in waqf asset management presents new opportunities for optimizing waqf potential, particularly through increased transparency, efficiency, and accountability in the collection, management, and distribution of benefits to the community. Digitization enables the creation of a more inclusive waqf ecosystem by expanding access to community participation through digital platforms, accelerating the flow of information, and facilitating more structured social investment mechanisms. Based on the synthesis of various studies, waqf asset digitization has been proven to drive local economic growth through financing micro-enterprises, increasing Islamic financial literacy, developing social infrastructure, and enhancing the capacity of beneficiary communities. Furthermore, digitalization also strengthens the role of waqf as a social development instrument by creating a sustainable investment model that can enhance economic independence and community well-being. This study confirms that waqf asset digitization is not merely an administrative modernization but a transformational strategy for promoting community empowerment and more effective social investment.
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