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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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Abstract

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.
DIGITAL ZAKAT MANAGEMENT SYSTEMS: EFFICIENCY, ACCOUNTABILITY, AND SOCIOECONOMIC IMPACT Helma Maraliza
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 9 (2026): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20031112

Abstract

This study aims to analyze the role of a digital zakat management system in improving efficiency, accountability, and socio-economic impact through a literature review approach. Developments in information technology have driven the transformation of zakat management from a conventional system to a more integrated digital platform. The research method used is a literature study by reviewing various scientific journals, zakat institution reports, and academic publications related to the digitalization of Islamic philanthropy. The results of the study indicate that the digital zakat system can improve operational efficiency by automating the collection, recording, and distribution of funds, while expanding the reach of muzakki through application- and web-based platforms. In addition, the implementation of the digital system also contributes to increased accountability and transparency in zakat management through real-time reporting, technology-based audits, and easy access to information for stakeholders. In terms of socio-economic impact, zakat digitalization has been proven to accelerate the distribution of aid to mustahik and encourage more targeted and measurable economic empowerment. However, challenges such as digital literacy, data security, and the gap in access to technology remain obstacles that need to be overcome. Therefore, synergy between regulators, zakat institutions, and technology developers is key to optimizing the potential of digital zakat management systems to achieve sustainable community welfare.
CROWDFUNDING IN ISLAMIC FINANCE: A NEW MODEL FOR ENTREPRENEURIAL FINANCING Helma Maraliza
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 10 (2026): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20507620

Abstract

The development of digital technology has driven a transformation in the global financial system, including in the realm of Islamic finance. One innovation that is gaining increasing attention is crowdfunding as an alternative financing option for businesses, particularly small and medium enterprises. This study aims to analyze the role of crowdfunding in Islamic finance as a new model of entrepreneurial financing using a literature review method. The study examines various academic sources, scientific journals, and related reports to understand the concept, mechanisms, and alignment of crowdfunding with Sharia principles, such as the prohibition of riba (usury), gharar (gharar), and maisir (gambling). The results indicate that crowdfunding in Islamic finance has significant potential to increase financial inclusion and expand access to financing for entrepreneurs who previously had difficulty obtaining funding from conventional financial institutions. This model also encourages transparency, community participation, and fairer risk distribution through profit-sharing schemes such as mudharabah and musyarakah. However, there are challenges that need to be addressed, such as the lack of uniform regulations, low levels of Islamic financial literacy, and the need for a robust oversight system to ensure compliance with Sharia principles. Thus, crowdfunding can be an innovative solution to support sustainable entrepreneurial growth in accordance with Islamic values.
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