Jurnal Ekonomi dan Bisnis Digital (MINISTAL)
Vol. 5 No. 1 (2026): January 2026

Beyond Financial Inclusion: Digital Transformation and the Redistribution of Prosperity in the Islamic Economy

Ekawaty, Marlina (Unknown)
Hanafiansyah, Mochammad Rizki (Unknown)



Article Info

Publish Date
31 Jan 2026

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.

Copyrights © 2026






Journal Info

Abbrev

ministal

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Jurnal Ekonomi dan Bisnis Digital (MINISTAL) is a peer-reviewed journal providing a space for both practitioners and academics for disseminating research results that work in Economic, finance, management, information technology and related fields. MINISTAL provides an outlet for the increasing flow ...