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AL-FALAH : Journal of Islamic Economics
Published by Institut Agama Islam Negeri Curup
ISSN : 25482343     EISSN : 25483102     DOI : http://doi.org/10.29240/jie
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
AL-FALAH: Journal of Islamic Economics is scientific journal of Islamic Economics based on both conceptual and empirical research. It concerns to extensively publish the issues of islamic economics which study through interdiscipline perspectives such as fiqh, shariah finance, islamic bank, islamic development economics, and also economic sociology. The journal is published by Curup State Institute for Islamic Studies (IAIN), Bengkulu, Indonesia. Published twice in a year, on June and December, the journal of Al-Falah is projected as a media, sphere, and dessemination of scholars studies on islamic economics issues. Therefore, Al-Falah invites all of participants, scholars, researchers, and Muslim economists to submit their best-papers, and publish it in Al-Falah: Journal of Islamic Economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 147 Documents
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Islamic Banks as Agents of Economic Growth: An Econometric Analysis of Islamic Economy Bochner, Rodrigo
AL-FALAH : Journal of Islamic Economics Vol. 2 No. 10 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v2i10.14653

Abstract

This study scrutinizes the role of Islamic banks as dynamic agents fostering economic growth underpinned by Shariah-compliant principles, notably risk-sharing, prohibition of interest (riba), and avoidance of excessive uncertainty (gharar). Utilizing advanced econometric methodologies including stationary tests (ADF, KPSS), Johansen co-integration error correction mechanisms, Granger causality, fully modified ordinary least squares (FMOLS), and quantile regressions on a broad panel dataset from 1990– 2023 covering Muslim-majority economies and GCC , the analysis confirms a statistically positive nexus between Islamic banking development and macroeconomic growth indicators such as GDP and capital formation. Incorporating mathematical models of profit-and-loss sharing (PLS) and asset-backed finance within stochastic optimization frameworks, elucidates the mechanisms by which Islamic finance bolsters financial stability, deepens financial inclusion, and promotes sustained development. The findings underscore the critical moderating impact of inflation and economic policy uncertainty, highlighting the necessity of macroeconomic stability to optimally leverage Islamic finance’s potentials. Policy recommendations include enhancing Shariah governance, expanding inclusive finance infrastructure, and reinforcing regulatory environments. This paper advances the literature by integrating Islamic economic theory with econometric modeling to delivering an interdisciplinary framework for future research, policy making and proposes a new understanding from an econometric perspective about impact of islamics economics in economic development.
Implementing Blockchain Technology in Halal Certification: A Systematic Literature Review of Opportunities and Challenges Wahyuni, Tri; Handoko, Luqman Hakim
AL-FALAH : Journal of Islamic Economics Vol. 2 No. 10 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v2i10.14669

Abstract

Objectives: This study aims to identify trends, key themes, opportunities, and challenges in the application of blockchain technology in halal certification activities. Design/Method/Approach: This study used the Systematic Literature Review (SLR) method with the PRISMA guidelines. Data were collected from Google Scholar using Publish or Perish (PoP). Findings: the research found that blockchain has significant potential to enhance transparency, efficiency, traceability, and accountability in halal certification through features such as smart contracts and decentralized storage. However, significant challenges remain, including infrastructure readiness, human resource limitations, the absence of global standards, and potential ethical gaps. Publication trends indicate an increase in academic interest in this topic. Originality/Value: This research contributes by mapping the latest literature and filling the research gap related to the application of blockchain specifically in halal certification. The results are expected to serve as a scientific and practical foundation for the development of a more credible and sustainable digitalization strategy for the halal industry.
Digitalpreneur: Realizing of Santripreuneur's Competence in an Independent and Sustainable Economy: Realizing of Santripreuneur's Competence in an Independent and Sustainable Economy Retnowati, May Shinta; Al Faruqi , Musta’an
AL-FALAH : Journal of Islamic Economics Vol. 2 No. 10 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v2i10.14672

Abstract

Purpose: This study aims to existence of santri competence on entrepreneurship at Pesantren or describe santris to be able to compete in the creative economy and make optimal use of digital potential in Pesantrens through digitalpreneurship as a solution to overcome the challenges of the digital technology era. This research focuses on the challenges of Pesantrens in the era of the Industrial Revolution 5.0, including adaptation to digital technology in the face of rapid social and economic changes so that Pesantrens are able to develop creative economy models to support economic independence and sustainability. Design/Method/Approach : The research method used is qualitative. This research obtained data from interviews, observations, and documentation activities sourced from ustadz and santri of Pesantren Cahaya Langit Digital. The data was analyzed descriptively with a grounded theory approach. Findings: Cahaya Langit Digital Pesantren is a pesantren that provides free education for the community. The santris have the competencies of tahfidz, digitalpreneur, and madin (teachers in Qur'an Education for children) around the Pesantren. The competence of santris as digitalpreneurs is a form of success for santris in being economically independent.Originality/Values: The social and economic challenges of Pesantrens in the industrial revolution 5.0 include adaptation to technological changes, the development of santris' digital skills, and creative resource management through programs that are digital skills of santris and can compete in society so that santris and Pesantrens can be economically independent which can provide sustainable economic impact for the community
The Role of Islamic Economics in Promoting Inclusive and Sustainable Development Ingkap, Hasanuddin; Fitrayani; Mowafg Masuwd
AL-FALAH : Journal of Islamic Economics Vol. 2 No. 10 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v2i10.14684

Abstract

This article aims to analyze the role of Islamic economics in promoting inclusive and sustainable development in Indonesia. Islamic economics is viewed as an alternative system that emphasizes the principles of justice, balance, and public welfare, thereby providing solutions to various modern economic issues, including social inequality and market instability. Using a descriptive qualitative approach through literature studies, this research examines the contribution of Islamic economic instruments such as Islamic banking, zakat, waqf, and sovereign sukuk in strengthening equitable and sustainable economic growth. The findings indicate that Islamic economics has significant potential to enhance financial inclusion, support development financing, and reduce social disparities. However, low levels of Islamic financial literacy, limited product innovation, and regulatory challenges remain obstacles that need to be addressed urgently. This study recommends strengthening policies, increasing literacy, and advancing digital innovation as the main strategies to optimize the role of Islamic economics in inclusive and sustainable development.
Formalization of DSN-MUI Fatwa No. 28/DSN-MUI/III/2002 in Electronic Money Transactions Nur Ayunda, Kholifah; Isman; Hakim, Lukmanul; Budiman, Mamdukh
AL-FALAH : Journal of Islamic Economics Vol. 2 No. 10 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v2i10.14703

Abstract

This study examines the compatibility between Bank Indonesia Regulation No. 20/6/PBI/2018 on Electronic Money and DSN-MUI Fatwa No. 28/DSN-MUI/III/2002 on Currency Exchange (Al-Sharf) in the context of digital financial transactions. The objective of this study is to formulate the concept of norms for improving electronic money transactions to align with Shariah principles, particularly regarding the sharf contract. The method used is normative legal research with a qualitative deductive approach. Data was obtained through documentary studies and analyzed using norm interpretation, systematization, and synthesis. The results of the study indicate that the legal aspects of the organizers and the real-time settlement system in Bank Indonesia's regulations are consistent with Sharia principles. However, there are inconsistencies in the placement of float funds in ribawi instruments and the lack of explicit mention of the sharf contract. Digital taqabudh and information system security standards strongly influence the strength or weakness of the DSN-MUI Fatwa's impact on the compliance of Fintech, sharf contracts, and electronic money with Sharia principles. Meanwhile, the implementation of PBI regulations and operational compliance by organizers bridge the gap between the DSN-MUI Fatwa and practices in the field. Mediators help explain how fatwas are translated into technical policies, while moderators determine the extent to which fatwas can be effective in the complex and rapidly changing digital context.
Integrating Cash Waqf into Indonesia’s Free Meal Program Using the Business Model Canvas (BMC) Joe, Hendriansyah; Hendri Tanjung
AL-FALAH : Journal of Islamic Economics Vol. 2 No. 10 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v2i10.14737

Abstract

Purpose: This paper explores how Cash Waqf can support Indonesia’s free school meal program by applying the Business Model Canvas (BMC) framework to organize resources, stakeholders, costs, and benefits. Design/Method/Approach: Using a descriptive-qualitative approach, the study draws on secondary data from literature, case studies, and global practices in Islamic social finance. Lessons from the Nordic Pro-Meal initiative and Bangladesh’s BRAC program, both proven to enhance children’s health and learning, are adapted. The BMC is applied to map key partnerships, value propositions, activities, and financial flows for incorporating Cash Waqf into Indonesia’s free meal initiative. Findings: The proposed BMC involves collaboration between government, Islamic finance institutions, NGOs, and private partners. Key activities include fundraising, investment management, program implementation, and community engagement. Value propositions deliver sustainable charity for donors, nutritious meals for students, fiscal relief for government, and stronger social cohesion. Essential resources comprise Cash Waqf funds, human capital, infrastructure, and digital platforms. Costs include operational, technological, and outreach expenses, while revenues stem from Cash Waqf contributions, investment returns, sponsorships, and government support. Findings show Cash Waqf offers a scalable and sustainable funding mechanism to improve nutrition, education, and national development. Originality/Value: This study is the first to examine Cash Waqf’s role in Indonesia’s free school meal program. It contributes an innovative BMC framework demonstrating how Islamic social finance can be leveraged to enhance welfare and educational outcomes sustainably.
Online Gambling and Economic Crisis: Safeguarding National Stability through Islamic Economics Bayumi, Muhamad Rahman; Jaya, Rizal Alfit; Muhammad Fikri Hijami; Sarehan Khawankawin
AL-FALAH : Journal of Islamic Economics Vol. 2 No. 10 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v2i10.14772

Abstract

ABSTRACT Purpose: This study aims to analyze the behavior of the online gambling phenomenon that disrupts the stability of the national economy. Design/Method/Approach: The research method uses a qualitative approach with a focus on the phenomenology of online gambling behavior. Data were collected through in-depth interviews with victims affected by online gambling, as well as document analysis from relevant sources. Semi-structured interviews were conducted to understand personal experiences, perceptions, and the impact of online gambling behavior on victims’ lives. The stages in this research include understanding the data, developing codes, and ultimately identifying themes. Data analysis was carried out using thematic analysis techniques with NVIVO12 to identify patterns and themes that emerged from the collected data. Findings: The findings of this study reveal that online gambling behavior has disrupted and damaged the foundations of the economic system. In the long run, such practices undermine Indonesia’s economic stability and contradict the principles of Islamic economics, which emphasize justice, sustainability, and the prevention of harm (mafsadah) to society. Originality/Values: Online gambling has become one of the urgent problems in Indonesia. This issue is reinforced by the wave of digitalization, which provides many conveniences for the public in accessing online gambling. The rise of online gambling problems causes Indonesia’s economy to continually face issues such as poverty, wage inequality, and low productivity, which can generate a multiplier effect on other sectors.

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