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Ferri Alfadri
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JIFTECH: Journal Of Islamic Financial Technology
Published by Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
ISSN : -     EISSN : 28291050     DOI : JIFTECH: Journal Of Islamic Financial Technology
Core Subject : Economy,
Economics, Econometrics & Finance
JIFTECH: Journal Of Islamic Financial Technology is a peer-reviewed journal, a publication on Islamic Financial Technology from research and original writings on Islamic Financial Technology. The journal aims to provide a platform for scientific understanding in the field of Islamic financial technology and has an important role in promoting the process of accumulation of knowledge, Islamic values, skills and the development of science. Scientific manuscript dealing about Islamic financial technology topics are particularly welcome to be submitted. The journal encompasses research articles, original research report, reviews, short communications and scientific commentaries s in Islamic Financial Technology. Specifically, the journal will deal with topics : 1. Islamic Banking Technology 2. Financial Technology 3. Digital Economy Society 4. Inclusive Economy 5. Development Economic Technology
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 2 Documents
 1 
Search results for , issue "vol 5, no 1 (2026)" : 2 Documents clear
TAHFIZ TEACHER INCENTIVE FINANCING: AN ANALYSIS OF EFFICIENCY AND EFFECTIVENESS AT RTQ HASANATUDDIN BUKITTINGGI Fakhrur - Razy; Hamdi Abdul Karim; Elmeki Satria
Journal of Islamic Financial Technology Vol 5, No 1 (2026)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v5i1.19937

Abstract

This study aims to analyze the legal basis, efficiency, and effectiveness of teacher incentive funding at the Hasanatuddin Al-Qur’an Memorization Center (RTQ) in Bukittinggi City. The study employs a qualitative approach using a descriptive-analytical research design. Data were collected through in-depth interviews, document analysis, and policy analysis of regulations governing non-formal religious education. The research informants consisted of the RTQ director and four active teachers selected using purposive sampling. Data analysis was conducted using thematic analysis, involving coding and the categorization of research themes. The research results indicate that RTQ Hasanatuddin has a strong legal foundation through Law No. 20 of 2003, Government Regulation No. 55 of 2007, Director General of Religious Education Decree No. 91 of 2020, and the RTQ Registration Certificate from the Ministry of Religion. However, the implementation of incentive funding has not been carried out efficiently or effectively. Fragmentation of funding sources, delays in disbursement, and changes in the incentive distribution mechanism indicate weaknesses in budget management. The amount of incentives received by teachers also does not meet the needs for a decent standard of living, so all teachers have additional jobs outside of teaching activities. Additionally, the planned teacher training program has not been realized. This study recommends harmonizing funding sources, standardizing incentive distribution, and strengthening competency development programs for tahfiz teachers.
Integrating FinTech, AI, and Cybersecurity in Islamic Banking: A Shariah-Compliant Framework for Innovation and Risk Management Zahiduzzaman Zahid; Md. Shahed Alamm; Munshi Md Ashfaqul Alam; Md. Syful Islam; Md. Mozammel Hoque
Journal of Islamic Financial Technology Vol 5, No 1 (2026)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v5i1.19432

Abstract

This study investigates the integration of Financial Technology (FinTech), Artificial Intelligence (AI), and Cybersecurity within Islamic banking, emphasizing adherence to Shariah principles amid digital transformation. Drawing on recent advancements (2023-2026), including AI-driven compliance tools and regulatory reforms in GCC countries, the research proposes the Shariah-Tech Adoption Framework (STAF), which extends the Technology Acceptance Model (TAM) by incorporating Perceived Shariah Compatibility (PSC) as a moderator. Through mixed-methods analysis—surveys of 150 stakeholders and case studies from institutions like Dubai Islamic Bank and Al Rajhi Bank—the findings reveal that these technologies enhance financial inclusion (30% growth in access), operational efficiency (25% faster processing), and fraud reduction (15-20% via blockchain). However, barriers such as cultural resistance (35% in emerging markets) and regulatory ambiguity persist. The paper offers policy recommendations for scalable adoption, including ethical AI governance and zero-trust cybersecurity models, to foster sustainable growth in Islamic finance projected to reach $5.9 trillion by 2026. This work contributes novel theoretical insights and practical strategies for balancing innovation with Islamic ethics.

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