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Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan
Published by Institut Agama Islam Negeri Parepare
ISSN : -     EISSN : 30312426     DOI : https://doi.org/10.35905/sipakainge
Core Subject : Religion, Economy, Humanities, Education,
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan merupakan jurnal mahasiswa yang diproduksi oleh Institut Agama Islam Negeri Parepare. Ruang lingkup jurnal ini adalah sains Islam (Islamic Science). Pembahasan mengenai sains Islam bisa meliputi berbagai macam aspek, seperti Pendidikan Islam, Ekonomi Islam, Ilmu hukum Islam, Ushuluddin, adab dan dakwah Islamiyah, Perkembangan sains dan teknologi dalam peradaban Islam, serta Konsep, filsafat, dan metodologi sains yang dapat diimplementasikan ke dalam peradaban Islam.
Arjuna Subject : Umum - Umum
Articles 204 Documents
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Transformasi Crowdfonding Syariah Terhadap Model Pembiayaan dalam Sistem Perbankan Syariah Digital sahid, aurora soula; Abdul Hamid
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 7 (2025): Edisi Khusus Perbankan (Juli)
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i7.14223

Abstract

This article is a literature review that aims to explore the transformation of Islamic crowdfunding as an alternative financing model within the digital Islamic banking system. Using a qualitative approach through literature analysis, the study identifies and analyzes various models of Islamic crowdfunding and their integration with financial technology (fintech) in compliance with Sharia principles. The findings suggest that Islamic crowdfunding offers an inclusive and efficient financing solution, particularly for micro, small, and medium enterprises (MSMEs), by providing a transparent, equitable, and interest-free mechanism. Digital transformation presents new opportunities for Islamic financial institutions to adopt crowdfunding platforms as part of innovative financing strategies. The study also highlights the importance of regulation and digital literacy as key supporting factors in developing a sustainable Islamic crowdfunding ecosystem.
TRANSFORMASI PENDIDIKAN KEUANGAN SYARIAH TERHADAP LITERSI MASYARAKAT DI ERA DIGITAL amrul
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 11 (2025): Sipakainge Edisi Khusus:Perbankan (November)
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i7.14343

Abstract

The advancement of digital technology has transformed various sectors of life, including education and financial services. In the context of Islamic economics, Islamic financial education plays a vital role in shaping public literacy to enable individuals to understand, select, and manage financial products based on Sharia principles. This study aims to systematically examine how the transformation of Islamic financial education—through curriculum digitalization, technology-based learning media, and online outreach—affects financial literacy in the digital era. The method used is a Systematic Literature Review (SLR) of academic articles published between 2015 and 2024, sourced from indexed databases such as Scopus, Google Scholar, and DOAJ. The findings indicate that the integration of technology into Islamic financial education positively contributes to enhancing public understanding, particularly among millennials and Gen Z, regarding the principles, instruments, and practices of Sharia finance. However, digital access disparities and limited digital literacy remain major challenges. This study recommends enhanced collaboration between educational institutions, Sharia financial authorities, and the technology sector to develop inclusive and adaptive educational models suited to contemporary changes. ABSTRACT The advancement of digital technology has transformed various sectors of life, including education and financial services. In the context of Islamic economics, Islamic financial education plays a vital role in shaping public literacy to enable individuals to understand, select, and manage financial products based on Sharia principles. This study aims to systematically examine how the transformation of Islamic financial education—through curriculum digitalization, technology-based learning media, and online outreach—affects financial literacy in the digital era. The method used is a Systematic Literature Review (SLR) of academic articles published between 2015 and 2024, sourced from indexed databases such as Scopus, Google Scholar, and DOAJ. The findings indicate that the integration of technology into Islamic financial education positively contributes to enhancing public understanding, particularly among millennials and Gen Z, regarding the principles, instruments, and practices of Sharia finance. However, digital access disparities and limited digital literacy remain major challenges. This study recommends enhanced collaboration between educational institutions, Sharia financial authorities, and the technology sector to develop inclusive and adaptive educational models suited to contemporary changes. ABSTRAK Perkembangan teknologi digital telah merevolusi berbagai sektor kehidupan, termasuk pendidikan dan layanan keuangan. Dalam konteks ekonomi Islam, pendidikan keuangan syariah memegang peranan penting dalam membentuk literasi masyarakat agar mampu memahami, memilih, dan mengelola produk-produk keuangan sesuai prinsip syariah. Artikel ini bertujuan untuk mengkaji secara sistematis bagaimana transformasi pendidikan keuangan syariah—melalui digitalisasi kurikulum, media pembelajaran berbasis teknologi, dan penyuluhan daring—mempengaruhi tingkat literasi masyarakat di era digital. Metode yang digunakan adalah studi literatur sistematis (Systematic Literature Review/SLR) terhadap artikel-artikel akademik yang dipublikasikan antara tahun 2015 hingga 2024, yang diperoleh dari basis data terindeks seperti Scopus, Google Scholar, dan DOAJ. Hasil temuan menunjukkan bahwa integrasi teknologi dalam pendidikan keuangan syariah berkontribusi positif terhadap peningkatan pemahaman masyarakat, terutama generasi milenial dan Gen Z, terhadap prinsip, instrumen, dan praktik keuangan syariah. Namun demikian, disparitas akses digital dan kompetensi literasi digital masih menjadi tantangan utama. Studi ini merekomendasikan perlunya kolaborasi antara lembaga pendidikan, otoritas keuangan syariah, dan sektor teknologi untuk mengembangkan model edukasi yang inklusif dan adaptif terhadap perubahan zaman.
PERAN PERBANKAN SYARIAH TERHADAP INKLUSI KEUANGAN : TREN GLOBAL DALAM LITERATUR TERKINI bibah, Habibah
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 6 (2025): Edisi Khusus Perbankan (Juni)
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i1.14400

Abstract

Islamic banking has experienced rapid global growth and is considered a strategic instrument for promoting financial inclusion, especially in regions with significant Muslim populations and low access to financial services. This article aims to examine the latest literature on the contribution of Islamic banking to expanding financial inclusion, highlighting global trends, challenges, and policy directions. The method used is a systematic literature review of indexed scientific journals. The results show that Islamic banking plays a significant role in advancing financial inclusion through product innovation, Islamic microfinance, and digitalization. However, challenges remain in terms of financial literacy, regulatory limitations, and the integration of Islamic social finance services. This study offers new insights into the development of Islamic banking as an inclusive financial instrument.8
Dinamika Regulasi terhadap Sejarah dan Perkembangan Perbankan Syariah dalam Arus Dual Banking System Risna, Risna
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 11 (2025): Sipakainge Edisi Khusus:Perbankan (November)
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i7.14476

Abstract

This study aims to evaluate the role of regulation in shaping the history and development of Islamic banking within the dual banking system in Indonesia. The focus is on mapping regulatory policies, institutional responses, and the dynamics that influence the positioning and growth of Islamic banking institutions over time. The method employed is a Systematic Literature Review (SLR), involving the identification and analysis of 30 scholarly articles from various accredited national journals. The selected literature was examined based on themes of regulation, institutional history, and its impact within the context of a dual banking system, using narrative synthesis and thematic analysis. The findings indicate that regulations such as Law No. 21 of 2008 have provided a significant legal foundation for Islamic banking. However, challenges remain, particularly in harmonizing conventional and Islamic policies, improving the competence of human resources, and preparing for financial digitalization. The review also notes that most studies tend to emphasize operational aspects rather than exploring regulatory dimensions from a historical and systemic perspective. The implications suggest the need for more inclusive and adaptive regulatory frameworks that align with the specific characteristics of Islamic banking. Furthermore, collaboration between regulators, academics, and industry stakeholders is essential to strengthen the position of Islamic banks within a sustainable and equitable national financial system.
Peran intermediasi bank syariah terhadap pengurangan kemiskinan dalam konteks ketimpangan ekonomi global Naswa, Naswapsuci
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 10 (2025): Sipakainge Edisi Khusus:Perbankan (Oktober)
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i2.14490

Abstract

This study aims to examine the role of Islamic bank intermediation in poverty alleviation amidst global economic inequality. Operating on the principles of justice, transparency, and profit-sharing, Islamic banks serve as alternative financial institutions focused on community empowerment. Through intermediation mechanisms such as microfinance, productive zakat, and social investments, Islamic banks enhance financial access for underprivileged groups. This research employs a qualitative method with a data collection technique in the form of literature review, by analyzing relevant academic literature, accredited journal articles, research reports, and policy documents. The findings indicate that Islamic bank intermediation plays a significant role in reducing structural poverty and promoting economic equity. In the context of global disparities, Islamic banks also act as instruments of stabilization and fair wealth redistribution. To optimize this role sustainably, regulatory support and cross-sector collaboration are essential.
ADAPTIVE STRATEGIES OF ISLAMIC BANKS IN FACING THE CHALLENGES OF DIGITAL TRANSFORMATION IN THE MODERN FINANCIAL INDUSTRY Aulia, Aulia Ramadani
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 11 (2025): Sipakainge Edisi Khusus:Perbankan (November)
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i7.14491

Abstract

This study aims to examine the adaptive strategies implemented by Islamic banks in facing the challenges of digital transformation in the modern financial industry. Digital transformation requires Islamic banks to enhance competitiveness through technological innovation, operational efficiency, and improved service quality without compromising Sharia principles. This research employs a Systematic Literature Review (SLR) method by analyzing selected scholarly articles relevant to the themes of digitalization and Islamic banking. The findings reveal that Islamic banks have begun implementing various adaptive strategies, including the digitalization of products and services, enhancement of internal digital literacy, and strategic collaborations with fintech companies. However, they still face challenges such as limited digital infrastructure, the need for competent human resources, and the adaptation of Sharia regulations to the digital context. This study recommends synergy between regulators, industry players, and academics to sustainably strengthen the digital foundation of Islamic banking.
Strategies for Enhancing Islamic Financial Literacy by Islamic Banks in Responding to Digital Economic Disruption Patata, Uswatun Hasana
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 10 (2025): Sipakainge Edisi Khusus:Perbankan (Oktober)
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i2.14495

Abstract

The development of the digital economic distribution demands Islamic banks to adapt by enhancing Islamic financial literacy among the public. This study aims to identify and analyze the strategies implemented by Islamic banks in responding to these challenges. Using a qualitative approach based on literature reviews and secondary data, the findings reveal that strategies include digitalization of Islamic financial education materials, utilization of social media, development of educational mobile applications, and collaboration with educational institutions and digital communities. These strategies have proven effective in increasing public awareness and understanding of Islamic finance, while also encouraging active participation in a digital economy aligned with Sharia principles.
THE ROLE OF ISLAMIC BANKING INSTITUTIONS IN SUSTAINABLE FINANCE AMIDST THE GLOBAL ESG TREND Mutmainnah, Mutmainnah
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 10 (2025): Sipakainge Edisi Khusus:Perbankan (Oktober)
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i2.14521

Abstract

ABSTRACT This article aims to systematically examine the contribution of Islamic banking institutions in supporting sustainable finance, particularly in the context of global developments related to Environmental, Social, and Governance (ESG) principles. The study also seeks to assess the extent to which Shariah values can be integrated with internationally adopted sustainability indicators.The method used in this research is a Systematic Literature Review (SLR), analyzing 30 scholarly articles published between 2015 and 2024. The selection and analysis process was conducted systematically, referring to the PRISMA protocol and thematic synthesis techniques to identify key findings.The results show that Islamic banks have significant potential in supporting sustainable finance, especially through the principles of Maqashid Shariah, which align with the ESG pillars. However, practical implementation of ESG in Islamic financial institutions still faces limitations, such as the lack of Shariah-based sustainability indicators, low transparency, and weak regulation and standardization. Moreover, a comprehensive and operational ESG-Maqashid integration model has not yet been developed at the institutional level.The study recommends the development of an integrative framework between ESG and Shariah principles to enhance the effectiveness of Islamic banks in contributing to sustainable development goals.Practically, this article is valuable for regulators, academics, and industry practitioners in developing Shariah-compliant financial policies and instruments aligned with ESG principles.Theoretically, it expands the horizon of Islamic economics research by proposing the incorporation of Islamic values into the global sustainability framework, which is increasingly relevant in the modern finance era
The Influence of Islamic Financial Integration on Economic Stability in the Context of Financial Globalization Trends Aulia, Rezky
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 12 (2025): Edisi Khusus Perbankan (Desember)
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i1.14532

Abstract

Artikel ini bertujuan untuk mengkaji secara sistematis pengaruh integrasi keuangan syariah terhadap stabilitas ekonomi dalam kerangka globalisasi finansial yang semakin menguat. Latar belakang kajian ini muncul dari meningkatnya relevansi sistem keuangan syariah sebagai alternatif stabil dalam menghadapi dinamika ekonomi global yang rentan terhadap krisis. Metodologi yang digunakan adalah Systematic Literature Review (SLR), dengan menganalisis 30 artikel ilmiah yang relevan dan dipublikasikan dalam kurun waktu 2015 hingga 2024, baik dalam bahasa Indonesia maupun Inggris. Literatur diperoleh melalui database terkemuka seperti Google Scholar, Scopus, dan ScienceDirect, dengan proses seleksi yang mengikuti panduan PRISMA.Hasil kajian menunjukkan bahwa integrasi keuangan syariah berkontribusi positif terhadap stabilitas ekonomi, terutama melalui penguatan prinsip kehati-hatian, keterkaitan dengan sektor riil, dan penghindaran praktik spekulatif. Namun, efektivitas integrasi ini sangat bergantung pada dukungan regulasi nasional, kapasitas kelembagaan, serta keterhubungan antarnegara dalam mendorong kerja sama keuangan syariah global. Studi ini juga mengungkap adanya kesenjangan literatur terkait pengukuran dampak integrasi secara kuantitatif dan perlunya pendekatan lintas negara dalam analisis.Berdasarkan hasil tersebut, direkomendasikan agar pemerintah dan otoritas keuangan memperkuat kerangka regulasi berbasis prinsip syariah yang adaptif terhadap tantangan globalisasi. Selain itu, perlu adanya sinergi antarnegara dalam mengembangkan sistem keuangan syariah yang terintegrasi dan responsif terhadap perubahan global. Implikasi praktis dari artikel ini mencakup penyusunan kebijakan stabilisasi ekonomi berbasis nilai-nilai Islam, sedangkan secara teoritis, kajian ini memperluas pemahaman mengenai kontribusi sistem keuangan syariah dalam konteks ekonomi global yang dinamis.
OPERATIONAL STRATEGIC TRANSFORMATION TOWARDS GREEN BANKING IN ISLAMIC BANKING IN THE ERA OF SUSTAINABILITY Syafiqah, Nurul Nabila Syafiqah
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 12 (2025): Edisi Khusus Perbankan (Desember)
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i1.14541

Abstract

ABSTRACT This article aims to systematically examine the relationship between the transformation of operational strategy, the implementation of green banking, and the principles of Islamic banking in addressing sustainability challenges. In the evolving banking industry, integrating operational efficiency, environmental sustainability, and Sharia-based values has become increasingly crucial. The methodology used in this study is a Systematic Literature Review (SLR) following the PRISMA guidelines. A total of 30 scholarly articles published between 2018 and 2024 were analyzed thematically to identify trends, dominant findings, and research gaps. The results reveal that, although there is a positive trend in the development of green banking and digital transformation in Islamic banking, the integration of these three aspects remains limited. There is a lack of theoretical frameworks that simultaneously combine sustainability and Sharia principles within operational banking practices. Therefore, this article recommends the development of a conceptual framework that can effectively align operational strategies, green banking principles, and the objectives of maqashid sharia. Theoretically, this study contributes to the foundation for future research, while practically, it serves as a reference for Islamic banking management in designing sustainable strategies that balance economic, social, and spiritual values

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