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Al-Fadilah: Islamic Economics Journal
Published by Penerbit Hellow Pustaka
ISSN : -     EISSN : 30310210     DOI : https://doi.org/10.61166/fadilah.v2i1
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
The aim of this journal publication is to disseminate the conceptual thoughts or ideas and research results that have been achieved in the area of Islamic Economics particularly focuses on the main problems in the development of the sciences of islamic economics areas as follows: Islamic Finance such as shariah accounting; public finance.; Islamic monetary and fiscal issues. Islamic Bank Islamic Economic Development Islamic Political Economics Islamic Philantrophy such as zakat, waqaf issues The History of Islamic Economics The Thought of Islamic Economics
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 44 Documents
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Digital Financial Twins in Islamic Microfinance: Evidence from Conflict-Affected Rural Economies (2020–2025) Fayaz Gul Mazloum Yar; Ahmad Khosrow Sharifi
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 2 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i2.79

Abstract

Conflict‑affected rural microfinance faces data scarcity and repayment volatility, limiting sustainable outreach. No prior empirical study has evaluated Digital Financial Twin (DFT) analytics within Shariah‑compliant institutions under conflict conditions. We integrate cyber‑physical simulation with Islamic microfinance, offering the first large‑scale evidence of DFT impact on financial and poverty outcomes. We employ a quasi‑experimental design combining geospatial conflict data (ACLED), loan‑level records from five Islamic MFIs (N = 48,360 loans across 120 rural districts), and UNDP Multidimensional Poverty Index scores. Multivariate logistic regressions, structural equation modeling (SEM), and GIS mapping were implemented using R (v4.2.2) and lavaan (v0.6‑12). DFT deployment correlates with a 5.8 pp increase in on‑time repayment (OR = 1.27, 95% CI [1.18, 1.37], p < 0.001) and a 5.9 pp reduction in default rates (OR = 0.72, 95% CI [0.64, 0.81], p < 0.001). SEM indicates a significant moderating effect of DFT on conflict intensity (β = 0.29, p < 0.01). GIS heatmaps demonstrate sustained outreach in high‑conflict zones. DFT analytics enhance Shariah‑compliant microfinance performance and resilience in fragile settings, informing policy on digital infrastructure investment in conflict‑affected economies.
Formation, Existence, And Survival Of Islamic Banking System In India Mohammed Masood Riswi
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 2 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i2.80

Abstract

This study investigates the formation, historical development, and ongoing struggle for the institutional survival of the Islamic banking system in India. Drawing on both primary historical references and contemporary regulatory frameworks, the article examines the deep roots of interest-free financial practices in ancient Indian civilizations, such as the Harappan society, and the contributions of Muslim rulers, including the Cheraman Perumals and Raja Bhoj, who laid the early foundations for Islamic financial ethics. The emergence of structured Islamic financial models in the pre- and post-independence era—such as community-based cooperative credit societies, Baithul Mals, and Muslim funds—is traced to show how Islamic finance has adapted over time to survive in a secular legal and political environment.
Reimagining Global Financial Settlements: A Gold-Backed Cryptocurrency Framework Anchored in Blockchain and Islamic Finance Principles Irma Naddiya Binti Mushaddik
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 2 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i2.81

Abstract

In a world where economic turbulence and financial inequities are increasingly driven by the shortcomings of fiat currency systems, this paper advances a bold and timely proposition: the integration of gold-backed cryptocurrencies into global net settlement systems through blockchain technology. Bridging the philosophical depth of Islamic economic principles with the technical power of decentralized digital infrastructure, this study outlines a visionary framework that addresses the core weaknesses of inflation, centralization, and systemic risk. Grounded in qualitative research, including expert interviews and content analysis, the paper proposes a decentralized, ethically anchored, and technologically secure model that restores intrinsic value to money. Malaysia is identified as a strategic pioneer in this transformation, leveraging its leadership in Islamic finance and fintech to initiate a paradigm shift in global monetary governance. This work not only challenges existing financial orthodoxy but also provides a blueprint for a more stable, just, and transparent future of international finance
Understanding the Principles of Islamic Banking and the Development of Islamic Banking Icha Afrillia Hidayat; Febyviani Dwimutian Anggraini; Muhammad Ryas Fatiha Kesuma; Heni Noviarita
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 2 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i2.87

Abstract

Understanding the basic principles of Islamic banking and the dynamics of its development is crucial, both from a theoretical and practical perspective. These principles, which include the prohibition of riba (usury), gharar (gharar), and maysir (gambling), as well as the application of the principle of profit and loss, play a crucial role in establishing a fair and transparent banking system. Furthermore, Islamic banking in Indonesia has experienced significant growth over the past few decades, despite challenges related to public education, regulation, and public acceptance. This study uses a qualitative approach with descriptive-analytical methods to delve deeper into the core principles of Islamic banking and analyze the sector's development in the Indonesian context. The findings reveal that despite the rapid growth of Islamic banking, challenges remain to be addressed to enhance Islamic financial inclusion, including product issuance, regulatory frameworks, and public awareness. This study contributes to a deeper understanding of Islamic banking principles and provides insights into the future direction of the Islamic banking sector.

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