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Yananto Mihadi Putra
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Economics & Islamic Finance Journal
Published by Baca Dulu Publisher
ISSN : -     EISSN : 30474167     DOI : 10.xxxxxx/ecif
Core Subject : Economy, Humanities, Science, Social,
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
Economics & Islamic Finance Journal (ECIF) is a peer-reviewed journal managed and published by BacaDulu Publisher which contains the results of research and thoughts from scholars in the fields of Economics & Islamic Finance both academics and practitioners, which presents the results of the latest theoretical and experimental research related to (1) Theoretical articles; (2) Empirical studies; (3) Case studies; (4) Literature reviews. Economics & Islamic Finance Journal (ECIF) is published periodically three times a year, namely in April, August & December.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 22 Documents
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Islamic FinTech: Opportunities and Challenges Shaikh, Sadaf
Economics & Islamic Finance Journal (ECIF) Vol. 2 No. 3 (2025): ECIF Journal December 2025
Publisher : Baca Dulu Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70550/ecif.v2i3.143

Abstract

Islamic FinTech, an intersection of Islamic finance principles and innovative financial technology, presents a dynamic landscape ripe with opportunities and challenges. This paper explores the burgeoning field, analyzing its potential impact on the Islamic finance industry and broader financial ecosystem. Opportunities abound in Islamic FinTech, driven by its ability to cater to the unique needs of Muslim consumers worldwide. Technology facilitates greater financial inclusion, offering Sharia-compliant solutions for banking, investment, and insurance. Digital platforms enable access to Islamic financial products and services, empowering previously underserved populations. Moreover, FinTech enhances efficiency in Islamic finance operations, streamlining processes such as compliance, risk management, and customer service.However, Islamic FinTech also faces notable challenges. Regulatory frameworks must adapt to accommodate innovative digital solutions while ensuring compliance with Sharia principles. Ethical considerations regarding data privacy, security, and transparency necessitate careful navigation. Additionally, cultural and religious diversity within Muslim communities requires tailored FinTech solutions to address varying preferences and interpretations of Islamic finance. Furthermore, technological advancements bring risks such as cyber threats and algorithmic biases, demanding robust cybersecurity measures and ethical AI practices. Moreover, the rapid pace of innovation may outstrip traditional Islamic finance education and expertise, highlighting the need for ongoing skill development and collaboration between FinTech developers and Islamic finance scholars. In conclusion, Islamic FinTech presents vast opportunities to revolutionize the Islamic finance landscape, promoting financial inclusion and innovation. However, addressing regulatory, ethical, and technological challenges is crucial to harness its full potential responsibly. Collaboration between stakeholders, including regulators, financial institutions, technology firms, and Islamic scholars, is essential to navigate these complexities and ensure the sustainable growth of Islamic FinTech.
Performance of Sharia Commercial Bank In Indonesia The Role Of Intellectual Capital And Islamicity Performance Index Mais, Rimi Gusliana; Munir, Munir; Syafrinaldi, Zidan
Economics & Islamic Finance Journal (ECIF) Vol. 2 No. 1 (2025): ECIF Journal April 2025
Publisher : Baca Dulu Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70550/ecif.v2i1.154

Abstract

This study aims to determine the effect of Intellectual Capital and Islamicity Performance Index on the profitability of Islamic commercial banks in Indonesia with the panel data analysis method using Eviews 10. The sample is determined based on the purposive sampling method, with a total sample of 6 Islamic banks and produces 30 observation samples because it uses reports annual finances. The results of the study prove that Intellectual Capital, equitable distribution ratio and Islamic income vs. non-Islamic income ratio have no effect on profitability. while the profit sharing ratio and zakat performance ratio affect profitability. This study provides evidence that the performance of Islamic banking can be proven from various aspects, the variables used in this study are influential and some are not. The implications of this research for companies are expected to be complementary material and useful input and considerations for companies and readers are expected to see the results of this research as useful information material and can be used for the benefit of readers. This research has enormous value, it is hoped that Islamic banking can apply Islamic principles in its operational activities in this study, namely Intellectual Capital, PSR, ZPR, EDR, and IIR.

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