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Interdisciplinary Explorations in Research Journal (IERJ)
Published by Sharia Journal and Education Center Publishing
ISSN : 30321069     EISSN : 30321069     DOI : https://doi.org/10.62976/ierj.v3i2.1120
Core Subject : Religion, Education, Social,
Religion Education Law, Crime, Criminology & Criminal Justice Social Sciences Other
The Interdisciplinary Explorations in Research Journal (IERJ) is a peer-reviewed academic journal that provides an international platform for scholars and researchers to share innovative and cross-disciplinary studies. IERJ publishes original research articles, reviews, and scholarly papers that advance theoretical understanding and practical applications across diverse academic fields, including science, technology, social sciences, and the humanities. The journal welcomes interdisciplinary research and community service-based studies that offer new insights, foster collaboration, and address global challenges. By promoting intellectual dialogue and cross-field exploration, IERJ aims to contribute to the integration of knowledge, encourage academic innovation, and support impactful research that benefits both scholarship and society.
Arjuna Subject : Ilmu Sosial - Pendidikan
Articles 269 Documents
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Pengaruh Sistem Keuangan Digital, Literasi Keuangan, Dan Akses Permodalan Terhadap Kinerja Keuangan Usaha Mikro, Kecil, Dan Menengah Di Kalimantan Selatan Muhammad Rizalun Nashoha; Tesdiq Prigel Kaloka; Hamrani Hamrani
Interdisciplinary Explorations in Research Journal Vol. 4 No. 2 (2026)
Publisher : PT. Sharia Journal and Education Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ierj.v4i2.1932

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh sistem keuangan digital, literasi keuangan, dan akses permodalan terhadap kinerja keuangan Usaha Mikro, Kecil, dan Menengah (UMKM) di Kalimantan Selatan. Penelitian menggunakan pendekatan kuantitatif dengan teknik survei terhadap 136 responden UMKM yang dipilih melalui stratified random sampling dari tiga wilayah utama Kalimantan Selatan. Data dianalisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan software SmartPLS v4.0. Evaluasi model pengukuran menunjukkan seluruh indikator memenuhi kriteria outer loading > 0,70, AVE > 0,50, Composite Reliability > 0,70, dan HTMT < 0,90. Hasil pengujian model struktural melalui bootstrapping (5.000 subsampel) menunjukkan bahwa: (1) sistem keuangan digital berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM (β=0,412; T=4,872; p<0,01); (2) literasi keuangan berpengaruh positif dan signifikan (β=0,318; T=3,614; p<0,01); (3) akses permodalan berpengaruh positif dan signifikan (β=0,276; T=3,187; p<0,01); dan (4) ketiga variabel mampu menjelaskan 69,8% variasi kinerja keuangan UMKM (R²=0,698; Q²=0,387). Temuan ini mengimplikasikan perlunya kebijakan terpadu yang mengintegrasikan literasi digital keuangan dengan program pembiayaan inklusif untuk mendorong ketahanan ekonomi UMKM di Kalimantan Selatan.
Digital Piety: Reorienting Habl Min An-Nas Within The Social Media Ecosystem In The Era Of The Industrial Revolution 5.0 Fahriah Fahriah; Fahmi Hamdi; Salamah Salamah; Hamrani Hamrani
Interdisciplinary Explorations in Research Journal Vol. 4 No. 2 (2026)
Publisher : PT. Sharia Journal and Education Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ierj.v4i2.1934

Abstract

Memasuki era Revolusi Industri 5.0, kemajuan teknologi digital telah secara dinamis merestrukturisasi pola interaksi sosial dan praktik keagamaan masyarakat modern. Munculnya fenomena spiritualitas ujung jari (fingertip spirituality) menandai pergeseran otoritas keagamaan dari ruang fisik tradisional menuju ekosistem digital yang bersifat instan dan on-demand. Namun, keterbukaan arus informasi ini juga memicu tantangan etika virtual berupa penyebaran hoaks, ujaran kebencian, dan perundungan siber yang mengancam harmoni sosial. Kajian ini bertujuan untuk merumuskan konsep Kesalehan Digital sebagai bentuk reorientasi teoretis terhadap makna habl min An-Nas (hubungan antarmanusia) dalam ekosistem media sosial. Penelitian ini merupakan penelitian kepustakaan (library research) dengan pendekatan kualitatif-deskriptif yang menggunakan teknik analisis isi (content analysis) terhadap literatur fundamental kesalehan sosial dan dokumen riset kontemporer. Hasil kajian menunjukkan bahwa kesalehan digital adalah manifestasi iman yang kokoh, di mana ketaatan ritual (habl min Allah) menyatu dengan tanggung jawab moral di ruang publik virtual. Implementasi prinsip tabayyun (verifikasi informasi) berdasarkan QS. Al-Hujurat ayat 6 dan internalisasi adab bermedia menjadi parameter utama dalam menjaga integritas informasi serta stabilitas sosial. Fenomena ini melahirkan identitas "Digital Santri" yang mampu melakukan negosiasi iman secara bijak antara otoritas tradisional dan otoritas virtual. Kajian ini merekomendasikan pentingnya integrasi literasi digital religius dalam kurikulum pendidikan sebagai instrumen preventif guna mewujudkan masyarakat virtual yang beradab di era Masyarakat 5.0.
The Integration of the Iqra Paradigm and the Value of Tabayyun: Strengthening Character-Based Digital Literacy to Counter Misinformation on Social Media Fahriah Fahriah; Hidayat Ma'ruf; Husul Yaqin; Hamdan Hamdan; Hamrani Hamrani
Interdisciplinary Explorations in Research Journal Vol. 4 No. 2 (2026)
Publisher : PT. Sharia Journal and Education Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ierj.v4i2.1945

Abstract

The massive spread of hoaxes and disinformation on social media in the digital age poses serious challenges to literacy, communication ethics, and religious authority. Conventional models of digital literacy are considered inadequate because they focus more on technical aspects and pay less attention to character development and spiritual values. This study aims to reconstruct the Iqra paradigm and the value of Tabayyun as a model of Islamic digital literacy to address disinformation in cyberspace. The study employs a qualitative approach using library research. The primary data sources are drawn from the Qur’an, specifically Surah Al-‘Alaq, verses 1–5, and Surah Al-Hujurat, verse 6, as well as various exegetical works and studies on digital literacy. Data analysis was conducted using a thematic exegesis (tafsir maudhu’i) approach and thematic analysis. The results indicate that the Iqra’ paradigm serves as the foundation for critical thinking in understanding and analyzing information, while Tabayyun functions as a verification mechanism through the validation of sources (sanad), content accuracy (dhabt), and consideration of social impact (maslahah). The integration of these two concepts forms a character-based digital literacy model that emphasizes the values of shidq, amanah, adl, and iffah in digital behavior. This study recommends strengthening digital literacy in Islamic Religious Education through curriculum reorientation, enhancing teachers’ digital competencies, and building an ethical and responsible digital ecosystem.
Pinjam Nama Dalam Pinjaman Online Menurut Hukum Ekonomi Syariah Najwa Navera
Interdisciplinary Explorations in Research Journal Vol. 4 No. 2 (2026)
Publisher : PT. Sharia Journal and Education Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ierj.v4i2.1951

Abstract

Praktik pinjam nama dalam pinjaman merupakan fenomena yang masih banyak ditemukan dalam aktivitas ekonomi masyarakat. Pinjam nama terjadi ketika seseorang menggunakan identitas pihak lain untuk memperoleh pinjaman, sedangkan pihak yang sebenarnya menerima dan menggunakan dana pinjaman adalah orang yang berbeda. Praktik ini umumnya dilakukan karena adanya keterbatasan persyaratan administratif, riwayat kredit yang kurang baik, atau untuk memperoleh kemudahan dalam mendapatkan pinjaman. Penelitian ini bertujuan untuk mengetahui praktik pinjam nama dalam pinjaman, mengidentifikasi faktor-faktor yang menyebabkan terjadinya praktik tersebut, serta menganalisisnya berdasarkan perspektif hukum ekonomi syariah. Metode penelitian yang digunakan adalah penelitian hukum normatif dengan pendekatan konseptual dan pendekatan perundang-undangan melalui analisis terhadap prinsip-prinsip syariah, kaidah fikih muamalah, serta literatur yang relevan. Hasil penelitian menunjukkan bahwa praktik pinjam nama mengandung unsur ketidakjelasan subjek hukum, potensi penyalahgunaan kepercayaan, serta dapat menimbulkan gharar dan tadlis yang berakibat pada ketidakpastian hak dan kewajiban para pihak. Dalam hukum ekonomi syariah, setiap akad harus dilandasi prinsip kejujuran, amanah, keterbukaan, dan tanggung jawab. Oleh karena itu, praktik pinjam nama tidak sejalan dengan prinsip-prinsip syariah apabila dilakukan untuk menyembunyikan identitas pihak yang sebenarnya, mengaburkan tanggung jawab hukum, atau menimbulkan kerugian bagi salah satu pihak.
Hukum dan Kebijakan Publik dalam Ketertiban Umum: Analisis Normatif, Empiris, dan Implikasi Kebijakan di Indonesia Syahri Ramdhani; Holijah Holijah
Interdisciplinary Explorations in Research Journal Vol. 4 No. 2 (2026)
Publisher : PT. Sharia Journal and Education Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ierj.v4i2.1961

Abstract

Public order is a fundamental prerequisite in a democratic rule-of-law state. In Indonesia, law and public policy play complementary roles in maintaining social stability and protecting citizens’ rights. This study aims to analyze the relationship between law and public policy in ensuring public order and to evaluate implementation challenges. This research employs a normative juridical method combined with conceptual and statutory approaches, supported by limited empirical observations. The findings indicate that the effectiveness of public order depends on the integration of strong legal norms and adaptive, participatory public policies. Weak institutional coordination and inconsistent law enforcement remain major obstacles.
Penerapan Big Data dan Kecerdasan Buatan Untuk Keberlanjutan Bisnis: Systematic Literature Review Rahmadhani Aldi; Muh. Faiq Farhan Najiya; Persada Abdi
Interdisciplinary Explorations in Research Journal Vol. 4 No. 2 (2026)
Publisher : PT. Sharia Journal and Education Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ierj.v4i2.1966

Abstract

This study seeks to gather information on how big data analytics (BDA) and artificial intelligence (AI) are being applied to support business continuity, including their impact on ESG performance, factors that facilitate and hinder adoption, and modifications to how businesses operate. Using a structured literature review (SLR) in accordance with PRISMA 2020 guidelines, this study examines 40 articles from Scopus, Web of Science, IEEE Xplore, and Google Scholar (2021–2026) through a framework that combines the theories of Triple Bottom Line, Resource-Based View, Dynamic Capabilities, Stakeholders, and TOE. The study results show that AI and BDA contribute to environmental aspects (energy efficiency, pollution and waste minimization), social (safe workplaces, flagging human rights issues), and governance (transparency in ESG reporting and fraud detection). These technologies also facilitate a shift to repeatable business patterns and environmentally friendly supply chains. Key factors driving adoption include leadership commitment, digital expertise, investor pressure, and regulatory compliance. Key barriers include high costs, a lack of expertise, and the complexity of integrating systems. This research produces a combined conceptual framework linking AI/BDA adoption to business sustainability, enhancing theoretical insights through a combination of five theories and providing practical guidance for managers and decision-makers.
Peran Artificial Intelligence Dalam Sistem Informasi Manajemen Untuk Mendukung Pengambilan Keputusan Bisnis: Sebuah Systematic Literature Dwi Kurnia; Rahma Dini; Maeliawati Maeliawati
Interdisciplinary Explorations in Research Journal Vol. 4 No. 2 (2026)
Publisher : PT. Sharia Journal and Education Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ierj.v4i2.1968

Abstract

Perkembangan teknologi Artificial Intelligence (AI) yang pesat telah membuka peluang transformasi mendalam dalam Sistem Informasi Manajemen (SIM), khususnya dalam konteks pengambilan keputusan bisnis. Penelitian ini bertujuan menganalisis peran AI dalam SIM, mengidentifikasi manfaat dan tantangan implementasinya, serta mengevaluasi kontribusinya terhadap efektivitas pengambilan keputusan bisnis pada organisasi modern. Metode yang digunakan adalah Systematic Literature Review (SLR) dengan protokol PRISMA 2020. Sebanyak 847 artikel diidentifikasi dari basis data Scopus, Web of Science, ScienceDirect, Emerald, Springer, IEEE, dan Google Scholar periode 2021-2026. Setelah proses skrining dan penilaian kelayakan, sebanyak 42 artikel final dianalisis menggunakan teknik analisis isi (content analysis) dan sintesis naratif. Hasil penelitian menunjukkan bahwa AI memberikan kontribusi signifikan melalui tiga dimensi utama: (1) peningkatan akurasi dan kecepatan pengambilan keputusan berbasis data; (2) otomatisasi proses analitik dan prediktif; serta (3) peningkatan kapasitas organisasi dalam merespons dinamika lingkungan bisnis. Tantangan utama meliputi kesiapan infrastruktur digital, resistensi SDM, persoalan etika data, dan keterbatasan interpretabilitas model AI. Penelitian ini berkontribusi dalam memperkuat kerangka teoritis integrasi AI-SIM dan memberikan implikasi praktis bagi manajer dalam merancang strategi adopsi AI yang efektif.
Dampak Penerapan Sistem Informasi Manajemen Terhadap Efisiensi Dan Efektivitas Pengambilan Keputusan Bisnis: Systematic Literature Review Muhammad Hasbi Khalid; Muhammad Saadillah; Muhammad Seisar Ataillah
Interdisciplinary Explorations in Research Journal Vol. 4 No. 2 (2026)
Publisher : PT. Sharia Journal and Education Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ierj.v4i2.1969

Abstract

Penerapan Sistem Informasi Manajemen (SIM) dalam lingkungan bisnis modern saat ini memegang peranan krusial sebagai pilar transformasi digital organisasi. Namun, analisis literatur menunjukkan adanya polarisasi keberhasilan implementasi akibat ketimpangan antara kesiapan teknologi dan kapasitas sumber daya manusia. Penelitian ini bertujuan untuk mengevaluasi secara komprehensif dampak penerapan SIM terhadap efisiensi operasional dan efektivitas pengambilan keputusan strategis bisnis melalui pendekatan studi literatur (literature review). Analisis dilakukan dengan menyintesis temuan-temuan ilmiah terkini menggunakan integrasi konseptual dari Simon’s Decision-Making Model, kualitas informasi, Technology Acceptance Model (TAM), serta Technology-Organization-Environment (TOE) Framework. Hasil kajian menunjukkan bahwa SIM yang dirancang dengan optimal mampu menyuplai informasi berkualitas tinggi (akurat, relevan, terintegrasi, dan real-time) yang secara simultan mempercepat tahapan kognitif pengambilan keputusan manajerial. Dimensi efisiensi teraktualisasi melalui reduksi waktu pemrosesan laporan data dan pemangkasan biaya operasional korporasi. Sementara itu, dimensi efektivitas tercermin pada peningkatan akurasi kebijakan berbasis data (data-driven decision making) serta minimalisasi risiko ketidakpastian pasar. Kajian ini menyimpulkan bahwa dampak positif tersebut tidak bersifat otomatis, melainkan mensyaratkan adanya adopsi perilaku pengguna yang positif (bebas dari resistensi karyawan) serta dukungan kuat dari manajemen puncak dalam memitigasi hambatan non-teknis. Penelitian ini berkontribusi memberikan arah strategi bagi praktisi bisnis dalam mengoptimalkan tata kelola sistem informasi di era digital.
Efektivitas Mediasi Sebagai Alternatif Penyelesaian Sengketa Kredit Pebankan : Studi Putusan Nomor 15/Pdt.G/2025/Pn Pyh Naily Khairina; Fuad Luthfi
Interdisciplinary Explorations in Research Journal Vol. 4 No. 2 (2026)
Publisher : PT. Sharia Journal and Education Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ierj.v4i2.1970

Abstract

This article analyzes the effectiveness of mediation as an alternative dispute resolution mechanism in banking credit disputes through the study of Decision Number 15/Pdt.G/2025/PN Pyh. The research employs a normative juridical method using statutory, conceptual, and case approaches. The findings indicate that mediation is an effective mechanism in resolving banking credit disputes because it provides opportunities for the parties to reach mutually beneficial agreements, reduces litigation costs, shortens dispute resolution time, and maintains business relationships between creditors and debtors. The settlement agreement resulting from mediation and ratified by the court through a settlement deed has binding legal force and executorial power equivalent to a final court judgment. The study concludes that mediation serves as an efficient and fair alternative for resolving banking credit disputes while promoting legal certainty and justice for the parties involved.
Moral Ekonomi Islam, Maqasid Syari’ah dan Kapitalisme Ansharullah Ansharullah; Jalaluddin Jalaluddin; Zainal Abidin; Zaki Mubarak
Interdisciplinary Explorations in Research Journal Vol. 4 No. 2 (2026)
Publisher : PT. Sharia Journal and Education Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ierj.v4i2.1973

Abstract

This article examines the relationship between Islamic moral economy, maqasid al-shari'ah, and the practices of Islamic financial institutions within the context of modern capitalism. The study employs a library research method with a descriptive-critical approach to the literature on Islamic economics, maqasid al-shari'ah, and Islamic finance. The findings reveal that Islamic economics is fundamentally grounded in the principles of tawhid, justice, public welfare, and balance, aiming to establish a human-centered economic system. However, in practice, many Islamic financial institutions have increasingly converged with the capitalist financial system, prioritizing profitability over moral and social values. The dominance of debt-based financing, particularly murabahah, reflects a shift from the principle of risk sharing toward risk transfer, resulting in the incomplete realization of the substantive objectives of maqasid al-shari'ah. Furthermore, the classical framework of maqasid al-shari'ah requires reinterpretation to address contemporary economic challenges related to social justice, community empowerment, and environmental sustainability. This article argues for the reorientation of Islamic finance toward the principles of Islamic moral economy, emphasizing justice, partnership, and collective welfare as the primary objectives of Islamic financial institutions.

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