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Dwi Siyamsih
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nawalaedu@gmail.com
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Jl. Raya Yamin No.88 Desa/Kelurahan Telanaipura, kec.Telanaipura, Kota Jambi, Jambi Kode Pos : 36122
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Kota jambi,
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INDONESIA
Journal of Islamic Economy
Published by PT Anagata Sembagi Education
ISSN : -     EISSN : 30472520     DOI : https://doi.org/10.62872/nstc4b78
Core Subject : Economy,
Economics, Econometrics & Finance
The journal publishes original articles on current issues and trends occurring internationally in Public Philosophy of Islamic Economics, Islamic Economic Thought, Islamic Economics and Contemporary Issues, Contemporary issues in Islamic Financial Institutions, Islamic Management Islamic Accounting, Legal Aspects in Islamic Economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekomomi dan Ekonometrika
Articles 42 Documents
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The Role of Cash Waqf-Linked Sukuk as a Sustainable Financing Instrument in Supporting National Economic Development Nurjanna Ladjin
Journal of Islamic Economy Vol. 3 No. 2 (2026): JULY - JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/zcsm3w37

Abstract

Indonesia faces a persistent national development financing gap that conventional fiscal instruments and commercial debt alone cannot close, particularly for social-infrastructure and inclusive-growth agendas linked to the Sustainable Development Goals (SDGs). Cash Waqf-Linked Sukuk (CWLS) has emerged since 2020 as a hybrid Islamic social-commercial finance instrument that channels the principal-protected returns of cash waqf into sovereign sukuk, generating a perpetual yield stream for productive social programs. This article synthesizes twenty-five recent scholarly sources (2021–2026) to examine how CWLS functions as a sustainable financing mechanism supporting national economic development. Using a qualitative descriptive literature-review method, documents were screened, classified, and analyzed thematically across five domains: infrastructure, food security and agriculture, MSME and community empowerment, post-pandemic recovery, and cross-country comparison. The review finds that CWLS offers a principal-safe, Shariah-compliant channel that simultaneously mobilizes idle cash waqf and diversifies the government's sukuk investor base, but its impact remains constrained by low public literacy, limited Nazhir institutional capacity, and fragmented distribution channels. The novelty of this article lies in integrating dispersed sector-specific findings into a single SDG-mapped conceptual framework and identifying an emerging convergence between CWLS and green-sukuk financing. Policy implications for scaling CWLS as a sustainable national financing instrument are discussed
An Analysis of Factors Influencing Generation Z’s Interest in Using Digital Islamic Banking Services in Indonesia Ifada Rahmayanti
Journal of Islamic Economy Vol. 3 No. 2 (2026): JULY - JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/69gds404

Abstract

Digital Islamic banking is one of the financial sectors experiencing rapid growth in tandem with digital transformation and demographic shifts in Indonesia’s population. Generation Z, born between 1997 and 2012, dominates Indonesia’s population and represents a strategic target group for the development of digital-based Islamic financial services. Although the market potential is significant, the national market share of Islamic banking remains relatively low, resulting in a gap between demographic potential and the actual adoption rate of these services. This study aims to identify and analyze the factors influencing Generation Z’s interest in using digital Islamic banking services in Indonesia through a systematic literature review approach. A total of seventeen scientific articles published between 2022 and 2026 were collected, selected, and analyzed based on topic relevance, methodological quality, and relevance to the research variables. The results of the study indicate that technological factors such as perceived ease of use, performance expectations, and enabling conditions consistently have a positive and significant influence. Social influences and digital marketing were also found to be strong external determinants. Sharia financial literacy, both directly and as a moderating variable, contributed to increased interest. Conversely, evidence regarding the role of religiosity and brand image remains mixed and inconsistent across studies. These findings indicate that Generation Z’s preference for digital Islamic banking is driven more by functional value, practicality, and social environmental influences than solely by religious motives. This study is expected to serve as a reference for the Islamic banking industry and policymakers in designing more targeted strategies for acquiring young customers

Page 5 of 5 | Total Record : 42

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