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Ananto Triwibowo
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jidef93@gmail.com
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+6285709589135
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jidef93@gmail.com
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Banjar Rejo, Batanghari 34381, East Lampung Regency, Lampung, Indonesia
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Journal of Islamic Digital Economic and Finance (JIDEF)
Published by Nuban Jagadhita Centre
ISSN : -     EISSN : 31247210     DOI : https://doi.org/10.2711/jidef.v1i02
Core Subject : Religion, Economy, Science, Social,
Religion Computer Science & IT Economics, Econometrics & Finance Social Sciences
Journal of Islamic Digital Economy and Finance is a scholarly journal focused on advancing theoretical, empirical, and applied research in the fields of Islamic economics and digital finance. The journal aims to serve as a platform for disseminating cutting-edge research that integrates Sharia principles with advancements in digital technology within contemporary economic and financial systems. Scope Journal of Islamic Digital Economic and Finance (JIDEF) welcomes papers from academicians on academic research and financial practices. In particular, papers considering the following topics are invited. Islamic Economics; Islamic Finance; Islamic Financial Technology; Islamic Digital Economy; Islamic Banking System; Islamic financial system; Digitization of ZISWAF and Islamic social finance platforms; Islamic Digital Business.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 10 Documents
 1 
The Role of Service Quality in Increasing Interest in Using Islamic Mobile Banking in the Digital Era Ananto Triwibowo; Nur Sya'adi
Journal of Islamic Digital Economic and Finance Vol. 1 No. 01 (2025): Journal of Islamic Digital Economic and Finance (JIDEF) 
Publisher : Nuban Jagadhita Centre

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Abstract

Introduction: The rapid development of digital technologies has transformed the banking industry, with mobile banking becoming increasingly prevalent among consumers. Objective: This study examines the role of service quality in increasing customer interest in using Islamic mobile banking services in the digital era. While financial technology continues to develop rapidly, Islamic banking faces the challenge of providing mobile banking services that not only meet technological demands but also comply with Islamic principles. Method: Using a qualitative approach, this study analyses how the dimensions of service quality—reliability, responsiveness, assurance, empathy, and physical evidence (SERVQUAL model)—combined with adherence to Islamic principles, influence the adoption and continued use of Islamic mobile banking applications. Result: service quality has a significant positive impact on customer interest, with reliability and adherence to sharia principles being the most influential factors. Implication: This study provides strategic recommendations for Islamic financial institutions to improve their mobile banking services in an increasingly competitive digital landscape
Wakaf Goes Digital: Wakaf Innovation in Modern Era in Indonesia Chesia Afriza; Ferri Andreansyah; Refi Yoanda Rahmatul Aulia; Riyan Adiputra
Journal of Islamic Digital Economic and Finance Vol. 1 No. 01 (2025): Journal of Islamic Digital Economic and Finance (JIDEF) 
Publisher : Nuban Jagadhita Centre

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Abstract

Introduction: The rapid development of information technology has driven digitalization across various aspects of life, including the management of waqf as an Islamic social finance instrument. In Indonesia, waqf management still faces challenges such as low waqf literacy, limited transparency, and lack of public participation, particularly among the millennial generation. Objective: This study aims to analyse the transformation of waqf through digital approaches and the role of millennials in supporting such innovations. Method: The research employs a qualitative literature review method, using the diffusion of innovation theory and social innovation in Islamic philanthropy to analyze secondary data from journals, reports, and digital waqf platforms. Result: The results show that digitalization of waqf through platforms such as Berkah Wakaf and Kitabisa.com has enhanced participation, efficiency, and transparency in waqf collection and distribution. However, challenges remain, including limited digital financial literacy and trust in digital platforms. These issues must be addressed through education, regulatory support, and cross-sector collaboration. Implication: With the right strategy, digital waqf has the potential to become a significant milestone in strengthening Islamic economics and empowering the ummah in the modern era
The Use of Financial Technology by ZISWAF Institutions in the Digital Era Ayu Sinta Indriani; Farhan Dharmawan; Riki Kurniawan; Rizky Fadhilah Ahmad
Journal of Islamic Digital Economic and Finance Vol. 1 No. 02 (2025): Journal of Islamic Digital Economic and Finance (JIDEF)
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.2711/jidef.v1i02.195

Abstract

Introduction: The development of digital technology, particularly financial technology (fintech), has driven significant transformation in the management of Islamic social finance, including in Zakat, Infaq, Sadaqah, and Waqf (ZISWAF) institutions. Objective: This study aims to analyze the role of fintech in enhancing the effectiveness of ZISWAF fund collection, transparency, and distribution, and to identify challenges and strategies to optimize its implementation in the digital era. Method: A qualitative approach was used, involving library research and secondary data from official institutional reports, regulations, and relevant scientific literature. The analysis was conducted using a descriptive-thematic approach based on the Technology Acceptance Model (TAM), the Diffusion of Innovations (DoI) theory, trust theory, and institutional theory. Results: The study findings indicate that the use of fintech significantly improves operational efficiency, expands public access to Islamic philanthropic services, and strengthens the transparency and accountability of ZISWAF institutions. Collaboration with digital platforms has proven effective in boosting public trust and accelerating technology adoption. However, there are several major challenges, such as low digital literacy, limited human resources, infrastructure gaps between urban and rural areas, and insufficient regulatory support. Implication: This study underscores the importance of a systemic and collaborative approach in the development of ZISWAF fintech, through human resource capacity building, the enhancement of digital literacy, the formulation of adaptive policies, and synergy among the government, ZISWAF institutions, and the fintech sector. Thus, fintech integration is not merely a technical tool but also a transformational strategy for realizing modern, inclusive, and sustainable Islamic social finance governance.
Model for Innovative Use of Ziswaf Funds to Enhance the Competitiveness of Microeconomic Actors in the Digital Economy Agung Rizkiyan; Dhaisya Dea Maretha; Revalina Melati Ayuningtyas; Zulfa Dela Octavia
Journal of Islamic Digital Economic and Finance Vol. 1 No. 02 (2025): Journal of Islamic Digital Economic and Finance (JIDEF)
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.2711/jidef.v1i02.196

Abstract

Introduction: Digital transformation over the past decade has opened significant opportunities and challenges for optimizing the utilization of Zakat, Infaq, Sedekah, and Wakaf (ZISWAF) funds as instruments of Islamic social finance. In Indonesia, micro-economy actors still face various obstacles, such as limited access to capital, low financial and digital literacy, and limited market access. Objective: This study aims to develop an innovative model for the digital utilization of ZISWAF funds to enhance the competitiveness of microeconomic actors. Method: A qualitative approach with a descriptive-analytical design is used, informed by a literature review and analysis of secondary data from various institutional reports and prior studies. Results: The study findings indicate that the utilization of ZISWAF is still dominated by a consumptive pattern, even though productive zakat has been shown to increase beneficiaries’ income by up to 58% per year. Furthermore, digitalization has been shown to double MSMEs' revenue, yet technology adoption rates remain low. Therefore, this study proposes an integrative model based on a digital platform that encompasses access to financing, online training, digital marketing, and a data-driven monitoring system. Implication: This study confirms that the digital transformation of ZISWAF can serve as an effective strategy to promote inclusive, sustainable microeconomic empowerment that aligns with the principles of maqashid syariah.
The Dynamics of Sharia Business Law in Responding to Innovations in Digital-Based Islamic Financial Products Dede Al Mustaqim Mustaqim; Suci Nurlathifah Putri Heryanto
Journal of Islamic Digital Economic and Finance Vol. 1 No. 01 (2025): Journal of Islamic Digital Economic and Finance (JIDEF) 
Publisher : Nuban Jagadhita Centre

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Abstract

Introduction: Poverty has significant impacts on social, economic, political, and health sectors. To reduce the poverty rate, financial inclusion and ethical financial innovation play a crucial role. In the context of Islamic finance, the emergence of digital-based products such as green sukuk, Islamic fintech, crowdfunding, QRIS, and e-money reflects a rapid integration between Sharia principles and modern technology. However, this evolution also brings new challenges in regulation, supervision, and adherence to the maqashid shariah framework. Objective: This research aims to analyze the dynamics of Sharia business law in responding to the development of innovative Islamic financial products in the digital era. Method: This research uses a qualitative method with a library research approach, examining authoritative sources such as DSN-MUI fatwas, regulations by OJK and Bank Indonesia, and relevant academic journals. Result: The findings show that innovative Islamic financial products significantly contribute to financial inclusion and the transformation of the Islamic economic system. Their development and oversight involve formal mechanisms by Islamic Financial Institutions (LKS), the Sharia Supervisory Board (DPS), DSN-MUI, and financial authorities. DSN-MUI plays a central role in issuing fatwas, while regulatory sandboxes function as testing grounds for new digital products. Implication: This suggests that combining robust planning, Sharia-compliant implementation, and layered evaluation processes can ensure the sustainability of Islamic finance innovation. The integration of ESG (Environmental, Social, and Governance) principles further enhances its contribution to a sustainable economic system. A collaborative approach involving regulators, scholars, industry players, and academics is key to maintaining relevance, integrity, and public benefit in Islamic digital finance.
Kopontren Optimization to Promote Digital Economic Transformation in the Dzikrul Ghofilin Al Hasyimiyyah Islamic Boarding School and Surrounding Communities Muhammad Khotib Khusaen Fikri; Nurul Wulandari Putri; Muhammad Afani Adam
Journal of Islamic Digital Economic and Finance Vol. 1 No. 01 (2025): Journal of Islamic Digital Economic and Finance (JIDEF) 
Publisher : Nuban Jagadhita Centre

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Abstract

Introduction: The Dzikrul Ghofilin Al Hasyimiyyah Islamic Boarding School Cooperative (Kopontren) has strategic potential as a driving force for digital economic transformation, but still faces challenges in optimizing the use of technology for the economic empowerment of students and the surrounding community. Objective: This study aims to analyze Kopontren's optimization strategies in promoting digital economic transformation, identify the potential and challenges of implementation, and formulate a sustainable transformation roadmap to improve the economic welfare of the pesantren community and its surroundings. Method: The study employs a descriptive qualitative approach using a case study method. Data was collected through direct observation, in-depth interviews with key stakeholders, document analysis, and SWOT analysis. Data analysis utilized triangulation techniques to ensure the validity and reliability of the findings. Result: The study identified three key strategies for optimizing Kopontren: (1) digitizing internal management systems through the implementation of integrated information systems and mobile applications; (2) developing e-commerce platforms and integrating them with marketplaces to expand market reach; (3) implementing sharia fintech and community digital literacy empowerment programs. Implication: This transformation model can be replicated in other Islamic boarding schools as a best practice for digital-based economic empowerment of the Muslim community while maintaining Islamic values. Policy implications highlight the need for government support in the form of conducive regulations, human resource training programs, and access to capital to accelerate the adoption of digital technology within Islamic boarding schools.
Fiqh Muamalah Analysis of the Government Digital Procurement System Choirul Amirudin
Journal of Islamic Digital Economic and Finance Vol. 1 No. 01 (2025): Journal of Islamic Digital Economic and Finance (JIDEF) 
Publisher : Nuban Jagadhita Centre

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Abstract

Introduction: Presidential Regulation No. 46 of 2025 concerning the Procurement of Goods/Services which has three important stages, namely preparation, selection and implementation. The implementation of e-procurement is a form of public administration modernization that aims to improve efficiency, transparency, and accountability in the management of the state budget. Objective: This study aims to analyze the perspective of fiqh muamalah on the implementation of the government's digital procurement system (e-procurement) in Indonesia. This research will also identify potential violations of Sharia principles in the digital procurement system and provide recommendations for system improvements to better align with Islamic values. Method: Using qualitative methods and secondary data sources, this study examines the compatibility of sharia principles in the government's technology-based procurement system for goods and services. Result: The conclusion shows that first, in general, Presidential Regulation No. 46 of 2025 concerning the Procurement of Government Goods/Services must start with good planning, the selection of good alternatives and the need to use the best procurement strategy. The government's digital procurement system can be in line with the principles of fiqh muamalah if it meets the requirements of a valid contract, transparency, fairness, and avoids elements that are prohibited in Islam such as gharar, riba, and tadlis. Implication: This study contributes new insights to the contemporary fiqh muamalah discourse regarding the adaptation of Islamic law to technological developments in the public sector.
Byond BSI Customer Satisfaction Determinants: Interface Design, User Experience, and Ease of Use Yanuar Wendy Wardana
Journal of Islamic Digital Economic and Finance Vol. 1 No. 02 (2025): Journal of Islamic Digital Economic and Finance (JIDEF)
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.2711/jidef.v1i02.219

Abstract

Introduction: Data from the Financial Services Authority (OJK) shows that the number of mobile banking users in Indonesia reached 147.8 million users in 2023, increasing 23.4% from the previous year. Customer satisfaction in mobile banking applications becomes a critical factor determining the success of Islamic banking digital transformation, as 73% of customers will switch banks after poor mobile banking experiences. Objective: This research aims to analyze the influence of interface design, user experience, and ease of use on customer satisfaction of the Byond BSI mobile banking application and identify the most dominant factor in shaping user satisfaction. Method: This research uses a quantitative research method with snowball sampling technique, resulting in 100 respondents who are active customers of Bank Syariah Indonesia using Byond BSI application. Data analysis includes validity and reliability tests, classical assumption tests, and multiple linear regression analysis. Result: The findings show that interface design, user experience, and ease of use have positive and significant influences on customer satisfaction of the Byond BSI application. All three independent variables prove to be fundamental determinants in enhancing customer satisfaction and competitive advantage in Indonesia's Islamic digital banking market. Implication: This suggests that combining interface design optimization that prioritizes visual consistency and intuitive navigation, user experience development integrating functional efficiency with pleasant experiences, and ease of use enhancement through transaction process simplification serves as strategic framework for Islamic banking digitalization.
Islamic Work Ethics in Digital-Based Sharia Banking Human Resource Management Dwi Iqbal Pamungkas
Journal of Islamic Digital Economic and Finance Vol. 1 No. 02 (2025): Journal of Islamic Digital Economic and Finance (JIDEF)
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.2711/jidef.v1i02.382

Abstract

Introduction: The digitilisation of human resource management offers greater efficiency and accuracy, but it also poses challenges in maintaining the ethical and spiritual values that are the defining characteristics of Islamic banking. In this context, work ethic plays an important role as a moral foundation guiding the use of technology to remain in line with Sharia principles. Objective: This study aims to conceptually examine the role of Islamic work ethic in digital-based Islamic banking human resource management, and to analyse its contribution to shaping work behaviour, improving employee performance, and organisational sustainability in the era of digital transformation. Method: This study uses a library research method with a qualitative-descriptive approach. Data were obtained from national and international scientific journal articles, academic books, and conceptual studies relevant to Islamic work ethics, Sharia HRM, and HRM digitalisation. Data analysis was conducted using content analysis and a narrative literature review. Result: The study indicates that Islamic work ethics play a strategic role in shaping employee work behaviour, improving organisational performance and commitment, and maintaining the welfare of Islamic banking employees. The integration of Islamic work ethic values into digital HRM practices can guide the ethical, fair, and responsible use of technology, while helping employees adapt to technological change and work pressures in the digital era. Implication: These findings contribute both theoretically to the development of Islamic management literature and, practically, to Islamic banking managers in designing adaptive, integrity-based, and sustainability-oriented HR strategies.
Ethical Challenges of Islam in the Digitalisation of Sharia Banking Services Rindu Oktavia
Journal of Islamic Digital Economic and Finance Vol. 1 No. 02 (2025): Journal of Islamic Digital Economic and Finance (JIDEF)
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.2711/jidef.v1i02.384

Abstract

Introduction: The digitisation of Islamic banking services is growing rapidly in line with technological advances and changes in customer behaviour. Digital transformation provides convenience, efficiency, and expanded access to Islamic financial services. However, digitisation also presents various ethical challenges, particularly in relation to compliance with Islamic principles such as fairness, transparency, data protection, and trustworthiness in the management of banking services. Objective: This study aims to examine the Islamic ethical challenges that arise in the process of digitising Islamic banking services and to analyse the application of Islamic ethical values in the operation of digital-based banking services. Method: This study uses a descriptive qualitative approach through a literature review. Data were obtained from scientific journals, books, regulatory documents, and reports on Islamic ethics and the digitalisation of Islamic banking. Data were analyzed using thematic analysis to identify the main ethical issues relevant to this study. Result: The study finds that the main ethical challenges in the digitalisation of Islamic banking include maintaining Sharia compliance in digital and automated systems, protecting customer data and privacy, ensuring transparency in digital transactions, and balancing technological efficiency with ethical accountability. The limitations of the ethical governance framework and the low level of digital literacy among some stakeholders further exacerbate these challenges. Implication: This study emphasises the importance of strengthening Sharia-based ethical governance, developing digital guidelines aligned with Islamic principles, and maintaining continuous oversight of the digitalisation process. These efforts are necessary to maintain public trust and ensure the sustainability of Islamic banking in the digital era

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