cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Ananto Triwibowo
Contact Email
jidef93@gmail.com
Phone
+6285709589135
Journal Mail Official
jidef93@gmail.com
Editorial Address
Banjar Rejo, Batanghari 34381, East Lampung Regency, Lampung, Indonesia
Location
Kab. lampung timur,
Lampung
INDONESIA
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 15 Documents
 1   2 
Collaboration between Sharia Banks and FinTech: Ethical Challenges and Human Resource Readiness Fajar Budi Utomo; Yovi Kusumadani; Linda Jayanti; Nur Aeni; Agnes Jevi Rialita
Journal of Islamic Digital Economic and Finance Vol. 2 No. 01 (2026): 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.v2i01.383

Abstract

Objective: This article aims to analyze the collaboration between Islamic banks and FinTech, with particular emphasis on ethical challenges and human resources (HR) readiness to support the sustainability of the digital Islamic finance ecosystem. The study explores how technological innovation can be aligned with Sharia principles while maintaining institutional integrity and competitiveness. Method: This study employs a descriptive qualitative approach using a literature review method. Data were collected from Indonesian-language academic journals and scholarly publications related to Islamic banking, FinTech, Islamic business ethics, digital transformation, and human resource development. The collected literature was analyzed thematically to identify major trends, challenges, and opportunities in the integration of Islamic banking and financial technology. Results: The findings reveal that collaboration between Islamic banks and FinTech contributes significantly to improving service efficiency, accelerating financial inclusion, expanding access to Sharia-compliant financial services, and enhancing customer experience. Nevertheless, several challenges remain, including ethical gaps in digital transactions, the risk of Sharia non-compliance, inadequate digital literacy, limited technological capabilities, and insufficient understanding of fiqh muamalah among the human resources involved in digital financial services. Implication: These findings highlight the need to strengthen Islamic business ethics, improve digital competencies, and provide continuous fiqh muamalah training for human resources. Furthermore, Sharia regulation and supervisory mechanisms should be adaptive and responsive to technological developments. Novelty: This article identifies a gap in previous studies by demonstrating that the success of digital collaboration depends not merely on technological adoption but also on the balanced integration of Islamic ethical values, HR readiness that combines digital literacy and fiqh muamalah competencies, and adaptive Sharia governance within the evolving digital financial ecosystem.
Digital Service Impact on Islamic Bank Customer Loyalty in Urban Communities: A Comparative Study in Bandar Lampung and Metro Muhammad Afnie Adam; Hotman Hotman; Ahmad Hazas Syarif; Agus Kurniawan
Journal of Islamic Digital Economic and Finance Vol. 2 No. 01 (2026): 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.v2i01.569

Abstract

Objective: This study aims to analyze the impact of digital services, including mobile banking, internet banking, and app-based services, on customer loyalty in Islamic banks operating in urban areas. Bandar Lampung and Metro City in Lampung Province were selected as study locations to examine differences in digital banking adoption and customer behavior within distinct urban ecosystems. Method: This study employs a quantitative survey design using a Structural Equation Modeling (SEM) approach based on Partial Least Squares (PLS-SEM). A total of 320 active customers of Islamic banks in Bandar Lampung and Metro City were selected through purposive sampling. The variables examined include ease of use, transaction security, digital service quality, trust, customer satisfaction, and customer loyalty. Data analysis was conducted to assess direct, mediating, and moderating relationships among the variables. Result: The findings reveal that ease of use (β = 0.312, p < 0.01), transaction security (β = 0.289, p < 0.01), and digital service quality (β = 0.341, p < 0.01) positively and significantly influence customer satisfaction. Customer satisfaction serves as a strong mediating variable in the relationship between digital services and customer loyalty (β = 0.427, p < 0.001). Trust was also found to moderate this relationship significantly (β = 0.198, p < 0.05). Moreover, customers in Bandar Lampung exhibit higher levels of digital service adoption than those in Metro City. Implication: This study has practical implications for Islamic bank management, including increasing investment in digital infrastructure to build sustainable customer loyalty and developing structured digital literacy programs, particularly in areas with lower adoption rates, such as Metro City. Novelty: This study contributes to the literature by adopting a comparative urban ecosystem perspective, contrasting a regional economic center with a developing satellite city. It also integrates trust as a moderating variable within the PLS-SEM framework, providing a more comprehensive understanding of customer loyalty formation in the context of digitalization in Islamic banking in Indonesia.
Digital Transformation of Cooperatives in Indonesia: A Descriptive Qualitative Study of Cooperatives in Lampung Province Ananto Triwibowo; Muhammad Mujib Baidhowi; M. Arif Budiman Kasim; Abizar; Mawardi Mawardi; Jati Imantoro
Journal of Islamic Digital Economic and Finance Vol. 2 No. 01 (2026): 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.v2i01.571

Abstract

Objective: This study aims to analyze the current state, driving and inhibiting factors, impacts, and patterns of digital transformation among cooperatives in Lampung Province, Indonesia, as part of the broader effort to modernize cooperative institutions in the digital economy. Method: A descriptive qualitative approach was employed to capture the complexity of digital transformation within cooperatives. Data were collected from seven cooperatives through in-depth interviews with 21 key informants, participatory observation, and document analysis. The data were analyzed using the Miles and Huberman interactive model, including data reduction, data display, and conclusion drawing. Results: The findings reveal that digital adoption among cooperatives remains uneven, with an average digitalization index of 51.8%, indicating an early transition toward digital cooperative models. Digital member management systems showed the highest adoption rate, while digital annual meetings and e-commerce platforms remained limited. The main drivers of digital transformation include government support programs, competitive pressure from fintech institutions, and visionary leadership. Conversely, barriers consist of limited digital human resources, inadequate technological infrastructure, organizational resistance to change, and low digital literacy among members. The study also identifies four distinct patterns of cooperative digital transformation: Digital Pioneers, Selective Adopters, Reluctant Followers, and Passive Resistance. Furthermore, digitalization improves operational efficiency and service reach but may reduce social interaction and cooperative solidarity if not managed carefully. Implications: The findings suggest the need for differentiated digitalization policies, continuous digital capacity building, and inclusive transformation strategies that preserve cooperative values while enhancing technological competitiveness Novelty: This study contributes to the literature by proposing a contextual typology of cooperative digital transformation grounded in empirical evidence from Indonesian cooperatives and by highlighting the tension between digital efficiency and the preservation of cooperative social values, an aspect underexplored in prior research.
Pricing Practices on Digital Platforms from the Perspective of Islamic Business Ethics: A Study of Marketplace Operators in Indonesia Fadhila Sukur Indra; Miftahul Huda
Journal of Islamic Digital Economic and Finance Vol. 2 No. 01 (2026): 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.v2i01.584

Abstract

Objective: This study aims to analyze the pricing mechanisms on digital platforms, identify the factors influencing price volatility, and examine these mechanisms from the perspective of Islamic business ethics. Method: This study employs a qualitative field case study approach in Indonesia. Primary data was collected through in-depth interviews with marketplace business operators selected via purposive sampling. Data analysis applied the interactive model proposed by Miles, Huberman, and Saldaña. Results: Research findings indicate that pricing on digital platforms is dynamic (dynamic pricing) and highly responsive to platform structure, moving beyond the conventional cost-plus pricing method. Prices are determined through real-time interactions between internal cost calculations, competitive strategies among stores, platform algorithms, promotional momentum (such as flash sales or date-matching promotions), and consumer perceptions of value. This strategy is crucial for sellers to maintain product visibility and competitiveness. However, this pricing structure is often not fully understood by buyers, leading to information asymmetry. Implications: Ethically, price flexibility aligns with the principle of al-’adl and free-market mechanisms. However, this paper emphasizes the need for transparency (bayān), mutual consent (tarāḍin), and trustworthiness; thus, psychological manipulation such as raising prices before applying a discount is deemed ethically flawed. Accountable platform governance and the strengthening of consumer digital literacy are required. Novelty: This study lies in a shift in the focus of academic analysis from a previous tendency to treat price solely as a static economic variable influencing purchasing decisions to an analysis of socio-technological processes. This study examines how digital prices are constructed as the result of complex negotiations mediated by socio-economic technologies (algorithms and platform interface design) and are empirically evaluated using the substantive principles of Islamic mua'malah ethics.
The Impact of Online Loan Traps (P2P Lending Fintech) on Divorce Rates: A Maqashid al-Sharia Approach to Protecting Family Economic Resilience Muhammad Syakir Al Kautsar; Nurul Mahmudah; Muhammad Rifqi Hidayat
Journal of Islamic Digital Economic and Finance Vol. 2 No. 01 (2026): 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.v2i01.585

Abstract

Objective: This study aims to analyze the relationship between online loan debt, household economic stress, and vulnerability to divorce from the perspective of maqashid syariah. It seeks to explain how the rapid expansion of digital lending services influences family economic resilience and social well-being within the framework of Islamic economics. Method: This study employs a descriptive qualitative approach based on a literature review using content analysis. Data were sourced from regulations, national statistical reports, academic articles, fatwas, and court rulings published online. The analysis was conducted by identifying patterns of argumentation, empirical trends, and conceptual relationships between the development of P2P lending fintech, family economic dynamics, and economic factors contributing to divorce. Relevant literature was further examined through the lens of contemporary maqashid syariah to understand the broader social implications of digital financial practices. Results: The study indicates that ease of access, fast disbursement processes, and low administrative barriers encourage repeated use of digital loans, particularly among households with unstable incomes and limited financial literacy. This pattern has the potential to trigger debt accumulation, financial pressure, psychological stress, a decline in the quality of communication between partners, and an increase in domestic conflict, all of which are associated with heightened vulnerability to divorce. The findings also suggest that excessive dependence on online borrowing may weaken household financial sustainability and undermine long-term family stability. Implication: This study underscores the importance of consumer protection policies that not only focus on cost transparency and data security but also include assessments of repayment capacity, strengthened financial literacy, responsible lending practices, and measures to safeguard family economic resilience. Novelty: This study integrates P2P lending fintech research with studies on family resilience through the lens of Jasser Auda’s contemporary maqashid syariah systems perspective. This study expands the discourse on Islamic economics by positioning the protection of wealth (hifz al-mal) and the protection of family/progeny (hifz al-nasl) as a unified systemic framework for assessing the impact of digital financial innovations.

Page 2 of 2 | Total Record : 15

 1   2 

Filter by Year

2025 2026


Reset
Filter By Issues
All Issue Vol. 2 No. 01 (2026): Journal of Islamic Digital Economic and Finance (JIDEF) Vol. 1 No. 02 (2025): Journal of Islamic Digital Economic and Finance (JIDEF) Vol. 1 No. 01 (2025): Journal of Islamic Digital Economic and Finance (JIDEF)