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Adam Mudinillah
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adammudinillah@staialhikmahpariangan.ac.id
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Jorong Kubang Kaciak Dusun Kubang Kaciak, Kelurahan Balai Tangah, Kecamatan Lintau Buo Utara, Kabupaten Tanah Datar, Provinsi Sumatera Barat, Kodepos 27293
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INDONESIA
Sharia Oikonomia Law Journal
Published by Yayasan Adra Karima Hubbi
ISSN : 29885191     EISSN : 29885205     DOI : 10.70177/solj
Core Subject :
The Sharia Oikonomia Law Journal explores various aspects of Sharia economic law and the evolving economic challenges. Its primary focus includes the impact of digital transformation on Islamic finance, such as fintech and blockchain, as well as the role of Sharia financial instruments (zakat, waqf, sukuk) in achieving sustainable development goals. The journal also addresses the harmonization of Sharia economic law with national legal systems, Islamic business ethics, and social finance in promoting economic inclusion. Furthermore, it examines the application of Sharia economic systems in emerging markets and the role of Sharia finance in crisis management. With an interdisciplinary perspective, Sharia Oikonomia Law Journal aims to be a leading reference for academics, practitioners, and policymakers in the field of Sharia economic law.
Arjuna Subject : -
Articles 2 Documents
 1 
Search results for , issue "vol. 4 no. 4 (2026)" : 2 Documents clear
THE INFLUENCE OF ISLAMIC ECONOMIC EDUCATION ON SHARIA FINANCIAL LITERACY AMONG MILLENNIALS Kurniati Karim; Nadiah Ismail; Khalid Mahmud
Sharia Oikonomia Law Journal Vol. 4 No. 4 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v4i4.4336

Abstract

Millennials increasingly use digital financial services, yet technological familiarity does not always ensure adequate understanding of Sharia principles, contractual structures, or financial risks. This study aimed to examine the influence of Islamic economic education on Sharia financial literacy and to identify the mediating roles of financial self-efficacy and Sharia financial attitudes. An explanatory sequential mixed-methods design was employed, combining survey data from 472 Muslim millennials, structural equation modeling, objective literacy testing, and interviews with 36 participants representing different literacy levels. The results showed that Islamic economic education significantly influenced Sharia financial literacy directly and indirectly through financial self-efficacy and Sharia financial attitudes. Practical application, case-based learning, contract analysis, and product comparison produced stronger outcomes than theoretical exposure alone. Formal academic education generated the highest conceptual scores, while professional training demonstrated stronger effects on product evaluation and financial behavior. Sharia financial literacy also significantly predicted Sharia-compliant financial behavior, although access to suitable products and digital information quality affected the consistency of application. The study concludes that effective Islamic economic education should integrate religious principles, financial calculation, contractual analysis, digital competence, and realistic decision-making practice to strengthen informed, ethical, and responsible financial behavior among millennials in increasingly complex financial markets and environments.
THE ROLE OF SHARIA FINANCIAL INSTITUTIONS IN SUPPORTING MSME EMPOWERMENT THROUGH WAQF FINANCING SCHEMES Ikhyanuddin Ikhyanuddin; Sara Al Dhaheri; Khaled Al Mansoori
Sharia Oikonomia Law Journal Vol. 4 No. 4 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v4i4.4348

Abstract

Micro, small, and medium enterprises often face limited access to affordable capital, managerial assistance, and sustainable market opportunities, creating a need for inclusive financing models grounded in Islamic social finance. This study aimed to examine the role of Sharia financial institutions in empowering MSMEs through productive waqf financing schemes and to assess the mediating effects of financing effectiveness and business-development support. An explanatory sequential mixed-methods design combined survey data from 360 MSMEs and 72 institutional respondents with structural equation modeling, document analysis, interviews, observations, and comparative case studies. Results showed that institutional support significantly influenced MSME empowerment directly and indirectly through financing effectiveness and sustained business assistance. Mentoring, monitoring, market facilitation, digital support, and Sharia governance produced stronger effects than financing amount alone. Beneficiary enterprises experienced improvements in revenue, productive assets, employment, financial recordkeeping, digital sales, market reach, and business continuity. Strong governance enhanced transparency, repayment discipline, beneficiary trust, and preservation of waqf assets. The study concludes that productive waqf generates sustainable MSME empowerment when Sharia financial institutions integrate affordable financing with professional mentoring, accountable governance, risk management, digital transformation, and market access within a coordinated institutional ecosystem that preserves endowed capital while expanding long-term socioeconomic benefits for vulnerable communities.

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