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Journal of Integrative Sustainability and Ethics
Published by Universitas Islam Negeri Sunan Ampel
ISSN : -     EISSN : 31634958     DOI : https://doi.org/10.15642/jibec
Core Subject :
Journal of Integrative Sustainability and Ethics (JIBEC) is an academic journal that focuses on publishing both field research and literature studies exploring issues of sustainable economics through the lens of Islamic ethics and values. The journal aims to serve as a scholarly platform that integrates modern sustainability principles with the framework of maqāṣid al-sharī‘ah—the preservation of religion (ḥifẓ al-dīn), life (ḥifẓ al-nafs), intellect (ḥifẓ al-‘aql), lineage (ḥifẓ al-nasl), and wealth (ḥifẓ al-māl). Thus, JIBEC highlights not only the material and ecological dimensions of economics but also emphasizes moral, spiritual, and social foundations as essential components of sustainability. The journal’s focus includes both theoretical and empirical studies related to Islamic economic ethics, maqāṣid-based sustainable development, social and green economic innovation, Islamic finance oriented toward universal welfare (rahmatan lil ‘ālamīn), and public policies that balance economic growth with the preservation of human values. JIBEC encourages interdisciplinary contributions that integrate approaches from economics, fiqh mu‘āmalah, Islamic ethics, and development sociology to construct a new, inclusive, and justice-oriented paradigm of sustainable economics.
Arjuna Subject : -
Articles 13 Documents
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Integration of Biometric Technology in the Islamic Banking System: Maqāṣid Sharia Analysis and Contemporary Fatwa Fuad, Yahya Fuad; Rohman, Miftakur
Journal of Integrative Sustainability and Ethics Vol. 1 No. 1 (2025): June
Publisher : Master and Doctoral Program in Islamic Economics, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/jibec.2025.1.1.14-24

Abstract

The integration of biometric technology in Islamic banking has become a transformative force in enhancing identity verification, transaction security, and digital service efficiency. This study critically examines the application of biometrics—such as fingerprint, facial, and iris recognition—through the lens of Maqāṣid al-Sharīʿah, emphasizing principles like the protection of property (ḥifẓ al-māl) and life (ḥifẓ al-nafs), while also addressing ethical concerns surrounding privacy (sirr). Utilizing a qualitative, descriptive-analytical approach, the research analyzes official fatwas from recognized Islamic legal bodies (MUI, IIFA, AAOIFI), scholarly literature, and institutional policies to assess the shariah permissibility and ethical implications of biometric use in banking. The findings reveal a broad scholarly consensus that biometric technology is permissible (mubāḥ) when used with informed consent, for legitimate purposes, and under robust data protection standards. The study highlights a pressing need for contemporary fatwas and policy innovations that reflect the rapid evolution of digital technologies while safeguarding individual rights. Its key contribution lies in offering a maqāṣid-based evaluative framework that bridges Islamic legal theory and modern fintech ethics. This research paves the way for future empirical inquiries into user perceptions, regulatory readiness, and the comparative effectiveness of biometric authentication versus other digital tools in Islamic financial ecosystems.
Scholars' Views on the Use of Robo-Advisors in Sharia Investment: A Study of Fatwa and Its Application Nisa', Rifqun; mugiyati, mugiyati
Journal of Integrative Sustainability and Ethics Vol. 1 No. 1 (2025): June
Publisher : Master and Doctoral Program in Islamic Economics, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/jibec.2025.1.1.70-80

Abstract

The rapid advancement of digital technology has transformed the global financial landscape, introducing robo-advisors as a prominent innovation in investment management, including within Islamic finance. However, the adoption of robo-advisors by Muslim investors raises critical questions regarding their compliance with Shariah principles, particularly concerning the avoidance of riba, gharar, and maysir. This study aims to examine the perspectives of Islamic scholars on the use of robo-advisors in Shariah-compliant investments through a qualitative literature review of contemporary fiqh sources, academic journals, and official fatwas. The findings reveal that most scholars cautiously permit the use of robo-advisors, provided that certain conditions are met, such as the validity and transparency of the system, the absence of prohibited elements, and the presence of human oversight in complex decision-making. The regulatory framework in Indonesia, while guided by DSN-MUI and AAOIFI standards, remains in development and requires further adaptation to address the unique challenges posed by robo-advisory technology. This research contributes to the discourse on Islamic financial technology by offering a conceptual framework for the Shariah compliance of robo-advisors and highlighting the need for collaboration between regulators, scholars, and industry practitioners. The results underscore the importance of continuous innovation and regulatory development to ensure that technological advancements in investment management align with Islamic ethical and legal standards.
Mapping the Landscape of Fatwa Research in ESG and Sustainability: A Bibliometric Analysis (2003–2025) Pertiwi, Eka; Nurhayati, Nurhayati
Journal of Integrative Sustainability and Ethics Vol. 1 No. 1 (2025): June
Publisher : Master and Doctoral Program in Islamic Economics, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/jibec.2025.1.1.25-55

Abstract

Despite the increasing relevance of Environmental, Social, and Governance (ESG) frameworks in global finance, the role of Islamic legal instruments, particularly fatwas, in advancing sustainability remains underexplored. This study addresses this gap by conducting a bibliometric analysis of 580 scholarly publications from 2003 to 2025, focusing on fatwas related to ESG and sustainability. Using the Publish or Perish software and VOSviewer for data extraction and visualization, the research identifies key thematic clusters, leading institutions, collaborative networks, and geographic trends within the discourse. Results show four dominant clusters: ESG governance, Islamic financial instruments, green investment, and social sustainability. Malaysia emerges as the central hub for fatwa-based ESG practices, with institutions like IIUM and ISRA playing pivotal roles. However, the findings also highlight critical gaps, including the marginal treatment of social ESG dimensions, limited integration with Sustainable Development Goals (SDGs), regional concentration, and a lack of empirical validation. This study contributes to the fields of Islamic economics and business by framing fatwas not only as religious-legal tools but also as epistemic frameworks that shape ethical governance and sustainability practices. It offers a roadmap for future interdisciplinary research, policy innovation, and institutional development to bridge Islamic ethical principles with global ESG standards and practices.
Analyzing Factors Influence the Adoption of Family Takaful in Malaysia: Theory of Planned Behavior (TPB) Approach Al-Kamal, Abdullah Muhammad; Bin Bahaman, Muhamad Abrar
Journal of Integrative Sustainability and Ethics Vol. 1 No. 1 (2025): June
Publisher : Master and Doctoral Program in Islamic Economics, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/jibec.2025.1.1.56-69

Abstract

Family Takaful is an emerging financial protection tool based on Islamic principles that is gaining traction in Malaysia. However, the level of Family Takaful adoption has not yet reached its full potential, even though public awareness of Islamic finance is on the rise. This study aims to explore the psychological factors that influence individuals' intentions to adopt Family Takaful in Malaysia, utilizing the Theory of Planned Behavior (TPB) framework. The research employs a quantitative approach, using secondary data gathered from a previous study conducted by Muhammad Zuki & Abu Bakar, which included 272 respondents and 32 structured questions. Although the data exists, a thorough analysis has not been previously conducted. As a result, this research is specifically designed to perform an analysis and provide a comprehensive explanation of the findings obtained. Data analysis techniques applied include descriptive statistics and Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results reveal that attitude, subjective norms, and perceived behavioral control significantly impact the intention to adopt Family Takaful. These findings offer theoretical contributions to the development of consumer behavior models in the realm of Islamic finance, alongside practical implications for Takaful providers to enhance their marketing strategies and improve community literacy regarding Family Takaful products.
Contemporary Fatwas on Online Marketplaces in Malaysia: A Shariah-Compliant Response to Digital Transactions Fauziyah, Nur; Muttaqin, Aris Anwaril
Journal of Integrative Sustainability and Ethics Vol. 1 No. 1 (2025): June
Publisher : Master and Doctoral Program in Islamic Economics, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/jibec.2025.1.1.81-95

Abstract

The exponential growth of e-commerce in Malaysia has prompted significant discourse on the integration of Islamic legal principles within digital marketplaces. This study critically examines contemporary fatwas issued by Malaysian religious authorities, including the National Fatwa Council and the Shariah Advisory Council, in response to emerging digital transaction models such as pre-orders, Buy Now Pay Later (BNPL) schemes, and e-wallet usage. Employing a qualitative methodology grounded in document analysis and case studies, the research investigates how classical muamalah principles—particularly the prohibition of riba (usury), gharar (excessive uncertainty), and maisir (gambling), as well as the requirement of taradhin (mutual consent)—are contextualized within modern commercial environments. Findings reveal that these fatwas serve as both doctrinal references and regulatory tools that uphold the ethical integrity of online transactions while addressing critical consumer rights and business responsibilities. This study contributes to the theoretical expansion of Islamic commercial jurisprudence by bridging classical fiqh with digital financial innovation. Its specific contribution lies in constructing a normative-practical framework for Shariah-compliant e-commerce, offering guidance not only for Malaysian stakeholders but also for Muslim-majority and minority contexts globally. The research underscores the importance of harmonizing Shariah standards, enhancing Islamic financial literacy, and institutionalizing halal assurance mechanisms in the digital economy.
Integration of Fatwa in the Governance of Islamic Crowdfunding and Shariah Compliance Disclosure Kamilah, Athia Nur; Ghozali, Muhammad Lathoif
Journal of Integrative Sustainability and Ethics Vol. 1 No. 2 (2025): December
Publisher : Master and Doctoral Program in Islamic Economics, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/jibec.2025.1.2.108-124

Abstract

The rapid growth of Islamic crowdfunding in Indonesia reflects increasing demand for Sharia-compliant financial solutions. However, challenges persist in ensuring compliance with fatwas, governance standards, and transparency in Sharia compliance disclosure, which are critical for investor trust and platform sustainability. This study conducts a Systematic Literature Review following PRISMA guidelines to analyze 15 selected articles from reputable sources (2019–2024). The research explores the integration of fatwas, governance challenges, and disclosure practices in Islamic crowdfunding. Findings reveal that fatwas serve as adaptive frameworks for validating contracts such as mudharabah and musyarakah and operational mechanisms, yet inconsistencies in interpretations among Sharia authorities create regulatory ambiguities. Governance challenges include weak oversight by Sharia Supervisory Boards, misalignment between regulations, and insufficient human resources skilled in both Sharia and fintech. Meanwhile, disclosure practices vary widely, with many platforms failing to provide comprehensive disclosures, undermining investor confidence. However, effective disclosure enhances trust and platform sustainability by aligning operations with Sharia principles. The study highlights the need for harmonized fatwa standards, strengthened governance through technology such as AI for real-time compliance monitoring, and standardized disclosure formats. Innovations like blockchain-based audit trails and predictive analytics could transform disclosure into a proactive tool. By addressing these gaps, Islamic crowdfunding can evolve as a robust, ethical alternative for financing MSMEs, contributing to Indonesia’s Islamic economy.
Utilising Maqāṣid al-Sharīʿah into Cryptocurrency Structure: A Halal and Stable Digital Finance Model Andinarianti, Marrisa; Huda, Bakhrul
Journal of Integrative Sustainability and Ethics Vol. 1 No. 1 (2025): June
Publisher : Master and Doctoral Program in Islamic Economics, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/jibec.2025.1.1.1-13

Abstract

This study introduces a pioneering conceptual framework for designing a halal and stable cryptocurrency system by embedding the higher objectives of Islamic law (Maqāṣid al-Sharīʿah) directly into the structural architecture of digital currencies. Unlike prior works that focus narrowly on Shariah compliance through asset-backing or prohibition of riba, this research holistically integrates five core Maqāṣid principles—protection of faith, life, intellect, wealth, and lineage—across protocol layers. The proposed model rests on three foundational pillars: (1) asset-backing mechanisms to ensure price stability and wealth preservation, (2) dual-layer governance combining Shariah oversight with technical auditing for ethical and security assurance, and (3) embedded social-finance automation to institutionalize public welfare via smart-contract-based zakat and charitable allocations. The study’s novelty lies in its systematic linkage between Islamic legal philosophy and the technical design of blockchain infrastructure—marking a significant advancement in Islamic digital finance theory. Globally, the framework contributes a value-driven model for ethical fintech innovation, offering regulators, developers, and Islamic finance institutions a practical blueprint for creating Maqāṣid-aligned digital assets. However, being conceptual, the framework requires empirical validation. Future research should focus on prototype development, performance benchmarking under real-world conditions, and comparative regulatory analysis across jurisdictions to assess feasibility, adoption, and socio-economic impact.
Shariah Perspectives on Ether (ETH): Analysis of Advisory Opinions from Amanie Advisors and SRB Bahrain Rinaima, Chetrine Alya; Mugiyati, Mugiyati
Journal of Integrative Sustainability and Ethics Vol. 1 No. 2 (2025): December
Publisher : Master and Doctoral Program in Islamic Economics, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/jibec.2025.1.2.139-155

Abstract

The rapid advancement of blockchain technology and the growing adoption of cryptocurrency have triggered significant debates among Islamic scholars regarding their Shariah compliance. One of the most prominent crypto assets is Ether (ETH), the native token of the Ethereum platform, which functions not only as a digital asset but also as a utility token for executing smart contracts and powering decentralized applications (DApps). This study aims to analyze the Shariah perspectives on Ether by analyzing two authoritative fatwas issued by Amanie Advisors and the Shariyah Review Bureau. Using a qualitative, document-based approach, the research investigates how each institution classifies Ether and the conditions under which it is considered permissible. Findings reveal that both Amanie and SRB classify Ether as mal (valuable property) rather than naqd (currency), thereby exempting it from the stringent rulings of bay’ al-sarf. Both institutions assert that Ether is inherently free from riba, gharar, and maysir when used for lawful purposes. However, they emphasize a conditional permissibility framework, where the Shariah status of Ether depends on its actual use cases. This study concludes that Ether can be considered Shariah-compliant within a framework that upholds Islamic ethical values and legal principles, particularly when applied in transparent, benefit-oriented, and non-speculative financial systems. The comparative analysis also highlights the importance of purpose-based evaluation (maqasid shariah) and the need for ongoing ijtihad to navigate the complexities of Islamic digital finance.
Evaluation of Sustainable MSME Empowerment Through the BRILiaN Cart Program: A Maqāṣid al-Sharī‘ah Approach Mufayidah, Salma Nasywa; Huda, Bakhrul
Journal of Integrative Sustainability and Ethics Vol. 1 No. 2 (2025): December
Publisher : Master and Doctoral Program in Islamic Economics, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/jibec.2025.1.2.125-138

Abstract

This study aims to evaluate the sustainable empowerment of MSMEs through the BRILiaN Cart program by YBM BRILiaN SBO Malang, which is funded by zakat distribution. Although previous studies have widely examined MSME empowerment and zakat-based economic programs, there remains a gap in the literature regarding how zakat-funded empowerment initiatives are assessed using the comprehensive dimensions of maqāṣid shari‘ah in a real operational context. This study addresses that gap by analyzing the realization of the BRILiaN Cart program across the five dimensions of maqāṣid shari‘ah—ḥifẓ al-dīn, ḥifẓ al-nafs, ḥifẓ al-‘aql, ḥifẓ al-nasl, and ḥifẓ al-māl. The research employs a qualitative method with a case study approach, using interviews, observations, and documentation involving ten beneficiaries of the program in 2024. The data were analyzed using thematic analysis to identify recurring patterns of empowerment outcomes. The findings indicate that the program positively impacts most beneficiaries, although the benefits are uneven due to varying levels of innovation capacity and digital literacy among mustaḥik. From the maqāṣid shari‘ah perspective, the program reflects principles of spiritual responsibility, economic sustainability, and social welfare. Beyond the local context, this study contributes globally by demonstrating how zakat-based empowerment models can serve as a framework for inclusive and value-driven microenterprise development in Muslim-majority and minority countries. Future research may expand the sample, employ mixed methods, and integrate quantitative measurements to assess program effectiveness more comprehensively.
Assessing MSMEs Financial Literacy For Business Sustainability: A Case Studyof Bantul Regency Al Berto, Muhammad; Samsuri , Andriani
Journal of Integrative Sustainability and Ethics Vol. 1 No. 2 (2025): December
Publisher : Master and Doctoral Program in Islamic Economics, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/jibec.2025.1.2.96-107

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in Indonesia’s economic development, particularly in Bantul Regency, Yogyakarta, which has one of the highest concentrations of MSMEs in the region. Despite their contribution, limited access to formal financing remains a persistent challenge, often linked to low financial literacy. This study assesses the financial literacy of MSME owners in Bantul, examines their financial management practices, and identifies factors influencing financial effectiveness using an explanatory sequential mixed-methods design. In the quantitative stage, survey data were collected from 31 purposively selected grocery-store MSME owners, measuring financial management, saving, and debt literacy. In the qualitative stage, semi-structured interviews explored the reasoning behind the survey responses and provided contextual understanding. Findings show that MSME owners exhibit uneven financial literacy across dimensions: saving and debt literacy appear relatively adequate, while financial management particularly bookkeeping and the separation of personal and business finances remains weak. Many respondents view financial recording as unnecessary due to small business scale and unstable income, indicating that financial knowledge has not yet translated into practical behavior. These results suggest that improving financial literacy requires not only conceptual understanding but also behavioral competence and supportive financial routines. The study enriches localized evidence on MSME financial literacy and highlights the need for practical, behavior-based financial education programs to strengthen financial capability. Enhancing these competencies is crucial for promoting long-term business sustainability, enabling MSMEs to manage risks more effectively, maintain operational stability, and improve their resilience amid economic fluctuations.

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