Vol. 9 No. 1 (2026): Al-Musthofa: Journal of Sharia Economics

The Role Of Government In Promoting The Growth Of The Halal Logistics Industry: A Systematic Literature Review From The Perspective Of Islamic Development Economics. This study examines the strategic role of government in the development of halal logistics through a Systematic Literature Review (SLR) of studies published between 2021 and 2025, applying PRISMA-based selection criteria to ensure the reliability and comprehensiveness of the review. The findings reveal a significant gap between the conceptual frameworks advocating government involvement in halal logistics and the fragmented, often underdeveloped, real-world policy implementation. Although literature widely acknowledges the importance of state intervention through regulation, infrastructure, education, and financing, actual practices in many Muslim-majority countries remain uncoordinated and inconsistent. This study integrates developmental state theory with Islamic economic principles and proposes a halal logistics policy framework aligned with national development strategies. Strengthening halal logistics governance requires coordinated government action, positioning it as a strategic instrument for inclusive and ethical Islamic economic transformation.

Tujuan dari penelitian ini adalah untuk mengkaji implikasi etis dan ekonomi dari short selling dari sudut pandang Maqasid Shariah, serta untuk menyelidiki bagaimana praktik ini bertentangan dengan prinsip-prinsip Islam tentang keadilan dan stabilitas pasar Short selling dalam pasar keuangan modern menimbulkan banyak kontroversi dari perspektif hukum Islam, khususnya mengenai prinsip maqashid syariah. Literatur menunjukkan bahwa short selling mengandung elemen riba, gharar, dan maisir, yang dilarang dalam Islam. Fakta lapangan mengindikasikan praktik ini dapat menyebabkan volatilitas pasar dan ketidakadilan ekonomi. Penelitian ini menggunakan studi literatur kualitatif, mengkaji kitab klasik dan sumber kontemporer. Pertanyaan penelitian utama adalah bagaimana elemen-elemen short selling bertentangan dengan maqashid syariah dan apa implikasi etis dan ekonominya. Temuan menunjukkan bahwa short selling melanggar prinsip keadilan dan stabilitas pasar dalam Islam, memerlukan regulasi ketat untuk memastikan kepatuhan syariah.

The development of digital technology has brought major changes to the banking industry, including sharia banking in Indonesia. Bank Syariah Indonesia (BSI) as the largest sharia financial institution in Indonesia is required to continue to innovate digital products to increase competitiveness amidst increasingly fierce competition in the financial industry. This research aims to analyze digital product innovation implemented by Bank Syariah Indonesia and its impact on increasing the company's competitiveness. The research method used is a literature study by reviewing various scientific literature, journals, books and reports related to the digitalization of sharia banking. The research results show that digital innovations such as sharia mobile banking, online account opening, QRIS, digital payment services, and halal ecosystem integration are able to increase service efficiency, customer satisfaction, and expand BSI's market share. Apart from that, digital transformation also strengthens BSI's competitive position in facing the development of fintech and digital-based conventional banks. Thus, digital product innovation is an important strategy in increasing the competitiveness and sustainability of Bank Syariah Indonesia

This research aims to analyze the role of digital da'wah communication in enhancing sharia economic literacy among Muslim communities through the integration of Islamic values and digital media strategies. (2) Using a qualitative method with a digital communication ethnography approach, the study was conducted through observation of da'wah content on ten YouTube and Instagram accounts, as well as in-depth interviews with digital preachers, Islamic finance practitioners, and millennial Muslim audiences. (3) The findings reveal that digital da'wah communication not only conveys sharia economic information but also instills spiritual and moral values in economic behavior. Three main dimensions were identified: religious-normative (trust and justice values), educative-informative (understanding of sharia finance), and symbolic-interactive (use of visual media and religious narratives). This research produces a conceptual model, the Digital Islamic Da'wah Literacy Framework, which illustrates the contribution of digital da'wah in strengthening a sustainable and just Islamic economic ecosystem.

The purpose of this study is to analyze the influence of Sharia Financial Literacy and Trust on Gen Z's Decision to Save in Sharia Banks. This study is a quantitative study using primary data. The population of this study is Generation Z in Surabaya who already have income or are working. The sampling technique used is purposive sampling, and 125 respondents who meet the criteria were obtained as research samples. Data was collected using a survey method through the distribution of questionnaires via g-form. This study used a Likert scale to measure variables. The data analysis techniques used were descriptive analysis and inferential analysis with the help of the Partial Least Square (PLS) program. The results showed that Islamic financial literacy and trust had a significant and positive effect on the decision to save in Islamic banks.

This study aims to determine the implementation of excellent service to increase customer satisfaction based on a sharia marketing perspective at Sunan Drajat Department Store, Lasem Branch. The research focuses on the implementation of excellent service, the implementation of sharia marketing values, and their impact on customer satisfaction. This study uses a qualitative approach with field research methods to obtain in-depth data. Data were obtained through interviews, observations, and documentation of managers, employees, and customers. The results show that excellent service is implemented through fast, accurate, friendly service, and a comfortable environment. Sharia marketing values ​​are also implemented through honesty, trustworthiness, fairness, good communication, and the provision of halal products. These implementations have a positive impact on customer satisfaction because customers feel comfortable, trustworthy, and satisfied when shopping.

This study aims to analyze the management of non-academic revenue sources in State Islamic Higher Education Institutions with Public Service Agency status (PTKIN BLU), identify the challenges and opportunities for their development, and formulate a sustainable revenue innovation model. This research employed a qualitative approach using field research methods through in-depth interviews, observations, and documentation studies. The objectives of this study are to analyze the management and exploration of non-academic revenue sources in PTKIN BLU, identify challenges and opportunities in optimizing non-academic revenue sources, and identify innovation models that can be developed to sustainably increase non-academic revenue in PTKIN BLU.

The findings indicate that the management of non-academic revenue has evolved toward a more professional and adaptive governance system, although it still faces institutional, human resource, and financial digitalization challenges. This study proposes the Integration and Accountability Model (I²A), which consists of structural innovation through strengthening business unit governance, collaborative innovation through strategic partnerships with industries and Islamic financial institutions, and sustainable innovation oriented toward economic, social, and spiritual sustainability to support the financial independence of PTKIN BLU based on transparency and Islamic values.

This study investigates the applicability of the musyarakah contract in the Balai Ternak Banjarjo Program, which is managed by BAZNAS Pacitan. This is an essential issue since musyarakah is employed in a zakat-based livestock development program, along with Islamic financial institutions. The research employs a qualitative descriptive technique. The data were gathered through interviews, observations, and program documents, and then analyzed by comparing musyarakah practices to Islamic principles. The findings indicate that the musyarakah contract has been usually implemented in accordance with Islamic standards. BAZNAS offers funding, cattle, facilities, and mentorship, while members supply labor, cages, time, and livestock management. However, openness, reporting, administration, and oversight all require improvement. The study concludes that musyarakah may be used in zakat-based livestock empowerment programmes if justice, accountability, and transparency are maintained. The key consequence is that BAZNAS should tighten reporting and oversight in order to improve the program's adherence to Islamic values.

Digital transformation in Islamic educational institutions, especially Islamic boarding schools, has become a strategic issue in the development of Islamic financial inclusion. This study aims to synthesize empirical and conceptual evidence regarding the model, determinants, and impact of digital financial adoption in Islamic boarding schools through the Systematic Literature Review (SLR) approach. Using the PRISMA 2020 guide and the SPIDER framework, 35 articles indexed by Scopus and other reputable journals published between 2010–2025 were analyzed thematically and descriptively. The results of the synthesis show that the digitization of pesantren is not only a process of technological adoption, but also a social, institutional, and spiritual transformation based on the values of maqāṣid al-sharī'ah.

The conceptual model of Pathways to Cashless Ecosystem in Islamic Boarding Schools describes four stages of transformation, namely antecedents (readiness and initial determinants), adoption process (adoption and implementation), integration phase (integration and governance), and outcomes (sustainability and sharia compliance). Factors that determine success include digital infrastructure readiness, student financial literacy, visionary leadership, and strategic partnerships with sharia fintech providers. Financial digitalization in Islamic boarding schools has been proven to improve administrative efficiency, expand financial access, and strengthen transparency in the management of sharia-based social funds.

Theoretically, this research contributes through the integration of technology adoption theories (TAM and UTAUT) with Islamic values and institutional ecosystem perspectives, resulting in a multi-level approach to Islamic financial inclusion. Practically, the results of this SLR are the basis for policy makers, pesantren managers, and sharia fintech providers in designing financial digitalization strategies that are inclusive, sustainable, and in accordance with maqāṣid al-sharī'ah.

This study aims to analyze the factors that influence the amount of amil rights at the National Zakat Agency (BAZNAS) of Makassar City during the 2019–2023 period. This study uses a quantitative approach with multiple linear regression analysis methods. The data used are secondary data from the monthly financial reports of BAZNAS Makassar City. The data analysis techniques used are descriptive statistical analysis, classical assumption tests, multiple linear regression analysis, determination tests (R2), and hypothesis testing using SPSS 23 software. The results of the study indicate that partially, the variables of zakat collection, infaq/alms distribution, and operational costs have a significant positive effect on amil rights. The zakat distribution variable has a significant negative effect on amil rights and the infaq/alms collection variable has no effect on amil rights. While simultaneously, the five variables have a significant effect on amil rights.

The objectives of this study are: 1) to analyze the productive zakat distribution model at LAZNAS Wahdah Inspirasi Zakat, and 2) to analyze the effectiveness of productive zakat distribution in improving the welfare of mustahik (zakat recipients). This study employs a qualitative method with a phenomenological approach. The results indicate that: 1) the productive zakat distribution model at LAZNAS Wahdah Inspirasi Zakat comprises two programs: the micro-enterprise development program and the Gerobak Berkah (Blessed Cart) program. The micro-enterprise development program targets mustahik whose businesses are declining or have folded due to a lack of capital, whereas the Gerobak Berkah program is intended for mustahik who lack adequate business premises. Based on the application of management functions in the distribution process, both programs are operating effectively and clearly, thereby facilitating the growth of the mustahik's businesses. 2) The productive zakat distribution by LAZNAS Wahdah Inspirasi Zakat is considered effective in improving mustahik welfare, based on the effectiveness indicators proposed by Sutrisno. Following the receipt of productive zakat aid, mustahik experienced tangible improvements in their business operations, resulting in increased income.

This study aims to analyze consumer protection in digital application-based gold buying and selling transactions from the perspective of sharia economic law. The rapid advancement of financial technology (fintech) has accelerated the adoption of digital gold trading platforms in Indonesia, making gold investment accessible to a broader segment of the population, including millennials and Generation Z. However, this convenience brings with it complex legal and sharia compliance challenges that have not been adequately addressed by existing regulatory frameworks. Issues such as the absence of physical handover (qabdh haqiqi), ambiguity in the legal status of digital gold balances, potential gharar (uncertainty) and riba al-nasi’ah in deferred transactions, and the lack of transparent akad (contract) information pose significant risks to consumers. This research employs a qualitative method with a normative juridical approach, examining primary legal sources including the Quran, hadith, classical fiqh literature, DSN-MUI fatwas, and applicable positive laws, supplemented by empirical data from documentation analysis and literature review of existing studies on digital gold platforms. The findings reveal three critical gaps: (1) al-tsubut (legal certainty) is undermined by unclear ownership status of digital gold balances; (2) ‘adl (justice) is compromised by unilateral contract clauses and opaque fee structures; and (3) shidq (transparency) is lacking due to insufficient akad disclosure and limited consumer financial literacy. This study recommends regulatory harmonization between OJK, Bappebti, and DSN-MUI, mandatory sharia certification for digital gold platforms, and structured consumer education programs as essential steps toward strengthening sharia-compliant consumer protection in Indonesia’s growing digital gold market.