Maqrizi: Journal of Economics and Islamic Economics

The Role of Sharia Bank Digital Services in Improving Sharia Financial Literacy (A Literature Review)

Trimulato Trimulato, Asyraf Mustamin — Wed, 31 Dec 2025 00:00:00 +0000

Digital transformation in the financial sector has brought significant changes to the way people access banking services, including in the context of Islamic banks. However, the acceleration of digitalization has not been fully balanced with the increasing Islamic financial literacy of the people. This study aims to evaluate and map the relationship between Islamic bank digital services and increasing Islamic financial literacy. This study employs the Systematic Literature Review (SLR) approach, incorporating a bibliometric method. This type of research is qualitative, with secondary data obtained from 105 scientific articles indexed by Google Scholar during the period 2018–2024. The data collection technique was carried out through the Publish or Perish (PoP) application, while the analysis was carried out using the VOSviewer software to map the network of keywords, research trends, and author collaboration. The results show a significant increase in the number of publications since 2021, with the main focus on the integration of digital services and Islamic financial literacy. Keywords such as "literacy," "Islamic banks," and "digital services" emerged as dominant thematic centers. Even so, collaboration between researchers is still limited and tends to be fragmented. The policy implications of these findings encourage the need to strengthen synergy between Islamic financial institutions, the government, and academics in designing digital services that also function as educational instruments. Thus, the development of digital technology in Islamic banking is not only a tool for transaction efficiency, but also a strategy to strengthen the foundation of Islamic financial literacy sustainably. The limitations of this study are in the period of research data presented, so that more can be made.

Internal and External Drivers of Ijon Transactions in Clove Farming: Evidence From Kotabunan Village, East Bolaang Mongondow

M.Alfa Riski Mokobombang, Frandy Efraim Fritz Karundeng — Sat, 17 Jan 2026 00:00:00 +0000

This study aims to analyze the internal and external factors behind the practice of buying and selling transactions of the ijon system in clove farmers in Kotabunan Village, East Bolaang Mongondow Regency. The research uses a qualitative approach with a field descriptive method. Data was collected through direct observation, structured interviews with farmers, permit buyers, and village officials, as well as supporting documentation. Data analysis is carried out through the stages of data reduction, data presentation, and conclusion. The results of the study show that the buying and selling practice of the permit system is influenced by two main groups of factors. Internal factors include the urgent need to meet basic needs, farmers' dependence on permit buyers, the desire to make quick profits, and low Islamic financial literacy. Meanwhile, external factors include hereditary transaction culture, the influence of reference groups such as middlemen and fellow farmers, and uncertainty about clove prices in the market. The ijon system was chosen as a strategy to survive price fluctuations and the risk of harvest costs, even though in fiqh muamalah, it contains elements of gharar due to the uncertainty of the transaction object. This study concludes that Ijon practices are not solely driven by individual economic motives, but also by strengthened social and cultural structures at the community level. Therefore, this study recommends strengthening Islamic financial literacy, providing alternative access to capital, and community-based institutional interventions to reduce farmers' dependence on the ijon system and improve rural economic justice.

Implementation of Islamic Business Ethics in Brown Sugar Production Chain in West Otam Village, North Sulawesi

Wed, 31 Dec 2025 00:00:00 +0000

This study aims to analyze the implementation of Islamic business ethics principles in the production practices and transactions of buying and selling brown sugar in West Otam Village and its implications on the sustainability of producers' income. The research uses a qualitative method with a field study approach. Data were collected through participatory observation, semistructured interviews with producers, collectors, and consumers, and documentation, then analyzed using Miles and Huberman's interactive model with source triangulation techniques and techniques. The results of the study show that the economic practices of the people of West Otam Village have substantively reflected the main values of Islamic business ethics, especially honesty (shiddiq), mutual willingness (an-tarāḍin), and responsibility (mas'uliyah), even though the business actors do not understand these concepts formally. The heavy inconsistency of the product due to the use of traditional molds does not give rise to the element of gharar in a substantive way because it is mitigated through information disclosure and agreement between the manufacturer and the buyer. The quality integrity of products without chemical mixtures is proven to build consumer trust and loyalty, which contributes to the stability of producers' income. However, the study also found that some small producers have some bargaining position against collectors, indicating that distributive justice is not optimal. This study concludes that Islamic business ethics not only function as a normative guideline, but also as a rational economic strategy in supporting the sustainability of rural micro business income. Therefore, this study recommends strengthening sharia-based local economic institutions as well as simple standardization of production tools to improve the justice and economic sustainability of the community.

The Sustainability of Livestock Gaduh System in Islamic Economics: The Role of Social Capital, Mudharabah, and Circular Economy

Rikidwi Erdianto, Nur Fitry Latief, Sri Sunarni Sonu — Wed, 31 Dec 2025 00:00:00 +0000

Traditional economic systems, such as livestock farming in rural areas, are generally studied normatively in the perspective of Islamic law, thus underemphasizing their empirical dynamics as an instrument of adaptive economic resilience. This study aims to analyze the fundamental factors of the sustainability of the Gaduh system in Sidodadi Village, North Bolaang Mongondow Regency, as well as its contribution to increasing income and environmental sustainability. The research uses a qualitative method with a field descriptive approach. Data were collected through in-depth observation and interviews of purposively selected key informants based on their experience and active involvement in the disputed contract. The data is then analyzed through the stages of reduction, display, and conclusion. The results show that the sustainability of the intergenerational Gaduh system does not depend on the strength of formal contracts, but is supported by strong social capital, especially trust and personal reputation, which serves as a substitute for formal collateral. Substantively, Gaduh practices are in line with the principle of mudharabah, where the risk of material losses due to natural factors is borne by the capital owner (shahibul maal), while the manager (mudharib) bears the risk of energy and time. From an economic perspective, the Gaduh system acts as a social safety net that provides a strategic lump-sum income to finance the long-term needs of households. Another important finding is the formation of a local circular economy ecosystem through the use of livestock waste as organic fertilizer, which reduces agricultural production costs and supports the principle of environmental conservation (hifz al-bi'ah). This study recommends the integration of the Gaduh system in village economic empowerment policies through managerial assistance and risk mitigation without eliminating local wisdom.

Sustaining the Local Economy Through Islamic Production Management: A Case Study of The Kopi Mojago Home Industry in North Sulawesi

Wed, 31 Dec 2025 00:00:00 +0000

This study aims to analyze in depth the implementation of production management based on Islamic values in the Mojago Coffee home industry located in Bilalang 1 Village, Kotamobagu City, North Sulawesi. This study is crucial to fill the gap in the academic literature on how Sharia principles are practically internalized in micro business operations to support sustainable local economic resilience. This study uses a descriptive qualitative method with a field research approach. Empirical data collection was carried out through triangulation techniques, which included participant observations on the production flow, in-depth interviews with business owners and workers, and documentation studies. The results of the study show that Kopi Mojago applies unique operational management practices that are driven by religious consciousness (God-consciousness) and not just material profits. First, in the Planning function, the main priority is placed on the concept of Halalan Thayyiban through the strict selection of raw materials as well as seasonal inventory management strategies to mitigate the risk of uncertainty (gharar) and avoid waste (israf). Second, in Organization, a harmonious work structure based on Ukhuwah (brotherhood) is applied, where the wage system strictly adheres to the principle of Justice ('Adl) according to the workload and punctuality of payment. Third, the Direction function applies a prophetic leadership style that frames work activities as a manifestation of worship (jihad iqtishadi) and an example of leadership. Fourth, Supervision rests on the concept of Muraqabah (feeling supervised by Allah) as an internal self-control mechanism that is effective in preventing fraud (tadlis) and ensuring product quality. In addition, halal certification is a strategic instrument to build market trust. This study recommends that local governments provide technological assistance for the standardization of roasting machines and subsidize halal certification costs to empower the local creative economy.

Islamic Financial Literacy and Behavioral Gaps in A Rural Agrarian Community

He Wa Ode Herlista, Syarifuddin Syarifuddin, Lilly Anggrayni — Wed, 31 Dec 2025 00:00:00 +0000

This study aims to comprehensively analyze the level of Islamic financial literacy in the agrarian community in Modayag II Village, East Bolaang Mongondow Regency, to fill the literacy data gap in rural areas of Eastern Indonesia. Adopting a qualitative approach with a case study method through in-depth interview techniques, this study reveals that the dominant community literacy profile is in the Sufficient-Literate category. Field findings show that cognitively and affectively, people have a solid fundamental understanding of the prohibition of usury and have a very positive attitude and religious belief towards the blessings of the Islamic economic system, which is reflected in compliance with paying zakat. However, a significant gap was identified between spiritual intentions and actual economic behavior, where dependence on conventional banking and informal lending was still high due to pragmatism. Through the analysis of the Theory of Planned Behavior (TPB), this study found that the main obstacle is not in the aspect of value or subjective norms, but in the weak behavior control (Perceived Behavioral Control) caused by the deficit in the accessibility of Sharia service infrastructure in rural areas. This study concludes that literacy improvement strategies must shift from normative education to structural interventions in providing physical and digital access, as well as formalizing local social capital to transform literacy awareness into real, sustainable, and economic inclusion of the people.