Proceedings International Conference of Bunga Bangsa
SDGs stands for Sustainable Development Goals, or in Indonesian called Sustainable Development Goals. This is a series of 17 global goals agreed upon by member countries of the United Nations (UN) in 2015 as an agenda to create a better and more sustainable world by 2030. SDGs are a joint action plan involving all countries in the world, including Indonesia, to achieve sustainable development. SDGs aim to create a more just, inclusive, and sustainable world for all people, both now and in the future. Knowledge, technology, and morality are crucial to achieving the Sustainable Development Goals (SDGs). Knowledge and technology are tools for innovation and sustainable solutions, while morality (including digital ethics) ensures the responsible use of these technologies and promotes equality. The combination of these three enables the development of a more knowledgeable, skilled, and ethically aware society capable of addressing global challenges and realizing a sustainable future. The UIBBC International Conference is a forum for scientific work that accommodates the scientific work of all lecturers for publication and international dissemination. Therefore, in-depth research is first conducted on the research results being reviewed. All submitted articles must be based on research, ideas, or other works worthy of publication to improve the scientific quality of lecturers or researchers, both individually and in groups. The third International Conference of Bunga Bangsa Cirebon (Icobba) is a periodic international conference held by Bunga Bangsa Islamic University Cirebon in collaboration with several universities, both domestic and international. The opening speech at Icobba 2025 are as follows: Dr. H. Oman Fathurohman, M.A (Rector Islamic University of Bunga Bangsa Cirebon, Indonesia) Mohammad Ridwan, M.E.Sy (Head of Research and Community Service, Islamic University of Bunga Bangsa Cirebon, Indonesia) The keynote speakers at Icobba 2025 are as follows: Asst. Prof. Dr. Ruslee Nuh from Associate Dean for Strategy and Social Engagement Faculty of Islamic Science Prince of Songkla University Thailand Mowafg Masuwd, Ph.D from University of Zawia, Libya Dr. Moses Adeleke Adeoye, M.Ed. from Al Hikmah University Ilorin, Nigeria Prof. Madya Dr. Hj. Betania Kartika Muflih, M.A from International Islamic University Malaysia (IIUM), Malaysia Dr. Muhammadun, M.S.I from Islamic University of Bunga Bangsa Cirebon, Indonesia Dr. Agus Dian Alirahman, M.Pd.I from Islamic University of Bunga Bangsa Cirebon, Indonesia Dr. Eman Sulaeman, M.Ag from Islamic University of Bunga Bangsa Cirebon, Indonesia The theme of the UIBBC International Seminar is "Knowledge, Technology, and Morality for the Sustainable Development Goals (SDGs). Through this theme, the focus and scope of the International Seminar are: Keislaman, Ilmu Pendidikan dan Manajemen (Islamic, Education Theory and Management) Pendidikan Anak Usia Dini dan Pendidikan Dasar dan Menengah (Child and family education, primary, secondary, and higher education) Psikologi dan Bimbingan Konseling (Psychology and counseling guidance) Ekonomi, Inovasi dan Bisnis Digital (Economics, Innovation, and Digital Business) Keuangan dan Akuntansi (Finance and Accounting) Teknologi Informasi dan E-Learning (Technology Information and E-Learning) Sosial dan Komunikasi (Social and Communication) Inovasi Dakwah Era Digital (Daa’wa Innovation Digital Era) Ilmu Pemerintahan dan Hukum (Governmant and Law) TIME SCHEDULE ICOBBA No Activity Time Ket 1 Informasi Call for Papper ICOBBA 17 Agustus s.d 25 Oktober 2025 2 Abstract Submission 9 September s.d 15 Oktober 2025 3 Article Submission 15 s.d 25 Oktober 2025 4 Review Article 25 s.d 30 Oktober 2025 5 International Conference 30 Oktober 2025
LPPM Universitas Islam Bunga Bangsa Cirebon
Training Children's Ability To Express Feelings Through Free-Drawing In Children Aged 4-5 Years
The ability of children to express feelings through free drawing at the age of 4-5 years at Ahsin Sakho Qur’anic School Playgroup & Kindergarten Kebon Pring Arjawinangun Cirebon in the 2024-2025 academic year, the material in the research is based on the inability of the participants to express their feelings, so that it is necessary to provide stimulus to train children’s ability to express feelings, namely through free drawing activities, so that students will be able to express their thoughts, know what they want, be able to be open with the experiences they have, even students will understand about themselves and understand what they want,this research is a type of classroom action research, data collection teachiques used are observation, interviews, field notes or documentation,the results of the study show that after this research,students ability to express feelings has increased from 20% before action, gradually increasing in the first cycle to 60% and cycle II TO 82%.
Digital Financial Literacy of Students of State Madrasah Aliyah 4, Cirebon Regency In The Cashless Society Era
The purpose of this study is to ascertain the degree of digital financial literacy among MAN 4 Cirebon students in the age of cashless society and to pinpoint the variables that affect it. Descriptive quantitative research is being conducted using a Google Form survey method. There were 172 students who responded, representing a range of majors and classes. According to the findings, 40.7% of students use digital wallet apps like DANA, OVO, and GoPay, while 93.0% of students do not have a personal bank account. With an average score of 3.48 on a 5 point scale, pupils' digital financial literacy is categorized as moderate to good. The habit of carrying digital currency (score 2.55) is still poor, but awareness of security and the dangers of digital fraud is the most prevalent factor (scoring 4.11). The most common uses of e-wallets are for game top-ups (28.5%) and online shopping (44.8%). These findings suggest that in order to develop a generation of financially aware and secure online shoppers, schools must implement digital financial education and mentoring programs
Managing Islamic Religious Education Learning Media to Strengthen Student Character in the Digital Era
This study aims to identify a conceptual pattern of learning media management that Islamic Religious Education teachers (PAI) can implement to strengthen students' character in the digital era. This study is based on literature, using documentation techniques to extract data, especially from printed and online literature. Data analysis uses three main steps: establishing rationale or conceptual relationships to explain how data relates to objectives, planning sampling, and formulating category coding. The results show that the learning media management pattern uses several steps: observing the learning outcomes that will be achieved according to the class being taught, considering the material that will be trained and the learning methods that will be used, considering the developmental stages of the students who will be taught, mapping the character values that will be strengthened in the learning process, as well as the various learning media that may be used. This step is then followed by developing the selected learning media, while simultaneously evaluating the media that has been used and its relationship to achieving character strengthening in students. This pattern can be an alternative for teachers in managing learning media while strengthening students' character in the digital era
The Relationship Between Altruism and Emotional Intelligence and Job Satisfaction of High School/Vocational High School Teachers in Plumbon District, Cirebon Regency
The research was conducted based on the phenomenon that occurred in high schools/vocational schools in Plumbon District, there were teachers who left school to move to more promising jobs, moved to schools with better compensation, especially schools that met international quality standards and teachers who were accepted as P3K chose schools that close to domicile. There are teachers who teach not according to their area of expertise, such as mathematics teachers teaching Sundanese, because the same teaching and learning hours are already filled by PNS and P3K teachers. The aim of the research is to determine how the significance of altruism (itsar) is related to job satisfaction, how the significance of emotional intelligence is related to job satisfaction and how the significance of altruism and emotional intelligence is related to the job satisfaction of high school/vocational school teachers in Plumbon District. This type of research uses correlational quantitative descriptive. The research population was 153 teachers, a sample of 109 was taken based on the Kreij Morgan table. The sample technique uses random sampling. The data collection method is in the form of a psychological scale and scores on a specific Likert scale ranging from 1-5. The data analysis technique is in the form of descriptive statistics and multiple correlations with the help of SPSS version 27. The results and conclusions of this research show a Pearson correlation value of 0.473, explaining the existence of a positive and significant relationship between altruism (itsar) and job satisfaction. The Pearson correlation value was 0.420, indicating intelligence. Emotionality has a positive and significant influence on job satisfaction, and simultaneously altruism and emotional intelligence are significantly related to job satisfaction with a Pearson correlation value of 0.416. Although the influence of both is moderate, this combination creates a more harmonious and supportive work environment, which contributes to increased job satisfaction
Family Counseling Model Muslim Families Case Emphasis Digital Context
Family is the first element of life in the community. Family counseling plays a role in providing assistance services to the community in dealing with problems in family life. This study aims to analyze the integration of family counseling based on Islamic Family Law in an effort to improve the harmony of household life. Family harmony is an important aspect in building healthy, sustainable relationships, and is based on religious values. Family counseling combined with the principles of Islamic Family Law is believed to be able to provide preventive, curative, and educational guidance in resolving family problems. The research method used is a descriptive qualitative approach with a case study design on counseling and a literature study based on Islamic law, which examines literature related to family counseling, Islamic family law, and its relevance to improving the quality of relationships within the family. The results of the study indicate that the integration of family counseling with Islamic legal values, such as deliberation, justice, responsibility, and compassion, contributes significantly to the creation of harmony. Thus, the integrative counseling model not only functions as a solution to conflict resolution, but also as an effort to strengthen religious character and emotional stability in creating harmonious family relationships
Integrating Islamic Moral Values with the Utilization of Digital Technology as an Effort to Realize a Sustainable and Just Economic System in the Era of Achieving the Sustainable Development Goals (SDGs)
This study aims to analyze the integration of Islamic moral values with the use of digital technology in building a sustainable and equitable economic system in the era of achieving the Sustainable Development Goals (SDGs). The focus of this research is the application of the principles of ṣidq (honesty), ‘adl (justice), and amanah (responsibility) in digital economic practices. The study uses a qualitative approach with a library study and content analysis of scientific literature, official agency reports, and policy documents published in the 2020–2025 period. The novelty of this study lies in its integrative approach that positions Islamic moral values as an ethical foundation in the development of a digital economy that aligns with the sustainable development agenda. The results show that the application of Islamic ethics in economic digitalization can increase transparency, accountability, and public trust, particularly in Islamic financial institutions and the management of digital philanthropic instruments. The implications of this study provide a conceptual contribution to the development of technology-based Islamic economic studies and serve as a practical reference for the formulation of equitable and sustainable digital economic policies. The limitations of this study lie in the use of secondary data, so further empirical research is needed to strengthen the findings
The Influence of Informal Islamic Education on the Emotional Regulation of Children with Tuberculosis in Cirebon Regency
This study aims to analyze the effect of informal Islamic education on emotional regulation among children with tuberculosis in Cirebon Regency. The research population consisted of 105 children diagnosed with TB who were engaged in informal Islamic education, and the total population was taken as the research sample. A quantitative approach with a correlational design was applied. Research instruments included a questionnaire measuring informal Islamic education contributions and the Pediatric Symptom Checklist (PSC-17) to assess children’s emotional regulation. Data were analyzed using simple linear regression and correlation analysis using the Pearson Product Moment Test which showed r = 0,67 (p < 0,01). This value indicates a strong and significant positive relationship between the contribution of informal Islamic education and children’s emotional regulation. The results revealed that informal Islamic education had a positive and significant effect on children’s emotional regulation. The findings indicate that participation in informal Islamic education enhances children’s ability to manage emotions, reduces negative emotional symptoms, and strengthens psychological resilience. This study highlights the importance of integrating informal Islamic education as a non-medical supportive strategy to improve the quality of life of children with tuberculosis
Management of Guidance and Counseling Programs Based on Islamic Values in Madrasah Tsanawiyah Binjai City
The management of Guidance and Counseling (GC) programs in madrasahs plays a crucial role in developing students’ holistic character. However, in practice, many institutions still face challenges in systematically integrating Islamic values into every stage of program management. This study aims to describe and analyze the implementation of Islamic value-based GC management in Madrasah Tsanawiyah (MTs) in Binjai City. Using a qualitative case study approach, the research was conducted in three schools: MTsN 1 Binjai, MTsS Al Washliyah 47 Binjai, and MTs Al-Ishlahiyah Binjai. Data were collected through in-depth interviews, observations, and documentation, and analyzed using the Miles, Huberman, and Saldaña interactive model. The findings reveal that while Islamic-based GC management has been implemented, its application remains inconsistent across institutions. The planning stage tends to be administratively oriented, while the implementation stage demonstrates partial integration of Islamic values such as trustworthiness (amanah), responsibility, and honesty through Islamic counseling and spiritual development activities. Evaluation processes, however, are largely unstructured and lack instruments aligned with Islamic moral indicators. The study concludes that strengthening the professional competence of GC teachers, enhancing institutional collaboration, and developing a systematic Islamic-based GC management model are essential to achieving balance among students’ intellectual, emotional, and spiritual intelligence
Love-Based Curriculum In Early Childhood Education: A Philosophical Literature Review From The Ministry Of Religious Affairs
The Love-Based Curriculum (KBC) launched by the Ministry of Religious Affairs of the Republic of Indonesia in 2025 represents a paradigm shift in education towards a humanistic and spiritual approach, particularly in early childhood education (PAUD). This study aims to analyze the philosophical basis and conceptual framework of KBC in the context of PAUD. The research method used a literature review with content analysis of Ministry of Religious Affairs policy documents, Islamic education literature, and humanistic education theory. The results of the study show that KBC is built on three main foundations, namely: (1) rahmah ilahiyyah as the theological basis of education, (2) empathetic pedagogical relationships between teachers and children as the core of learning, and (3) the holistic integration of cognitive, affective, and spiritual dimensions. These findings confirm that the CBC functions not only as a pedagogical approach but also as an ethical-spiritual framework that reorients the goals of education, the role of teachers, and the learning climate in early childhood education. Thus, the Love-Based Curriculum has the potential to become a conceptual model for humanistic, religious, and transformative early childhood education
Finger Painting Activities to Improve the Artistic Development of Children Aged 5-6 Years
Artistic development is crucial for training children to think freely and process knowledge through creativity, which they can use to create valuable works of art. Finger painting is used as a method or tool to help children express their artistic development. Through finger painting, children are able to develop their artistic development. The research method used was classroom action research, where the researchers conducted the study in two cycles. The implementation included planning, implementation, observation, and reflection. Observations indicated that research related to artistic development can be significantly improved through finger painting. In the pre-cycle, the average achievement of children was 56% (in the "Sufficient" category). After implementing the method in Cycle I, the average increased to 64% (in the "Sufficient" category), and in Cycle II, it increased to 84% (in the "Good" category). Improvements occurred across all indicators, including the ability to form images, combine colors, utilize media, neatness of work, and courage to express themselves. The finger painting method can improve artistic abilities by engaging in free-form finger painting activities. Children are given specific themes to draw freely using the finger painting technique. Children are also able to combine colors well so that children's concepts about art become broader
The Role of Lecturers as Role Models in the Formation of Islamic Value-Based Technopreneurship Competencies in Students at Kuningan University
This study aims to analyze the role of lecturers as role models in shaping students’ technopreneurship competencies based on Islamic values at Kuningan University. Technopreneurship competence refers to the ability to integrate technology, innovation, and entrepreneurship within an ethical and spiritual framework of sustainable development. This research employed a qualitative descriptive approach, with data collected through in-depth interviews, participatory observation, and documentation. The results indicate that lecturers play a strategic role in fostering Islamic-based technopreneurial character through exemplary conduct (uswah hasanah), and by integrating values of tawhid, trustworthiness (amanah), diligence, and ethical innovation into the learning process. Moreover, project-based learning and spiritual mentoring effectively enhance technopreneurship competencies oriented toward social benefit and community welfare. The study recommends strengthening Islamic value-based academic culture so that the lecturers’ role as role models can be further optimized in developing outstanding Muslim technopreneurs with global competitiveness
The Role of Schools in Creating a Well-Being Literacy Environment for Early Childhood
One of the problems that is being faced by the world of education, especially early childhood education schools in Indonesia, is the lack of children's critical thinking skills during reading and writing learning activities and children's fear of literacy learning activities due to the lack of diversity in the use of media in schools which makes children's interest in literacy low. This study aims to find out how schools help early childhood health literacy and mental health. Project-based learning, along with music and movement. This study uses a descriptive qualitative approach for data collection. The data collection methods used including observations, interviews, and documentation with Braun & Clarke's thematic analysis will then be used to conduct the analysis. The results of this study show that schools play a role in supporting mental health literacy and early childhood well-being by providing facilities such as reading corners, libraries, and interesting reading posters. The school also uses various strategies to attract children's interest in reading and create a well-being literacy environment, such as the illustrated storytelling method, role-playing method, project method, song and movement method
The Role of Empathetic Communication in Relational Leadership in Islamic Educational Institutions: A Case Study at Ar-Rahmat Islamic Middle School, Majalengka
This study aims to describe the role of empathic communication in relational leadership within Islamic educational institutions, using a case study at SMP Islam Ar-Rahmat Majalengka. This approach seeks to understand how empathy-based interactions shape participatory, trusting, and collaborative leadership relationships among school leaders, teachers, and students. Data were collected through interviews with the principal, vice principal for curriculum, four teachers, and one student. The findings reveal that empathic communication serves as a fundamental foundation in building harmonious relationships among principals, teachers, and students. Through the practices of active listening, understanding individual perspectives, and expressing care and appreciation, leaders are able to create a collaborative and supportive work climate. Empathic communication also plays a crucial role in resolving conflicts, strengthening trust, and fostering a sense of togetherness within the school environment. This study emphasizes that relational leadership in Islamic educational institution is not only oriented toward achieving institutional goals but also toward nurturing humanistic and spiritual values in everyday interactions
Educational Marketing Management Strategies to Attract New Students at Weru Lor 2 Public Elementary School
Competition between educational institutions in attracting students, especially in academic institutions in the same area. Every educational institution is required to have a strategy for managing and promoting itself. One effective way is by implementing a targeted education marketing management strategy. This study aims to identify strategies for managing education marketing and enhancing school image to increase the interest of new students. This research is a descriptive qualitative study using data collection techniques, namely interviews, observations, and documentation studies. The results of the study show that the concept of Philip Kotler's 7P includes product, price, place, promotion, people, process, and physical evidence. Each of these aspects has a role in strengthening the school's image. A good school image has an essential role in increasing public trust. A well-managed education marketing management strategy and school image are the main factors in attracting new students
The Role of Technological Advancement and Innovation In The Economies of Muslim Countries
Using Indonesia as the primary case study, this research attempts to examine how technological advancement and innovation affect the economies of Muslim nations. With one of the world’s largest Muslim populations, Indonesia has both potential and challenges when it comes to leveraging technical advancemets to promote long-term economic succes. The research method used is library research which uses library material such as books, articles, journals, an media. The study’s finding suggest that innovation and technology utiliatzation play a crucial strategis role in boosting the competitivenes of Indonesia’s sharia based economy. Given Indonesia’s enormous potential in term of the number of Muslim, the growth of the halal sector, and government backing, in present a fantastic chance to promote the sharia economy’s transition to a more developed and internationally competitive path. Blockchain, halal ecommerce platform, and sharia fintech are exmple of digital technologies that chan increase the effectiveness and reach of sharia-based services
Fostering Inquiry and Curiousity: Project-Based Learning In Early Chldhood Science Education
This study aimed to enhance preschoolers’ scientific skills through the implementation of Project-Based Learning (PjBL). Using a classroom action research design, the intervention was conducted in three stages—pre-cycle, Cycle I, and Cycle II—with a focus on developing five key skills: observing, questioning, predicting, classifying, and communicating. Data were collected through observation and documentation and analyzed descriptively to capture developmental progress across cycles. The findings indicated substantial improvement in children’s engagement and inquiry abilities. The average performance score increased from 2.84 in the pre-cycle to 7.12 in Cycle II, reflecting steady growth in scientific reasoning and curiosity. Children became more confident in formulating questions, expressing predictions, and collaborating with peers. The results confirm that PjBL fosters inquiry-based thinking and supports cognitive, linguistic, and social development in early childhood settings. This research contributes to the understanding of how hands-on, contextualized learning experiences can effectively promote science process skills in young learners and emphasizes the crucial role of teachers as facilitators of inquiry
The Role of the JKN Mobile Application as a Form of Digital Transformation of Healthcare Services in the Modern Era
This research aims to assess the role of the JKN Mobile application in supporting the digital transformation of the healthcare system in Indonesia, specifically in improving the efficiency, accessibility, and quality of services for BPJS Kesehatan participants. Using a descriptive qualitative approach based on secondary data, the research findings indicate that JKN Mobile is able to expedite the administrative process, facilitate access to healthcare services, and enhance information transparency. However, there are still obstacles such as limited technological infrastructure, low digital literacy, and suboptimal system integration between agencies. Therefore, the successful implementation of JKN Mobile requires strong policy support, increased user education, and strengthened cross-sectoral collaboration to realize inclusive and sustainable digital healthcare services
Implementation of Sharia Principles in Digital Payment Systems: A Study on Sharia E-Wallet Platforms
The development of financial technology (fintech) has transformed the payment system into a fully digital and efficient one. However, for the Muslim community, this convenience must remain in line with sharia principles. This study aims to analyze the implementation of sharia principles in digital payment systems on sharia e-wallet platforms in Indonesia. The research method uses a qualitative descriptive approach with a literature review of various journals and fatwas from the National Sharia Council (DSN-MUI). The results show that sharia e-wallets such as LinkAja Syariah and GoPay Syariah have implemented muamalah contracts such as wadi'ah yad dhamanah (deposit), wakalah (representation), and ujrah (reward) as the basis of their operations. Transactions are conducted without elements of riba, gharar, and maysir, and user funds are deposited in partner sharia banks. In addition, digital zakat, infaq, and sedekah (charity) features reflect the application of Islamic social values and support the objectives of maqashid sharia
Word of Mouth Dominance in the Growth of Bunga Bangsa Islamic University Cirebon: Factor Analysis and Dynamics for the Period 2013–2025
This study aims to analyze the influence of Customer-Owned Loyalty, Scholarships and Academic Support, and Adaptive Selling and Personal Promotion on Word of Mouth (WOM) in the growth of Universitas Islam Bunga Bangsa Cirebon (UIBBC). The research employed a quantitative associative approach involving 120 respondents consisting of students, alumni, and prospective students selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed using multiple linear regression. The results show that all independent variables have a positive and significant effect on WOM. Customer-Owned Loyalty has the most dominant influence (β = 0.348; Sig. 0.000), followed by Scholarships and Academic Support (β = 0.297; Sig. 0.001), and Adaptive Selling and Personal Promotion (β = 0.254; Sig. 0.003). The R² value of 0.782 indicates that the model has a strong explanatory power in predicting WOM. The findings confirm that UIBBC’s student growth is primarily driven by interpersonal communication and internal loyalty rather than formal promotion. Practically, the study recommends strengthening community-based educational marketing strategies that emphasize Islamic values and student loyalty
Challenges and Opportunities In Strengthening Sharia Financial Literacy In The Digital Era Towards Investment Interest Of The Millennial Generation: A Literature Review
The rapid development of digital technology presents significant opportunities for the development of the Islamic economy in Indonesia, particularly in improving financial literacy among the millennial generation. However, the low level of understanding of Islamic financial principles and limited interest in halal investments remain major obstacles. This study aims to explore the challenges and opportunities in strengthening Islamic financial literacy in the digital era and its implications for the investment interest of the millennial generation. This study uses a literature review method (library research) with a descriptive qualitative approach, utilizing data from scientific journals, official reports from the Financial Services Authority (OJK), Bank Indonesia, KNEKS (National Islamic Finance Commission), and related academic publications. The analysis is conducted through data reduction, interpretation, and conclusion drawing to obtain a comprehensive understanding. The study results show that digitalization provides an effective means through e-learning, social media, and Islamic fintech to spread Islamic financial literacy. However, obstacles remain, such as low religious awareness, limited formal education, and the prevalence of misleading information. Therefore, synergy between educational institutions, the government, and financial institutions is crucial to creating an adaptive and sustainable Islamic financial literacy ecosystem that encourages interest in halal investment among millennials
Analysis of the Development of the Islamic Capital Market in Indonesia: Opportunities and Challenges
The Islamic capital market in Indonesia has demonstrated significant growth, becoming a vital part of the national financial system that aligns with Islamic principles. Supported by strong regulatory frameworks from the Financial Services Authority (OJK) and the Indonesian Ulema Council's National Sharia Board (DSN-MUI), the market has expanded its range of Sharia-compliant financial products including sukuk (Islamic bonds), sharia mutual funds, and sharia stocks. This growth is driven further by innovations such as green sukuk and sustainability sukuk, which facilitate sustainable development and attract socially responsible investors. Despite these advances, challenges remain, particularly in low public literacy and limited product diversification, which constrain wider investor participation. To address these issues, government and regulatory bodies actively promote financial literacy programs and regulatory enhancements, aiming to foster inclusive and sustainable growth of the Islamic capital market in Indonesia. The synergy between regulators, market actors, and the community is pivotal for the ongoing strengthening and expansion of the Sharia capital market as a key component of an equitable and sustainable economy based on Islamic values.
Building a Resilient Business Strategy in an Era of Increasingly Dynamic and Complex Global Competition
The era of globalization and the 4.0 industrial revolution has brought significant changes in the business world, which has become highly competitive and dynamic, where the boundaries between countries are becoming increasingly invisible and technological advancements are occurring rapidly. This situation forces business actors to have high adaptability and resilience to remain competitive in the midst of global market challenges. This article aims to investigate the concept and strategy for creating a strong business in the midst of global competition through a theoretical and reflective approach based on the latest literature review. The method used is qualitative-descriptive analysis by examining various strategic and empirical literature from 2014 to 2025 relevant to business resilience, innovation, and sustainability. The findings of the research show that a robust business strategy is built on three main pillars: adaptability to changes in the business environment, resilience in the face of economic uncertainty, and continuous innovation to create value and competitive advantage. The use of digital technology, improving the quality of human resources, and applying the triple bottom line principle (profit, people, planet) are key factors in maintaining business sustainability in this global era. Additionally, the analysis shows that companies that integrate business ethics and social responsibility into their corporate strategy have a higher level of competitiveness compared to companies that focus solely on financial gain. The implications of this research emphasize the importance of strategic transformation and collaboration between the government, private sector, and educational institutions in creating a robust and sustainable business ecosystem. By prioritizing innovation, ethics, and sustainability, Indonesian businesses are expected to increase their competitiveness in the global market while contributing to national economic development that is inclusive and equitable.
Individual Counseling Positive Self-Reinforcement Techniques To Reduce Student Bullying Behavior
Bullying is aggressive behavior carried out by certain individuals or groups, whether verbally, physically, or cyberbullying and occurs repeatedly. The purpose of this research is to describe bullying behavior that occurs in students and to describe and analyze the stages of individual counseling services using positive self-reinforcement techniques. This research uses a qualitative approach, a case study research type. Data collection techniques use observation, interviews, and documentation. Data analysis of this research includes data reduction, data presentation, and conclusions. The results of the study indicate that bullying behavior exhibited by students of SMP Negeri 2 Greged, Cirebon Regency indicates that bullying still occurs, although not widely, and tends to be hidden, such as teasing or ostracizing. Perpetrators, who are mostly male students, are often unaware that their actions are included in the category of bullying. The forms of bullying that often occur are verbal bullying, physical bullying, relational bullying, and cyberbullying. Individual counseling services using positive self-reinforcement techniques are effective in helping students reduce bullying behavior. Through positive reinforcement in the form of praise, giving meaningful tasks, and individual approaches, students who previously bullied showed behavioral changes for the better. The counseling stages include six stages, namely: (a) identification of behavior; (b) selection of reinforcement; (c) application of reinforcement; (d) self-monitoring; (e) periodic evaluation; and (f) reflection.
Islamic Digital Civilization: A Literature Analysis of the Evolution of Islamic Economics Towards the Virtual and Metaverse Era
The social, economic, and spiritual paradigms of societies worldwide have been transformed by advancements in digital technology, resulting in the metaverse ecosystem. Islamic digital civilization also known as "Islamic digital civilization" is a significant momentum in the Islamic economy to revitalize the values, principles, and practices of sharia economics in the virtual world. This study employs a qualitative approach and literature review method to analyze the development of Islamic economics from a conventional system to a digital economic order based on the values of maqāṣid al-syarī‘ah. The literature sources used include the latest national and international journals from 2019 to 2025 that discuss the integration of technologies such as blockchain, artificial intelligence, digital asset tokenization, and Islamic financial practices in the virtual world. Analysis shows that the digital Islamic economy is more than just the use of technology; it is a way to actualize the values of monotheism, justice, and trust in an increasingly digital economic environment. Thru smart contract systems, digital zakat platforms, and the tokenization of sharia assets, the Metaverse has a high probability of building a transparent and inclusive halal economic ecosystem. However, new ethical and jurisprudential challenges such as virtual ownership (digital ownership), data protection, and the authenticity of Sharia transactions in cyberspace are emerging. According to this research, to build an Islamic digital civilization, regulation, technological advancement, and spiritual governance must work together to ensure that digital progress remains focused on the values of maqāṣid al-syarī‘ah. In this way, the Islamic economy can serve as an ethical model for global economic development in the Web 3.0 and metaverse era, while also affirming Islam's position as a just, sustainable, and progress-oriented digital civilization.
Implementing Green Industry Principles Through Ecoprint Batik Making: A Nature-Care Initiative in Elementary Education
The implementation of green industry principles has become increasingly urgent in addressing environmental impacts of industrial activities. Environmental education from an early age through innovative approaches such as ecoprint batik can foster environmental stewardship among elementary students. This study aims to examine the implementation of green industry principles through ecoprint batik-making activities as an environmental education initiative at Elementary School 2 Kerandon, Indonesia. This research employed a descriptive qualitative design. Data were collected through observation, semi-structured interviews, and documentation involving sixth-grade students, teachers, and learning activities. Content analysis was used to analyze qualitative data from observations, interviews, and documentation of the ecoprint batik-making process. The ecoprint batik-making activities successfully increased students' environmental awareness and fostered creativity through utilization of natural materials including leaves, flowers, and natural dyes. The activity created contextual and engaging learning experiences that effectively introduced green industry concepts to elementary students. Students demonstrated improved understanding of environmental conservation and showed enthusiasm in creating unique batik patterns using environmentally friendly techniques. Integrating green industry values through ecoprint batik activities in elementary schools serves as an effective initial step in developing environmentally conscious character in children from an early age. This approach combines cultural preservation, environmental education, and practical skill development.
An Analysis of the Role of AI, Big Data, and Blockchain in Sustainable Economic Transformation
The rapid advancement of digital technology in the Fourth Industrial Revolution has brought significant transformation across various sectors, including Islamic economics. Technologies such as Artificial Intelligence (AI), Big Data, and Blockchain have become key drivers in improving the efficiency, transparency, and sustainability of the Islamic economic system. This study explores how these technologies can be implemented to strengthen the development of an Islamic economy in accordance with maqashid shariah principles. Using a qualitative descriptive approach, the research draws on literature reviews from recent academic journals and reports issued by Islamic financial institutions. The results indicate that AI enhances financial service efficiency and supports data-based decision-making. Big Data enables a deeper understanding of Muslim consumer behavior and aids in formulating more effective Islamic economic policies. Meanwhile, Blockchain fosters transparency and trust in halal financial transactions. The findings underscore the need for a harmonious balance between technological innovation and Islamic moral values to promote social justice and ensure lasting prosperity for the ummah.
The Influence of Islamic Financial Literacy and Halal Lifestyle on Saving Behavior among Muslim Millennials in Cirebon City, Indonesia
This study aims to examine the influence of Islamic Financial Literacy and Halal Lifestyle on Saving Behavior among Muslim millennials in Cirebon City, Indonesia. The research adopts a quantitative explanatory design with a deductive approach, collecting data from 200 respondents using purposive sampling. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) through SmartPLS 4.0. The results reveal that Islamic Financial Literacy has a positive and significant effect on Saving Behavior (β = 0.533, p < 0.001), indicating that understanding Islamic financial principles encourages disciplined saving. Similarly, Halal Lifestyle significantly affects Saving Behavior (β = 0.391, p < 0.01), suggesting that ethical consumption and moderation strengthen financial self-control. The combined effect of both predictors explains 56% of the variance in Saving Behavior (R² = 0.56), highlighting that financial competence and ethical values are mutually reinforcing in shaping responsible economic conduct. The findings enrich Islamic behavioral finance theory by integrating literacy, ethics, and behavior under the framework of Maqasid al-Shariah—specifically hifz al-mal (preservation of wealth). Practically, the study provides insights for Islamic financial institutions and educators to design programs that combine literacy development with halal lifestyle promotion to foster ethical and sustainable saving culture among Muslim millennials.
Digital Self-Esteem and the Sustainability of Gen Z Muslim Lifestyles: Ethical Perspectives and Business Innovation
This study aims to analyze the relationship between digital self-esteem and the sustainable lifestyle of Muslim Generation Z through the lens of Islamic ethics and digital business innovation. The rise of a digital consumerist culture highlights the tension between the desire for social visibility and the Islamic values of simplicity and responsibility. Using a qualitative descriptive approach through a literature review, this research examines national and international studies on digital psychology, Islamic business ethics, and sustainable lifestyle. The findings indicate that digital self-esteem plays a crucial role in shaping consumption behavior and social identity among Muslim Gen Z. Islamic ethical values such as wasathiyyah (moderation), qana’ah (contentment), and amanah (trustworthiness) serve as moral mechanisms for controlling digital consumption. Integrating Islamic ethics into digital business innovation has the potential to strengthen positive self-esteem, promote responsible consumption, and support the achievement of Sustainable Development Goals (SDGs) 8, 12, and 13. Therefore, this study emphasizes the importance of developing an ethical and sustainable digital business ecosystem that aligns with Islamic spiritual values, fostering a generation of Muslim youth who are productive, ethical, and environmentally conscious.
Performance Assessment of Madrasah Principals for Strengthening the Quality of Integrated MA Tunas Cendekia, Cirebon Regency
The transformation of Islamic education quality requires school principals to act not only as administrators but also as transformative and reflective learning leaders. This study aims to analyze the implementation of the Principal Performance Assessment (PKKM) as an instrument for strengthening quality at MA Terpadu Tunas Cendekia, Cirebon Regency. The study employed a qualitative descriptive approach through observation, interviews, and documentation, with thematic analysis and source triangulation techniques. The findings reveal that the implementation of PKKM functions beyond administrative evaluation; it serves as a reflective mechanism for quality improvement, aligned with the principles of Total Quality Management (TQM) and the Plan–Do–Check–Action (PDCA) cycle. The principal demonstrated transformational and instructional leadership styles, fostering a participatory culture and utilizing PKKM results to design data-driven Follow-Up Plans (RTL). Spiritual values such as amanah (trustworthiness), itqan (excellence), syura (consultation), and ihsan (doing good) form the ethical foundation for accountability and the cultivation of a quality culture within the school. Furthermore, the SWOT analysis indicates that the principal adopts adaptive strategies by converting weaknesses into strengths and threats into opportunities through program innovation and digital collaboration. The study concludes that the success of quality enhancement in madrasahs depends on the synergy between Islamic leadership, sustainable quality management systems, and institutional reflection. The MA Terpadu Tunas Cendekia model provides an empirical reference for developing PKKM as a key instrument in advancing the quality of Islamic education in Indonesia.
A Spiritual-Economic Synergy Model to Strengthen Sustainability Sharia-compliant Digital Fintech in Indonesia
The rapid development of financial technology (fintech) in Indonesia presents significant opportunities to strengthen the national economy through digital approaches. However, to ensure the long-term sustainability of Islamic fintech, it requires not only economic and technological factors but also spiritual values that form the ethical foundation of Islamic business practices. This study aims to develop a model that integrates Islamic spiritual values and economic principles to support the sustainability of digital Islamic fintech in Indonesia. The research employs a literature analysis approach, utilizing secondary sources such as journals, industry reports, and academic publications related to Islamic fintech and Islamic economics. The findings reveal that integrating spiritual and economic values produces four main pillars for the sustainability of digital Islamic fintech: (1) spiritual integrity as the foundation of digital trust, (2) economic justice as a guideline for business management, (3) digital inclusivity to encourage public participation, and (4) continuous innovation oriented toward the well-being of the community. This synergy enhances public trust and strengthens user loyalty toward the digital Islamic financial system. Furthermore, this study contributes theoretically to the development of a sustainability model for fintech based on *maqashid shariah* and serves as a practical guideline for industry players and policymakers in building an ethical and just digital economic ecosystem.
Increasing Bread Sales with Sharia Principles and Creativity: A Case Study of PDSM Bread UMKM
This study aims to explore ways to increase bread sales at the PDSM Roti MSME, a small and medium enterprise (SME) that implements Sharia principles and utilizes creativity in its business management. Prioritized Sharia principles include the use of halal ingredients, avoiding usury, and implementing Islamic business ethics such as honesty and social responsibility. Creativity is realized through the development of product innovations, diverse flavor variations, and marketing strategies that adapt to market demand. Qualitative methods including observation, interviews, and document analysis were used to gather information. The findings indicate that combining Sharia principles with a creative approach to operations can increase customer trust and competitiveness in the market. The implementation of halal certification and consultation with Sharia experts confirm the halal aspects of the product. Product innovation and marketing through digitalization have proven effective in increasing sales and expanding the market. This research contributes to the development of sustainable Sharia-compliant bread businesses and can serve as a reference for other MSMEs in increasing sales through Islamic and innovative approaches.
Talking Chips Technique to Improve Student Self-Control
This study aims to test the effectiveness of group guidance using the talking chips technique in improving self-control of eighth-grade students at SMPN 1 Kedawung, motivated by the high rate of deviant behavior due to low self-control (such as truancy, bullying, and fighting with teachers). Using a quantitative approach with a One Group Pretest and Posttest design, this study involved 10 respondents from all eighth-grade students. Data were collected through a self-control questionnaire that had been tested for validity and reliability. The research procedure included administering a pretest, followed by seven group guidance service meetings using the talking chips technique, and ending with a posttest. The results of the hypothesis test with the Paired Sample T Test showed a significance value (2-tailed) of 0.000, which means less than 0.05. The calculated t value (8.557) was also significantly greater than the t table. The conclusion of this finding is that the Alternative Hypothesis (Ha) is accepted, indicating a significant difference in student self-control before and after the intervention. Thus, group guidance with the talking chips technique is proven to be effective in improving self-control of eighth-grade students at SMPN 1 Kedawung. This research is expected to be a reference for sustainable group guidance services in schools.
The Role of Inclusive Leadership at Mutiara Bunda Elementary School
Inclusive school leadership is a specific type of school leadership. While a 'school leader' is any person holding a key formal leadership role in a school or learning community, an 'inclusive school leader' can be someone in a formal position or anyone who demonstrates leadership through their daily actions. This research aims to document, analyze, and validate a replicable model of good inclusive leadership practice. Employing a descriptive qualitative approach, this study was conducted at SD Mutiara Bunda, Bandung, utilizing technique triangulation to test data credibility. The results show that inclusive leadership is strongly implemented at SD Mutiara Bunda through the cultivation of the 5 Written School Culture Pillars (Grateful, Acceptance, Caring and Sharing, Continuous Improvement, Persistence), which establish a collaborative and accountable culture. Leadership implementation is carried out effectively at the individual level (learner-centered practice), the school level (flexible curriculum management and resource allocation based on equity), and the community level (active family involvement). This model successfully aligns Transformational and Instructional Leadership, ensuring that individual support (such as curriculum modification and adaptive assessment) is integrated with social inclusion. Overall, this research validates inclusive leadership practice as a vital foundation for realizing a fair and high-quality educational environment for all learners, providing valuable empirical reference for policy development and school leader training.
International Marketing Management Strategies in Vocational High Schools
This study aims to explore the educational marketing management strategy implemented by SMK Boash 1 Kota Bogor to increase new student enrollment. Using a qualitative method and an in-depth, findings indicate that planning involves rebranding, international curriculum implementation, and strategic collaboration with external parties. Marketing implementation utilizes social media and school partnership networks. Supporting factors include creative human resources and government collaboration, while barriers involve external issues and financial constraints. The study concludes that proper and adaptive promotional strategies significantly boost student interest. Further recommendations include strengthening digital coordination and continuous staff development.
TikTok Live Gifts and the Ethics of Earning a Living According to Islam
The live gift feature on TikTok has become a new trend in the digital economy, where users can earn income through virtual gifts from their viewers. However, this trend raises ethical concerns, especially when it involves actions that contradict Islamic teachings, such as exposing the aurah, excessive dancing, or inappropriate behavior to gain more gifts. This study aims to analyze the TikTok live gift phenomenon from the perspective of Islamic ethics in earning a livelihood. The method used is library research, focusing on the interpretation of Qur’anic verses, Hadith, and contemporary Islamic economic literature. The results indicate that digital economic activities such as live streaming are permissible as long as they are conducted in a lawful, honest, and ethical manner according to Islamic principles. However, when such activities involve immoral behavior, exploitation, or deception, they become prohibited. Therefore, Islamic ethics emphasize the importance of dignity, honesty, and blessings (barakah) in every form of earning income in the digital era.
The Transformation of Sharia Fintech from Fiqh Compliance to Strategic Contribution to the SDGs
The development of Islamic fintech in Indonesia has experienced significant growth in the last decade, but the prevailing discourse remains focused on sharia compliance without exploring its strategic potential in achieving the Sustainable Development Goals (SDGs). This article aims to analyze the paradigm shift of Islamic fintech from merely fulfilling the requirements of Islamic jurisprudence (fiqh muamalah) to actively contributing to the sustainable development agenda. Through a literature study approach using content analysis methods on contemporary Islamic jurisprudence (fiqh muamalah) literature, Islamic fintech regulations, and SDGs documents, this study develops a "Sustainable Sharia Compliance" framework that integrates three dimensions: normative Islamic jurisprudence compliance, fintech business model innovation, and strategic impact on the SDGs. The findings indicate that Islamic jurisprudence principles such as maslahah (benefit), distributive justice, and the prohibition of exploitation are inherently aligned with the SDG targets, particularly SDGs 1, 8, 9, and 10. However, realizing this potential requires a shift in orientation from a compliance-driven to an impact-driven approach. This article offers a novel concept of digital maslahah as a parameter for evaluating the contribution of Islamic fintech to public welfare in the digital economy. This research's theoretical contribution enriches the discourse on Islamic economics with a development studies perspective and provides a normative foundation for Islamic fintech practitioners in designing products oriented toward sustainable socio-economic impact.
Financial Governance Transformation Based on a One-Gate Payment System at the Al Khairiyah Foundation in Cirebon
This study examines the transformation of financial governance based on the One Gate Payment System at Yayasan Al Khairiyah Cirebon to enhance efficiency, transparency, and accountability. Before implementing this system, financial management was conducted manually, leading to delays in transaction recording, difficulties in financial audits, and potential misuse of funds. This study employs a qualitative method with a descriptive-analytical approach. Data were collected through interviews, observations, and financial document analysis before and after system implementation. The findings indicate that implementing the One Gate Payment System improved transaction recording, accelerated student payment processes, and strengthened financial transparency. The system also reduced human error, although challenges remain, such as high infrastructure costs, staff digital literacy limitations, and resistance to change. To overcome these challenges, the foundation collaborated with Bank Syariah Indonesia (BSI) through the BSI School Platform and conducted training for system users. In conclusion, the One Gate Payment System positively impacts the foundation's financial governance. Regular evaluation, technological feature development, and policy strengthening are necessary to ensure the system's sustainability.
Implementation of Religious Character Strengthening Through The Habit of Congregational Prayer And Al-Qur'an Recitation At State Senior High School 1 Cirebon City
As noble beings, humans are inherently obligated to worship God. However, for students who are not yet deeply involved in their religion, especially in moderate high schools, a learning process is necessary, including the implementation of congregational prayer during class hours and morning Quran recitation as a stimulus for learning activities based on faith and devotion to God Almighty, as well as a manifestation of the implementation of Religious Character Education Strengthening activities for students within the Independent Curriculum Program. The research method used in this journal is qualitative with a descriptive approach. The techniques used to collect and analyze data sources include interviews, observation, and documentation. The results of the analysis show that students tend to be able to participate in congregational prayer and Quran recitation activities well. This program is an effort to instill a spiritual attitude so that students have a better religious life guide for their future.
Analysis of the Effectiveness of the Sharia Supervisory Board in Maintaining Integrity and Sharia Compliance in Islamic Mutual Funds in the Indonesian Capital Market
The Islamic capital market in Indonesia has experienced rapid growth in line with the increasing public awareness of the importance of sharia-compliant investments. One of the prominent instruments is the Islamic mutual fund, which requires supervision from the Sharia Supervisory Board (Dewan Pengawas Syariah/DPS) to ensure that all its activities comply with sharia provisions. This study aims to analyze the effectiveness of DPS supervision in maintaining the integrity and sharia compliance of Islamic mutual funds in the Indonesian capital market. The method used in this study is a library research approach, by reviewing various sources such as OJK regulations, DSN-MUI fatwas, capital market industry reports, and relevant previous studies. The findings indicate that the DPS plays a strategic role in maintaining investor confidence in the integrity of Islamic mutual fund products. However, the effectiveness of supervision still faces several challenges, including the limited number and competence of DPS members, suboptimal coordination mechanisms with OJK and DSN-MUI, and a lack of transparency in sharia compliance reporting. Therefore, strengthening DPS capacity through enhanced competency, sharia certification, and a more comprehensive supervisory evaluation system is necessary. Effective supervision is expected to reinforce the integrity and credibility of the Islamic capital market in Indonesia.
The Role of Baitul Maal Wat Tamwil (BMT) in Realizing Economic Independence for Islamic Boarding Schools through Empowering Students at Al Bahjah Islamic Boarding School in Cirebon
This study is motivated by the urgency of strengthening pesantren’s economic independence as an effort to reduce dependence on external funding sources and to improve the welfare of santri. Baitul Maal wat Tamwil (BMT) Al Bahjah was chosen as the focus of this research due to its strategic role in empowering santri and supporting pesantren’s economic development. The objectives of this study are to analyze the role of BMT in empowering santri, its contribution to pesantren’s economic independence, as well as the supporting and inhibiting factors in its implementation. The study adopts the empowerment theory (Mardikanto), which emphasizes awareness, capacity building, and access provision, along with the concept of pesantren economic independence that highlights self-managed resources. This research employs a qualitative approach with a case study design. Data were collected through in-depth interviews, participatory observation, and documentation. The informants consisted of BMT managers, pesantren administrators, santri, and alumni. Data analysis was conducted using the Miles and Huberman interactive model through data reduction, data display, and conclusion drawing. Data validity was ensured through triangulation of sources, techniques, and time. The findings reveal that BMT Al Bahjah actively empowers santri through financing programs, training, and business mentoring. BMT also significantly contributes to pesantren’s economic independence by strengthening productive business units and reducing reliance on external funding sources. Supporting factors include the role of kiai, alumni networks, and available capital, while inhibiting factors include limited human resources and business risks. The study concludes that BMT Al Bahjah functions as a key driver of pesantren’s economic independence through sustainable santri empowerment.
The Transformation of Islamic Investment Among Generation Z through Digital Platforms
This study aims to analyze the investment behavior of Generation Z (Gen Z) in the Islamic capital market in the digital era. Gen Z is known as a generation that is highly adaptive to technology and concerned with ethical values and sustainability. In the context of investment, a growing interest among Gen Z in sharia-based investment products has emerged, such as Islamic stocks, Islamic mutual funds, and retail sukuk. This study employs a qualitative method with a descriptive approach, where data were obtained through in-depth interviews, observation of Islamic investment community activities on social media, and a literature review from secondary sources such as reports from OJK, BEI, and academic publications. The findings indicate that the primary motivations of Gen Z in investing in the Islamic capital market are the desire to earn halal profits in accordance with Islamic principles, as well as trust in the transparency of the Islamic financial system. However, challenges remain, including low Islamic financial literacy and the influence of social media trends that encourage short-term investment behavior. This study concludes that Gen Z holds significant potential to strengthen the Islamic capital market in Indonesia through the utilization of digital technology, sharia-based financial education, and increased awareness of sustainable Islamic investment values.
Risk Dynamics and Volatility in Islamic Stock Indices: A Literature Review of Islamic Value-Based Mitigation Models
Sharia stock indices such as the Jakarta Islamic Index (JII) and the Indonesia Sharia Stock Index (ISSI) face challenges due to the inherent risk and volatility dynamics of the modern capital market, despite the rapid growth of the sharia capital market as an investment alternative based on Islamic moral and spiritual values. The purpose of this literature review is to examine how Islamic principles can contribute to the creation of a risk mitigation model aligned with the values of maqāṣid al-syarī‘ah. Previous research indicates that most risk studies still focus on technical aspects such as Value at Risk (VaR), the Capital Asset Pricing Model (CAPM), or GARCH, without considering ethical and spiritual aspects, which is unreasonable. The Islamic approach to risk emphasizes that effort and trust in God must be balanced, and the principle of al-ghunmu bil-ghurmi, which means profit is proportional to risk, is the basis of investment justice. In situations like this, risk management is not just an effort to avoid losses; it is a process that ensures integrity, fairness, and well-being. According to research, applying principles such as trust, justice, and public interest can improve market regulations and reduce speculative behavior that causes uncertainty. Additionally, transparency, also known as Kashf al-Gharar, and the avoidance of maysir are also used as moral instruments to maintain the stability of the Islamic capital market. In this article, there is little research on how to combine the concept of risk jurisprudence with contemporary quantitative models. There hasn't been much previous research combining Islamic financial theory and behavioral approaches also known as behavioral finance for risk mitigation. Therefore, this article offers a new avenue for research on the concept of the "Islamic Risk Mitigation Model," which is rooted in the maqāṣid al-syarī‘ah and the principle of distributive justice. The purpose of this project is to strengthen the resilience of the Islamic capital market against global economic changes. Therefore, this research helps build a new paradigm for risk management that is morally good, fair, and spiritually sustainable.
Synergy Of Sharia Banks and Fintech in Supporting Islamic Monetary Policy in The Digital Era
This study aims to analyze the synergy between Islamic banks and fintech in supporting Islamic monetary policy in Indonesia. The development of financial technology (fintech) has brought significant changes to the global financial system, including the Islamic financial sector. Using a qualitative approach, this study examines how strategic collaboration between Islamic financial institutions and fintech service providers can strengthen the effectiveness of Islamic-based monetary policy. Data was collected through in-depth interviews with Islamic banking practitioners, fintech players, and Islamic financial regulators. The results indicate that synergy between Islamic banks and fintech has the potential to increase financial inclusion, strengthen the transmission of Islamic monetary policy through non-riba instruments, and support the stability of the national financial system. However, challenges arise from regulatory aspects, digital literacy, and Sharia compliance, which still need to be strengthened.
Fathering Alone: A Case Study of a Single Father’s Parenting Practices and Their Implications for Early Childhood Development
This study explores the parenting experience of a father who single-handedly raises four children, including a two-year-old toddler, after his wife worked abroad as a migrant worker in Taiwan for eight years. The study employs a qualitative descriptive design, drawing from interviews, observations, and document reviews. Findings reveal that the father assumes full responsibility for his children’s emotional, physical, and educational needs, shaping a family culture of independence and mutual care. However, the absence of maternal presence and limited social interaction appear to influence the children's confidence and emotional expression. The study draws on Bowlby’s and Ainsworth’s Attachment Theory to interpret the emotional dynamics within the father-child relationship and identifies key implications for early childhood education and family policy.
Optimizing the Potential of Artificial Intelligence (KA) in the Preparation of Teaching Materials in Elementary Education
Teaching materials can be said to be supplements based on specific achievements, goals and flow of learning objectives. Teaching materials have a significant role in their implementation, as they will affect the learning experience that takes place. However, currently teaching materials are still an administrative burden so that they are constrained in the preparation by several educators and teachers. The role of teaching materials is to be a booster of material study content because it has the characteristics of facts, concepts, principles, and procedures. This study aims to explore in depth how opportunities in the era of artificial intelligence (KA) can be a solution for every educator and teacher in compiling teaching materials that are implemented in experience and the achievement of learning goals. This study uses a qualitative research approach with a literature review method. Based on the results of the study, the potential for train optimization is in line with the current needs for the preparation of teaching learning or teaching materials, although its position remains as a tool and supporting media. Because in fact, the role of an educator and teacher cannot be replaced with the birth of the era of artificial intelligence (KA) technology. Artificial intelligence (KA) technology is able to optimize its role in strengthening the potential for strengthening learning through the potential of intelligence in the preparation of teaching materials . This is also very important to answer today's educational challenges. With the right approach, teachers can become learning architects who create dynamic, meaningful, and far-reaching learning environments.
The Role of Educators in the Prevention of Bullying Behavior in Early Childhood in Early Childhood
The problem of bullying behavior does not only occur in the community environment but also in the educational environment at the elementary, middle, and upper levels. However, unfortunately, at the early childhood education level (PAUD), it is sometimes not paid attention. In fact, the early childhood education environment can also have the potential for bullying behavior. Seeing this, the researcher conducted a study to see the role of educators in preventing bullying behavior in early childhood in early childhood in early childhood education. Using qualitative literature research, this study investigated the role of early childhood educators in preventing bullying behavior in early childhood from 2020 to 2025. The results of the study show that the role of educators in schools is not only as an educational organization but educators also play the role of supervisors, directors, trainers, assessors, motivators, mediators, evaluators. In addition, educators need to be adaptive to the changing times because educators are also responsible for helping children in difficult situations with their learning achievement during various issues that arise in school.
Application of the Independent Curriculum in Early Childhood Education in Kindergarten Plus Al-Aqhso
Early childhood education serves as the primary foundation for shaping children's character, spirituality, and intelligence. In line with the government's efforts to implement the Merdeka Curriculum across various levels of education, TK Plus Al-Aqhso, located in Tuk Karang Suwung Village, Lemahabang District, Cirebon Regency, has adopted this curriculum since 2022. One form of implementation is the integration of the 2013 Curriculum with the Merdeka Curriculum as the basis for learning. This study is motivated by the need to evaluate whether the Merdeka Curriculum has been effectively implemented in early childhood education, particularly in terms of lesson planning, instructional practices, and assessment by teachers. The aim of this research is to analyze the implementation of the Merdeka Curriculum at the early childhood education level in TK Plus Al-Aqhso. This study employs a descriptive qualitative approach, with data collected through observation, interviews, and documentation. The research subjects include a class A teacher, with the principal serving as the key informant. The findings reveal that lesson planning, instructional implementation, and learning evaluation are essential components that must be thoroughly prepared and executed to ensure the successful application of the Merdeka Curriculum in early childhood education.
The Erosion Of Social Beliefs and Spirituality in Post-Truth Culture
The rapid evolution of digital technology has profoundly transformed social interaction and spiritual understanding within contemporary society. This study explores the erosion of social trust and spirituality in the post-truth era through the lens of the Algorithmic Amplification Theory developed by Tarleton Gillespie. Employing a library research method, this paper examines scholarly literature and empirical studies that discuss how social media algorithms shape patterns of information consumption and religious meaning-making. The findings reveal that algorithms are not neutral technical instruments but active agents that amplify emotional, sensational, and divisive content, thereby reinforcing confirmation bias and diminishing traditional authority. This algorithmic process contributes to the fragmentation of social cohesion and the distortion of spiritual authenticity within digital spaces. From an Islamic perspective, the study highlights the importance of tabayyun (verification) and ethical communication as essential principles for constructing a more trustworthy and spiritually grounded information ecosystem. The research concludes by recommending a multi-level approach involving technological regulation, spiritually oriented digital literacy, and the development of ethical algorithms that promote social harmony and collective well-being.
Business Communication Ethics in The Era of Artificial Intelligence As A Moral Basis For Sustainable Innovation
The artificial intelligence revolution has engendered a paradigmatic shift in business communication practices, precipitating multifaceted moral predicaments concerning transparency, accountability, and ethical responsibility. This study endeavors to formulate a holistic ethical framework that synthesizes communication, technological, and business dimensions as normative foundations for responsible and sustainable technological innovation development. The research employs a literature review methodology with a qualitative descriptive-analytical approach, integrating perspectives from Arnett's Communication Ethics Theory (2008), Luppicini's Technology Ethics Theory (2009), and Velasquez's Business Ethics Theory (2012). Thematic content analysis techniques were utilized with source triangulation for data validation. Research findings demonstrate that AI implementation in business communication encounters substantial impediments in preserving principles of openness, integrity, and communicative accountability. The synthesis of three theoretical frameworks yields a comprehensive model that directs human-centered, equitable, and sustainable AI development. The study underscores the significance of ethics-by-design approaches and the expansion of corporate social responsibility constructs to ensure technological innovation not merely generates economic efficiency but also advances social justice and long-term sustainability within digital business ecosystems.
Edupreneurial Leadership and Religious Character Building: A Case Study of SD IT Global Islamic School Permata Ummi Kertasemaya
This article explores the relationship between edupreneurial leadership and the formation of religious character in an integrated Islamic elementary school. Drawing on field observations at SD IT Global Islamic School (GIS) Permata Ummi Kertasemaya, the study examines how the principal’s strategic leadership grounded in an edupreneurial framework influences students’ religious character development through institutionalized habituation, curriculum integration, and human resource empowerment. Using a qualitative descriptive approach, data were collected through direct observation, documentation, and interviews. Findings indicate that the school’s success in cultivating akhlakul karimah (noble character) stems not only from structured religious routines but also from the principal’s dual role as both an educational leader and an edupreneur capable of balancing innovation, financial sustainability, and spiritual values. This study contributes to the discourse on Islamic educational management by proposing a strategic edupreneurial leadership model that integrates market responsiveness with moral formation. Furthermore, it underscores the importance of aligning institutional growth with teacher well-being to ensure the sustainability of character education.
Protection of Husband and Wife Rights in Islamic Marriage Education: A Study on Community Property
This study examines the protection of husband and wife's rights over land assets categorized as joint property in marriage. Joint property is a legal consequence of marriage that must be managed based on the principle of mutual consent, as regulated in Law Number 1 of 1974 in conjunction with Law Number 16 of 2019 concerning Marriage. In practice, violations of this principle often occur, for example when one spouse unilaterally sells or transfers land rights without the consent of the other, which may lead to legal disputes. This research employs a normative juridical approach with qualitative analysis, through the study of statutory regulations, legal doctrines, and court decisions, including the Supreme Court Decision Number 322 K/Sip/1971 and the Constitutional Court Decision Number 69/PUU-XIII/2015. The results show that although the regulations provide a legal basis for protecting the rights of spouses, their implementation in practice still encounters obstacles, such as the lack of public awareness and inconsistencies in land administration practices. Therefore, it is necessary to strengthen the role of notaries/land deed officials (PPAT) in ensuring the consent of both parties in every land transaction, as well as to enhance public legal awareness. This research is expected to contribute academically to the development of family law and agrarian law studies, while also offering practical solutions to strengthen legal protection of joint property in marriage.
Elimination of Gharar and Riba in Sharia E-Commerce Transactions: Implementation of Islamic Sale Principles in the Digital Era
This study aims to analyze the implementation of Sharia-compliant sale and purchase principles in modern e-commerce transactions, with a particular focus on the elimination of elements of gharar (uncertainty) and riba (usury). It further explores the challenges and strategic solutions associated with applying Islamic principles within the contemporary digital economy. The research adopts a qualitative textual analysis approach, drawing upon primary sources such as the Qur’an, Hadith, and classical as well as contemporary fiqh literature. Secondary data are obtained from global Islamic finance industry reports and empirical studies related to Sharia e-commerce. The findings indicate that Sharia-compliant trading systems can be effectively implemented within e-commerce platforms through the application of principles of transparency, justice, and collective welfare (maslahah). Technologies such as blockchain and artificial intelligence have proven effective in mitigating elements of gharar, while payment structures based on murabahah and salam contracts successfully avoid riba-based practices. The global Islamic finance industry reached USD 3.69 trillion in 2023, reflecting the adaptability of Sharia principles within the modern economic landscape. This study offers a comprehensive framework for integrating Sharia-compliant sale principles into the digital e-commerce ecosystem, with particular emphasis on technological solutions to ensure Sharia compliance. However, the research is limited to theoretical analysis and literature review, thus requiring further empirical validation through case studies involving actual e-commerce platform implementations. The findings provide practical guidance for developers of Sharia-compliant e-commerce platforms and regulators in establishing a digital trade ecosystem that aligns with Islamic principles.
Analysis of the Application of Online Games from the Perspective of Maqashid al-Shariah in the Era of a Sustainable Modern Digital Economy
The current development of the digital economy has a significant impact on various aspects of life, including the entertainment sector through the proliferation of online games. This phenomenon is not only related to entertainment but also impacts social, moral, and economic values among Muslim communities. This study aims to examine the use of online games from the perspective of maqashid sharia by emphasizing the five main objectives of sharia, namely protecting religion (hifz ad-din), life (hifz an-nafs), mind (hifz al-‘aql), offspring (hifz an-nasl), and wealth (hifz al-mal). The method used in this study is qualitative-descriptive with a literature review approach from various academic sources related to the digital economy and Islamic ethics. The analysis findings indicate that online games can provide economic and educational benefits if used wisely and in accordance with sharia principles, especially in terms of increasing creativity, collaboration, and economic opportunities through e-sports and digital content. However, excessive misuse can result in negative effects such as addiction, neglect of worship, and unnecessary expenditure of time and money. Therefore, the application of maqashid sharia is important as an ethical guideline to achieve a balance between digital technological progress and the moral and spiritual sustainability of Muslims.
A Fiqh Muamalah Review of In-Game Transactions in the Digitalization of Indonesian Traditional Games: A Sustainable Digital Consumption Perspective
The digitalization of Indonesian traditional games such as gaple, congklak, and snake and ladders has introduced a new phenomenon in the form of in-game transactions that require a Sharia review. The shift from culturally rooted games to commercial digital products raises questions about the permissibility of transactions occurring within them. This study aims to analyze in-game transactions in digitalized traditional games based on the principles of fiqh muamalah and their relevance to sustainable digital consumption in line with the SDGs. The research employs a qualitative approach through a literature study, analyzing both classical and contemporary fiqh muamalah sources as well as documentation of digital gaming applications. The findings indicate that in-game transactions in digitalized traditional games exhibit various contractual characteristics, ranging from simple buying and selling to transactions containing elements of gharar and maysir, which should be avoided. The novelty of this research lies in its comprehensive analysis that integrates fiqh muamalah studies with cultural digitalization—an aspect that has not been previously examined. The study’s implications provide guidance for local game developers to implement Sharia-compliant business models and protect Muslim consumers from exploitative practices. The limitation of this research is its focus on theoretical analysis without direct observation of consumer behavior in practice.
Eliminating Gharar and Riba in Sharia E-Commerce Transactions: The Implementation of Islamic Sale and Purchase Principles in the Digital Era
The digital transformation in the financial sector has brought significant changes to transaction patterns in society, including within Islamic boarding schools (pesantren). One such innovation is the cashless payment system, which offers efficiency, security, and convenience in transactions. This study aims to analyze the perceptions of students (santri) at Al-Ghozali Islamic Boarding School, Majalengka, regarding the use of cashless payment systems from the perspective of fiqh muamalah and digital Islamic economics. The research employs a qualitative approach using in-depth interviews, observation, and documentation techniques. The results show that most students accept digital payment systems as a form of modern convenience aligned with the principle of maslahah mursalah, as long as they do not involve elements of riba (usury) or gharar (uncertainty). The implementation of this system also contributes to more efficient, transparent, and controlled financial management within the pesantren. Moreover, this innovation supports the achievement of SDG 1 (No Poverty) through enhanced financial inclusion and SDG 8 (Decent Work and Economic Growth) by strengthening economic activities in the pesantren environment. The findings indicate that cashless payment systems can be integrated with fiqh muamalah principles and have a positive impact on the development of digital Islamic economics in pesantren settings.
Riba, Creditworthiness, and Receivables Management from the Perspective of Islamic Economics and Banking
This research aims to analyze the relationship between riba (usury), credibility, and receivables management within the context of Islamic economics and banking in Indonesia. Riba is considered a practice that leads to economic injustice and contradicts Sharia principles. The credibility of financial institutions is a crucial factor in building public trust in an ethical and transparent financial system. Conversely, receivables management plays a vital role in maintaining the liquidity and stability of financial institutions, ensuring their operational soundness. This study uses a descriptive qualitative approach by analyzing literature from various current scientific sources published during the 2020–2025 period. The results indicate that the elimination of riba, the implementation of justice principles, and the professional management of receivables significantly contribute to enhancing the credibility of Islamic financial institutions. Thus, the integration of Sharia values within the financial management system is key to the sustainability of Islamic banking in the modern era.
Maqāṣid al-Sharī‘ah and the SDGs in BSI Digitalization: A Conceptual Review of Gold Investment Based on Islamic Values
This study aims to examine the relationship between Maqāṣid al-Syarī‘ah and Sustainable Development Goals (SDGs) in the context of the digitalization of Islamic financial institutions in Indonesia, particularly in gold investment practices based on Islamic values. Amidst the acceleration of digital transformation, Islamic financial institutions are required to integrate Islamic principles with financial technology innovations to expand financial inclusion and improve community welfare. This research approach is qualitative, with literature study methods and conceptual analysis based on various relevant academic sources. The results of the study indicate that the digitalization of Islamic pawn institutions has the potential to support the achievement of the objectives of Maqāṣid al-Syarī‘ah, such as the protection of property (ḥifẓ al-māl) and the maintenance of religion (ḥifẓ al-dīn). Furthermore, digitalization also contributes to the achievement of the SDGs, particularly in poverty alleviation, improving economic welfare, and encouraging innovation in the sustainable financial sector. Furthermore, Islamic-based gold investment practices through digital platforms can be an effective instrument for realizing economic justice, transparency, and social sustainability. Therefore, integrating the values of Maqāṣid al-Syarī‘ah and SDGs in the digitalization process of Islamic pawn institutions is a strategic step to strengthen a competitive, ethical, and adaptive Islamic financial system to technological developments in the digital era
The Psychological Dynamics of Students in Undergoing the Group Guidance Process Based on Anti-Violence Educational Video Media
This study aims to gain an in-depth understanding of the psychological dynamics students in undergoing a group counseling process using non-violence awareness video. The research employs a qualitative approach with a phenomenological design, focusing on exploring the subjective meanings of the experiences of individuals directly involved in the group counseling phenomenon. The research subjects consist of several tenth-grade students at SMK Negeri 2 Kuningan. Data were collected through in-depth interviews, direct observations, and documentation of activities. The data were then analyzed using the Interpretative Phenomenological Analysis (IPA) technique to interpret the meanings of the participants’ experiences holistically. The results of the study show that the use of anti-violence educational video media successfully captures students’ attention and helps them better understand the concepts and negative impacts of bullying behavior. The visual presentations in the videos assist students in identifying various forms of bullying—physical, verbal, and social—while fostering a stronger sense of empathy toward victims. Emotionally, students reported having a touching and meaningful experience throughout the activity, as the video media allowed them to feel the real psychological impact of bullying on victims. Furthermore, the reflection and group discussion process after watching the videos played a significant role in shaping prosocial attitudes, enhancing communication skills, and strengthening interpersonal relationships among students.
Family Law in the Era of Migration: Legal Protection for Transnational Families Based on the Sustainable Development Goals (SDGs)
The phenomenon of global migration has created complex challenges in ensuring legal protection for transnational families, particularly with regard to the legal status of marriage, child custody, and access to social services across jurisdictions. The lack of harmony among national legal systems generates legal uncertainty and the potential for discrimination against migrant families, which is contrary to the principles of inclusion and equality embodied in the Sustainable Development Goals (SDGs). This study aims to critically examine how international family law responds to the protection needs of transnational families in the context of migration, and to evaluate the extent to which existing regulations align with global commitments to reducing inequality. The distinctiveness of this study lies in its interdisciplinary approach, which combines legal analysis, migration policy, and moral dimensions within the SDG framework. The research employs a qualitative approach with a systematic literature review. The stages of the study include the identification of primary and secondary sources such as international conventions, United Nations documents, legal journals, and reports from human rights institutions; the selection of materials based on their relevance to the issue of transnational families and the principle of non-discrimination; and content analysis using thematic coding techniques. Validation was carried out through peer review and triangulation with case studies from various jurisdictions. The findings show that although relevant international legal frameworks exist, their implementation remains partial and uneven. Several countries have not yet fully adopted the principle of non-discrimination in their family law systems. This study concludes that legal harmonization and stronger interstate cooperation are required to ensure fair, inclusive, and sustainable legal protection for transnational families, in line with the commitments of the SDGs.
Between the Digital Stage and the Real Classroom: Uncovering the Impact of Teachers Being Education Influencers on the Education Landscape
This research aims to comprehensively investigate the phenomenon of teachers transforming into education influencers in the digital age and its impact on the educational landscape. This phenomenon presents a new dynamic in which teachers not only play a role in physical classrooms, but also build a significant presence and influence on online platforms. This research will explore the potential positive effects, such as increased student motivation and engagement through creative content, broader dissemination of innovative teaching practices, and the formation of collaborative online learning communities. On the other hand, this study will also analyse potential negative effects that may arise, including issues related to teacher professionalism, the validity of shared information, pressure to continuously produce content, and potential distractions from the primary role as an educator in the classroom. Through a qualitative approach with in-depth case studies of several teacher influencers and analysis of their social media content, this research will identify patterns, trends, and challenges faced. Additionally, students', fellow teachers', and parents' perceptions of this phenomenon will be explored through interviews and surveys. The research findings are expected to provide a deeper understanding the dual implications of teacher influencers on teaching practices, professional development, student interactions, and the overall image of the teaching profession. These findings are expected to serve as a foundation for the development of wise policies and guidelines in responding to this evolving phenomenon, in order to maximise its positive potential and minimise its negative impact on the world of education.
Assessing The Role Of Murabahah Financing In The Development Of Community-Based Student Laundry Service Enterprises: Evidence From Kspps Bmt Al-Bahjah Buyut
This study aims to analyze the role of KSPPS BMT Al-Bahjah Buyut in supporting the development of home-based laundry businesses managed by the local community around Pondok Pesantren Al-Bahjah Buyut through a Sharia financing scheme based on the murabahah contract. The research method employed is a qualitative interactive approach using a case study design, involving in-depth interviews and field observations with business actors and relevant BMT personnel. The findings indicate that BMT Al-Bahjah Buyut not only designs Sharia-compliant financing schemes but also distributes them selectively through the 5C principles analysis, while maintaining intensive supervision over the continuity of installment payments by its partners. Beyond addressing access to capital for micro-entrepreneurs, particularly women engaged in laundry services, BMT plays a significant role in strengthening the pesantren-based community economy, rooted in spiritual values, fairness, and blessings. The implementation of murabahah financing has proven effective in enhancing business sustainability and improving the welfare of the surrounding community, while simultaneously promoting sustainable Sharia financial inclusion at the grassroots level.
Philosophy and Basic Principles of Sharia Banking in Indonesia
The philosophy of Islamic banking is in line with the philosophy of Islamic economics, which includes several elements, including monotheism, balance (equilibrium), freedom, productivity, justice, having ethical and business morality, and responsibility. The concrete manifestation of the principles of Islamic banking is in the form of the principle of profit sharing (mudharabah), financing based on capital participation (musyarakah), the principle of buying and selling goods to obtain profits (murabahah), or financing of capital goods based on the principle of pure rental without options (ijarah) or with the option of transferring ownership of goods rented from the bank to another party (ijarah wa iqtisna).
Analysis of the Termination of Prosecution Against Suspect “N” in a Corruption Case According to Positive Law and Islamic Criminal Law
The termination of prosecution in corruption cases is an important issue to examine, especially from the perspective of positive law and Islamic criminal law. This study focuses on the termination of prosecution against Suspect N, who is suspected of participating in the corruption of APBDes funds, and reviews its conformity with applicable legal principles. This study uses an empirical qualitative method with data collection techniques through interviews, surveys, and field observations, supported by a literature review of laws, academic literature, and other relevant documents. The approach used is non-doctrinal, focusing on the analysis of legal subjects and objects directly. The results of the study show that the termination of prosecution against Suspect N was carried out through the mechanism of deponering as stipulated in Article 35 paragraph (1) letter c of Law Number 11 of 2021 concerning the Attorney General's Office, on the grounds of public interest. However, when viewed from the perspective of Islamic criminal law, the termination of prosecution can only be justified if it is accompanied by the restitution of state losses (istirdad) and sincere repentance, which in this case are considered not to have been fully fulfilled. Thus, although there is a common ground between positive law and Islamic criminal law in terms of termination of prosecution, particularly in the aspect of restorative justice, the author argues that the application of deponering to Suspect N is not in line with the principles of justice and legal certainty.
Digital Transformation in the Islamic Economy: Technological Innovation for Strengthening the Halal Financial Ecosystem in the Society 5.0 Era
Digital transformation has emerged as a global phenomenon that significantly influences various economic sectors, particularly the Islamic economy. Although digitalization offers substantial opportunities for enhancing efficiency and financial inclusion, its implementation within the halal ecosystem continues to face challenges related to compliance with Sharia principles, public digital literacy, and the institutional readiness of economic actors. This study aims to analyze the role of digital technology in strengthening the halal financial ecosystem and to elaborate optimal strategies that align with Sharia values. This research employs a qualitative approach through a literature review, analyzing a range of scholarly articles, books, and publications related to digital innovation and Islamic economic practices. The findings indicate that technologies such as artificial intelligence (AI), the Internet of Things (IoT), blockchain, and various Sharia-compliant fintech platforms can significantly improve efficiency, transparency, and engagement within halal financial services. The integration of technological advancement with the principles of maqāṣid al-sharī‘ah emerges as a critical factor for success. However, several challenges persist, including the digital divide, limitations in human resources, and regulatory constraints, which must be addressed through coherent and integrated strategies. These findings provide important implications for policymakers, financial institutions, and halal industry stakeholders in designing sustainable, secure, and Sharia-compliant digital innovations. Consequently, the halal economic system is expected to develop more rapidly and enhance its competitiveness in the Society 5.0 era.
The Role of Sharia-Compliant Digital Payment Systems in Promoting Seller Honesty and Transparency in E-Commerce
This study aims to examine the role of sharia-compliant digital payment systems in helping sellers maintain honesty and transparency on e-commerce platforms. Amidst the rapid development of the digital economy, sharia principles such as the prohibition of interest, uncertain risks, and opportunity-based financing have become obstacles to online transactions. This study used a descriptive qualitative method and collected data through literature review. The results indicate that sharia-compliant digital payment systems can strengthen transaction honesty through valid, clear contracts that comply with sharia law. Honesty in sharia-compliant fintech is an important foundation for preventing fraudulent practices and information manipulation. Furthermore, digital transparency in e-commerce is crucial for building buyer trust, particularly through seller verification, product reviews, and buyer protection. Digital platforms are also required to maintain data security and provide a reporting system that responds quickly to issues. By consistently implementing sharia-compliant digital payment systems, sharia-compliant digital payment systems can create a fair, sustainable, and meaningful business environment, as well as increase the competitiveness of halal micro, small, and medium enterprises (MSMEs) in the era of globalization. This study recommends collaboration between the government, Islamic scholars, and industry players to strengthen sharia-compliant financial regulations and education.