Indonesian Journal of Islamic Economics Research

E-WALLET: MAKE GENERATION Z MORE CONSUMPTIVE?

Afiful Ichwan — Wed, 17 Dec 2025 00:00:00 +0000

The development of e-wallets has made life simpler, changed the way people think and act, but it has also fostered consumerism and repetitive transactions. The author's goal is to examine how the transaction patterns of Generation Z changed before and after they started using e-wallet applications, since Generation Z is the primary user of e-wallet apps. The study used non-probability sampling and targeted sampling to include 240 members of Generation Z from the city of Lampung, the provincial capital. To determine whether there were any significant differences, the Paired Sample T-Test was the analytical technique used. The paired sample T-test yielded a statistically significant p-value of 0.000, which is less than 0.05. This indicates a variation in e-wallet transaction patterns before and after acquiring an e-wallet. While e-wallet transaction patterns are increasing, not all transactions are consumptive-oriented, but e-wallets have the potential to make consumers more productive.

The Relevance of Muhammad Baqir Al-Sadr’s Thought on Zakat Distribution for Poverty Alleviation in Indonesia

Muhammad Al Berto, Mugiyati, Muhammad Daffa Al-farisy — Wed, 17 Dec 2025 00:00:00 +0000

Poverty remains a major challenge in Indonesia despite institutionalized zakat management. Muhammad Baqir al-Sadr conceptualizes zakat as a productive redistributive mechanism intended to promote long-term socioeconomic justice. This study assesses the effectiveness of zakat within this framework using the Autoregressive Distributed Lag (ARDL) approach with annual data from 2001–2023 and GDP as a control variable. The results indicate that zakat has a significant short-run effect, reducing poverty with its strongest impact appearing after a lag (coefficient = –0.131), although the effect weakens and reverses over time, reflecting a consumption-based distribution pattern. In contrast, GDP shows both short-run and long-run significance in lowering poverty, with a sustained negative long-term effect (coefficient = –0.855). These findings suggest that current Zakat implementation has not yet embodied al-Sadr’s productive model and requires governance reforms to strengthen its structural role in poverty alleviation.

Exploring the Relationship between Economic Activity, Population, and Energy Consumption on Environmental Degradation in 10 OIC Countries

Saifudin Zuhri, Adrian Muhammad Adi , Nadhifah Nisa An — Wed, 17 Dec 2025 00:00:00 +0000

Environmental degradation is a manifestation of ecosystem damage caused by unsustainable activities, one of which is reflected in increased carbon emissions. This study aims to analyze the relationship between economic activities and environmental degradation in 10 member countries of the Organization of Islamic Cooperation (OIC) using quantitative data from 2008 to 2022. The Panel VECM method was used to identify long-term and short-term relationships between variables. The estimation results indicate that, in the long term, population, electricity consumption, economic growth, FDI, and renewable energy consumption have a significant impact on carbon emissions. Conversely, total energy consumption and the HDI are not significant. These findings encourage the government to shift from fossil fuel use to new and renewable energy and minimize the conversion of green areas into residential areas. Additionally, fossil fuel use must be balanced with investments in new and renewable energy to control rising carbon emissions alongside economic activities.

The Relevance of the Ternak Uang Financial Strategy to the Principles of Maqāṣid al-Sharī‘ah and Al-Ghazali’s Ethics of Wealth

Ahmad Farid Fanani, Ahmad Nabil Annuha, Muhammad Yusuf Pratama — Wed, 17 Dec 2025 00:00:00 +0000

Timothy Ronald’s Tangga Ternak Uang has gained widespread attention among young Indonesian Muslims as a practical and accessible step-by-step financial guide. This study aims to examine how Islamic principles are reflected in each of the strategy’s seven stages through the lens of maqāṣid al-sharī‘ah and Al-Ghazali’s thought. Using a qualitative method, this research draws upon content analysis of video materials and relevant classical and contemporary literature. The findings show that every stage from saving and debt repayment to long-term investment and philanthropy embodies the value of wealth protection (ḥifẓ al-māl), moral responsibility, and barakah-oriented behavior. The strategy resonates with Al-Ghazali’s emphasis on spiritual ethics, risk anticipation, and wealth as a means for societal welfare. Nonetheless, the model has yet to be empirically tested in the context of user behavior or socio-economic impact. This study contributes to the development of Islamic financial literacy models rooted in maqāṣid-based ethical frameworks.

Determining Factors of Poverty Line in East Java by Using Log-normal and Log-gamma Regression

Rendra Erdkhadifa — Wed, 17 Dec 2025 00:00:00 +0000

This study reviews the factors that have an impact on the poverty line in East Java. Poverty analysis is essential as it reflects regional welfare and economic conditions and guides policy design, given its systemic impact on other sectors. In addition, policies in poverty alleviation can reduce social disparities and economic development. This study uses a sample consisting of regencies and cities in East Java in 2023. A quantitative approach is applied in research with an associative research type. Data analysis technique used in the study is to apply log-normal regression and log-gamma regression Referred to the results of the analysis carried out, the right model to represent the poverty line is log-gamma regression. With alpha 5%, the predictor variables that significantly affect positive are the education level, and open unemployment rate. Total population has negative effect the poverty line significantly. Another result shows that economic grows doesn’t affect significantly to the poverty line. The results suggest that education, unemployment, and population are key determinants of the poverty line in East Java, highlighting the importance of comprehensive policies aimed at enhancing educational outcomes, expanding employment prospects, and ensuring inclusive development instead of depending exclusively on economic growth

Strengthening The Halal Supply Chain Ecosystem in Business Unit of Pesantren

Wed, 17 Dec 2025 00:00:00 +0000

To fulfill the halal needs of consumers or the community of Pesantren, the implementation of a Halal Supply Chain in every product is very important. Moreover, in boarding schools that offer various business units, a halal supply chain can be applied to create a halal ecosystem to foster better social change. This study is a qualitative study with a comparative approach on the objects of Darussalam Drinking Water (AMIDAS) and Khizanah Bakery (Manufacturing) and Gambia Market (Retail/Distributor), which are business units of Pondok Modern Darussalam Gontor.. The results of this study indicate that the supply chain in the PMDG business unit has been well implemented. Meanwhile, halal supply chain activities are divided into three; first, halal supply chain resources include organization, information management, physical separation, and Islamic human resources. Second, halal supply chain business processes are halal manufacturing and halal logistics. Third, the halal supply chain network for Amidas and Khizanah Gontor Bakery as producers sources materials from manufacturers, produces goods, stores them in warehouses, and distributes them to retailers, sub-retailers, and so on. Gambia as a distributor receives products from producers according to halal standards and then provides them to customers. All halal supply chain activities have been carried out in accordance with Islamic principles.

Creative Economy and Halal Industry for Global Economic Inclusivity in Pekalongan City

Ariel Ramadhani, Hendri Hermawan Adinugraha — Wed, 17 Dec 2025 00:00:00 +0000

This study investigates how the integration of the creative economy and the halal industry can serve as a strategic mechanism to strengthen global economic inclusivity, with Pekalongan City as the empirical focus. The research aims to analyze the contribution of batik, Muslim fashion, and halal culinary sectors to local identity and economic growth, identify obstacles faced by micro, small, and medium enterprises (MSMEs), and formulate strategies to improve their competitiveness. Using a qualitative descriptive approach, this study adopts a structured literature review of peer-reviewed journal articles, government documents, and relevant international reports to ensure reliable and up-to-date sources. The analysis shows that although the creative sectors hold strong cultural and economic value, MSMEs are constrained by limited digital literacy, inadequate access to inclusive financing, and fragmented halal certification systems. The findings indicate that integrating digital transformation, sharia-compliant financing schemes, and harmonized halal standards can enhance MSME capabilities, expand global market access, and strengthen international recognition. Overall, the study concludes that synergy between the creative economy and the halal industry can build a sustainable ecosystem that promotes innovation and inclusiveness while preserving Pekalongan’s cultural distinctiveness in the global economy.