IQTISADIE: Journal of Islamic Banking and Shariah Economy最新文献

{"title":"Strategi Pemasaran Syariah Dalam Upaya Meningkatkan Penjualan (Studi Pada Ud. Sari Murni / Jenang Tradisional Lasimun Kecamatan Boyolangu Kabupaten Tulungagung)","authors":"Fatkhur Rohman Albanjari","doi":"10.36781/iqtisadie.v2i2.274","DOIUrl":"https://doi.org/10.36781/iqtisadie.v2i2.274","url":null,"abstract":"Tujuan penelitian ini adalah untuk mengetahui bagaimana strategi pemasaran syariah dalam upaya meningkatkan penjualan pada UD. Sari Murni atau Jenang Tradisional Lasimun. Metode penelitian dalam penelitian ini menggunakan metode deskriptif kualitatif melalui wawancara mendalam kepada pemilik usaha jenang tradisional Lasimun. Hasil dari penelitian menunjukkan bahwa dalam penerapan strategi pemasaran syariah peneliti menemukan 5 strategi yaitu; strategi produk (product) UMKM jenang tradisional Lasimun memperhatikan penyajian dengan memberi varian hiasan dalam produknya serta tetap menjaga cita rasa yang khas, strategi harga (price) UMKM jenang tradisional Lasimun mematok harga yang terjangkau bagi para konsumennya, strategi tempat (place) UMKM jenang tradisional Lasimun bertempat dirumah pribadi yang tidak jauh dari pusat kota, strategi promosi (promotion) UMKM jenang tradisional Lasimun memanfaatkan media sosial berupa Instagram, Facebook, dan Whatsapp, orang (people) UMKM jenang tradisional Lasimun mempekerjakan karyawan yang bekerja disetiap bagiannya masing-masing sehingga karyawan dan pemiliknya saling bergantung satu sama lain.","PeriodicalId":196760,"journal":{"name":"IQTISADIE: Journal of Islamic Banking and Shariah Economy","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-10-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133300629","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PERKEMBANGAN PERBANKAN SYARIAH DI ERA DIGITALISASI","authors":"Muhammad Ismail Sha Maulana, Muhammad Firdan, Sofia Rachmah Sabilla, Abdul Hakam","doi":"10.36781/iqtisadie.v2i1.225","DOIUrl":"https://doi.org/10.36781/iqtisadie.v2i1.225","url":null,"abstract":" Tujuan dari penelitian ini yaitu untuk mengetahui arus revolusi industri 4.0 mempunyai dampak perubahan yang signifikan dalam teknologi digital. Digitalisasi dapat mempengaruhi berkembangan di berbagai sektor menjadi sangat pesat. Salah satunya dalam sektor ekonomi, Sektor perekonomian mengalami perkembangan yang lebih efisien dan efektif. Maka dari itu dengan berkembangnya teknologi di sektor ekonomi dapat mendorong kita untuk terus selalu berinovasi mengeluarkan produk- produk baru di sektor ekonomi agar tidak tergerus oleh zaman. \u0000 Bonus Demografis juga harus dimanfaatkan adanya,karena bisa menadi faktor pendorong bagi negara akan perkembangan era yang dibutuhkan nantinya pada masa digitalisasi yang sekarang sebagai tumpuan sistem ekonomi. Perbankan Syariah harus dapat bertransformasi dengan melakukan mengoptimalkan ekosistem dan keuangan syariah, mempunyai keunikan model bisnis yang berdaya saing tinggi, mampu mengintegrasikan fungsi keuangan komersial dan sosial, Sumber Daya Manusia yang berkualitas dan IT yang mutakhir. \u0000Penelitian ini termasuk jenis penelitian kualitatif dengan metode deskriptif yang menjelaskan mengenai perkembangan perbankan Syariah. Hasil penelitian menunjukkan bahwa perbankan Syariah dapat memiliki peluang yang sangat besar karena perbankan Syari’ah juga memiliki daya tarik yang faktual dan tidak dapat diingkari. Ada beberapa daya tarik yang ada di perbankan Syariah, seperti : tidak diskriminatif, menekankan inflasi, tahan menghadapi gejolak moneter, kebersamaan, berpihak pada nasabah, berpihak pada ekonomi rakyat, ikatan emosional yang kuat, kelonggaran psikologis, pinjaman lunak, meningkatkan produksi, memperlancar arus barang, dan transparansi.","PeriodicalId":196760,"journal":{"name":"IQTISADIE: Journal of Islamic Banking and Shariah Economy","volume":"176 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132219109","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"ANALISIS PENERAPAN KONSEP KEJUJURAN,ADIL, DAN IHSAN DALAM JUAL BELI ONLINE MELALUI WHATSAPP DI PAMEKASAN","authors":"Dharma Arif Mulana Maulana, Sohibul Ansori, Fitriyana Agustin","doi":"10.36781/iqtisadie.v2i1.223","DOIUrl":"https://doi.org/10.36781/iqtisadie.v2i1.223","url":null,"abstract":"Perdagangan atau jual beli merupakan salah satu kegiatan bisnis yang menyebabkan terjadinya transaksi antara penjual dan pembeli mengenai suatu barang tertentu. Bentuk pemasarannya dapat mengupload foto produk mereka yang dapat membentuk komunikasi antara penjual dan pembeli dengan tetap memperhatikan etika bisnis, namun sayangnya beberapa konsumen merasa kecewa ketika produk yang dipesan nampak berbeda saat produk tersebut sudah berada ditangan konsumen, sehingga penerapan etika bisnis sangat penting dalam melakukan transaksi jual beli online salah satunya yang dilakukan di beberapa marketplace seperti Whatsapp. Islam sebagai agama yang sempurna mengajarkan bagaimana cara bertransaksi yang benar yang dikenal dengan etika bisnis Islam. Karena tidak dipungkiri banyak masyarakat yang notabene beragama islampun sering mengabaikan. Tujuan dari penelitian ini untuk memperbaiki penyimpangan-penyimpangan transaksi ekonomi di tengah-tengah masayarakat sesuai dengan etika ini. Salah satunya adalah prinsip ekonomi Imam al-Ghazali adalah adil dan ihsan dalam transaksi ekonomi. Adapun metode yang digunakan dalam penelitian ini adalah menggunakan metode kualitatif dimana data yang diperoleh dengan cara wawancara atau observasi. Penelitian ini menggunakan field research. Bedasarkan hasil penelitian observasi dan wawancara menunjukkan bahwa penerapan etika bisnis dalam jual beli online di Whatsapp sudah sebagian yang memenuhi prinsip kejujuran, keadilan dan ihsan. Namun masih ada beberapa pelanggan atau penjual yang merasa kecewa ketika barang sampai dan tidak sesuai dengan gambar atau sedikit berbeda dengan aslinya.Implikasi dalam penelitian ini memberikan masukan dalam upaya meningkatkan penerapan dalam etika bosnis islam.","PeriodicalId":196760,"journal":{"name":"IQTISADIE: Journal of Islamic Banking and Shariah Economy","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132222863","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"BERKAHOUTFIT.COM : OPTIMALISASI WEB DIGITALISASI BISNIS FASHION SYARIAH DENGAN SISTEM VIRTUAL TEAM DI INDONESIA","authors":"Arif Arif, Wahyu Setiawan Djodi, Dedeng Permadi, Siti Ikmatul Munawaroh","doi":"10.36781/iqtisadie.v2i1.222","DOIUrl":"https://doi.org/10.36781/iqtisadie.v2i1.222","url":null,"abstract":"Jumlah penduduk Indonesia mengalami peningkatan dari tahun ke tahun akan tetapi hal ini dibarengi dengan laju pertumbuhan penduduk yang mengalami penurunan. Semakin bertambahnya  jumlah penduduk di Indoensia, semakin tidak bisa dipungkiri bahwa kebutuhan sandang atau pakaian adalah kebutuhan primer setiap orang. Hal ini terlihat jelas dari fenomena menjamurnya toko-toko retail pakaian yang dikenal dengan sebutan fast fashion. Singkatnya, fast fashion dapat dikatakan sebagai bisnis pakaian yang fokus pada produksi model terkini dalam jumlah banyak sehingga dapat dijual dengan harga yang sangat murah. Menurut The Sustainable Fashion Forum, pada 2030 konsumsi pakaian dunia diperkirakan meningkat. Di samping itu, penggunaan internet di Indonesia juga mengalami peningkatan, Hal ini merupakan suatu potensi dan kesempatan besar yang sangat menjanjikan untuk dikembangkan oleh para entrepreneurs di Indonesia untuk melakukan kegiatan usahanya melalui media digital. BERKAHOUTFIT.COM yang bertujuan untuk mewadahi penjual/pembeli pakaian berbasis akad syariah dengan system cashless.","PeriodicalId":196760,"journal":{"name":"IQTISADIE: Journal of Islamic Banking and Shariah Economy","volume":"38 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121105069","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Role Of Micro Waqf Bank In Empowering Small And Medium Enterprises In The Pesantren Environment","authors":"Ahlul Maghfiroh, Moh. Arifin, Zakiyah, Khusnul Chotimah","doi":"10.36781/iqtisadie.v2i1.224","DOIUrl":"https://doi.org/10.36781/iqtisadie.v2i1.224","url":null,"abstract":"  \u0000ABSTRAK \u0000Penelitian ini dilatar belakangi dengan kemajuan perekonomian di Indonesia yang begitu pesat. Namun tidak sedikit dari pelaku usaha mikro, kecil, dan menengah terkendala masalah modal dan beberapa pelaku UMKM merasa kesulitan dalam mengakses modal di beberapa lembaga keuangan dengan kendala surat izin usaha,  sehingga  pemerintah mendirikan Bank Wakaf Mikro agar menjadi salah satu alternatif bagi pelaku UMKM yang mengalami kekurangan modal. Pendekatan dalam penelitian ini menggunakan penelitian kualitatif deskriptif dengan cara memahami fenomena tentang apa yang dialami oleh subyek penelitian, objek penelitian ini adalah Bank Wakaf Mikro Al Fitrah Wava Mandiri Surabaya dengan teknik pengumpulan data observasi, wawancara, dan dokumentasi. Berdasarkan hasil penelitian dapat di tarik kesimpulan bahwa peran Bank Wakaf Mikro Al Fitrah Wava Mandiri dalam pemberdayaan UMKM adalah dengan memberikan pembiayaan dan pembinaan kepada nasabah BWM Al Fithrah Wava Mandiri, berkat pinjaman yang diberikan menjadi peluang bagi mereka dalam melanjutkan usahanya ataupun meng cover kekurangan modal. Pembinaan yang diberikan dapat mengontrol usaha sekaligus memberikan bantuan dalam mengatasi kesulitan yang mereka hadapi. \u0000  \u0000Kata Kunci : BWM Al Fithrah, Pelaku UMKM, Perekonomian Indonesia. \u0000  \u0000  \u0000 ABSTRAK \u0000This research is motivated by the rapid economic progress in Indonesia. But not a few of the micro, small, and medium enterprises are constrained by capital problems and some MSME actors find it difficult to access capital in some financial institutions with business license constraints, so the government established a Micro Waqf Bank to be one of the alternatives for MSME actors who experience capital shortages. The approach in this research uses descriptive qualitative research by understanding the phenomenon of what is experienced by the research subjects, the object of this research is the Al Fitrah Wava Mandiri Micro Waqf Bank Surabaya with observation, interview, and documentation data collection techniques. Based on the results of the study, it can be concluded that the role of Bank Wakaf Mikro Al Fitrah Wava Mandiri in empowering MSMEs is to provide financing and coaching to BWM Al Fithrah Wava Mandiri customers, thanks to the loans provided as opportunities for them in continuing their business or covering capital shortages. The coaching provided can control the business while providing assistance in overcoming the difficulties they face. \u0000Keywords: BWM Al Fithrah, UMKM Actor, Indonesian Economy.","PeriodicalId":196760,"journal":{"name":"IQTISADIE: Journal of Islamic Banking and Shariah Economy","volume":"438 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124253573","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PENGELOLAAN KEUANGAN PUBLIK DI INDONESIA DALAM PERSPEKTIF ISLAM","authors":"Farhadi Arifiansyah, Risma Ayu Kinanti, Duta Bintan Fitriyah","doi":"10.36781/iqtisadie.v2i1.219","DOIUrl":"https://doi.org/10.36781/iqtisadie.v2i1.219","url":null,"abstract":"Kesejahteraan ekonomi adalah tujuan setiap penyelenggara negara, pengelolaan keuangan publik dengan mekanisme yang baik sangat diperlukan. Islam memiliki konsep keuangan publik yang seimbang antara pemasukan dan pengeluaran Negara berbeda dengan konsep ekonomi modern saat ini yang cenderung menggunakan anggaran defisit. Dalam tulisan ini penulis membahas bagaimana Islam mengelola keuangan publik dan bagaimana rancangan Anggaran Perencanaan Belanja Negara di Indonesia tahun 2021 serta kesesuaian dengan konsep Islam.","PeriodicalId":196760,"journal":{"name":"IQTISADIE: Journal of Islamic Banking and Shariah Economy","volume":"95 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121744572","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"MEKANISME EKSEKUSI JAMINAN PADA PEMBIAYAAN MUSYARAKAH DI BMT NU CABANG SOCAH DALAM PERPEKTIF HUKUM ISLAM","authors":"Fajar Fajar","doi":"10.36781/iqtisadie.v2i1.220","DOIUrl":"https://doi.org/10.36781/iqtisadie.v2i1.220","url":null,"abstract":"Pada prinsipnya dalam setiap akad pembiayaan tidak diharuskan  ada jaminan, namun untuk menghidari terjadinya penyimpangan maka diperbolehkan meminta jaminan hal ini sebagaimana yang terdapat dalam fatwa DSN No. 08/DSNMUI/IV/2000 tentang Pembiayaan Musyarakah, menyatakan: ”Pada prinsipnya, dalam pembiayaan musyarakah tidak ada jaminan, namun untuk menghindari terjadinya penyimpangan, LKS dapat meminta jaminan”. Penerapan jaminan pada suatu pembiayaan merupakan hal yang wajar dan dapat dikatakan sangat penting, akan tetapi mengingat BMT merupakan lembaga yang berbasis syariah, maka sudah seharusnyalah BMT mengikuti syariat Islam tanpa terkecuali. Barang yang dijadikan jaminan dalam pembiayaan dapat berupa jaminan kebendaan dan jaminan khusus dalam bentuk kepercayaan. Adapun jaminan yang disyaratkan oleh BMT di antaranya adalah: emas, BPKB Kendaraan bermotor, Sertifikat Tanah, Dll. Oleh karena itu perlu dilakukan kajian mengenai mekanisme eksekusi jaminan. pada tulisan ini kajian terfokus pada mekanisme eksekusi jaminan pada akad musyarakah di BMT NU Cabang Socahdalam pandangan Hukum Bisnis Syari’ah.","PeriodicalId":196760,"journal":{"name":"IQTISADIE: Journal of Islamic Banking and Shariah Economy","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126702504","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"BUMDesMa KAMPUNG TANI: PEMBERDAYAAN EKONOMI MASYARAKAT BERBASIS AKAD SYARIAH DI KABUPATEN PAMEKASAN","authors":"Abd Rohman Al Hadifi, Faridatur Rosyidah, Firman Ardiansyah, Ridan Muhtadi","doi":"10.36781/iqtisadie.v1i2.171","DOIUrl":"https://doi.org/10.36781/iqtisadie.v1i2.171","url":null,"abstract":"This study aims to provide a conceptual model regarding the optimization and transformation of BUMDes into BUMDesMa through the OVOP Concept approach which is expected to provide a constructive solution in increasing the economic potential of the Pamekasan community as a farming village. In addition, in order to create a halal lifestyle climate, all BUMDes activities are based on sharia contracts. This study uses descriptive qualitative methods with secondary data collection methods obtained from literature and documentaries that have been processed. While the data analysis technique starts from editing, organizing and finding. The results showed that the optimization of the performance of BUMDes has a wider scope, not only applying the concept of one village one product, but also cooperating with several villages that have the same potential to produce a superior commodity that is more leverage so that an innovation called \"BUMDesMa Kampung Tani\" appears where there are optimization efforts by forming a community that leads to community economic empowerment, starting from the community of raw material producers, creative and innovative, marketing, and waste management. Pamekasan Regency has good potential because the community can establish cooperation starting from capital, raw material production, management, marketing, to the handling of agricultural waste generated. \u0000Keywords: BUMDesMa Kampung Tani, OVOP concept, economic empowerment, sharia contract","PeriodicalId":196760,"journal":{"name":"IQTISADIE: Journal of Islamic Banking and Shariah Economy","volume":"67 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-09-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116030313","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"KONSEP KESEJAHTERAAN PANDANGAN ULAMA KONTOMPORER","authors":"N. Arifin, Tamimah, Nida Laili Fitriyah","doi":"10.36781/iqtisadie.v1i2.168","DOIUrl":"https://doi.org/10.36781/iqtisadie.v1i2.168","url":null,"abstract":"Islamic economics, one of which aims to prosper people's lives, human welfare stated in the Qur'an is related to human enjoyment and misery in the world and the hereafter, development can be achieved if aspects of economic sovereignty and good economic governance can be realized significantly because it builds economic sovereignty, this research uses qualitative research using literature studies, the results of this study, welfare in the Islamic perspective refers to the goals of Islam, namely the implementation and maintenance of the five basic principles contained in Maqasid Syariah from everything that is destructive so as to achieve a better life and honorable in this world and in the hereafter. \u0000  \u0000Keywords: Development Economics, Welfare, Maqasid Syariah.","PeriodicalId":196760,"journal":{"name":"IQTISADIE: Journal of Islamic Banking and Shariah Economy","volume":"24 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-09-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125951894","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"DIGITALISASI FILANTROPI ISLAM PADA PESANTREN DI PULAU MADURA","authors":"Firman Ardiansyah, Fitriyana Agustin, Ridan Muhtadi","doi":"10.36781/iqtisadie.v1i2.172","DOIUrl":"https://doi.org/10.36781/iqtisadie.v1i2.172","url":null,"abstract":"The Islamic financial literacy and inclusion index in Indonesia is still relatively low. Based on data from the Financial Services Authority (OJK) in 2019 shows that the level of Islamic financial literacy is only around 8.93% and the level of Islamic financial inclusion just only around 9.1%. The low of public access to the banking will be quickly resolved by combining financial services and products using the latest technology. These efforts needs to be made, because the 5.0 industrial revolution makes it easier for people to access all information using smartphones that are connected to the internet. This decision will be a great opportunity for the Islamic finance industry to innovate digitally. The author offers digital innovation to accommodate these opportunities through the “CONTREN: (Connected Sharia Economic of Pesantren)” application which focuses on ZISWAF transactions (Zakat, Infaq, Shadaqah, Waqf) equipped with supporting features that can be enjoyed by all groups of people. The main purpose of writing this scientific paper is to analyze the normative picture of the potential for digitizing Islamic philanthropy in Madura. This study uses a descriptive qualitative method that explains the suitability of the features in the \"CONTREN\" application with the standardization of sharia financial contracts that not contain elements of maysir, gharar, tadlis, ikhtikar and usury, analyzes the implications of this digital application on literacy and sharia financial inclusion. The method of data collection in this study used secondary data obtained from literature and documentaries that had been processed. The results of the study indicate that the \"CONTREN\" digital innovation is in accordance with the concept of standardization of sharia financial contracts, and has great potential to be implemented. The conclusion obtained shows that the \"CONTREN\" innovation can increase Islamic financial literacy and inclusion in order to increase public accessibility to Islamic financial products. \u0000Keywords: Digitalization, Financial Inclusion, Financial Literacy, Islamic Boarding School, ZISWAF","PeriodicalId":196760,"journal":{"name":"IQTISADIE: Journal of Islamic Banking and Shariah Economy","volume":"115 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-09-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132393816","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}