https://ejournal.steialfurqon.ac.id/index.php/adl/issue/feed 2026-09-08T22:50:18+00:00 Sekolah Tinggi Ekonomi Islam (STEI) Al-Furqon Prabumulih rikarahmadinaputri@steialfurqon.ac.id Open Journal Systems <p><strong>ADL ISLAMIC ECONOMIC : Jurnal Kajian Ekonomi Islam</strong>&nbsp;is a scientific journal published in print and online. This journal is published by the Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih. This journal is published every six months in April and October.</p> https://ejournal.steialfurqon.ac.id/index.php/adl/article/view/158 2026-08-26T02:08:13+00:00 Hairun Nisa hairunnisaiaiqi@gmail.com Desi Arisandy desiarisandy742@gmail.com Darsi Ahmadan darsiahmadan@uqi.ac.id Mudzakir Ilyas mudzakir@steialfurqon.ac.id

<p><em>Financial technology has changed zakat and waqf management by expanding payment access, accelerating records, supporting digital campaigns, and enabling crowdfunding and transaction traceability. This article analyzes the managerial role of fintech in zakat and waqf through library research with a descriptive-analytical approach. Relevant peer-reviewed studies were reviewed through documentation, classification, interpretation, and thematic synthesis. The findings show that ease of use alone does not guarantee sustainable adoption. Digital services must be supported by literacy, institutional trust, sharia compliance, cybersecurity, professional human resources, and integrated data. In zakat management, fintech is effective when collection channels are connected to payer records, beneficiary targeting, distribution monitoring, and impact reporting. In waqf management, fintech must also preserve the principal asset, disclose project risks, report investment performance, and ensure the continuity of benefits. Blockchain and smart contracts may strengthen traceability and automation, but their value depends on reliable off-chain data and accountable governance. Fintech should therefore be developed as an end-to-end governance infrastructure rather than merely a digital payment instrument.</em></p>

2026-08-26T00:00:00+00:00 Copyright (c) 2026 ADL ISLAMIC ECONOMIC https://ejournal.steialfurqon.ac.id/index.php/adl/article/view/159 2026-09-08T22:50:18+00:00 ratna ratna ratna@uqi.ac.id Nia Andria Erzah niaandriaerzah@uqi.ac.id Meirina Alkhoiriah Eka Putri meirinaalkhoiriahekaputri@uqi.ac.id Hairun Nisa hairunnisa@uqi.ac.id Muhammad Yusup muhammadyusup@uqi.ac.id

<p><em>Islamic microfinance institutions must expand outreach while preserving liquidity, solvency and Sharia integrity. This article examines whether murabahah, mudharabah and musyarakah portfolio composition is associated with the financial resilience of Indonesian Lembaga Keuangan Mikro Syariah (LKMS). Using a province-period panel of 200 observations and a complementary legal-form product-mix layer, the study shows that LKMS resilience is heterogeneous across regions and funding structures. Larger provincial systems extend more financing but hold thinner equity buffers. Product-mix evidence suggests that diversification is resilience-enhancing only when matched with governance, liquidity and borrower-monitoring capacity. The article advances a fit-based theory of resilient Islamic microfinance.</em></p>

2026-09-08T22:50:18+00:00 Copyright (c) 2026 ADL ISLAMIC ECONOMIC