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Anita Lestari; Ayi Muhiban

Student Scientific Creativity Journal 2026 Pusat Riset dan Inovasi Nasional

This study aims to examine the influence of price and electronic word of mouth (e-WOM) on purchase decisions among Generation Z consumers in Campaka Subdistrict, Bandung City, with a specific focus on the TikTok Shop platform. This research employs a quantitative approach using a survey method by distributing questionnaires to Generation Z consumers in Campaka Subdistrict, Bandung City, with a total of 98 respondents to collect the data. The results of the study indicate that both price and electronic word of mouth have a significant positive effect on purchase decisions among Generation Z consumers in Campaka Subdistrict, Bandung City. Price is generally perceived as good, although aspects related to price suitability based on income levels and purchasing power still show some weaknesses. Similarly, e-WOM activity is considered positive; however, there are still relatively weak aspects regarding the diversity of consumer reviews, as not all respondents actively pay attention to the variation of opinions in reviews. The findings also reveal a significant influence of these variables, where the effect of price on purchase decisions reaches 35.4%, while electronic word of mouth contributes 29.5%, and the combined effect of price and electronic word of mouth on purchase decisions is 64.9%. This study concludes that improvements in price perception and e-WOM can enhance purchase decisions.

Rahmadhea Dangrichi Noveola; Didi Yunaspi

Jurnal Kesehatan Amanah 2026 Universitas Muhammadiyah Manado

Type II Diabetes Mellitus is a chronic metabolic disorder commonly found in the elderly due to insulin resistance and impaired pancreatic hormone secretion. This condition leads to elevated blood glucose levels, physical weakness, and decreased daily activity performance, which ultimately reduces quality of life. Blood glucose control can be achieved not only through pharmacological therapy but also by applying non-pharmacological approaches such as progressive muscle relaxation therapy. This study aims to determine the effect of progressive muscle relaxation therapy on blood glucose levels in elderly patients with Type II Diabetes Mellitus. This research employed a case study method involving Mrs. A, an elderly patient experiencing hyperglycemia with a fasting blood glucose level of 247 mg/dl. The intervention was carried out over three consecutive days, consisting of progressive muscle relaxation exercises for 15–20 minutes per session, accompanied by dietary education, light physical exercise, and fall prevention guidance. Data were collected through observation, interviews, and blood glucose measurements before and after the intervention. The results showed a decrease in blood glucose level from 215 mg/dl to 158 mg/dl after three therapy sessions. The patient appeared more relaxed, experienced reduced fatigue, improved sleep quality, and demonstrated better urinary control. Conclusion: progressive muscle relaxation therapy is effective in lowering blood glucose levels and improving both physical and psychological conditions in elderly patients with Type II Diabetes Mellitus.

Anindya Salsabila Putri Yusdiana; Laqueisha Ozora Putri Lubis; Victoria Pitauli Rajagukguk

Jurnal Nakula : Pusat Ilmu Pendidikan, Bahasa dan Ilmu Sosial 2026 Asosiasi Riset Ilmu Pendidikan Indonesia

This study examines the effectiveness of the Partner in Learning model in enhancing students' collaboration skills during productive practice activities at SMKN 9 Bandung. Modern industrial demands require vocational school graduates to possess not only technical skills but also strong collaborative competencies. However, conventional teacher-centered learning approaches often limit students' opportunities for active social interaction. This research employed a qualitative descriptive approach with a case study design. Data were collected through semi-structured interviews with ten students from six different vocational programs at SMKN 9 Bandung, as well as non-participatory observation conducted during practice sessions in April 2026. Data analysis followed the interactive model of Miles, Huberman, and Saldana (2014), comprising data reduction, data display, and conclusion drawing. Source triangulation was applied to ensure data credibility. The findings reveal that the Partner in Learning model is effective in improving students' collaborative abilities, particularly in terms of active communication, teamwork, and shared responsibility in completing practice tasks. Nevertheless, challenges remain, including a classroom environment that is not yet fully conducive to open discussion and students' low initiative in independently seeking additional references. These findings imply that the success of this model depends on a supportive learning environment and strategies to foster student learning autonomy.

Ilham Gangsar Permana; Sarah Nur Falysa; Fauzan Ma'arif; Erin Safarida; Nurhaliza Nurhaliza +2 more

Jurnal Relasi Publik 2026 International Forum of Researchers and Lecturers

This study aims to analyze the implementation of public service ethics by front office officers at the Public Service Mall (Mall Pelayanan Publik/MPP) of Samarinda City and its impact on the image of government institutions. As the frontline of public service delivery, front office personnel play a strategic role in shaping public perceptions and fostering public trust in government services. This research employed a qualitative descriptive approach, utilizing in-depth interviews with a functional licensing officer at the Department of Investment and One-Stop Integrated Services (DPMPTSP) of Samarinda City, supported by direct field observations. The findings reveal that the implementation of service ethics at the Samarinda MPP is guided by the principles outlined in Law No. 25 of 2009 on Public Services and the Minister of Administrative and Bureaucratic Reform Regulation No. 15 of 2014 concerning Service Standards. These regulations emphasize the values of integrity, professionalism, accountability, responsiveness, and inclusiveness in service delivery. Furthermore, effective coordination among service tenants, continuous improvement of employee competencies, and adaptation to digital systems such as the Online Single Submission (OSS) platform have contributed significantly to maintaining service quality. The study concludes that the consistent application of public service ethics enhances citizen satisfaction, strengthens public trust, and positively influences the image of government institutions in the community.  

Salsyabilla Putri Ramadhani; Aghniyah Nawfalah; Zaskia Rahmadina; Harla Wulandina; Minarsi Minarsi +1 more

Jurnal Nakula : Pusat Ilmu Pendidikan, Bahasa dan Ilmu Sosial 2026 Asosiasi Riset Ilmu Pendidikan Indonesia

This literature study examines the procedures for developing creativity test instruments based on creative thinking indicators in educational assessment. The background of this study is driven by the limited availability of appropriate instruments that can accurately measure students’ creative thinking skills, as most existing assessments still emphasize lower-order thinking. The objective of this study is to analyze systematic procedures in developing valid and reliable creativity test instruments. The method used is a qualitative literature review of various studies on instrument development, particularly those applying Research and Development (R&D) approaches such as 4-D models. The findings show that the development process generally involves several stages, including needs analysis, formulation of test specifications, construction of items based on creative thinking indicators (fluency, flexibility, originality, and elaboration), expert validation, limited trials, and statistical analysis of validity and reliability. These indicators represent core dimensions of creative thinking that must be integrated into the instrument to ensure comprehensive measurement . The implications of this study highlight that systematic and theory-based procedures are essential to produce high-quality instruments that are valid, reliable, and practical, thereby supporting effective evaluation and fostering students’ creative thinking skills.

Widia Novia Putri; Tipa Sapitri

WISSEN : Jurnal Ilmu Sosial dan Humaniora 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

Bintan Regency, as a coastal area with a strategic geographical location as an international shipping route, is vulnerable to marine pollution caused by oil spills. Repeated incidents throughout 2023-2025 show that this problem has not been resolved. The purpose of this study is to evaluate the effectiveness of the implementation of MARPOL Annex I as a regulation that prevents pollution caused by oil spills at sea, particularly in Bintan Regency. This study identifies gaps in the implementation of regulations at the national level and formulates a more integrated form of prevention through strengthened supervision and the application of technology. The method used is a qualitative descriptive method through a literature review approach, with secondary data from scientific journals, articles, media reports, YouTube, and other supporting documents related to the incident. The results of the study show that: first, mitigation efforts are still focused on post-spill responses, such as manual cleanup involving institutions and the community. Second, weak border patrols make it difficult to find the perpetrators. Third, Bintan Regency has not utilized technology such as blockchain as a potential tool that can help prove ship compliance with MARPOL Annex I. Although MARPOL Annex I has been implemented in accordance with national regulations, its implementation has proven ineffective as spills continue to recur to this day. Therefore, changes are needed in terms of prevention through integrated maritime surveillance and the introduction of digital technology for reporting ship compliance with MARPOL Annex I in the Bintan Regency area.

Sri Yulianty Mozin; Alfiyah Agussalim; Claudia Imanuela Mogot; Nabila Lidjali; Ilyas Tuli +3 more

Jurnal Relasi Publik 2026 International Forum of Researchers and Lecturers

This study aims to analyze the influence of red tape on public satisfaction with public services in Indonesia. The research focuses on the definition of red tape, the characteristics of administrative procedures in public services, the level of public satisfaction, the influence of red tape on public satisfaction, and the factors influencing the relationship between red tape and public satisfaction. This study used a library research method with a qualitative descriptive approach. Data were obtained through collecting various literature sources such as books, scientific journals, articles, and previous research results relevant to the research topic. The results indicate that red tape is a long, complicated, and excessive bureaucratic procedure that hinders the effectiveness of public services. Furthermore, the results indicate that the quality of human resources, service transparency, bureaucratic culture, and the use of information technology are factors influencing the relationship between red tape and public satisfaction. Digitalization of public services and bureaucratic reform are important solutions to reduce red tape and improve the quality of public services in Indonesia. Thus, it can be concluded that red tape has a significant influence on the level of public satisfaction with public services. Therefore, the government needs to simplify administrative procedures and improve service quality to create effective, efficient, and community-oriented public services.

Zaky Ruzbihan

WISSEN : Jurnal Ilmu Sosial dan Humaniora 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

The phenomenon of globalization is rapidly expanding and influencing nearly every aspect of life. Foreign cultures are entering Indonesia through various digital platforms. If left unchecked, these external cultural influences could erode the nation’s identity and history. This study examines how cultural heritage and national history are increasingly being eroded by globalization, with a primary focus on the role of the digital age as a catalyst for this acceleration. The researcher employed a literature review method using a qualitative-descriptive approach. The results of the analysis are clear: the erosion of Indonesia’s cultural identity has been categorized as a non-traditional threat. This is multidimensional, transcends national borders, involves global digital corporations, and is now recognized as a threat to national security. Social media and digital platform algorithms accelerate this process, particularly among Gen Z. Ali Khamenei’s thoughts on cultural warfare are highly relevant for understanding the current situation. The impacts span numerous aspects from social stability, ideology, and the economy to politics and defense. The researchers recommend that the government strengthen cross-sectoral coordination, expand the BPIP and DPPI programs into the digital realm, revitalize cultural and history curricula, and promote local culture through more innovative methods on digital platforms.

Afdal Putra Darap

Lembaga Pengembangan Kinerja Dosen 2026 Lembaga Pengembangan Kinerja Dosen

This study aims to analyze the reconceptualization of national security in the digital era through the case of the 2021 Facebook data breach involving 533 million users across 106 countries. As digital technologies become increasingly integrated into governance, economic activities, and social interactions, cyber threats have emerged as a significant challenge to contemporary security frameworks. This research employs a qualitative descriptive approach using library research methods, drawing upon academic literature, official reports, and relevant policy documents. The findings indicate that national security has evolved from a traditional military-centered concept toward a broader and multidimensional framework that includes cyber threats as a form of non-traditional security challenge. The Facebook data breach demonstrates how cyber threats transcend geographical boundaries, involve complex attribution problems, and generate multidimensional impacts on individuals, societies, economies, and states. Through the lens of Securitization Theory developed by Buzan, Wæver, and de Wilde (1998), the incident illustrates how data security has become securitized as a matter of national and international concern. Furthermore, the Human Security framework proposed by UNDP (1994) highlights the vulnerability of individuals whose personal information becomes exposed in the digital environment. This study concludes that cybersecurity should be recognized as a fundamental pillar of national security in the digital age, requiring comprehensive strategies that integrate technological resilience, data protection regulations, human resource development, and international cooperation.

Minarsi Tihua; Widiastuti Ardiansyah; Susan Mokoolang; Ishak Korompot

Student Scientific Creativity Journal 2026 Pusat Riset dan Inovasi Nasional

This study examines the role of extension agents in supporting the success of beef cattle farmer groups in Tabongo District, Gorontalo Regency. The success of farmer groups is influenced not only by livestock potential, but also by the effectiveness of extension services, institutional capacity, and farmers’ willingness to adopt improved farming practices. Using an explanatory approach, the study collected primary data from 50 members of beef cattle farmer groups across nine villages through a Likert-scale questionnaire. Data were analyzed using descriptive statistics, validity and reliability tests, classical assumption tests, and multiple linear regression. The descriptive findings show that extension agents performed well as educators, facilitators, motivators, dynamizers, and catalysts. However, the catalyst role was excluded from the regression model because its indicators were invalid. Partially, only the motivator role had a significant effect on group success, with a coefficient of 1.683, t-value of 4.758, and significance value of 0.000. The educator, facilitator, and dynamizer roles showed positive but insignificant effects. Simultaneously, the roles of extension agents significantly influenced group success, with an F-value of 9.474 and significance value of 0.000. The R Square value of 0.457 indicates that extension agents explained 45.7% of group success.

D. Rupindara, Kriatian; Lukas Benu , Fredrik; Huri Wulakada, Hamza

Jurnal Riset sosial humaniora, dan Pendidikan (Soshumdik) 2026 LPPM Universitas 17 Agustus 1945 Semarang

The Family Hope Program (Program Keluarga Harapan/PKH) is Indonesia's primary conditional cash transfer (CCT) scheme for poverty alleviation. This study examines PKH effectiveness in improving household welfare among beneficiaries in Oebobo District, Kupang City, East Nusa Tenggara (NTT), employing a Three-Stage Least Squares (3SLS) simultaneous equation approach. The analysis integrates a Gender Equality, Disability, and Social Inclusion (GEDSI) perspective to evaluate Access, Participation, Control, and Benefit (APCB) dimensions for vulnerable groups. A mixed-methods explanatory sequential design was applied to 151 beneficiary households selected via proportional sampling across three urban sub-districts. The 3SLS estimations establish that targeting accuracy (X1) and economic empowerment (X3) are the most significant determinants of PKH effectiveness; PKH effectiveness (Y1) strongly shapes household governance (Y2) through the Family Capacity Building Meetings (P2K2) mechanism; and PKH effectiveness is the dominant determinant of household welfare (Y3), with a near-unity coefficient (β=0.97). GEDSI analysis reveals that female-headed households, the elderly, and persons with disabilities face compounding vulnerabilities inadequately addressed by current program design. The study recommends strengthening data verification systems, embedding economic empowerment as a core pillar, and adopting differentiated targeting based on intersectional vulnerability profiles.

Vina Oktavia; Evi Priyanti; Rahman Rahman

Journal of Management and Social Sciences (JIMAS) 2026 Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

This study aims to examine flood disaster mitigation efforts carried out by the Regional Disaster Management Agency in Sukamakmur Village, Karawang Regency. This research employed a qualitative method with a case study approach. The theory used in this study is the Strategy Theory proposed by James Brian Quinn (2003:10), which consists of three dimensions: objectives, policies, and programs. The study identifies problems related to flood disasters that occur almost every year in Sukamakmur Village. To address these issues, it is necessary to analyze the mitigation efforts implemented by the Regional Disaster Management Agency (BPBD), as well as the related policies and programs concerning flood disasters. The findings show that the objective of disaster mitigation is directed toward improving community preparedness and capacity in dealing with flood risks. Mitigation policies are implemented through strengthening community capacity based on non-structural mitigation, such as the establishment of Disaster Resilient Villages (DESTANA), village disaster volunteers, and disaster risk assessments. The mitigation programs carried out include disaster awareness socialization, mitigation training, and dissemination of daily weather information. In its implementation, BPBD also coordinates with the village government, sub-district task forces, and the River Basin Management Agency (BBWS). These mitigation programs have had a positive impact on increasing community knowledge, preparedness, and participation, although there are still obstacles in the form of limited budgets, infrastructure, human resources, and suboptimal cross-sector coordination. The contribution of this research is to provide additional insight and new information regarding the role of the Regional Disaster Management Agency in flood disaster mitigation.

Dhafin Fathur Rozi; David Sukardi Kodrat

Journal of Management and Social Sciences (JIMAS) 2026 Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

The increase in internet users in Indonesia presents a significant opportunity for business actors to market products through digital marketing, which allows transactions anytime and anywhere and influences purchasing decisions through complete and real-time product information. In addition, impulsive buying behavior, especially in areas like Ponorogo, which is rich in quality rice products with attractive discounts, also contributes to increased sales, impacting customer satisfaction, loyalty, and long-term customer value. Therefore, this study aims to examine the influence of digital marketing, product information, and impulse buying on purchasing decisions, as well as the ability of purchasing decisions to mediate the effect of digital marketing, product information, and impulse buying on marketing performance. This study uses a quantitative approach with a research sample of 104 respondents who are consumers of rice products in the Legi Ponorogo market. The data collection technique employed a questionnaire distributed online. The data analysis technique used is SEM PLS. The results of the study indicate that digital marketing and product information affect purchasing decisions, whereas impulse buying does not affect purchasing decisions. Furthermore, purchasing decisions have an impact on marketing performance. The results of the indirect effect show that purchasing decisions mediate the influence of digital marketing and product information on marketing performance, while purchasing decisions do not mediate the influence of impulse buying on purchasing decisions.

Sandi Nur Fathana Laliasa; Yaltafit Abror Jeem; Vita Widyasari

Jurnal Kesehatan Amanah 2026 Universitas Muhammadiyah Manado

This study analyzed trends in the prevalence, incidence, and burden of Diabetes Mellitus in Indonesia from 2021 to 2023 and identified geographic disparities across provinces. A descriptive-analytical approach was applied using standardized Global Burden of Disease data to assess changes in prevalence and disease impact measured by Disability-Adjusted Life Years. The results indicated a consistent increase in the prevalence of Diabetes Mellitus over the study period, with substantial variation between provinces. Regions with higher prevalence experienced a greater disease burden compared to low-prevalence areas, although a gradual decline in Disability-Adjusted Life Years was observed. These findings suggested improvements in disease management and complication prevention, while inequalities in health service access and socioeconomic conditions continued to influence regional differences. This study concluded that Diabetes Mellitus remained a major public health challenge in Indonesia and required more targeted, region-specific control policies emphasizing prevention, early detection, and strengthening of primary health care services to reduce disparities and future disease burden.

Eva Malina Simatupang; Arlina Pratiwi Purba; Nurlinda Nurlinda; Angelia Maharani Purba; Mardelia Desfrida

Jurnal Pengabdian Masyarakat 2026 Lembaga Pengembangan Kinerja Dosen

This community service activity aimed to improve financial literacy and family financial management skills based on priority scales among housewives in the pandan mat weaving artisan community in Sei Balai District, Batubara Regency, North Sumatra Province. The main problems faced by the community partners included limited understanding of simple financial record-keeping, the absence of separation between business and household finances, and low saving habits due to fluctuating income levels. The implementation method employed a participatory approach through observation, lectures, interactive discussions, household budgeting practices, and simple financial recording training. The results of the activity indicated that participants experienced an improvement in their understanding of the importance of distinguishing between needs and wants, arranging expenditure priorities, and developing saving habits as well as preparing family emergency funds. In addition, participants also began to recognize the importance of financial record-keeping as an effort to control household expenditures more effectively and efficiently. The participants’ enthusiasm throughout the program demonstrated that the materials delivered were highly relevant to community needs. Therefore, this outreach activity contributed positively to enhancing family financial management capabilities and supporting the economic well-being of the pandan mat weaving artisan community.

Nadila Afriliana; Muhammad Zainul Majdi; Pahrudin Pahrudin

JURNAL RISET AKUNTANSI 2026 Institut Teknologi dan Bisnis (ITB) Semarang

This study is motivated by the importance of effective credit management in ensuring the sustainability of savings and loan cooperatives, particularly in reducing non-performing loans. Differences in credit management practices across cooperatives represent a relevant issue, especially in balancing formal system-based approaches and trust-based social mechanisms. This study aims to analyze and compare credit management practices in preventing loan defaults at Koperasi Murah Hati and Koperasi Patuh Karya in East Lombok Regency. A qualitative approach with a comparative design was employed. Data were collected through in-depth interviews, observation, and documentation involving cooperative management and borrowing members, and analyzed using data reduction, comparative tabulation, and descriptive-analytical interpretation. The findings reveal that Koperasi Murah Hati applies a trust-based approach characterized by simplified procedures without collateral and field verification, while Koperasi Patuh Karya implements a more formal system through administrative verification, feasibility assessment, and collateral requirements. However, Koperasi Murah Hati shows a lower non-performing loan rate (3.7%) compared to Koperasi Patuh Karya (10.5%). These findings indicate that effective credit management is influenced not only by formal systems but also by social factors such as trust and communication.

Ambo Masse; Muhammad Wahyudi Mokobombang

Eksekusi: Jurnal Ilmu Hukum dan Administrasi Negara 2026 Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

The urgency of this research lies in the increasing risk of flooding and air pollution in Makassar City due to rapid urbanisation and the uncontrolled growth of motorised vehicles. The purpose of this study is to analyse the potential of urban planning and sustainable mobility policies in reducing disaster risks and environmental impacts, and to formulate more adaptive and data-driven policy strategies. This study uses qualitative methods by collecting data through interviews, documentation, observation, and focus group discussions (FGDs). Key informants include the Environmental Agency, the Spatial Planning Agency, and the Makassar Regional Disaster Management Agency (BPBD), which have strategic roles in spatial planning policies, environmental management, and disaster mitigation. The study findings indicate that flood risk and air pollution in Makassar City are complex problems influenced by population growth, land conversion, vehicle density, limited drainage, climate change, and industrial waste. Although various urban planning policies have been implemented, their effectiveness remains limited due to implementation constraints. Therefore, an integrated approach that combines adaptive urban planning, environmentally friendly mobility, effective waste management, and community participation is needed. With a systemic and coordinated strategy, Makassar has the potential to reduce flood risk, reduce pollution, and create a safer, healthier, and more sustainable urban environment.

Agustina Eka Harjanti; Heni Risnawati; Dian Rosita; Tuti’ Nadhifah; Ataki Zuama Nailufar +1 more

JURNAL RISET AKUNTANSI 2026 Institut Teknologi dan Bisnis (ITB) Semarang

This journal examines the influence of the level of understanding, environmental concern, and management support on the implementation of Sharia-based green accounting in tofu MSMEs in Kudus Regency. The study uses a mixed method, combining qualitative and quantitative approaches, where the qualitative approach is used to understand the phenomena in depth, while the quantitative approach is used to empirically test the relationships between variables. The environmental concern variable is used as a mediator to analyze the indirect effect of the level of management understanding and support on the implementation of Sharia-based green accounting. The study sample consisted of 100 respondents spread throughout Kudus Regency. The results indicate that the level of management understanding and support significantly influence environmental concern. In addition, the level of understanding and concern for the environment has also been proven to affect the implementation of Sharia-based green accounting. However, management support does not have a direct impact on the implementations of Sharia-based green accounting. Environmental concern has been proven to act as a mediating variable that strengthens the influence of the level of management understanding and support for the implementation of Sharia-based green accounting. Overall, these findings confirm that improving understanding and concern for the environment is a key factors in encouraging the implementation of environmentally-based accounting practices that comply with Sharia principles in tofu MSMEs.

Zinan, Luheinul; Bajuri, Imam

Jurnal Riset sosial humaniora, dan Pendidikan (Soshumdik) 2026 LPPM Universitas 17 Agustus 1945 Semarang

This study was motivated by the low basic multiplication skills of third-grade elementary school students, particularly in conceptual understanding, calculation accuracy, and problem-solving abilities. The objective of this study was to determine the effect of the Jarimatika method combined with the Problem Based Learning (PBL) model on students’ basic multiplication skills. This study employed a quantitative approach using a one-group pretest-posttest design. The participants were 30 third-grade students of SD Negeri Sukanegara. Data were collected through pretest and posttest instruments that had been tested for validity and reliability. The results showed a significant improvement in students’ multiplication skills after the treatment, as indicated by the increase in the mean score from 55.17 in the pretest to 80.00 in the posttest. The paired sample t-test analysis revealed a significant difference between pretest and posttest scores (t = -10.951, p = 0.000 < 0.05). The findings indicate that the implementation of the Jarimatika method combined with the Problem Based Learning (PBL) model effectively improves students’ basic multiplication skills and supports more active and meaningful mathematics learning.

Abdul Husain Natsir; Nasrullah Sapa

Journal of Management and Social Sciences (JIMAS) 2026 Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

The rapid development of financial technology (fintech) in the digital era presents both opportunities and challenges for the Islamic economic system. This study aims to analyze the concept of Islamic fintech, its role in digital economic transformation, and its legal review from the perspective of Islamic economic law (fiqh muamalah). Using a qualitative method with a normative juridical approach, this research examines various fintech models operating on sharia principles—including Islamic peer-to-peer (P2P) lending, digital Islamic crowdfunding, sharia payment gateways, and Islamic robo-advisory—and reviews their compliance with the principles of prohibition of riba (usury), gharar (excessive uncertainty), maysir (gambling), and the requirement of maslahah (public benefit). The results indicate that: (1) Islamic fintech represents a legitimate financial innovation insofar as it adheres to the principles of sharia; (2) the National Sharia Council–Indonesian Ulema Council (DSN-MUI) fatwas, particularly No. 117/DSN-MUI/II/2018 on Information Technology-Based Financing Services, provide a regulatory framework but require continuous updating to keep pace with technological developments; (3) Islamic fintech contributes significantly to financial inclusion, particularly for unbanked communities in Indonesia; and (4) challenges related to sharia compliance, data governance, and regulatory harmonization remain critical issues requiring the joint attention of regulators, sharia scholars, and technology practitioners. This study contributes to the development of Islamic economic law theory in the context of digital transformation and provides practical recommendations for Islamic fintech stakeholders.