Pusat Jurnal UIN Ar-Raniry (Universitas Islam Negeri)
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STUDI KEARIFAN LOKAL MASYARAKAT NELAYAN DALAM UPAYA PEMANFAATAN BERKELANJUTAN TERHADAP KONSERVASI LAUT DI KAWASAN LAMPULO KOTA BANDA ACEH
No full textAbstract: Fisheries sector, where in Aceh is a considerable amount of natural resource, has become a significant economic contributor for fishermen in particular and people of the province of Aceh. More than 55% of Aceh’s population depends on it both directly and indirectly. Therefore, it should be a priority for development in the province of Aceh and develop a positive impact on the widespread economic development in the region. While recognizing its economic values, research on how lokal fishermen’s communities use marine conservation in TPI Lampulo Banda Aceh to improve their awareness of marine conservation and its use sustainably is still largely lacking. This study, hence, aims to shed lights what sort of lokal wisdom is employed by the community. The approach in the study was the whole fishing community at the surrounding of TPI Lampulo along with five seas and two village sets. The sample in this study was 20 people, 14 people were fishermen, 2 seamen, 1 sea marshal, 1 village secretary and 1 village chief. Data are gathered through interviews and observations. Research suggest that the lokal wisdom of the fishing community in TPI Lampulo on ocean conservation is among other things: firstly, Taking care of the coastal environment like the mangrove forest use. Next, Fishing techniques that do not damage the ecosystems around the ocean coast, and than, Rules enforcement. Finally, and customary witnesses for breaking those rules have been in place for a long time. All of those remains maintained by the people especially the fishing community in TPI Lampulo.Keywords: Lokal Culture; Sustainable Utilization; Marine Conservation.Abstrak: Provinsi Aceh merupakan salah satu provinsi yang memiliki potensi kekayaan sumber daya alam yang cukup besar terutama disektor perikanan. Sumber daya perikanan telah menjadi salah satu sektor andalan bagi nelayan dan masyarakat di provinsi Aceh. Lebih dari 55% penduduk Aceh tergantung pada sector ini baik langsung maupun tidak langsung, pengembangan sektor perikanan harus menjadi salah satu prioritas pembangunan di provinsi Aceh sehingga memberikan dampak positif bagi perkembangan ekonomi secara luas di kawasan ini. Permasalahan dasar dalam penelitian adalah’ bagaimana kearifan lokal masyarakat nelayan dalam upaya pemanfaatan konservasi laut di TPI Lampulo Banda Aceh dalam rangka meningkatkan bentuk kesadaran masyarakat nelayan terhadap menjaga konservasi laut dan pemanfaatannya. Penelitian ini bertujuan untuk mengetahui bentuk kearifan lokal. Pendekatan dalam penelitian ini adalah pendekatan kualitatif dengan jenis penelitian deskriftif. Yaitu dengan menggunakan metode observasi dan wawancara terhadap responden, sedangkan populasi dalam penelitian ini adalah seluruh masyarakat nelayan yang berada di TPI Lampulo beserta panglima laot dan dua perangkap Desa. Sampel dalam penelitian ini berjumlah 20 orang yaitu 14 orang masyarakat nelayan, 2 orang pawang laut, 1 orang panglima laot, 1 orang sekretaris desa dan satu orang kepala desa. Data dikumpulkan melalui wawancara dan observasi. Hasil penelitian menunjukkan bahwa terdapat empat kearifan lokal masyarakat nelayan di TPI Lampulo terhadap konservasi laut antara lain. Pertama, mengatur berbagai hal seperti pemanfatan hutan mangrove, selanjutnya, penangkapan ikan yang tidak boleh menganggu ekosistem di sekitar pesisir laut, berikutnya, aturan-aturan yang boleh dikerjakan dan ada aturan yang tidak boleh dikerjakan. Dan terakhir sangsi adat apabila ada yang melanggar, aturan-aturan tersebut sudah ditetapkan sejak lama. dan hingga saat ini masih dipertahankan oleh masyarakat khususnya masyarakat nelayan yang berada di TPI Lampulo.Kata Kunci: Kearifan Lokal; Pemanfaatan Berkelanjutan; Konservasi Laut
PEMIKIRAN KIAI SAHAL MAHFUDH TENTANG PERAN PUBLIK PEREMPUAN DI ERA MILENIAL
No full textAbstract: This research investigates Kiai Sahal Mahfudh opinion about the public roles of women in the recent era. This discourse becomes interesting for some authors since there are still some Muslim people who discriminates the role of women and place women as domestic resident. These contemporary issues about the role of women in public scope become a fascinating issue to be discussed among the educational activist. For instance, how is the law of a woman who becomes a leader? Whether or not if a woman is allowed to have a carrier in the political and entrepreneur field, or even becomes a foreign labour? This matter still produces different point of views and opinions among the people. To some extend it is considered as completely haram by showing some of their arguments, while to some others it is considered as halal because of some fundamental reasons. These two different opinions are the reasons why the researcher feels like to initiate the research by collaborating Kiai Sahal Mahfudh opinion in answering such matter as well as knowing the methodology of his thought. This research uses qualitative research with library research approach. The result of the research proves that the three methods of Kiai Sahal Mahfudh’s opinion make women’s rights are preserved as what is in the Islamic teachings, so that women can play their public role in the millennial era.Keywords: Kiai Sahal Mahfudh Thought; Women’s Public Roles; Millennial Era.Abstrak: Tulisan ini mengkaji pemikiran Kiai Sahal Mahfudh tentang peran publik perempuan di era milenial, yang mana diskursus ini menjadi begitu menarik bagi penulis sebab masih ada sebagian orang Islam yang masih mendiskriminasikan peran perempuan dan memposisikan perempuan sebagai manusia domestik. Isu-isu kontemporer tentang peran perempuan di dunia publik menjadi tema yang menarik untuk dikonsumsi civitas akademik. Misalnya, bagaimana hukum perempuan menjadi pemimpin? Apakah boleh dalam Islam, perempuan (istri) berkarir di dunia politik, entrepreneurship, bahkan menjadi TKW?. Problematika tersebut masih menimbulkan silang pendapat, ada yang mengatakan tidak boleh (haram) secara mutlak dengan memaparkan argumentasinya. Di sisi lain juga ada yang menyampaikan boleh (halal) disebabkan beberapa alasan yang fundamental. Dari dua silang pendapat itulah penulis merasa terpanggil untuk mengelaborasi pemikiran Kiai Sahal Mahfudh dalam menjawab problematika tersebut sekaligus mengetahui metodologi berpikirnya. Penelitian ini menggunakan jenis penelitian kualitatif dengan pendekatan library research. Hasil dari penelitian ini adalah bahwa ketiga metodologi pemikiran Kiai Sahal Mahfudh inilah yang menjadikan hak-hak perempuan dapat terjaga sebagaimana yang ada dalam syariat Islam sehingga perempuan dapat memainkan peran publiknya di era milenial.Kata Kunci: Pemikiran Kiai Sahal Mahfudh; Peran Publik Perempuan; Era Milenial
DUKUNGAN SOSIAL MASYARAKAT TERHADAP ANAK PENDERITA KANKER DI RUMAH SINGGAH CHILDREN CANCER CARE COMMUNITY (C-FOUR)
No full textAbstract: Cancer is a deadly disease in the world, cancer can affect anyone, of any age and gender. Every cancer patient needs strength such as social support from family and the environment around them. This research focuses on the social support of the surrounding community given to children with cancer at the C-Four shelter, the encouragement given by the surrounding community will have a major effect on the recovery of children with cancer. The purpose of this study is to determine the social support of the surrounding community for children with cancer. The method used is a qualitative research method with descriptive methods, interviews, observation and research documentation. The informants in this study were the community of Bandar Baru village, the village secretary of Bandar Baru village, the founder or chairman of the C-Four foundation and parents of cancer patients at the C-Four shelter. The results showed that the community provides very high social support to parents and children with cancer at the halfway house, but there are also a few people who still have obstacles in providing social support.Keywords: Social Support; Child; Cancer Patients.Abstrak: Kanker merupakan suatu penyakit yang mematikan di dunia, kanker dapat menyerang siapa saja, dari berbagai usia dan jenis kelamin. Setiap penderita kanker membutuhkan kekuatan seperti dukungan sosial dari keluarga maupun lingkungan sekitar mereka. Penelitian ini berfokus pada dukungan sosial masyarakat sekitar yang diberikan kepada anak penderita kanker di rumah singgah C-Four, dorongan yang diberikan oleh masyarakat sekitar akan berpengaruh besar terhadap kesembuhan anak penderita kanker. Tujuan dari penelitian ini adalah untuk mengetahui dukungan sosial masyarakat sekitar terhadap anak penderita kanker. Metode yang digunakan adalah metode penelitian kualitatif dengan metode deskriptif, wawancara, observasi dan dokumentasi penelitian. Informan pada penelitian ini adalah masyarakat Gampong Bandar Baru, Sekdes Gampong Bandar Baru, pendiri atau ketua yayasan C-Four dan orang tua penderita kanker di rumah singgah C-Four. Hasil penelitian menunjukkan bahwa masyarakat memberikan dukungan sosial yang sangat tinggi kepada orang tua dan anak penderita kanker di rumah singgah, namun juga ada sedikit banyaknya masyarakat yang masih memiliki hambatan dalam memberikan dukungan sosial.Kata Kunci: Dukungan Sosial; Anak; Penderita Kanker
SISTEM PEWARISAN NILAI-NILAI BUDAYA LOKAL KALENDER MUSIM MASYARAKAT NELAYAN REMBANG
No full textAbstract: The preservation of the calendar of season must be maintained as the evidence of culture whose its continuity must not to be lost. This research aims to undertand and analyze the system of inheritance of local values regarding the calendar of season among local fisherman community in Rembang Resident. The research was conducted with qualitative study case approach. The data collection of this research was conducted using in-depth interview, FGD (Focus Group Discussion), observation, as well as the library study and documentation. The data analysis technique was utilized with the Miles and Huberman model analysis technique which includes three stages, such as data reduction, data presetation, and drawing conclusion. The result shows that the knowledge of calendar of season was obtained from many sources, that is from parents, grandfather, uncle, in-law, and fellow fisherman. The inheritance process was done through three transmission routes, that is vertical, oblique, and horizontal transmission. Verbal transmission and direct practical teaching is used as inheritance method when they go to sea. In practice, the inheritance process is carried out verbally and not documented. The passing on of knowledge of the calendar of season aims to help the generation in running their activities on the sea.Keywords: Inheritance; Local Wisdom; Season Calendar.Abstrak: Kelestarian dari kalender musim harus tetap dijaga sebagai sebuah bukti budaya yang keberlangsungannya tidak boleh hilang. Penelitian ini bertujuan untuk mengetahui dan menganalisis sistem pewarisan nilai-nilai lokal tentang kalender musim pada kelompok nelayan lokal di Kabupaten Rembang. Penelitian dilakukan dengan pendekekatan kualitatif studi kasus. Teknik pengumpulan data dilakukan dengan wawancara mendalam, FGD (Focus Group Discussion), observasi, serta studi pustaka dan dokumentasi. Teknik analisis data yang digunakan adalah analisis model Miles and Huberman yang meliputi tiga tahapan yaitu reduksi data, penyajian data dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa pengetahuan kalender musim didapatkan dari banyak sumber yaitu dari orang tua, kakek, paman, mertua, dan teman sesama nelayan. Proses pewarisan dilakukan melalui tiga jalur transmisi yaitu melalui transmisi vertikal, transmiri miring, dan transmisi horizontal. Metode pewarisan yang digunakan yaitu penyampaian secara lisan dan pengajaran/praktik langsung ketika diajak melaut. Proses pewarisan tersebut dalam praktiknya dilakukan secara verbal/lisan dan tidak terdokumentasikan. Pewarisan pengetahuan kalender musim bertujuan untuk membantu generasi tersebut dalam menjalankan aktivitasnya dalam melaut.Kata Kunci: Pewarisan; Kearifan Lokal; Kalender Musim.
THE ROLE OF THE VILLAGE GOVERNMENT IN EMPOWERING THE COMMUNITY TOWARDS WASTE MANAGEMENT IN GAMPONG JAWA - BANDA ACEH CITY
No full textThe Gampong government has an important role in empowering the community. This is the case with the Gampong Jawa government, which empowers community groups to manage waste. This research aims to discover the role played by the village government in empowering the community towards waste management in Gampong Jawa, Banda Aceh City. In this study, researchers used qualitative research methods with a descriptive approach. The data sources obtained are primary data from direct interviews with 5 informants in Gampong Jawa Banda Aceh City and secondary data collected from the field and library supporting documents. The data collection techniques used in this research are observation, interviews, and documentation sent directly to the research location. From the results of the study, it can be concluded that the role of the village government in waste management is very necessary for community empowerment of the surrounding environment. Then, the results of the discussion state that the village government's lack of participation and supervision in waste management by the community is a problem. The village government pays little attention to waste management groups in Gampong Jawa. The form of attention of the Gampong government only facilitates transportation facilities, such as garbage trucks and rickshaws, in waste management by the community
ZISWAF MANAGEMENT IN THE DEVELOPMENT OF DA'WAH PROGRAMS BASED ON SOCIAL WELFARE AT LAZ ULIL ALBAB MEDAN
No full textThis study aims to examine the management of zakat, infaq, and alms (ZISWAF) in the development of da'wah programs at LAZ Ulil Albab, as well as the development of da'wah programs based on social welfare. This study applies a descriptive qualitative methodology. The SWOT analysis method is used to analyze the strengths, weaknesses, opportunities, and threats faced by LAZ Ulil Albab in managing ZISWAF funds. The data used were obtained through observation, documentation, and interviews to provide a comprehensive picture of the zakat fund management process and the implementation of da'wah programs aimed at improving social welfare. The results of the study indicate that LAZ Ulil Albab has successfully managed ZISWAF funds transparently and effectively and has developed various da'wah programs that have a positive impact on the welfare of the mustahik, such as scholarships, food aid, and free medical treatment. However, there are obstacles in delivering information to the public about the need to pay zakat through institutions and the development of zakat digitalization. The findings of this study provide recommendations to LAZ Ulil Albab for the development of more targeted policies and strategies aimed at empowering the community and increasing the success of achieving the objectives of zakat in accordance with Islamic teachings and the principles of social justice
Islamic Banking and Agricultural Development in Aceh: A Strategic Partnership Model Using ANP Methodology
No full textThe persistent challenges to farmer welfare in Aceh, Indonesia, stem from interconnected internal and external constraints. Bank Aceh Syariah (BAS) has emerged as a pivotal institution in addressing these issues through partnership-driven empowerment models. This study develops a comprehensive empowerment framework leveraging BAS strategic role to enhance agricultural sustainability and farmer livelihoods. Employing a mixed-methods approach, it integrated qualitative interviews with multi-stakeholder perspectives (academics, government agencies, farming communities, and BAS policymakers) into an Analytic Network Process (ANP) analysis using Super Decisions Software 3.10. The findings identify significant internal barriers, such as knowledge deficits, limited access to technology, and innovation stagnation, alongside external challenges like climate risks, market volatility, and restricted access to Islamic financial services. The study highlights the interdependent dynamics of socioeconomic, environmental, and institutional factors shaping agricultural development. The proposed strategic framework emphasizes coordinated actions in resource distribution, policy alignment, and market integration, facilitated through strengthened BAS-farmer partnerships. This research contributes to the discourse on sustainable agricultural ecosystems by offering actionable recommendations for policymakers, emphasizing the critical role of integrated financial and institutional strategies in fostering resilience and development.========================================================================================================ABSTRAK - Perbankan Syariah dan Pembangunan Pertanian: Model Kemitraan Strategis dengan Metode ANP. Kesejahteraan petani di Aceh, Indonesia, terus menghadapi tantangan yang kompleks akibat berbagai hambatan internal dan eksternal yang saling terkait. Bank Aceh Syariah (BAS) telah berperan sebagai institusi strategis dalam upaya mengatasi permasalahan tersebut melalui implementasi model pemberdayaan berbasis kemitraan. Penelitian ini merumuskan sebuah kerangka pemberdayaan yang komprehensif dengan memanfaatkan peran strategis BAS untuk meningkatkan keberlanjutan sektor pertanian sekaligus kesejahteraan petani. Dengan menerapkan pendekatan metode campuran, penelitian ini mengintegrasikan wawancara kualitatif dari berbagai pemangku kepentingan—meliputi akademisi, instansi pemerintah, komunitas petani, dan pembuat kebijakan BAS—ke dalam analisis Analytic Network Process (ANP) menggunakan perangkat lunak Super Decisions 3.10. Hasil analisis mengidentifikasi hambatan internal utama, seperti kesenjangan pengetahuan, keterbatasan akses terhadap teknologi, dan minimnya inovasi, serta tantangan eksternal berupa kerentanan terhadap perubahan iklim, ketidakstabilan pasar, dan akses yang terbatas ke layanan keuangan syariah. Temuan penelitian ini mengungkapkan adanya keterkaitan yang erat antara faktor sosial-ekonomi, lingkungan, dan kelembagaan yang memengaruhi pembangunan sektor pertanian. Kerangka strategis yang dihasilkan menekankan pentingnya intervensi terkoordinasi dalam alokasi sumber daya, harmonisasi kebijakan, dan penguatan akses pasar melalui kemitraan yang diperkuat antara BAS dan petani. Penelitian ini menegaskan urgensi pendekatan finansial-kelembagaan yang terintegrasi untuk menciptakan ekosistem pertanian yang tangguh serta memberikan rekomendasi strategis yang relevan bagi pembuat kebijakan dalam mendukung inisiatif pembangunan berkelanjutan
Sharia Auditing in Zakat Institutions: Challenges and Prospects in Indonesia
No full textEnsuring Sharia compliance within religious institutions, particularly zakat institutions, is imperative to safeguarding their credibility, maintaining public trust, and mitigating significant legal and reputational risks. While prior research has extensively explored Islamic banking regulations, limited scholarly attention has been given to the governance and auditing frameworks of zakat institutions. This study explores how zakat authorities regulate and operate to enforce adherence to Islamic principles, addressing a key gap in research, which has mostly focused on Islamic banking. Using a qualitative approach, the study is based on interviews with 35 key stakeholders, including representatives from Indonesia’s Ministry of Religious Affairs (MoRA), Sharia auditors, and practitioners from both state-regulated (BAZNAS) and non-state (LAZ) zakat institutions. The findings highlight the evolving nature of Sharia auditing, which involves both internal Sharia supervisors and external auditors from the MoRA. However, challenges persist, particularly in clearly separating financial audits from Sharia audits, which affects their effectiveness. The findings indicate that Sharia auditing remains in a nascent phase, with its current implementation largely serving administrative formalities rather than fostering substantive enhancements in compliance. This study advocates for urgent scholarly and practical efforts to refine Sharia auditing frameworks, ensuring they transcend procedural checklists and actively strengthen institutional adherence to Islamic ethical and legal standards.======================================================================================================== ABSTRAK - Audit Syariah dalam Lembaga Zakat: Tantangan dan Prospek di Indonesia. Kepatuhan terhadap prinsip syariah dalam institusi keagamaan, khususnya organisasi zakat, sangat penting untuk menjaga kredibilitas, kepercayaan publik, serta menghindari risiko hukum dan reputasi yang signifikan. Meskipun penelitian sebelumnya telah banyak menyoroti regulasi perbankan Islam, kajian mengenai tata kelola dan audit syariah dalam lembaga zakat masih sangat terbatas. Penelitian ini bertujuan untuk menganalisis mekanisme regulasi dan operasional yang diterapkan oleh otoritas zakat dalam menegakkan kepatuhan terhadap prinsip-prinsip syariah, sekaligus mengisi kesenjangan dalam literatur terkait audit syariah di luar sektor perbankan. Dengan pendekatan kualitatif, data penelitian ini berasal dari wawancara dengan 35 pemangku kepentingan kunci, termasuk perwakilan dari Kementerian Agama Indonesia, auditor syariah, serta praktisi dari lembaga zakat negara (BAZNAS) dan non-negara (LAZ). Hasil penelitian menunjukkan bahwa praktik audit syariah terus berkembang, dengan mekanisme pengawasan ganda yang mengombinasikan pengawasan internal oleh dewan pengawas syariah dan audit eksternal oleh Kementerian. Namun, masih terdapat ambiguitas dalam membedakan audit keuangan dan audit syariah, yang menghambat efektivitas implementasinya. Penelitian ini menemukan bahwa audit syariah masih berada dalam tahap awal, sering kali hanya menjadi formalitas administratif tanpa memberikan peningkatan yang substansial dalam kepatuhan terhadap prinsip syariah. Studi ini menekankan perlunya pengembangan kerangka audit syariah yang lebih komprehensif, baik dari perspektif akademik maupun praktis. Untuk memperkuat kepatuhan institusional terhadap standar etika dan hukum Islam, audit syariah harus berkembang dari sekadar kepatuhan berbasis daftar periksa menjadi instrumen tata kelola yang lebih substansial, guna meningkatkan integritas regulasi dalam lembaga zakat.
Islamic Tourism Development Strategy: Integrating Local Wisdom and Digital Innovation
No full textWith its rich cultural heritage and strong religious identity, Aceh Province, Indonesia, has a strategic opportunity for Islamic tourism development. Combining local wisdom and digitalization can create distinctive experiences, boosting visitor numbers and improving community income and welfare. However, significant challenges persist, including limited attraction diversification, inadequate human resources, minimal digital promotion, and insufficient government support and stakeholder coordination. This study aims to formulate a strategic framework for the development of Islamic tourism destinations in Banda Aceh City by integrating local wisdom and digital technologies to enhance community income. Employing a qualitative approach, the study conducted in-depth interviews with nine key informants, including government officials, tourism practitioners, and business actors. The data were analyzed using NVivo 15 software. The results reveal that tourism in Banda Aceh suffers from a lack of innovation, low human resource competence, and the absence of regulatory instruments such as the Regional Tourism Development Master Plan (RIPPARDA) and halal certification. The proposed strategies include collaborative RIPPARDA development, targeted human resource capacity-building, digital marketing, local wisdom-based festival creation, and enhanced policy and stakeholder support. These findings underscore the need for integrated, cross-sector efforts to optimize the potential of halal tourism in supporting inclusive local economic development.========================================================================================================ABSTRAK – Strategi Pengembangan Pariwisata Syariah: Integrasi Kearifan Lokal dan Inovasi Digital. Dengan kekayaan warisan budaya dan identitas keagamaannya yang kuat, Aceh memiliki peluang besar untuk pengembangan pariwisata syariah. Penggabungkan kearifan lokal dengan digitalisasi dapat menciptakan pengalaman unik wisatawan, meningkatkan jumlah pengunjung, serta memperbaiki pendapatan dan kesejahteraan masyarakat. Namun dalam implementasinya terdapat sejumlah tantangan seperti kurangnya diversifikasi daya tarik wisata, rendahnya kapasitas sumber daya manusia, minimnya promosi digital, serta kurangnya dukungan pemerintah dan sinergi antar pemangku kepentingan. Penelitian ini bertujuan untuk merumuskan strategi pengembangan destinasi pariwisata Islam berbasis kearifan lokal dan teknologi digital untuk meningkatkan pendapatan masyarakat di Kota Banda Aceh. Penelitian ini menggunakan pendekatan kualitatif dengan melakukan wawancara mendalam terhadap sembilan informan kunci yang terdiri dari praktisi, pejabat pemerintah, dan pelaku usaha pariwisata yang kemudian dianalisis dengan software NVivo 15. Hasil penelitian menunjukkan bahwa pariwisata di Banda Aceh masih cenderung monoton, sumber daya manusia belum kompeten, serta belum adanya regulasi spesifik seperti Rencana Induk Pengembangan Pariwisata Daerah (RIPPARDA) dan sertifikasi halal. Strategi yang disarankan meliputi penyusunan RIPPARDA secara kolaboratif, penguatan kapasitas sumber daya manusia, promosi digital, pengembangan festival berbasis kearifan lokal, serta dukungan kebijakan dan kerja sama antar pemangku kepentingan. Temuan ini menekankan pentingnya upaya lintas sektor yang terintegrasi untuk mengoptimalkan potensi pariwisata halal dalam mendorong pembangunan ekonomi lokal yang inklusif.
The Role of Religiosity and Financial Literacy in the Adoption of Islamic Digital Services in Indonesia
No full textThis study investigates the key determinants of consumer preference for digital services provided by Islamic financial institutions in Indonesia. It examines the influence of relative advantage, Sharia financial literacy, Islamic religiosity, and initial trust on consumer preference. A sample of 524 respondents was analyzed using structural equation modeling (SmartPLS 4.0.9.9). The results show that relative advantage and Sharia financial literacy significantly influence initial trust, which in turn positively impacts consumer preference. Islamic religiosity was found to significantly influence Sharia financial literacy but not consumer preference directly. However, it plays a moderating role in strengthening the relationship between relative advantage and consumer preference. These findings offer both theoretical and practical implications by enhancing our understanding of digital service adoption in a religious financial context and providing strategic insights for Islamic financial institutions aiming to improve digital service engagement.======================================================================================================== ABSTRAK - Peran Religiositas dan Literasi Keuangan dalam Adopsi Layanan Digital Islam di Indonesia. Penelitian ini menyelidiki faktor-faktor utama yang memengaruhi preferensi konsumen terhadap layanan digital yang disediakan oleh lembaga keuangan syariah di Indonesia. Penelitian ini menelaah pengaruh keunggulan relatif, literasi keuangan syariah, religiositas Islam, dan kepercayaan awal terhadap preferensi konsumen. Sebanyak 524 responden dianalisis menggunakan pemodelan persamaan struktural (SmartPLS 4.0.9.9). Hasil penelitian menunjukkan bahwa keunggulan relatif dan literasi keuangan syariah berpengaruh signifikan terhadap kepercayaan awal, yang pada gilirannya berdampak positif terhadap preferensi konsumen. Religiositas Islam terbukti berpengaruh signifikan terhadap literasi keuangan syariah, namun tidak secara langsung terhadap preferensi konsumen. Namun demikian, religiositas Islam berperan sebagai variabel moderasi yang memperkuat hubungan antara keunggulan relatif dan preferensi konsumen. Temuan ini memberikan implikasi teoritis dan praktis, baik dalam memahami adopsi layanan digital dalam konteks keuangan berbasis agama maupun dalam menyediakan wawasan strategis bagi lembaga keuangan syariah untuk meningkatkan keterlibatan layanan digital.