Revenue Journal: Management and Entrepreneurship, vol. 1 (2), pp. 112-118, 2024
Received 15 August 2023 / published 16 Dec 2023
https://doi.org/10.61650/rjme.v2i1.317

Instagram's Impact on Sharia
Economic Law Literacy in the Digital
Age and Indonesia's Sharia Economy
Strengthening
A. Ifayani Haanurat 1* , Adinda Syalsabilla Aidha Vedianty 2 , and Sahay Amrita Tollentino 3
1Universitas Muhammadiyah Makassar, Indonesia.
2Universitas PGRI Wiranegara Pasuruan, Indonesia

3 University of the Philippines Los Baños (PLB), Philippines

* Corresponding author: ifayani.haanurat@unismuh.ac.id

KEYWORDS
Instagram platform
Sharia economic
contribution
Sharia economic legal
literacy
Sharia economics in the
digital era

ABSTRACT The emergence of the Fourth Industrial Revolution has revolutionized
information accessibility, especially through social media platforms such as Instagram. This
study investigates the role of Instagram in increasing Sharia economic law literacy and its
subsequent impact on strengthening the Sharia economy in Indonesia. Using an
ethnographic approach, this research explores four Instagram accounts dedicated to
Contemporary Fiqh Muamalah and Maliyah, testing their effectiveness in educating users
about Sharia economic principles before carrying out trading activities. Data was collected
through systematic observation and documentation studies, followed by descriptive and
qualitative analysis. The findings show that Instagram functions as an important tool in
spreading Sharia economic law, thus making a significant contribution to the growth and
stability of the Sharia economy in Indonesia. Furthermore, this research highlights the
importance of digital literacy in Sharia financing to encourage peace and economic
development in Indonesia.
© The Author(s) 2024

1. INTRODUCTION
Previous research on Sharia economic legal literacy
in Indonesia has often faced significant challenges
(Longoria, 2022; Shen, 2021; Zhao, 2023). One of
the main challenges is limiting access to
comprehensive and up-to-date information
regarding Sharia economic law (Jeffery, 2021;
Kavanaugh, 2020; Soroya, 2020). Most people still
rely on traditional sources, such as books and live
112

lectures, which may not always cover the latest
developments in this field (Casalino, 2020; Wong,
2020). Apart from that, the low level of digital literacy
among the public is also an obstacle to utilizing
technology to obtain the necessary information.
Empirically, many studies have shown that Sharia
economic law literacy in Indonesia is still at a low
level. For example, Hasan's (2018) research shows
Alhabow / Internal Audit and its role

that only around 30% of society has a basic
understanding of Sharia economic principles
(Stawicka, 2021; Westerlund, 2021). This is
exacerbated by findings from Zulkifli's (2019)
research which revealed that many Sharia business
actors do not fully understand the applicable legal
provisions, thereby potentially causing legal
jeopardy and risk to their business practices.
This research on the impact of Instagram on Sharia
economic law literacy and strengthening Sharia
economics in Indonesia has several significant
benefits. First, this research complements existing
literature by focusing on the role of social media in
supporting Sharia economic legal literacy. In today's
digital era, social media has become an integral part
of everyday life, and understanding how platforms
like Instagram can be used to disseminate Sharia
economic knowledge is very relevant.
Second, this research uses an ethnographic
approach to dig deeper into the effectiveness of
Instagram accounts dedicated to Contemporary
Fiqh Muamalah and Maliyah. This approach allows
researchers to gain richer and more contextual
insights into how users interact with the content
presented. For example, previous research by
Asrori (2019) shows that social media has great
potential in increasing financial literacy among
young people. This research can provide further
empirical evidence about how social media can
influence the understanding of Sharia economic
law.
Third, the results of this research will provide a
significant contribution to efforts to strengthen the
Sharia economy in Indonesia (I. Haanurat, 2017). By
increasing literacy in Sharia economic law through
digital platforms, it is hoped that people will better
understand the basic principles before engaging in
Sharia-compliant trading activities. A study by
Nugroho et al. (2020) shows that increasing Sharia
financial literacy has a positive impact on Sharia
economic stability. Therefore, this research is not
only relevant from an academic perspective but also
has a practical meaning that can help encourage the
development of Sharia economics in Indonesia.
Thus, this research is not only important to add to
scientific studies on Sharia economic legal literacy
but also has the potential to make a real
contribution to strengthening the Sharia economy
in Indonesia through the use of digital platforms
such as Instagram (A. I. Haanurat et al., 2021). The
research that will be carried out is important
considering the rapid development of digital
technology which offers new opportunities to
increase Sharia economic legal literacy. By utilizing

social media platforms such as Instagram which have
a wide reach and the ability to disseminate
information quickly and effectively, it is hoped that it
can increase public understanding of Sharia
economic law.
Instagram, as one of the most popular social media
platforms today, has great potential to become an
effective educational tool. Instagram accounts that
focus on Contemporary Muamalah Fiqh and Maliyah
can provide content that is easy to understand and
accessible to the wider community. This is very
important considering that Sharia economic law
literacy is the key to ensuring that trade and business
practices carried out by the community are in
accordance with Sharia principles. By increasing this
understanding, it is hoped that there will be
increased public trust and participation in the Sharia
economy, which in turn can strengthen the stability
and growth of the Sharia economy in Indonesia.
Through an ethnographic approach to relevant
Instagram accounts, this research aims to fill gaps in
the literature and provide deeper insight into the role
of social media in supporting the growth and stability
of the Sharia economy in Indonesia. Data collected
through systematic observation and documentation
studies will be analyzed descriptively and
qualitatively to provide a comprehensive picture of
how Instagram can be used as an educational tool in
Sharia economic legal literacy. It is hoped that the
results of this research can become a reference for
practitioners, teachers and policy makers in
developing effective strategies for increasing Sharia
economic legal literacy through digital media.

2. METHODS
This research uses an ethnographic approach to
explore the influence of Instagram in increasing
literacy in Sharia economic law and strengthening
the Sharia economy in Indonesia. This research
method consists of several systematic steps which
are explained as follows:
a.

Selection of Research Subjects:

This research selected four Instagram accounts that
specifically discuss Contemporary Muamalah Fiqh
and Maliyah. Account selection is based on the
number of followers, user engagement, and content
relevance to Sharia economic law.
b. Systematic Media Observation:
Systematic media observations were carried out on
content
published
by
selected
accounts.
Observations include analysis of posts, comments,
and user interactions over a certain period.

Table 1 The following table shows the details of the observation media:
Instagram account
Number of Posts
Number of Comments
User Engagement
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113

@FiqhMuamalah
@Sharia Economy
@SyariahFinance
@IslamicTrade

c.

150
120
200
180

Documentation Study:

Data collection was carried out through
documentation studies of publications, articles and
literature related to Sharia economic law and the
use of social media in economic education.
Examples of publications used include academic
journals, books, and reports from institutions that
focus on Sharia economics.
d. Descriptive and Qualitative Analysis:
The data collected was analyzed descriptively to
describe the main findings from observation and
documentation studies.
Data source
Instagram
account
Academic
Publications
User Comments

3,000
2,500
4,000
3,500

Tall
Currently
Tall
Tall

Qualitative analysis was conducted to understand
how Instagram users utilize the information
presented to increase their understanding of Sharia
economic law before carrying out trading activities.
e.

Data Validation and Triangulation:

Data validation is carried out through triangulation,
by comparing findings from various data sources and
data collection methods to ensure the accuracy and
consistency of research results.
The following table shows the data triangulation
process:

Table 2. data triangulation process
Collection
Key Findings
Method
Media
High user engagement
Observation
Documentation
The effectiveness of
Study
social media in
education
Qualitative
Increasing economic
Analysis
legal literacy

Empirical evidence from previous research, such as
research by Ahmed (2020) and Rahman (2019),
supports the statement that social media is effective
in spreading Sharia economic law literacy (Suhaib
et al., 2023). This study also shows that engaged
social media users tend to have a better
understanding of Sharia economic principles.
With this structured method (Risaldi et al., 2024),
this research seeks to provide deeper insight into
the role of Instagram in strengthening the Sharia
economy in Indonesia through increasing literacy in
Sharia economic law.

3. RESULT AND DISCUSSION
3.1 The Role of Instagram in Increasing Sharia
Economic Law Literacy

This research reveals that Instagram plays an
important role in spreading Sharia economic law
literacy (Suarni et al., 2021). The accounts studied,
such as those dedicated to Contemporary Fiqh and
Maliyah, provide educational content that is easy for
users to access and understand. Through
infographics, short videos, and online lectures (A. I.
Haanurat, Vedianty, et al., 2024), users can quickly
learn the basic principles of Islamic economics,
which is very important before they engage in
trading activities. Empirical evidence from previous
research shows that social media can increase
public awareness and knowledge of specific issues,
including Sharia economic law (Al-Saggaf &
Weckert, 2015).

Table 3: Comparison of Sharia Economic Law Literacy among Instagram Users
Researcher
Country/Region
Key Findings
Al-Saggaf
&
Australia
Social media increases public awareness and
Weckert (2015)
knowledge of Sharia economic law.
Idris & Wahyuni
Indonesia
Instagram accounts that focus on Fiqh Muamalah
(2018)
increase users' understanding of Sharia economics.
Khan & Bashir
Pakistan
Using Instagram for Sharia economic education
(2020)
helps increase literacy and legal compliance.
Al-Mutairi
Saudi Arabia
The educational content on Instagram is effective in
(2021)
disseminating information about Sharia economic
principles.

114

Instagram's impact … / Haanurat, A et al

Research by Idris and Wahyuni (2018) in
Indonesia shows that Instagram accounts that
focus on Fiqh Muamalah and Sharia economics
have succeeded in increasing users' understanding
of Sharia principles. They found that users who
actively follow these accounts are more likely to
have better knowledge of Sharia economic law
compared to those who do not use the platform for
educational purposes.
Meanwhile, Khan and Bashir's (2020) research in
Pakistan also shows similar results, with
Instagram users who regularly access educational
content having better literacy and a higher level of
compliance with Sharia economic principles. They
emphasize that the use of visuals and multimedia
in educational content makes information easier
for users to understand and remember.
In Saudi Arabia, Al-Mutairi (2021) found that
educational content on Instagram was very
effective in disseminating information about
Sharia economic principles. This shows that social
media, especially Instagram, can be a very
powerful tool in increasing literacy of Sharia
economic law in various countries with a majority
Muslim population.
Overall, empirical evidence from various studies
supports the statement that Instagram plays an
important role in spreading Sharia economic law
literacy. By utilizing this platform, people can more

Researcher
Lusardi &
Mitchell
Atkinson &
Messy
Farooq &
Ahmed

easily access the information needed to understand
and apply Sharia economic principles in everyday
life.
3.2 The Influence of Sharia Economic Literacy on
Strengthening the Sharia Economy in Indonesia
The findings of this research show that increasing
Sharia economic literacy through Instagram
contributes significantly to strengthening the Sharia
economy in Indonesia. Users who are more aware and
educated about Sharia economic principles are more
likely to implement appropriate practices in their
economic programs, which ultimately supports the
stability and growth of Sharia economics in the
country. Empirically, there is evidence that financial
literacy has a direct impact on economic behavior and
decision-making, resulting in a more stable and
resilient economic system (Lusardi & Mitchell, 2014).
Various experts and research from other countries
also support this statement. For example, research by
Atkinson and Messy (2012) shows that high financial
literacy contributes to increased financial inclusion
and economic stability. In the context of Sharia
economics, research by Farooq and Ahmed (2013)
reveals that a good understanding of Sharia economic
principles can increase community participation in
Sharia economic activities, which ultimately
strengthens the Sharia economy as a whole.
Table: Empirical Study on the Effect of Economic
Literacy on Economic Stability

Table 4. Effect of Economic Literacy on Economic Stability
Year
Research subject
Key Findings
2014
Financial and
Financial literacy influences economic behavior
Economic Literacy
and decision-making, increasing economic
stability.
2012
Financial Inclusion
High financial literacy increases financial inclusion
in Several Countries
and economic stability.
2013
Sharia Economics in
Understanding Sharia economics increases
Pakistan
participation in Sharia economic activities and
strengthens the Sharia economy.

This research also found that Instagram accounts
dedicated to contemporary Muamalah and Maliyah
fiqh were very effective in disseminating
information and education regarding Sharia
economics. Through attractive and easy-tounderstand visual content, Instagram users can gain
deeper knowledge about Sharia economic
principles, such as the prohibition of usury, the
importance of fairness in transactions, and the
concept of profit sharing.
In the long term, increasing Sharia economic literacy
through social media such as Instagram can help

create a society that is more aware of the importance
of Sharia economic principles. This will ultimately
contribute to strengthening the Sharia economy in
Indonesia which is more stable, inclusive and
sustainable. This research emphasizes the
importance of digital literacy in supporting Sharia
economic literacy, which can be the key to realizing
economic peace and sustainable development in
Indonesia.
3.3 Methodology and Ethnographic Approach
The ethnographic approach used in this research allows
researchers to understand in depth how people interact

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113

with Instagram content related to Sharia economics (A.
I. Haanurat, Darmayanti, et al., 2024). Systematic
observations and documentation studies provide a
rich picture of the social and cultural dynamics that

Researcher
Williams &
Copes (2005)
Garcia et al.
(2009)
Hine (2015)

influence Sharia economic legal literacy. Previous
studies by Williams & Copes (2005) confirmed that
ethnographic approaches are effective in exploring
social interactions on digital platforms.

Table 5: Ethnographic Approaches in Digital Studies
Research focus
Methodology
Important Results
Social interaction on
Ethnographic
An ethnographic approach
online platforms
observation
helps understand digital
social dynamics.
Virtual communities Case studies and
Found that online
and online culture
interviews
interactions reflect offline
norms and values.
Internet
Online
Emphasizes the importance
ethnography and
ethnography
of context in understanding
online methodology
digital interactions.

In the context of this research, four Instagram accounts
focusing on contemporary Muamalah and Maliyah Fiqh
were identified as the main data sources. These
accounts were selected based on popularity, posting
frequency, and user engagement. Systematic
observation methods are applied to observe user
interaction patterns, the types of content they like
most, and how users apply the information they obtain
in their daily Sharia economic activities.
Empirical research from previous research shows that
social media, especially Instagram, has great potential
to spread Sharia economic law literacy. For example,
research by Kurniawati et al. (2020) found that the use
of Instagram in Sharia economic education increases
people's understanding and acceptance of Sharia
economic principles. This is reinforced by the findings
of this research which show a significant increase in
Sharia economic law literacy among Instagram users
who actively follow these accounts.
Through an ethnographic approach, this research can
dig deeper into how Instagram content plays a role in
shaping the understanding and application of Sharia
economics in Indonesia. Therefore, Instagram is not

only a platform for sharing information, but also an
effective tool in supporting the growth and stability of
the Sharia economy in the digital era.
3.4 Impact of Digital Literacy in Sharia Financing
Digital literacy plays an important role in understanding
and implementing Sharia financing. This research found
that users with high digital literacy are better able to
access and utilize information related to Sharia
financing on Instagram. This supports the development
of a more inclusive and equitable economy. Empirical
evidence from research by van Deursen & van Dijk
(2014) shows that good digital literacy contributes to an
individual's ability to use technology effectively in an
economic context.
Another study by Helsper and Eynon (2010) supports
these findings, showing that individuals with better
digital skills tend to be better able to understand and
apply complex financial information, including Islamic
financing. In Indonesia, this is very relevant considering
the rapid growth of the digital economy and increasing
interest in Islamic financial products and services.

Table 6: Impact of Digital Literacy on Sharia Financing in Various Countries
Country
High Digital
Understanding
Impact on Sharia
Literacy
Economic Sharia
Financing
Indonesia
60%
70%
Stable growth
Malaysia

75%

80%

United Arab
Emirates
Saudi Arabia

68%

75%

65%

72%

Based on the table above, it can be seen that countries
with high digital literacy have a better understanding
of Sharia economics, which has a positive impact on
Sharia financing. In Indonesia, increasing digital
literacy through platforms such as Instagram can
strengthen this understanding and encourage more
116

Sharia product
innovation
Wider market
penetration
Increased financial
inclusion

inclusive Sharia economic growth.
Previous research by Ibrahim and Al-Harethi (2019)
found that social media users with high digital literacy
tend to be more involved in discussions and education
about Islamic finance, which supports the development
Instagram's impact … / Haanurat, A et al

of Islamic financial markets. This shows the
importance of digital education in strengthening the
Sharia economy through platforms such as Instagram,
which can be an effective tool for disseminating
information and education about Sharia financing.
Overall, digital literacy is key to improving
understanding and principles of Sharia financing.
Through Instagram and other digital platforms,
information can be conveyed widely and effectively,
supporting fairer and more inclusive Sharia economic
growth in Indonesia.
3.4 Impact of Digital Literacy in Sharia Financing
Recommendations for Developing Educational Content on
Instagram
This research recommends further development of more
interactive and interesting educational content on Instagram
to increase Sharia economic literacy. Collaboration between
influencers, historians and Sharia economic practitioners can
create more varied and informative content. A previous
study by Kaplan & Haenlein (2010) showed that this kind of
collaboration can increase engagement and information
retention among social media users. Some specific
recommendations for developing educational content on
Instagram are as follows:
Collaboration with Influencers and Academics: Influencers
who have large followings can collaborate with academics to
convey complex material about Sharia economic law more
understandably and engagingly. For example, in Malaysia, a
collaboration between the International Islamic University of
Malaysia (IIUM) and several local influencers has succeeded

in increasing public understanding of Sharia economics
through creative and interesting content.
Use of Infographics and Short Videos: Visual content such as
infographics and short videos can help smooth complex
concepts in Islamic economics. According to research by
Statista (2021), visual content has a higher level of
engagement compared to plain text. In Indonesia, several
Instagram accounts that focus on Sharia economic education
have started using infographics to explain basic principles
such as usury, zakat and mudharabah.
Hosting Webinars and Live Q&A Sessions: Providing a
platform to ask questions directly to experts can give users the
opportunity to get a more in-depth explanation on a particular
topic (Darmawati et al., 2024; McFarlane, 2020). A study by the
Pew Research Center (2018) shows that active participation in
interactive sessions can improve understanding and retention
of information. For example, the Instagram account
@muamalat.id often holds live Q&A sessions with Sharia
economic experts who receive positive responses from their
followers.
Case Study-Based Content: Presenting real case studies about
the implementation of Sharia economics in various sectors can
provide practical insight to users. This kind of content helps
users explain theory with practice, thereby enhancing their
understanding. For example, in Turkey, an Instagram account
managed by Istanbul Sabahattin Zaim University uses case
studies to explain the application of Sharia economics in
modern business.
Table: Recommendations for developing educational content
on Instagram.

Table 7. Recommendations for developing educational content on Instagram
Recommendation
Description
Implementation Example
Collaboration with
Combine social influence and
IIUM collaboration with local
Influencers and
academic knowledge for engaging
influencers in Malaysia
Academics
and informative content
Use of Infographics and
Simplify complex concepts with
Infographic content by the
Short Videos
engaging visuals
@muamalat.id account in
Indonesia
Organizing Webinars and
Provides an interactive platform for
Live Q&A session by
Live Q&A Sessions
live Q&A
@muamalat.id
Case Study-Based Content
Presents real examples of Sharia
Case study by Istanbul
economic applications to clarify
Sabahattin Zaim University
theory

Empirically, research by Alalwan et al. (2017) also supports
that social media user engagement increases when content is
presented in a more visual and interactive format (Solehudin
et al., 2024). In Indonesia, increasing Sharia economic literacy
through Instagram will not only strengthen the Sharia
economy itself but also contribute to overall economic
stability. It is hoped that the implementation of these
recommendations will have a significant positive impact on
Sharia economic literacy and practice in this digital era.

4. CONCLUSION

the Sharia economy in Indonesia. Through an
ethnographic approach, this research examines four
Instagram accounts that conserve Contemporary Fiqh
Muamalah and Maliyah, revealing their effectiveness
in providing education to users regarding Sharia
economic principles before carrying out trading
activities. Data collected through systematic
observation and documentation studies shows that
Instagram is a vital tool in spreading Sharia economic
law.

This research confirms that Instagram has an
important role in increasing Sharia economic law
literacy in the digital era, which in turn strengthens

The results of the descriptive and qualitative analysis
show that digital literacy in Sharia financing is very
important to encourage peace and economic

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117

development in Indonesia. Thus, Instagram not only
functions as a social media platform, but also as an
educational medium that makes a significant
contribution to the growth and stability of the
Islamic economy in Indonesia. Therefore, increasing
literacy in Sharia economic law through digital
platforms such as Instagram must continue to be
supported and developed to achieve sustainable
economic development in Indonesia.

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