Model Perubahan Sosio-Teknikal untuk Transformasi Digital: Integrasi Kapabilitas Dinamis, Komunikasi Legitimasi, dan Maqasid Syariah dalam Organisasi Keuangan Syariah

Kusworo

doi:10.29040/jiei.v11i06.18627

Authors

Kusworo Perbanas Institute, Indonesia

DOI:

https://doi.org/10.29040/jiei.v11i06.18627

Keywords:

socio-technical change, digital transformation x dynamic capabilities x, human-centered governance, maqasid sharia Islamic financial institutions

Abstract

Digital transformation in Islamic financial institutions requires a change approach that integrates technological advancement with Islamic governance principles and the objectives of maqasid al-shariah. This study employs a Systematic Literature Review (SLR) using the PRISMA protocol to identify a socio-technical change structure suitable for sharia-based organizations. Literature searches were conducted across Scopus, Web of Science, and ScienceDirect, followed by a four-stage screening process and a methodological Quality Assessment to ensure rigor and consistency. Findings from ten core articles reveal that effective digital transformation is driven by a set of interrelated mechanisms: dynamic capabilities functioning as strategic drivers; communication legitimacy that reinforces clarity, trust, and organizational amanah; resistance management that accounts for psychological and cultural dynamics; and collective resilience formed through adaptive organizational capacities. Within the Islamic framework, these mechanisms support the attainment of hifz al-mal (protection of assets and data), hifz al-nafs (user safety and well-being), and hifz al-‘irdh (preservation of dignity and privacy). This study proposes an integrated conceptual model demonstrating that digital transformation in Islamic institutions must harmonize technological systems, human readiness, and maqasid al-shariah values as the foundation of sustainable governance. The model contributes theoretically to Islamic economics scholarship and offers practical guidance for sharia-compliant digitalization initiatives.

Keywords: digital transformation; dynamic capabilities; socio-technical change; maqasid al-shariah; communication legitimacy; organizational resilience.

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