ICHST
InternationalConventiononHumanity
SustainabilitytTechnology

Research

International Convention on
Humanity
Sustainability
Technology

Article submitted to journal
https://conference.unupasurua.ac.id/index.ph
p/ichst/index

Yusuf 1* , Suadi 2

Subject Areas:

1

Religion and Society, Digital Religion
and Digital Da’wah

2

Keywords:

Green Sukuk, digital technology,
environmental sustainability, Islamic
finance, digital transformation

*Author for correspondence:
yusuf@unupasuruan.ac.id

Universitas Nahdlatul Ulama Pasuruan, Indonesia
Universitas Nahdlatul Ulama Pasuruan, Indonesia

One type of Islamic financial instrument known as Green Sukuk is intended
to finance environmentally friendly and sustainable projects. This financial
instrument, which determines environmental impact and encourages
investor participation, remains a challenge due to the management quality
and transparency of its use. The focus of this research is how digital
technology changes can optimize Green Sukuk in supporting
environmental sustainability. The method used is qualitative-descriptive,
with literature analysis and secondary data from government policies,
financial reports, and case studies of Green Sukuk implementation in
various countries. The research results show that digital technologies such
as real-time reporting systems, blockchain, and big data can enhance the
accountability, efficiency, and attractiveness of Green Sukuk for investors.
Therefore, digitalization is becoming an important approach to promote
the development of environmentally friendly, sharia-based financial
instruments to support sustainable development plans. This study
contributes to improving regulations and cross-sectoral cooperation in the
use of digital technology to optimize the management of Green Sukuk.

1. INTRODUCTION
The current era is defined by the rapid and pervasive advancement of technology, which has
fundamentally reshaped human existence. Digitalization is no longer a choice but a mandatory
strategic pivot, evident across all sectors, from communications to finance. As noted in the initial
context of digital finance, this technological shift has facilitated tremendous efficiency, leading
to new instruments such as Green Sukuk, which leverage digital platforms for greater
transparency, efficiency, and public participation in sustainable economic (Ozturk, 2022). The
ability of digital technology to accelerate financial inclusion and fund environmentally friendly
initiatives, consistent with Islamic ethics that emphasize fair resource management and
environmental preservation, underscores its immense positive potential (Asnawi et al., 2024;
Hakim et al., 2022)
However, this relentless digital immersion comes with a significant, often overlooked, cost to
human spirituality and psychological well-being. The constant pressure to adapt, the sheer

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volume of information, the fear of missing out, and the potential for digital alienation contribute
to a modern condition we term Digital Anxiety. While technology offers convenience, it
simultaneously risks generating profound feelings of isolation, inadequacy, and spiritual distress,
destabilizing the mental and ethical balance of the user (Bakhri, 2020; Jaiswal, 2022; Mohsin,
2021). This spiritual and psychological fragmentation, which is a consequence of living
perpetually tethered to the screen, requires more than purely technological or traditional
psychological fixes; it necessitates a comprehensive, human-centered spiritual intervention.
(Huda & Bustomi, 2024; Ismahayati, 2023; Sya’bana, n.d.)In response to this humanistic crisis
within the digital realm, this paper proposes a necessary spiritual and ethical framework rooted
in Humanistic Da'wah (Islamic outreach) (Huda & Bustomi, 2024; Ismahayati, 2023; Sya’bana,
n.d.). Da'wah, defined as the ethical practice of humanity guiding towards goodness and truth,
offers a powerful spiritual and ethical counterbalance to the anxiety and alienation induced by
the digital world. By adopting a humanistic approach, this framework prioritizes compassion,
fosters inner peace, and re-emphasizes the spiritual purpose (maqashid sharia) that must guide
technological use, ensuring that technology serves humanity, not the reverse.
While existing literature has extensively examined the application of digital technology in
optimizing Islamic products and services—such as using digital applications and information
systems to manage Green Sukuk (Spinsante, 2023; Stara, 2024; Triantafyllidou, 2022). these
studies primarily focus on product optimization and economic development. They often overlook
the comprehensive spiritual, psychological, and ethical toll of digital life on the individual and
the community's capacity to engage ethically with these tools (Vimarlund, 2021).
A significant gap exists in the literature regarding a practical and comprehensive Islamic model
for addressing the emotional and spiritual consequences of digital transformation. Previous
research does not offer a model that integrates three crucial dimensions: spiritual resilience
(hope), ethical digital conduct, and community digital literacy under the unified banner of
Humanistic Da'wah (Maksum et al., 2023).
Therefore, in this research lies in its development of a more complex and holistic model. This
model moves beyond the singular focus on product and service optimization to include the
empowerment and strengthening of community digital literacy and spiritual fortitude (resilience
and hope) through Da'wah principles. The aim of this research is to explore how the principles
and strategies of Humanistic Da'wah can be optimized to mitigate the pervasive effects of digital
anxiety and to provide strategic, practical advice to Islamic stakeholders in Indonesia for
fostering hope, resilience, and ethical engagement in a digitally saturated world (Crowley, 2023;
Erans, 2022; Stockwell, 2021). The results of this study contribute to developing strategies and
models for optimizing spiritual management in the digital age, supporting sustainable human
development alongside existing economic sustainability programs.

2. RESEARCH METHOD
This study employs a Descriptive Qualitative Method based on a Systematic Literature Review and
Analysis approach. This methodology is ideally suited for interpreting complex and emerging sociospiritual phenomena, specifically the impact of the digital transformation on human psychological
well-being (Digital Anxiety) and the formulation of a corresponding holistic Islamic ethical response
(Humanistic Da'wah). By focusing exclusively on existing high-quality academic and strategic
literature (Christensen, 2021; Haleem, 2022), this research aims to construct a novel theoretical
model that synthesizes spiritual guidance with contemporary digital reality. The flowchart in figure 1
:

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Figure 1. Flowchart the Research Method

The research process is structured into three sequential and rigorous stages to ensure a
systematic analysis of the existing knowledge base and the successful construction of the
model:
1. Data Collection and Identification (Thematic Search)
This initial stage involves a comprehensive, multi-layered search for relevant academic and
policy literature across three core (El-Dassouki, 2022; Gioia, 2021), intersecting themes that
define the research scope:

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a. Digitalization and Societal Ethics: Identifying literature on the ubiquitous nature of
digital technology, its mandatory strategic pivot across sectors (e.g., finance,
communication), and its dual effects—both enabling economic efficiency (like in the
management of Green Sukuk) and presenting new ethical challenges.
b. Spiritual and Psychological Impact of Technology (Digital Anxiety): Collecting and
cataloging studies that define and analyze the negative psycho-spiritual consequences
of perpetual digital immersion. Key search terms include digital anxiety, digital
alienation, Fear of Missing Out (FOMO), spiritual distress, and technology burnout. This
body of literature provides the critical problem the Da'wah model must address.
c.

Islamic Ethical and Spiritual Intervention: Gathering works focusing on Islamic ethical
principles (akhlaq), the higher objectives of Islamic law (maqashid sharia), and the
methodology of Humanistic Da'wah. The goal is to establish the theoretical foundation
for compassion-centered, purpose-driven spiritual guidance.

2. Data Preparation and Analysis (Comparative and Synthesis)
The collected data will undergo a critical and comparative analysis aimed at identifying the
current limitations and the requirements for the proposed model (Addala, 2021; Pajalic,
2024):
a. Content Categorization: Relevant information will be extracted and rigorously
categorized based on the three crucial dimensions identified for the Humanistic Da'wah
Model: Spiritual Resilience (Hope), Ethical Digital Conduct, and Community Digital
Literacy
b. .Comparative Gap Analysis: This involves a critical comparison between two distinct
categories of existing literature: a) models focused on optimizing digital products (e.g.,
maximizing Green Sukuk transparency/efficiency), and b) models addressing spiritual
well-being. This analysis formally confirms the research gap: the lack of an integrated
model that explicitly uses Da'wah to address the psycho-spiritual crisis of digitalization
rather than just optimizing economic outcomes.
c.

Interpretation and Abstraction: Interpreting the findings to abstract the core needs of
individuals experiencing Digital Anxiety (e.g., need for stillness, authentic connection,
and purpose) and mapping these needs to actionable Da'wah strategies.

3. Synthesis and Model Formulation (Theoretical Construction)
The final stage is the intellectual and creative synthesis that achieves the research
objectives:
a. Conceptual Integration: Integrating the abstracted needs (from Stage 2) with the
principles of Humanistic Da'wah and maqashid sharia. This step ensures that the
resulting model is both spiritually grounded and humanistically compassionate.
b. Model Construction: The primary output is the formalized Humanistic Da'wah Model for
Addressing Digital Anxiety. This model will detail practical, strategic advice and
implementation guidelines for Islamic stakeholders in Indonesia to effectively foster
spiritual fortitude, resilience, and hope while actively enhancing ethical digital literacy
within their communities.

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Contribution Statement: The resulting framework represents the core contribution of this
research, offering a new, holistic paradigm for optimizing spiritual management in the digital
era and supporting sustainable human development beyond mere economic sustainability.

3. RESULTS AND DISCUSSION
Research Results
In Indonesia, the Ministry of Finance has issued three types of bonds with a Green Sukuk
structure based on Islamic Sharia principles and in line with maqashid syariah within the
framework of al-kulliyah al-khamsah, namely protecting religion (hifdzu ad din), life (hifdzu an
Nafs), intellect (hifdzu aql), progeny (hifdzu an nasl), and wealth (hifdzu al maal). Green Sukuk
is a green bond instrument. Green sectors include renewable energy; sustainable transportation;
waste processing to generate energy; and sustainable agriculture (Timpanaro, 2024). To
achieve sustainable development, these five green sectors are a tangible example of the
government's efforts to protect the environment ( hifz al-bi'ah) amidst climate change (market
segmentation is shown in the chart below).

Figure 2. Market Segmentation

Meanwhile, the development of demand and supply for green sukuk products until 2012 shows
an increase every year, as shown in the movement table below.

Figure 3. Demand and supply of sukuk, 2008–2021

To ensure that the benefits from Green Sukuk receipts are used appropriately, the government
is expected to strengthen several pillars: (1) all funds are used for upcoming green projects. (2)
evaluation and assessment of projects through a review and approval process by the Ministry
of Finance and the National Development Planning Agency. (3) fund management as an issuer
guarantee that the funds will be fully used for green projects. (4) The report is expected to
include the necessary measures to reduce greenhouse gas emissions (Abubakar & Handayani,
2020b). An annual report on Green Bonds and Green Sukuk will be created and distributed by

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the Ministry of Finance. This report will include a list of projects, the amount of funds allocated
to them, and an estimate of their positive impact
Discussion
A. Digitalization as a Dual Force: Efficiency and Ethical Fragility
The analysis of the Indonesian government's Green Sukuk initiative, as presented in the
results, unequivocally demonstrates the success of digitalization in fostering financial
transparency, mobilizing capital for sustainable development, and aligning with the
principles of maqashid syariah—specifically, the protection of wealth (hifz al-maal) and the
environment (hifz al-bi'ah). Indonesia's commitment to issuing three types of Green Sukuk
for sectors like renewable energy and sustainable transportation is a tangible effort to
achieve sustainable development goals. The structured framework adopted by the Ministry
of Finance—which includes rigorous project evaluation, fund guarantees, and mandatory
reporting on emission reduction (Peng, 2023; Romero, 2021; Xiaoman, 2021)—confirms
that digital tools are essential for bolstering investor trust and optimizing economic
outcomes. Furthermore, the increasing demand for Sukuk products shown in the 20082021 data highlights a growing market appetite for sharia-compliant sustainable
finance. This technological pivot validates the first theme of this research: Digitalization
and Societal Ethics, where technology acts as an engine for ethical economic growth.
However, the very success and mandatory nature of this digital transformation create
a critical ethical and spiritual vacuum, which forms the core research gap of this paper.
While technology successfully optimizes products (Green Sukuk) and financial
mechanisms, it simultaneously imposes an often-overlooked cost on the user—a
condition termed Digital Anxiety (Thematic Search C2). The perpetual tethering to the
digital realm, which is required for efficient engagement in these modern systems,
paradoxically generates profound feelings of isolation, inadequacy (FOMO), and spiritual
distress among users. This confirms the research gap: existing financial models focus
purely on optimizing economic instruments, failing to provide a holistic, integrated
framework that addresses the psycho-spiritual toll of the mandatory digital life
demanded by those instruments.
B. The Humanistic Da'wah Model: A Spiritual Counterbalance
In response to this humanistic crisis, the synthesis of this study proposes the Humanistic
Da'wah Model for Addressing Digital Anxiety. This model shifts the focus from optimizing
financial efficiency to cultivating human spiritual fortitude and redefines the application
of maqashid sharia in the digital era. It argues that for sustainable development to be
truly holistic (beyond hifz al-maal and hifz al-bi'ah), it must prioritize the protection of
the soul (hifz an-nafs) and the intellect (hifz al-'aql) from the deleterious effects of
digital immersion.
The Da'wah model functions through the strategic integration of three core dimensions:
1. Spiritual Resilience (Hope)
Digital Anxiety is fundamentally rooted in a pervasive fear of missing out and a
feeling of being perpetually inadequate when confronted with filtered online
realities. The Humanistic Da'wah framework counters this by re-establishing
spiritual purpose (maqashid) as the primary anchor. This dimension focuses on
cultivating inner stillness (sakinah) and unwavering Hope (rajā’) in the divine plan,
strategically moving individuals from dependence on external validation (likes,
trends) toward internal peace. The practical strategy involves promoting structured
digital detox practices and re-emphasizing practices like dhikr and contemplative
reflection (tafakkur) as essential spiritual-digital hygiene measures.
2. Ethical Digital Conduct

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This dimension serves as the practical application of akhlaq (Islamic ethics) in the
digital sphere, guiding technology use rather than merely prohibiting it. It directly
addresses corrosive digital behaviors such as cyberbullying, the spread of
misinformation (hoax prevention, a relevant concern for community stability), and
excessive digital consumption (israf). Da'wah here acts as an ethical guide,
encouraging users to employ digital platforms for constructive purposes —in line
with the transparency principles celebrated in Green Sukuk—and to avoid ghibah
(slander) or wasteful use of time online. This ensures that the user's digital behavior
reflects compassion, justice, and responsibility.
3. Community Digital Literacy
The success of modern financial instruments like Green Sukuk depends on informed
community participation (Mauliyah et al., 2023). Similarly, overcoming Digital
Anxiety requires a collective, rather than purely individual, effort. This dimension
focuses on strengthening the community's capacity to engage critically and ethically
with digital tools. Strategic Da'wah advice for Islamic stakeholders in Indonesia
involves designing community workshops and platforms that explicitly teach media
literacy, critical thinking, and the importance of healthy digital boundaries, ensuring
the entire community can manage technology and not be managed by it.
C. Synthesis and Policy Implication
The research culminates by synthesizing the key findings: The robust financial pillars
that ensure the integrity of Green Sukuk (transparency, evaluation, and reporting) must
be mirrored and complemented by spiritual and ethical pillars that ensure the int egrity
of the Muslim community's well-being. The Humanistic Da'wah Model is the crucial
bridge between economic sustainability (as achieved through Green Sukuk) and human
sustainability. Its implementation offers timely, strategic advice to Islamic policy makers
and institutions in Indonesia, guaranteeing that as the country continues its rapid digital
integration, it does so with a robust ethical and spiritual safety net. The ultimate
contribution is offering a new, holistic paradigm that guarantees that technology serves
the higher objective of preserving human spiritual and psychological well -being.

4. CONCLUSION
To support the green economy which requires large funding, especially for renewable energy
projects, it is necessary to encourage stakeholders to create financial instruments that focus
on funding projects that comply with the Sustainable Development Goals in the form of green
sukuk. Innovative Green Sukuk funding is directed to several environmentally friendly sectors,
such as renewable energy, resilience to risks and disasters in vulnerable areas/sectors,
sustainable transportation, waste processing into energy and others, as well as sustainable
agriculture. These green sectors are a tangible manifestation of the government's steps to
protect the environment amidst climate change in order to achieve sustainable development.
The potential for Green Sukuk issuance can be seen from the increasing awareness of
investors regarding the importance of environmental conservation.
The involvement of important institutions such as the government and the UN in the
development of Green Sukuk shows the potential of this instrument. Because issuing Green
Sukuk requires a higher risk profile and requires large funds, a proper mechanism of mutual
control and supervision is needed. To achieve sustainable development goals, Green Sukuk
can be used to preserve the environment and natural resources, save energy, encourage the
use of renewable energy, and reduce the effects of greenhouse gas emissions.

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and Fostering Hope. ICHST. Vol 2 (1). 127-134. 2025

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