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All Journal TASAMUH: Jurnal Studi Islam Qonun Iqtishad EL Madani Journal KASBANA: Jurnal Hukum Ekonomi Syari'ah
Yuni Armayanti
Institut Agama Islam Rokan
Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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TRANSAKSI AKAD MUDHARABAH PADA PEMBIAYAAN USAHA DALAM PESANTREN DI PROVINSI RIAU MENURUT PERSFEKTIF MAQASHID SYARIAH Sugito Sugito; Yuni Armayanti; Lailatul Husna
KASBANA Vol 6 No 1 (2026): Januari (IN PROGRESS)
Publisher : Sekolah Tinggi Ilmu Syariah Darul Falah Bondowoso

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Abstract

Abstract This study analyzes the implementation of Islamic economic law in the Islamic boarding school (pesantrenpreneur) model in Riau Province, focusing on the suitability of sharia contracts and their contribution to the economic empowerment of the community. The research method used is normative law combined with a qualitative case study approach in three Islamic boarding schools (pesantren) in Pekanbaru, Kampar, and Rokan Hilir. Data were collected through in-depth interviews, participant observation, and documentation studies, analyzed using the interactive model of Miles and Huberman. The results show that Islamic boarding school (pesantrenpreneur) has established a sharia economic ecosystem that integrates da'wah values with business practices, using mudharabah, musyarakah, and productive waqf contracts. However, the findings reveal substantive deficiencies in the contract documents, particularly the absence of explicit clauses regarding loss settlement mechanisms and risk distribution, as well as weaknesses in sharia supervision of productive waqf. From the perspective of maqashid sharia, although the principle of halalan thayyiban has been implemented, there are gaps in the accountability of fund management (hifzh al-mal) and consumer protection (hifzh al-nafs). This study recommends institutional restructuring, refinement of contract documents, and strengthening of the sharia supervisory system to ensure comprehensive compliance with sharia economic principles. Keywords: Islamic Boarding School Entrepreneur, Sharia Economic Law, Sharia Contracts, Maqasid Sharia, Economic Empowerment
Pandangan Filsuf Muslim Dan Barat Tentang Filsafat Dan Sains Islam Yuni Armayanti; Laila Afni Rambe
Tasamuh: Jurnal Studi Islam Vol. 17 No. 2 (2025): Tasamuh: Jurnal Studi Islam
Publisher : LPPM IAIN Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47945/tasamuh.v17i2.2010

Abstract

This paper examines the views of Muslim and Western philosophers on Islamic philosophy and science, with the aim of understanding the contributions and interactions between the two traditions of thought. Muslim philosophers such as Al-Farabi, Ibn Sina, and Al-Ghazali attempted to integrate religious teachings with rational thought, creating a dialogue between revelation and reason. They emphasized the importance of empirical experience, ethics, and spirituality in the development of science. Western philosophers, on the other hand, provided a different perspective, often emphasizing rationalism, empiricism, and the scientific method. Despite differences in epistemological and methodological approaches, the dialogue between Muslim and Western philosophers shows that the search for truth is a universal endeavor that transcends cultural and religious boundaries. This paper hopes to provide deeper insight into the relationship between philosophy and science in the Islamic context and the significant contributions made by thinkers from both traditions to the development of global science. The findings suggest that despite methodological differences, both Muslim and Western thinkers recognize the organic unity of philosophy and science in the Islamic tradition, as well as its relevance in addressing contemporary epistemological challenges.
Fintech dan Kinerja Bank Syariah: Apakah Transformasi Digital Meningkatkan Efisiensi? Yuni Armayanti
Qonun Iqtishad EL Madani Journal Vol. 5 No. 1 (2025)
Publisher : Yayasan Marwah Madani Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55438/jqim.v5i1.193

Abstract

Transformasi digital melalui adopsi teknologi finansial (fintech) diyakini dapat meningkatkan efisiensi operasional bank syariah. Namun, efektivitas implementasi fintech dalam menurunkan biaya operasional masih menjadi perdebatan, terutama di konteks bank syariah Indonesia. Penelitian ini bertujuan untuk menganalisis pengaruh adopsi fintech terhadap efisiensi operasional bank syariah yang diukur dengan rasio BOPO (Biaya Operasional terhadap Pendapatan Operasional). Metode yang digunakan adalah pendekatan kuantitatif dengan analisis regresi linier berganda, menggunakan data sekunder dari laporan keuangan 14 bank syariah selama periode 2020–2024 dan diolah menggunakan aplikasi EViews 12. Hasil penelitian menunjukkan bahwa fintech berpengaruh positif terhadap BOPO dengan koefisien sebesar 0.0792 dan tingkat signifikansi 10% (p = 0.0617), yang mengindikasikan bahwa adopsi fintech justru berasosiasi dengan peningkatan biaya operasional dalam jangka pendek. Hal ini disebabkan oleh tingginya investasi awal dalam infrastruktur digital dan pelatihan SDM. Temuan ini menyiratkan bahwa strategi digitalisasi perlu diseimbangkan dengan efisiensi biaya dan kesiapan organisasi. Implikasi manajerialnya adalah pentingnya evaluasi menyeluruh terhadap dampak biaya dari adopsi fintech agar tujuan efisiensi bank syariah dapat tercapai secara optimal. Kata Kunci : Fintech, Efisiensi Bank Syariah, BOPO, Transformasi Digital. ABSTRACT Digital transformation through the adoption of financial technology (fintech) is widely expected to improve the operational efficiency of Islamic banks. However, the actual impact of fintech on cost reduction remains debatable, particularly within the context of Islamic banking in Indonesia. This study aims to examine the effect of fintech adoption on the operational efficiency of Islamic banks, measured by the BOPO ratio (Operating Expenses to Operating Income). A quantitative approach was employed using multiple linear regression analysis on secondary data from 14 Islamic banks over the period 2020–2024, processed with EViews version 12. The results show that fintech adoption has a positive effect on BOPO, with a coefficient of 0.0792 and a marginal significance level of 10% (p = 0.0617), indicating that digital initiatives are associated with increased operating costs in the short term. This is likely due to initial investments in digital infrastructure and human resource development. The findings suggest that digital transformation strategies should be aligned with cost control and organizational readiness. The managerial implication is the necessity for a more strategic and selective approach in adopting fintech, ensuring that its implementation contributes effectively to long-term efficiency goals of Islamic banks . Keywords : Fintech, Islamic Bank Efficiency, BOPO, Digital Transformation
Co-Authors Laila Afni Rambe Lailatul Husna Sugito Sugito