Garuda - Garba Rujukan Digital

PEER-TO-PEER LENDING SYSTEM IN HIFDUN MAAL PERSPECTIVE: EVIDENCE FROM THE FINTECH COMPANY OF INVESTREE Anisa Fadilah Zustika; Ana Toni Roby Candra Yudha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 8 (2020): Agustus-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20208pp1584-1597

The technology-based financial management system or so-called financial technology (fintech) has become a trend in the millennial era, both with sharia or conventional labels. This study aims to determine and examine the operational mechanisms and implications of the application of the peer to peer lending system, which is used as a transaction method both in funding and financing. The approach used is qualitative, an approach that prioritizes the subjectivity aspects of researchers and informants. The informants of this study are experts from several stakeholders such as the MUI of East Java, Masyarakat Ekonomi Syariah (MES) branch of Semarang, and 2 sharia fintech business owners and practitioners in East Java. The study results obtained are fintech based on a peer to peer lending system (P2PL) in the perspective of hifdzu mal (Investree company case study) is an online loan transaction that is consistent with the theory of hifdzu maal. The suitability of the transaction with hifdul maal, because each agreement is clear and in accordance with sharia provisions such as fair, mutually committed, and protect ownership. Suggestions from this study are the need for the addition of sharia supervisory board (DPS) for fintech, collaboration with universities in business development so that literacy and inclusion of fintech can be more extensive and developed.Keywords: fintech, peer to peer lending (P2PL), protection of wealth

Analisis Dompet Digital “Link Aja Syariah” dari Perspektif Maslahah Mursalah Anisa Fadilah Zustika; Achmad Fageh
Islamic Economics Journal Vol 8, No 1 (2022)
Publisher : University of Darussalam Gontor

Industry of 4.0 era it is no stranger to talk about digital wallets whose existence can make it easier for humans to make payment systems.There are many kinds of digital wallets in Indonesia, first one that is sharia-based is the "Link Aja Syariah" application where this application gets the MUI DSN certificate. The purpose of this study is to analyze the Link Aja Syariah digital wallet application from the perspective of Maslahah Mursalah. The method used in this study uses a qualitative method with a library research approach with primary data sources originating from the official website link aja sharia and secondary data referring to journals, books, ebooks, the Qur'an and hadith and other Islamic literature. Based on the results of the research above, it states that benefits provided by the Link Aja Syariah application were ease of transaction. This benefit can be felt by all, both users and agencies concerned, so that it is in line with the rules of maslaha mursalah.

Analisis Dompet Digital “Link Aja Syariah” dari Perspektif Maslahah Mursalah Anisa Fadilah Zustika; Achmad Fageh
Islamic Economics Journal Vol. 8 No. 1 (2022)
Publisher : University of Darussalam Gontor

Industry of 4.0 era it is no stranger to talk about digital wallets whose existence can make it easier for humans to make payment systems.There are many kinds of digital wallets in Indonesia, first one that is sharia-based is the "Link Aja Syariah" application where this application gets the MUI DSN certificate. The purpose of this study is to analyze the Link Aja Syariah digital wallet application from the perspective of Maslahah Mursalah. The method used in this study uses a qualitative method with a library research approach with primary data sources originating from the official website link aja sharia and secondary data referring to journals, books, ebooks, the Qur'an and hadith and other Islamic literature. Based on the results of the research above, it states that benefits provided by the Link Aja Syariah application were ease of transaction. This benefit can be felt by all, both users and agencies concerned, so that it is in line with the rules of maslaha mursalah.

Penerapan Etika Bisnis Islam Dalam kegiatan Entrepeunership (Study kasus AHASS Putra Merdeka 01499 Surabaya) anisa fadilah zustika; naufal ubaidillah
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10039

This study aims to analyze the application of Islamic Business Ethics in the management of the workshop Ahass Putra Merdeka 01499 Surabaya. The study used a qualitative approach by conducting indept interviews. Further analyzed using descriptive analysis methods. The results of this study concluded that the management of ahass putra merdeka 01499 Surabaya workshop in accordance with the basic values of Islamic Business Ethics. The first is the value of Tawheed to carry out buying and selling activities without a usury system and to sell certain goods, namely motor spare parts and providing services and understanding all ownership belongs to Allah so that the workshop owner performs zakat every year as an obligation and performs shodaqoh every day to help fellow human beings , both intellectual values and responsibilities, the third value of worship workshop owner requires for a matter of 5 times for employees so as not to leave the obligations of a muslim and perform prayers before doing activities to seek the pleasure and blessings of Allah, the fourth value tazkiyah owner apply the principles of honesty, justice, openness, the fifth value ihsan kindness to others, and togetherness. The results of the study stated that the basic values in Islamic business ethics have been fully applied in the management of Ahaas Putra Mederka 01499 Surabaya workshop. To support these values, it is necessary to upgrade several things both technically and facilities.

IMPLEMENTATION OF MULTI-AKAD STRUCTURES IN SHARIA PEER-TO-PEER LENDING PLATFORMS: A STUDY ON LEGAL COMPLIANCE AND INNOVATION IN INDONESIA’S FINTECH ECOSYSTEM Zustika, Anisa Fadilah; Widiastuti, Tika; Bonang, Dahlia
istinbath Vol. 24 No. 1 (2025): June
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v24i1.913

In the era of Society 5.0, the development of digital technology has increasingly influenced Indonesia’s financial sector, particularly through financial technology (fintech). This study explores the implementation of multi-akad (multiple contract structures) in Sharia Peer-to-Peer (P2P) Lending platforms in Indonesia. Using a qualitative case study method supported by in-depth interviews and documentation, the study identifies and analyzes contract types such as Qardh, Wakalah bil Ujrah, and Mudharabah Mutlaqah as applied within P2P lending schemes. Findings show that multi-akad practices, specifically categorized under al-‘Uqud al-Mujtami’ah, not only support Sharia compliance but also demonstrate innovation in adapting Islamic jurisprudence to contemporary digital finance. The study contributes to regulatory strengthening, offering insights to policymakers, platforms, and stakeholders in developing inclusive and ethical Sharia-compliant fintech ecosystems.

Fintech Ecosystem on Blockchain-Based Sukuk: Perspective of Al-Najjar's Maqāṣid Al-Shariah Concept Iman, Aldi Khusmufa Nur; Zustika, Anisa Fadilah; Maghfiroh, Lailatul; Wahdati, Anis
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 2 (2025): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i2.2086

The Fourth Industrial Revolution has had a significant impact on financial technology, one of which is the emergence of blockchain technology as a tool for sukuk issuance. This study aims to analyze the fintech ecosystem in blockchain-based sukuk using the Maqāṣid al-najjar theory approach, which include: faith, humanity, self, mind, welfare, social entities, wealth, and the environment. This study uses a qualitative methodology with a literature study approach. The results of the study indicate that sukuk based on blockchain technology are in line with seven of the eight basic principles set out in the Maqāṣid al-najjar framework. technology such as smart contracts, transparency of blockchain technology, efficiency of sukuk issuance, and safe and globally supportive accessibility. such as an example of one of the values of faith through Sharia compliance, humanity through efficiency and reduction of issuance costs, and wealth through the distribution of assets carried out safely and transparently. However, the environmental dimension is still not met in these values, due to the high energy consumption of blockchain, which is contrary to the Maqāṣid al-najjar theory of preserving the environment. This study concludes that blockchain technology-based sukuk is very much in line with the basic principles of Maqāṣid Al Najjar, such as increasing the efficiency and accessibility of Islamic financial instruments. However, to fully fulfill the eight elements of Maqāṣid sharia initiated by al najjar, efforts are needed to address environmental problems and challenges through the development and innovation of energy-efficient blockchain technology or other sustainable solutions

Penerapan Etika Bisnis Islam Dalam kegiatan Entrepeunership (Study kasus AHASS Putra Merdeka 01499 Surabaya) zustika, anisa fadilah; ubaidillah, naufal
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10039

This study aims to analyze the application of Islamic Business Ethics in the management of the workshop Ahass Putra Merdeka 01499 Surabaya. The study used a qualitative approach by conducting indept interviews. Further analyzed using descriptive analysis methods. The results of this study concluded that the management of ahass putra merdeka 01499 Surabaya workshop in accordance with the basic values of Islamic Business Ethics. The first is the value of Tawheed to carry out buying and selling activities without a usury system and to sell certain goods, namely motor spare parts and providing services and understanding all ownership belongs to Allah so that the workshop owner performs zakat every year as an obligation and performs shodaqoh every day to help fellow human beings , both intellectual values and responsibilities, the third value of worship workshop owner requires for a matter of 5 times for employees so as not to leave the obligations of a muslim and perform prayers before doing activities to seek the pleasure and blessings of Allah, the fourth value tazkiyah owner apply the principles of honesty, justice, openness, the fifth value ihsan kindness to others, and togetherness. The results of the study stated that the basic values in Islamic business ethics have been fully applied in the management of Ahaas Putra Mederka 01499 Surabaya workshop. To support these values, it is necessary to upgrade several things both technically and facilities.

Analisis Dompet Digital “Link Aja Syariah” dari Perspektif Maslahah Mursalah Anisa Fadilah Zustika Zustika; Achmad Fageh Fageh
Islamic Economics Journal Vol. 8 No. 01 (2022): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar

Industry of 4.0 era it is no stranger to talk about digital wallets whose existence can make it easier for humans to make payment systems.There are many kinds of digital wallets in Indonesia, first one that is sharia-based is the "Link Aja Syariah" application where this application gets the MUI DSN certificate. The purpose of this study is to analyze the Link Aja Syariah digital wallet application from the perspective of Maslahah Mursalah. The method used in this study uses a qualitative method with a library research approach with primary data sources originating from the official website link aja sharia and secondary data referring to journals, books, ebooks, the Qur'an and hadith and other Islamic literature. Based on the results of the research above, it states that benefits provided by the Link Aja Syariah application were ease of transaction. This benefit can be felt by all, both users and agencies concerned, so that it is in line with the rules of maslaha mursalah.

Navigating Halal-Critical Materials In The Fashion Industry: A Socio Legal Study Of Non Halal Animal Derived Products Anisa Fadilah Zustika; Auliya Ghazna Nizami; Kamilatus Salsabia; Sania Ardiana
Journal of Sharia Economic Law Vol. 4 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v4i1.10167

The rapid growth of the global fashion industry has increased demand for leather-based products such as shoes, bags, wallets, jackets, and accessories. However, pig skin is still used in some fashion products, and its material composition is often not clearly disclosed to Muslim consumers. This raises concerns regarding sharia compliance, transparency, and consumer protection. This study examines the use of pig skin in fashion products from the perspective of Islamic law and explores Muslim consumer awareness of this issue. A qualitative socio-legal approach was employed to integrate normative Islamic legal principles with empirical practices in the fashion industry. Data were collected through document analysis of Islamic legal sources and halal regulations, in-depth interviews with Islamic scholars, halal facilitators, fashion MSME actors, and Muslim consumers, as well as field observations. Thematic analysis was applied to identify patterns of compliance and responses to halal market demands. The findings indicate that pig skin is inconsistent with halal principles because it is prohibited in Islam. Although Muslim consumer awareness has increased, many consumers still experience difficulties identifying product materials due to inadequate labeling. From a business perspective, the use of non-halal materials may reduce consumer trust and harm brand reputation, whereas transparent material disclosure and halal certification enhance customer confidence and market competitiveness. The study emphasizes the need to strengthen halal literacy, improve labeling transparency, and reinforce halal supply chain governance in Indonesia's fashion industry

Faktor-Faktor Yang Mempengaruhi Minat Muslim Milenial Dalam Pembayaran Zakat, Infak, Dan Sadaqah (ZIS) Melalui Sistem Digital: Pendekatan Teori Utaut Model Anisa Fadilah Zustika; Sri Abidah Suryaningsih; Kamilatus Salsabila
Ekosiana Jurnal Ekonomi Syari ah Vol. 13 No. 1 (2026): EKOSIANA : JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah, STAI AN-NAJAH INDONESIA MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47077/ekosiana.v13i1.731

Penelitian ini bertujuan mengkaji pengaruh minat Muslim milenial dalam menggunakan sistem digital untuk pembayaran zakat,infak,dan sadaqah (ZIS) dengan mengadopsi konsep Unified Theory of Accaptance and Use of Technology (UTAUT). Sistem digital berperan sebagai platform pembayaran yang memberikan kemudahan bagi penggunanya. Penelitian ini menggunakan data primer yang dikumpulkan menggunakan kuesioner survei online. Survei dilakukan pada generasi millenial, sampel yang digunakan dalam penelitian ini sebanyak 60 responden. Selanjutnya dilakukan analisis data dengan menggunakan Partial Least Square (PLS). Hasil penelitian menunjukan bahwa variabel performance expectancy, export expectanc,social influence, dan facilitating condition secara signifikan berpengaruh terhadap niat muslim millenial dalam pembayaran ZIS dengan sistem digital

Title

Found 10 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 10 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 10 Documents
Search