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All Journal Journal of Islamic Banking, Economics and finances (JIBEF)
M. Syahrullah
Universitas Muhammadiyah Riau
Religion Economics, Econometrics & Finance Social Sciences

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Manajemen Koperasi Syariah Dalam Meningkatkan Kesejahteraan ANggota Suci Rianti; Elvira Zahrani; Nasywah Hafizhah Az Zahara; M. Syahrullah
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 3 (2026): Perspective al-Qur'an and al-Hadits
Publisher : EL-EMIR Institute

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Abstract

Penelitian ini bertujuan untuk menganalisis implementasi ilmu-ilmu Al-Qur’an dan Hadis sebagai basis dalam memahami dan menyelesaikan isu-isu kontemporer dalam manajemen koperasi syariah. Penelitian ini menggunakan metode kepustakaan (library research) dengan mengkaji berbagai sumber literatur berupa buku, jurnal ilmiah, serta dokumen terkait, termasuk buku Manajemen Koperasi Syariah karya Munthe et al. Analisis dilakukan dengan pendekatan deskriptif-analitis dan normatif berdasarkan Al-Qur’an dan Hadis. Hasil penelitian menunjukkan bahwa nilai-nilai dalam Al-Qur’an dan Hadis seperti amanah, kejujuran, transparansi, keadilan, dan profesionalitas memiliki peran penting dalam mengatasi berbagai permasalahan koperasi syariah, seperti moral hazard, asymmetric information, serta tanta ngan digitalisasi. Implementasi nilai-nilai tersebut mampu meningkatkan akuntabilitas, kepercayaan anggota, serta keberlanjutan koperasi syariah.
A CRITICAL REVIEW OF THE APPLICATION OF MURABAHA AGREEMENT IN SHARIA BANKING: AN ANALYSIS OF MAQHASID SHARIA Muhammad Lisman; M. Syahrullah
Journal of Islamic Banking, Economics and Finance Vol. 1 No. 4 (2025): Juli 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v1i4.277

Abstract

Penelitian ini bertujuan untuk mengkaji secara kritis implementasi akad murabahah pada perbankan syariah di Indonesia dengan menggunakan perspektif maqashid syariah. Akad murabahah merupakan salah satu produk pembiayaan dominan dalam industri perbankan syariah. Namun, dalam praktiknya sering kali terjadi penyimpangan dari prinsip dasar syariah, terutama ketika murabahah hanya digunakan sebagai instrumen pembiayaan konvensional berbasis margin tetap. Hal ini menimbulkan pertanyaan mendalam mengenai kesesuaian implementasi murabahah terhadap maqashid syariah, yang mencakup perlindungan agama, jiwa, akal, keturunan, dan harta. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan teknik studi pustaka dan analisis konten terhadap praktik perbankan, fatwa DSN-MUI, serta teori maqashid syariah menurut para pemikir kontemporer seperti Jasser Auda. Hasil penelitian menunjukkan bahwa praktik murabahah di beberapa bank syariah masih cenderung formalis dan belum sepenuhnya mencerminkan nilai-nilai maqashid syariah, terutama dalam aspek keadilan, transparansi, dan perlindungan terhadap nasabah. Oleh karena itu, diperlukan reformulasi model akad murabahah yang lebih substansial dan sejalan dengan tujuan syariah secara holistik. Penelitian ini memberikan kontribusi terhadap penguatan praktik keuangan syariah berbasis maqashid syariah demi tercapainya keadilan dan kesejahteraan umat.
Pengaruh Cybersecurity Terhadap Layanan Mobile Banking Bank Syariah Di Kota Pekanbaru Indah Nursifa Abdul Gani; M. Syahrullah; Marabona Munthe
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 1 (2025): October 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v2i1.307

Abstract

The development of digital technology has encouraged the banking sector, including Islamic banking in Indonesia, to introduce mobile banking-based services in an effort to improve service quality and meet customer needs quickly, easily, and efficiently. However, the growth of this digital service is also accompanied by an increase in the potential for cyber threats that can compromise data security, customer trust, and convenience in transactions. This study aims to analyze the impact of cybersecurity on Islamic mobile banking services in Indonesia, specifically on aspects of security, system reliability, and customer satisfaction. The research method used a quantitative approach by distributing questionnaires to customers using Islamic mobile banking services. Data were analyzed through validity and reliability tests and linear regression analysis to determine the relationship between cybersecurity variables and the quality of digital banking services. The results show that good cybersecurity implementation has a significant influence on customer trust and satisfaction, as well as improving perceptions of the quality of Islamic mobile banking services. These findings confirm that digital security aspects are a critical factor that Islamic banks need to consider in developing mobile banking services, to support sustainability, competitiveness, and public trust in the Islamic banking system in the digital era.
Pengaruh Pinjaman Online Terhadap Perilaku Konsumtif Mahasiswa Perbankan Syariah Kota Pekanbaru Niken Damayanti; Fitri Fitri; M. Syahrullah
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 1 (2025): October 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v2i1.309

Abstract

The development of financial technology (fintech) has introduced online loan services that facilitate access to cash, including among students. While offering convenience and speed of disbursement, online loans have the potential to encourage student consumer behavior, leading to serious financial risks. This study aims to examine the influence of online loan use on the consumer behavior of students in the Islamic Banking Study Program in Pekanbaru City. The method used was quantitative, with a simple random sampling technique involving 81 respondents from a population of 442 students using online loans. Data were collected through a Likert-scale questionnaire and analyzed using simple linear regression analysis and classical assumption tests. The results showed a positive and significant influence of online loan use on student consumer behavior. These findings suggest that the ease of access and short process of online loans encourage students to engage in irrational and wasteful consumer behavior. Therefore, financial literacy education and strict regulations are urgently needed to reduce the risk of problem debt and foster healthy consumption patterns among students.
PENGARUH PEMBIAYAAN KUR TERHADAP PERKEMBANGAN USAHA MIKRO DAN KECIL (UMK) NASABAH PT. BANK RIAU KEPRI SYARIAH KEDAI AIRTIRIS M. Habib Alfarishi; M. Syahrullah; Muhammad Lisman
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 1 (2025): October 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v2i1.318

Abstract

This study aims to analyze the influence of Kredit Usaha Rakyat (KUR) financing on the development of micro and small enterprises (MSEs) among the customers of PT. Bank Riau Kepri Syariah Kedai Air Tiris. The research employs a quantitative method with an associative approach. The population consists of all KUR financing recipients at PT. Bank Riau Kepri Syariah Kedai Air Tiris, with a sample of 100 respondents selected using probability sampling through a random sampling method. Data were collected using questionnaires and analyzed through simple linear regression with the assistance of IBM SPSS 27 software. The findings reveal that KUR financing has a positive and significant effect on the development of micro and small enterprises. This is evidenced by a significance value of 0.000 < 0.05. The coefficient of determination (R²) value of 0.412 indicates that 41.2% of the variation in micro and small enterprise development can be explained by KUR financing, while the remaining 58.8% is influenced by other factors beyond this study. These results confirm that KUR financing plays an important role in supporting the growth of micro and small enterprises, particularly in enhancing access to capital, production capacity, and market expansion. Therefore, optimizing the distribution of KUR financing is expected to strengthen the MSE sector as a key pillar of regional economic development.
Co-Authors Elvira Zahrani Fitri Fitri Indah Nursifa Abdul Gani Lisman, Muhammad M. Habib Alfarishi Marabona Munthe Nasywah Hafizhah Az Zahara Niken Damayanti Suci Rianti