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Khaidar Rahmaini Jamila
Jurusan Perbakan Syariah Fakultas Ekonomi Dan Bisnis Islam, Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance Engineering

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Analisis Perbankan Syariah Di Jordan Angger Gumilang; Fathiya Syahidah Nasution; Syairah Nasution; Khaidar Rahmaini Jamila
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 2 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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The development of the Islamic banking industry in Jordan has shown steady growth since its inception in 1978, supported by comprehensive regulations and the experienced pioneering financial institutions such as Jordan Islamic Bank. The Islamic banking system in the country offers an alternative financing option rooted in principles of justice, transparency, and prohibition of riba, gharar, and maisir. Although facing challenges such as dominance of conventional banks and low financial literacy among the public, the industry possesses significant opportunities through the development of sukuk instruments, Islamic microfinance, and other innovative Sharia-compliant financial products. Government support, a robust legal framework, and the utilization of digital technology are key factors driving sustainable growth and strengthening the position of the Islamic banking sector in the Middle East region and globally. This study provides an analysis of the industry’s development, regulation, products, as well as the challenges and opportunities faced by the Islamic banking sector in Jordan.
Perbankan Syariah Di Oman Servina Rahayu; Endang Suriyani Munthe; Khaidar Rahmaini Jamila
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 2 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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Islamic banking in Oman began to develop following the implementation of the Islamic Banking Regulatory Framework by the Central Bank of Oman in 2011. This study aims to examine the development of Islamic banking in Oman, including its history, regulations, contracts, products, and the challenges it faces. The research employs a qualitative approach using a library research method. The findings indicate that Islamic banking in Oman has experienced relatively rapid growth, supported by a strong regulatory framework and the adoption of international standards. However, the industry still faces several challenges, such as low public literacy, limited human resources, insufficient Islamic liquidity instruments, and intense competition with conventional banks. Therefore, strengthening regulations and further industry development strategies are needed to enable Islamic banking to contribute optimally to Oman’s economy.
Perbankan Syariah Di Bangladesh Salwa Latipah; Zulfahri Salim; Khaidar rahmaini jamila
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 2 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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Bangladesh, home to one of the world's largest Muslim populations, holds enormous potential for the development of Islamic banking. More than 90% of Bangladesh's population is Muslim, fueling a growing need and demand for financial services based on Islamic principles. Islamic banking is viewed as an alternative financial system that not only aligns with Islamic values ​​but also promotes justice, transparency, and public welfare. This study aims to examine the development, potential, and role of Islamic banking in Bangladesh in supporting the national financial system. The research method used is literature review with a qualitative descriptive approach. Data were obtained through the collection of various written sources, such as books, scientific journals, financial institution reports, and official publications relevant to the topic of Islamic banking in Bangladesh. The collected data were then systematically analyzed to obtain a comprehensive picture of the condition and prospects of Islamic banking in the country. The study results indicate that Islamic banking in Bangladesh has experienced significant development along with increasing public awareness of the Islamic financial system. However, several challenges remain, such as limited regulations, Islamic financial literacy, and competition with conventional banking. Therefore, policy support and institutional strengthening are needed to optimize the role of Islamic banking in the Bangladeshi economy.
Perbankan Syariah Internasional: Prinsip Dan Perkembangannya Leni Shofiyani; Nasya Wahyuni; Putri Ramadani; Khaidar Rahmaini Jamila
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 2 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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International Islamic banking is a financial system that operates based on the principles of Islamic sharia, which rejects the practices of riba (interest), gharar (uncertainty), and maysir (speculation), and emphasizes the values ​​of justice, transparency, and partnership in every financial transaction. Along with the increasing global awareness of the importance of a stable, fair, and ethical financial system, international Islamic banking has experienced significant development, not only in countries with Muslim majorities, but also in non-Muslim countries. This phenomenon shows that Islamic principles have universal appeal because they offer an alternative financial system that is oriented towards the real sector and based on profit sharing. This study aims to analyze the fundamental principles that underlie the operations of international Islamic banking and evaluate its development and strategic role in the global financial system. The research method used is library research with a descriptive qualitative approach, through the collection and analysis of various literature sources in the form of books, national and international scientific journals, financial institution reports, and relevant official documents. The study's findings indicate that international Islamic banking plays a crucial role in enhancing the stability of the global financial system, promoting financial inclusion, and supporting sustainable economic growth through partnership-based financing and prudential principles. Furthermore, Islamic banking is considered a potential alternative financial system resilient to crises by avoiding speculative and excessive practices. Therefore, international Islamic banking has promising prospects as an integral part of the global financial system in the future.
Co-Authors Angger Gumilang Endang Suriyani Munthe Fathiya Syahidah Nasution Leni Shofiyani Nasya Wahyuni Putri Ramadani Salwa Latipah Servina Rahayu Syairah Nasution Zulfahri Salim