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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JEBD Jurnal Ekonomi Dan Bisnis
Safnah Soleha
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance Engineering Social Sciences

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Peran Regulasi Dan Standar Internasional (Aaoifi Dan Ifsb) Dalam Pengembangan Perbankan Syariah Di Indonesia Safnah Soleha; M. Aidil Syahputra; Afni Haryanti Harahap; Khaidar rahmaini jamila
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 2 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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

Abstract

Islamic banking in Indonesia is growing rapidly, but still faces challenges in harmonizing regulations and strengthening governance. At the international level, the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) and the Islamic Financial Services Board (IFSB) play a role in providing standards aimed at improving transparency, accountability, and stability of the Islamic financial system. This study aims to analyze the role of AAOIFI and IFSB standards in the development of Islamic banking in Indonesia and identify challenges in their implementation. This study used a literature review method, examining scientific journals, academic books, and official regulatory documents. The results show that Indonesia implements AAOIFI and IFSB standards adaptively by integrating their main principles into national regulations. AAOIFI standards contribute to improving the quality of financial reporting, while IFSB standards strengthen the risk management framework for Islamic banking. However, their implementation remains hampered by differences in legal systems, limited human resources, and the dominance of mandatory national regulations. Therefore, a gradual convergence strategy is considered the most relevant approach to optimizing the role of international standards in the development of Indonesian Islamic banking.
Optimalisasi Pembayaran Digital Melalui Quick Response Code Indonesian Standard (QRIS) pada UMKM Kota Medan Zainarti; Safnah Soleha; Tri Wina Sabrina; Dini Anggraini
Surplus: Jurnal Ekonomi dan Bisnis Vol. 3 No. 2 (2025): Januari-Juni 2025
Publisher : Yayasan Pendidikan Tanggui Baimbaian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71456/sur.v3i2.1328

Abstract

Transformasi digital dalam sistem ekonomi global telah membawa perubahan signifikan terhadap cara transaksi dilakukan, termasuk dalam sektor Usaha Mikro, Kecil, dan Menengah (UMKM). Di Indonesia, penerapan Quick Response Code Indonesian Standard (QRIS) menjadi salah satu bentuk inovasi sistem pembayaran digital yang bertujuan menciptakan transaksi yang cepat, efisien, dan inklusif.  Metode penelitian yang digunakan adalah deskriptif kuantitatif dengan pendekatan studi lapangan melalui wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa penggunaan QRIS memberikan berbagai dampak positif, seperti efisiensi waktu transaksi, pencatatan keuangan otomatis, serta peningkatan kredibilitas usaha di mata konsumen. Sekitar 55% transaksi harian berhasil dialihkan ke sistem digital, mempercepat layanan dan memperluas pasar. Studi ini menyimpulkan bahwa QRIS adalah alat strategis dalam mendorong digitalisasi UMKM, namun optimalisasinya membutuhkan dukungan infrastruktur, edukasi, dan kolaborasi multi-pihak untuk hasil yang lebih luas dan berkelanjutan.
Perkembangan Financial Technology Terkait Central Bank Digital Currency (CBDC) terhadap Transmisi Kebijakan Moneter dan Makroekonomi Safnah Soleha; Hikmah Indri Yani Harahap; Tri Wina Sabrina; Maryam Batubara
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23293

Abstract

The purpose of this study is to determine the development of financial technology related to central bank digital currency (CBDC) on the transmission of monetary and macroeconomic policies. The advancement of financial technology (fintech) continues to show a significant increase in today's digital age. This research uses descriptive qualitative research methods with literature studies. The descriptive method used in this research is to describe the direction or process of research development. In brief, it can be concluded that CBDC is electronic money issued by the central bank and can be accessed universally. on the transmission of monetary policy in Indonesia can be shown by the effect of changes in BI 7DRR on banking rates both deposit and credit rates. If the economy is in recession, Bank Indonesia will implement a loose monetary policy by lowering the benchmark interest rate so that economic activity increases. macroeconomics is part of economics that explores economic events and problems holistically as a unit. Macroeconomics also focuses attention on the role of the state in regulating economic activity. The development of fintech, which is in line with the increasingly wide open access to digital finance, has great potential to increase public access to the financial sector.
Co-Authors Afni Haryanti Harahap Dini Anggraini Hikmah Indri Yani Harahap Khaidar Rahmaini Jamila M. Aidil Syahputra Maryam Batubara Tri Wina Sabrina Zainarti