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All Journal Perisai : Islamic Banking and Finance Journal Jurnal Ekonomi, Bisnis dan Manajemen
Fadllan Fadllan
Universitas Islam Negeri Madura
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Asset Confiscation in Gold Pawn Corruption Cases : An Analysis from Islamic Law and Positive Law Perspectives Aulia Fitriyatus Sholihah; Fadllan Fadllan; Erie Hariyanto; Rudy Haryanto
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol. 6 No. 2 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Universitas Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i2.2439

Abstract

Corruption cases involving gold pawn (rahn) transactions within Islamic financial institutions highlight critical challenges related to sharia governance, fiduciary responsibility, and asset protection. Despite being founded on ethical and religious principles, sharia-compliant financial products remain vulnerable to financial crimes, particularly in high-value, asset-based transactions. This study examines asset confiscation mechanisms in a gold pawn corruption case in Pamekasan, Indonesia, analyzed through the perspectives of Islamic law and positive law. Employing a qualitative case study approach, this research utilizes statutory regulations, court-related legal documents, institutional reports, and secondary data from verified media and academic literature. The findings demonstrate that asset confiscation serves a dual function: as a legal instrument for state loss recovery under Indonesian anti-corruption law and as a normative mechanism aligned with Islamic legal principles such as amanah (trust), hifz al-mal (protection of property), justice, and public interest (maslahah). This study contributes to the literature by integrating Islamic jurisprudence with contemporary asset recovery discourse, emphasizing that asset confiscation is not merely a procedural legal act but a necessary governance mechanism to strengthen accountability and integrity within Islamic financial institutions. The research underscores the importance of harmonizing Islamic law and modern legal systems to restore public trust and enhance anti-corruption frameworks in sharia-compliant finance.
Determinants of Generation Z’s Interest in Using BYOND by BSI: An Empirical Study: Faktor-Faktor yang Mempengaruhi Minat Generasi Z dalam Menggunakan BYOND by BSI: Studi Empiris Nadya Apriza Azizi; Khotibul Umam; Fadllan Fadllan
Perisai : Islamic Banking and Finance Journal Vol. 9 No. 2 (2025): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i2.1876

Abstract

This study aims to analyze the factors influencing Generation Z’s interest in using BYOND for BSI digital banking services, selecting ease of use, security, and service features as independent variables. The researcher used a quantitative approach, conducting a purposive survey of 120 BSI customers in Pamekasan. Data analysis used SPSS version 24 to test validity and reliability, assess classical assumptions, perform multiple linear regression, and test hypotheses. The results showed that ease of use and security had a positive, significant effect on Generation Z’s interest, while service features had no significant partial effect. The regression model explains a significant amount of variation in interest. Theoretically, this study integrates the UTAUT and TAM models in Islamic digital banking for Generation Z, highlighting service features as minimum expectations. The practical implications recommend that BSI improve its UI/UX, security, and innovative features. The limitations of this study include its local scope and low R-squared, and it offers suggestions for broader follow-up research.
Co-Authors Aulia Fitriyatus Sholihah Erie Hariyanto Nadya Apriza Azizi Rudy Haryanto Umam, Khotibul