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All Journal Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Jurnal Ekonomika dan Bisnis Islam Sharia Economic and Management Business Journal (SEMBJ) Hasina: Jurnal Akuntansi dan Bisnis Syariah
M. Andika Yuda Pratama
State Islamic University Mataram
Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Digitalisasi Wakaf Uang di Indonesia: Potensi, Tantangan, dan Studi Kasus Platform Digital Yuda Pratama, M. Andika
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 7 No. 1 (2025): Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/1f1gfp58

Abstract

The digitalization of cash waqf represents a pivotal innovation in the development of Islamic social finance amid the Fourth Industrial Revolution. Despite its vast potential to support social development and empower communities, the actual realization of cash waqf in Indonesia remains significantly underutilized. Key challenges include low public literacy, the absence of comprehensive digital regulations, and limited integration among digital platforms. This study aims to explore the potential, challenges, and strategic roadmap for cash waqf digitalization in Indonesia, with a specific focus on three digital platforms: LinkAja Syariah, e-Salaam, and GoAmal by Dompet Dhuafa. Employing a qualitative descriptive approach through library research, this paper draws from scholarly journals, official regulations, DSN-MUI fatwas, and institutional reports. The data were analyzed using descriptive-comparative and content analysis methods. Findings suggest that digitalization enhances accessibility, transactional efficiency, and donor engagement but still faces issues related to trust, governance, and regulatory frameworks. As a contribution, this article proposes a phased roadmap—from short-term literacy campaigns and QRIS integration to long-term blockchain-based national platforms—that may guide policymakers and practitioners. The study concludes by emphasizing the need for multisector collaboration involving BWI, KNEKS, OJK, and waqf institutions to build a sustainable and trustworthy digital waqf ecosystem. Keywords: Digital Cash Waqf, Islamic Social Finance, Sharia Financial Technology, Waqf Platforms, Digital Waqf Roadmap.
Akuisisi dan Konsolidasi Startup di Indonesia: Telaah Literatur atas Dampaknya terhadap Persaingan Usaha dan Inovasi M. Andika Yuda Pratama
Jurnal Akuntansi dan Bisnis Syariah Vol 2 No 2 (2025): Edisi 3
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/hasina.v2i2.2024

Abstract

Konsolidasi dan akuisisi startup digital di Indonesia menunjukkan tren yang semakin kuat dalam beberapa tahun terakhir, ditandai dengan kasus besar seperti merger Gojek–Tokopedia (GoTo), OVO–DANA, serta Traveloka–Pegipegi. Fenomena ini menimbulkan dilema antara efisiensi operasional dan risiko terhadap persaingan usaha serta stagnasi inovasi. Artikel ini bertujuan untuk mengkaji dampak konsolidasi startup terhadap struktur persaingan dan dinamika inovasi di Indonesia, dengan menyoroti celah regulasi yang belum mengakomodasi kompleksitas pasar digital. Penelitian ini menggunakan metode kualitatif berbasis studi pustaka (library research), dengan sumber data dari literatur ilmiah, regulasi (UU No. 5 Tahun 1999 dan kebijakan KPPU), laporan industri, dan dokumentasi media. Analisis dilakukan melalui content analysis dan thematic analysis untuk mengidentifikasi pola dampak terhadap kompetisi, inovasi, dan kebijakan publik. Hasil kajian menunjukkan bahwa konsolidasi memberikan efek ambivalen: memperkuat efisiensi melalui sinergi layanan, namun juga berisiko menciptakan dominasi pasar, menghambat masuknya pelaku baru, dan mematikan inovasi disruptif. Penilaian merger di Indonesia masih bersifat struktural dan belum mempertimbangkan dimensi inovasi sebagai indikator dampak. Oleh karena itu, disarankan agar regulasi merger kontrol mengadopsi pendekatan berbasis inovasi dan mendukung terciptanya ekosistem yang kompetitif dan inklusif bagi pertumbuhan startup. Penelitian ini memberikan kontribusi konseptual terhadap pengembangan kebijakan persaingan di era ekonomi digital dan membuka peluang studi lanjutan dengan pendekatan empiris.
The Crisis of Paper Money and the Prospects for Cryptocurrency: An Analysis of the Maqashid al-Shariah Regarding Digital Monetary Instruments Muh. Baihaqi; M. Andika Yuda Pratama; Dahlia Bonang; Azizi Abu Bakar
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.1932

Abstract

Background: The development of digital monetary systems has posed serious challenges to Islamic financial principles, particularly in the context of the use of fiat money and the emergence of crypto assets. Paper money without real value backing tends to cause economic instability and violations of maqashid al-shariah, particularly in the aspect of hifz al-mal (protection of wealth). On the other hand, cryptocurrencies and Central Bank Digital Currencies (CBDCs) offer potential as alternative instruments, yet they still pose significant Shariah risks. This study aims to evaluate contemporary monetary instruments within the framework of maqashid al-shariah to assess the extent to which they fulfill the principles of justice, public interest, and the protection of the economic value of the ummah. Method: The method employed is qualitative research with a normative-theoretical approach. Data were collected through a literature review of classical maqashid texts (al-Ghazali, al-Shatibi, Ibn Ashur), DSN-MUI fatwas, central bank reports, and digital asset whitepapers. The analytical techniques employed include content analysis of primary and secondary documents, as well as critical discourse analysis to examine dominant narratives within the current financial system. Results: The research findings indicate that the fiat money system possesses structural weaknesses that potentially violate the maqashid. Cryptocurrencies and CBDCs have the potential to fill this gap if designed in accordance with Shariah principles. However, this revised article emphasizes the need for criticism regarding the potential for abuse of state power and mass surveillance in the implementation of CBDCs, which may conflict with other maqashid such as hifz al-nafs (protection of life) and hifz al-hurriyah (protection of freedom). A maqashid-based evaluation has proven effective in assessing the alignment of digital monetary instruments with Islamic values. Conclusion: This study contributes to the development of a maqashid-based evaluative framework for digital financial innovations. Collective ijtihad and synergy between scholars and technologists are required to establish a just and sustainable Islamic monetary system.
The Potential For Gharar and Monopoly in Grab’s Acquisition Of Goto: A Sharia Economic Perspective on Indonesia’s Digital Market M. Andika Yuda Pratama
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 2 (2025): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n2.p147-158

Abstract

The rapid consolidation of Indonesia’s digital economy marked by platform giants like Grab, Gojek, and Tokopedia raises urgent concerns about market fairness, transparency, and ethical conduct. One particularly significant development is the rumored acquisition of GoTo by Grab, which could reshape the competitive landscape of digital transport, fintech, and e-commerce. This study investigates the potential presence of gharar (excessive uncertainty) and ihtikar (monopoly) within the context of Islamic economic ethics. The primary aim of this research is to analyze the structure and implications of the Grab-GoTo acquisition through the lens of Shariah, focusing on the principles of ‘adl (justice), maslahah (public benefit), and la dharar wa la dirar (no harm and no reciprocation of harm). Using a qualitative descriptive-analytical approach, this study employs a literature review method, drawing data from official reports, regulatory documents (KPPU, OJK, Law No. 5/1999), DSN-MUI fatwas, and peer-reviewed journals. Content analysis is applied to examine asymmetries in information, speculative valuations, and the market dominance likely to arise post-acquisition. Findings indicate the presence of significant gharar, particularly in the areas of valuation opacity and information asymmetry, which may disadvantage retail investors. Moreover, the acquisition risks forming a digital ihtikar by centralizing control over consumer data and essential digital services, potentially harming competition and limiting consumer choice. These outcomes challenge core Islamic economic values and necessitate stronger ethical and regulatory interventions. The study concludes that while digital consolidation may yield economic efficiencies, it must be closely regulated to avoid ethical violations and structural harm. Further research is encouraged to develop Shariah-aligned antitrust frameworks capable of addressing emerging complexities in digital markets.
Co-Authors Azizi Abu Bakar Baihaqi, Muh Bonang, Dahlia