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All Journal Jurnal Manajemen Bisnis dan Keuangan
Sandi Andika
Institut Agama Islam Negeri Datuk Laksemana Bengkalis, Indonesia
Economics, Econometrics & Finance

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AN ANALYSIS OF THE EFFECTIVENESS OF CASH WAQF DIGITALIZATION THROUGH CROWDFUNDING PLATFORMS ON MSME EMPOWERMENT IN THE DIGITAL ECONOMY ERA: A CASE STUDY OF BENGKALIS DISTRICT Sandi Andika; Jeny Farhana; Nur Azizi; Putri Devi Jumartrianti
MBISKU: Jurnal Manajemen Bisnis dan Keuangan Vol. 3 No. 1 (2026): MBisKu, January 2026
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/mbisku.v3i1.1593

Abstract

This study analyzes the effectiveness of cash waqf digitalization through crowdfunding platforms in supporting the empowerment of Micro, Small, and Medium Enterprises (MSMEs) in the digital economy era. The rapid development of financial technology (fintech) has transformed Islamic social finance, including cash waqf, making it more transparent, efficient, and accessible. However, several challenges remain, such as low public literacy, limited regulations, and a lack of trust in digital platforms. This study uses a quantitative approach with a descriptive-verificative method, drawing on data collected through questionnaires distributed to MSME actors and the public familiar with digital waqf. The findings indicate that digitalizing cash waqf through crowdfunding platforms improves access to financing, enhances business capacity, and strengthens MSME sustainability. In addition, factors such as transparency, accessibility, efficiency, and trust play an important role in increasing the effectiveness of digital waqf management. Therefore, digital cash waqf through crowdfunding platforms can serve as an effective, inclusive, and sustainable Islamic social finance instrument in empowering MSMEs in the digital economy era, although improvements in literacy, regulation, and managerial professionalism are still needed.
ISLAMIC BUSINESS ETHICS IN SHARIA-COMPLIANT BUY NOW PAY LATER PRACTICES: THE CHALLENGE OF CONSUMERISM AMONG UNIVERSITY STUDENTS Sandi Andika; Febri Helpina; Rahma Safira; Putri Agustina
MBISKU: Jurnal Manajemen Bisnis dan Keuangan Vol. 3 No. 2 (2026): MBisKu, July 2026
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/mbisku.v3i2.1594

Abstract

The rapid expansion of digital financial technology has popularized Sharia-compliant Buy Now Pay Later (BNPL) services among university students, driven by accessibility and flexible payment schemes. This study investigates the implementation of Sharia BNPL practices among students at the State Islamic Institute of Datuk Laksemana Bengkalis, evaluating the resulting consumptive behavior through the lens of Islamic business ethics. Employing a descriptive qualitative methodology, data were gathered from 40 purposively sampled informants via in-depth interviews, observations, and documentation. The analysis, conducted using the interactive model of Miles, Huberman, and Saldaña, reveals that transactional convenience, lifestyle trends, and social pressures primarily motivate BNPL usage. Crucially, the study finds that limited Islamic financial literacy fosters impulsive purchasing and excessive consumption (israf), shifting student focus from fundamental needs to fleeting wants. Furthermore, the application of core Islamic business ethics shiddiq (truthfulness), tabligh (transparency), 'adl (justice), and amanah (responsibility) remains suboptimal within these digital transactions. The study concludes that addressing this digital consumerism requires synergistic efforts to enhance Sharia financial literacy and internalize values such as qana'ah (contentment)  to promote rational, ethically aligned financial behavior.
Co-Authors Febri Helpina Jeny Farhana Nur Azizi Putri Agustina Putri Devi Jumartrianti Rahma Safira