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Analisis Kinerja Dalam Konsep Hukum Perbankan dan Perkreditan Ridha, Irfan; Saputra, Ilham Rahmat; Putri, Hernita; Fauzan, Khusnul; Ardiansyah, Jefri; Birawa, Julio Hafis Fakta; M, Mayarani
Madani: Jurnal Ilmiah Multidisiplin Vol 1, No 12 (2024): Madani, Vol. 1 No. 12 2024
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10472417

The function of the Bank is as a financial mediator that bridges between fund owners and people who need funds, both as depositors of funds and borrowers of funds. In the relationship between banks and customers, bank actions often occur which are detrimental to their customers, but so far legal protection is often not optimal, because in the relationship between banks and customers, it is seen that banks dominate banking transactions so that sometimes it is detrimental to customers. Based on the above facts, Law Number 21 of 2011 concerning the Financial Services Authority (UU OJK) has been promulgated. As a bank supervisory institution and as an institution that protects customer interests.

Implementation Of Islamic Monetary Policy In Indonesia's Economic System For The 2020-2024 Period Ardiansyah, Jefri; Rahmawati, Lilik; Hasan, Hasan
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15168

This study examines the implementation, potential, and challenges of Islamic monetary policy in Indonesia in supporting inclusive and sustainable economic growth. Despite Indonesia's status as the world's largest Muslim-majority country and its significant market potential for Islamic financial products, there are considerable gaps in the implementation of Islamic monetary policy. These gaps include low financial literacy, regulatory frameworks that are not yet fully supportive, and infrastructure limitations. The purpose of this research is to evaluate the implementation of Islamic monetary policy, analyze the challenges it faces, and provide strategic recommendations to enhance its effectiveness. The research methodology involves the analysis of secondary data from government reports and related institutions, as well as a literature review on Islamic monetary policy and best practices in other countries. The results of the study indicate that during the pandemic, instruments such as sukuk, IMA Certificates,

RISK MANAGEMENT IN SHARIA FINANCIAL TECHNOLOGY: Case Study of Peer to peer Lending Financing Model at PT Qazwa Mitra Hasanah Ardiansyah, Jefri; Mustofa, Mustofa
Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Vol 10, No 2 (2024): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v10i2.16895

This study aims to analyze risk management in Sharia-based Peer-to-Peer (P2P) lending, with a case study on PT Qazwa Mitra Hasanah. Sharia fintech has grown rapidly as an alternative financing source, particularly for MSMEs, which often face challenges in accessing traditional financial institutions. However, like conventional fintech, Sharia fintech also faces various risks from both the lender and borrower sides. Therefore, it is essential to understand how this business model manages risks in alignment with Sharia principles. This study adopts a qualitative research method with descriptive analysis. Data were gathered from literature sources, such as ebooks, company publications, government reports, previous research data, and official sources like Qazwa.id. The study also includes a risk analysis covering operational, financial, and legal aspects. Findings indicate that PT Qazwa, in its Sharia-based P2P lending model, implements comprehensive risk management, including risk identification, mitigation of credit risk, operational risk, Sharia compliance, and liquidity management. Risk identification is carried out through strict e-KYC verification to secure the identities of both lenders and borrowers. Credit risk mitigation involves Sharia-compliant credit scoring, portfolio diversification, and financial management education for MSMEs, thus reducing the risk of default.

Implementation Of Islamic Monetary Policy In Indonesia's Economic System For The 2020-2024 Period Ardiansyah, Jefri; Rahmawati, Lilik; Hasan, Hasan
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15168

This study examines the implementation, potential, and challenges of Islamic monetary policy in Indonesia in supporting inclusive and sustainable economic growth. Despite Indonesia's status as the world's largest Muslim-majority country and its significant market potential for Islamic financial products, there are considerable gaps in the implementation of Islamic monetary policy. These gaps include low financial literacy, regulatory frameworks that are not yet fully supportive, and infrastructure limitations. The purpose of this research is to evaluate the implementation of Islamic monetary policy, analyze the challenges it faces, and provide strategic recommendations to enhance its effectiveness. The research methodology involves the analysis of secondary data from government reports and related institutions, as well as a literature review on Islamic monetary policy and best practices in other countries. The results of the study indicate that during the pandemic, instruments such as sukuk, IMA Certificates,

Model Mitigasi Risiko Likuiditas pada Fintech Syariah P2P Lending : Liquidity Risk Mitigation Model in Fintech Sharia P2P Lending Ardiansyah, Jefri; Muhammad Yazid
LITERA: Jurnal Ilmiah Mutidisiplin Vol. 2 No. 3 (2025): LITERA: Jurnal Ilmiah Multidisiplin
Publisher : Litera Academica Publishing

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

The rapid growth of Sharia-based peer-to-peer (P2P) lending fintech in Indonesia is accompanied by major challenges, particularly liquidity risk that may disrupt platform stability. This study aims to identify the sources of liquidity risk in Islamic fintech and formulate a mitigation model aligned with Sharia principles. A qualitative approach with descriptive-analytical and case study methods was employed. Data were collected from literature review, official reports by the Financial Services Authority (OJK), and observation of practices in selected Islamic P2P platforms. The findings indicate that liquidity risks are primarily caused by borrower payment delays, maturity mismatch, panic withdrawals by lenders, and the limited availability of Sharia-compliant liquidity instruments. The proposed mitigation model includes the use of Sharia reserve funds based on tabarru’, automated payments via blockchain-based smart contracts, funding diversification through fintech sukuk, and early warning systems powered by AI. This study recommends that regulators issue specific guidelines on liquidity risk management in Islamic fintech and promote inter-institutional collaboration to ensure a resilient and sustainable Islamic financial ecosystem.

NON FUNGIBLE TOKEN (NFT) SEBAGAI INSTRUMEN WAKAF DIGITAL: PELUANG DAN TANTANGAN DALAM PENGELOLAAN ASET SYARIAH Ardiansyah, Jefri; Andriani Samsuri; Abu Yasid
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol. 2 No. 3 (2025): Juni : Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBER)
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/zkx88608

Waqf is an Islamic economic instrument with significant potential to promote community welfare, yet it continues to face challenges related to transparency, asset certification, and public engagement. The advancement of blockchain technology particularly the use of Non-Fungible Tokens (NFTs) presents an innovative opportunity for the digitalization of waqf, especially as a means of creating unique, transparent, and verifiable asset certifications. This study employs a qualitative approach through a literature review to analyze the potential and challenges of utilizing NFTs within the framework of sharia-compliant digital waqf. The findings indicate that NFTs hold great promise in enhancing efficiency, expanding public participation, and promoting digitally-driven productive waqf models. However, several critical issues remain, including legal uncertainty, the risk of gharar (ambiguity), value volatility, and the lack of supporting infrastructure and digital literacy. This study recommends strengthening regulatory frameworks, developing adaptive fiqh guidelines, and increasing public education to support the implementation of NFTs as a waqf instrument aligned with maqāṣid al-sharī‘ah and capable of delivering broad benefits to the Muslim community.

Impulsive Buying dalam Ekonomi: Studi Perilaku Doom Spending di Indonesia Perspektif Islam Ardiansyah, Jefri; Ahmad Mansur; Moh. Firdaus Faiz Al’Ula; Abdul Muaz Ali Amri
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 9 No. 1 (2025)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol9.i1/18603

The rapid development of banking The phenomenon of doom spending has become a trending issue among Indonesian youth. This behavior contradicts Islamic economic principles, such as wasatiyyah (moderation) and qana’ah (contentment), and has negative implications for financial stability and social well-being. This study employs a qualitative method with a phenomenological approach to understand the behavior of doom spending and its implications for Islamic financial management. The findings reveal that doom spending increases the risk of debt, reduces the allocation of wealth for zakat and charity, and undermines the blessings (barakah) of wealth. Contributing factors include emotional pressure from stress or anxiety, the influence of consumerist culture, and the role of social media in promoting materialistic lifestyles. Proposed solutions include enhancing Islamic financial literacy, leveraging financial technology, and strengthening spiritual awareness. These findings underscore the importance of wise wealth management in accordance with Islamic principles to achieve financial balance and a blessed life.

PENGARUH TENAGA KERJA DAN INVESTASI TERHADAP KEMISKINAN DENGAN TINGKAT PENGANGGURAN SEBAGAI VARIABEL INTERVENING DI PROVINSI JAWA TENGAH TAHUN 2022-2024 Ardiansyah, Jefri
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 01 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i01.435

Kemiskinan masih menjadi isu utama di Provinsi Jawa Tengah, meskipun berbagai upaya telah dilakukan, termasuk peningkatan partisipasi angkatan kerja dan arus investasi. Namun, kenyataan menunjukkan bahwa peningkatan tenaga kerja dan investasi tidak selalu linear terhadap penurunan kemiskinan. Penelitian ini bertujuan untuk menganalisis pengaruh tenaga kerja dan investasi terhadap kemiskinan dengan tingkat pengangguran sebagai variabel intervening selama tahun 2022-2024. Metode yang digunakan adalah pendekatan kuantitatif dengan teknik analisis jalur (path analysis) melalui data panel dari 35 kabupaten dan kota di Jawa Tengah. Pemilihan model regresi terbaik dilakukan melalui uji Chow, Hausman, dan Lagrange Multiplier, dan pengolahan data dilakukan menggunakan EViews 10. Hasil penelitian menunjukkan bahwa tenaga kerja berpengaruh positif signifikan terhadap pengangguran, dan pengangguran berpengaruh positif signifikan terhadap kemiskinan. Sebaliknya, investasi menunjukkan pengaruh negatif signifikan terhadap pengangguran dan kemiskinan. Melalui pengangguran, tenaga kerja memiliki pengaruh tidak langsung yang positif terhadap kemiskinan, sedangkan investasi memiliki pengaruh tidak langsung yang negatif. Temuan ini menguatkan teori dualisme ekonomi Arthur Lewis dan teori Harrod-Domar, serta mengindikasikan bahwa ketidakseimbangan antara jumlah tenaga kerja dan penyerapan kerja memperburuk kemiskinan, sementara investasi mampu mendorong pertumbuhan inklusif. Penelitian ini merekomendasikan kebijakan pemerataan investasi dan penguatan kualitas tenaga kerja agar program pengentasan kemiskinan lebih efektif dan tepat sasaran.

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