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All Journal Jurnal Informatika dan Teknik Elektro Terapan Scientific Journal of Informatics Jurnal Ilmiah Ekonomi Islam Maker: Jurnal Manajemen Jurnal Kesehatan Poltekkes Kemenkes RI Pangkalpinang Jurnal Ilmiah Edunomika (JIE) Jurasik (Jurnal Riset Sistem Informasi dan Teknik Informatika) Journal of Renewable Energy, Electrical, and Computer Engineering Balanca : Jurnal Ekonomi dan Bisnis Islam Indonesian Journal of Early Childhood : Jurnal Dunia Anak Usia Dini Margin : Journal of Islamic Banking Parewa Saraq: Journal of Islamic Law and Fatwa Review
Hidayati, Ulfa
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Religion Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Health Professions Medicine & Pharmacology Nursing Public Health Social Sciences

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Korelasi Kebijakan Pemerintah, Kesadaran Halal dan Kompensasi Terhadap Kompetensi Pendamping Produk Halal : Pengembangan Sumber Daya Manusia Sebagai Variabel Intervening Hidayati, Ulfa; Muthiadin, Cut; Thaha, Aminah Hajah; Fachrurrazy, Muhammad
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 01 (2025): JIEI : Vol.11, No. 01, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

Indonesia is intensifying the acceleration of halal certification in Indonesia to realize Indonesia as the Number 1 Halal Food and Beverage Producer in the world, and this hope is targeted to be carried out in 2024. Through this acceleration program, it directly has a positive implication in accelerating the inclusion of strengthening halal literacy in society. This study examines the Correlation of Government Policy, Halal Awareness and Compensation on Halal Product Companion Competence: Human Resource Development as an Intervening Variable. The research method uses Quantitative Descriptive, with 50 respondents. The results of the study indicate that Government Policy has a negative and insignificant effect on P3H Competence, Halal Awareness has a negative or indirect and insignificant effect on P3H Competence. Compensation has a positive or indirect but insignificant effect on P3H Competence. Government Policy has a positive or indirect but insignificant effect on P3H Human Resource Development. Halal Awareness has a positive or indirect and significant effect on P3H Human Resource Development. Compensation has a positive or indirect and significant effect on P3H Human Resource Development. Human resource development has a positive or unidirectional and significant effect on P3H Competence. The indirect effect of Government Policy through Human Resource Development on P3H Competence is positive but not significant. The indirect effect of Halal Awareness through Human Resource Development on P3H Competence is positive but not significant. The indirect effect of Compensation through Human Resource Development on P3H Competence is positive but not significant.
Re-evaluating Islamic Banking Fatwas in Indonesia: Governance, Legal Certainty, and Global Harmonization in Contemporary Sharia Finance Amiruddin, Muhammad Majdy; Hidayati, Ulfa; Rasyid, Nur Fitriani; Arwin; Faradiba, Besse
Parewa Saraq: Journal of Islamic Law and Fatwa Review Vol. 5 No. 1 (2026): Parewa Saraq: Journal of Islamic Law and Fatwa Review
Publisher : MUI Sulawesi Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64016/parewasaraq.v5i1.75

Abstract

The rapid expansion of Islamic finance has intensified scrutiny of how religious authority is institutionalized within modern regulatory systems, particularly in Indonesia where fatwas issued by the Dewan Syariah Nasional – Majelis Ulama Indonesia (National Sharia Board - Indonesian Council of Ulama) become binding only after incorporation into regulations issued by the Otoritas Jasa Keuangan (OJK) or Financial Services Authority. This study aims to re-evaluate Indonesia’s Islamic banking fatwa framework by examining its institutional translation mechanisms, degree of alignment with international standards issued by the Accounting and Auditing Organization for Islamic Financial Institutions and the Islamic Financial Services Board, and its impact on substantive maqasid realization. Using a qualitative institutional-regulatory design, the research analyzes 42 DSN-MUI fatwas, 27 OJK regulations, 18 AAOIFI standards, 12 IFSB standards, and Islamic banking portfolio data from 2015 to 2024. The findings indicate that Indonesia’s hybrid model ensures procedural legal certainty and structured fatwa-to-regulation incorporation but exhibits only partial global harmonization and a persistent dominance of debt-based contracts, reflecting a gap between formal compliance and outcome-based governance. Theoretically, the study introduces the concept of regulatory theology to explain how religious interpretation becomes embedded within the regulatory state, extending norm diffusion theory by incorporating epistemic sovereignty as a mediating variable. Practically, the research recommends stronger institutional independence, clearer codification, measurable maqasid performance indicators, and phased harmonization strategies. The originality of this study lies in reframing Islamic banking fatwa analysis from doctrinal validity toward governance-centered institutional performance grounded in empirical regulatory and portfolio evidence
THE RELEVANCE OF THE UNIVERSITY CURRICULUM IN OVERCOMING SKILL MISMATCH IN THE ISLAMIC BANKING SECTOR Hidayati, Ulfa; Muhammadun, Muzdalifah; Madir, Muhammad; Alya, Nur; Sakina, Ashara
MARGIN: Journal of Islamic Banking Vol 6 No 1 (2026): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/pfy6c523

Abstract

Islamic banking in Indonesia continues to grow rapidly in line with increasing public awareness of the importance of a financial system that complies with sharia principles. (Irhamni et al., 2023) This is supported by data from the Financial Services Authority (OJK), which notes that Islamic banking assets have shown significant growth in Indonesia in recent years. According to the OJK report, total assets of Islamic commercial banks increased from IDR 254,184 billion in 2016 to IDR 586,055 billion in 2024, indicating an average annual growth of around 10% or more, as seen in Graph 1. However, this industry growth presents new challenges, particularly in terms of providing competent human resources (HR) relevant to industry needs. The rapid growth of the Islamic banking sector in Indonesia not only reflects growing public awareness of Islamic financial principles but also demonstrates a significant opportunity for higher education institutions to play an active role in developing competent human resources aligned with industry needs. However, amidst this rapid growth, a serious challenge arises in the form of a mismatch between the competencies of university graduates and the actual needs of the Islamic banking sector, known as a skills mismatch. According to the 2023 Islamic Finance Development Indicator (IFDI) report, Indonesia ranks first in global Islamic financial development, with significant contributions from the Islamic banking sector. However, the main challenge facing this industry is the lack of professional workers with specific competencies in modern Islamic finance and banking (IFDI, 2023). A similar sentiment was echoed by the Financial Services Authority (OJK, 2024), which highlighted that the growth of assets and expansion of Islamic financial institutions is not matched by the availability of human resources with technical expertise, regulatory understanding, and strong Islamic ethical values. This skills mismatch phenomenon demonstrates the gap between education and industry (World Bank, 2022). While many universities have opened Islamic economics or banking study programs, the curriculum often remains theoretical and does not fully reflect the needs of the dynamic Islamic finance industry. Several previous studies, such as those conducted by (Putri, 2019) shows that around 60% of Islamic economics graduates do not yet have the competencies that meet the work standards in Islamic financial institutions, especially in the aspects of financial technology (fintech), digital literacy, Islamic risk management, and Islamic banking product innovation. Skills mismatch not only harms graduates but also the industry, as it increases training and development costs. This research is crucial to identify the extent to which current university curricula are relevant to the needs of the Islamic banking sector and to provide concrete recommendations to reduce this gap. By improving curriculum relevance, universities can enhance graduate competitiveness and support the sustainable growth of the Islamic banking sector. Skills mismatch in Indonesia is a significant issue in the labor market, characterized by a mismatch between the skills of the workforce and industry needs. Data shows that in 2015, vertical mismatch reached 53.33%, while horizontal mismatch reached 60.52%. (Hasibuan, 2019) Another 2019 study indicated that 27.9% of the workforce is overeducated, and 68.4% experience a field of study mismatch. Therefore, addressing the skills mismatch requires collaboration between the government, educational institutions, and industry to align curricula with job market needs and provide relevant training for the workforce. (Dianita Pramesti et al., n.d.) A study in the An Najah Journal highlights a significant gap between the competencies possessed by university graduates and current job market needs. This is evidenced by the high educated unemployment rate in Indonesia, which reached 2.09% in February 2023. (SINTA, 2023) The study examined the phenomena of overeducation and horizontal mismatch among employees in the Indonesian garment industry. The results showed that 67.61% of workers experienced educational mismatch, with 68% of them experiencing overeducation. In this context, research on the relevance of higher education curricula in addressing the skills mismatch in the Islamic banking sector is crucial and urgent. This research seeks to determine the extent to which higher education curricula prepare graduates to meet the demands of the contemporary Islamic finance industry, as well as how synergies between educational institutions, regulators, and industry can be strengthened. In addition, this research has strategic relevance to national policies, particularly the Independent Learning – Independent Campus (MBKM) program, which emphasizes the importance of collaboration between higher education and the workplace to create adaptive, creative, and competitive graduates. (Kemendikbud, 2024). Through this research, it is hoped that a collaborative curriculum model based on industry needs (industry-driven curriculum) can be found that is able to bridge the competency gap, strengthen the technical and non-technical skills of graduates, and support the realization of an inclusive and sustainable national sharia economic ecosystem. Thus, this research not only provides academic contributions in the development of curriculum relevance theory, but also provides practical benefits for the world of higher education, the Islamic banking industry, and policy makers in developing superior human resources that are globally competitive and based on Islamic values.  
Co-Authors Ainun, Wa Ode Nur Alya, Nur Amiruddin, Muhammad Majdy Arwin Auliawati, Faizah Rizki Cut Muthiadin Eko Hari Rachmawanto Fachrurrazy, Muhammad Granit Agustina Hardyan, Felix Windriyareksa hartanto hartanto Heru Agus Santoso Ida Ayu Putu Sri Widnyani Irawan Irawan Khaer, Nisaul Laifa Rahmawati, Laifa M.M, Besse Faradiba Madir, Muhammad Musran Munizu Muzdalifah Muhammadun, Muzdalifah Ni Made Nurtini Nursida Arif Putu Ayu Ratna Darmayanti Rafsanjani, Ali Akbar Ramadhan, Teguh Arief Rambe, Muhammad Taher Rasyid, Nur Fitriani Reza, Fanka Arie Rizqi, Nikmatur Sakina, Ashara Shrestha, Maria Emerita Indraningrum Siregar, Mario Mora