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All Journal Jurnal Paradigma Ekonomika Jurnal Ekonomi & Keuangan Islam MILRev: Metro Islamic Law Review
Nadratuzzaman Hosen, Muhamad
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Islamic micro-banking model with a target market of ultra-micro enterprises (case study of BTPN Syariah) Muhari, Syafaat; Nadratuzzaman Hosen, Muhamad; Djamaluddin Sanrego, Yulizar
Jurnal Paradigma Ekonomika Vol. 19 No. 2 (2024): Jurnal Paradigma Ekonomika
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Jambi

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Abstract

This research differs from previous research, in that this is focused upon analyzing the performance of the BPTN Syariah (compliant with Islamic banking rules) Bank, which is a commercial financial institution (bank) fully committed to financing the poor of society (ultra-micro enterprises), which comprise its market segment. This financing segment, in the category of ultra-micro and small enterprises, is considered to be one of high risk for a bank, The aim of this research was to evaluate to just what extent the performance of the BTPN Syariah was focused upon the financing of the ultra-micro enterprise segment of the poor of society. Based upon the analysis of the Risk Profile, of Good Corporate Governance, of Earnings, and of Capital (RGEC), it may be concluded that the BTPN Syariah had a much better rating than those of other Islamic banks, with a low level of risk and a high level of profitability. This different performance was brought about by the BTPN Syariah being supported by representatives/agents who empower and guide customers (customer service officers), which had an impact upon the creation of social capital. This showed that customers in the ultra-micro enterprise segment were of low risk when financed, and that the widening of financial access for the poor of society was needed.
Influence of Sharia compliance on MSMEs' intention to use Islamic crowdfunding in Indonesia Hendratmoko , Hendratmoko; Nadratuzzaman Hosen, Muhamad; Muafi, Muafi
Jurnal Ekonomi & Keuangan Islam Volume 10 No. 2, July 2024
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol10.iss2.art10

Abstract

Purpose – The primary objective of this research is to analyze the influence of Sharia Compliance on increasing the intention of Micro, Small, and Medium-sized Business Owners to use Islamic crowdfunding in Indonesia.Methodology – This research employed a mixed method, utilizing purposive sampling for data collection. This study targeted Micro, Small, and Medium Enterprises (MSME) owners in Jakarta in April 2021. Data were collected through the online distribution of questionnaires to 75 respondents and in-depth interviews were conducted with three informants. Subsequently, the data were processed using partial least squares analysis with SmartPLS software.Finding – The results of this research indicate that the variable of sharia compliance had a direct and significant influence on perception, whilst the variables of ease of use, knowledge and subjective norms had no influence on perception. Sharia compliance was a significant factor influencing intention. Meanwhile, ease of use, knowledge, subjective norms, and perception were not statistically significant in relation to intention. Perception cannot function as a mediating variable.Implication – The function and role of the Sharia Supervisory Board (SSB) in the business of Islamic crowdfunding is very important and strategic, so that ‘sharia compliance’ can truly be accomplished.Originality – The original contribution of this research lies in emphasizing that Sharia compliance truly needs to be integrated into the business process of Islamic crowdfunding.
Measuring Contemporary Islamic Banking Sustainability: Integrating ESG and Maqashid al-Syarī‘ah in Indonesia Edian Fahmy; Nadratuzzaman Hosen, Muhamad; Dewi Warninda, Titi; Rama, Ali; Aimar, Qeis
MILRev: Metro Islamic Law Review Vol. 5 No. 1 (2026): MilRev: Metro Islamic Law Review
Publisher : Faculty of Sharia, UIN Jurai Siwo Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/milrev.v5i1.12880

Abstract

The measurement of sustainability in Islamic banking in Indonesia remains largely dominated by conventional Environmental, Social, and Governance (ESG) frameworks, which tend to emphasize formal compliance and value-neutral indicators. Such approaches have not fully captured the ethical and normative dimensions embedded in Islamic finance. This study aims to formulate a comprehensive model for measuring the sustainability of contemporary Islamic banking by integrating ESG principles with Islamic value-based sustainability indices, namely the Islamic Corporate Sustainability Practices Index (ICSPI), Islamic Banking Sustainability Performance Index (IBSPI), and Maqāṣid Sharī‘ah Index (MSI). This research employs a mixed-methods approach. The Analytic Network Process (ANP) is utilized to identify and prioritize the most relevant sharia-based sustainability index based on stakeholder perspectives. Furthermore, Structural Equation Modeling–Partial Least Squares (SEM-PLS) is applied to examine the impact of ESG integration and Sharia sustainability models on the financial performance of Islamic banks, as proxied by Return on Assets (ROA) and Return on Equity (ROE). The findings reveal that integrating ESG with a maqāṣid al-sharī‘ah-based sustainability index provides a more holistic and substantive framework for assessing sustainability in Islamic banking. This integrated model not only enhances measurement accuracy but also aligns financial performance with ethical and social objectives rooted in Islamic principles. This study contributes to the advancement of contemporary Islamic economic law by offering a conceptual framework that bridges conventional sustainability metrics with Islamic normative values. Additionally, it provides practical implications for policymakers and industry practitioners in developing more robust, value-oriented sustainability standards within the Islamic banking sector.
Co-Authors Aimar, Qeis Ali Rama Dewi Warninda, Titi Edian Fahmy Hendratmoko , Hendratmoko Muafi Octoviyana Rahmah, Nur Syafaat Muhari Yulizar Djamaluddin Sanrego, Yulizar Djamaluddin