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Implementasi Fintech Syariah di PT. Investree Ditinjau Berdasarkan Fatwa DSN-MUI No : 117/DSN-MUI/II/2018 tentang Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah Darmawansyah, Trisna Taufik; Aguspriyani, Yani
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 2 (2019)
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Fintech di dunia digital diawali dengan kemajuan teknologi di bidang keuangan. Di Indonesia, perusahaan yang memanfaatkan fintech baru muncul beberapa tahun belakangan. Fintech mulai muncul pada bulan September tahun 2015 yang tergabung dalam Asosiasi Fintech Indonesia (AFI) yang bertujuan untuk menyelenggarakan partner bisnis dan membangun ekosistem fintech di Indonesia. Dalam waktu singkat tahun 2006-2007 mengalami perkembangan dari 7%-78%. Salah satunya yang ikut berkecimpung dalam dunia bisnis fintech adalah PT. Investree. Terkait perkembangan tersebut dapat di indikasi dalam penerapan implementasi fintech di Indonesia. Berdasarkan latar belakang, maka analisa permasalahan dirumuskan dalam bentuk pertanyaan berikut : Pertama, bagaimana konsep Fatwa DSN-MUI No: 117/DSN-MUI/II/2018 Tentang Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah. Kedua, bagaimana implementasi produk Peer to peer lending (P2PL) di PT. Investree. Dan Ketiga, bagaimana tinjauan Fatwa DSN-MUI No: 117/DSN-MUI/II/2018 Tentang Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah terhadap P2PL di PT. Investree. Investree adalah sebuah perusahaanÂ fintech, yang menyediakan layanan perantara untuk proses peer to peer lending. Investree tidak turun langsung dalam aktivitas pinjam meminjam. Tetapi hanya menyediakan platform untuk memfasilitasi prosesnya, administrasi akun borrower dan lender. Investree melakukan inovasi dengan mengeluarkan produk berbasis syariah yang dikeluarkan sejak akhir tahun 2017. Beberapa produknya yaitu pembiayaan usaha syariah atau invoicefinancing syariah dan pembiayaan modal kerja (online sellerfinancing sharia). Produk invoicefinancing ini sudah sesuai dengan Fatwa DSN-MUI No.117/DSN-MUI/II/2018 karena produk invoicefinancing ini sama dengan anjak piutang/factoring. Produk Pemberian Modal Kerja juga sudah sesuai dengan Fatwa DSN-MUI No.117/DSN-MUI/II/2018.

Benefit and harm of cryptocurrency as the official currency of a state Darmawansyah, Trisna Taufik; Polindi, Miko; Fitriani, Putri Diesy; Aguspriyani, Yani; Setiadi, Rezky Mehta; Sanawi, Sanawi
Journal of Enterprise and Development (JED) Vol. 5 No. Special-Issue-1 (2023): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

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

Purpose — The paper highlights two different opinions among scholars regarding the permissibility of cryptocurrency and explores the factors that contribute to these opinions. Additionally, the article discusses the potential risks associated with cryptocurrency, such as the lack of intrinsic value and the potential for use in illegal activities. Overall, the article seeks to provide insights into the Shariah perspective on cryptocurrency and its potential impact on the financial industry.Method — In conducting a SWOT (strengths, weaknesses, opportunities, and threats) analysis on cryptocurrency, the author gathered data from previous studies, literature in English, Indonesian, and Arabic. Then, the data collected through the SWOT analysis was analyzed using the principles of mashlahah and mafsadah and the principles of maqasid al-shariah. The appropriate method for analyzing data in this study is secondary data analysis.Result — Cryptocurrency is an innovation that has never happened before, especially in the financial world. Cryptocurrency brings many benefits but also brings losses, as evidenced by the weakness of the system and external activities. Based on the SWOT analysis, it appears that the losses or mafsadah tend to be more than the mashlahah, meaning that problems and conflicts will arise if cryptocurrency is used as the official currency of a country.Contribution — The paper makes an important academic contribution by using the Islamic concept of Maqashid al-Sharia, specifically the analysis of mashlahah (benefits) and mafsadah (harms), to evaluate the potential use of cryptocurrencies as national currencies.

Pengaruh Pendapatan Premi dan Hasil Investasi terhadap Underwriting Dana Tabarru’ pada PT. Asuransi Jiwa Bringin Jiwa Sejahtera Darmawansyah, Trisna Taufik; Aguspriyani, Yani
KUBIK Vol 3, No 2 (2018): KUBIK : Jurnal Publikasi Ilmiah Matematika
Publisher : Jurusan Matematika, Fakultas Sains dan Teknologi, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/kubik.v3i2.4115

Penelitian ini bertujuan untuk mencari pengaruh variabel bebas yaitu Pendapatan Premi (X1) dan Hasil Investasi (X2) terhadap variabel terikat yaitu Underwriting Dana Tabarru’ (Y). Pendekatan yang digunakan dalam penelitian ini adalah pendekatan kuantitatif yang menganalisis data dengan alat statistik dalam bentuk angka-angka pada PT Asuransi Jiwa Bringin Jiwa Sejahtera dengan sumber datanya adalah data sekunder yang diperoleh dan dan web Resmi PT Asuransi Jiwa Bringin Jiwa Sejahtera (www.bringinlife.co.id), web resmi Otoritas jasa keuangan (www.ojk.go.id). Hasil penelitian menunjukkan bahwa : Pendapatan Premi terbukti berpengaruh secara signifikan terhadap Underwriting dana Tabaru’. Hasil Investasi terbukti berpengaruh terhadap Underwriting dana Tabaru’ namun tidak begitu signifikan. secara simultan Pendapatan Premi dan Hasil Investasi terbukti berpengaruh secara signifikan terhadap Underwriting dana Tabaru’.

Bibliometric Mapping of Green Economy in Development Darmawansyah, Trisna Taufik; Aguspriyan, Yani; Masykuroh, Nihayatul; Sudirja, Dede; Setiadi, Rezki Metha; Surahman, Surahman; Aini, Asti
Journal of Education on Social Science (JESS) Vol 8 No 02 (2024): Agustus 2024
Publisher : Faculty of Social Science, Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jess.v8i02.565

This research presents a bibliometric analysis of the term "Green Economy on Development" in journals indexed by Scopus, using the VOSviewer and Biblioshiny tools. The main objective is to map research trends, identify keywords, collaborate between researchers, and geographically distribute publications related to the green economy in the development context. The methodology includes data collection from the Scopus database, bibliometric network analysis, and visualization with VOSviewer to assess inter-keyword relationships and collaboration patterns. Additionally, Biblioshiny is used for statistical and temporal analysis of publication trends. Search results found 5282 articles related to green economics. The article "Green innovation and organizational performance: The influence of big data and the moderating roles of management commitment and HR practices " is the most cited, with 648 citations since its publication in 2019. The results show that research on the green economy has increased significantly recently, focusing on sustainability, renewable energy and environmental policy. Collaboration analysis shows a robust international network between institutions and researchers. This study provides valuable insights for researchers and policymakers regarding the Development and directions of green economy research and highlights the importance of global cooperation in achieving sustainable development goals.

Cryptocurrency Analysis as an Investment Asset for Wiser Investment Decisions Darmawansyah, Trisna Taufik; Aguspriyani, Yani; Raya, Fitri; Polindi, Miko
Jurnal Edukasi (Ekonomi, Pendidikan dan Akuntansi) Vol 12, No 2 (2024): November
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/je.v12i2.14497

Business in the world of Cryptocurrency can be done in various ways, starting from coin mining (crypto mining), physical trading of crypto assets, long-term investment, crypto trading, crypto business consulting services, and so on. Because of the many business opportunities in the crypto world, the author needs to choose a crypto business that meets the criteria for a safe investment. The problem of this research is to identify and analyze factors that influence cryptocurrency investments' security and profit potential through a weighted SWOT approach. This research aims to analyze the use of weighting in a SWOT analysis of Cryptocurrency as an investment asset. The research method used is a qualitative descriptive method. This research was carried out by theoretically studying Cryptocurrency's development through documents and the cryptocurrency market. Researchers explore information obtained from expert sources through interviews. The research results show that Cryptocurrency as an investment asset has the advantage of high return potential, with a weight of 5, making it an attractive choice for investors. However, the lack of regulatory oversight and limited market liquidity are significant weaknesses, with weights of 4 and 3, respectively. The novelty of this study lies in the weighting approach in SWOT analysis, which provides a quantitative assessment of the factors influencing cryptocurrency investment. In addition, this research reveals that cryptocurrency investment from a global business perspective has yet to be widely implemented in Indonesia.

Optimalkan Brand Equity Bank Syariah dengan Social Media Marketing Activities dan Word of Mouth Aguspriyani, Yani; Darmawansyah, Trisna Taufik
Jurnal Edukasi (Ekonomi, Pendidikan dan Akuntansi) Vol 13, No 1 (2025): Juni
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/je.v13i1.18915

This study analyzes the impact of Social Media Marketing Activities (SMMA) on Brand Equity in Islamic banking with Word of Mouth (WOM) as a mediating variable. In the Islamic banking sector, SMMA plays an important role in building consumer image and trust. The study uses a quantitative approach with a survey of respondents who are users of Islamic banking services exposed to social media activities. Data analysis was conducted using linear regression models, path analysis, and Sobel tests to assess the direct and indirect impact of SMMA on Brand Equity through WOM as mediation. The results show that SMMA has a positive and significant impact on WOM, which in turn enhances Brand Equity. However, WOM does not fully mediate the relationship between SMMA and Brand Equity. Simultaneously, SMMA and WOM contribute 67.6% to Brand Equity, with the remaining percentage influenced by other variables not examined. The findings indicate that effective social media marketing strategies, supported by positive WOM, can strengthen the Brand Equity of Islamic banking. This research is expected to provide insights for Islamic banking managers to optimize social media in building consumer loyalty and positive perception.

Benefit and harm of cryptocurrency as the official currency of a state Darmawansyah, Trisna Taufik; Polindi, Miko; Fitriani, Putri Diesy; Aguspriyani, Yani; Setiadi, Rezky Mehta; Sanawi, Sanawi
Journal of Enterprise and Development (JED) Vol. 5 No. Special-Issue-1 (2023): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

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

Purpose — The paper highlights two different opinions among scholars regarding the permissibility of cryptocurrency and explores the factors that contribute to these opinions. Additionally, the article discusses the potential risks associated with cryptocurrency, such as the lack of intrinsic value and the potential for use in illegal activities. Overall, the article seeks to provide insights into the Shariah perspective on cryptocurrency and its potential impact on the financial industry.Method — In conducting a SWOT (strengths, weaknesses, opportunities, and threats) analysis on cryptocurrency, the author gathered data from previous studies, literature in English, Indonesian, and Arabic. Then, the data collected through the SWOT analysis was analyzed using the principles of mashlahah and mafsadah and the principles of maqasid al-shariah. The appropriate method for analyzing data in this study is secondary data analysis.Result — Cryptocurrency is an innovation that has never happened before, especially in the financial world. Cryptocurrency brings many benefits but also brings losses, as evidenced by the weakness of the system and external activities. Based on the SWOT analysis, it appears that the losses or mafsadah tend to be more than the mashlahah, meaning that problems and conflicts will arise if cryptocurrency is used as the official currency of a country.Contribution — The paper makes an important academic contribution by using the Islamic concept of Maqashid al-Sharia, specifically the analysis of mashlahah (benefits) and mafsadah (harms), to evaluate the potential use of cryptocurrencies as national currencies.

Analisis Perkembangan Financial Technology Peer To Peer (P2P) Lending Syari’ah Di Indonesia Dalam Perspektif Maqasid Syari’ah Polindi, Miko; Darmawansyah, Trisna Taufik; Yanti, Elsa April
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i2.3912

Peer to Peer (P2P) sharia lending is a type of fintech used by sharia fintechs that utilize technology services. This research aims to analyze the development of fintech peer to peer lending sharia using the maqashid sharia approach. The method used in this research is a qualitative method with a qualitative descriptive approach, through three stages, namely orientation, exploration and focused literature study. The results of this research show that there are seven types of sharia peer to peer lending registered at the OJK, and of the seven P2P lending fintech, the mechanism used is by the MUI DSN Fatwa No: 117/DSN-MUI/II /2018 regarding information technology-based financing services based on sharia principles, this shows that fintech P2P Sharia Lending in Indonesia has fulfilled the maqasid of sharia and has clear legal protection. However, what is needed now is efforts to increase literacy about P2P Sharia Lending in the community.

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