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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’.

Meningkatkan Kepedulian dan Memaksimalkan Transaksi Uang Koin pada Anak Usia Dini di TK Tunas Insan Kamil kota Serang Marfu’ah, Siti; Aguspriyani, Yani; Saraswati, Henny; Ibrahim, Zaini; Hillalliyati, Najmi; Aini, Asti; Raya, Fitri
AKM Vol 5 No 2 (2025): AKM : Aksi Kepada Masyarakat Jurnal Pengabdian Kepada Masyarakat - Januari 2025
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/akm.v5i2.1309

Di tengah maraknya transaksi digital dan penggunaan mata uang virtual, keberadaan uang koin fisik masih memegang peranan penting, terutama dalam konteks inklusi keuangan dan edukasi literasi keuangan sejak usia dini. Uang koin, meskipun sering dianggap kurang praktis, memiliki nilai edukatif yang sangat penting dalam mengenalkan konsep dasar keuangan kepada anak-anak. Uang koin dapat membantu anak-anak memahami nilai uang, pentingnya menabung, dan cara melakukan transaksi sederhana. Penggunaan uang koin dalam aktivitas sehari-hari anak-anak, seperti bermain jual-beli dengan teman-teman, dapat menumbuhkan pemahaman tentang konsep ekonomi dasar dan membantu mereka mengembangkan keterampilan finansial yang akan berguna di masa depan. Penelitian ini bertujuan untuk Membangun Kesadaran Finansial dan Pembiasaan Transaksi Uang Koin pada anak- anak usia dini. Dan dari Penelitian ini menunjukkan bahwa penggunaan uang koin meningkatkan literasi finansial anak usia dini di TK Tunas Insan Kamil kota serang, dengan metode percakapan, tugas, dan observasi.

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.

The Role of Inflation and Interest Rates in Influencing the Performance of Sharia Stocks Akmal, Denara; Aini, Asti; Evania, Khalisa Erlinda; Aguspriyani, Yani; Juheti, Juheti
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 2 (2024): November 2024
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i2.6233

This study aims to investigate the role of inflation and interest rates in influencing the performance of Sharia-leading stocks, especially those included in the Jakarta Islamic Index (JII). Globally, Indonesia has become the seventh leading center of sharia finance. Global challenges and fluctuating domestic economic conditions have suppressed the performance of sharia stocks since 2023. Sharia stocks' unique characteristics distinguish them from conventional capital markets, creating a research gap in understanding the factors influencing them. This study used a quantitative approach and the data was taken from the period January 2020 to July 2024. The result of the t-test found that the t-count value is -0.229, which is greater than the t-table (-0.229 <1.674). A negative value indicates that inflation has a negative effect in the opposite direction to the performance of sharia stocks. Likewise, the interest rates are known that the t-count value of -0.841 is smaller than the t-table (1.674) or it can be stated that -0.81 < 1.674. That means in this context there is no statistically significant effect of the interest rate variable on the performance of Islamic stocks in the JII. The results of simultaneous testing showed that the F-count is 0.535, smaller than the F-table value of 3.47 which means inflation and interest rates did not significantly influence the performance of Sharia stocks. These findings are interesting considering that both variables are usually considered the main factors influencing the stock market in general. This indicates that sharia stocks in Jakarta Islamic Index (JII) have their own mechanism for dealing with macroeconomic changes, so their movement is not entirely dependent on fluctuations in inflation and interest rates.

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.

Sosialisasi Pendidikan Dalam Merancang Fondasi Cita-Cita Anak di Kelurahan Umbul Tengah Wahab Nugraha, Ali; Surantaka, Khaerunnisa; Dino Nestiani, Muhammad; Nurfadilah, Salma; Aguspriyani, Yani
ABDIMASKU : JURNAL PENGABDIAN MASYARAKAT Vol 8, No 3 (2025): Vol 8, No 3 (2025): SEPTEMBER 2025
Publisher : LPPM UNIVERSITAS DIAN NUSWANTORO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62411/ja.v8i3.3122

Program sosialisasi Pendidikan yang dilakukan di Kelurahan Umbul Tengah berangkat dari kondisi anak-anak yang masih memiliki motivasi belajar rendah dan hanya mengenal profesi sebatas yang mereka lihat di sekitar, seperti guru, petani, dan pedagang. Melalui kegiatan KUKERTA 66, mahasiswa hadir memberikan pendampingan belajar, pengenalan berbagai profesi, serta literasi digital yang dekat dengan kehidupan anak-anak. Metode yang digunakan adalah pendekatan kualitatif dengan observasi, wawancara, dan dokumentasi langsung di lapangan. Hasil kegiatan menunjukkan adanya perubahan positif: anak-anak menjadi lebih bersemangat, berani bercita-cita, dan menyadari pentingnya pendidikan untuk meraih masa depan. Orang tua pun mulai lebih memahami peran mereka dalam mendukung anak. Dengan demikian, sosialisasi ini bukan hanya memberi dampak jangka pendek, tetapi juga membuka jalan bagi lahirnya generasi muda di Umbul Tengah yang lebih percaya diri, adaptif, dan visioner.

ANALISIS SISTEM PENGENDALIAN INTERNAL KAS PADA BANK : Studi Kasus pada Bank Tabungan Negara (BTN) Kota Serang Azhari, Ratu Syahna; Fadilah, Jamilatul; Aguspriyani, Yani
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 1 No. 5 (2023): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v1i5.605

Cash represents a valuable asset crucial for the seamless functioning of banking operations. Conversely, the effectiveness of internal control systems significantly influences the operational management of banking activities, particularly in handling cash. A breakdown in the internal control system could disrupt banking activities and adversely impact overall banking performance. This study aims to investigate the Controlling Internal System within the Indonesian banking sector, with a focus on the Tabungan Negara Bank (BTN).

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