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All Journal Value Added : Majalah Ekonomi dan Bisnis IQTISHADIA Journal of Islamic Studies and Humanities Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen al-Afkar, Journal For Islamic Studies KEUDA : JURNAL KAJIAN EKONOMI DAN KEUANGAN DAERAH Journal of Indonesian Tourism, Hospitality and Recreation JESI (Jurnal Ekonomi Syariah Indonesia) Jurnal Public Policy International Journal of Zakat (IJAZ) Jurnal Al Azhar Indonesia Seri Ilmu Sosial Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Bertuah : Jurnal Syariah dan Ekonomi Islam AL-ARBAH: Journal of Islamic Finance and Banking Journal of Islamic Economics and Philanthropy Jurnal Ekonomi KIAT Journal of Islamic Economic and Business Research Al Dzahab Research in the Mathematical and Natural Sciences Ijtimā`iyya: Journal of Muslim Society Research Unisia Constitution Journal Sanskara Akuntansi dan Keuangan JIPM: Jurnal Indragiri Penelitian Multidisiplin Jurnal Multidisiplin West Science The Es Economics and Entrepreneurship Journal of Central Banking Law and Institutions Jurnal Adijaya Multidisiplin Sanskara Manajemen dan Bisnis Eastasouth Journal of Impactive Community Services Jurnal Pengabdian West Science West Science Journal Economic and Entrepreneurship Journal of Business and Political Economy: Biannual Review of The Indonesian Economy Review Journal Middle East and Islamic Studies Imara: Jurnal Riset Ekonomi Islam INASJIF Neraca Manajemen, Akuntansi, dan Ekonomi Constitution Journal West Science Islamic Studies Maklumat: Journal of Da'wah and Islamic Studies PRIMER: Jurnal Ilmiah Multidisiplin Al-Fadilah: Islamic Economics Journal Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Jurnal Kajian Ekonomi dan Perbankan Syariah IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Al-Risalah Jurnal Studi Agama dan Pemikiran Islam Ulil Albab
Zulfikar Hasan
Department Of Islamic Banking And Centre For Research And Community Service At STAIN Bengkalis Riau Indonesia
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Other

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Theoretical Analysis of the Effectiveness of the Sharia Financial System in Facing the Global Economic Crisis Trisna Eka Sari; Melisa; Seri Wahyuni; Zulfikar Hasan
Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Vol. 1 No. 2 (2024): Islamic Business and Financial Innovation
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/rihlah.v1i2.19

Abstract

This research theoretically examines the effectiveness of the Islamic financial system in dealing with the global economic crisis. This study discusses economic theory, principles, characteristics, influence, comparison, experience, innovation and challenges in the Islamic financial system. Through a qualitative approach by conducting theoretical analysis of literature related to the Islamic financial system and the global economic crisis. The results of this research show that the Islamic financial system has great potential to become an attractive option in facing global economic challenges. By strengthening the foundation of sharia principles, developing appropriate innovations, and overcoming existing challenges, the sharia financial system can continue to develop and make a significant contribution to global financial stability and inclusion. This research confirms that the Islamic financial system, with its basic principles such as the prohibition against usury and excessive speculation, as well as the emphasis on real asset-based transactions, offers a more stable and fair alternative compared to the conventional financial system. The profit sharing principle shows the ability to reduce systemic risk by distributing risk more fairly among the parties involved in financial transactions.
Sharia Economic Transformation in the Era of Industrial Revolution 4.0 Muhammad Irfan Syah; Koni Piranda; Muhammad Rizky Anes; Zulfikar Hasan
Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Vol. 1 No. 2 (2024): Islamic Business and Financial Innovation
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/rihlah.v1i2.20

Abstract

.  Industrial Revolution 4.0, marked by technological advances such as artificial intelligence (AI), Internet of Things (IoT), big data, and blockchain, has brought significant changes in various economic sectors, including the sharia economy. Sharia economics, which is based on Islamic principles such as justice, transparency and social responsibility, faces great challenges and opportunities in this digital era. The integration of technology in the sharia economy is important to ensure its relevance and sustainability. This research analyzes the impact of the Industrial Revolution 4.0 on the sharia economy, identifies the necessary transformations, and provides strategic recommendations to overcome existing challenges. The method used is qualitative with document analysis from various primary and secondary sources. The discussion includes the adoption of technology such as blockchain to increase transparency, the use of AI and big data for risk analysis, as well as the development of sharia digital financial products and services. The research results show that technology can increase operational efficiency and sharia financial inclusion, but challenges such as rigid regulations and a lack of technological literacy must be addressed. This research provides in-depth insight into the synergy between technology and sharia principles, and paves the way for sustainable and inclusive innovation in the sharia economy.
iB Dhuha Saving Product Analysis with Wadiah Contract at Bank Riau Kepri Bengkalis Branch Revita Sari; Nur Azlina; Mistari Br Harianja; Norpatiha Norpatiha; Khotimatul Anisa; Zulfikar Hasan
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 2 No. 5: April 2023
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v2i5.1491

Abstract

The goal of this study is to figure out how to make the first deposit of Hajj iB savings. Dhuha with the system for implementing a wadiah contract on iB hajj savings and a wadiah contract. Dhuha at the Bengkalis Branch of Bank Riau Kepri. The qualitative research method was used to examine the Hajj iB savings product. Dhuha at the Bengkalis Branch of Bank Riau Kepri. This kind of research is field research that uses methods like interviews and documentation to collect data; Customers of the iB Dhuha hajj savings product at the Bank Riau Kepri Bengkalis Branch served as the study's subjects. Initial deposit funds for potential iB Dhuha savings customers at the Bank Riau Kepri Bengkalis Branch were the subject of this study. The Bank Riau Kepri Bengkalis Branch is the population, the Bank Riau Kepri Bengkalis Branch's customer service is the sample, and a structured interview guideline is the measurement scale used in this study. Descriptive qualitative analysis was used in data analysis. The study's conclusions were as follows: in the initial deposit made by customers of iB Hajj savings. Dhuha customers make an initial deposit of at least Rp at the Bank Riau Kepri Bengkalis Branch. 50,000,000, and the customer is free to make additional deposits of a minimum of Rp depending on their ability. up to Rp. 20,000, - 25,000,000.
Development of Syariah Fintech: Challenges and Opportunities in the Digital Economy: Pengembangan Fintech Syariah: Tantangan dan Peluang dalam Ekonomi Digital Hasanah, Riska Ardila; Hasan, Zulfikar; Muhardi, Sona
Al Dzahab Vol. 6 No. 1 (2025): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v6i1.4938

Abstract

Purpose: This study aims to analyze the challenges and opportunities in the development of Sharia Fintech in the digital economy era. Design/methodology/approach: This study employs a library research approach. The researchers identify, evaluate, and analyze literature that discusses Islamic economics, digital technology, and the integration between the two. Findings: The development of Islamic economics in the digital era faces various complex challenges. One of the main challenges is the low level of digital literacy among the target market of Islamic economics. Many individuals and small and medium enterprises (SMEs) have not fully understood or adopted digital technology, which hinders the integration of Islamic economic services with digital platforms. Research implications: The Sharia Fintech industry needs to enhance education and services to make them more accessible to the public. The government also needs to strengthen regulations and infrastructure to support the growth of this sector. Additionally, society must improve digital literacy to fully utilize Sharia Fintech services. Therefore, collaboration between industry, government, and society is crucial in building an inclusive and sustainable Islamic financial ecosystem in the digital era.
Foreign Exchange Transactions in the Perspective of Islamic Economics Hasan, Zulfikar
The Es Economics and Entrepreneurship Vol. 1 No. 03 (2023): The Es Economics And Entrepreneurship (ESEE)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esee.v1i03.70

Abstract

Judging from its history, the currency has undergone many changes in meaning. Starting from its existence during the barter period to the modern era of money consisting of fiat money and demand deposits. At this time a new term has appeared virtual money. History records that money has developed its meaning, function and value of money. This change automatically has an impact on changes in the law that applies to it. This article uses a qualitative method with a literature study approach. The data presented in this article are sourced from statutory documents, journals, records, and books related to this research. The legal buying and selling of foreign exchange (forex) are permissible, with the following conditions; There is Ijab accompanied by Qabul (there is an agreement to give or receive). As stated in the MUI fatwa that foreign exchange transactions (al-Sharf) are only permitted if there is a need, for example as a precaution and not for speculation (chance) with conditions that have no legal basis.
Analysis of the Implementation of Zakat as a Fiscal Instrument in Supporting Islamic Economic Development in Indonesia Delia Desvianti; Mercy Gusriyani; Suci Hijriyati; Zulfikar Hasan
al-Afkar, Journal For Islamic Studies Vol. 8 No. 2 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i2.1402

Abstract

This study analyzes the implementation of zakat as a fiscal instrument in supporting Islamic economic development in Indonesia. Zakat, as one of the pillars of Islam, has great potential to contribute to economic development and social welfare. In the context of Indonesia, which has the largest Muslim population in the world, effective implementation of zakat can have a significant impact. This study uses a qualitative method with literature study, reviewing various sources including journals, books, research reports, and other relevant literature. The analysis was conducted using an interactive approach to understand the concept of zakat, its potential application as a fiscal instrument, as well as the challenges and opportunities faced. The results of the study indicate that zakat has an important role as a fiscal instrument that can support Islamic economic development in Indonesia. Zakat can function as a source of additional income for the state, help reduce economic and social disparities, and encourage community economic empowerment. However, there are challenges related to regulations, institutions, and lack of public awareness that need to be addressed. Nevertheless, this study identifies great opportunities in the implementation of zakat as a fiscal instrument, along with the enormous potential of zakat in Indonesia and increasing public awareness. By making efforts to overcome existing challenges, zakat can be optimized as an effective fiscal instrument in supporting inclusive and sustainable Islamic economic development in Indonesia.
Online Lending from an Islamic Business Perspective Hasan, Zulfikar; Muhardi, Sona; Astuti, Linda; Hamdani, Hamdani
Jurnal Al Azhar Indonesia Seri Ilmu Sosial Vol 4, No 1 (2023): Februari 2023
Publisher : Universitas Al Azhar Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36722/jaiss.v4i1.1836

Abstract

Pinjaman online sendiri merupakan jenis pinjaman yang dapat dicairkan dalam waktu yang relatif lebih cepat dibandingkan dengan pinjaman biasa. Penelitian ini bertujuan untuk mendeskripsikan dan menganalisis bagaimana pinjaman online menurut hukum Islam. Dalam Islam, pinjaman yang diperbolehkan mengikuti surah Al-Hadid ayat 11, yang merupakan salah satu dari beberapa dalil yang menjadi dasar pengaturan pinjam meminjam. Dalam hal ini, pinjaman online awalnya memiliki berbagai kontroversi. Kajian ini akan menjelaskan kaidah-kaidah pinjaman online dengan menggunakan perspektif Islam. Penelitian ini menggunakan metode studi literatur untuk mengumpulkan data dengan membaca dan mengkaji berbagai fenomena. Penelitian ini juga menggunakan analisis deskriptif dengan membaca fatwa dan pendapat para ulama. Hasil dari penelitian ini adalah pinjaman online tidak diperbolehkan mengikuti fatwa MUI (Majelis Ulama Indonesia) tahun 2021 dengan aturan tertentu dan berdasarkan peraturan dan fatwa ulama yang berlaku.Kata Kunci : Pinjaman, Bisnis, Online
INTEREST AND PROFIT SHARING INSTRUMENTS IN THE BANKING WORLD Hasan, Zulfikar; Susanto, Erik
Indonesian Scientific Journal of Islamic Finance Vol 2 No 2 (2024): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v2i2.8025

Abstract

This article attempts to examine the concept of interest instruments in conventional banking and profit-sharing instruments in Islamic banking and their implications for investment and financing for customers according to the perspective of the principle of justice in Islamic economics. This study uses the research library method, and the researcher analyzes relevant secondary data related to this discussion. Data was sourced from journals, books, and other reading materials. This study uses a phenomenological approach to describe the overall problem of the people who experience it directly, in this case, the bank and the customer. The results of the study show that interest instruments at conventional banks tend to be more unfair because the interest system at traditional banks does not see profit and loss from the business being run. Dangerous for the culprit. Meanwhile, profit-sharing instruments at Islamic banks are based on the profit and loss of the company run by the bank and customers, which are considered fairer. Even so, Islamic banks still have an expected bank rate of standard profit expectations for the bank's business to support sound financial performance.
Artificial Intelligence: Making crime easier in the world of finance? Hasan, Zulfikar; Marisna, Diska Sendi
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 6 No. 2 (2024)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2024.6.2.22187

Abstract

Purpose – This paper explores the dual role of artificial intelligence (AI) in the realm of finance, examining its potential to both enhance efficiency and exacerbate vulnerabilities to criminal activitiesMethod – The research methodology for this study focuses on exploring the relationship between artificial intelligence (AI) and its potential role in facilitating financial crimes. This section outlines the research design, data collection methods, data analysis techniques, and ethical considerationsResult – As AI technologies become increasingly integrated into financial systems, they offer unprecedented opportunities for streamlining operations, optimizing decision-making processes, and enhancing customer experiences. However, this digital transformation also presents new challenges, particularly in terms of security and fraud preventionImplication – By leveraging advanced algorithms and machine learning techniques, malicious actors may exploit AI-powered systems to perpetrate financial crimes with greater sophistication and scaleOriginality – This paper evaluates the implications of this evolving landscape, highlighting the need for robust regulatory frameworks, proactive risk management strategies, and ongoing collaboration between industry stakeholders and law enforcement agencies to mitigate the risks associated with AI-enabled financial crime
Analysis of Savings and Loan Practices of Women's Groups of National Madani Capital Mekar Syariah at the Bengkalis Branch Office in a Review of Islamic Economics Surohman, Irzan; Azlina, Nur; Indira, Nur; Listiawati, Irda; Rini, Disti Marta; Hasan, Zulfikar
West Science Journal Economic and Entrepreneurship Vol. 1 No. 05 (2023): West Science Journal Economic and Entrepreneurship
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsee.v1i02.69

Abstract

The purpose of this research is to find out how savings and loan practices are carried out at Civil National Capital. This type of research is field research conducted to explore data obtained from the location or research field. This research is classified as a qualitative research using a qualitative descriptive approach. The population in this study were members of national civil capital customers and the sampling technique was purposive sampling with certain criteria in selecting the sample to achieve the research objectives. The research was made up of 10 members of the Gg Kundur women's group. The results of the study show that with this loan the customer is greatly assisted in running his business.
Co-Authors Ade Rosita Afriyadi Ahmad Azam Sulaiman Ahmad Syukri Aiza Zulmairoh Amelia Ripal Angga Dasma Hendra Anugrah, Resti Arbaia Arbaia Arbaia, Arbaia Asta, Sephia Septiana Bobby Syuhada Bobby Syuhada Daniel Happy Putra Delia Desvianti Dinda Sri Dewi Lestari Disti Marta Rini Endah Dwi Jayanti Feby Syahira Hamdani Hamdani Hamzah B Uno Hasanah, Riska Ardila Ika Kurnia Sofiani Indira, Nur Irda Listiawati Irlina Dewi Irnaldi Irzan Surohman Julia Sukma Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiludin, Kamiludin Kheqal Fitradinata Khotimatul Anisa Khozinatul Asrori Koni Piranda Linda Astuti, Linda Listiawati, Irda M. Fadil Iqbar Mardiana Safitri Marisna, Diska Sendi Marta Rini, Disti Melisa Melisa Melisa Mercy Gusriyani Mistari Br Harianja Mohd Helmi Ali Muhammad Fadhli Muhammad Irfan Syah Muhammad Rizky Anes Muhardi, Sona Muslim Muslim Mutia Rosiana Nita Putri Mutia Rosiana Nita Putri Nazri Norpatiha Norpatiha Nur Azlina Nur Azlina Nur Hidayati Nur Indira Nur Indira Nur Indira Nur Umida Nurul Syahira Nurulia Ramadhani Oliv Rezfani Puji Afriyeni Ratiwi, Ratiwi Reni Ayu Anggriani Reno Firdaus Reski Lestari Resti Anugrah Revita Sari Rini, Disti Marta Rino Riyaldi Risma Junita, Risma Riyandi Fatur Nugraha Rosita, Ade Said Rizki Suhendra Saifunnajar Saifunnajar Sarson W DJ Pomalato Seri Wahyuni Serliana Sri Ika Mulia Sri Wahyuningsih Suci Hijriyati Supriyadi Surohman, Irzan Susanto, Erik Suzaini Suzaini Suzaini, Suzaini Syahira, Feby Takwa, Wardina Huma Taufik Taufik Trisna Eka Sari Wardina Huma Takwa Wulan Anis Mawati Yuliana Yuliana Yuni Dhea Utari