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All Journal Jurnal Ekonomi Pembangunan Ahkam: Jurnal Ilmu Syariah ESENSI: JURNAL BISNIS DAN MANAJEMEN LEGITIMASI: Jurnal Hukum Pidana dan Politik Hukum Global Review of Islamic Economics and Business Ziswaf : Jurnal Zakat dan Wakaf Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Ilmiah Peuradeun J-EBIS (Jurnal Ekonomi dan Bisnis Islam) JEM: JURNAL EKONOMI DAN MANAJEMEN JSHP (Jurnal Sosial Humaniora dan Pendidikan) El-Usrah: Jurnal Hukum Keluarga Journal of Islamic Accounting and Finance Research Islam Universalia : International Journal of Islamic Studies and Social Sciences AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Bertuah : Jurnal Syariah dan Ekonomi Islam BASHAIR Share: Jurnal Ekonomi dan Keuangan Islam Jeksyah AT-TIJARAH: Journal Islamic Banking and Finance Research Review of Islamic Social Finance and Entrepreneurship Nuansa: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam Journal of Finance and Islamic Banking Alkasb: Journal of Islamic Economics
Ramly, Arroyyan
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Prinsip dan Strategi Ukuran Investasi Ar Royyan Ramly
AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 9 No. 2 (2017): At-Tasyri': Jurnal Ilmiah Prodi Muamalah
Publisher : Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (278.528 KB) | DOI: 10.47498/tasyri.v9i2.81

Abstract

Placement of property (maal) on business activities or objects that can be developed by expecting return and facing a state of loss or risk is referred to as an investment. The Islamic concept of investment not only leads people to invest in eternal destinies such as alms, zakat, waqf, grants, and infaq. But in practice many investment instruments that can be developed from sharia products such as sukuk, sharia mutual funds, and Islamic stock. In addition to investing in an investor must understand the form of investments that are run, the type of investment, investment strategy used both through selected instruments and products used. Thus this paper discusses the current investment principles in today’s growing world and the size and investment strategy chosen by investors, which determinesthe cause of the investor’s profit and risk-taking.
Examining Gen Z's intention using halal toiletries: Theory of planned behavior and perceived risk Andani, Listia; Bundo, Mayang; Ramly, Arroyyan
Review of Islamic Social Finance and Entrepreneurship Volume 3 Issue 2, 2024
Publisher : Center for Islamic Economics and Development Studies [P3EI]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/RISFE.vol3.iss2.art3

Abstract

Purpose – This study aimed to formulate a conceptual framework to investigate the influence of attitude, perceived behavioral control, subjective norms, financial risk, social risk, and security risk on the intention to use halal toiletries among Gen Z consumers in West Java.Methodology – Purposive sampling was used in this study. The respondents were 400 Gen Z Muslims residing in West Java Province. Data analysis was conducted using Structural Equation Modeling with Partial Least Squares (SEM-PLS).Findings – Variables from the Theory of Planned Behavior (attitude, subjective norms, and perceived behavioral control) positively influenced the intention to use halal toiletries. Financial, social, and security risks negatively impact Gen Z consumers' intentions to use halal toiletries.Implications – Halal toiletries should focus on enhancing product performance to receive positive consumer feedback and increase interest. Additionally, they need to promote community engagement; improve product accessibility and user-friendliness; and address security, social, and financial risks to effectively boost consumer intention.Originality – This research integrates components of risk perception with the Theory to create a comprehensive framework for understanding Gen Z’s intention to use halal toiletries. It contributes to the literature by highlighting how specific types of risks impact consumer intentions and offers actionable recommendations for the halal toiletries industry based on empirical evidence.
Islamic Banking Services for Communities and Families in Aceh Province Post Closure Of Conventional Banks: A Comprehensive Review Maulana, Muhammad; Jihad, Azka Akmalia; Fildzia, Ayrin Sazwa; Ramly, Arroyyan; Shabarullah, Shabarullah
El-Usrah: Jurnal Hukum Keluarga Vol 7, No 2 (2024): EL-USRAH: Jurnal Hukum Keluarga
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ujhk.v7i2.26312

Abstract

Following the enactment of Qanun No. 13 of 2018 concerning Islamic Financial Institutions, some people believe that the closure of conventional banks in Aceh, without viable alternatives, has caused confusion. This is primarily because people were accustomed to using conventional banking facilities for various transactions, both at local, national, and international levels. This study aims to assess the performance of Islamic banks in Aceh after the implementation of Qanun No. 11 of 2018, which replaced conventional banks that had previously provided optimal services to the community. Specifically, the study examines the actions and strategic steps taken by Islamic banks in Aceh to meet the banking needs of the community. It also explores whether the performance and product diversification of Islamic banks have impacted customer satisfaction following the implementation of Qanun No. 11 of 2018 in Aceh. Data was collected through interviews with 23 informants. The findings suggest that while Islamic banks continue to provide services and meet community needs after the conversion, customers still face some technical obstacles, which may give the impression that Islamic banking services are not yet fully effective. However, improvements in post-conversion services appear to be aligned with the regulations set by the government.
Sharia Principles In Risk Management In Islamic Banking: A Literature Review Haikal, Mohammad; Efendi, Sumardi; Ramly, Arroyyan
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 2 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v6i2.3411

Abstract

Islamic banking operates based on sharia principles, which strictly prohibit practices such as riba (interest), gharar (excessive uncertainty), and maysir (gambling). These prohibitions directly influence the approach to risk management. This study aims to review existing literature related to the application of sharia principles in risk management within Islamic banking. To thoroughly explore the topic, this study employed a library research method, which involved collecting, analyzing, and synthesizing information from various academic sources, including scholarly journals, books, and research reports.  The findings reveal that Sharia principles not only provide a unique framework for risk management but also strengthen the financial stability of Islamic banks by avoiding speculative practices and excessive uncertainty. Furthermore, the Sharia Supervisory Board (known as DPS) plays a crucial role in ensuring compliance with these principles. Thus, the application of Sharia principles in risk management significantly contributes to the sustainability and stability of Islamic banking. However, challenges remain, such as the limited availability of Sharia-compliant financial instruments. This study recommends further study to develop innovative and Sharia-compliant risk management instruments and strategies to support the future development of Islamic banking
The impact of the Russia-Ukraine conflict on market volatility: stability of Islamic cryptocurrency Hasyim, Fuad; Rusgianto, Sulistya; Setianingsih, Hesti Eka; Fauziah, Nurul; Ramly, Arroyan
Journal of Islamic Accounting and Finance Research Vol. 6 No. 2 (2024)
Publisher : Universitas Islam Negeri Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiafr.2024.6.2.22363

Abstract

Purpose - This research investigates how the Russia-Ukraine conflict affects the volatility of cryptocurrencies, with a specific focus on the comparative stability of Islamic gold-backed cryptocurrencies versus conventional cryptocurrencies, such as Bitcoin.Method - Utilizing the GARCH model, this study examines the risk factors and volatility transmission among cryptocurrencies (Bitcoin and Tether-gold), traditional financial markets (gold and stock markets), and their interrelationships during the conflict period. The study employs the daily closing prices of Bitcoin, Tether-gold, gold, the S&P 500, and the Dow Jones Islamic Market Index from February 7, 2020, to November 30, 2023.Result - Bitcoin experienced significant volatility during the conflict, while the Tether-gold remained more stable. Islamic gold-backed cryptocurrencies have proven to be more stable than conventional ones during geopolitical crises.Implication - The findings offer valuable insights for investors seeking safe-haven assets during periods of economic uncertainty. Gold-backed cryptocurrencies present a more stable investment option compared to conventional cryptocurrencies, especially for investors adhering to Shariah principles.Originality - This research highlights the stability of Islamic gold-backed cryptocurrencies during geopolitical events, contributing to the understanding of safe-haven assets and offering practical implications for portfolio diversification and risk management.
The Shared Values of Sharia Banking: Non-Muslims Under The Qanun on Islamic Financial Institutons in Aceh Alidar, EMK; Maulana, Muhammad; Ramly, Arroyyan; Filzah, Nadhilah
AHKAM : Jurnal Ilmu Syariah Vol 24, No 1 (2024)
Publisher : Universitas Islam Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/ajis.v24i1.39188

Abstract

The implementation of the Qanun No. 11/2018 on Sharia Financial Institutions (SFIs) has led all conventional banks to suspend their operation in Aceh. The Qanun has imposed Acehnese people to use sharia banking services. It raises the question of the extent non-Muslims accept the implementation of the Qanun on SFIs considering their civil rights and how they view the Qanun in terms of their religiosity, legal compliance, and motivation for submitting to it. This study aims to analyze the reasons why non-Muslims submit to and comply with the Qanun, as well as their experiences in receiving sharia banking services. This juridical and empirical legal research collected data from observation and in-depth interviews with nine respondents in several districts in Aceh and three people outside Aceh. It concludes that non-Muslims are generally in favor of the Qanun's implementation. They do not mind utilizing sharia financial products and services, and the Qanun's provisions do not restrict their access and interests. The administration of the banks can generally satisfy the legal requirements of offering sharia banking clients quality services irrespective of their religious background. All engagement elements are fulfilled under the civil law. The sharia banking principles has not only become shared values among different religious adherents in Aceh but also do not conflict with non-Muslim customers' beliefs, religions, and rights in terms of the priniciple of equality before the law. Abstrak: Penerapan Qanun Nomor 11 Tahun 2018 tentang Lembaga Keuangan Syariah (LKS) telah menyebabkan seluruh bank konvensional menghentikan operasionalnya di Aceh. Qanun tersebut telah mewajibkan masyarakat Aceh untuk menggunakan layanan perbankan Syariah. Hal ini menimbulkan pertanyaan sejauh mana non-Muslim menerima penerapan Qanun tentang LKS dengan mempertimbangkan hak-hak sipil mereka dan bagaimana mereka memandang Qanun dalam kaitannya dengan keberagamaan, kepatuhan hukum, dan motivasi untuk tunduk pada Qanun tersebut. Penelitian ini bertujuan untuk menganalisis alasan non-Muslim tunduk dan patuh terhadap Qanun, serta pengalaman mereka dalam menerima layanan perbankan syariah. Penelitian hukum yuridis dan empiris ini mengumpulkan data melalui observasi dan wawancara mendalam terhadap sembilan responden di beberapa kabupaten di Aceh dan tiga orang di luar Aceh. Laporan ini menyimpulkan bahwa non-Muslim pada umumnya mendukung penerapan Qanun tersebut. Mereka tidak keberatan memanfaatkan produk dan jasa keuangan syariah, serta akses dan kepentingan mereka tidak dibatasi oleh ketentuan Qanun. Secara umum, administrasi bank dapat memenuhi persyaratan hukum dalam menawarkan layanan berkualitas kepada klien perbankan syariah terlepas dari latar belakang agama mereka. Seluruh unsur perikatan dipenuhi berdasarkan perspektif hukum perdata. Prinsip perbankan syariah tidak hanya menjadi nilai bersama antar umat beragama di Aceh tetapi juga tidak bertentangan dengan keyakinan, agama, dan hak nasabah non-Muslim dalam prinsip kesetaraan di hadapan hukum. 
Analisis Literasi Keuangan pada Mahasiswa STAIN Teungku Dirundeng Meulaboh Ramly, Arroyyan; Fahlauddin, Fahlauddin
Bertuah Jurnal Syariah dan Ekonomi Islam Vol. 3 No. 1 (2022): Bertuah: Jurnal Syariah dan Ekonomi Islam
Publisher : STAIN Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/jsie.v3i1.360

Abstract

This study aims to determine the financial literacy of STAIN Teungku Dirundeng Meulaboh students and the factors that affect financial literacy of STAIN Teungku Dirundeng Meulaboh students. This study uses a descriptive qualitative method. The number of respondents in this study is 150 students from 3 majors (Sharia and Islamic Economics, Tarbiyah and Teacher Training, and Da'wah and Islamic communication). The results of the study found that the financial literacy of students at STAIN Teungku Dirundeng Meulaboh is quite good, money statements and transactions shows the result of 90.5% (very good), financial planning and management found a rate of 70% (quite good), risks and benefits is 96.63% (very good), financial landscape is 49.65% (good), the knowledge of finance is 60% (good enough), and savings and loans 63.3% (good enough). In addition, there are four factors namely the gender factor, the parent's income factor, the age factor, and the parent's education level factor that affect the financial literacy of students at STAIN Teungku Dirundeng Meulaboh.
Participation And Role Ulama In Eradication Of Moneylender In Aceh Hamsa, Amrizal; Ramly, Arroyyan
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13794

Abstract

This study aims to find answers regarding the role and participation of Islamic religious scholars in eradicating loan sharks in Aceh. The actions of moneylenders in providing loans with high returns make it difficult for people to repay loans. in this case the researcher assumes that the participation of the ulema as a social elite as a pesantren leader is only to provide religious understanding to the community and provide legal fatwas. questions from researchers how are the participation of ulama in eradicating loan sharks in Aceh and what are the patterns of Islamic scholars in providing understanding related to eradicating moneylenders in Aceh. Respondents in this study were 12 people including Islamic scholars and the community. with in-depth interview method. research analysis using descriptive method by describing the phenomena that occur in the field. The research results obtained show that the participation of the Ulama is very high in eradicating moneylenders in Aceh, such as the strategic steps that have been taken to provide understanding to the community to avoid rent-seeking practices. then issued a fatwa regarding the prohibition of loan sharks and built a joint movement with the government to issue regulations against moneylender eradication in Aceh.
The Supervisory System of Conventional Online Lending in Aceh Following the Enforcement of Qanun Number 11 of 2018: A Study on Criminal Elements in Online Lending Transactions Maulana, Muhammad; Ramly, Arroyyan; Yuhasnibar, Yuhasnibar; Alidar, EMK.
Legitimasi: Jurnal Hukum Pidana dan Politik Hukum Vol. 14 No. 1 (2025)
Publisher : Islamic Criminal Law Department, Faculty of Sharia and Law, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/legitimasi.v14i1.30033

Abstract

Online Service lending has become a widely used financial product due to its accessibility, including in Aceh, which has implemented Qanun Number 11 of 2018 concerning Islamic Financial Institutions that prohibits interest-based lending practices. Therefore, this study focuses on the supervision of conventional online lending conducted by the government in Aceh following the implementation of Qanun Number 11 of 2018. This research adopts a descriptive method with data collected through interviews. The findings indicate that, to date, conventional online service lending (pinjol) operations in Aceh remain unrestricted, with no limitations imposed on their activities. In Aceh, stakeholders have yet to take concrete measures to curb or prohibit conventional online lending practices. Consequently, many consumers in Aceh, including educated individuals such as teachers and students, as well as the general public, have been trapped in debt and faced payment defaults. Therefore, strategic actions are required from both the Aceh government and religious scholars (ulama) to collaborate and synergize with relevant institutions such as the Financial Services Authority and Bank Indonesia to curb conventional fintech practices in Aceh, in accordance with the provisions outlined in Qanun Number 11 of 2018 on Sharia Financial Institutions in Aceh
The impact of website quality on Muslim tourists’ intention to visit halal destinations Hasyim, Fuad; Ramly, Arroyan
Alkasb: Journal of Islamic Economics Vol. 4 No. 1 (2025)
Publisher : Islamic Economics Study Program, Faculty of Sharia and Islamic Economics, Universitas Annuqayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59005/alkasb.v4i1.592

Abstract

This study examines the impact of website quality on Muslim tourists’ intention to visit halal destinations, mediated by e-trust, e-satisfaction, and perceived halalness. Integrating the IS Success Model and the Theory of Planned Behavior, the study surveyed 172 Muslim travelers and analyzed the data using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that website quality significantly enhances e-trust, e-satisfaction, and perceived halalness, which in turn positively influence intention to visit. Website quality also directly affects travel intentions, underscoring its persuasive role in digital engagement. The findings contribute to halal tourism research by validating perceived halalness as a distinct mediating factor and highlight the strategic importance of culturally and religiously attuned digital platforms. Future research is encouraged to adopt longitudinal methods and broader cultural comparisons to deepen the understanding of Muslim travelers' digital behavior.
Co-Authors Abdul Hakim Alidar, EMK. Amrizal Hamsa, MA Andani, Listia Azka Amalia Jihad Bundo, Mayang Cut Tari Fadila EMK Alidar, EMK ESEN, Adem Fahlauddin Fahlauddin Fahlauddin, Fahlauddin Fildzia, Ayrin Sazwa Filzah, Nadhilah Fuad Hasyim Haikal, Mohammad hamsa, amrizal Hasyim, Fuad Jihad, Azka Akmalia M Shabri Abd Majid M Shabri Abd Majid Mawardati Mawardati Mirna Indriani Mirna Indriani Mirna Indriani Mirna Indriani Muhammad Kurniawan Muhammad Maulana Muksal Muksal Mursyida, Julli Muslim A Djalil Muslim A Djalil Muslim A. Djalil Muslim A. Djalil N. Nurjanah Nurjanah Nurul Fauziah Oktanira, Celsi Pratomo, Dimas Ririn Tri Ratnasari Rusgianto, Sulistya Setianingsih, Hesti Eka Shabarullah, Shabarullah Sumardi Efendi Talbani Farlian Wahyuddin Wahyuddin Wahyuddin Wahyuddin Wahyuddin Wahyuddin Wahyuddin Yuhasnibar Zulhilmi