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All Journal International Journal of Integrative Sciences Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Nafis, Muhammad Cholil
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Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Opportunities And Challenges of Indonesian Sharia Banking Digital Services for Hajj-Umrah in Saudi Arabia Sabbahatun, Sri; Said, Muhammad; Nafis, Muhammad Cholil; Rusydiana, Aam
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 9 No. 1 (2025): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v9i1.3468

Abstract

Indonesia's growing Hajj and Umrah pilgrim population, along with a significant number of Indonesian expatriates in Saudi Arabia, has increased the demand for accessible and efficient Sharia-compliant financial services. The purpose of this paper is to analyze strengths, weaknesses, opportunities and threats (SWOT) Indonesian sharia banking digital services for Indonesian citizens in Saudi Arabia (Hajj and Umrah pilgrims as well as Indonesian citizens living in Saudi Arabia) and finally prioritizing strategies according to expert assessments, including experts, practitioners, regulators and stakeholders. Since SWOT analysis is unable to rank the strategies developed, an analytical network process method is applied to prioritize them according to expert judgment. The results are compared with the results of the Analytic Network Process (ANP). The results of this research analysis found that the SWOT analysis found strengths, weaknesses, threats and opportunities in Indonesian sharia banking digital services for Indonesian citizens in Saudi Arabia. The criteria tested are digital sharia banking services, sharia banking regulations, budget, human resources, infrastructure. The results of the ANP analysis found that regarding the criteria for aspects of digital sharia banking services in Indonesia for Indonesian citizens in Saudi Arabia, the indicator that is the main priority is infrastructure. Then, in the sub-criteria for the digital service aspect of sharia banks, the main indicator is mobile banking, the sub-criteria for sharia banking regulations is the MoU on sharia banking in Indonesia and Saudi Arabia. Furthermore, the main indicators in the budget sub-criteria are costs required in Indonesia, the HR sub-criteria are IT HR in sharia banking in Saudi Arabia, and finally in the infrastructure sub-criteria is infrastructure in Indonesian sharia banking
Cash Waqf: A Literature Study Using the Systematic Literature Review (SLR) and Bibliography Methods Oktavia, Nursyam; Nurwahidin; Hannase, Mulawarman; Nafis, Muhammad Cholil; Fatwa, Nur; Muttaqin, Mohammad Izdiyan
International Journal of Integrative Sciences Vol. 3 No. 12 (2024): December 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijis.v3i12.12575

Abstract

To analyze cash waqf as a preference for waqf by utilizing systematic literature review (SLR) and bibliometric analysis to identify and synthesize relevant articles from published national and international journals. Using an integrated analysis of Systematic Literature Review (SLR) and Bibliometric methods on 1,109 journal articles indexed in the Scopus database. The PRISMA protocol yielded 60 research articles eligible for review and synthesis related to cash waqf, with saturation achieved through 10 articles. Cash waqf can be an effective tool in driving economic growth. The publication and citation performance over the past ten years of observation is relatively high, with an average citation "h" index between 4 and 42 citations. Seven prominent clusters were identified: Islamic Social Finance and Cash Waqf Institutions, Cash Waqf Development, Cash Waqf Management, the function of Cash Waqf as a tool for improving community welfare, the government's role in supporting cash waqf management, the historical development of waqf along with Islamic financial institutions, and Islamic financial instruments and institutions. This study also reveals gaps in existing research, including the development of innovative cash waqf instruments, ethical management controls, broader poverty alleviation strategies, empowering financial markets in cash waqf development, and the utility of cash waqf as Islamic social finance. This study can be recommended as a consideration for the government, waqf management institutions, and other stakeholders in formulating policies and waqf empowerment programs that are more effective through the optimization of cash waqf, including through Sharia banking products linked to cash waqf, as well as innovative and digital cash waqf management. This forms the basis for analyzing waqf development and comparative studies on the effectiveness of cash waqf models
Contextualization of Ushul Fiqh in Muamalah and Modern Banking: Sharia Solutions in the Global Economic System Putro, Dimas Handoyo; Nurwahidin; Hannase, Mulawarman; Nafis, Muhammad Cholil; Nur Fatwa; Muttaqin, Mohammad Izdiyan
International Journal of Integrative Sciences Vol. 3 No. 11 (2024): November 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijis.v3i11.12424

Abstract

This study examines the application of ushul fiqh, the foundational discipline of Islamic jurisprudence, in modern Islamic banking and its implications for the global economic system. Using a Systematic Literature Review (SLR) methodology, this research analyzes academic contributions from 2018 to 2024, focusing on the integration of Islamic principles into banking practices. The findings reveal that ushul fiqh significantly reduces financial instability through principles like the prohibition of riba (interest), reduction of gharar (uncertainty), and emphasis on maslahat (public welfare). These principles align economic transactions with ethical values, fostering inclusivity and sustainability. However, challenges such as regulatory standardization and integration into global markets persist. Despite these, the study identifies substantial growth opportunities for Islamic banking, especially with the rise of sharia-compliant Fintech solutions. This research highlights the potential of ushul fiqh as a transformative tool for promoting justice and resilience in global financial systems while meeting the ethical demands of modern economies
Co-Authors Aam Rusydiana, Aam Hannase, Mulawarman MUHAMMAD SAID Nur Fatwa Nur Fatwa, Nur Nurwahidin Oktavia, Nursyam Putro, Dimas Handoyo Sabbahatun, Sri