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All Journal Jurnal Al-Iqtishad Eklektik : Jurnal Pendidikan Ekonomi dan Kewirausahaan JURNAL PENDIDIKAN TAMBUSAI MALIA Jurnal Akuntansi Kompetif Al-Muqayyad Islamic Business and Finance (IBF) Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Jurnal Economica: Media Komunikasi ISEI Riau Likuid: Jurnal Ekonomi Industri Halal Indonesian Research Journal on Education Madani: Multidisciplinary Scientific Journal Amkop Management Accounting Review (AMAR) Al-Muzdahir: Jurnal Ekonomi Syariah JAWI : Journal of Ahkam Wa Iqtishad JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi Socius: Social Sciences Research Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Al-Faruq Jurnal Pengabdian Masyarakat ISEI Journal of Economic, Management, Business, Accounting Sustainability Islamic Banking & Economic Law Studies International Journal of Information System and Innovation Management Journal of Ekonomics, Finance, and Management Studies Asian Journal of Muslim Philanthropy and Citizen Engagement
ANDRINI, ROZI
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TRANSFORMASI DIGITAL DALAM MANAJEMEN KEUANGAN SYARIAH: PELUANG DAN TANTANGAN Sari, Winda Novita; Albahi, Muhammad; Andrini, Rozi
Eklektik : Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8, No 2 (2025): Eklektik
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ekl.v8i2.38636

Abstract

This study aims to analyze the influence of digital transformation on Islamic financial management and to identify the opportunities and challenges arising from its implementation. The research method used is a qualitative literature review by analyzing secondary data from journals and official reports published between 2019 and 2024. The findings indicate that digital transformation plays a vital role in improving efficiency, transparency, and financial inclusion through technologies such as FinTech, Blockchain, Big Data, and Artificial Intelligence. Nevertheless, significant challenges such as low digital literacy, sharia compliance issues, and inadequate regulatory frameworks remain. This research contributes to strengthening the literature on integrating digital innovation and maqashid alshariah principles to support the sustainability of Islamic finance in the digital era.
Inovasi dan Penguatan Ekosistem Fintech Syariah di Indonesia: Studi Kasus Crowdfunding dan P2P Lending Syariah di Indonesia Khairunnisa Ibrahim, Elvira; Albahi, Muhammad; Andrini, Rozi
OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah Vol. 6 No. 2 (2025): OIKONOMIKA: Jurnal Kajian Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53491/oikonomika.v6i2.1871

Abstract

Digital transformation has driven significant growth in Indonesia’s Islamic finance industry. Through innovations in financial technology (fintech), Sharia-based financial services have become more inclusive, efficient, and transparent. This study aims to analyze the forms of Sharia financial product innovations based on fintech, particularly in the models of crowdfunding and Sharia peer-to-peer (P2P) lending, as well as to identify the challenges and strategies for strengthening its ecosystem. The research employs a literature review method with a descriptive-comparative approach, drawing from various academic publications, reports from the Financial Services Authority (OJK), and data from the Indonesian Sharia Fintech Association (AFSI). The findings show that Sharia fintech plays a strategic role in expanding access to halal financing for MSMEs through mechanisms such as mudharabah, musyarakah, and qardh hasan. However, challenges remain in the form of low Islamic financial literacy, limited regulations and human resources, and weak public trust in fund management transparency. Strengthening strategies required include regulatory harmonization and contract standardization, enhancement of Sharia digital literacy, technological innovation through blockchain and smart contracts, and cross-sector collaboration among regulators, academics, and industry players. With the implementation of these strategies, Indonesia’s Sharia fintech ecosystem has the potential to become an inclusive, equitable, and sustainable Islamic financial model aligned with the values of maqāṣid al-sharī‘ah.
OPTIMALISASI AKAD DALAM PRODUK PASAR MODAL SYARIAH UNTUK MENDORONG LITERASI INVESTOR DI INDONESIA Yunilhamri, Muhammad Syauqi; Andrini, Rozi
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 8 No. 1 (2026): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v8i1.2025

Abstract

Pasar modal syariah merupakan bagian penting dalam sistem keuangan syariah yang menawarkan alternatif investasi sesuai prinsip Islam. Namun, peningkatan jumlah investor syariah di Indonesia belum diiringi dengan peningkatan literasi terhadap akad yang melandasi produk pasar modal seperti saham syariah, reksadana syariah, dan sukuk. Penelitian ini bertujuan untuk menganalisis mekanisme transaksi serta akad yang digunakan dalam ketiga instrumen tersebut serta urgensi optimalisasinya guna meningkatkan pemahaman dan kepatuhan investor terhadap prinsip syariah. Pendekatan kualitatif digunakan dengan studi literatur, regulasi, dan data sekunder dari Bursa Efek Indonesia dan Otoritas Jasa Keuangan. Hasil penelitian menunjukkan bahwa akad-akad yang digunakan dalam ketiga instrumen tersebut adalah akad Musyarakah, dan Bay’I (Jual beli) di saham syariah, Wakalah Bil Ujrah, Mudharabah, dan Bay’I di Reksadana Syariah, serta Ijarah, Mudharabah, Musyarakah, Murabahah, dan Istishna’ di Obligasi/sukuk syariah. Oleh karena itu, optimalisasi akad melalui pendekatan edukatif, penyederhanaan struktur, dan transparansi mekanisme transaksi menjadi sangat relevan. Langkah ini diyakini dapat memperkuat fondasi etis dan spiritual investasi syariah serta mendorong literasi dan kepatuhan yang berkelanjutan.
Implementasi Islamic Corporate Social Responsibility (ICSR) di Indonesia: Telaah Komprehensif terhadap Tanggung Jawab Sosial Berbasis Syariah Selvia, Dinda; Albahi, Muhammad; Andrini, Rozi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 12 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i12.10419

Abstract

This research is motivated by the phenomenon of the implementation of Islamic Corporate Social Responsibility (ICSR) in Indonesia, which has not yet fully reflected sharia values ​​comprehensively. The purpose of this study is to analyze in-depth the implementation of ICSR in sharia-based companies, identify gaps between normative concepts and empirical practices, and formulate an ideal and sustainable implementation model. The research method uses a qualitative approach with literature analysis and secondary data in the form of sustainability reports and sharia CSR policy documents. The results show that although normatively ICSR is based on the principles of ihsan, tauhid, and maqashid al-syariah as a form of worship and trust, its implementation in the field is still formalistic, administrative, and image-oriented. The findings indicate that ICSR does not significantly impact financial performance, but has a positive impact on reputation and consumer loyalty when implemented substantially and transparently. This study implies the need to revitalize ICSR implementation through the integration of maqashid al-syariah values, the application of the Shariah Impact-Based CSR model, strengthening sharia governance, and impact-based reporting so that ICSR implementation can deliver economic, social, and spiritual sustainability in a balanced manner and in accordance with the objectives of social responsibility in Islam.
Sumber Daya Manusia (Sdm) Sebagai Tantangan Dalam Pengembangan Perbankan Syariah Di Indonesia Andriani, Desi; Andrini, Rozi
ISLAMIC BUSINESS and FINANCE Vol 6, No 2 (2025): ISLAMIC BUSINESS AND FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v6i2.34557

Abstract

The 1998 financial crisis has affected the Indonesian financial sector in several ways, particularly the banking sector. The creation of an alternative sharia-based banking system that is free from usury and based on profit sharing in accordance with sharia principles, helped overcome the liquidity problems faced by many conventional banks. The lack of human resources (HR) with the necessary skills to meet business demands is a major challenge that Islamic banking must face today. The purpose of this study is to examine the importance for Islamic banks to continuously strive to upgrade the quality of their human resources to compete in the digital era and make Islamic banks more competitive in the financial sector. The research uses a desk study approach to identify the challenges and needs of HR development in Islamic banking, focusing on the aspects of technical and sharia competencies. The analysis shows that Islamic banking requires human resources with multidisciplinary skills in economics and sharia to support product innovation and sharia-compliant banking services. Targeted HR development is needed so that Islamic banks can adapt to technological advances and meet market demand for competitive and sharia-compliant financial services. Keywords: Human Resources, Challenge Islamic Banking
Co-Authors Adawiyah, Robiyatul Adel, Ichsanul Reihan Afifah, Dhiya Dwi Albahi, Muhammad Alhalimi, Kamila Amanda, Elisa Ananda, Lili Permata Anjelina, Juwita Arum, Hafidza Sanshia Asyrofi, Muhammad Zuhdi Desi Andriani Fadilah, Khairul Fathoni, M. Israr Fitri Amalia Hasanah , Nur Hendrisman, Hendrisman Herlinda Herlinda, Herlinda Indrayani, Sufi jenita jenita, jenita Julika, Leny Kartika, Meri Khairunnisa Ibrahim, Elvira Lubis, Haniah Muhammad Fadhil Munir, Alchudri Nisaa, Khairun Resti, Okfi Rismawati, Viona Rosadi, Syukri Sari, Winda Novita Selvia, Dinda Susanti, Elsa Syahpawi Syahpawi Syahreza Pahlevi, Mohamad Syamsurizal - - Tajul ‘Ula, Tajul Virna, Marlinda Intan Wahyudi Wahyudi Yunilhamri, Muhammad Syauqi Zakiyah, Hanifah Zefri Maulana