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All Journal Jurnal Ilmu Lingkungan Jurnal Al-Iqtishad Eklektik : Jurnal Pendidikan Ekonomi dan Kewirausahaan JURNAL PENDIDIKAN TAMBUSAI MALIA Jurnal Akuntansi Kompetif Al-Muqayyad 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 Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 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 Asian Journal of Muslim Philanthropy and Citizen Engagement
ANDRINI, ROZI
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Perbankan Syariah dan Relevansinya dengan Pengembangan Ekonomi Syariah di Indonesia Fadilah, Khairul; Andrini, Rozi
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 12 (2025): Januari
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

Islamic banking in Indonesia has experienced rapid development since its introduction in the 1990s, contributing to the creation of a more inclusive and Islamic financial system. This study aims to analyze the role of Islamic banking in the development of the Islamic economy in Indonesia, with a focus on asset growth, adoption of digital technology, and its contribution to the micro, small, and medium enterprise (MSME) sector. Data shows that Islamic banking has experienced an average asset growth of 15-20% per year, with total assets reaching more than IDR 700 trillion by the end of 2023. In addition, digital innovations such as application-based banking services have increased the accessibility and efficiency of financial services for the community. Although Islamic banking faces challenges, such as a lack of human resources and fierce competition with conventional banks, this sector has great potential to support sustainable economic development and achieve the sustainable development goals (SDGs). This study is expected to provide new insights and strategic recommendations for the further development of Islamic banking and the Islamic economy in Indonesia, as well as increase public literacy regarding banking.
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

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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.
Analisis Kedudukan dan Peran Otoritas Jasa Keuangan (OJK) dalam Pengawasan dan Regulasi Sistem Perbankan Syariah di Indonesia Hanif, Khairul; Albahi, Muhammad; Andrini, Rozi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i1.10377

Abstract

This study analyzes the position and role of the Financial Services Authority (OJK) in supervising and regulating the Indonesian Islamic banking system. This research uses a descriptive qualitative approach with library research methods. The study examines laws, OJK regulations, and scientific literature on Islamic financial supervision. This analysis highlights the OJK's dual function as a regulator and supervisor in maintaining sharia compliance, financial stability, and governance in Islamic banks. The findings reveal that the OJK holds a strategic position as an independent authority based on Law No. 21 of 2011 and Law No. 4 of 2023 concerning the Development and Strengthening of the Financial Sector. OJK's on-site and off-site supervision ensures transparency, risk management, and compliance with sharia principles. Challenges include limited human resources with dual expertise, weak harmonization with the National Sharia Council (DSN-MUI), and low public literacy. This study concludes that strengthening the role of the OJK requires increased institutional coordination, capacity building, and integration of maqasid al-shari’ah principles to ensure sustainable development of Islamic finance.
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 Budi Azwar Fadilah, Khairul Fathoni, M. Israr Fitri Amalia HAMDALAH, AHMAD Hasanah , Nur Hendrisman, Hendrisman Herlinda Herlinda, Herlinda Indrayani, Sufi jenita jenita, jenita Juandi Juandi Julika, Leny Kartika, Meri Khairul Hanif, Khairul Khairunnisa Ibrahim, Elvira Lestari, Fitra Lubis, Haniah Muhammad Fadhil Munir, Alchudri Nisaa, Khairun Resti, Okfi Rika Taslim 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, Zefri