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Crafting a Sharia Fintech Development Strategy in Indonesia: Leveraging SWOT Analysis for Sustainable Growth Faizin, Moh; Era Rosalina, Kenlies; Mahmudah, Siti Nur
El-Barka Journal of Islamic Economics and Business Vol. 7 No. 1 (2024)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v7i1.7415

Abstract: The incorporation of sharia principles into financial technology offers a rare chance to harmonize contemporary financial services with Islamic ideals, particularly as Indonesia’s fintech industry continues to grow rapidly. This emerging industry, called Sharia fintech, is promoting ethical financial practices that appeal to a large segment of Indonesian society in addition to increasing access to financial services. The adoption of a strategic strategy that leverages strenghths, tackles weaknesses, seizes opportunities, and mitigates dangers is crucial for the sustained expansion of sharia fintech. An excellent tool for developing such a strategy is the SWOT analysis framework. With the largest muslim population in the world, Indonesia’s demographics are unquestionably favorable for sharia fintech. But what’s new is realizing that the ingrained cultural attachment to Islamic banking can be used as a driving force behind creative product development as well as a competitive advantage. Through the utilization of this cultural resonance, sharia fintech can actively influence financial behaviors that promote economic fairness, risk sharing, and ethical investment, rather than merely adhering to sharia law. Although there is clear demand for sharia compliant products, the finance industry still lacks comprehensive regulatory frameworks and regulated standards, which is a serious shortcoming. The novel aspect of this is that it promotes cooperation between academics, industry participants and regulators. This partnership has the potential to result in the creation of dynamic laws that are both in line with Islamic law and adaptable enough to take advantage of the fintech industry’s rapid innovation. Study This use method is qualitative with approach studies sourced literature from relevant articles, books, journals, and notes with a study to answer the problem formulated. Opportunities abound in Indonesia’s fintech scene, especially when it comes to increasing financial inclusion for marginalized groups. Leading this charge could be sharia fintech, which provides products that meet the unique financial requirements of these communities while still adhering to Islamic law. The innovation is in the way these products are conceptualized, connecting modern fintech to traditional Islamic financial procedurs. Examples include using blockchain to provide transparency in the distribution of zakat or developing AI powered risk assessment models that comply with sharia law. Based on the IFE and EFE analysis above can be concluded that that became obstacle in the most important development of sharia fintech in Indonesia is minimal knowledge of public villages For operating sharia fintech, the second is lack of source Power humans (HR) control contract transaction based sharia principles, then the third competition future technology, and finally that is development sharia fintech products with various type type contract.

ENHANCING PRODUCTION EFFICIENCY IN A HOME-BASED TEMPE CHIPS INDUSTRY Qurrota'ayun, Latifatul Ummi; Zainudin, Muhamad; Mahmudah, Siti Nur
JURNAL PROFIT Vol 8, No 2 (2024): Economic and Financing
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v8i2.6287

Management is the process of coordinating the resources owned by a company to achieve goals. Management has five functions, namely, planning, organizing, actuating, and controlling. Home industry is a company whose family members are directly involved in the ownership and position or function. Home Industry is characterized by the ownership or other involvement of two or more family members in the same role in the life and functioning of the business. This research was conducted to determine the application of production management for the tempe chips home industry,including: planning, organizing, actuating, and controlling, as well as the impact of the application of production management on the development of the tempe chips home industry. Based on the research results, the implementation of production management in the home industry has been running optimally as evidenced by theimplementation of the four management functions namely planning, organizing, actuating/implementing and controlling. The impact of implementingproduction management on the development of this home industry is increasingprofits, increasing orders, achievingproduction targets thatcan meetmarket needs, aswell as the addition of networksthat work together with the Berkah Jaya Tempe Chips Home Industry. Manajemen merupakan proses pengkoordinasian sumber daya yang dimiliki oleh sebuah prusahaan untuk mencapai tujuan. Manajemen mempunyai lima fungsi yaitu, planning, organizing, actuating ,dan controlling. Home industry adalah sebuah perusahaan yang anggota keluarganya secara langsung terlibat di dalam kepemilikan dan jabatan atau fungsi. Home Industry merupakan karakteristik dengan kepemilikan atau keterlibatan lainnya dari dua peran atau lebih anggota keluarga yang sama dalam kehidupan dan fungsi bisnisnya. Penelitian ini dilakukan untuk mengetahui penerapan manajemen produksi home industry keripik tempeberkah jaya meliputi: planning, organizing, actuating, dan controlling, serta dampak dari penerapan manajemen produksi terhadap perkembangan home industry keripik tempe berkah jaya. Berdasarkan hasil penelitian, penerapan manajemen produksi pada home industry sudah berjalan secara optimal dibuktikan dengan adanya penerapan empat fungsi manajemen yaitu perencanaan,pengorganisasian,penggerakan/pelaksanaan dan pengendalian. Dampak dari penerapan manajemen produksi terhadap perkembangan home industry ini adalah meningkatnya keuntungan yang diperoleh, meningkatnya pesanan, tercapainya target produksi yang dapat memenuhi kebutuhan pasar, serta adanya penambahan jaringan yang bekerja sama dengan home industry Keripik Tempe Berkah Jaya.

Maqasid Shariah Parameters to Re-Design Policy Performance Fintech Lending Sharia in Indonesia Fikriawan, Suad; Ismail, Faisal Bin Husen; Mahmudah, Siti Nur; Amila, Amila
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 12 No 1 (2025): June
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v12i1.55395

This study scrutinizes the integration of Sharia principles within Indonesia’s burgeoning fintech sector, zeroing in on the regulatory levers that shape compliance and public trust. Its academic contribution is to forge a Maqasid-al-Sharia policy framework that ties doctrinal objectives to concrete supervisory tools and technological safeguards. Drawing on in-depth interviews with regulators, platform executives, and scholars, we expose three stubborn frictions: shallow consumer literacy, fragmented oversight, and ad-hoc adoption of transparency technologies. We show how blockchain-based audit trails and tiered disclosure standards can seal these gaps while preserving Islamic ethical mandates. The evidence recasts regulators from passive gatekeepers to active market architects, offering a blueprint for rule-making that ignites Sharia-compliant innovation and shields borrowers from predatory practices.

Examining The Indonesian Chinese Portrait: Ethnic Chinese Minority in a Muslim-majority Country Soenjoto, Wening Purbatin Palupi; Mahmudah, Siti Nur
Dinamika Penelitian: Media Komunikasi Penelitian Sosial Keagamaan Vol 25 No 1 (2025): Dinamika Penelitian: Media Komunikasi Penelitian Sosial Keagamaan
Publisher : LP2M UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/dinamika.2025.25.1.66-82

In 1998, Indonesian students demonstrated reforms that demanded every aspect of Indonesian life. By such moral strength, they succeeded in changing every basis of freedom for the people; Democracy. During the recovery of the Indonesian economic crisis and reforms, in May 1998, the most tragic riots occurred and the recovery that occurred against Indonesians was raised by Chinese. After the economic crisis in 1998, it couldn’t be denied that Indonesia's economic and political problems were in poor condition. This research uses qualitative research with a case study approach. The results of the study stated that since May 1998, the Indonesian Government has given Indonesians more freedom to speak openly, to gather in political parties. Most importantly, one of the laws states that no one is against Chinese descent. Those who value Indonesia automatically become Indonesian citizens without native (non-indigenous) recognition. The minority of citizens of Chinese descent after the 1998 riots slowly began to be recognized and became a force in the economic movement carried out by citizens of Chinese descent in Indonesia. The political relationship between Indonesia and China has become a force recognized by the world in a symbiotic relationship of mutualism in the economic and political fields.

Examining The Indonesian Chinese Portrait: Ethnic Chinese Minority in a Muslim-majority Country Soenjoto, Wening Purbatin Palupi; Mahmudah, Siti Nur
Dinamika Penelitian: Media Komunikasi Penelitian Sosial Keagamaan Vol 25 No 1 (2025): Dinamika Penelitian: Media Komunikasi Penelitian Sosial Keagamaan
Publisher : LP2M UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/dinamika.2025.25.1.66-82

In 1998, Indonesian students demonstrated reforms that demanded every aspect of Indonesian life. By such moral strength, they succeeded in changing every basis of freedom for the people; Democracy. During the recovery of the Indonesian economic crisis and reforms, in May 1998, the most tragic riots occurred and the recovery that occurred against Indonesians was raised by Chinese. After the economic crisis in 1998, it couldn’t be denied that Indonesia's economic and political problems were in poor condition. This research uses qualitative research with a case study approach. The results of the study stated that since May 1998, the Indonesian Government has given Indonesians more freedom to speak openly, to gather in political parties. Most importantly, one of the laws states that no one is against Chinese descent. Those who value Indonesia automatically become Indonesian citizens without native (non-indigenous) recognition. The minority of citizens of Chinese descent after the 1998 riots slowly began to be recognized and became a force in the economic movement carried out by citizens of Chinese descent in Indonesia. The political relationship between Indonesia and China has become a force recognized by the world in a symbiotic relationship of mutualism in the economic and political fields.

The Use of LKPD Based on the Make A Match Model to Improve Digital Writing Skills in Low Grade Elementary Schools Prayitno, Harun Joko; Mahmudah, Siti Nur; Pradana, Fajar Gemilang; Al-Kubro, Putri Balqis; Baihaqi, Muhamad Adzib
International Conference on Education for All Vol. 2 No. 1 (2024)
Publisher : Asosiasi Lembaga Pendidikan Tenaga Kependidikan Peguruan Tinggi Muhammadiyah dan Aisyiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study aims to explain the improvement of digital writing skills by using LKPD based on the make a match model. This research was conducted at SD N Pajang 03, precisely in the lower grade. This research method is descriptive qualitative, with literature study. The data obtained came from primary data and secondary data. Primary data was obtained from direct observation by researchers. Meanwhile, secondary data comes from books, articles, and other written works. There are three ways in data collection techniques, namely, observation, interviews, and documentation. The data analysis technique in this study uses the Miles and Huberman model, namely 1) Data collection; 2) data reduction; 3) data display / data presentation; and 4) drawing conclusions. Testing the validity of the data, researchers used data tringulation techniques, namely by combining the data obtained and reinforced with theories from the results of literature studies or other related research. The results of this study indicate that digital writing skills through LKPD based on the make a match model in low-grade elementary school students are stated to increase, this is evidenced by an increase in digital writing skills between cycle 1 (number of 20 students, good category 14 students with 70% presentation, quite good 5 students with 25% presentation, and very good category 1 student with 5% presentation). There was an increase in Cycle II with an increase in presentation of 35% in the very good category and a decrease in presentation of 10%. The conclusion is that the use of LKPD based on the make a match model can improve the digital writing skills of low grade elementary schools.

IMPLEMENTATION OF SHARIA MAQASHID ON SUKUK BASED ON FATWA DSN-MUI/IX/2020 Mahmudah, Siti Nur; Ghozali, Muhammad Lathoif; Ritonga, Iskandar
Islam Futura Vol 22 No 2 (2022): Jurnal Ilmiah Islam Futura
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jiif.v22i2.12296

Sukuk is an alternative option for government or corporate funding in the capital market for the sake of progressing the national economy. With the issuance of sukuk, the government or companies will get substantial funds. This is an attraction to help improve infrastructure development carried out by the government or companies. The approach taken in this research is a qualitative approach with library research type and is useful in collecting primary and secondary data sources in the form of documentation because it comes from several books, journals and other literature. The last step is data analysis through descriptive analysis method, namely data reduction, data display, and conclusion. The results of this study are the needs that can be met with the existence of sukuk, namely dharuriyah (mandatory needs), Hajiyyat (secondary needs), Tahsiniyyat (tertiary needs). This research was conducted with the aim of analyzing the benefits of issuing sukuk for a country from the perspective of maqashid sharia about sukuk

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