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All Journal TA'DIBUNA: Jurnal Pendidikan Agama Islam QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama Ganaya: Jurnal Ilmu Sosial dan Humaniora Ta`Limuna : Jurnal Pendidikan Islam HIKMAH : JURNAL PENDIDIKAN AGAMA ISLAM El-Barka: Journal of Islamic Economics and Business JURNAL EKONOMI SYARIAH An-Nahdlah: Jurnal Pendidikan Islam Journal of Applied Business, Taxation and Economics Reseach Borobudur Journal on Legal Services Journal of Finance and Business Digital (JFBD)
Faizin, Moh
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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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 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

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.
Pengaruh Gaya Hidup, Konformitas Teman Sebaya dan Status Sosial Ekonomi Orang Tua Terhadap Perilaku Konsumtif Pada Generasi Z di Kota Madiun Febriyanty, Novita; Faizin, Moh
JURNAL EKONOMI SYARIAH Vol 7, No 2 (2022): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v7i2.5482

Abstract

ABSTRACTPeople's consumption behavior initially had a rational principle. However, nowadays with changes in behavior patterns due to the entry of the era of globalization, it has an influence on all aspects of life, including consumption behavior patterns. Adolescents are one of the groups who are affected by this and adolescence is an age that is very vulnerable to being affected by social changes that occur around them, including in terms of consumption behavior. The purpose of this study was to analyze the influence of lifestyle, socioeconomic status of parents on the consumptive behavior of generation Z in Madiun city. This research method is associative research with a quantitative approach. This study used a sample of 100 adolescents in the city of Madiun in the age range of 15-25 years. The data collection technique in this study was using a questionnaire, while the initial observation used an interview technique to determine the consumption behavior of adolescents. The results of this study indicate that partially and simultaneously there is a positive and significant influence between lifestyle, peer conformity and the socioeconomic status of parents on the consumptive behavior of Generation Z in Madiun City. ABSTRAKPerilaku konsumsi masyarakat pada awalnya memiliki prinsip rasional. Namun, sekarang ini dengan adanya perubahan pola perilaku akibat masuknya era globalisasi membawa pengaruh terhadap segala aspek kehidupan tidak terkecuali pola perilaku knsumsi. Usia remaja salah satu kalangan yang ikut terdampak atas hal tersebut dan usia remaja merupakan usia yang sangat rentan terpengaruh oleh perubahan-perubahan sosial yang terjadi disekitarnya termasuk dalam hal perilaku konsumsinya. Tujuan penelitian ini adalah untuk menganalisis pengaruh gaya hidup, status sosial ekonomi orang tua terhadap perilaku konsumtif generasi Z di kota Madiun. Metode penelitian ini adalah penelitian asosiatif dengan pendekatan kuantitatif. Penelitian ini menggunakan sampel sebanyak 100 rejama di kota Madiun pada rentang usia 15-25 tahun. Teknik pengumpulan data dalam penelitian ini yaitu menggunakan kuesioner sedangkan observasi awal menggunakan teknik wawancara untuk mengetahui perilaku konsumsi remaja. Hasil penelitian ini menunjukkan bahwa secara parsial dan simultan terdapat pengaruh positif dan signifikan antara gaya hidup, konformitas teman sebaya dan status sosial ekonomi orang tua terhadap perilaku konsumtif generasi Z di kota Madiun.
Co-Authors Andy Prasetyo Wati Ashari, Muhammad Khakim Asror, Moh Athoillah, Sukijan Era Rosalina, Kenlies Febriyanty, Novita Fulgentius Danardana Murwani Ilmi Usrotin Choiriyah Isnaini, Arif Kusaeri Kusaeri Mahmudah, Siti Nur Nada, Dewi Kusuma Nisa', Khoirun Nurika Restuningdiah Rahardi, M. Rendy Rahmasari, Sita Rifqi Ridlo Phahlevy, Rifqi Ridlo Rizky, Muh Rifqal Kaylafayza Saputra, Wahyu Adi Sholikhah, Dahlia Damayanti Siti Khoiriyah Sri Budi Purwaningsih, Sri Budi Syafi'i, Imam ZAEN OKTAF, SAFIRA HABIB