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All Journal JURNAL EKONOMI AKUNTANSI DAN MANAJEMEN Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Ilmiah Ekonomi Islam Jurnal Darussalam: Jurnal Pendidikan, Komunikasi dan Pemikiran Hukum Islam Jurnal Istiqro' Procuratio : Jurnal Ilmiah Manajemen Jurnal Ilmiah Al-Tsarwah Izdihar : Jurnal Ekonomi Syariah Society: Jurnal Pengabdian Masyarakat Islamic Banking and Finance Engagement: Jurnal Pengabdian Kepada Masyarakat Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah IFADAH : Jurnal Ekonomi dan Manajemen Syariah
Ahmad, Zakiyyah Ilma
Dosen STIES Babussalam Jombang
Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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ANALISIS EFEKTIVITAS PENGGUNAAN M-BANKING PADA PERBANKAN SYARI’AH DI TENGAH ISU TINDAKAN PHISING Jafar Shiddiq; Nur Laily Hidayati; Zakiyyah Ilma Ahmad
ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah Vol. 1 No. 01 (2025): ISTIFADA : Jurnal Ekonomi Dan Lembaga Keuangan Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/istifada.v1i01.108

Abstract

Ekonomi syariah, sebagai sebuah disiplin yang berlandaskan pada prinsip-prinsip Islam, memerlukan ijtihad yang cermat dalam merespons tantangan ekonomi global. Jurnal ini bertujuan untuk menganalisis peran ijtihad ekonomi syariah dalam menghadapi dinamika pasar global dengan memanfaatkan metodologi ushul fiqh. Melalui penelitian ini, ditemukan bahwa ijtihad yang tepat dapat memperkuat posisi ekonomi syariah dalam konteks internasional, memfasilitasi pertumbuhan sektor-sektor keuangan yang mematuhi syariah, serta menghadapi berbagai tantangan yang muncul akibat globalisasi. Kesimpulan utama dari jurnal ini menyatakan bahwa untuk membangun sistem ekonomi syariah yang adaptif dan responsif, penting untuk melibatkan metode ijtihad yang berlandaskan pada nilai-nilai maqasid syariah dan kemaslahatan umat. Isu phishing dapat menjadi ancaman yang signifikan terhadap keamanan informasi pribadi dan keuangan nasabah pada perbankan syari’ah. Hal ini menjadi perhatian khusus, apalagi tren penggunaan mobile banking sedang digandrungi saat ini. Penelitian ini bertujuan untuk mendeksripsikan strategi keamanan yang diterapkan oleh bank dalam mencegah serangan phishing dan melindungi informasi nasabah dan juga mendeskripsikan persepsi pelanggan terhadap langkah-langkah keamanan untuk meningkatkan perlindungan informasi nasabah. Metode yang digunakan dalam penelitian ini adalah Systematic Literature Review (SLR) untuk mengidentifikasi, mengevaluasi, dan menafsirkan hasil penelitian yang relevan dengan topik yang diteliti. Hasil analisis menunjukkan bahwa pihak bank telah melakukan strategi keamanan mobile banking di tengah isu phising seperti: peningkatan keamanan sistem, edukasi nasabah, respon yang cepat terhadap insiden serta meingkatkan transparansi. Kemudian, kepercayaan masyarakat untuk tetap menggunakan mobile banking di tengah isu phising masih bertahan. Namun, trauma berat dan degredasi kepercayaan tentu dialami oleh korban phising. Pihak bank syari’ah selalu memberikan edukasi terbaik pencegahan kejadian tersebut. Dengan demikian, dapat disimpulkan bahwa mobile banking tetap digunakan oleh perbankan syari’ah dengan tetap memperhatikan keamanan data nasabah.
Challenges and Adaptation Strategies of Mosque Takmirs in the Transition from Conventional Reporting to Accounting Standards Based on PSAK 45 and PSAK 101 Rakhmawan Habibi; Zakiyyah Ilma Ahmad; Mohamad Nur Husen; Nur Laily Hidayati
ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah Vol. 2 No. 01 (2026): ISTIFADA : Jurnal Ekonomi Dan Lembaga Keuangan Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/istifada.v2i01.208

Abstract

Modernizing mosque financial governance toward accountable accounting standards is a necessity in the era of digital disruption and increasing demands for public transparency. However, the transition process is fraught with complex organizational challenges. This study aims to identify key challenges and formulate effective adaptation strategies for mosque administrators in the transition process from a conventional cash-based reporting system to the implementation of Financial Accounting Standards Statement (PSAK) 45 and PSAK 101. This study uses a qualitative approach with conceptual analysis based on a synthesis of literature on change management, non-profit accounting, and studies of religious organizations, and is analyzed using Lewin's theory of change framework. The results identify three broad categories of interrelated challenges: cultural (worship vs. management paradigm and personal belief-based culture), competency (low accounting literacy among mosque administrators), and structural (lack of change leadership and resource allocation). An in-depth analysis of the interaction of these challenges yields a new finding : a Mosque Governance Adaptation Strategy Framework (SATKAM) . This framework is a three-stage change management model—Unfreeze, Change, and Refreeze—containing a series of practical and replicable strategies. These findings make a significant contribution by offering a managerial roadmap that transforms the discourse from what to achieve to how to achieve it , thus serving as a guide for administrators and stakeholders in managing the change process in a more structured and effective manner
Effectiveness Implementation of Green Sukuk in Support Financial Sustainable Finance in Islamic Commercial Banks in Indonesia Muhammad Nur Husen; Zakiyyah Ilma Ahmad; Abdul Wakhid
ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah Vol. 2 No. 02 (2026): ISTIFADA : Jurnal Ekonomi Dan Lembaga Keuangan Syariah
Publisher : LPPM STIES BABUSSALAM

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

Abstract

Development draft sustainable finance push institution Islamic finance for integrate principle sustainability in activity business and investment . One of the instruments that have potential big in support financing sustainable is green sukuk , namely sukuk whose results its publication allocated For projects friendly environment in accordance with sharia principles . Research This aim For analyze effectiveness implementation green sukuk in support implementation Sustainable finance in Islamic Commercial Banks in Indonesia. Research use approach quantitative with method explanatory . The data used is secondary data obtained​ from report Islamic General Bank finance , report sustainability report , publication​ Financial Services Authority (OJK), Bank Indonesia, and the Ministry of Finance of the Republic of Indonesia during 2020–2025 period . Data analysis was carried out use multiple linear regression For test influence implementation green sukuk to indicator finance proxied sustainability​ through growth financing green , profitability , quality assets , and Environmental, Social, and Governance (ESG) values . Research result show that implementation green sukuk influential positive and significant to improvement financing green , strengthening image bank sustainability , as well as improvement investor confidence . In addition , the implementation green sukuk participate increase efficiency fund management and encourage growth asset productive development - oriented​ low carbon . Although Thus , the effectiveness implementation green sukuk Still face various challenges , including limited​ project green that fills sharia criteria , low market literacy regarding instrument finance green sharia, as well as Not yet optimally harmonization regulations and standards reporting sustainability . Research This conclude that green sukuk is instrument effective Islamic finance in support implementation sustainable finance at Islamic Commercial Banks in Indonesia, so that required strengthening policy , innovation products , as well as collaboration between regulators, industry banking , and investors to expand its utilization in reach objective development sustainable.
The Effect Of Sharia Capital Structure And Sharia Financing Structure On The Financial Performance Of Sharia Banking With Risk As An Intervening Variable Zakiyyah Ilma Ahmad; Ahmad Zainul Abidin; Muhammad Khoirun Nasirin; Rakhmawan Habibi; Dimyati Dimyati
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 2 No 01 (2026): IFADAH : Jurnal Ekonomi Dan Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v2i01.214

Abstract

The purpose of this study is to test and analyze the direct and indirect influence of sharia capital structure and sharia financing structure on financial performance through sharia banking risk. The type of research used is quantitative with a quantitative descriptive explanatory research analysis approach . The population in this study was 15 with a sample of 9 Islamic banks using the purposive sampling method . Data were collected using purposive sampling techniques through Islamic banking financial report data. The collected data was analyzed using Partial Least Square through the Smart-PLS application. The results of the study show: Sharia Capital Structure has a direct positive and significant influence on Financial Performance (1) Sharia Financing Structure has a direct negative and significant influence on Financial Performance, (2) Sharia Capital Structure has a direct negative and significant influence on Risk towards Sharia Banking, (3) Sharia Financing Structure has a direct negative and significant influence on Sharia Banking Risk, (4) Banking Risk towards Sharia has a direct negative and significant influence on Financial Performance, (5) Sharia Banking Risk has no influence and is not significant on the indirect relationship in mediating the relationship between Sharia Capital Structure towards Financial Performance and (6) Sharia Banking Risk has a positive and significant influence on the indirect relationship in mediating the relationship between Sharia Financing Structure towards Financial Performance.
Co-Authors abdul wahid Abdul Wahid Abdul Wakhid Abidin, Ahmad Zainul Afif Difa Asy Syafiq, Muhammad Ahmad Roziq Ahmad Syahni Ahmad Zainul Abidin Aprilia, Yunia Bambang Piluharto Budi Santoso, M. Syafi’i Budi Santoso, Mohammad Syafii Dimyati Dimyati Dimyati Dimyati Habibi, Rakhmawan Hidayati, Nur Laily husen, mohamad nur Jafar Shiddiq Jafar shiddiq Kevin Maulana Khilmia, Aqif Lilik Rahmawati Maulana, Kevin Moch. Shulthoni, Moch. Mohamad Nur Husen Mubarok, Ahmad Faqih Muhammad Khoirun Nasirin Muhammad Nasiruddin Muhammad Nasiruddin Muhammad Nur Husen Munir, Isa Sirojul Mustofa Mustofa Muthoiin, Masriatul Nasirin, Muhammad Khoirun Nur Husen, Mohamad Nur Husen, Muhammad Nur Laily Hidayati Rakhmawan Habibi Shiddiq, Jafar Sirajul Arifin Siti Rukmana Sukatin, Sukatin Syafiul Umam Zainul Abidin, Ahmad Zakaria Ahmad, Maulana