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All Journal Jurnal Riset Akuntansi Terpadu Jurnal Ilmiah Ekonomi Islam Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Jurnal Hukum Samudra Keadilan Martabe : Jurnal Pengabdian Kepada Masyarakat Jurnal Hukum Ekonomi Syariah Journal of Education, Humaniora and Social Sciences (JEHSS) Enrichment : Journal of Management AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Jurnal Geuthee AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Aksioma Al-Musaqoh Al Mashaadir : Jurnal Ilmu Syariah Jurnal Abdimas ADPI Sosial Dan Humaniora AT-TIJARAH: Journal Islamic Banking and Finance Research Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Journal of Islamic Economics and Finance Equivalent : Journal of Economic, Accounting and Management Al-Iqtishad Jurnal Pajak dan Analisis Ekonomi Syariah Ekonomi Keuangan Syariah dan Akuntansi Pajak Jurnal Inovasi Ekonomi Syariah dan Akuntansi Malik Al-Shalih GLOSSARY
Husni Kamal
Universitas Islam Negeri Sultanah Nahrasiyah Lhokseumawe
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Inovasi Akad Mudharabah dalam Perbankan Syariah: Persefektif Ekonomi Syariah dan Implikasinya terhadap Praktik Modern Kurnia, Andika Bayu; Rahmadhani, Cahya Afrida; Hatini, Nadda; Kamal, Husni
Glossary : Jurnal Ekonomi Syariah Vol. 3 No. 1 (2025)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v3i1.342

Abstract

Akad mudharabah merupakan salah satu pilar penting dalam sistem pembiayaan perbankan syariah yang mengedepankan asas keadilan dan kemitraan melalui prinsip bagi hasil antara shahibul maal (pemilik modal) dan mudharib (pengelola dana). Meskipun secara historis dan syariah memiliki legitimasi kuat, penerapan akad ini dalam perbankan modern masih menghadapi sejumlah tantangan, seperti minimnya pemahaman masyarakat, risiko moral hazard, serta keterbatasan infrastruktur dan regulasi yang adaptif terhadap perkembangan zaman. Penelitian ini bertujuan untuk mengkaji dinamika inovasi dalam akad mudharabah dari perspektif ekonomi syariah, serta bagaimana implementasinya dapat disesuaikan dengan kebutuhan dan perkembangan praktik keuangan kontemporer yang semakin kompleks dan kompetitif. Metode penelitian yang digunakan adalah pendekatan kualitatif melalui studi literatur, dengan merujuk pada literatur akademik, fatwa Dewan Syariah Nasional, serta data empiris dari praktik perbankan syariah di Indonesia. Hasil kajian menunjukkan bahwa integrasi teknologi digital seperti sistem pelaporan real-time, platform investasi daring, dan big data analysis dapat mendorong efektivitas, efisiensi, dan transparansi akad mudharabah. Selain itu, pengembangan produk baru seperti mudharabah musytarakah terbukti mampu meningkatkan fleksibilitas dan perluasan segmen pembiayaan. Penelitian ini menyimpulkan bahwa inovasi yang berbasis prinsip maqashid syariah, didukung dengan edukasi masyarakat, literasi keuangan digital, dan penyempurnaan regulasi, sangat diperlukan untuk menjadikan akad mudharabah sebagai instrumen unggulan dalam mewujudkan sistem keuangan syariah yang inklusif, adaptif, berkelanjutan, dan berdaya saing tinggi di era modern.
Peran Inovasi Produk Bank Syariah Indonesia (BSI) dalam Meningkatkan Akses Pemberdayaan UMKM Azzuhra, Dirra; Hartini, Hartini; Panira, Sismaul; Kamal, Husni
Glossary : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v3i2.374

Abstract

The Program for Empowerment and Enhancement by Bank Syariah Indonesia (BSI) significantly supports micro, small, and medium enterprises (UMKM) in Indonesia by providing Sharia-compliant financing such as murabahah, as well as fostering product development, digital marketing, and managerial skill enhancement. This initiative improves access to capital, enhances competitiveness, and promotes financial inclusion for UMKM, especially in remote areas. The role of Islamic banking product innovation is crucial in increasing UMKM access to funding, with banks acting as financial facilitators aligned with Sharia principles like mudharabah, musyarakah, and murabahah, which help UMKM obtain capital without interest and through fair systems. The research findings indicate that support through Sharia-based financing mechanisms and digital technology innovations can improve transparency and service accessibility, although challenges such as limited product understanding and administrative barriers still need to be addressed. Bank Syariah Indonesia exemplifies this approach by offering various financing products, training programs, and digital platforms that facilitate UMKM access to capital and markets. These innovations significantly contribute to UMKM empowerment, community welfare, and sustainable national economic growth. The findings demonstrate the potential of these efforts to strengthen financial inclusion and accelerate Sharia-based economic development in Indonesia.
Peran Inovasi Produk Bank Syariah Indonesia (BSI) dalam Meningkatkan Akses Pemberdayaan UMKM Dirra Azzuhra; Hartini Hartini; Sismaul Panira; Husni Kamal
Glossary : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v3i2.374

Abstract

The Program for Empowerment and Enhancement by Bank Syariah Indonesia (BSI) significantly supports micro, small, and medium enterprises (UMKM) in Indonesia by providing Sharia-compliant financing such as murabahah, as well as fostering product development, digital marketing, and managerial skill enhancement. This initiative improves access to capital, enhances competitiveness, and promotes financial inclusion for UMKM, especially in remote areas. The role of Islamic banking product innovation is crucial in increasing UMKM access to funding, with banks acting as financial facilitators aligned with Sharia principles like mudharabah, musyarakah, and murabahah, which help UMKM obtain capital without interest and through fair systems. The research findings indicate that support through Sharia-based financing mechanisms and digital technology innovations can improve transparency and service accessibility, although challenges such as limited product understanding and administrative barriers still need to be addressed. Bank Syariah Indonesia exemplifies this approach by offering various financing products, training programs, and digital platforms that facilitate UMKM access to capital and markets. These innovations significantly contribute to UMKM empowerment, community welfare, and sustainable national economic growth. The findings demonstrate the potential of these efforts to strengthen financial inclusion and accelerate Sharia-based economic development in Indonesia.
Inovasi Produk Pembiayaan Berbasis Digital pada Bank Syariah dalam Meningkatkan Inklusi Keuangan Fanesa Ahzara; Putri Humairah Napitupulu; Husni Kamal
Glossary : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2026)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v4i1.489

Abstract

Perkembangan teknologi digital mendorong bank syariah menghadirkan berbagai inovasi produk pembiayaan yang lebih mudah diakses masyarakat. Penelitian ini bertujuan menganalisis peran inovasi produk pembiayaan berbasis digital dalam meningkatkan inklusi keuangan. Metode yang digunakan berupa studi kepustakaan melalui kajian berbagai jurnal, buku, serta sumber ilmiah terkait. Hasil penelitian menunjukkan bahwa pembiayaan berbasis digital memberikan kemudahan akses, mempercepat proses layanan, memperluas jangkauan nasabah, serta meningkatkan penggunaan layanan keuangan syariah. Inovasi tersebut berkontribusi terhadap peningkatan inklusi keuangan masyarakat. Tantangan yang masih dihadapi meliputi literasi digital, keamanan data, serta kesiapan infrastruktur teknologi.
Co-Authors Ainun Mardhiah Ajirna Ajirna Akmalul Hajja Ali Muhayatsyah Almira Keumala Ulfah Angga Syahputra Azhari Yahya Azzuhra, Dirra Bella Silvia Dimaz Alfian Frastianda Dirra Azzuhra Eva Simah Bengi Fanesa Ahzara Fani Indriani Fathin Syifa Febi Safitri Fitriyani, Ema Gadis Ananda .S. Harfiyan Syahputra Hartini Hartini Hartini Hatini, Nadda Heny Rofizar Husna Wahida Ishma Nurhasanah Isra Maulina Khairatul Umuri Khairiyah Fikri Azzahra Khalish Khairina Kurnia, Andika Bayu M. Rafly Febryansyah Mahdania Mahdania Muhamad Syafril Nasution Muhammad Iqbal Muhammad Syafril Nasution Muhammad Ulfa Chairi Muhayatsyah, Ali Mukhtasar Naswa Sasmita Natasya Natasya Nurul Astiva Nasution Panira, Sismaul Putri Humairah Napitupulu Putri Nisa Aliza Rahmadhani, Cahya Afrida Rahmati, Arinal Rapika Dewi Razali, Ramadhan Rezeki Amalia Riandi Fauzi Rizky Bayu Pratama Rukaini Rukaini Sismaul Panira Supriyanto Trie Nadilla USWATUN HASANAH Waldyansyah Waldyansyah Yolanda Salsabila Balkis Yunia, Dabella