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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 Jurnal 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 Produk Akad Qardhal Hasan (Pinjaman Modal Usaha) Husna Wahida; Fani Indriani; Riandi Fauzi; Husni Kamal
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 3 No. 3 (2025): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v3i3.2604

Abstract

This research uses a qualitative method with a descriptive approach through field studies to explore in depth the implementation of product innovation in Qardh Hasan contracts in the form of business capital loans at Islamic financial institutions. The aim of this study is to understand how Qardh Hasan products function not only as interest-free financing solutions but also as tools for empowering micro and small enterprises. Data was collected through in-depth interviews with institution managers, field officers, and beneficiary customers, as well as through documentation and direct observation of the loan distribution process. The findings reveal that innovations in managing Qardh Hasan products—such as community-based approaches, business mentoring, and entrepreneurship training—can enhance the effectiveness of fund utilization and strengthen the sustainability of micro-businesses. The use of data triangulation confirms that the success of this product largely depends on transparency, social proximity, and the institution’s commitment to upholding Sharia values. This study provides a valuable contribution to the development of socially based Sharia financing models for fostering economic self-reliance within communities.
INOVASI AKAD CASH WAQF LINKED DEPOSIT (CWLD) UNTUK SINERGI FUNGSI SOSIAL DAN KOMERSIAL BANK SYARIAH Sihite, Nadya; Husni Kamal; Sayuti, Ahmad; Safrina, Eka; Afdhilah, Nur
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 8 No 1 (2025): JUNI 2025
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v8i1.1382

Abstract

Abstrak This study reviews the innovation of Islamic banking products, namely Cash Waqf Linked Deposit (CWLD), as a solution for productive and transparent waqf fund management. The main objective of the research is to examine the legal basis, operational mechanism, as well as the potential and challenges of CWLD development in Indonesia. The method used is library research and descriptive analysis. The results show that CWLD is able to unite the synergy of social and commercial functions of Islamic banks through clear regulations, appropriate sharia contracts, and innovative fund management mechanisms. This product has great potential to expand public participation in cash waqf and support sustainable socio-economic development. Keywords: Cash Waqf Linked Deposited (CWLD), Waqf funds, Sharia innovation, Socio-economy
Inovasi Produk Akad Rahn dalam Pengembangan Gadai Emas Perbankan Syariah Mahdania Mahdania; Harfiyan Syahputra; Muhammad Ulfa Chairi; Dimaz Alfian Frastianda; Husni kamal
Journal of Islamic Economics and Finance Vol. 3 No. 3 (2025): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v3i3.3079

Abstract

This study aims to examine the innovation of rahn contract products in the development of gold pawn services in Islamic banking in Indonesia. Akad rahn is a sharia-based short-term financing instrument that provides liquidity solutions for the community without involving elements of riba, gharar, and maisir. As the need for fast, secure, and sharia-compliant financial services increases, innovation in rahn products is of strategic urgency. This research uses a qualitative descriptive approach with a literature study of literature, reports of Islamic financial institutions, and related regulations. The results of the study show that rahn product innovation is carried out through three main aspects: (1) the development of the form of contract, such as the combination of rahn with ijarah or mudharabah; (2) the use of digital technologies such as e-KYC and AI to accelerate services; and (3) the expansion of socio-economic benefits, especially for MSMEs. The study also found that the increase in gold prices has also encouraged the increase in the use of gold pawns as an alternative financial solution. Therefore, Islamic banking needs to continue to develop gold pawn services based on rahn contracts to remain competitive, inclusive, and sharia-compliant.
Inovasi Produk pada Akad Mudharabah di Bank Syariah Indonesia (BSI) Naswa Sasmita; Rizky Bayu Pratama; Natasya Natasya; Husni Kamal
Jurnal Pajak dan Analisis Ekonomi Syariah Vol. 2 No. 3 (2025): Juli: Jurnal Pajak dan Analisis Ekonomi Syariah
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jpaes.v2i3.1284

Abstract

This study examines the innovation of Hajj Savings products based on the mudharabah contract at Bank Syariah Indonesia (BSI). The innovations include digitalization of services, integration with the Ministry of Religious Affairs’ SISKOHAT system, and the development of new features such as collective savings, gamification, and auto-debit. The objective of these innovations is to facilitate Muslims in planning and saving for Hajj funds according to Sharia principles, enhance service accessibility, and provide added value tailored to modern customer needs. The findings indicate that these product innovations offer significant benefits to customers, including convenience, security, and fair profit-sharing, as well as advantages for BSI in terms of increased third-party funds, operational efficiency, and market expansion. This study emphasizes the importance of sustainable innovation grounded in Sharia principles in the development of Islamic banking products to support financial inclusion and improve service quality.
Produk Akad Musyarakah Pada Bank Syariah Indonesia Mencerminkan Kemitraan Bisnis Yang Berbasis Prinsip Bagi Hasil Adil Ajirna Ajirna; Bella Silvia; Nurul Astiva Nasution; Waldyansyah Waldyansyah; Husni Kamal
Ekonomi Keuangan Syariah dan Akuntansi Pajak Vol. 2 No. 3 (2025): Ekonomi Keuangan Syariah dan Akuntansi Pajak (EKSAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/eksap.v2i3.1362

Abstract

This study aims to analyze product innovations in the Musyarakah contract applied by Islamic financial institutions in Indonesia. The research uses a qualitative descriptive method with case studies from several Islamic banks. Data were collected through documentation and interviews with practitioners. The study found that innovations in Musyarakah products are largely driven by the need to enhance competitiveness and address the unique demands of the Indonesian market, particularly among micro, small, and medium enterprises (MSMEs)  Several banks have modified the classical Musyarakah structure to align with customer preferences and regulatory standards. For instance, some institutions implement tiered profit-sharing mechanisms, structured financing tenures, and integration with digital banking platforms to improve accessibility and monitoring. In addition, hybrid contracts that combine Musyarakah with other contracts, such as Ijarah or Murabahah, are increasingly used to create more flexible and customer-friendly financing solutions. Practitioners interviewed noted that one of the main challenges in implementing Musyarakah-based products is the higher operational and monitoring cost, due to the nature of partnership-based risk-sharing. However, these challenges are being addressed through technological innovation, such as mobile applications that help track business performance and automate profit-sharing calculations. The study concludes that product innovation in Musyarakah financing can enhance the inclusivity and effectiveness of Islamic banking in Indonesia, especially in supporting entrepreneurial sectors. Nevertheless, standardization, regulatory support, and continued investment in human resource capacity remain critical for sustained innovation. Future research may explore the customer perception of Musyarakah products, the impact of these innovations on financial performance, and comparative studies with conventional financing models.
Analisis Pengaruh Transmisi Kebijakan Moneter Dan Kinerja Likuiditas Terhadap Kebijakan Struktur Modal Bank Syariah Di Indonesia Muhayatsyah, Ali; Kamal, Husni
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

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

Abstract

This study examines the policy capital structure of Islamic banks in Indonesia by examining the impact of monetary policy transmission and liquidity performance to the capital structure policies of Islamic banks in Indonesia; The research data used in this study are from the monetary performance of Bank Indonesia and the Sharia Banking Statistics of the Financial Services Authority for the monthly observation period from 2017 to 2021. Multiple linear regression is used to analyze data. The study's findings demonstrate that while the exchange rate and the BI Rate have a sizable negative impact on the debt to equity ratio, the transmission process of monetary policy through inflation variable indicators has a positive impact on that ratio. Influencing capital structure policies in Islamic banking is strongly tied to the transmission of monetary policy in inflation targeting and the stability of the rupiah exchange rate. The capital structure policy of Indonesia's Islamic commercial banks has little impact on liquidity performance as measured by the Minimum Statutory Reserves indicators, Bank Indonesia Sharia Certificates, Cash Ratio, and Financing to Deposit Ratio. This is so that debt-increasing liquidity issues may be avoided by maintaining significantly higher liquidity performance by Islamic Commercial Banks.
SOSIALISASI PRODUK PERBANKAN SYARIAH PADA DAYAH BABUSSSALAM ACEH UTARA, ACEH Kamal, Husni
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 4, No 2 (2021): Martabe : Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v4i2.644-652

Abstract

Tujuan dari pengabdian ini adalah untuk meningkatkan pemahaman santri dayah Babussalam mengenai gambaran, akad dan produk yang diaplikasikan dalam perbankan syariah. Metode pengabdian dalam Kegiatan ini dilakukan dengan tiga tahapan, pertama dengan menjelaskan gambaran umum mengenai perbankan syariah kepada santri, yang kedua melakukan diskusi dengan santri terkait akad yang mereka pelajari dalam kitab kuning pada bab  muamalah, tahapan yang ketiga membuat simulasi atau praktik dimana santri sebagian menjadi Costumer service dan sebagiannya lagi menjadi nasabah. Temuan dalam penelitian ini dimana para santri pada dasarnya memahami akad-akad yang ada dalam muamalah serta praktiknya secara tradisional, namun mereka kurang memahaminya ketika akad tersebut diaplikasikan menjadi produk dalam perbankan syariah. Hal ini terjadi karena kurang optimal dan merata kegiatan sosialisasi yang dilakukan oleh pihak-pihak terkait termasuk kepada pesantren. Adapun hasil dari pengabdian ini meningkatnya pemahaman peserta tentang akad ataupun produk dalam perbankan syariah dan perlunya ditingkatkan sosialisasi keuangan syariah untuk pesantren.
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.
PENGEMBANGAN ISLAMIC SUPPLY CHAIN FINANCE MELALUI AKAD PEMBIAYAAN MURABAHAH PADA PLATFORM FINTECH SYARIAH DI INDONESIA Febi Safitri; Fathin Syifa; Putri Nisa Aliza; Husni Kamal
AL-IQTISHAD : Jurnal Perbankan Syariah dan Ekonomi Islam Vol. 3 No. 2 (2025): AL-IQTISHAD : Jurnal Perbankan Syariah dan Ekonomi Islam
Publisher : Program Studi Perbankan Syariah, Sekolah Tinggi Agama Islam Negeri (STAIN) Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/gdg3yt96

Abstract

Penelitian ini mengkaji pengembangan Islamic supply chain finance melalui akad pembiayaan murabahah pada platform fintech syariah di Indonesia. Konsep supply chain finance secara umum bertujuan untuk meningkatkan efisiensi rantai pasok dengan menyediakan skema pembayaran yang fleksibel bagi pembeli dan pembiayaan optimal bagi pemasok. Seiring dengan berkembangnya kebutuhan akan sistem keuangan yang efisien dan sesuai prinsip keagamaan, muncul konsep Islamic supply chain yang mengintegrasikan nilai-nilai Islam dalam seluruh proses rantai pasokan. Dalam konteks ini, fintech syariah berperan strategis sebagai inovasi teknologi di bidang keuangan yang mentransformasi sistem keuangan tradisional menjadi modern, cepat, dan inklusif, serta beroperasi berdasarkan akad-akad syariah, menghindari unsur riba, gharar, dan maysir. Salah satu akad yang dominan dalam fintech syariah adalah murabahah, yaitu transaksi jual beli dengan menyebutkan harga pokok barang dan margin keuntungan yang disepakati. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan metode studi literatur (library research) untuk mengkaji dominasi penggunaan akad murabahah dalam pembiayaan perbankan syariah di Indonesia, serta merumuskan rancangan integrasi antara prinsip supply chain finance dengan skema pembiayaan murabahah dalam model operasional berbasis fintech syariah. Hasil penelitian menunjukkan bahwa pembiayaan murabahah sangat relevan sebagai solusi permodalan, khususnya bagi pelaku usaha kecil dan menengah (UKM), karena tingkat keuntungan yang jelas dan risiko yang relatif rendah. Integrasi ini diharapkan dapat menjadi solusi inovatif untuk mengembangkan sistem pembiayaan yang efisien, berbasis teknologi, dan selaras dengan nilai-nilai syariah.
INOVASI PEMBIAYAAN KPR SYARIAH BERBASIS AKAD ISTISHNA’ DAN IJARAH MUNTAHIYAH BITTAMLIK (IMBT) Aminarti, Cindy; Salwa, Mazida; Azkiya, Nazilatul; Kamal, Husni
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 8 No 2 (2025): DESEMBER 2025
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v8i2.1416

Abstract

This study discusses the implementation of the Ijara Muntahiya Vitamrik (IMBT) contract in fundingfor Sharia apartments in Indonesia. IMBT is an agreement that allows the transfer of propertyownership at the end of the rental period in accordance with the principles of fair luxury and Sharia.The aim of this research is to analyze the supporting and inhibiting factors of implementing IMBT inSharia-KPR product innovation, as well as the actual benefits and challenges in Islamic financialinstitutions. The research method used is explanation by collecting data through literature studies,interviews and observations on the implementation of IMB contracts in several Islamic banks. Theresearch results show that the provisions of Bank of Indonesia and DSN-Mui-Fatwa provide a stronglegal basis for the implementation of the IMB Agreement. However, key challenges include realestate value risks, changes in market prices and the need for strict risk management. In addition,social factors and general understanding of IMBT contracts also influence the implementation of thisproduct. With a regulatory framework that supports support and effective risk management, theimplementation of IMBT will increase the integration of Islamic finance and, according to Sharia,provide an alternative for funding. This study is expected to contribute to the development of Islamicfinancial products and increase public satisfaction in choosing sharia-based real estate solutions.Keywords: IMBT, sharia mortgage, ijarah contract, financial flexibility, sharia financial inclusion
Co-Authors Afdhilah, Nur Ahmad Sayuti, Ahmad Ainun Mardhiah Ajirna Ajirna Akmalul Hajja Ali Muhayatsyah Almira Keumala Ulfah Aminarti, Cindy Angga Syahputra Azhari Yahya Azkiya, Nazilatul Azzuhra, Dirra Bella Silvia Dimaz Alfian Frastianda Eva Simah Bengi Fani Indriani Fathin Syifa Febi Safitri Fitriyani, Ema Gadis Ananda .S. Harfiyan Syahputra Hartini Hatini, Nadda Heny Rofizar Husna Wahida Isra Maulina Khairiyah Fikri Azzahra Khalish Khairina Kurnia, Andika Bayu M. Rafly Febryansyah Mahdania Mahdania Muhamad Syafril Nasution Muhammad Iqbal Muhammad Iqbal Muhammad Syafril Nasution Muhammad Ulfa Chairi Muhayatsyah, Ali Mukhtasar Naswa Sasmita Natasya Natasya Nurul Astiva Nasution Panira, Sismaul Putri Nisa Aliza Rahmadhani, Cahya Afrida Rahmati, Arinal Rapika Dewi Razali, Ramadhan Riandi Fauzi Rizky Bayu Pratama Rukaini Rukaini Safrina, Eka Salwa, Mazida Sihite, Nadya Supriyanto Trie Nadilla USWATUN HASANAH Waldyansyah Waldyansyah Yolanda Salsabila Balkis Yunia, Dabella