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All Journal AL-FALAH : Journal of Islamic Economics Disclosure: Journal of Accounting and Finance Journal of Islamic Economics and Finance
Ranaswijaya, Ranaswijaya
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Implementasi Konsep Bagi Hasil Produk Pembiayaan Ditinjau Dari Fatwa DSN-MUI Nomor 14 DAN 15 Tahun 2000 (Study Kasus Bank Syariah Mandiri KCP Curup) Ranaswijaya, Ranaswijaya
Disclosure: Journal of Accounting and Finance Vol. 1 No. 1 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (770.965 KB) | DOI: 10.29240/disclosure.v1i1.2932

Abstract

The purpose of this study is to find out how to apply the concept of profit sharing to financing products at Bank Syari'ah Mandiri KCP Curup which includes financial administration records which will be analyzed with DSN fatwa no. 14/DSN-MUI/IX/2000 and the profit-sharing method analyzed by DSN fatwa no. 15/DSN-MUI/IX/2000. This research is a field research with a qualitative descriptive approach. The main data source of this research comes from field data by collecting data from informants. The results showed that the profit sharing at Bank Syari'ah Mandiri KCP Curup was applied to Chanelling financing and Revolving Fund Financing. In terms of recording financial administration, when the transaction is related to bank disbursements the method used is accrual basis while when the transaction is related to bank receipts the method used is cash basis. This is in accordance with DSN fatwa no. 14/DSN-MUI/IX/2000. Chanelling financing method used is revenue sharing and Revolving Fund Financing cannot be classified into profit sharing or revenue sharing, the determination of the amount of bank profit is based on the use of capital by customers each month as seen from customer account mutations so that it is not relevant to DSN fatwa no. 15/DSN-MUI/IX/2000.
Pemberdayaan UMKM Dalam Menstabilkan Perekonomian Daerah Rejang Lebong di Tengah Pandemi Covid-19 Ranaswijaya, Ranaswijaya
Disclosure: Journal of Accounting and Finance Vol. 2 No. 2 (2022)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/disclosure.v2i2.5716

Abstract

This paper aims to describe how efforts are made to empower Micro, Small, and Medium Enterprises (UMKM) in stabilizing the economy in the midst of the Covid-19 pandemic. The data used is sourced from data from the official website of several agencies or institutions that are relevant to this research. The results show that although the Covid-19 pandemic has created problems for UMKM and cooperatives, on the other hand, opportunities have also emerged. UMKM actors and cooperatives can take advantage of information and communication technology so that creativity and innovation emerge among UMKM in maintaining their business which has an impact on the optimal use of local or regional products. Local governments seek to empower UMKM in meeting community needs through skills development programs and funding assistance. The UMKM empowerment programs in the midst of the Covid-19 pandemic include changing business models from conventional to digitalization, designing social and digital strategies, developing and empowering UMKM resources optimally, and economic recovery programs in the form of capital assistance from the government.
Analysis of Monzer Kahf's Thoughts on the Phenomenon of Consumption in Modern Society Ranaswijaya, Ranaswijaya; soleha, soleha
AL-FALAH : Journal of Islamic Economics Vol. 8 No. 1 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v8i1.6855

Abstract

Purpose: This study aims to describe the analysis of Monzer Kahf's thoughts on the phenomenon of consumption that occurs in today's society.Design/Method/Approach: Descriptive qualitative research with a literature review approach was used in this research. This approach was used because researcher only needed information, explanations and analysis to compile this research. The data was collected through observation and documentation while data analysis techniques used conclusion drawing techniques to obtain information objectively and systematically.Findings: The results show that Islam does not prohibit individuals from using goods to achieve satisfaction, but still regulates and limits their use so as not to violate sharia principles. A Muslim in consumption is based on obedience to Allah, needs, social justice, and freedom from sin. Therefore, a person's satisfaction in consumption is not solely based on the amount of goods consumed, but also considers whether the action is in accordance with religious teachings or not. Consumption done in order to fulfill Allah's commands and avoid His prohibitions will bring more meaningful satisfaction than merely pursuing worldly pleasures. In addition, Islam also prohibits israf and tabdzir in consumption, as these are considered inefficient and can harm one and others.Originality/Values: This research contributes to providing understanding in carrying out Islamic consumption in general and specifically based on Monzer Kahf's thoughts.
STUDI LITERATUR SISTEM KEAMANAN BIOMETRIK UNTUK VERIFIKASI MOBILE BANKING BANK SYARIAH Adilla Nadzifatuz Zahra; Khairul Umam Khudhori; Ranaswijaya, Ranaswijaya; Apriyani Lestari
Journal of Islamic Economics and Finance Vol. 2 No. 2 (2025): November
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/joieaf.v2i2.3199

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan sistem keamanan biometrik dalam verifikasi mobile banking pada bank syariah serta mengevaluasi efektivitas, tantangan, dan relevansinya berdasarkan perspektif keamanan, prinsip syariah, dan regulasi hukum positif. Metode penelitian yang digunakan adalah studi literatur dengan pendekatan deskriptif kualitatif, yang menelaah berbagai referensi ilmiah, dokumen hukum, hasil penelitian terdahulu, serta data implementasi biometrik pada bank syariah di Indonesia seperti BSI, BCA Syariah, dan Bank Mega Syariah. Hasil penelitian menunjukkan bahwa teknologi biometrik memberikan tingkat keamanan yang lebih tinggi dibandingkan metode tradisional seperti PIN dan OTP karena berbasis ciri biologis yang unik, sulit dipalsukan, dan praktis digunakan. Penerapan biometrik juga dinilai sesuai dengan prinsip hifz al-mal dalam maqashid syariah dan didukung oleh regulasi hukum seperti Undang-Undang Perlindungan Data Pribadi (UU No. 27 Tahun 2022). Namun, implementasi biometrik menghadapi tantangan berupa risiko kebocoran data, ketergantungan teknologi perangkat, dan isu etika privasi. Simpulan penelitian ini menunjukkan bahwa biometrik efektif meningkatkan keamanan verifikasi mobile banking bank syariah, namun perlu diimbangi dengan perlindungan hukum, edukasi nasabah, dan dukungan infrastruktur teknologi agar implementasinya optimal, aman, dan sesuai prinsip syariah.
Co-Authors Adilla Nadzifatuz Zahra Apriyani Lestari Khairul Umam Khudhori Kristin, Ari Muhlis Muhlis Soleha Soleha