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All Journal JURNAL PENDIDIKAN TAMBUSAI JAWI : Journal of Ahkam Wa Iqtishad JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi Jurnal El Rayyan: Jurnal Perbankan Syariah
Syahfawi, Syahfawi
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Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Penilaian Kualitas dan Risiko Pembiayaan Bank Syari'ah Jefri, Gio Vani; Nurnasrina, Nurnasrina; Syahfawi, Syahfawi
JAWI : Journal of Ahkam Wa Iqtishad Vol. 1 No. 4 (2023): JAWI - DESEMBER
Publisher : MUI Kota Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10445929

Abstract

The quality of productive assets plays a significant role in the success of Islamic banking, not just a mere function. Islamic banks consistently measure their performance by referring to the standard of productive asset quality as a benchmark. The prosperity of an Islamic bank's business substantially depends on its ability to manage investments by adhering to two main principles: the prudence principle and the Sharia principle. The aim of this research is to conduct a comprehensive evaluation of the quality and risks in Islamic bank financing. To face the complexity and dynamics of the Islamic banking world, a qualitative approach was used. The research method is based on the post-positivism philosophical foundation, which views social reality as a whole, dynamic, complex, meaningful, and colored by interactive relationships.
Implikasi Peran Dan Fungsi Pengawasan Bank Syariah Di Indonesia Pasca UU No. 21 Tahun 2011 Sadillah, Ferri; Nurnasrina, Nurnasrina; Syahfawi, Syahfawi
JAWI : Journal of Ahkam Wa Iqtishad Vol. 1 No. 4 (2023): JAWI - DESEMBER
Publisher : MUI Kota Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10444764

Abstract

The growth of the Sharia banking system in Indonesia is considered a measure of Sharia's economic success. The Indonesian Sharia Banking Supervision is responsible for regulating sharia banking activities. It is important to note that this information is from a regulatory point of view. The regulation and supervision of sharia banking activities are based on amendments to Act No. 3 of 2004 on the Bank of Indonesia, No. 23 of 1999, and Law No. 21 of 2008. After the passing of OJK Act No. 21 in 2011, Indonesian banks were granted the authority to oversee Sharia banks, which were then transferred to the JSC. The Financial Services Authority was formed due to concerns from various parties about the supervisory function of Indonesian banks in regulating Sharia banking. The JSC does not directly monitor all activities of Sharia institutions, but rather ensures that certain aspects are overseen by other institutions, such as the DPS (Dewan Pengawas Syariah).  The DPS is responsible for overseeing Sharia Financial Institutions, and is registered based on the approval of the National Sharia Council (DSN). The objective of the OJK is to meet and protect the needs and interests of the public, create a stable and sustainable financial system, and implement a financial system based on the principles of good governance, which include accountability, transparency, and independence.
Ruang Lingkup Asset And Liabillity Management (ALMA) Fitri Andina, Dwitya; Nurnasrina, Nurnasrina; Syahfawi, Syahfawi
JAWI : Journal of Ahkam Wa Iqtishad Vol. 2 No. 1 (2024): JAWI - MARET
Publisher : MUI Kota Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10775816

Abstract

An asset management system cannot do without liability management. These two systems are like two sides of a coin, connected to each other. The reason is that most sources of bank assets are obtained from deposits, even though the bank has its own capital, its liabilities are more profitable than its own capital. Therefore, the development of assets is influenced by the increase in liabilities. Judging from the composition of the bank's balance sheet, the left side is the assets owned, and the right side is the liabilities to stakeholders. To balance these two aspects, banks need an effective and efficient management system. Therefore, banks implement ALMA (Asset Liability Management). This writing uses a type/approach method in the form of library research. ALMA is a series of actions and procedures designed to control financial positions. Asset and Liability Management is also to manage risks that may arise in daily business activities which are then specifically designed so that they can optimize income while limiting asset and liability risks by complying with monetary policy and bank supervision. The implementation of asset and liability management in banking institutions, both Islamic and conventional banks, must go through the stages of budget assessment, making income plans, assessing past investment performance, monitoring the distribution of bank assets and liabilities and implementing asset and liability strategies. An asset management system cannot do without liability management. These two systems are like two sides of a coin, connected to each other. The reason is that most sources of bank assets are obtained from deposits, even though the bank has its own capital, its liabilities are more profitable than its own capital. Therefore, the development of assets is influenced by the increase in liabilities. Judging from the composition of the bank's balance sheet, the left side is the assets owned, and the right side is the liabilities to stakeholders. To balance these two aspects, banks need an effective and efficient management system. Therefore, banks implement ALMA (Asset Liability Management). This writing uses a type/approach method in the form of library research. ALMA is a series of actions and procedures designed to control financial positions. Asset and Liability Management is also to manage risks that may arise in daily business activities which are then specifically designed so that they can optimize income while limiting asset and liability risks by complying with monetary policy and bank supervision. The implementation of asset and liability management in banking institutions, both Islamic and conventional banks, must go through the stages of budget assessment, making income plans, assessing past investment performance, monitoring the distribution of bank assets and liabilities and implementing asset and liability strategies.
Penilaian Kesehatan Bank Syariah Al Farid, Hazwin; Nurnasrina, Nurnasrina; Syahfawi, Syahfawi
JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi Vol. 1 No. 4 (2023): JAAMTER - DESEMBER
Publisher : MUI Kota Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10446214

Abstract

This writing discusses the health assessment of Sharia Banks. The legal basis for regulating the health assessment of Sharia Banks (BUS and BPRS) refers to the regulations of the Law, PP, PBI, POJK, and BI, as well as OJK circulars. The article explains the RGEC assessment of Sharia Banks, using a qualitative approach with a literature study research design. This writing presents a literature review of various sources related to assessing the health of Sharia Banks, the legal basis of BUS and BPRS, and RGEC. The discussion explains that bank health assessment reflects the bank's performance and is the result of assessing the bank's condition to overcome risks and improve performance. The logical structure and causal connections between statements ensure a clear and balanced presentation of the topic. The health assessment of Sharia Commercial Banks (BUS) is regulated by Law Number 21 of 2008 concerning Sharia Banking. According to this law, banks are required to maintain their level of soundness. Article 1, paragraph 6 of POJK No. 8 of 2014 pertains to the evaluation of the soundness level of sharia commercial banks and sharia units. The health assessment of Sharia Rural Banks (BPRS) is regulated by Bank Indonesia Regulation No.9/17/PBI/2007, which is based on the Health Assessment System Rural Credit Bank using Sharia Principles. The RGEC method is an advancement of the CAMELS method. The RGEC method involves inherent risks, and quality risk management is applied to bank operations across eight factors: credit risk, market risk, liquidity risk, operational risk, legal risk, strategic risk, compliance risk, and reputation risk.
Teknis Pendirian Perbankan Syariah di Indonesia Desfianti, Silvia; Nurnasrina, Nurnasrina; Syahfawi, Syahfawi
JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi Vol. 1 No. 4 (2023): JAAMTER - DESEMBER
Publisher : MUI Kota Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10447015

Abstract

Syariah banking as an important component of banking law in Indonesia is currently experiencing rapid growth. The existence of Shariah banking is expected to help solve various problems in Indonesia, especially poverty. In the midst of its development, Shariah banking has not been able to handle the market share where the majority of the market share comes from people from the middle class. In addition, the education and socialization of Shariah banking is insufficient, so there is a diversity of public perceptions regarding Shariah banking. Pros and cons occur in society regarding the establishment of Sharia banks, where the benefits of Sharia banking are enormous, both in the economic world and in the future. This research uses literature review. Review using a qualitative approach. Primary data sources in this research were obtained from observations or research observations on problems that occur with Sharia banking management. Meanwhile, secondary data was obtained from good literature and books, journals and other sources related to current materials.
Penyelesaian Pembiayaan Bermasalah pada Bank Syari’ah Addianata, Vydika Harya; Nurnasrina, Nurnasrina; Syahfawi, Syahfawi
JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi Vol. 2 No. 1 (2024): JAAMTER - MARET
Publisher : MUI Kota Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10777573

Abstract

The pattern in resolving problematic financing at Islamic banks occurs by: 1. Restructuring. Financing restructuring is one of the efforts made by the Bank in its financing disbursement business activities so that the Customer can fulfill its obligations to the Bank. Restructuring that can be done is Rescheduling, Reconditioning, Restructuring, Rescheduling 2. Settlement through guarantee Settlement through guarantee can be done by non-litigation and litigation means. 3.Collection Agent, carried out using the services of third parties such as agents / law offices or lawyers and 4. Write off: an administrative action to delete the Customer's book that has a bad collectibility from the balance sheet amounting to the Customer's total arrears without removing the Customer's billing rights. The research method used is literature research, and also the author uses qualitative research methodology. The source of data used is taken through literature related to the object of research, and then will be analyzed descriptively with deductive analysis methods with general data that has been collected and conclusions drawn.
IMPLIKASI PERAN DAN FUNGSI PENGAWASAN BANK SYARIAH DI INDONESIA PASCA UU NO. 21 TAHUN 2011 Harahap, Ferri Sadillah; Nurnasrina; Syahfawi, Syahfawi
Jurnal El Rayyan: Jurnal Perbankan Syariah Vol. 3 No. 1 (2024): Jurnal El Rayyan: Jurnal Perbankan Syariah
Publisher : Institut Syekh Abdul Halim Hasan Binjai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59342/jer.v3i1.486

Abstract

Penulisan artikel ini bertujuan untuk menganalisi pengaturan dan pengawasan perbankan syariah berdasarkan UU Nomor 3 tahun 2004 tentang Perubahan atas UU Nomor 23 tahun 1999 tentang Bank Indonesia dan UU No 21 tahun 2008 merupakan wewenang BI. Pasca berlakunya UU No 21 tahun 2011 tentang OJK maka pengawasan perbankan syariah yang semula menjadi wewenang BI beralih ke OJK. Pembentukan Otoritas Jasa Keuangan berawal dari adanya keresahan dari berbagai pihak dalam hal fungsi pengawasan Bank Indonesia. OJK dalam menjalankan tugasnya sebagai pengawas perbankan syariah ternyata tidak melakukan pengawasan tehadap semua aktivitas lembaga syariah itu, melainkan ada beberapa aspek yang secara khusus diawasi oleh lembaga lain, dalam hal ini adalah DPS (Dewan Pengawas Syariah). DPS adalah bagian dari Lembaga Keuangan Syariah, yang bersangkutan yang penempatannya atas persetujuan Dewan Syariah Nasional (DSN). Tujuan dibentuknya OJK ini adalah untuk memenuhi danmelindungi kebutuhan dan kepentingan masyarakat, mewujudkan sistem keuangan yang stabil dan berkelanjutan, dan terselenggaranya sistem keuangan yang berdasarkan pada prinsip-prinsip tata kelola yang baik, yang meliputi akuntabilitas, transparansi, independensi.
Antara Strategi Ekonomi dan Nilai Syariah : Tinjauan Kritis terhadap Implementasi Pariwisata Halal di Thailand dan Brunei Darussalam Khairi, Muhammad Fakhri; Syahfawi, Syahfawi
Jurnal Pendidikan Tambusai Vol. 9 No. 2 (2025): Agustus
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v9i2.28258

Abstract

Pariwisata halal tentunya menjadi penemuan baru dalam dunia pariwisata karena mengacu pada penyediaan paket wisata yang diperuntukkan khususnya bagi umat muslim. Pengembangan industri pariwisata ini tentunya akan memberikan dampak positif bagi beberapa negara yang menerapkan pariwisata halal karena menjadi incaran bagi sebagian wisatawan di berbagai negara. Salah satu alasan yang menjadi pengembangan industri pariwisata ini adalah karena banyaknya jumlah umat muslim yang merupakan penganut agama terbesar kedua di dunia. Kemudian besarnya jumlah terhadap gaya hidup umat muslim, dan peningkatan jumlah kunjungan yang tercatat sebagai wisatawan muslim secara global yang meningkat mencapai 160 juta wisatawan pada tahun 2019 dari 140 juta pengunjung muslim di tahun 2018. Penelitian ini termasuk penelitian dengan menggunakan metode studi literatur atau studi pustaka dengan pendekatan kualitatif. Penggunaan data pada penelitian ini adalah data sekunder dengan memproleh dari berbagai sumber seperti artikel, jurnal, buku, laporan resmi dan dokumen lainnya. Namun pengambilan sumber ini tentunya sesuai dengan tema dan pembahasan artikel. Thailand dan Brunei Darussalam memiliki potensi untuk mengembangka sektor pariwisata halal yang sukses. Thailand perlu mengatasi tantangan terkait kesadaran, standarisasi, dan persepsi, sementara Brunei Darussalam perlu meningkatkan konektivitas, disversifikasi produk dan upaya pemasaran. Dengan mengatasi tantangan ini kedua negara dapat menarik semakin banyak wisatawan muslim dan berkontribusi pada pertumbuhan ekonomi mereka.
Financial Technology Syariah di Negara Indonesia dan Malaysia Putra, Hafiza; Syahfawi, Syahfawi; Firjatullah, Mutia
Jurnal Pendidikan Tambusai Vol. 9 No. 2 (2025): Agustus
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v9i2.28509

Abstract

Perkembangan teknologi digital membawa dampak signifikan terhadap sistem keuangan global, termasuk dalam sistem keuangan berbasis syariah. Negara Indonesia dan Malaysia sebagai negara dengan populasi Muslim terbesar di Asia Tenggara menjadi pusat perhatian dalam pengembangan fintech syariah. Studi ini bertujuan untuk membandingkan perkembangan, regulasi, serta tantangan dan peluang fintech syariah di kedua negara. Dengan pendekatan deskriptif-komparatif, ditemukan bahwa Malaysia memiliki sistem regulasi yang lebih terstruktur dan mendalam melalui Islamic Financial Services Act (IFSA) dan Shariah Governance Framework (SGF), sementara Indonesia masih berupaya memperkuat regulasi melalui POJK dan fatwa DSN-MUI. Namun, Indonesia memiliki potensi pasar yang jauh lebih besar. Studi ini merekomendasikan perlunya penguatan regulasi, inovasi produk, serta literasi keuangan syariah untuk mendukung pertumbuhan fintech Islam yang inklusif dan berkelanjutan.
Co-Authors Addianata, Vydika Harya Al Farid, Hazwin Desfianti, Silvia Firjatullah, Mutia Fitri Andina, Dwitya Harahap, Ferri Sadillah Jefri, Gio Vani Khairi, Muhammad Fakhri Nurnasrina Nurnasrina Putra, Hafiza Sadillah, Ferri