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FAKTOR-FAKTOR SANTRI MUSTHAFAWIYAH LEBIH MEMILIH BANK KONVENSIONAL DARIPADA BANK SYARIAH Siti Kholijah
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 1 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i1.1554

Abstract

Banking according to Law No. 10 of 1998 concerning amendments to Law No. 7 of 1992 concerning banking, is a business entity that collects funds from the public in the form of deposits and distributes them to the public in the form of credit and or other forms in order to improve the lives of many people. since 1992 Indonesia has adopted two banking systems, namely conventional and sharia banking systems. In Islam it is clearly stated that Allah SWT has forbidden usury. On this basis, it is not allowed to transact using Conventional Banks because it clearly contains usury. Some scholars have also forbidden to make transactions using Conventional Banks because it is clearly seen to contain usury. This research uses the type of field research (Field Research) which is carried out directly by researchers by going into the field to interview students and teachers who are in the Musthafawiyah Purba Baru Islamic boarding school. The problem discussed is the factor that students prefer to use Conventional Banks rather than Islamic Banks. Some of the factors that influence students to make transactions using Conventional Banks are: location, service, family, self-concept, and reference group factors. From the above factors, there are several factors that can be seen to cause an exhaustion for families to send their children's school fees. Thus it can be said that if an action can cause fatigue for someone then it is permissible to take other actions that do not cause fatigue. But it would be better if parents and students use Sharia Banks to conduct transactions to avoid usury.
Innovation in Sharia Finance Products and Services Kholijah, Siti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.4229

Abstract

The facts show that the market share for Sharia financial industry products is still relatively small when compared to conventional financial products. The development of Sharia banking products and services that are competitive and based on the needs of the Indonesian people is a causality (cause and effect) that cannot be separated from reality. This research uses the Systematic Literature Review (SLR) method to collect, evaluate, and compile research results that are relevant to innovation in Sharia financial products and services. The results of this research show several developments, including increasing institutional capacity and the availability of Sharia financial industry products that are more competitive and efficient, with one program increasing the availability and diversity of Sharia financial products, both in Sharia banking institutions, Sharia capital markets, and the Sharia non-bank financial industry.
ISMS GOVERNANCE IMPROVEMENT STRATEGY BASED ON ISO/IEC 27001:2022 IN THE UNIVERSITY INFORMATION TECHNOLOGY UNIT Siti Kholijah
Journal Informatic, Education and Management (JIEM) Vol 8 No 2 (2026): AUGUST
Publisher : STMIK Indonesia Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61992/jiem.v8i2.383

Abstract

This study evaluates the implementation of an ISO/IEC 27001:2022-based Information Security Management System (ISMS) in an information technology unit at a university. The method used is quantitative descriptive with Gap Analysis, through observation, documentation study, and a compliance questionnaire for 93 Annex A controls. The results show that ISMS implementation is at a moderate level with a medium compliance category. Most controls have been implemented according to SOPs (40% with a score of 3), but there are still obstacles in the form of uneven control implementation (16% with a score of 0) and a lack of formal documentation (14% with a score of 1). The effectiveness of ISMS is influenced by management support, documentation standardization, and a culture of information security awareness. This study recommends improving documentation, strengthening internal audits, and preparing for international certification through an ISMS development roadmap to strengthen the university's information security resilience against cyber threats.