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Research Trend On Fintech Adoption Over the Years: A Bibliometric Analysis Mansyur, Abdurrahman; Oktaviany, Mega; bin Engku Ali, Engku Muhammad Tajuddin; Makatita, Armin Rusli
LAA MAISYIR: Jurnal Ekonomi Islam Vol.10 No.2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v10i2.39201

The rapid development of the fintech industry globally underscores the importance of understanding the factors influencing individuals' or groups' intentions to adopt financial technology. This study employs a bibliometric analysis, utilizing the VOSviewer app on data extracted from the Scopus database, to explore existing research on fintech adoption. A total of 478 documents published from the inception of the field until June 2023 were included in the analysis. The results reveal diverse themes, encompassing various fintech types (Islamic Fintech, Financial Technology (FinTech), Crowdfunding, Electronic Money, Mobile Money, Mobile Payment, Block-chain), dominant variables (Intention to Use, Perceived Risk, Perceived Usefulness, Trust), and adoption theory models (TAM Technology Acceptance Model, UTAUT). This comprehensive overview provides insights into the evolving landscape of fintech adoption research, serving as a valuable resource for academics, researchers, and industry professionals, encouraging further exploration in this dynamic field.

Dispute Resolution of Problem Financing in Indonesian Islamic Banks by Basyarnas Oktaviany, Mega; Muhammad Alif Ramadhan; Rizkina Zakaria
Bukhori: Kajian Ekonomi dan Keuangan Islam Vol. 3 No. 2 (2024): Januari
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/bukhori.v3i2.2875

Purpose: This study discusses whether there is a dispute, and whether Indonesian positive law has usually provided a way for both parties to resolve it. The process that parties can undertake can be either extrajudicial proceedings or court proceedings (litigation). Method: This research applies a literature review. We collected information on regulations, research, books, documents, records, websites, and various other literature related to BASYARNAS regarding dispute resolution in Islamic banking. The secondary data used in the analysis included data from Law No. 30/1999, Indonesian Banking Surveillance Report-Third Quarter 2023, and data from the National Sharia Arbitration Board of Indonesia. Results: The results show that the role of BASYARNAS is not yet ideal because it must be preceded by written consent from the parties, and the overlapping jurisdiction between religious courts and district courts hinders the enforcement of arbitration awards. Limitations: This research suggests the need for stricter regulations regarding the jurisdiction of Islamic bank financing disputes to avoid jurisdictional dualism. There is a need for a legal infrastructure that supports Sharia-based businesses by providing effective and culturally relevant out-of-court dispute resolution mechanisms with the principles and values of Sharia commerce. Contribution: Arbitration is considered by entrepreneurs as the best way to resolve disputes out of court, as it suits the needs of businesses.

Analysis of the Effectiveness of Dispute Resolution Mechanisms: A Case Study of PT. Bank Muamalat Indoneisa and PT. General Takaful Economy Oktaviany, Mega; Ashary, Ade Rangga Putra; Nordin, Nadhirah
Tasharruf: Journal Economics and Business of Islam Vol 9, No 1 (2024): June
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v9i1.2903

This paper explains how arbitration functions in the Indonesian legal system. The purpose of this study is to determine whether there is a legal remedy that can be made by law to reach a final decision based on the principle of final and binding. This study aims to study the way sharia arbitration bodies handle economic disputes. The research method used is juridical-normative, using descriptive qualitative analysis. The results showed that, as an extra-judicial institution governed by international law that has been ratified by the Indonesian government, arbitration helps complement the Indonesian judicial system. And the absence of a legal remedy for a final award in accordance with the principles of final and binding And the absence of legal remedies for a final decision in accordance with the principle of finality and binding is one of the advantages of settlement through arbitration compared to the court, In conclusion arbitration is more effective in resolving sharia insurance disputes based on the principle of simple, fast, and cheap justice according to the mandate of the Law.

MENGGALI DAMPAK REVOLUSI MEDIA SOSIAL TERHADAP INDUSTRI HALAL DI INDONESIA Oktaviany, Mega; Hasbalah, Fikri Zaeni
JEMARI : Jurnal Edukasi Mahasiswa Sunan Giri Vol 1 No 1 (2023): Juni
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M) STIT Sunan Giri Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47625/jemari.v1i1.805

The objective of this research is to examine the impact of the social media revolution on the halal industry in Indonesia. The emergence of social media has transformed the way consumers interact and communicate. This study employs a qualitative descriptive methodology with literature review as the data source. The findings reveal that through social media, the halal industry can expand its promotional reach, enhance customer engagement, and build strong relationships with a wider audience. Social media also plays a significant role in promoting and raising awareness about halal products and services in Indonesia. By leveraging relevant and attention-grabbing content, and sharing valuable information, businesses can influence consumer perceptions and decisions regarding the halal industry. Through the social media revolution, consumers also have easy access to search for information, reviews, and recommendations before choosing halal products or services. Therefore, effective and relevant marketing strategies should be implemented by the halal industry in Indonesia, keeping up with the latest social media trends. By harnessing the power of the social media revolution, the halal industry in Indonesia can continue to thrive, achieve sustainable growth, and become a leader in the global halal market.

Analysis of the Effectiveness of Dispute Resolution Mechanisms: A Case Study of PT. Bank Muamalat Indoneisa and PT. General Takaful Economy Oktaviany, Mega; Ashary, Ade Rangga Putra; Nordin, Nadhirah
Tasharruf: Journal Economics and Business of Islam Vol 9, No 1 (2024): June
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v9i1.2903

This paper explains how arbitration functions in the Indonesian legal system. The purpose of this study is to determine whether there is a legal remedy that can be made by law to reach a final decision based on the principle of final and binding. This study aims to study the way sharia arbitration bodies handle economic disputes. The research method used is juridical-normative, using descriptive qualitative analysis. The results showed that, as an extra-judicial institution governed by international law that has been ratified by the Indonesian government, arbitration helps complement the Indonesian judicial system. And the absence of a legal remedy for a final award in accordance with the principles of final and binding And the absence of legal remedies for a final decision in accordance with the principle of finality and binding is one of the advantages of settlement through arbitration compared to the court, In conclusion arbitration is more effective in resolving sharia insurance disputes based on the principle of simple, fast, and cheap justice according to the mandate of the Law.

Analisis Pengaruh Tingkat Inflasi, Jumlah Nasabah, dan Pendapatan Gadai Syariah Terhadap Penyaluran Kredit Gadai Syariah (Rahn) (Studi Kasus pada Pegadaian Syariah Periode 2010-2019) Sutan Emir Hidayat; Oktaviany, Mega; Indah Royani
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol. 6 No. 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i1.52312

This research aims to analyze the influence of inflation rate, number of customers, and Sharia pawn income on the distribution of Sharia pawn credit (rahn) (case study at Pegadaian Syariah from 2010 to 2019). This study uses secondary data with time series obtained from the Annual Report of PT Pegadaian (persero) and the Bank Indonesia website from 2010 to 2019 and uses multiple linear regression methods assisted by the Microsoft Excel 2010 program and SPSS 24 software. The results of the study partially show that the inflation rate does not have a significant effect on the distribution of Sharia pawn credit (rahn) with a sig value of 0.831 > 0.05. Meanwhile, the number of customers also does not have a significant effect with a sig value of 0.798 > 0.05, and Sharia pawn income has a significant positive effect with a sig value of 0.000 < 0.05. Simultaneously, the results of this study show that the inflation rate, number of customers, and Sharia pawn income have a significant effect on the distribution of Sharia pawn credit (rahn) with a sig value of 0.000 < 0.05.

THE ROLE OF SOCIAL CAPITAL IN DISASTER RESILIENCE A COMPARATIVE STUDY OF URBAN AND RURAL AREAS Oktaviany, Mega; Situmorang, Marningot Tua Natalis; Lansiwi, Muhammad Amin; Gymnastiar, Iman Ahmad; Saleh, Fitra
Indonesian Journal of Studies on Humanities, Social Sciences and Education Vol. 1 No. 2 (2024): Indonesian Journal of Studies on Humanities, Social Sciences, and Education (IJ
Publisher : GoAcademica CRP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/qd0cjg65

This study explores the role of social capital in enhancing disaster resilience, comparing urban and rural areas to identify key differences and similarities. Social capital, encompassing networks, norms, and trust that facilitate coordination and cooperation, is crucial for communities facing disasters. Using a comparative study approach, we conducted surveys and interviews in selected urban and rural areas to gather data on social capital dimensions and their impact on disaster resilience. Our findings reveal that while both urban and rural communities benefit from social capital, the mechanisms and outcomes differ significantly. In urban areas, formal networks and institutional support play a more significant role, whereas in rural areas, informal networks and community cohesion are more influential. These differences highlight the need for tailored disaster resilience strategies that leverage the unique strengths of each context. The study contributes to the literature by providing empirical evidence on how social capital functions in diverse settings and offers policy recommendations to enhance disaster resilience through community engagement and capacity building.

Strategi Sosialisasi Wakaf Di Era Digital Melalui Platform Online Dengan Konsep Crowdfunding Pada Lembaga Aksi Cepat Tanggap (ACT) Sulawesi Selata M., Azhar Prayoga; Muslihati, Muslihati; Oktaviany, Mega
AT TAWAZUN: Jurnal Ekonomi Islam Vol 1 No 3 (2021): Volume 1 Nomor 3, Desember 2021
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/attawazun.v1i3.26090

Perkembangan jaman yang semakin maju saat ini mempermudah sarana komunikasi yang mampu memberikan kesempatan dan peluang dalam memberikan informasi ke masyarakat. Termasuk pengupayaan untuk meningkatkan wakaf dan pemahaman wakaf di masyarakat. Aksi Cepat Tanggap (ACT) sebagai crowdfunding untuk menghimpun dana dari khalayak ramai, Aksi Cepat Tanggap (ACT) memberikan pilihan program kemanusiaan dari dalam dan luar negeri serta metode pembayaran yang memudahkan donatur dan calon donatur untuk menyebarkan kepedulian. ACT bertujuan Menjadi organisasi kemanusiaan global profesional berbasis kedermawanan dan kerelawanan masyarakat global untuk mewujudkan peradaban dunia yang lebih baik, memberikan peluang kebaikan, ladang pahala bagi para nadzir untuk bermuamalah di jalan Allah. Menurut jenisnya, penelitian yang digunakan adalah penelitian deskriptif kualitatif yaitu dengan mengumpulkan data deskriptif suatu keadaan atau fenomena-fenomena apa adanya untuk kemudian diolah dan dianalisis untuk mendapatkan suatu informasi ilmiah. Penelitian bertujuan mengetahui tingkat efektifitas suatu program atau kegiatan dapat diukur dengan melakukan perbandingan realisasi jumlah perolehan dan target. Progres memperlihatkan hasil dibawah 100 persen yang berarti hasil crowdfunding belum bisa dikatakan maksimal. Jika hasil dari perbandingan antara capaian dengan target mencapai lebih dari 100% maka berarti program atau kegiatan yang diteliti dapat dikatakan efektif. Apabila hasil menunjukkan 100% maka dikatakan efektif berimbang, sedangkan kurang dari 100% maka hasil penelitian menunjukkan tidak (belum) efektif.

ANALISIS PERAN DEWAN PENGAWAS SYARIAH DALAM PERBANKAN SYARIAH Oktaviany, Mega; Rizky, Muhammad; Putri, Siti Nabila; Azhari, Zulfa Maula
Media Riset Bisnis Ekonomi Sains dan Terapan Vol 3, No 2 (2025): Media Riset Bisnis Ekonomi Sains dan Terapan
Publisher : Taksasila Edukasi Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71312/mrbest.v3i2.333

The Sharia Supervisory Board (DPS) plays a crucial role in ensuring that Islamic banks operate in accordance with Sharia principles. The main functions of DPS include issuing fatwas, approving products, and supervising the implementation of Islamic banking products to ensure they are free from elements of riba, gharar, and maysir. DPS also ensures that every product launched by an Islamic bank complies with Islamic law and does not harm customers or other parties. Although the role of DPS is essential, challenges in Sharia supervision include limited resources, the influence of globalization, and the uneven understanding of Sharia principles among bank management. Best practices in Sharia supervision involve close collaboration between DPS, bank management, and the implementation of adequate information technology to enhance the effectiveness of supervision. Several successful Islamic banks, such as Islami Bank Bangladesh Limited and Bank Islam Brunei Darussalam, have demonstrated that the synergy between DPS and management, along with the adoption of technology, can improve the quality of supervision and the development of Sharia-compliant products. Therefore, it is recommended that DPS continue to enhance its capacity, strengthen collaboration with management, adopt information technology to support more effective supervision, and adapt to globalization and international regulations. Keywords : Sharia Supervisory Board, Islamic banking, Sharia compliance, supervision, information technology

Dampak Penerapan Etika Bisnis Syariah terhadap Kinerja Perusahaan di Indonesia Oktaviany, Mega; Mohammad Ashyf Girindra Akbar; Khesya Putri Pratama Dhavira
Islamic Economics and Business Review Vol 4 No 1 (2025): IESBIR, June 2025
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v4i1.10065

Abstract This research discusses the main principles of Islamic business ethics, including monotheism, balance, free will, responsibility, and virtue (ihsan), and their impact on company performance. Implementation of this ethics provides significant benefits, such as improving company reputation, financial performance, relationships with stakeholders, innovation and business sustainability. Examples of implementation in large companies show increased customer loyalty and investor confidence. Apart from that, the study also reviews the example of Rasulullah SAW in carrying out business ethics, which includes honesty, trust, fairness and avoidance of unethical practices such as gharar and ihtikar. Thus, sharia business ethics not only creates economic value but also supports social and environmental welfare. This research emphasizes the importance of implementing these principles in company operations to achieve long-term sustainability. Keywords: Ethics, Islamic Business, and Company Performance. Abstrak Penelitian ini membahas prinsip-prinsip utama etika bisnis Islam, termasuk tauhid, keseimbangan, kehendak bebas, tanggung jawab, dan kebajikan (ihsan), serta dampaknya terhadap kinerja perusahaan. Implementasi etika ini memberikan manfaat signifikan, seperti peningkatan reputasi perusahaan, kinerja keuangan, hubungan dengan pemangku kepentingan, inovasi, dan keberlanjutan bisnis. Contoh penerapan pada perusahaan besar menunjukkan peningkatan loyalitas pelanggan dan kepercayaan investor. Selain itu, kajian juga mengulas keteladanan Rasulullah SAW dalam menjalankan etika bisnis, yang mencakup kejujuran, amanah, keadilan, dan penghindaran praktik tidak etis seperti gharar dan ihtikar. Dengan demikian, etika bisnis syariah tidak hanya menciptakan nilai ekonomi tetapi juga mendukung kesejahteraan sosial dan lingkungan. Penelitian ini menekankan pentingnya penerapan prinsip-prinsip ini dalam operasional perusahaan untuk mencapai keberlanjutan jangka panjang. Kata kunci: Etika, Bisnis Islam, dan Kinerja Perusahaan.

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