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All Journal Amwaluna Jurnal Ekonomi dan Keuangan Syariah Ekonomi Islam Indonesia
Hamid, Baharom Abdul
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Challenges and Obstacles in the Standardization and Harmonization of Fatwa in Islamic Finance Industry and Way Forward Devi, Abrista; Hamid, Baharom Abdul
Ekonomi Islam Indonesia Vol. 6 No. 1 (2024): Ekonomi Islam Indonesia
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/eii.v6i1.494

Abstract

The purpose of this paper is to explore the potential benefit, challenge and obstacles in the standardization and harmonization of fatwa in Islamic finance industry. This paper is also intended to formulate strategies to release the standardization and harmonization of fatwa. This study employs qualitative approach and reviews literatures that are relevant to the research objective. The finding indicates that the potential benefit of harmonization of fatwa are efficient and manageable regulation and control, IFIs will have a set of reporting and guideline standards, contribute to IFIs’s growth, enhance public and IFI’s confidence, and lead to greater transparency. Meanwhile, the challenges to harmonize the fatwa can be divided into four main problems, technical, governance, human resource, and regulation. Technical problems comprise difference of opinion in ijtihad and fatwas, the absence of consensus (ijma’), and national cultural specificities. Governance consist of international fatwa bodies are only followed by selected member countries, difference in sharia compliance governance model among countries, and difference level of Islamic finance industry growth among countries. Human resource involves lack of inclusivity, lack of professionals, personal/group interest. Finally, regulation be made up of lack of support from regulators, enforcement problem, and lack of legal system. This study also purposes some important strategies to release the standardization of fatwa and some recommendations for future studies.
Determinant Factor Analysis of Financial Technology Adoption Among Halal Sector Microenterprises in Indonesia Devi, Abrista; Firmansyah, Irman; Yuniarto, Arif Sapta; Hamid, Baharom Abdul; Nawawi, M Kholil
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.12546

Abstract

This study offers an empirical analysis of the factors that influence the customer attitudes towards the adoption of Financial Technology services within the Micro, Small, and Medium Enterprises (MSMEs) sector. Using Survey method, a total of 240 respondents from MSMEs were included in the sample for this study. These respondents were selected from 16 different areas located in five typical provinces in Indonesia, namely Aceh, West Sumatera, Jakarta, West Java, and East Java. This research investigates the impact of several key factors on the consumer attitudes of MSMEs towards the adoption of FinTech. These factors include Perceived Ease of Use, Digital Literacy, Risk Perception, Infrastructure, Entrepreneurial Spirit, and Perceived Usefulness. This paper utilized the Structural Equation Modelling (SEM) technique to analyse various measurement, observations, and a hybrid model. The results of the study suggest that within the specific domain of halal sector MSMEs in Indonesia, there is no significant impact of parameters such as digital finance literacy, perceived risk, and perceived utility on the adoption of digital financial services. Nevertheless, it has been observed that the perceived ease of use, the presence of adequate infrastructure, and the presence of an entrepreneurial mindset have been found to have a positive and statistically significant influence on the adoption of financial technology services among MSMEs. This study also offers theoretical and practical implications for key stakeholders seeking to enhance the utilization of financial technology services among MSMEs in Indonesia
Co-Authors Abrista Devi Arif Sapta Yuniarto Irman Firmansyah Nawawi, M Kholil