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Benefit and harm of cryptocurrency as the official currency of a state Darmawansyah, Trisna Taufik; Polindi, Miko; Fitriani, Putri Diesy; Aguspriyani, Yani; Setiadi, Rezky Mehta; Sanawi, Sanawi
Journal of Enterprise and Development (JED) Vol. 5 No. Special-Issue-1 (2023): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar

Purpose — The paper highlights two different opinions among scholars regarding the permissibility of cryptocurrency and explores the factors that contribute to these opinions. Additionally, the article discusses the potential risks associated with cryptocurrency, such as the lack of intrinsic value and the potential for use in illegal activities. Overall, the article seeks to provide insights into the Shariah perspective on cryptocurrency and its potential impact on the financial industry.Method — In conducting a SWOT (strengths, weaknesses, opportunities, and threats) analysis on cryptocurrency, the author gathered data from previous studies, literature in English, Indonesian, and Arabic. Then, the data collected through the SWOT analysis was analyzed using the principles of mashlahah and mafsadah and the principles of maqasid al-shariah. The appropriate method for analyzing data in this study is secondary data analysis.Result — Cryptocurrency is an innovation that has never happened before, especially in the financial world. Cryptocurrency brings many benefits but also brings losses, as evidenced by the weakness of the system and external activities. Based on the SWOT analysis, it appears that the losses or mafsadah tend to be more than the mashlahah, meaning that problems and conflicts will arise if cryptocurrency is used as the official currency of a country.Contribution — The paper makes an important academic contribution by using the Islamic concept of Maqashid al-Sharia, specifically the analysis of mashlahah (benefits) and mafsadah (harms), to evaluate the potential use of cryptocurrencies as national currencies.

The Influence of Capital Adequacy Ratio and Financing to Deposit Ratio on Returns On Assets in Islamic Commercial Banks in Indonesia Setiadi, Rezky Mehta; Hamidah, Nuh
Banque Syar'i: Jurnal llmiah Perbankan Syariah Vol. 10 No. 2 (2024): Juli - Desember 2024
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/bs.v10i2.12251

This study analyzes the financial performance of Indonesian Islamic Commercial Banks by examining the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Return on Assets (ROA) on quarterly data for 2021–2022. This study investigates deviations from theoretical expectations regarding the relationship between CAR and FDR with ROA. Based on previous studies that reported inconsistent effects of these variables on profitability, this study explores the impact of CAR and FDR on ROA both individually and in combination. This study focuses on identifying the specific contribution of independent variables to ROA, both partially and simultaneously in the Islamic banking sector during the period. This study took a sample of nine banks registered on the official website of the Financial Services Authority (OJK), using a purposive sampling technique based on quarterly data resulting in 65 samples for observation. Multiple linear regression analysis through SPSS 25 shows that CAR has a positive and significant impact on ROA (t = 4.825 > 1.999, p = 0.000), as well as FDR (t = 2.119 > 1.999, p = 0.038). Together, CAR and FDR significantly affect ROA (F = 18.490 > 3.148, p = 0.000). Thus, this finding finds that there is a significant influence of CAR and FDR on ROA, both individually and together, so that it becomes important information in the framework of the financial performance of Islamic Commercial Banks in Indonesia.

The Effect of Good Corporate Governance and Firm Characteristics on Firm Value of Sharia and Conventional Banks in Indonesia Wulandari, Soliyah; Sudirja, Dede; Setiadi, Rezky Mehta; Shabrina, Haezah Nur
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 16, No 1 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i1.831

This research aims to empirically prove the influence of good corporate governance and company characteristics on firm value. Good corporate governance in question is the board of directors, independent commissioners, audit committee, and institutional ownership, while company characteristics are company size, profitability, and leverage. The object of this research is Banks Listed on the Indonesian Stock Exchange. The sample period in this research is 2021 and 2022. Sample selection was carried out using the purposive sampling method. The final sample used in this research was 60 observations. The secondary data collected were financial reports from each bank. The data was processed using multiple regression model statistical tests. The results of this research show that company size and profitability influence the firm value of sharia and conventional banks listed on the Indonesia Stock Exchange. Meanwhile, the board of directors, independent commissioners, audit committee, institutional ownership, and leverage have no effect on the firm value of sharia and conventional banks listed on the Indonesia Stock Exchange.

Bitcoin dalam Persepektif Fiqih Muamalah Kontemporer: Bitcoin in the Perspective of Contemporary Fiqh Muamalah Ulfah, Nurul; Aningti, Amanda Dwi; Suryani, Suryani; Marfu’ah, Siti; Humaemah, Ratu; Azim, Muhammad Fadli; Setiadi, Rezky Mehta
Al Dzahab Vol. 6 No. 1 (2025): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v6i1.4361

Purpose: This research is to understand Bitcoin in the perspective of contemporary muamalah fiqh, find out how contemporary scholars understand bitcoin and analyze whether it is permissible or not from the perspective of contemporary muamalah fiqh. Design/methodology/approach: This research method is included in the quantitative category with a descriptive approach process, where the data collection technique relies on references in the library method as the main source. In other words, the data collection method is obtained from literature, such as articles, online media, books and other sources. Findings: : The results of this research show that bitcoin as an investment is not permitted because it contains gharar and maysir, and is not recognized as an official medium of exchange. The Indonesian government also does not support bitcoin as an official currency and considers it illegal under the Bank Indonesia Law. Research implications: From the results of this research, it is known that the development of Bitcoin in the Contemporary Prefective Fiqh of Muamalah, namely cryptocurrency, whether Bitcoin or other related cryptocurrencies, is still not accepted in Islamic law. and it could be said that it has not been legally and legitimately accepted in Indonesia.

Benefit and harm of cryptocurrency as the official currency of a state Darmawansyah, Trisna Taufik; Polindi, Miko; Fitriani, Putri Diesy; Aguspriyani, Yani; Setiadi, Rezky Mehta; Sanawi, Sanawi
Journal of Enterprise and Development (JED) Vol. 5 No. Special-Issue-1 (2023): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar

Purpose — The paper highlights two different opinions among scholars regarding the permissibility of cryptocurrency and explores the factors that contribute to these opinions. Additionally, the article discusses the potential risks associated with cryptocurrency, such as the lack of intrinsic value and the potential for use in illegal activities. Overall, the article seeks to provide insights into the Shariah perspective on cryptocurrency and its potential impact on the financial industry.Method — In conducting a SWOT (strengths, weaknesses, opportunities, and threats) analysis on cryptocurrency, the author gathered data from previous studies, literature in English, Indonesian, and Arabic. Then, the data collected through the SWOT analysis was analyzed using the principles of mashlahah and mafsadah and the principles of maqasid al-shariah. The appropriate method for analyzing data in this study is secondary data analysis.Result — Cryptocurrency is an innovation that has never happened before, especially in the financial world. Cryptocurrency brings many benefits but also brings losses, as evidenced by the weakness of the system and external activities. Based on the SWOT analysis, it appears that the losses or mafsadah tend to be more than the mashlahah, meaning that problems and conflicts will arise if cryptocurrency is used as the official currency of a country.Contribution — The paper makes an important academic contribution by using the Islamic concept of Maqashid al-Sharia, specifically the analysis of mashlahah (benefits) and mafsadah (harms), to evaluate the potential use of cryptocurrencies as national currencies.

PENINGKATKAN DAYA TARIK KONSUMEN KALIGRAFI KERTAS PELANGI MELALUI INOVASI DESIGN Zahra, Hairani; Musfi, Zahfa; Wahyuningsih, Viandini; Zahra, Fakhriyah; Suryani, Suryani; Humaemah, Ratu; Fahrurrozi, Fahrurrozi; Azim, Muhamad Fadli; Jamaluddin, Jamaluddin; Setiadi, Rezky Mehta
Jurnal AKAL: Abdimas dan Kearifan Lokal Vol. 6 No. 2 (2025): Jurnal AKAL : Abdimas dan Kearifan Lokal
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/akal.v6i2.21921

Artikel ini membahas peningkatan daya tarik konsumen kaligrafi kertas pelagi dengan melakukan inovasi design yang dikelola oleh Sulistyawati, seorang mahasiswa di UIN Sultan Maulana Hasanuddin Banten. Kaligrafi kertas pelangi, yang menggabungkan warna- warna cerah dengan tulisan artistik, memiliki potensi besar tetapi menghadapi tantangan dalam pemasaran dan persaingan yang ketat di dunia seni. Melalui kegiatan Pengabdian Kepada Masyarakat (PKM), artikel ini mengusulkan strategi pemasaran berbasis desain visual, termasuk pembuatan logo merek dan pengelolaan media sosial yang efektif, khususnya di Instagram. Kegiatan ini dimulai dengan wawancara untuk mengidentifikasi masalah pemasaran yang ada. Hasil dari pelaksanaan menunjukkan peningkatan signifikan dalam penjualan produk kaligrafi kertas pelangi. Dengan pendekatan pemasaran yang lebih terstruktur dan kreatif, diharapkan produk ini dapat lebih dikenal dan dihargai oleh masyarakat, terutama di kalangan generasi muda yang tertarik pada seni dan budaya.

TRANSAKSI E-COMMERCE DENGAN METODE COD: Analisa Fiqh Muamalah terhadap Potensi Ketidakjelasan (Gharar) Murniasih, Murniasih; Sabillah, Nurul; Alfiyanti, Devi; Suryani, Suryani; Humaemah, Ratu; Azim, Muhamad Fadli; Setiadi, Rezky Mehta
SOSEBI: Jurnal Penelitian Mahasiswa Ilmu Sosial Ekonomi dan Bisnis Islam Vol. 5 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/sosebi.v5i2.11402

Abstrak: Penelitian ini bertujuan untuk mengevaluasi kesesuaian sistem pembayaran Cash on Delivery (COD) di Shopee dengan prinsip-prinsip fiqh muamalah, khususnya dalam aspek keadilan, transparansi dan kepastian transaksi. Penelitian ini juga menelusuri dan menganalisis potensi unsur gharar (ketidakpastian) yang mungkin muncul dalam transaksi COD. Pendekatan yang digunakan adalah deskriptif kualitatif dengan metode studi literatur (library research). Data diperoleh dari berbagai sumber sekunder diantaranya artikel jurnal ilmiah metode COD dalam konteks modern. Hasil penelitian menunjukkan bahwa transaksi COD berpotensi mengandung unsur gharar apabila prosedur transaksi tidak jelas dan transparan. Penerapan prinsip keadilan, transparansi dan saling percaya antara penjual dan pembeli menjadi sangat penting. Langkah praktis yang disarankan antara lain verifikasi data, penggunaan jasa pengiriman terpercaya, serta kesepakatan syarat dan ketentuan yang jelas sebelum transaksi dilakukan. Temuan ini menunjukkan bahwa sistem COD dapat dijalankan secara halal dan sesuai syariat Islam jika prinsip-prinsip fiqh muamalah diterapkan secara konsisten. Oleh karena itu, pemahaman dan penerapan transaksi yang adil dan transparan sangat penting bagi pelaku e-commerce dan konsumen untuk mencegah gharar, penipuan dan potensi konflik di masa mendatang. Kata Kunci: gharar; pembayaran COD; fiqh muamalah. Abstract: This study aims to evaluate the compliance of Shopee's Cash on Delivery (COD) payment system with the principles of fiqh muamalah, particularly in terms of justice, transparency, and transaction certainty. The research also investigates and analyzes potential elements of gharar (uncertainty) that may arise in COD transactions. A qualitative descriptive approach was employed using a literature study method. Data were obtained from various secondary sources, including scholarly journal articles on COD methods in the modern context. The findings indicate that COD transactions may contain elements of gharar if the transaction procedures are unclear and non-transparent. The application of justice, transparency, and mutual trust between sellers and buyers is therefore crucial. Practical recommendations include data verification, the use of reliable delivery services, and clear agreements on terms and conditions prior to the transaction. These findings suggest that the COD system can be implemented in a halal manner and in accordance with Islamic law if the principles of fiqh muamalah are consistently applied. Therefore, understanding and implementing fair and transparent transactions are essential for e-commerce actors and consumers to prevent gharar, fraud and potential future conflicts. Keywords: gharar; COD payment; fiqh muamalah

Sustainability issues in the student business incubators program Amizuar, Sabilil Hakimi; Setiadi, Rezky Mehta; Suryahadikusumah, Ahmad Rofi
Priviet Social Sciences Journal Vol. 6 No. 1 (2026): January 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v6i1.1085

The success of a business incubator is not only measured by the number of business groups born, but also by the ability of the business to survive, adapt, and grow sustainably in the midst of market dynamics. This study aims to provide a comprehensive understanding of the factors that affect the sustainability of student startups through university-owned business incubators. The Systematic Literature Review (SLR) method was used to examine sustainability issues in student business incubators, with the following inclusion criteria: 1) articles edited by SINTA and Scopus, 2) publication period 2014–2024, 3) focus on the context of business incubators in higher education, and 4) evaluation results of the business incubator program. The results of the study show that student business sustainability needs to be supported by business incubators with 1) social orientation and non-commercial added value, 2) strengthening the business ecosystem, mentoring, and digitalization, 3) sustainable knowledge transfer, and 4) institutional support in downstream innovation strategies.

Pelatihan Phsycological First Aid (PFA) untuk Meningkatkan Skill Konseling Mahasiswa Bimbingan Konseling Islam Sari, Melly Novita; Haq, Baiq Aida Islahul; Amelia, Yessi Arba; Septarinjani, Hernindya; Suryani; Fahrurrozi; Sukirno, Agus; Furqonuddin, Asep; Itang; Humaemah, Ratu; Marfu’ah, Siti; Jamaluddin; Azim, Muhamad Fadli; Setiadi, Rezky Mehta
PROGRESIF: Jurnal Pengabdian Komunitas Pendidikan Vol. 6 No. 1 (2026)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36406/progresif.v6i1.45

The campus environment often exposes students to academic, social, andpersonal pressures that can af ect their mental health. As a result, peer counseling becomes anessential approach to support students facing psychological dif iculties. One key skill in peer counselingis Psychological First Aid (PFA), which provides initial emotional support to individuals experiencing psychological distress. This PFA training was conducted for third-semester BKI students to enhance their ability to provide psychological support based on Islamic principles. The method used in this activity combines a literature-based socialization approach with practical exercises through seminars, discussions, and counseling simulations. The results show that while participants understood PFA theory well, some still faced dificulties in applying the techniques, especially in formulating the right questions as counselors. In conclusion, furthertraining is needed to strengthen the application of these counseling skills.

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