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All Journal EQUILIBRIUM WARTA Jurnal Ekonomi Syariah Teori dan Terapan An-Nisbah: Jurnal Ekonomi Syariah MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam al-Uqud : Journal of Islamic Economics BBM (Buletin Bisnis dan Manajemen) Jurnal Public Policy El-Barka: Journal of Islamic Economics and Business Jurnal Ilmiah Edunomika (JIE) Dialektika: Jurnal Ekonomi dan Ilmu Sosial Management Studies and Entrepreneurship Journal (MSEJ) ASEAN Journal of Community Engagement JES (Jurnal Ekonomi Syariah EKOMABIS: Jurnal Ekonomi Manajemen Bisnis Jurnal Manajemen dan Inovasi (MANOVA) Management of Zakat and Waqf Journal (MAZAWA)) Cakrawala: Jurnal Studi Islam Labatila: Jurnal Ilmu Ekonomi Islam BULETIN BISNIS & MANAJEMEN (BBM) Buletin Abdi Masyarakat (BAM) Jurnal Ilmiah Fokus Ekonomi, Manajemen, Bisnis & Akuntansi (EMBA) EKOBIS SYARIAH Bukhori: Kajian Ekonomi dan Keuangan Islam Warta LPM International Conference on Islamic Economic Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah An-Nisbah: Jurnal Ekonomi Syariah Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Bisnis dan Kewirausahaan JPS (Jurnal Perbankan Syariah)

Andriani Samsuri

Universitas Islam Negeri Sunan Ampel Surabaya

Author-ID : 1989976

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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PENGARUH STORE IMAGE, ONLINE CUSTOMER REVIEW DAN PROMOSI TERHADAP KEPUTUSAN PEMBELIAN PADA MARKETPLACE SHOPEE DENGAN MINAT BELI SEBAGAI VARIABEL INTERVENING (Studi pada Mahasiswa UIN Sunan Ampel Surabaya) VIRAWATI, EKA; SAMSURI, ANDRIANI
BBM (Buletin Bisnis & Manajemen) Vol 6, No 2 (2020): Volume 6, No. 02, 2020
Publisher : Sekolah Tinggi Ilmu Ekonomi YPPI Rembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47686/bbm.v6i2.302

used was quantitative with probability sampling with a sample selection technique taken randomly as many as 200 students of UIN Sunan Ampel Surabaya who become consumers or users of the Shopee marketplace. The analytical method was the T test, the coefficient of determination and path analysis. The results of this study indicated that partially / individually variable store images, online customer reviews and promotions had a significant effect on purchasing decisions at the Shopee marketplace. Therefore the store image variable, online customer reviews and promotions through purchase intention also had a positive and significant influence on purchasing decisions at the Shopee marketplace.

Asset Based Village Development, A Good Practice from Desa Banyuurip Ujungpangkah, Kabupaten Gresik in Maintenance Mangrove Area as Touris Destination Fitrianto, Achmad Room; Samsuri, Andriani
WARTA LPM WARTA LPM, Vol. 25, No. 1, Januari 2022
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/warta.v25i1.17985

This study analyses the effort of the Banyuurip village in enhancing their potencies and asset in preserving mangrove area. The purpose of this writing to portray the involvement of the youth in sustains local tourism development. The parameters used to determine the degree of public participation in the development planning phase are the involvement in problem identification, objective formulation, and decision making related to the development of the local tourist attraction.Â This paper analysed the five strategies of Banyuurip village government and their counterpart in creating sustainable tourism system. The SWOT analyses employ to analyse the five elements of strategies in creating sustainable tourism system. This approach is believed able to provide an holistic analysis in Community Based Tourism (CBT) development. The problems faced by the Banyuurip tourism community in managing their local tourist destination are lack of adequate human resources, limited of public facilities, limited financial support, lack of regulation that support the CBT, inter-organizational coordination problems, conflict of interest among group of community, and property ownership. This writing found that the position of the village leader both formal and informal leader is significant in CBT Development. However, the sustainable tourism it self requires the government political will in the development of CBT.

THE EFFECT OF MUDHARABAH FINANCING ON CUSTOMERS OF MSME OWNERS IN TERMS OF THE ECONOMIC CHANGES Febiola Bunga Asprila; Andriani Samsuri; Ana Toni Roby Candra Yudha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 (2021): Mei-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20213pp305-317

ABSTRAKTujuan penelitian ini adalah untuk mengetahui pengaruh pembiayaan mudharabah terhadap perubahan ekonomi nasabahnya melalui empat aspek yaitu aset usaha, omzet usaha, pendapatan usaha, dan laba usaha. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif. Sumber dan jenis data diperoleh dari teknik wawancara, observasi dan dokumentasi kepada tujuh nasabah pembiayaan mudharabah, pihak pemerintah Desa Berbek, pihak BMT PUMA dan masyarakat sekitar. Data terkumpul kemudian dianalisis menggunakan teknik reduksi data dengan hasil penelitian yang disajikan dengan tabel, grafik, dan deskripsi. Hasil penelitian ini menyimpulkan bahwa UMKM mengalami perubahan ekonomi positif yakni mengalami peningkatan berupa aset usaha mencapai 90%, peningkatan omzet usaha mencapai 233,33%, peningkatan pendapatan usaha mencapai 233,33%, dan peningkatan laba usaha mencapai 150%. Namun masih ditemukan nasabah yang menggunakan sebagian dana pembiayaan untuk membayar hutang, membayar sekolah anak, dan kebutuhan lain. BMT PUMA memberikan kepercayaan penuh kepada nasabah tanpa melakukan pengawasan usaha. Saran yang relevan dengan hasil penelitian yaitu nasabah diharapkan lebih amanah dalam menggunakan dana pembiayaan mudharabah, selain itu BMT PUMA sebaiknya lebih tegas dalam mengawasi penggunaan dana pembiayaan mudharabah pada nasabah. Kata Kunci: BMT, UMKM, Mudharabah, Perubahan Ekonomi. ABSTRACTThis research is qualitative research that aims to know the influence of mudharabah financing on the economic changes of its costomers through four aspects, such as business assets, business turnover, business income, and business profit. The technique of data retrieval are interviews, observation, and documentation to seven mudharabah financing costomers, Berbek Government, BMT PUMA members, and local society. Data collected then analyzed by reduction data technique with the research result presented by tables, graphics, and description. The result of this study concludes that Small Micro Enterprises (SME’s) experiencing positive economic changes that experienced an increase in the form of business assets reached 90%, increase in business turnover reached 233,33%, increase in business income reached 233,33%, and increase in business profit 150%. But there were still customers who used part of their financing funds for other needs. BMT PUMA gives full trust to customers without monitoring their business. Suggestions that are relevant to the research result is customers are expected to be more trustworthy in using mudharabah financing funds. Moreover, BMT PUMA should be more assertive in overseeing mudharabah financing funds on customers.Keywords: Baitul Maal Wattamwi, SME’s, Mudharabah, Economic changes.DAFTAR PUSTAKAAdinugraha, H. H., Sartika, M., & Ulama’i, A. H. A. (2019). Halal lifestyle di Indonesia. An-Nisbah: Jurnal Ekonomi Syariah, 5(2), 57-81. https://doi.org/10.21274/an.2019.6.1.57-81Ali, W., Muthaly, S., & Dada, M. (2018). Adoption of shariah compliant peer-to-business financing platforms by SMEs: A conceptual strategic framework for fintechs in Bahrain. International Journal of Innovative Technology and Exploring Engineering, 8(2S2), 2278-3075.Bronson, K., & Knezevic, I. (2019). The digital divide and how it matters for Canadian food system equity. Canadian Journal of Communication, 44(2), 63–68. https://doi.org/10.22230/cjc.2019v44n2a3489Dewi, L., Hanik, U., Awwaliah, H., & Yudha, A. T. R. C. (2021). Determinan harga dan potensi sampah sebagai sumber modal ekonomi di bank sampah syariah UINSA Surabaya. Nomicpedia: Journal of Economics and Business Innovation, 1(1), 14–26.Fatmawati, A., Yudha, A. T. R. C., & Syafaq, H. (2020). Kontrak kerja dan kesejahteraan ABK nelayan perspektif etika bisnis Islam di Sarangmerduro, Jawa Tengah. Nukhbatul ’Ulum: Jurnal Bidang Kajian Islam, 6(2), 298–313. https://doi.org/10.36701/nukhbah.v6i2.240Ghafar, A., & Tohirin, A. (2010). Islamic law and finance. Humanomics, 26(3), 178–199. https://doi.org/10.1108/08288661011074954Habibi, M. L., & Yudha, A. T. R. C. (2017). Membangun integrated takaful dan wakaf model dalam upaya meningkatkan kemanfaatan pemegang polis. Al-Uqud : Journal of Islamic Economics, 1(2), 139. https://doi.org/10.26740/jie.v1n2.p139-155Hilmy, M. (2015). The political economy of sunni-shi’ah conflict in Sampang Madura. Al-Jami’ah, 53(1), 27–51. https://doi.org/10.14421/ajis.2015.531.27-51Isbah, M. F. (2019). How is social capital converted to be economic capital? A case study from pesantren’s socio-economic projects. Al-Izzah: Jurnal Hasil-Hasil Penelitian, 14(1), 18. https://doi.org/10.31332/ai.v14i1.1240Kasdi, A. (2016). Filantropi Islam untuk pemberdayaan ekonomi umat (Model pemberdayaan ZISWAF di BMT Se-Kabupaten Demak). IQTISHADIA Jurnal Kajian Ekonomi Dan Bisnis Islam, 9(2), 227. https://doi.org/10.21043/iqtishadia.v9i2.1729Majid, R., & Agassi, B. A. (2017). HASBLE Card: Innovation on company funding using shari’ah venture capital toward halal industry in Indonesia. Journal of Islamic Finance, 6(Special Issue), 242–256. https://doi.org/10.12816/0047352Mardiyah, A., & Ryandono, M. N. H. (2016). Sistem tanggung renteng pada koperasi assakinal sebagai bentuk penerapan konsep ta’awun. 2(1), 79–94. https://doi.org/10.20473/vol7iss20202pp372-388Mohd Nawawi, M. S. A., Abu-Hussin, M. F., Faid, M. S., Pauzi, N., Man, S., & Mohd Sabri, N. (2019). The emergence of halal food industry in non-Muslim countries: A case study of Thailand. Journal of Islamic Marketing, 11(4), 917-931. https://doi.org/10.1108/JIMA-05-2018-0082Nusa, A. T. S., & Khoirudin, R. (2020). Analisis determinan PAD sub-sektor pariwisata di DIY tahun 2012-2017. Journal of Economics Development Issues (JEDI), 3(1), 1–13. https://doi.org/https://doi.org/10.33005/jedi.v3i01.45Ozili, P. K. (2019). Non-performing loans in European systemic and non-systemic banks. Journal of Financial Economic Policy, 12(3), 409-424. https://doi.org/10.1108/JFEP-02-2019-0033Pratama, S. D., & Rahadiana, R. (2020). Muzakki potentials’ role in alleviating poverty (Study case in Aceh). International Journal of Islamic Economics and Finance (IJIEF), 3(1), 95–120. https://doi.org/10.18196/ijief.2123Priyono, S. (2017). Zakat sebagai instrumen dalam kebijakan fiskal. Al Mashlahah Jurnal Hukum Dan Pranata Sosial Islam, 1(2), 125–142. http://dx.doi.org/10.30868/am.v1i02.145Reginald, A. R., & Mawardi, I. (2015). Kewirausahaan sosial pada pondok pesantren sidogiri Pasuruan. Jurnal Ekonomi Syariah Teori dan Terapan, 1(5), 333–345. http://dx.doi.org/10.20473/vol1iss20145pp333-345Ryandono, M. N. H., & Ridlwan, A. A. (2020). Solution for Islamic banks exploitation: A criticism of fixed-yields based financing in Indonesia. Al-Uqud: Journal of Islamic Economics, 4(1), 48–68. https://doi.org/10.26740/al-uqud.v4n1.p48-68Sari, F. K., Safitri, N., & Anggraini, W. (2019). Persepsi, sikap dan minat pariwisata halal di daerah istimewa Yogyakarta. Ihtifaz: Journal of Islamic Economics, Finance, and Banking, 2(2), 137. https://doi.org/10.12928/ijiefb.v2i2.857Syamsuddin, S. (2019). Manajemen sumber daya manusia pada ikatan muballigh Sulawesi Tenggara (Imsultra). Al-Izzah: Jurnal Hasil-Hasil Penelitian, 14(1), 136-153. https://doi.org/10.31332/ai.v14i1.1294Umar, A., & Aliyu, S. (2019). Sukuk: A veritable tool for effective waqf fund management in Nigeria. Iqtishadia, 12(1), 1-11. https://doi.org/10.21043/iqtishadia.v12i1.4618Yudha, A. T. R. C., & Muizz, A. (2020). Optimalisasi potensi lahan pertanian untuk ketahanan pangan di Kecamatan Panceng, Gresik, Jawa Timur. Journals of Economics Development Issues (JEDI), 3(2), 297–308. https://doi.org/https://doi.org/10.33005/jedi.v3i2.55Yudha, A. T. R. C., Ryandono, M. N. H., Rijal, A., & Wijayanti, I. (2020). Financing model to develop local commodity business of East Java in Maqashid Syariah perspective. Test Engineering and Management, 83(3590), 3590–3595.Zustika, A. F., & Yudha, A. T. R. C. (2020). Peer to peer lending system in hifdul maal perspective: Evidence from the fintech company of Investree. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(8), 1585–1597. https://doi.org/10.20473/vol7iss20208pp1584-1597

Analisis Literasi Keuangan Syariah pada Pemberdayaan Ekonomi UMKM Binaan Bank Indonesia Kantor Wilayah Jawa Timur Siti Alfia Ayu Rohmayanti; Andriani Samsuri; Achmad Room Fitrianto
Muslim Heritage Vol 6, No 2 (2021): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v6i2.3131

AbstractThe lack of understanding of SMEs on financial management led to a lack of clear and unstructured financial statements and impacted the stalled expansion of SMEs. This needs to be done in a particular study related to financial literacy. This study aims to analyze the level of Islamic financial literacy by understanding financial knowledge, financial attitude and financial behavior in SMEs assisted by Bank Indonesia Regional Representative Office of East Java. The data is qualitatively descriptively studied with a naturalistic approach. Data collection is conducted by interviewing informants and Bank Indonesia East Java Representative Office in charge of the empowerment function of SMEs. The research results obtained are an understanding of the factors that influence MSMEs to know and practice the science of Sharia financial literacy which is also part of Bank Indonesia's mission in the Sharia Economic and Financial Blueprint. To improve sharia financial literacy and make it easier for SMEs to increase their business to achieve an empowered economy. In addition, the application of Sharia financial literacy is not only in terms of knowledge about Islamic financial institutions but also in business beliefs and behaviors, especially financial management based on Shariah. So that the thing that needs to be focused on in the empowerment of sharia financial literacy of SMEs is the habituation factor and the improvement of mindset. Because economic empowerment is not only about product improvement and marketing but also in terms of financial literacy, especially Sharia financial literacy. Abstrak Minimnya uraian UMKM terhadap pengelolaan keuangan menimbulkan kurang jelas serta tidak terstrukturnya laporan keuangan dan berakibat pada terhambatnya perluasan UMKM. Perihal ini butuh dicoba kajian eksklusif berkaitan dengan literasi keuangan. Kajian ini memiliki tujuan guna melaksanakan analisis tingkatan literasi keuangan syariah lewat uraian financial knowledge, financial attitude serta financial behavior kepada UMKM yang dibina oleh Bank Indonesia Kantor Wilayah Jawa Timur. Informasi dikaji secara kualitatif deskriptif dengan pendekatan naturalistik. Pengumpulan informasi dicoba dengan mewawancarai informan dan dari pihak Bank Indonesia Kantor Perwakilan Jawa Timur yang bertugas pada tugas pemberdayaan UMKM. Hasil riset yang diharapkan yakni menciptakan jawaban menimpa aspek yang pengaruhi UMKM guna lebih paham terhadap literasi keuangan syariah, perihal ini sesuai misi Bank Indonesia yang tertulis di Cetak Biru Ekonomi serta Keuangan Syariah sehingga UMKM mampu memperkuat daya saing. Dalam menerapan literasi keuangan syariah tidak hanya perihal pengetahuan lembaga keuangan syariah melainkan juga mengenai rasa percaya serta perilaku utamanya dalam hal pengelolaan keuangan berdasarkan ketentuan syariah. Oleh karena itu dalam pemberdayaan literasi keuangan syariah ini UMKM perlu fokus pada faktor pembiasaan perilaku dan perbaikan mindset mengenai literasi keuangan khususnya literasi keuangan syaria

The Concept of Hedging Instrument Forward In Islamic Economic Perspective Bambang Hidayat; Ayu Rahayu Nurhalizah; Andriani Samsuri; Eka Nurjannah
JES (Jurnal Ekonomi Syariah) Vol 7, No 1 (2022): Maret
Publisher : Universitas Islam Lamongan

This research aims at explaining more in-depth about Islamic hedging related to the problem of muwa’adah status in Islamic hedging. The use of muwa’adah as an Islamic hedging instrument which promises to carry out transactions in the future, actually still becomes a subject of debate since there are some different opinions about whether or not it is permissible to carry out the concept of muwa’adah in a transaction. This research is descriptive qualitative research and uses qualitative data analysis, by conducting a direct analysis of the hedging scheme through the process of data reduction, data display, and verification. The results of this study reveal that in sharia hedging, swap and forward contracts should not be used, because swaps and forwards contain elements of usury. While the option contract contains speculation (maysir). If the forbidden aspects (haram) in ‘forward’ and ‘swap’ instruments are analyzed, generating al-sharf al-ajil and maysir (khathar/speculation), then the alternatives are 1) forward agreement by way of a price-fixing agreement; 2) bay’ al-iltizam; 3) bay’ al-‘urbun; and 4) al-bay’ bi al-shart.

PENGARUH STORE IMAGE, ONLINE CUSTOMER REVIEW DAN PROMOSI TERHADAP KEPUTUSAN PEMBELIAN PADA MARKETPLACE SHOPEE DENGAN MINAT BELI SEBAGAI VARIABEL INTERVENING (Studi pada Mahasiswa UIN Sunan Ampel Surabaya) EKA VIRAWATI; ANDRIANI SAMSURI
BBM (Buletin Bisnis & Manajemen) Vol 6, No 2 (2020): Volume 6, No. 02, 2020
Publisher : Sekolah Tinggi Ilmu Ekonomi YPPI Rembang

PENDEKATAN ABCD UNTUK MENINGKATKAN LITERASI DI MADRASAH Andriani Samsuri; Nisful Lailatul U.; Nurul Fithrotuz Z; Feren Eki P. H; Ulfa Vadhila
Buletin Abdi Masyarakat Vol 1, No 2 (2021): Edisi Februari 2021
Publisher : Universitas YPPI Rembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (856.521 KB)

The purpose of literacy KKN with the ABCD approach was to help make changes in schools through the preparation of literacy programs or activities to increase reading interest as well as to increase knowledge or insight in madrasah. In addition, this activity was expected to help increase reading interest and literacy culture in madrasah and later, turn Surabaya into a literacy city. Limited resources and low participation in the learning process lead to low literacy of madrasah students. However, efforts to improve the education process are not only left to schools or the government, but other elements of society also need to be involved. This engagement process was not sufficient with the ABCD approach but requires the participation of the parties concerned, with the hope they can independently make these changes in the future. Change can be made through creativity and innovation. In this case, creativity and innovation are absolutely necessary so that the learning process is fun and increases interest in reading and writing.Keywords: Literacy, ABCD Approach, Participation

Employment Regulations and Creation of Skilled Manpower in Industry in East Java Province Achmad Room Fitrianto; Andriani Samsuri; Betty Silfia; Aidah Kamaliah; Firdayanti Hadiansyah; Andri Afianto
Jurnal Public Policy Vol 8, No 4 (2022): October
Publisher : Universitas Teuku Umar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35308/jpp.v8i4.5511

The purpose of this study is to further analyze the effect of labor regulations in Indonesia on the provision of skilled labor and encourage entrepreneurs to provide labor in Indonesia to improve export quality. This research uses mixed methods, with a combination of qualitative and quantitative methods to be able to provide results and descriptions related to the influence of labor regulations on workforce creation. This study underscores three important things. First, the understanding of business actors towards labor regulations is still low, and some do not yet know it. Second, the limited capacity of business actors (funds, time, and experts) to conduct intensive and unique training in obtaining skilled workers. Third, the government's attention to labor regulations is still relatively low. So far, the routine is the determination of the UMK every year. Overall, this study observes that no derivative regulations are applied at the local level in creating skilled workers, which causes employers to seek to provide skilled workers with available resources.

THE EFFECT OF INVESTMENT KNOWLEDGE ON STUDENT'S INTEREST IN INVESTING SHARIA SHARE Erdkhadifa, Rendra; Kina, Amilis; Samsuri, Andriani
An-Nisbah: Jurnal Ekonomi Syariah Vol 9 No 1 (2022): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v9i1.5367

Investment can be interpreted as an activity to invest in both money and objects in an object with the aim of obtaining profits over a certain period. Investment decisions are a very important decision in investing, where in order to get a profit we have to deal with risk, therefore investors must evaluate the relationship between return and risk. This type of research is associative. The data used is primary data obtained through the dissemination of questionnaires to 264 student respondents of the Sharia Economic Law study program of the Faculty of Sharia and legal sciences UIN SATU Tulungagung. The sampling method used by researchers in each study program is proportionate stratified random sampling. The results show that the coefficient value of the variable parameters of investment knowledge is 1.61 which means that any increase in the value of knowledge or understanding of investment will increase one's interest. in investing. This means that there is a positive linear relationship between one's knowledge and one's interest in making investments. The higher the knowledge a person knows investing, the higher one's interest in investing. The result of measuring the goodness of the model is to use the value of the coefficient of determination R2 which shows a number of 48.6%. The value can be interpreted that the model is able to explain the actual condition of only 48.6% where the remaining 51.4% of a person's interest in investing is influenced by other variables outside the investment knowledge variable..

Integration of Fintech and Islamic Banking in Indonesia: Opportunities and Challenges Mufti Afif; Andriani Samsuri
Cakrawala: Jurnal Studi Islam Vol 17 No 1 (2022)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/cakrawala.7051

This paper is intended to analyze the opportunities and challenges of collaboration between the fintech industry and Islamic banking in Indonesia. This research is a descriptive qualitative study of literature review, by collecting information, identifying problems, and making evaluations. Data analysis using SWOT platform. The results of the study show there are opportunities, that the digitalization system in Indonesia is developing very quickly, so that it can be used as a means to improve services in Islamic banking. In this way, Islamic Bank services can reach remote areas, reduce costs, and increase the Islamic financial inclusion. The biggest challenge is related to regulators. The Indonesian, which is predominantly Muslim, requires definite sharia rules regarding services at several types of fintech, which until now do not have a sharia fatwa. Fintech will continue to develop, or contrary, Islamic fintech may sink and be replaced by other technological innovations.

Co-Authors Abu Yasid Achmad Room Fitrianto Ahmad Agus Hidayat Ahsan, Muhamad Aidah Kamaliah Al-Kamal, Abdullah Muhammad Aldi Khusmufa Nur Iman Alfarizi, Mohammad Salman Alfiyah, Fitri Nurul Ana Toni Roby Candra Yudha Andri Afianto Anisa Solikhawati ARDIANSYAH, JEFRI AS, Fathor Ayu Rahayu Nurhalizah Bambang Hidayat Betty Silfia Dita Nur Amaliatul Chusniah Eka Nurjannah EKA VIRAWATI Elissa Qathrunnada Erdkhadifa, Rendra Fathor AS Fatimatul Fatmariyah Fatmariyah, Fatimatul Febiola Bunga Asprila Feren Eki P. H Firdayanti Hadiansyah Hanafi Adi Putranto Hidayah, Fitri Naila Imran Arshad Kamila, Niswa Khoyyilah, K Kina, Amilis Lilik Rahmawati Mansur Mansur Masyita Auliyah Muchammad Saifuddin Mufti Afif Muhamad Abrar bin Bahaman Muhammad Widyarta Wijaya Muhammad Yazid Muhammad Yazid Nisa', Rifqun Nisful Lailatul U. Nizar Hosfaikoni Hadi Nur Syam Nurhayati Nurhayati Nurul Fithrotuz Z Putri, Fitriani Wijaya Rachma Indrarini Ramadanti, Firda Gangsar Rifqun Nisa' Room Fitrianto, Achmad Siti Alfia Ayu Rohmayanti Solikhawati, Anisa Syafiratud Daniyas Tantriana, Deasy Ulfa Vadhila VIRAWATI, EKA Wahyu Prihatanti, Vidya zulfa, indana

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