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All Journal JSEH (Jurnal Sosial Ekonomi dan Humaniora) 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 al-Afkar, Journal For Islamic Studies 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)) Kompleksitas: Jurnal Ilmiah Manajemen, Organisasi, dan Bisnis 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 Equilibrium: Jurnal Ekonomi Syariah Majapahit Journal of Islamic Finance dan Management International Conference on Islamic Economic Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Magister Ekonomi Syariah Majapahit Journal of Islamic Finance dan Management International Journal of Islamic Economics (IJIE) An-Nisbah: Jurnal Ekonomi Syariah Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Bisnis dan Kewirausahaan JPS (Jurnal Perbankan Syariah) Jurnal Ekonomi, Manajemen, Akuntansi Journal of Islamic Economics Share
Andriani Samsuri
Universitas Islam Negeri Sunan Ampel Surabaya
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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Adopsi Financial Technology oleh Bank Syariah Indonesia (BSI) dalam Meningkatkan Inklusi Keuangan Syariah di Era Digital Masyita Auliyah; Andriani Samsuri
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i6.8042

Abstract

The development of financial technology (fintech) has brought about a significant transformation in the global financial industry, including in Indonesia. Bank Syariah Indonesia (BSI) as one of the largest Islamic banks in Indonesia, has adopted fintech to increase Islamic financial inclusion in the digital era. This study aims to analyze how the adoption of fintech by BSI can expand access to Islamic financial services, especially for people in remote areas and MSMEs. The research method used is qualitative descriptive by collecting secondary data from scientific journals, books, and so on. The results of the study show that digital innovations such as BSI Mobile, BSI QRIS, and collaboration with fintech platforms have succeeded in increasing the accessibility of Islamic financial services. BSI's digital transactions reached 97.94%, with ZISWAF transactions through BSI Mobile growing 31% in September 2024. The adoption of fintech by BSI not only increases operational efficiency, but also strengthens Islamic financial literacy and empowers MSMEs and rural communities. Thus, BSI has created an inclusive, accessible, and Islamic financial ecosystem.
Integration of Artificial Intelligence and Blockchain: A Study on the Implementation of Technology for Gharar and Maysir Detection in Islamic Fintech Platforms Fuad, Yahya; Andriani Samsuri; Ubaid Aisyul Hana
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 4: Mei 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i4.16097

Abstract

This study investigates the integration of Artificial Intelligence (AI) and blockchain technology in sharia risk management on Islamic fintech platforms, with a focus on the detection of gharar (excessive uncertainty) and mitigation of maysir (speculation). Employing an exploratory qualitative approach and a multi-source case study design, the research combines systematic literature review and operational document analysis of Islamic fintech platforms. Two technological simulations were conducted: a Random Forest-based model for detecting gharar in peer-to-peer lending transactions and the implementation of Ethereum-based smart contracts to mitigate maysir in mudharabah contracts. The findings demonstrate that the Random Forest model accurately identifies contract uncertainty, while smart contracts enhance transparency, accountability, and fairness in profit-loss distribution. Compliance analysis using the OECD AI Governance, AAOIFI, and ISFIRE frameworks confirms that the integration of AI and blockchain strengthens transaction security, traceability, and sharia compliance. However, successful implementation requires ongoing validation by sharia scholars, continuous system maintenance, and a comprehensive regulatory framework. This research contributes to the development of an efficient, fair, and sharia-compliant fintech ecosystem and offers a technological framework for global adoption by Islamic financial institutions.
Cryptocurrency; Financial Risk And Shariah-Compliant Alternative Concept Iman, Aldi Khusmufa Nur; Samsuri, Andriani
EQUILIBRIUM Vol 10, No 1 (2022): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v10i1.13278

Abstract

Some countries consider cryptocurrencies as an avenue for money laundering and other illegal activities, especially Muslim countries, many of which prohibit the use of cryptocurrencies and even prohibit them. This study aims to identify the specific risks of cryptocurrency investment and to understand the sharia-compliant concept to open opportunities for the Islamic economy in the future. The data collection technique used is literature study by collecting data from previous studies in the form of documenting articles, journals or books as well as publication data from other parties. The data analysis techniques used were data reduction, data presentation, and drawing conclusions. The results show that although cryptocurrencies promise some strengths, in terms of investment there is a risk. Some cryptocurrencies have indeed been developed to address the issue of cryptocurrency non-compliance with Sharia law. Like OneGram, one of the cryptocurrencies that can be classified according to sharia. The alternative concept of sharia cryptocurrency has the potential to build Islamic economic products and have a positive effect on the global economy, especially in the context of welcoming a modern Islamic economic order that is conducive to all circles and the realization of a better future for the Islamic economic community
Good Amil Governance, Digitalization, and Zakat Performance: Evidence from Indonesia Azwar Cholili; Nanang Setiawan; Nur Kholis; Andriani Samsuri; Imam Muslih
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 15 No. 1 (2026): IN PROGRESS
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.0052

Abstract

The sustainability of zakat institutions increasingly depends on their ability to strengthen governance, transparency, and service effectiveness in the digital era. In Indonesia, the rapid development of digital technology has created new opportunities for zakat institutions to improve accountability and institutional performance. This study examines the influence of good amil governance on zakat performance and explores the moderating role of zakat digitalization in Indonesian zakat institutions (Lembaga Amil Zakat/LAZ). A quantitative approach was employed through a survey of LAZ managers across Indonesia, and the data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings show that good amil governance contributes positively to zakat performance, particularly through stronger transparency, accountability, competence, and fairness in zakat management. Zakat digitalization also plays an important role in improving institutional performance by increasing efficiency, reporting accuracy, and stakeholder trust. Furthermore, digitalization strengthens the relationship between governance and zakat performance, indicating that technological capability enhances the effectiveness of governance practices within zakat institutions. The study contributes to the development of Sharia Enterprise Theory and the Technology–Organization–Environment (TOE) framework by emphasizing the strategic role of digital capability in strengthening governance and institutional performance. Practically, the findings encourage zakat institutions to pursue inclusive digital transformation while improving organizational readiness and digital literacy. ABSTRAK - Good Amil Governance, Digitalisasi, dan Kinerja Zakat: Bukti dari Indonesia. Keberlanjutan lembaga zakat semakin dipengaruhi oleh kemampuan institusi dalam memperkuat tata kelola, transparansi, serta efektivitas layanan, khususnya di tengah perkembangan era digital. Di Indonesia, kemajuan teknologi menghadirkan peluang strategis bagi lembaga zakat untuk meningkatkan akuntabilitas sekaligus kinerja kelembagaan. Penelitian ini bertujuan untuk menganalisis pengaruh good amil governance terhadap kinerja zakat serta mengkaji peran moderasi digitalisasi zakat pada Lembaga Amil Zakat (LAZ) di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif melalui survei terhadap pengelola LAZ di berbagai wilayah Indonesia, dengan analisis data menggunakan metode Structural Equation Modeling–Partial Least Squares (SEM-PLS). Hasil penelitian menunjukkan bahwa good amil governance memberikan kontribusi positif terhadap kinerja zakat, terutama melalui penguatan aspek transparansi, akuntabilitas, kompetensi, dan keadilan dalam pengelolaan. Selain itu, digitalisasi zakat terbukti berperan penting dalam meningkatkan kinerja lembaga, khususnya melalui peningkatan efisiensi operasional, akurasi pelaporan, dan kepercayaan pemangku kepentingan. Digitalisasi juga memperkuat hubungan antara tata kelola dan kinerja zakat, yang menunjukkan bahwa kapabilitas teknologi mampu meningkatkan efektivitas implementasi praktik tata kelola. Secara teoretis, temuan ini memperkaya Sharia Enterprise Theory dan kerangka Technology–Organization–Environment (TOE) dengan menegaskan peran strategis kapabilitas digital dalam memperkuat tata kelola dan kinerja lembaga zakat. Secara praktis, penelitian ini mendorong perlunya transformasi digital yang inklusif, disertai peningkatan kesiapan organisasi dan literasi digital pada lembaga zakat.
THE ISLAMIC COMPOUNDING MECHANISMS FOR SUSTAINABLE DEVELOPMENT GOALS AND GREEN FINANCIAL INNOVATION Ahmad Azim Aufaq; Andriani Samsuri
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.904

Abstract

This study examines the compatibility of compounding theory with Islamic investment principles in promoting business sustainability, green transition, and the achievement of the Sustainable Development Goals (SDGs). Using a qualitative-descriptive method and normative legal analysis, it finds that an Islamic Compounding Mechanism (ICM) based on the Base Profit Rate (BPR) can support exponential wealth accumulation without violating core shariah principles, provided it is structured through permissible contracts such as murabaha, musharaka, and mudharaba. The study further highlights that this mechanism can align profit growth with sustainable business practices and environmentally responsible investment. It thus proposes ICM as a practical framework for integrating shariah compliance, ethical wealth creation, and sustainability objectives in contemporary Islamic finance.
Beyond Religiosity: Unpacking the Drivers of Cash Waqf Decisions in Indonesia Ahmad Agus Hidayat; Andriani Samsuri; Mustofa Mustofa; Nurhayati Nurhayati; Muhammad Rizki Ashari
Jurnal Internasional Ekonomi Islam Vol 8 No 01 (2026): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v8i01.13237

Abstract

Objective: This study investigates the determinants of cash waqf decisions among Muslim donors (wakif) in Surabaya, Indonesia, by examining the roles of waqf literacy, income, institutional trust, and altruistic attitudes. Furthermore, it assesses whether religiosity strengthens the relationship between these factors and cash waqf decisions. Method: A quantitative research design was employed using a survey of 350 cash waqf donors in Surabaya. Data were analysed using Structural Equation Modelling–Partial Least Squares (SEM-PLS) to evaluate both direct and moderating effects among the proposed variables. Result: The findings reveal that waqf literacy and institutional trust have a positive and significant influence on cash waqf decisions. In contrast, income and altruistic attitudes do not significantly affect the decision to participate in cash waqf. The results also indicate that religiosity does not moderate the relationships between waqf literacy, income, institutional trust, altruistic attitudes, and cash waqf decisions. Implication: The study highlights the importance of strengthening waqf literacy programs and improving institutional professionalism, transparency, and accountability to enhance public participation in cash waqf. Waqf institutions should prioritise trust-building mechanisms rather than relying solely on religious appeals in fundraising strategies. Originality or Novelty: This study extends the application of the Theory of Planned Behaviour (TPB) to Islamic social finance by examining actual cash waqf decisions rather than behavioural intentions. It also contributes to the literature by testing religiosity as a moderating variable and providing empirical evidence from Surabaya, a newly designated waqf city in Indonesia.
THE ISLAMIC COMPOUNDING MECHANISMS FOR SUSTAINABLE DEVELOPMENT GOALS AND GREEN FINANCIAL INNOVATION Ahmad Azim Aufaq; Andriani Samsuri
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.904

Abstract

This study examines the compatibility of compounding theory with Islamic investment principles in promoting business sustainability, green transition, and the achievement of the Sustainable Development Goals (SDGs). Using a qualitative-descriptive method and normative legal analysis, it finds that an Islamic Compounding Mechanism (ICM) based on the Base Profit Rate (BPR) can support exponential wealth accumulation without violating core shariah principles, provided it is structured through permissible contracts such as murabaha, musharaka, and mudharaba. The study further highlights that this mechanism can align profit growth with sustainable business practices and environmentally responsible investment. It thus proposes ICM as a practical framework for integrating shariah compliance, ethical wealth creation, and sustainability objectives in contemporary Islamic finance.
Co-Authors Abu Yasid Achmad Room Fitrianto Ahmad Agus Hidayat Ahmad Azim Aufaq Ahsan, Muhamad Aidah Kamaliah Al Berto, Muhammad Al-farisy, Muhammad Daffa Al-Kamal, Abdullah Muhammad Aldi Khusmufa Nur Iman Alfiyah, Fitri Nurul Amilis Kina Ana Toni Roby Candra Yudha Andri Afianto Anisa Solikhawati Anshori ARDIANSYAH, JEFRI AS, Fathor Ayu Rahayu Nurhalizah Azwar Cholili Bambang Hidayat Betty Silfia Devira Al Azroh Dita Nur Amaliatul Chusniah Eka Nurjannah EKA VIRAWATI Elissa Qathrunnada Farida, Alimatul Fathor AS Fatimatul Fatmariyah Fatmariyah, Fatimatul Febiola Bunga Asprila Feren Eki P. H Firdayanti Hadiansyah Fuad, Yahya Hanafi Adi Putranto Hidayah, Fitri Naila Imam Muslih Imran Arshad Kamila, Niswa Khoyyilah, K Lilik Rahmawati Ma'aliy, Moh. Bustanul Farihin Mansur Mansur Masyita Auliyah Mohammad Salman Alfarizi Muchammad Saifuddin Mufti Afif Muhamad Abrar bin Bahaman Muhammad Rizki Ashari Muhammad Widyarta Wijaya Muhammad Yazid Muhammad Yazid Mustofa Mustofa Nanang Setiawan Nisa', Rifqun Nisful Lailatul U. Nizar Hosfaikoni Hadi Nur Kholis Nur Syam Nurhayati Nurhayati Nurhayati Nurul Fithrotuz Z Putri, Fitriani Wijaya Rachma Indrarini Ramadanti, Firda Gangsar Rendra Erdkhadifa Rifqun Nisa' Room Fitrianto, Achmad Sari, Dia Nur Avita Siti Alfia Ayu Rohmayanti Solikhawati, Anisa Syafiratud Daniyas Tantriana, Deasy Ubaid Aisyul Hana Ulfa Vadhila VIRAWATI, EKA Wahyu Prihatanti, Vidya Wijaya, Khandi Tungga zulfa, indana