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All Journal WARTA Jurnal Ekonomi Syariah Teori dan Terapan An-Nisbah: Jurnal Ekonomi Syariah MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Jurnal Ilmiah Ekonomi Islam al-Uqud : Journal of Islamic Economics al-Afkar, Journal For Islamic Studies Jurnal Tabarru': Islamic Banking and Finance 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)) Indonesian Journal of Islamic Economics and Business 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 Majapahit Journal of Islamic Finance dan Management International Journal of Islamic Economics (IJIE) An-Nisbah: Jurnal Ekonomi Syariah Anjasmoro: Islamic Interdisciplinary Journal Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Bisnis dan Kewirausahaan JPS (Jurnal Perbankan Syariah) Jurnal Ekonomi, Manajemen, Akuntansi Journal of Islamic Economics MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Proceeding of The International Conference on Economics, Accounting, and Taxation
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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Transformasi Digital Keuangan Islam dalam Mendorong Inklusi Keuangan dan Penguatan Ekonomi Syariah Nur Umamah; Andriani Samsuri
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/rj3ds715

Abstract

Advances in digital technology have transformed the way people access, use, and manage financial services. In the context of the Islamic economy, financial digitization presents a significant opportunity to expand the reach of Sharia-compliant financial services, enhance financial literacy and inclusion, and strengthen the halal economic ecosystem. This article aims to analyze the development of digital Islamic finance as a current trend, particularly in digital Sharia banking services, Sharia fintech, the digitization of SME financial record-keeping, digital cash waqf, and financial product innovations based on Sharia maqashid. The method used is descriptive qualitative research with a literature review approach through the examination of various relevant scientific journals and books. The results of the discussion indicate that digital Islamic finance plays a crucial role in enhancing public access to Sharia financial services, particularly for the younger generation, SME operators, the agricultural sector, and communities not yet reached by formal financial services. However, the development of digital Islamic finance also faces challenges, such as low Sharia financial literacy, digital security risks, compliance with Sharia principles, and the need for adaptive regulations. Therefore, synergy between Sharia financial institutions, regulators, academics, industry players, and the public is essential to ensure that digital transformation proceeds in accordance with Islamic values and provides widespread benefits.
A Literature Review on Takaful’s Evolution with Blockchain: Challenges and Opportunities Marrisa Andinarianti; Andriani Samsuri
Indonesian Journal of Islamic Economics and Business Vol. 11 No. 1 (2026): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v11i1.6104

Abstract

This literature review explores the evolution of Takaful, an Islamic insurance model based on mutual cooperation and shared responsibility, and its integration with blockchain technology. Takaful has experienced significant growth over the past few decades, driven by the increasing demand for Sharia-compliant financial solutions. However, the industry faces challenges such as lack of transparency, operational inefficiencies, and high administrative costs. Blockchain technology, with its characteristics of immutability, transparency, and decentralization, presents opportunities to address these challenges by enhancing operational efficiency, improving transparency, and reducing fraud. This review synthesizes existing research on the intersection of Takaful and blockchain, highlighting the historical roots of Takaful, the impact of blockchain on its operations, and the regulatory, technical, and socio-cultural challenges that accompany this integration. The findings underscore the potential of blockchain to revolutionize the Takaful industry while emphasizing the need for further research to navigate the complexities of implementation and ensure compliance with Islamic principles.
REGULATING GOOD COPORATE GOVERNANCE (GCG) IN ISLAMIC DEFI PLATFORMS : PRINCIPLES, CHALLENGES, AND POLICY RECOMMENDATIONS Putra, Grand Colin Amdhana Priin; Samsuri, Andriani
Jurnal Tabarru': Islamic Banking and Finance Vol. 9 No. 1 (2026): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2026.vol9(1).28020

Abstract

Penelitian ini mengkaji regulasi Tata Kelola Perusahaan yang Baik (TKP) pada platform Keuangan Terdesentralisasi (DeFi) syariah, dengan mengeksplorasi prinsip-prinsip, tantangan, dan implikasi kebijakan di persimpangan antara keuangan syariah, tata kelola perusahaan, dan teknologi blockchain. Penelitian ini mengidentifikasi adaptasi kerangka kerja TKP tradisional yang dirancang untuk lembaga keuangan syariah terpusat terhadap sifat DeFi yang terdesentralisasi dan algoritmik, guna memastikan kepatuhan terhadap syariah dan perlindungan pemangku kepentingan. Dengan menggunakan tinjauan literatur tematik atas artikel jurnal internasional, pedoman regulasi, dan dokumen kebijakan (2021–2026) mengenai GCG dalam keuangan Islam, fintech, dan DeFi, serta analisis konseptual terhadap mekanisme yang sesuai syariah, studi ini mengungkapkan bahwa GCG dalam DeFi Islam memerlukan penataan ulang transparansi, akuntabilitas, kepatuhan syariah, dan pengawasan algoritmik, yang didasarkan pada prinsip-prinsip yang berorientasi pada maqasid. Hal ini tidak dapat langsung ditransplantasikan dari model perbankan syariah konvensional. Regulasi yang efektif menuntut kerangka kerja hibrida yang mengintegrasikan pengawasan syariah independen, alat audit digital, dan koordinasi lintas yurisdiksi, yang memberikan penyempurnaan teoretis dan panduan praktis bagi regulator, lembaga, dan pengembang.
Analisis Kepatuhan Syariah E-Wallet Dana Berdasarkan Fatwa DSN-MUI No. 116/2017 Yayuk Nailis Syarifatus Sa’diyah; Andriani Samsuri
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/ys7wvd23

Abstract

The rapid growth of e-wallet services in Indonesia has increased the need to evaluate their compliance with Islamic financial principles, particularly because most users are Muslims. Although DSN-MUI Fatwa No. 116/DSN-MUI/IX/2017 provides the regulatory framework for sharia-compliant electronic money, its implementation by commercial e-wallet providers remains underexplored. This study employed a descriptive qualitative approach using document analysis of DANA's terms and conditions, Bank Indonesia and Financial Services Authority (OJK) regulations, and the fatwa. The findings indicate that DANA's operations incorporate three Islamic contracts (akad): wadi'ah yad dhamanah for balance custody, wakalah bil ujrah for payment services, and ijarah for platform services. However, compliance gaps remain regarding sharia-compliant float fund placement, the absence of a Sharia Supervisory Board, and partner services based on conventional financing. These findings suggest that DANA has a solid foundation for developing a fully sharia-compliant digital payment ecosystem through stronger governance and institutional compliance. This study contributes to the literature on Islamic financial technology and provides practical recommendations for advancing sharia-compliant digital payment services in Indonesia.
Qardhul Hasan as a Green Financing Instrument for Environmentally Friendly MSMEs Devira Al Azroh; Andriani Samsuri
al-Afkar, Journal For Islamic Studies Vol. 9 No. 1 (2026)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v9i1.1962

Abstract

The rapid development of the global economy can lead to the need for sustainable financing, especially in supporting environmentally friendly Micro, Small, and Medium Enterprises (MSMEs). This study analyzes the potential of qardhul hasan as a social financing instrument in supporting the development of environmentally friendly Micro, Small and Medium Enterprises (MSMEs) in Indonesia and explores the role of Islamic banking in the implementation of green financing. As an interest-free financing scheme, qardhul hasan offers an innovative solution for MSMEs that are constrained from accessing conventional financing due to high interest rates and strict requirements. In the context of green financing, qardhul hasan not only provides more inclusive access to capital but also encourages MSMEs to adopt sustainable business practices. These practices include the use of environmentally friendly technologies, ecological raw materials, as well as better waste management, which directly contribute to the achievement of the Sustainable Development Goals (SDGs), particularly related to climate action and inclusive economic growth. The research uses a qualitative method with a literature study approach to examine the relevance of qardhul hasan in supporting the sustainability agenda. The results show that qardhul hasan not only reduces the financial burden of MSMEs but also allows businesses to focus on developing their business, improving operational efficiency, and expanding markets. In addition, qardhul hasan strengthens the role of Islamic banking as a strategic actor in green financing by providing financial support for MSMEs that contribute to environmental conservation. With cross-sector synergy, qardhul hasan has great potential to become a key element in creating a balance between economic growth and environmental sustainability. This research is expected to provide academic and practical contributions in the development of sharia-based sustainable financing and strengthen Indonesia's commitment to climate change mitigation.
STRATEGI WHATSAPP BLAST DALAM MENINGKATKAN FUNDRAISING PADA LEMBAGA AMIL ZAKAT PERSADA JAWA TIMUR Moh. Bustanul Farihin Ma'aliy; Andriani Samsuri
KOMPLEKSITAS: JURNAL ILMIAH MANAJEMEN, ORGANISASI DAN BISNIS Vol 14, No 2 (2025): KOMPLEKSITAS EDISI DESEMBER 2025
Publisher : ITB Swadharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56486/kompleksitas.vol14no2.1026

Abstract

This study analyzes the use of WhatsApp Blast as a digital communication strategy to increase fundraising at the Persada Zakat Institution (LAZ) in East Java. Using a descriptive qualitative approach through interviews, observations, and document analysis, this study explores the influence of WhatsApp Blast on donor decisions and the role of trust in strengthening their loyalty. The results show that WhatsApp Blast is effective at reaching donors quickly, personally, and in large numbers at an efficient cost compared to conventional methods. The application of Integrated Marketing Communication (IMC) principles and segmentation, targeting, and positioning (STP) strategies has been proven to support increased donor participation, especially during religious moments. In addition, transparency in information, accountability in reporting, and personal communication via WhatsApp Blast strengthen donor trust, a key factor in donation decisions. However, the effectiveness of this strategy is greatly influenced by segmentation, content quality, and the timing of message delivery. This study confirms that optimizing WhatsApp Blast can increase fundraising success and strengthen long-term relationships between institutions and donors.Penelitian ini menganalisis pemanfaatan WhatsApp Blast sebagai strategi komunikasi digital dalam meningkatkan fundraising pada Lembaga Amil Zakat (LAZ) Persada Jawa Timur. Dengan pendekatan kualitatif deskriptif melalui wawancara, observasi, dan analisis dokumen, penelitian ini mengeksplorasi pengaruh WhatsApp Blast terhadap keputusan donatur serta peran kepercayaan dalam memperkuat loyalitas mereka. Hasil penelitian menunjukkan bahwa WhatsApp Blast efektif dalam menjangkau donatur secara cepat, personal, dan masif dengan biaya efisien dibandingkan metode konvensional. Penerapan prinsip Integrated Marketing Communication (IMC) serta strategi segmentasi, targeting, dan positioning (STP) terbukti mendukung peningkatan partisipasi donatur, khususnya pada momentum keagamaan. Selain itu, transparansi informasi, akuntabilitas laporan, dan komunikasi personal melalui WhatsApp Blast memperkuat kepercayaan donatur, yang menjadi faktor kunci dalam keputusan berdonasi. Kendati demikian, efektivitas strategi ini sangat dipengaruhi oleh segmentasi, kualitas konten, serta waktu pengiriman pesan. Penelitian ini menegaskan bahwa optimalisasi WhatsApp Blast berpotensi meningkatkan keberhasilan fundraising dan memperkuat hubungan jangka panjang antara lembaga dan donatur.
The Transformation of Islamic Finance in the Digital Era: Opportunities and Challenges for Muslim Communities Samsul Muarif; Andriani Samsuri
Anjasmoro: Islamic Interdisciplinary Journal Vol. 4 No. 1 (2026): Islamic Education
Publisher : Yayasan Pendidikan Bustanul Ulum Mojokerto

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

Abstract

This article aims to discuss the transformation of Islamic finance in the digital age by examining the opportunities and challenges it presents for Muslim communities. This study employs a qualitative approach using library research methods, involving an analysis of books, journal articles, official documents, regulations, fatwas, and scientific publications related to Islamic finance, the digital economy, Sharia fintech, digital Sharia financial literacy, and maqāṣid al-sharī‘ah. The study’s findings indicate that digital Islamic finance presents significant opportunities to expand access to Sharia-compliant financial services, enhance financial inclusion, support the development of halal SMEs, and optimize the management of zakat, infak, sedekah, and waqf through digital platforms. However, this transformation also faces challenges such as low digital Sharia financial literacy, data security risks, the public’s limited understanding of contracts, Sharia compliance, regulations, and users’ ethical awareness. Therefore, the strengthening of digital Islamic finance must be achieved through improved public literacy, Sharia oversight, adaptive regulations, consumer protection, and collaboration among the government, Sharia financial institutions, religious scholars, academics, educational institutions, and digital industry players. This article emphasizes that digital Islamic finance is not merely a form of financial service modernization but also a vital instrument in building an inclusive, secure, just, and public-interest-oriented economy for the Muslim community.  
Does Boycott Participation Influence Purchasing Decisions for American Beverage Products? Solikhawati, Anisa; Buchori, Imam; Samsuri, Andriani; Agus Hidayat, Ahmad
EQUILIBRIUM Vol 14, No 1 (2026): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v14i1.36476

Abstract

Geopolitical tensions arising from the Israel-Palestine conflict have intensified boycott movements against American products among Muslim consumers, influencing their purchasing behavior. This study examines the effects of consumer animosity, consumer ethnocentrism, religiosity, and brand image on purchase decisions regarding American beverage products in Surabaya, Indonesia, with boycott participation serving as a moderating variable. A quantitative approach was employed, and data were collected from 270 respondents and analyzed using Structural Equation Modeling (SEM) with SmartPLS 4.0. The findings indicate that consumer animosity and consumer ethnocentrism have significant positive effects on purchase decisions, whereas brand image has a significant negative effect. Religiosity does not significantly influence purchase decisions. Furthermore, boycott participation weakens the relationship between consumer animosity and purchase decisions while strengthening the relationship between consumer ethnocentrism and purchase decisions. However, boycott participation does not significantly moderate the relationships between religiosity and purchase decisions or between brand image and purchase decisions. These findings demonstrate that consumer responses to American beverage products during periods of geopolitical conflict are shaped by a complex interaction of political hostility, ethnocentric tendencies, and boycott participation. The study contributes to the growing literature on consumer behavior in politically sensitive contexts by highlighting the moderating role of boycott participation in shaping purchasing decisions towards foreign products.
Effect of Halal Products Awareness and Attitude towards Halal Products on Halal Products Purchase Intention in Kano Metropolitan, Nigeria: The Moderating Role of Trust in Halal Industry Auwalu Shuaibu Muhammd; Andriani Samsuri
Proceeding of the International Conference on Economics, Accounting, and Taxation Vol. 3 No. 1 (2026): Proceeding of the International Conference on Economics, Accounting, and Taxati
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/iceat.v3i1.260

Abstract

Globally, the halal industry is growing at a faster rate due to the high recurrent demand for ethical consumables. This growing trend has necessitated that nations legislate and provide a standard certification mechanism for producers and importers alike to facilitate seamless consumers’ distinction between halal and non-halal products. However, despite the global recognition of the halal industry, Nigeria lacks pertinent legislative backing for it, thereby causing Nigerians to purchase goods without knowing their definitive halal status. In view of the above, this study explores how Halal Product Awareness (HPA) and Attitude Toward Halal Products (ATHP) influence the intention to purchase Halal products (HPPI) among Nigerians, with Trust in the Halal Industry (THI) acting as a moderating factor. The objectives include examining the impact of HPA and ATHP on HPPI and investigating how THI moderates the relationships between HPA, ATHP, and HPPI in Nigeria. A descriptive survey design was used, targeting adult Muslims (both male and female) living in Kano, Nigeria, who have a steady income. A sample of 287 respondents participated, with data collected through adapted instruments and analyzed via SmartPLS4. Results show that both HPA and ATHP significantly influence HPPI, and the moderating effect of THI on these relationships was also significant. Based on these findings, the study recommends creating a dedicated regulatory body for the halal industry and implementing halal certifications for eligible organizations to enhance trust among Nigerians.
Co-Authors Abu Yasid Achmad Room Fitrianto Agus Hidayat, Ahmad Ahmad Agus Hidayat Ahmad Azim Aufaq Ahsan, Muhamad Aidah Kamaliah Aisyul Hana, Ubaid Aldi Khusmufa Nur Iman Alfiyah, Fitri Nurul Amilis Kina Ana Toni Roby Candra Yudha Andri Afianto Anisa Solikhawati Anshori ARDIANSYAH, JEFRI AS, Fathor Auwalu Shuaibu Muhammd Ayu Rahayu Nurhalizah 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 Hanafi Adi Putranto Hidayah, Fitri Naila Imam Buchori Kamila, Niswa Khoyyilah, K Lilik Rahmawati Marrisa Andinarianti Masyita Auliyah Moh. Bustanul Farihin Ma'aliy Mohammad Salman Alfarizi Muchammad Saifuddin Mufti Afif Muhammad Rizki Ashari Muhammad Yazid Muhammad Yazid Mustofa Mustofa Nisa', Rifqun Nisful Lailatul U. Nur Syam Nur Umamah Nurhayati Nurhayati Nurhayati Nurul Fithrotuz Z Putra, Grand Colin Amdhana Priin Putri, Fitriani Wijaya Rachma Indrarini Ramadanti, Firda Gangsar Rendra Erdkhadifa Rifqun Nisa' Room Fitrianto, Achmad Samsul Muarif Siti Alfia Ayu Rohmayanti Solikhawati, Anisa Syafiratud Daniyas Tantriana, Deasy Ulfa Vadhila VIRAWATI, EKA Wahyu Prihatanti, Vidya Yahya Fuad Yayuk Nailis Syarifatus Sa’diyah zulfa, indana