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All Journal Jurnal Hukum Samudra Keadilan AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Jurnal Geuthee Jurnal Aksioma Al-Musaqoh AT-TIJARAH: Journal Islamic Banking and Finance Research Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Journal of Islamic Economics and Finance Equivalent : Journal of Economic, Accounting and Management Jurnal Pajak dan Analisis Ekonomi Syariah Ekonomi Keuangan Syariah dan Akuntansi Pajak Jurnal Inovasi Ekonomi Syariah dan Akuntansi Malik Al-Shalih
Husni Kamal
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Inovasi Produk pada Akad Mudharabah di Bank Syariah Indonesia (BSI) Naswa Sasmita; Rizky Bayu Pratama; Natasya Natasya; Husni Kamal
Jurnal Pajak dan Analisis Ekonomi Syariah Vol. 2 No. 3 (2025): Juli: Jurnal Pajak dan Analisis Ekonomi Syariah
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jpaes.v2i3.1284

Abstract

This study examines the innovation of Hajj Savings products based on the mudharabah contract at Bank Syariah Indonesia (BSI). The innovations include digitalization of services, integration with the Ministry of Religious Affairs’ SISKOHAT system, and the development of new features such as collective savings, gamification, and auto-debit. The objective of these innovations is to facilitate Muslims in planning and saving for Hajj funds according to Sharia principles, enhance service accessibility, and provide added value tailored to modern customer needs. The findings indicate that these product innovations offer significant benefits to customers, including convenience, security, and fair profit-sharing, as well as advantages for BSI in terms of increased third-party funds, operational efficiency, and market expansion. This study emphasizes the importance of sustainable innovation grounded in Sharia principles in the development of Islamic banking products to support financial inclusion and improve service quality.
Produk Akad Musyarakah Pada Bank Syariah Indonesia Mencerminkan Kemitraan Bisnis Yang Berbasis Prinsip Bagi Hasil Adil Ajirna Ajirna; Bella Silvia; Nurul Astiva Nasution; Waldyansyah Waldyansyah; Husni Kamal
Ekonomi Keuangan Syariah dan Akuntansi Pajak Vol. 2 No. 3 (2025): Ekonomi Keuangan Syariah dan Akuntansi Pajak (EKSAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/eksap.v2i3.1362

Abstract

This study aims to analyze product innovations in the Musyarakah contract applied by Islamic financial institutions in Indonesia. The research uses a qualitative descriptive method with case studies from several Islamic banks. Data were collected through documentation and interviews with practitioners. The study found that innovations in Musyarakah products are largely driven by the need to enhance competitiveness and address the unique demands of the Indonesian market, particularly among micro, small, and medium enterprises (MSMEs)  Several banks have modified the classical Musyarakah structure to align with customer preferences and regulatory standards. For instance, some institutions implement tiered profit-sharing mechanisms, structured financing tenures, and integration with digital banking platforms to improve accessibility and monitoring. In addition, hybrid contracts that combine Musyarakah with other contracts, such as Ijarah or Murabahah, are increasingly used to create more flexible and customer-friendly financing solutions. Practitioners interviewed noted that one of the main challenges in implementing Musyarakah-based products is the higher operational and monitoring cost, due to the nature of partnership-based risk-sharing. However, these challenges are being addressed through technological innovation, such as mobile applications that help track business performance and automate profit-sharing calculations. The study concludes that product innovation in Musyarakah financing can enhance the inclusivity and effectiveness of Islamic banking in Indonesia, especially in supporting entrepreneurial sectors. Nevertheless, standardization, regulatory support, and continued investment in human resource capacity remain critical for sustained innovation. Future research may explore the customer perception of Musyarakah products, the impact of these innovations on financial performance, and comparative studies with conventional financing models.
GOOD CORPORATE GOVERNANCE DAN MAQASHID SYARIAH DALAM PENGUATAN LEMBAGA KEUANGAN SYARIAH DI INDONESIA Husni Kamal; Muhammad Iqbal; Muhammad Syafril Nasution
Jurnal Hukum Samudra Keadilan Vol 20 No 2 (2025): Jurnal Hukum Samudra Keadilan
Publisher : Fakultas Hukum, Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jhsk.v20i2.12991

Abstract

Penelitian ini bertujuan untuk menganalisis keterkaitan antara Good Corporate Governance (GCG) dan Maqashid Syariah dalam memperkuat tata kelola lembaga keuangan syariah di Indonesia. Metode yang digunakan adalah penelitian hukum normatif dengan pendekatan konseptual dan perundang-undangan, serta dianalisis melalui studi literatur terhadap regulasi nasional, fatwa DSN-MUI, dan teori tata kelola korporasi syariah. Hasil penelitian menunjukkan bahwa GCG merupakan instrumen penting dalam memastikan profesionalisme, transparansi, akuntabilitas, dan tanggung jawab sosial lembaga keuangan syariah. Namun, prinsip-prinsip tersebut belum sepenuhnya mencerminkan nilai-nilai maqashid syariah yang menekankan pemeliharaan agama (hifzh ad-din), jiwa (hifzh an-nafs), akal (hifzh al-‘aql), harta (hifzh al-mal), dan keturunan (hifzh an-nasl). Integrasi antara GCG dan maqashid syariah menghasilkan sistem tata kelola yang tidak hanya berorientasi pada kepatuhan regulatif, tetapi juga pada pencapaian keadilan, kemaslahatan, dan keberlanjutan sosial. Kesimpulannya, sinergi kedua prinsip tersebut merupakan fondasi strategis bagi penguatan tata kelola lembaga keuangan syariah di Indonesia agar memiliki legitimasi hukum, moral, dan spiritual yang utuh dalam mendukung sistem ekonomi nasional yang berkeadilan.
Co-Authors Afdhilah, Nur Ahmad Sayuti, Ahmad Ainun Mardhiah Ajirna Ajirna Akmalul Hajja Angga Syahputra Azhari Yahya Bella Silvia Dimaz Alfian Frastianda Eva Simah Bengi Fani Indriani Fitriyani, Ema Gadis Ananda .S. Harfiyan Syahputra Husna Wahida Khairiyah Fikri Azzahra Khalish Khairina M. Rafly Febryansyah Mahdania Mahdania Muhammad Iqbal Muhammad Iqbal Muhammad Syafril Nasution Muhammad Ulfa Chairi Mukhtasar Naswa Sasmita Natasya Natasya Nurul Astiva Nasution Rapika Dewi Riandi Fauzi Rizky Bayu Pratama Rukaini Rukaini Safrina, Eka Sihite, Nadya USWATUN HASANAH Waldyansyah Waldyansyah Yolanda Salsabila Balkis