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All Journal Ekonomi Bisnis Jurnal Sosial Ekonomi Pertanian JEJAK Hunafa: Jurnal Studia Islamika Al-Ulum Holistic Journal Of Management Research Islamic Ecomonics Journal I-ECONOMICS: A Research Journal on Islamic Economics EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam DERIVATIF Jurnal Tirtayasa Ekonomika (Tirtayasa Economica Journal) Naturalistic : Jurnal Kajian dan Penelitian Pendidikan dan Pembelajaran Jurnal Akuntansi dan Pajak Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Jurnal Profesi Medika: Jurnal Kedokteran dan Kesehatan IJBE (Integrated Journal of Business and Economics) Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics Jurnal Ekonomi Islam Jurnal SOLMA Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Jurnal Aplikasi Bisnis Dinamis : Journal of Islamic Management and Bussiness Banque Syar'i : Jurnal llmiah Perbankan Syariah JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Islaminomics: Journal of Islamic Economics, Business and Finance Gorontalo Management Research Jesya (Jurnal Ekonomi dan Ekonomi Syariah) IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Jurnal Al-Amwal Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Syarikat : Jurnal Rumpun Ekonomi Syariah FINANSIA : Jurnal Akuntansi dan Perbankan Syariah EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) JMB : Jurnal Manajemen dan Bisnis Jurnal Manajemen dan Bisnis Baja (JUMANIS BAJA) Jurnal Ilmiah Edunomika (JIE) Jurnal Riset Akuntansi Politala Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal E-Bis: Ekonomi Bisnis Review of Islamic Economics and Finance RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL At-Tauzi: Jurnal Ekonomi Islam ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING MALIA: Journal of Islamic Banking and Finance JES (Jurnal Ekonomi Syariah Jurnal Dinamika Ekonomi Syariah Jurnal Pengabdian Masyarakat Asia JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Economics and Digital Business Review Community Empowerment Journal of Islamic Economics and Philanthropy Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) DEMAnD Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Jurnal Ilmiah Ekonomika EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial Jurnal Manajemen dan Organisasi Review (MANOR) JIHBIZ :Global Journal of Islamic Banking and Finance. Bisnis Net : Jurnal Ekonomi dan Bisnis Forum Bisnis dan Kewirausahaan Indonesian Journal of Islamic Economics and Business An-Nisbah : Jurnal Perbankan Syariah Al-Iqtishod : Jurnal Ekonomi Syariah Jurnal Ekonomi dan Perbankan Syariah Berdikari : Jurnal Ekonomi dan Statistik Indonesia Jurnal Akuntansi, Manajemen, Bisnis dan Teknologi juremi: jurnal riset ekonomi Journal of Law, Administration, and Social Science El Mudhorib Jurnal Kajian Ekonomi dan Perbankan Syariah Journal of Islamic Economics and Social Science (JIESS) Jurnal Neraca Peradaban Jurnal Bina Bangsa Ekonomika JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Indonesian Journal of Innovation Studies Share: Jurnal Ekonomi dan Keuangan Islam Mutanaqishah: Journal of Islamic Banking Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) At Taajir : Jurnal Ekonomi, Bisnis dan Keuangan Syariah Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah ProBisnis : Jurnal Manajemen EKSYA: Jurnal Ekonomi Syariah Journal of Management and Islamic Finance Jurnal Ekonomika dan Bisnis Islam Salam (Islamic Economics Journal) Az Zarqa': Jurnal Hukum Bisnis Islam JIEPS: Jurnal Ilmiah Ekonomi Islam dan Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh Bussman Journal : Indonesian Journal of Business and Management Labatila: Jurnal Ilmu Ekonomi Islam Jurnal Manajemen Economic Reviews Journal Dinamika Islamic Economics and Finance Journal Ekombis Sains: Jurnal Ekonomi, Keuangan dan Bisnis Mutanaqishah: Journal of Islamic Banking Jeksyah At-Tamwil: Journal of Islamic Economics and Finance Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Neo Journal of economy and social humanities Best Journal of Administration and Management Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMAK) Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam Indonesian Journal of Islamic Economics and Finance PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi Likuid: Jurnal Ekonomi Industri Halal Jurnal Ilmiah Ekonomi, Manajemen dan Syariah Jurnal Ilmiah Pendidikan dan Keislaman Jurnal Adijaya Multidisiplin Islamic Economics and Business Review (IESBIR) Kartika: Jurnal Studi Keislaman Kalianda Halok Gagas Jurnal Ekonomi Islam GLORY Jurnal Ekonomi dan Ilmu Sosial Jurnal PERKUSI: Pemasaran, Keuangan dan Sumber Daya Manusia Jurnal Pelita Manajemen Revenue: Lentera Bisnis Manajemen Indonesian Journal of Accounting and Business Jurnal Manajemen dan Bisnis (JMB) Jurnal Enterpreneur dan Bisnis (JEBI) Istithmar: Jurnal Studi Ekonomi Syariah Equilibrium: Jurnal Ekonomi Syariah Journal of Halal Research, Policy, and Industry SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Jurnal Akuntansi Syariah Jurnal Manajemen, Akuntansi dan Logistik (JUMATI) Jurnal Media Akademik (JMA) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam EKSYDA: Jurnal Studi Ekonomi Syariah Tazkiyya: Jurnal Keislaman, Kemasyarakatan dan Kebudayaan Jurnal Intelek Dan Cendikiawan Nusantara International Journal of Islamic Economics (IJIE) MAXIMAL Journal of Social Science and Multidisciplinary Analysis Jurnal Intelek Insan Cendikia Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan Journal of Ekonomics, Finance, and Management Studies Jurnal Riset Multidisiplin Edukasi Ecoducation Jurnal Cendekia Ilmiah Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi Journal of Sharia Economy and Islamic Tourism JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Jurnal Bersama Ilmu Ekonomi Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Jurnal Actual Organization Of Economic ( Jago-e) Al-Infaq : Jurnal Ekonomi Islam Journal of Loomingulisus ja Innovatsioon KREATIF: Jurnal Pengabdian Masyarakat Nusantara ZISWAF: Jurnal Zakat dan Wakaf Journal of Management Economics and Financial Accounting JURNAL ECONETICA: Jurnal Sosial, Ekonomi Dan Bisnis Jurnal Ilmiah Ekonomika (JIE) Advances In Education Journal LA RIBA: Jurnal Perbankan Syariah DEAL: International Journal of Economics and Business Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah Kajian Hukum
Muhammad Iqbal Fasa
Universitas Islam Negeri Raden Intan Lampung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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Implementasi Prinsip Maqashid Syariah Dalam Operasional Perbankan Syariah Diana Puspita Sari; Anggun Okta Fitri; Muhammad Iqbal Fasa
Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan Vol. 2 No. 1 (2025): Inflasi - Mei
Publisher : PT. Faaslib Serambi Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66341/inflasi.v2i1.120

Abstract

Maqashid Sharia is a fundamental principle in Islamic law that aims to ensure the welfare of humanity by protecting five important aspects, namely religion (hifdz al-din), soul (hifdz al-nafs), reason (hifdz al-aql), descendants (hifdz al-nasl), and property (hifdz al-maal). In the world of Islamic banking, this principle is the basis for ensuring that all products and services offered not only prioritize financial gain, but also provide broader social benefits to society. The implementation of maqashid sharia in Islamic banking is reflected in the development of partnership-based financial products such as mudarabah and musyarakah. Both of these products allow for a fair sharing of risks and profits between the bank and the customer. In addition, Islamic banks also manage social funds such as zakat, infaq, sedekah, and waqf, which are used to improve the welfare of society more broadly. These principles seek to create a financial system that is fair, transparent, and beneficial to society. However, although the implementation of maqashid sharia has brought positive changes in sharia banking, there are still challenges that need to be faced, such as inadequate regulations and the lack of public understanding of sharia products. Therefore, stronger collaboration between sharia financial institutions and various other stakeholders is needed to maximize the implementation of maqashid sharia and achieve overall welfare of the people
Tantangan Dan Peluang Dalam Menarik Minat MasyarakatNon- Muslim Untuk Menabung Di Bank Syariah Jezica Natazza; Anggun Okta Fitri; Muhammad Iqbal Fasa
Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan Vol. 2 No. 1 (2025): Inflasi - Mei
Publisher : PT. Faaslib Serambi Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66341/inflasi.v2i1.150

Abstract

Industri perbankan syariah memegang peranan penting dalam mendorong pertumbuhan ekonomi nasional, menjadikannya sebagai sektor yang strategis. Oleh sebab itu, peran pemerintah sangat dibutuhkan dalam merumuskan kebijakan dan regulasi yang mampu mendorong perkembangan industri ini secara profesional, agar dapat bersaing dan menarik lebih banyak konsumen. Penelitian dalam jurnal ini menggunakan metode studi pustaka untuk menelaah berbagai fenomena yang terjadi dalam dunia perbankan syariah di Indonesia, dengan titik fokus pada strategi pemasaran yang sesuai bagi sektor ini. Salah satu hambatan terbesar yang dihadapi oleh perbankan syariah adalah kurangnya efektivitas dalam kegiatan pemasaran, yang sebagian besar disebabkan oleh rendahnya minat masyarakat terhadap layanan ini. Minimnya penyuluhan atau sosialisasi menjadi alasan utama mengapa banyak masyarakat lebih memilih bank konvensional. Dengan demikian, dibutuhkan strategi pemasaran yang tepat guna memperkenalkan keunggulan produk-produk dari bank syariah kepada publik. Perkembangan industri perbankan syariah tidak bisa dilepaskan dari kebutuhan masyarakat, sehingga sangat penting bagi lembaga keuangan syariah untuk memahami pandangan masyarakat—baik yang beragama Islam maupun non-Muslim—terhadap layanan mereka. Tujuan dari penelitian ini adalah untuk mengkaji bagaimana persepsi masyarakat non-Muslim terhadap bank syariah. Hasil temuan menunjukkan bahwa sebagian besar responden non-Muslim memiliki pandangan yang cukup positif terhadap bank syariah; sebanyak 59,4% menyatakan menerima, 36,4% bersikap netral, dan hanya 4,2% yang menolak. Hal ini menandakan bahwa layanan bank syariah cukup diterima di kalangan non-Muslim. Terdapat dua kategori utama yang memengaruhi persepsi tersebut: faktor internal dan eksternal. Faktor internal mencakup latar belakang pekerjaan dan motivasi pribadi, sedangkan faktor eksternal meliputi promosi, kualitas layanan, lokasi bank, serta status sosial masyarakat.
Analisis Perbandingan Intellectual Capital, Islamic Performance Index Terhadap Profitabilitas BUS dan BPRS (2018-2022) Pransiska Dewi; Ahmad Habibi; Muhammad Iqbal Fasa
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 1: November 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i1.5842

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh intellectual capital dan Islamic Performance Index terhadap kinerja keuangan Bank Umum Syariah (BUS) dan Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia. Latar belakang penelitian ini adalah pentingnya perbankan syariah dalam memperkuat ekonomi berbasis nilai Islam, dengan fokus pada peran modal intelektual dan kepatuhan syariah dalam meningkatkan kinerja keuangan. Metode penelitian menggunakan pendekatan kuantitatif dengan teknik regresi berganda pada data sekunder yang diperoleh dari laporan tahunan BUS dan BPRS selama periode tertentu. Hasil penelitian menunjukkan bahwa intellectual capital, terutama melalui VACA, berkontribusi signifikan terhadap profitabilitas, dan BUS secara konsisten memiliki kinerja yang lebih stabil dibandingkan BPRS. Selain itu, Islamic Performance Index seperti Profit Sharing Ratio (PSR) memiliki pengaruh signifikan dalam mencerminkan kepatuhan terhadap prinsip bagi hasil. Saran praktis yang dihasilkan meliputi pentingnya optimalisasi modal intelektual dan efisiensi operasional untuk meningkatkan daya saing dan keberlanjutan. Penelitian ini memberikan kontribusi penting bagi literatur perbankan syariah serta memberikan rekomendasi praktis bagi pengambil kebijakan di BUS dan BPRS dalam meningkatkan kinerja dan inovasi berbasis syariah.
Pengaruh Komposisi Pendapatan, Pemenuhan Kebutuhan Dasar, dan Pendapatan Masyarakat Terhadap Peningkatan Kesejahteraan Mustahik pada Baznas Kota Bandar Lampung dan Baznas Pesisir Barat Mela Anggraini; Ahmad Habibi; Muhammad Iqbal Fasa
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 1: November 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i1.6025

Abstract

Penelitian ini bertujuan untuk Mengetahui Bagaimana Pengaruh Komposisi Pendapatan, Pemenuhan Kebutuhan Dasar, dan Pendapatan Masyarakat Terhadap Peningkatan Kesejahteraan Mustahik Pada Baznas Bandar Lampung Dan Baznas Pesisir Barat. Dengan latar belakang tingginya tingkat kemiskinan dan ketimpangan ekonomi di Indonesia, zakat sebagai instrumen sosial memiliki potensi besar untuk meningkatkan kesejahteraan. Metode penelitian ini melibatkan analisis data kuantitatif dengan Teknik regresi berganda dari kedua wilayah, membandingkan efektivitas distribusi zakat dalam meningkatkan kualitas hidup mustahik. Sampel yang digunakan dari masing-masing baznas sebanyak 44 baznas kota bandar lampung dan 44 baznas pesisir barat. Hasil penelitian menunjukkan bahwa di baznas kota bandar lampung hanya pemenuhan kebutuhan dasar yang berpengaruh signifikan terhadap kesejahteraan mustahik, sedangkan di baznas pesisir barat komposisi pendapatan, pemenuhan kebutuhan dasar, dan pendapatan Masyarakat berpengaruh signifikan terhadap kesejahteraan mustahik. Perbedaan ini dipengaruhi oleh perbedaan pendapatan dari masing-masing wilayah.
Pengaruh Integritas, Pengungkapan, Ketaatan dan Neraca Saldo Terhadap Akuntabilitas Keuangan Dana Zakat : Studi Pada Yakesma Lampung dan Dompet Dhuafa Nurhayati Nurhayati; Ahmad Habibi; Muhammad Iqbal Fasa
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 1: November 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i1.6054

Abstract

penelitiaan ini bertujuan untuk membandingkan pengaruh variabel Integritas, Pengungkapan, Ketaatan dan Neraca Saldo Terhadap Akuntabilitas Keuangan Dana Zakat pada Yakesma Lampung dan Dompet Dhuafa. Dalam penelitian ini menggunakan pendekatan kuantitatif.  uji T  pada Lembaga Yakesma Lampung untuk Integritas Diketahui nilai sign 0,00 < 0,05 dan nilai t hitung 7,328 > 2,022 dan Neraca Saldo Diketahui nilai sign 0,00 < 0,05 dan nilai t hitung 13,455 > 2,022 terdapat pengaruh signifikan terhadap Akuntabilitas Keuangan Dana Zakat. Sedangkan Pengungkapan Diketahui nilai sign 0,00 < 0,05 dan nilai t hitung -8,384 < 2,022 dan Ketaatan Diketahui nilai sign 0,13 > 0,05 dan nilai t hitung  2,599 > 2,022 tidak terdapat pengaruh signifikan terhadap variabel Akuntabilitas Keuangan Dana Zakat. Hal ini berbanding terbalik dengan uji T pada Dompet Dhuafa dimana Integritas Diketahui nilai sign 0,292 > 0,05 dan nilai t hitung 1,068 < 2,022, Ketaatan Diketahui nilai sign 0,541 > 0,05 dan nilai t hitung  0,617 < 2,022 dan Neraca Saldo Diketahui nilai sign 0,471 > 0,05 dan nilai t hitung 0,729 < 2,022 tidak terdapat pengaruh signifikan terhadap Akuntabilitas Keuangan Dana Zakat. sedangkan Pengungkapan Diketahui nilai sign 0,01 < 0,05 dan nilai t hitung 3,620 >  2,022 pengaruh signifikan terhadap Akuntabilitas Keuangan Dana Zakat. Pada uji F untuk Yakesma Lampung bahwa pengaru Integritas,Pengungkapan,Ketaatan dan Neraca Saldo terhadap Akuntabilitas Keuangan Dana Zakat diketahui nilai sign 0,000 < 0,05 dan nilai f hitung 195,552 > 2,61 , sehingga dapat disimpulkan bahwa H5 diterima yang berarti terdapat pengaruh variabel X1, X2, X3, dan X4 terhadap Y dan untuk Dompet Dhuafa dapat disimpulkan bahwa pengaru X1,X2,X3 dan X4 terhadap Y diketahui nilai sign 0,000 < 0,05 dan nilai f hitung 195,552 > 2,61 , sehingga dapat disimpulkan bahwa H5 diterima yang berarti terdapat pengaruh variabel X1, X2, X3, dan X4 terhadap Y. Pada uji koefisien, untuk Yakesma Lampung terdapat pengaruh simultan sebesar 95,3% sedangkan pada Dompet Dhuafa terdapat pengaruh simultan sebesar 81,7%.
Islamic Bank Marketing Strategy in Increasing Generation Z's Interest in Saving in Islamic Banking Towards the Digital Era Devi Restiana; Muhammad Iqbal Fasa
Journal of Loomingulisus ja Innovatsioon Vol. 1 No. 6 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/innovatsioon.v1i6.1494

Abstract

The increasing adoption of digital technology has changed the way people save and invest their money. Generation Z (born between 1997 and 2012), as the most digitally savvy generation, has different preferences and behaviors when it comes to saving and investing. Islamic banks, in particular, face the challenge of attracting and retaining the savings of the younger generation. The development of sharia banking in the digital era provides opportunities and challenges for its existence. So sharia banks must be able to use existing opportunities as best as possible, namely by improving marketing strategies in the digital era by embracing generation Z. This research aims to identify and analyze strategies carried out by sharia banks to increase generation Z's interest in saving in the era of digitalization. In this research, qualitative methods were used where researchers collected data from existing literature.
Determinants of Financial Stability in the Islamic Financial Services Industry: CS-ARDL Panel Analysis of Islamic Countries Muhammad Kurniawan; Muhammad Iqbal Fasa; Mohd Syahril Ahmad Razimi; Ersi Sisdianto
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2026)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v12i1.9230

Abstract

Purpose: This research aims to identify the factors influencing stability reporting in the Islamic financial services industry, with a specific focus on financial performance, efficiency, asset quality, and capital adequacy.Design/Methodology: Utilizing panel data from Islamic financial institutions across ten countries (Iran, Saudi Arabia, Malaysia, UAE, Kuwait, Qatar, Turkey, Bangladesh, Indonesia, and Bahrain), the research employs the Cross-Sectionally Augmented Autoregressive Distributed Lag (CS-ARDL) approach to address cross-sectional dependence and heterogeneity in panel data. The model's validity and consistency were confirmed through robust diagnostic tests, including cointegration and cross-sectional dependence tests.Findings: This study finds that financial performance (ROA) and capital adequacy (CAR) are key drivers of stability in the Islamic financial services industry. Institutions with higher profitability and stronger capital buffers are better able to withstand economic pressures and maintain stable operations, both in the short and long term. In contrast, inefficiency (high Cost to Income Ratio) and poor asset quality (high NPF) weaken stability. When institutions operate inefficiently, their costs erode profits that could otherwise serve as a cushion during difficult times. Likewise, when financing defaults increase, asset quality deteriorates, directly threatening institutional soundness. These findings indicate that achieving stability requires Islamic financial institutions to simultaneously strengthen profitability, maintain adequate capital, control operational costs, and manage credit risk effectively.Practical Implications: This study offers practical implications for regulators and financial institutions to enhance stability monitoring and risk management frameworks, thereby improving systemic resilience within the Islamic financial services industry.Originality/Value: This study contributes to the literature on Islamic financial stability by providing robust empirical evidence on the critical determinants of stability reporting, using a sophisticated methodology to account for data complexities.
Challenges of Sharia Compliance Audits in Islamic Banking: An Analysis of Fintech Developments in Indonesia Yulia Andriani; Ahmad Habibi; Muhammad Iqbal Fasa
Best Journal of Administration and Management Vol 4 No 2 (2025): Best Journal of Administration and Management
Publisher : International Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/bejam.v4i2.373

Abstract

Digital transformation has encouraged Islamic banking in Indonesia to integrate financial technology (Fintech) to improve efficiency and competitiveness. This study aims to examine the application of fintech in Islamic banking, its impact on sharia compliance, and evaluate the effectiveness of supervision in the digital age. This study uses a library approach with qualitative content analysis, as well as the theoretical framework of diffusion of innovation and Islamic financial law. The study found that although Fintech facilitates the implementation of Sharia principles through profit-sharing/buying and selling schemes and contract transparency, there are tensions between digital automation and Sharia accountability that could potentially lead to violations of Islamic principles if oversight is not strict. Therefore, the study concludes that there is an urgent need to develop a digital Sharia audit framework that is capable of performing a Sharia-compliant test directly on the system's source code, as well as encouraging collaborative innovation to embed compliance tools into the core of the technology.
Marketing Management of Islamic Financial Services in the Digital Era Leni Riski Hayati; Ahmad Habibi; Muhammad Iqbal Fasa
Best Journal of Administration and Management Vol 4 No 2 (2025): Best Journal of Administration and Management
Publisher : International Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/bejam.v4i2.374

Abstract

The research aims to analyze in depth the marketing management of Islamic financial services in the digital era, which is currently at a historical crossroads due to the acceleration of digital transformation and the Industrial Revolution 4.0. This study uses a qualitative approach with the method of Systematic Literature Review (SLR). The results of the analysis indicate that adaptation to the Sharia digital marketing mix (7PS), such as technology-based products and physical evidence that transform into digital evidence, must be integrated with strict Sharia compliance. Managerial success depends on Shariah-compliant innovation, strengthening cybersecurity, and Human Resource Investment with dual competencies, with the Sharia Banking-as-a-Service model proposed as a solution to address inequalities in the digital infrastructure of SMEs.
The Role of Sharia Fintech Implementation in Overcoming Gharar in E-Commerce Transactions to Ensure Sharia Compliance and Transaction Certainty in the Digital Economy in Indonesia Reska Maulida; Ahmad Habibi; Muhammad Iqbal Fasa
Best Journal of Administration and Management Vol 4 No 2 (2025): Best Journal of Administration and Management
Publisher : International Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/bejam.v4i2.378

Abstract

The study aims to analyze the strategic role of Sharia Fintech implementation in overcoming gharar elements in e-commerce transactions in order to ensure Sharia compliance and increase transaction certainty in Indonesia's digital economy ecosystem. Gharar in e-commerce often occurs due to non-conformity of goods, quality uncertainty, and lack of transparency of information, where buyers cannot physically verify the goods. Using a qualitative descriptive approach through literature studies, it was found that Sharia fintechs offer mitigation solutions through innovations such as Sharia smart contracts that automate clear contracts, Sharia escrow systems that hold funds until goods are received, and blockchain-based halal traceability technology for product transparency. The results of the study show that the adoption of this technology significantly minimizes ambiguity, reduces the risk of disputes, and increases consumer confidence, but the main challenges still include low Sharia digital literacy and not yet optimal integration across e-commerce platforms.
Co-Authors A. Khumaidi Ja’far A. Khumedi Ja'far A. Kumedi Ja’far Abdul Qodir Zaelani Abdullah Umar Abeng Suhendra Adi Nurman Saputra Adib Fachri Adinda Cahya Maharani Adinda Thaliya Adinda, Reychel Celara Aditya Lingga Margama Afida Rahmawati Afifah, Amatulloh Nur Afriyan Arya Saputra Aftina Halwa Hayatika Agnes Kurnia Agus Kurniawan AGUSTINA MELIA NURBAITI Agustina, Nanda Agustina, Renita Ahmad Habibi ahmad habibi Ahmad Habibi Ahmad Hazas Syarif Ahmad Syauki Ahmad Syauki Ahmad Zuhri Edo Ajeng Febri Setyarini Akhmad Affandi Mahfudz Akhmad Affandi Mahfudz Al Hashfi, Rizqi Umar Aldri Frinaldi Alfin Aziz Alfina Shafira Alifandi, Tomi Alinni May Indry Saputri Aliyah Permata Mulana Putri Alma Tita Assyfa Alpajar Ramadhan Amanda Natasya Amanda Taskia Rahmah Amanda Veronica Amatulloh Nur Afifah Amelia Amelia Amini, Anisa Ana Latifatuz Zahro Ana Latipah Ananda, Annisa Septri Andi Hanifah Nurhikmah Andini Cahya Putri Andini Septiani Angga Maulana Anggista Marbella Anggreini, Nava Anggun Okta Fitri Anggun Okta Fitri Anggun Okta Fitri Angraeni, Erike Ani Laelasari Anisa Amini Anisa Meilita Anita Tri Milza Anjelia Ariesta Wibowo Annisa Alhadi Annisa Nur Ramadhani Annisa Nur Safitri Annisa Nur Safitri Annisa Putri Maharani Any Eliza Arda Jiter Nurda Ardhi Barkah Apandi Ari Wibowo Arifa Kurniawan Arini Maharani Aryanti, Wanda Eflinda As'ad Fuadi Asriani Asriani, Asriani Athira Ajrina Gustya Audara Laili Aufa Rabbani Ayu Gusmawanti Ayu Rizki Ayu, Zaula Putri Ayunita Kurnia Ambali Azzahra, Amelia Azzahra, Fathia Afra Annisa Badawi, Badawi Bagas Dwi Arifin Bagas Oges Bryan Pratama Bagus Galih Satriyo Bayu Luthfi Alfarisi Bintang Kartika Budimansyah Budimansyah Bunga Nitami Cahya Komala Dewi Cania Anggita Putri Choirunisa Salsabila Cindi Novita Sari Cindi Cindi Safitri Citra Maharani David Novaldi Dea Riyanti Paramitha Dedi Junaedi Deha, Damai Dela Lorenza Dela Novita Sari Della Safira Della Safira Deri Norita Desi Ratnasari Desta Asmara Hadi Devi Devi, Devi Devi Restiana Devi Restiana Devitasari Devitasari Dewi Fitriana dewi nur rahmawati Dewi Puspita Apsari Dewi Risyantika Dewi Utari Dhaffi Rizwan Azhari Dhidhin Noer Ady Rahmanto Diana Ambarwati Diana Ambarwati Diana Puspita Sari Diana Puspita Sari dianhidayatii03 Diky Rahmansyah Dimas Galih Saputra Dimas Kurniawan Dinar Fithriya Hanjadi Dinar Fithriya hanjani Dini Anggraini Dini Intan Veronica Dwi Kurniasari Dwi Lestari Dwi Melati, Jean Vania Dwi Mutiara Sari Dwi Nurhayati Dwi Putri Octavianni Dyah Rosmala Efriyanti, Novia Ega Belahag Yusuf Eky Maona Lia Elfa Duwina Elva Dira Shabiha Elva Zubkhair Elvira Damayanti Elvri Ranjani Elvri Ranjani Erike Angraeni Erma Kusumawati Erma Kusumawati ernawati, dewi fitriana Erniza Apnianingsih Erniza Ersi Sisdianto Esmeralda, Kristina Estiana, Isni Nuriyah Evi Ekawati Fadilla, Mutia Faisal, Ignal Fani Aristianti Farah Salsabilla Farhah Lailatul Mustaghfiroh Fauziah Mutiara Leste Fauzul Hanif Noor Athief Febiola, Vani Febrian Maulana Putra Febrian Maulana Putra, Febrian Maulana Felia Maghfira Femei Purnamasari, Femei Feni Nurul Hidayah Feri Ardiansyah Fika Oktariana Saputri Firqotus Sa'idah Fitri Afifah Fitri Sucia Wati Fitriyani, Putri Ghina Mayta Ashillia Ghina Ulfah Saefurrohman Gita Olivia Gita Putri Oktaviani Gusthia Wahyuni Gusthia Wahyuni Gustika Nurmalia Gustin Rianita Hadri Kusuma Hana Mentari Aprilia Hanafi, Syafiq Mahmadah Handayani, Tia Sari Hanif Hanif Hanif Hanif . Hanjani, Dinar Fithriya Hayati, Leni Riski Hendri, Loni Heni Noviarita Heni Verawati Hidayat, Ahmad Wahyu Hidayati, Dian Ibnu Ghufron Jadzuli Ikhwan Udin Ilham rizoni Imelda, Eza Indah Febriani, Indah Indah Harum Rezeki Indahsari, Leny Indra Al Fitara Intan Kesuma Ratu Iqbal Iqbal Iqbal, Muhammad Irinne Sukardi Is Susanto Is Susanto Ismalia, Silfa Itsla Yunisva Aviva Iva Faizah Iviola Sabila Avandi Jeby Fahira Jeby Fahira Jeni Fitriyanti Jezica Natazza Jezica Natazza Jhody Wiraputra jihan Silvi Tria Perdana Jiter, Arda Jovita Ika Julaika Juwita Nur Safitri Khairunnisa, Riska Khoirul Rijal Khotimah, Dwi Khusnul Khumaidi Ja&#039;far Khumaidi Ja’far Kirana, Marshella Sukma Komaria, Desi Kuryani Saputra Laelasari, Ani Laila Azhari Lailatul Ananta Febriyanti Lathifah Rahma Sakhi Ledi antoni Lella Anita Leni Riski Hayati Leny Indahsari Leny Indahsari Lia Hanisa Rahmawati Lita Monalysa Lita Monalysa Lovina Meyresta Lovina Meyresta Wijaya M Arsyil Azhim Arsyil M. 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