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All Journal Hasanuddin Economics and Business Review Al-Intaj: Jurnal Ekonomi dan Perbankan Syariah
Najim Nur Fauziah
International Islamic University Malaysia
Religion Economics, Econometrics & Finance

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The Development of Islamic Crowdfunding in Indonesia and Its Impact towards SMEs Rifka Mustafida; Najim Nur Fauziah; Zahra Nabila Kurnia
Hasanuddin Economics and Business Review VOLUME 4 NUMBER 3, 2021
Publisher : Faculty of Economics and Business, Hasanuddin University, Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v4i3.2547

Abstract

Small and Medium Enterprises (SMEs) is taking role as the backbone for sustained economic growth, particularly in developing countries. However, SMEs might not easily get the financing from the banking institution due to the lack of financial history and collateral. Islamic crowdfunding has become a solution to deliver accessible financial services to the unbanked SMEs in the countries, especially in Indonesia. Islamic crowdfunding impacts the SMEs in regard to the ease of obtaining capital access, improving the welfare of SMEs, and creating growth for the national economy in the long-term. By using literature review, this study aims to show how the Islamic crowdfunding develops and how it affects the SMEs in Indonesia. The result shows that Islamic crowdfunding potentially benefits the SMEs in capital access, improving the welfare and economic growth.  
IMPLEMENTING ESG CONCEPT IN SHARIA STOCK SCREENING PROCESS Rifka Mustafida; Najim Nur Fauziah
Hasanuddin Economics and Business Review VOLUME 5 NUMBER 1, 2021
Publisher : Faculty of Economics and Business, Hasanuddin University, Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v5i1.2549

Abstract

Islam places great importance on moral, environmental and social dimension. Sustainable development is centric to the overlapping factors both Islamic finance and Socially Responsible Investment, which are the economy, the environment and social impact. In contrary, Empirical evidence concerning ESG practice of IFIs and Sharia compliant companies is still lacking. The investment portfolio should therefore be scrutinized on the criteria of justice, social welfare and sustainability. This paper aims to identify sustainability report of Sharia Stocks companies and propose i-ESG index for sharia stocks screening in Indonesia. A qualitative study is used to describe sustainability action doing by Sharia compliant companies listed on Indeks Saham Syariah Indonesia (ISSI) in October 2019. This study found that, almost all the companies shows their Good Corporate Governance, but only a few of company have their sustainability report. Therefore a novel parameter to screen the sharia stocks screening process is urgently needed.  
Bridging the Gap: Addressing Governance and Technology Loopholes in Digital Cash Waqf Systems Habibullah Habibullah; Nur Hidayah; Najim Nur Fauziah
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 2 (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.v12i2.12499

Abstract

Purpose: Digital cash waqf can increase public participation and fund mobilization for Islamic social finance, yet governance gaps, weak regulatory enforcement, and adoption barriers limit its potential, particularly in Indonesia. This study examines the intersection of digital governance and technology adoption in cash waqf systems.Design/Methodology: The study applies qualitative content analysis to a purposively sampled corpus of academic literature, institutional reports, and regulatory documents published between 2018 and 2024, complemented by the Unified Theory of Acceptance and Use of Technology (UTAUT) as an interpretive lens, to examine governance practices and adoption barriers across digital cash waqf platforms in Indonesia and comparator countries.Findings: The analysis identifies governance weaknesses, including the lack of standardized service delivery models, inadequate transparency mechanisms, and insufficient regulatory oversight, alongside adoption barriers such as low public awareness and suboptimal user experience. These governance, institutional, and technology gaps are mutually reinforcing rather than independent.Practical Implications: Regulators such as BWI, OJK, and KNEKS need to revise Law No. 41 of 2004 to accommodate digital waqf and fintech-based asset management, introduce regulatory sandboxes, and mandate performance-based accreditation for nazhir institutions, while platform developers adopt open API standards and real-time impact dashboards to strengthen transparency and public trust.Originality/Value: This study contributes to the Islamic fintech and waqf literature by proposing an integrated framework combining governance reform with strategic digital adoption, applying content analysis together with UTAUT to documentary evidence - an approach not previously used to diagnose digital cash waqf governance gaps in Indonesia
Co-Authors Habibullah Habibullah Nur Hidayah Rifka Mustafida Zahra Nabila Kurnia