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All Journal Ahkam: Jurnal Ilmu Syariah Signifikan : Jurnal Ilmu Ekonomi Jurnal Harkat : Media Komunikasi Gender DE JURE El Dinar Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) SALAM: Jurnal Sosial dan Budaya Syar-i Jurnal Cita Hukum Al-Ihkam: Jurnal Hukum dan Pranata Sosial Tazkia Islamic Finance and Business Review Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Istinbath: Jurnal Hukum dan Ekonomi Islam Community Engagement and Emergence Journal (CEEJ) Al Huquq : Journal of Indonesian Islamic Economic Law Kordinat : Jurnal Komunikasi antar Perguruan Tinggi Agama Islam Al-Manahij : Jurnal Kajian Hukum Islam JURIS (Jurnal Ilmiah Syariah) EKONOMIKA SYARIAH : Journal of Economic Studies Al-Istinbath: Jurnal Hukum Islam Advances In Social Humanities Research Al-Intaj: Jurnal Ekonomi dan Perbankan Syariah GoodWill Journal of Economics, Management, and Accounting
Nur Hidayah
Faculty Of Economics And Business Syarif Hidayatullah State Islamic University, Jakarta
Religion Arts Humanities Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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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
ARE SHARIA FINANCING SCHEMES PROFITABLE? THE CASE OF ISLAMIC RURAL BANKS IN INDONESIA Nur Hidayah; Nur Akhlaqul Karimah
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 11, No 1 (2023): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v11i1.19561

Abstract

Some studies find that Profit and Loss Sharing/PLS (mudharabah and musyarakah) and non-PLS (murabahah) financing positively affect Islamic banks' profitability, while other studies have found a negative relationship. This study aims to analyze the effect of PLS and non-PLS financing on the performance of Islamic banks, as proxied by the profitability ratio of ROA (Return on Assets) with the Non-Performing Finance (NPF) as a moderating variable on six Islamic Rural Banks (IRBs) using panel regression and moderated regression analysis. It finds that the PLS and non-PLS financing positively and significantly influence the IRBs' profitability. NPF as a moderating variable has weakened the effect of PLS financing on the IRBs' profitability. Meanwhile, NPF strengthens the effect of non-PLS financing on the IRBs' profitability. PLS financing with NPF can reduce the IRBs' profitability, and non-PLS financing with NPF can increase the IRBs' profitability. These findings explain why murabahah is still the dominant financing in Islamic banks. Islamic banks should strive to achieve their ideal form as a profit-sharing financial intermediary to respond to the criticism that there is no substantial difference between Islamic and conventional banks as both rely on fixed returns in the financing, perceived as similar to riba, prohibited in Islam.
THE INTENTION TO INVEST IN SUKUK: DO VALUE PROPOSITIONS MATTER? Isman Pepadri; Nur Hidayah
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 2 (2025): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v13i2.32179

Abstract

This study aims to analyze the level of importance-performance and influence of value proposition indicators on investment decisions in Retail Sukuk by integrating two analytical frameworks. The first is the Importance-Performance Analysis assessed through descriptive statistics, and the second is the Theory of Planned Behavior, tested using inferential statistical analysis. Based on responses from 152 deposit holders residing in Jakarta, the findings revealed that four indicators shaping behavioral attitudes significantly influenced investment intentions. Among these, state guarantees and competitive coupon rates must be maintained as core value propositions; support for government programs shows potential to become a key value; and the fixed coupon rate does not require emphasis. Additionally, the four indicators influencing perceived behavioral control also had a positive effect on intention. Affordable investment thresholds and ease of access to purchasing must be sustained as key strengths; short tenor does not necessitate enhancement; and information regarding issuance should become a primary area for improvement. Practically, these findings suggest that issuers must improve their communication strategies and explore opportunities to offer more competitive coupon rates for Retail Sukuk. Theoretically, the combination framework proves to be a relevant and effective approach, yielding valuable empirical insights for researchers.
A Comparative Analysis of Tawarruq and Murabahah in Islamic Home Financing in Malaysia and Indonesia Raihan Khan; Nur Hidayah; Muhajirin
GoodWill Vol. 6 No. 2 (2026): October 2026
Publisher : Yayasan Amerta Insan Unggul

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/goodwill.v62.792

Abstract

This study compares tawarruq and murabahah in Islamic home financing in Malaysia and Indonesia, focusing on their normative foundations, Shariah authorities, contractual structures, transaction objects, banking practices, and the potential development of tawarruq in Indonesia. While Malaysia has established a more explicit institutional framework for tawarruq, murabahah remains the dominant contract in Indonesian Islamic home financing, creating a need to examine the regulatory and operational requirements for adopting alternative financing structures. This study aimed to evaluate the differences between the two countries and assess the feasibility of implementing tawarruq in Indonesia. A normative legal research design with a comparative approach was employed. Data were collected through a literature review of the National Shariah Board of the Indonesian Ulema Council’s fatwas, Bank Negara Malaysia’s Shariah resolutions, Financial Services Authority regulations, Islamic banking product documents, books, and relevant journal articles. The findings revealed that Malaysia has a more explicit institutional framework for tawarruq, supported by central Shariah resolutions, Property Financing-i products, and commodity trading infrastructure. In contrast, Indonesia continues to rely primarily on murabahah because of its established regulatory foundation and industry practices. Although the Indonesian National Shariah Board’s Fatwa No. 82/DSN-MUI/VIII/2011 provides a basis for Shariah-compliant commodity trading, it does not specifically regulate tawarruq as a home financing scheme. This study concludes that tawarruq offers a potential alternative for Islamic home financing in Indonesia, provided that a specific fatwa, operational guidelines, adequate commodity trading infrastructure, and robust Shariah supervision are established to prevent transactions from becoming merely formal arrangements that resemble interest-bearing loans.
Bridging the Gap: Addressing Governance and Technology Loopholes in Digital Cash Waqf Systems Nur Hidayah; Habibullah Habibullah; 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.v12i2.12492

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
The Influence of Collaboration Strategies, Learning Programs, Compliance Activities, and Work Engagement with the Mediation of Individual Performance Achieving Performance of Sharia Units Nila Sulistiawati; Abdul Hamid; Erika Amelia; Nur Hidayah
Advances In Social Humanities Research Vol. 4 No. 10 (2026): Advances In Social Humanities Research
Publisher : Sahabat Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/adv.v4i10.714

Abstract

Sharia Business Units (SBUs) in Indonesia face increasing pressure to strengthen organizational readiness and financial performance amid evolving regulatory requirements for institutional separation. This study examined the relationships between strategic collaboration, learning programs, compliance activities, work engagement, and financial performance, with individual performance serving as a mediating variable. An explanatory sequential mixed-methods design was employed, combining a questionnaire survey of 215 employees from Indonesian SBUs with semi-structured interviews involving six purposively selected informants. Quantitative data were analyzed using partial least squares structural equation modeling (PLS-SEM) with SmartPLS 4, while qualitative interview data were analyzed thematically using NVivo 15. The results revealed that strategic collaboration, learning programs, and compliance activities were significantly and positively associated with individual performance, with learning programs demonstrating the strongest relationship (? = 0.502). Individual performance was significantly associated with financial performance (? = 0.394) and mediated the relationships between these three organizational factors and financial performance. Work engagement also exhibited a significant direct association with financial performance. The structural model explained 54.2% of the variance in individual performance and 56.9% of the variance in financial performance. Qualitative findings highlighted the importance of effective governance, employee competencies, and resource sharing with parent banks in supporting organizational performance. Overall, the findings suggested that sustainable financial performance and institutional readiness among SBUs depend on continuous employee development, strategic collaboration, and consistent compliance with Sharia principles, supported by improved individual performance and effective alignment with parent-bank resources.
Co-Authors Abdul Azis Abdul Hamid Abdul Wahab Abdul Wahab Ahmad Rodoni Diah Larasati Diah Larasati Erika Amelia Erika Amelia Euis Amalia Fathudin Habibullah Habibullah Habibullah Harisa Harisa Hidayatulloh Irma Novida Isman Pepadri JM Muslimin Junarti Junarti Khamami Zada Meriyati Meriyati Moch. Bukhori Muslim Muhajirin Muhajirin Muhajirin Muhamad Nadratuzzaman Hosen Muhamad Resa Ardiansah Muhammad Maksum Mutmainah Juniawati Nadhil Novarel Mathari Najim Nur Fauziah Nila Sulistiawati Nur Akhlaqul Karimah Nur Syam Ade Rahmawati Rahmawati Raihan Khan Siti Sarah Nasution Tira Mutiara Tira Mutiara Tira Mutiara Ujang Maman Ummi Kultsum Wahyu Wastuti Suwasdi Windy Triana