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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam MILRev: Metro Islamic Law Review
Amimah Oktarina
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analisis Penetapan Fee (Ujrah) Pada Produk Pembiayaan BSI Hasanah Card di PT. Bank Syariah Indonesia Atika Tri Aryani; Miti Yarmunida; Amimah Oktarina
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 10 No S1 (2022): SPECIAL ISSUE DNU 14 TH
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v10iS1.1932

Abstract

Penelitian ini bertujuan untuk mengetahui sistem penetapan fee (ujrah) pada produk pembiayaan BSI Hasanah Card di Bank Syariah Indonesia. Jenis pendekatan penelitian menggunakan metode deskriptif kualitatif. Penelitian ini termasuk dalam kategori penelitian lapangan (field research). Dalam penelitian ini, data primer dan sekunder digunakan untuk mengumpulkan informasi. Teknik pengumpulan data yang digunakan adalah observasi, wawancara, dan dokumentasi. Secara khusus, metode Miles dan Huberman digunakan dalam penelitian ini untuk analisis data. Hasil dari penelitian ini menjelaskan bahwa sistem penetapan fee (ujrah) pada BSI Hasanah Card dipengaruhi oleh limit kartu, fasilitas yang didapatkan nasabah dan jumlah pemakaian nasabah. Dan penetapan fee BSI Hasanah Card juga berdasarkan surat keputusan peraturan Bank Indonesia.
Model Pengembangan Wakaf Produktif Pondok Modern Darussalam Gontor Ponorogo Muhammad Iqbal Fasa; Azidni Rofiqo; Amimah Oktarina
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol 9 No 2 (2016): Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47411/al-awqaf.v9i2.87

Abstract

Wakaf merupakan salah satu potensi instrumen keuangan Islam. Wakaf dapat memberikan kontribusi yang besar terhadap perekonomian. Tapi kekayaan wakaf ada begitu banyak, pada umumnya, pemanfaatan masih belum berhasil konsumtif dan produktif. Sebagai langkah strategis untuk memaksimalkan pengelolaan wakaf, sangat penting ketika menghubungkan manajemen kegiatan dan pengembangan wakaf produktif dengan lembaga pesantren. Diantara sekolah-sekolah yang dapat dianggap berhasil dalam pengelolaan wakaf produktif adalah Pondok Modern Darussalam Gontor (PMDG). Kata Kunci: wakaf, wakaf produktif, Gontor
The Ethical Identity Index Based on Contemporary Maqaṣid al-Sharīʿah in Islamic Banking in Indonesia Amimah Oktarina; Jaka Sriyana; Akhsyim Afandi; Abdul Hakim
MILRev: Metro Islamic Law Review Vol. 5 No. 1 (2026): MilRev: Metro Islamic Law Review
Publisher : Faculty of Sharia, UIN Jurai Siwo Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/milrev.v5i1.12778

Abstract

Ethical disclosure constitutes a central pillar of accountability in Islamic banking; however, existing measurement tools, particularly the Ethical Identity Index (EII), have not sufficiently captured recent developments in reporting practices within the Indonesian context. Prior studies predominantly employ static ethical frameworks, thereby limiting their responsiveness to evolving governance standards and contemporary interpretations of Islamic ethical principles. This study aims to address this gap by developing a Modified Sharia-Based Ethical Identity Index (MSBEII) grounded in Jasser Auda’s contemporary Maqaṣid al-Sharīʿah framework, which emphasises a dynamic, multidimensional approach to Islamic ethics. This research adopts a quantitative design by analysing annual reports of Islamic banks in Indonesia and comparing ethical disclosure quality before and after the implementation of the MSBEII. The Wilcoxon signed-rank test is utilised to examine statistically significant differences between disclosure scores derived from the original EII and the modified index. The findings demonstrate a significant improvement in ethical disclosure scores following the application of the MSBEII, indicating that the modified index is more sensitive in capturing previously underrepresented ethical dimensions, particularly those related to governance transparency, social responsibility, and value-based compliance. These results confirm that integrating a contemporary Maqaṣid al-Sharīʿah perspective enhances the analytical depth and contextual relevance of ethical disclosure measurement. Theoretically, this study contributes to advancing the Islamic banking literature by bridging the gap between normative Islamic ethical frameworks and empirical assessment tools. Practically, the MSBEII provides a more comprehensive and adaptable instrument for regulators, standard-setters, and industry practitioners to strengthen governance quality and ethical accountability.
Co-Authors Abdul Hakim Akhsyim Afandi Atika Tri Aryani Damayanti, Elok Jaka Sriyana Rofiqo, Azidni Yarmunida, Miti