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All Journal Hukum Islam Menara Riau: Jurnal Ilmu Pengetahuan dan Pengembangan Masyarakat Islam Jurnal Ilmiah Ekonomi dan Bisnis Eklektik : Jurnal Pendidikan Ekonomi dan Kewirausahaan Martabe : Jurnal Pengabdian Kepada Masyarakat NUSANTARA : Jurnal Ilmu Pengetahuan Sosial JURNAL PENDIDIKAN TAMBUSAI Diklat Review : Jurnal manajemen pendidikan dan pelatihan SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Teknik Industri Terintegrasi (JUTIN) Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam INVEST : Jurnal Inovasi Bisnis dan Akuntansi Jumat Ekonomi: Jurnal Pengabdian Masyarakat Islamic Business and Finance (IBF) Proceeding International Seminar of Islamic Studies ALMUJTAMAE: Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi (JEMBA) Jurnal Economica: Media Komunikasi ISEI Riau Jurnal Ekonomi Utama (Juria) Al-Hisbah Jurnal Ekonomi Syariah Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Jurnal Bisnis Kompetitif Sharing: Journal Of Islamic Economics, Management And Business Money: Journal of Financial and Islamic Banking JAWI : Journal of Ahkam Wa Iqtishad JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi At-Tajdid: Journal of Islamic Studies Jurnal Ekonomi Islam Jurnal Rumpun Ilmu Ekonomi Journal of Finance and Islamic Banking Qonun Iqtishad EL Madani Journal Jurnal El Rayyan: Jurnal Perbankan Syariah Journal of Shariah Economics
Nurnasrina Nurnasrina
Universitas Islam Negeri Sultan Syarif Kasim Riau
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ANALISIS MANAJEMEN LIKUIDITAS PADA BANK PEMBIAYAAN RAKYAT SYARIAH DI PROVINSI RIAU 2020–2024 Damanik, Khairuddin; Nurnasrina, Nurnasrina; Huda, Nurul; Fibriyani Bte Salman, Nola
NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Vol 12, No 7 (2025): Nusantara : Jurnal Ilmu Pengetahuan Sosial
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jips.v12i7.2025.%p

Abstract

Penelitian ini bertujuan menganalisis Manajemen Likuiditas pada Bank Pembiayaan Rakyat Syariah (BPRS) yang berada di Provinsi Riau periode 2020 sampai 2024. Penulisan artikel ini menggunakan metode kualitatif deskriptif, dengan studi kepustakaan. Data diperoleh dari Laporan Keuangan yang diambil dari website Otoritas Jasa Keuangan (OJK), artikel ilmiah, serta sumber-sumber terkait lainnya. Hasil penelitian ditemukan bahwa terdapat dua BPRS yang masuk dalam standar rentang nilai FDR, yaitu PT. BPRS Siak Jaya ditahun 2023 sebesar 105% dan PT. BPRS Hasanah di tahun 2019 dan 2020 yaitu masing-masing sebesar 96,86% dan 84,9%. Namun dari ketiga BPRS di Provinsi Riau pada tahun 2024 yang paling mendekati rentang standar nilai FDR adalah PT. BPRS Siak Jaya sebesar 120%. Nilai cash ratio BPRS di Provinsi Riau juga menunjukkan tingkat likuiditas yang cukup rendah, karena rasio tertinggi dari BPRS yang ada, hanya setengah kas yang tersedia untuk membayar 1 utang atau 50,23% ditahun 2021. Hal ini menunjukkan BPRS di Provinsi Riau masih belum optimal dalam manajemen likuiditasnya. Idealnya, semakin tinggi cash ratio, semakin baik kemampuan perusahaan dalam menghadapi kewajiban mendesak. Namun, terlalu tinggi juga bisa berarti perusahaan tidak memaksimalkan penggunaan dananya. Hal ini menuntut pengelolaan likuiditas yang sangat hati-hati, terutama dengan tetap menjaga prinsip syariah.
Edukasi Manajemen Koperasi Syariah Pada Koperasi Syariah Prima Husada Barokah Bangkinang Kampar Putra, Popi Adiyes; Nurnasrina; Iskandar
ALMUJTAMAE: Jurnal Pengabdian Masyarakat Vol. 5 No. 3 (2025): Desember
Publisher : Universitas Djuanda Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/almujtamae.v5i3.21686

Abstract

Koperasi syariah merupakan lembaga keuangan berbasis anggota yang bertujuan untuk mewujudkan kesejahteraan anggotanya melalui kegiatan usaha yang berkeadilan, menguntungkan, serta sesuai dengan prinsip-prinsip syariah. Dalam konsep syariah, kegiatan usaha tidak hanya harus adil dan menguntungkan, tetapi juga halal dan bebas dari unsur yang dilarang agama. Nilai-nilai ini mendorong semakin banyak masyarakat berhijrah menggunakan layanan koperasi syariah, termasuk Koperasi Syariah Prima Husada Barokah Bangkinang yang sebelumnya beroperasi dengan model konvensional dan kemudian bermigrasi ke sistem syariah. Proses migrasi ini memerlukan pendampingan intensif terkait penerapan operasional koperasi syariah. Tujuan kegiatan pengabdian ini adalah untuk mengedukasi pengelola Koperasi Syariah Prima Husada Barokah Bangkinang terkait manajemen koperasi syariah melalui metode Participatory Action Research (PAR). Hasil kegiatan pendampingan mampu meningkatkan pemahaman para pengelola dan peserta mengenai prinsip-prinsip koperasi syariah. Hal ini terlihat dari perbandingan hasil pretest dan posttest, di mana nilai rata-rata posttest sebesar 15,00, lebih tinggi dibandingkan nilai rata-rata pretest sebesar 9,00. Diharapkan peningkatan pemahaman terkait produk dan akad-akad syariah terus diperkuat untuk memastikan implementasi koperasi yang sesuai dengan prinsip syariah.
Analisis Kelembagaan Pengelolaan Zakat Dan Fungsi Sosial Perbankan Syariah Adiyes Putra; Nurnasrina Nurnasrina
JOURNAL OF SHARIA ECONOMICS Vol. 2 No. 2 (2020): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v2i2.140

Abstract

Institutional zakat in Islamic banking has been regulated in Article 4 Paragraph 2 of Law No. 21 of 2008 concerning Islamic Banking. Where in that article Islamic banks are allowed to perform social functions in the form of collecting zakat, donations, alms, grants, or other social funds. The activities of Islamic banks conducting social activities become additional activities for Islamic banks. In contrast to the main function of Islamic banks as an intermediary function such as the collection and distribution of public funds that are required for Islamic banks to do so, while the social functions of Islamic banks only written in the Islamic banking Act can run, meaning that Islamic banks can choose between performing social functions or not doing it. The uncertainty of the Sharia Banking Law in regulating social functions makes Islamic banks not full of seriousness in carrying out these social functions. The lack of seriousness of this Islamic bank can be seen from the 14 Sharia Commercial Banks (BUS), only 10 BUSs that carry out social functions, and there are still 4 BUSs that have not yet performed social functions. The total funds that have been successfully collected and utilized by 10 BUS in the last 2 years are in 2017 Islamic banks collect zakat funds of Rp. 76.7 billion or 1.23% of the total funds raised by BAZNAS and LAZ (Rp. 6.22 trillion). In 2018 the collection of zakat funds through BUS experienced an increase of 16% from 2017 or collected Rp. 88.9 billion or 1.1% of the total zakat funds raised by BAZNAS and LAZ (Rp. 8.1 trillion). When compared to the amount of zakat fund raised by this BUS with the potential for national zakat totaling Rp. 217 Trillions, of course the achievement is not up to 1%, this means that the collection of zakat funds by the BUS is still far from expectations. Keywords: Zakat Institution, Social Function, Zakat, Islamic Bank
Financing Risk Mitigation Strategy with Governance Approach, Local Wisdom, and Religiosity at Sharia Rural Bank (BPRS) of Riau Putra, P. Adiyes; Sapparudin, Sapparudin; Anggraeni, Tuti; Nurnasrina, Nurnasrina
IQTISHADIA Vol 17, No 2 (2024): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v17i2.29956

Abstract

This study presents an innovative approach to financing risk mitigation strategies at BPRS in Riau by identifying causal factors, solutions, and strategies. Using a qualitative approach with the Analytic Network Process (ANP) method involving regulators, practitioners, and academics to reveal the interconnection between internal and external factors, sociocultural dimensions, and religiosity affecting financing performance. The findings show that implementing good governance, community and local wisdom, and religious values in the customer selection process reduces financing risks and strengthens the relationship between Sharia Rural Bank (BPRS) and the community. The results of this study provide significant contributions to developing a more comprehensive and sustainable risk mitigation framework, policies, and practices for BPRS in Riau, inspire the application of similar principles in other Islamic financial institutions, and encourage regulators to develop regulations to support the development of BPRS.
ASPEK YURIDIS (LANDASAN HUKUM) DAN DASAR HUKUM OPERASIONAL PERBANKAN SYARIAH DI INDONESIA M Arie Pradina; Nurnasrina Nurnasrina
Sharing: Journal of Islamic Economics Management and Business Vol. 2 No. 2 (2023): Desember 2023
Publisher : Program Studi Ekonomi Syariah Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sharing.v2i2.11149

Abstract

Dalam aspek yuridis pada undang-undang Perbankan Syariah No. 21Tahun 2008 secara filosofis telah memenuhi tuntutan rasa keadilan dan kepastian hukum terutama menyangkut transaksi bisnis ekonomi syariah. Pada tataran politik hukum eksistensi UU No. 21 tahun 2008 masih menyisakan pekerjaan rumah diantaranya tahap yuridis, tahap kelembagaan dan tahap mekanik. Aspek Hukum Undang-undang Perbankan Syariah UU No. 21 Tahun 2008, dilihat dari sisi filosofi yuridis dan Sosiologis pada dasarnya telah menjawab kebutuhan rasa Keadilan Ummat Islam sebagai konsekuensi fluralisme hukum yang hidup dan tumbuh dalam dinamika masyarakat Indonesia. Sedangkan dari pendekatan yuridis formalistik melalui payung hukum UU No.3 tahun 2006 dan UU No.4 tahun 2004 implementasinya menuntut hakim dalam mewujudkan dan menegakkan keadilan, hendaknya mengetahui dan memahami aspirasi serta nilai-nilai yang hidup dalam masyarakat dan orientasi keadilanlah yang harus dikedepankan bersama-sama dengan orientasi kepastian hukum dan kemanfaatan. Dan dalam hal ini juga kita dapat melihat secara yuridis, kepatuhan syariah dalam operasional perbankan syariah di Indonesia dari beberapa aspek, yaitu kelembagaan, kegiatan usaha dan pengelolaan likuiditas serta instrumen  keuangan.
Islamic Banking Regulation In Indonesia: A Review Of Laws, OJK Regulations (POJK), and DSN-MUI Fatwas Ichsanul Reihan Adel; Nurnasrina
JAWI : Journal of Ahkam Wa Iqtishad Vol. 4 No. 1 (2026): JAWI - MARET
Publisher : MUI Kota Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of Islamic banking in Indonesia is inseparable from the existence of a legal framework governing its operations and supervision. Islamic banking regulations are derived from various legal instruments, such as the Islamic Banking Law, regulations issued by the Financial Services Authority (Peraturan Otoritas Jasa Keuangan/POJK), and fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). Although originating from different authorities, these three legal instruments are closely interconnected in shaping an Islamic banking system that is consistent with Sharia principles and Indonesia’s positive law. This study aims to analyze the roles, legal standing, and implications of Law No. 21 of 2008, POJK, and DSN-MUI fatwas within the regulatory structure of Islamic banking in Indonesia. The research employs a normative juridical method with statutory and conceptual approaches. The findings indicate that Islamic banking regulation in Indonesia represents an integration of state law and Islamic law, harmonized through authoritative mechanisms.
Edukasi Pengelolaan Wakaf Uang di Rumah Sakit Zainab Pekanbaru P. Adiyes Putra; Nurnasrina Nurnasrina; Lanni Afriani Pulungan
Jumat Ekonomi: Jurnal Pengabdian Masyarakat Vol. 6 No. 3 (2025): Desember
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/abdimasekon.v6i3.6513

Abstract

Effective and transparent management of cash waqf is a crucial component in supporting the sustainability and development of social institutions, including Islamic hospitals. Zainab Hospital Pekanbaru, as a sharia-based healthcare institution, requires a comprehensive understanding of the mechanisms, regulations, and potential optimization of cash waqf to improve service quality and provide better healthcare facilities for the community, particularly the underprivileged (dhuafa). This community service activity aims to enhance the knowledge and awareness of the staff, management, and nazhir (waqf managers) at Zainab Hospital regarding the management of cash waqf in accordance with sharia principles and applicable regulations. The methods used in this program include counseling, interactive discussions, and case simulations. The results show an improvement in participants’ understanding of the concept of cash waqf, the role of nazhir, and the legal-formal procedures involved in its management. This educational initiative is expected to serve as a foundation for Zainab Hospital to implement a professional and sustainable cash waqf program, considering the significant potential of waqf as a source of financing for healthcare services.
Legal Compliance with the Collection and Distribution of Sharia Banking Funds: A Study of Contracts, OJK Regulations and DSN-MUI Fatwa Nanda Ega Rupita; Radi Erwandi; Nurnasrina
JAWI : Journal of Ahkam Wa Iqtishad Vol. 4 No. 2 (2026): JAWI - JUNI
Publisher : MUI Kota Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Islamic banking as an integral part of the national financial system has a legal and sharia responsibility to ensure that all fundraising and distribution activities run according to the principles of fiqh muamalah. Legal compliance is a crucial aspect because every contract used, whether wadiah, mudharabah, murabahah, musyarakah, or ijarah—must not only meet the principles and requirements of the contract, but also be in line with the provisions of national regulations. This research is motivated by various phenomena of irregularities in the implementation of contracts that are still found in Islamic banking practices, such as routine wadiah grants, inaccuracies in the mudharabah ratio, murabahah practices without ownership of goods, and weaknesses in documentation and supervision in musyarakah and ijarah contracts. These inconsistencies show the need for an in-depth evaluation of the harmonization between Law No. 21 of 2008, the Financial Services Authority Regulation (POJK), and the DSN-MUI fatwa as the main legal source of the Islamic finance industry. This study aims to comprehensively analyze legal compliance in the collection and distribution of Islamic banking funds, by examining the suitability of wadiah and mudharabah contracts, the accuracy of the implementation of financing contracts, and the relationship between OJK regulations and DSN-MUI fatwas in forming legal certainty. The research methods used are normative legal research with a legislative approach, a fatwa approach, a conceptual approach, and a case study. The results of the study show that even though the legal framework and fatwa are fully available, the implementation of sharia compliance still faces challenges in the form of regulatory disharmony, limited sharia law literacy of bank human resources, and weak contract documentation. Harmonization between OJK regulations and DSN-MUI fatwas is an urgent need to create legal certainty, increase the effectiveness of sharia supervision, and strengthen the reputation and credibility of the Islamic banking industry in Indonesia.
Isu-isu Internal di Balik Kredit Macet: Mengungkap Akar Masalah Tata Kelola dan Operasional BPRS di Riau Adiyes Putra; Nurnasrina Nurnasrina; Ade Candra
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 5, No 2 (2026): Jun 2026
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v5i2.30171

Abstract

Pembiayaan bermasalah (Non Performing Financing/NPF) menjadi tantangan serius dalam tata kelola dan operasional Bank Pembiayaan Rakyat Syariah (BPRS). Penelitian ini bertujuan mengidentifikasi serta menentukan prioritas faktor internal yang menjadi akar penyebab risiko pembiayaan pada BPRS di Riau. Metode yang digunakan adalah Analytical Network Process (ANP) dengan melibatkan tiga kelompok responden: praktisi, regulator, dan pakar. Data diperoleh melalui wawancara mendalam dan kuesioner pairwise comparison, kemudian diolah menggunakan perangkat lunak Super Decisions. Hasil penelitian menunjukkan bahwa lima sub-klaster masalah internal SDM, kebijakan, kepatuhan, proses dan prosedur, serta manajemen memiliki bobot prioritas relatif setara menurut responden gabungan. Namun, kelompok praktisi dan regulator cenderung menempatkan masalah SDM sebagai faktor paling dominan. Nilai rater agreement yang berada pada kategori lemah hingga moderat menunjukkan beragamnya persepsi antar kelompok responden terhadap akar masalah pembiayaan. Temuan ini menegaskan bahwa pembiayaan bermasalah pada BPRS di Riau tidak hanya disebabkan oleh faktor eksternal, tetapi juga kuat dipengaruhi oleh kelemahan internal. Implikasi penelitian menekankan perlunya penguatan kompetensi SDM, penyempurnaan kebijakan pembiayaan, peningkatan kepatuhan syariah dan regulasi, serta perbaikan manajemen dan prosedur pembiayaan.
Supervision and Control of Sharia Banking in Indonesia: The Central Role of the Financial Services Authority (OJK) in Sharia Governance Hafidza Sanshia Arum; Muhammad Fadhli; Nurnasrina
JAWI : Journal of Ahkam Wa Iqtishad Vol. 3 No. 4 (2025): JAWI - DESEMBER
Publisher : MUI Kota Pekanbaru

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Abstract

The supervision and control of Islamic banking is a fundamental element in maintaining compliance with Islamic principles while ensuring the stability and sustainability of the Islamic finance industry in Indonesia. The rapid development of Islamic banking, fueled by digital innovation and the complexity of financial products, demands a supervisory system that is not only normative, but also adaptive and integrated. This study aims to comprehensively analyze the supervision and control mechanism of Islamic banking in Indonesia and identify the main challenges in its implementation. The research method used is a qualitative approach with a descriptive-analytical design through a literature study of regulations, sharia fatwas, official reports, and relevant scientific literature. Data analysis was carried out using content analysis techniques to assess the alignment between regulatory frameworks, supervisory practices, and sharia governance principles. The results of the study show that Indonesia already has a strong regulatory foundation through Law Number 21 of 2008, the role of the Financial Services Authority, the National Sharia Council-Indonesian Ulema Council, and the Sharia Supervisory Board. However, the effectiveness of supervision still faces challenges in the form of variations in DPS competencies, the lack of optimal harmonization between fatwas and technical regulations, limitations in sharia internal audits, and supervisory readiness in the face of digitalization and sharia fintech. This research emphasizes the need to strengthen sharia governance through improving the quality of human resources, integrating risk-based and technology-based supervision, and more effective institutional coordination to maintain the integrity and competitiveness of Islamic banking in Indonesia.
Co-Authors Addianata, Vydika Harya Ade Candra Adiyes Putra Adiyes Putra Adiyes Putra Adiyes Putra Adiyes Putra, Popi Afriyadi, Afriyadi Ahmad Faizol bin Ismail Al Farid, Hazwin Amalia Cahyati Amelia, Lili Andrian Saputra Anggraeni, Tuti Arif Mudi Priyatno Arif Rahman Azis, Fahnur Brillyandra, Fradini Bte Salman, Nola Fibriyani Cintia, Ardilla Damanik, Khairuddin Desfianti, Silvia Despileny, Iren Ernita, Mahdar Fauziah Fauziah Fauziah, Wiwin Fibriyani Bte Salman, Nola Fibriyani, Nola Fikri, Azizul Fitri Andina, Dwitya Furqon Nur Islamiati Hafidza Sanshia Arum Haniah Lubis Harahap, Ferri Sadillah Hazwin Hazwin Heri Sunandar Heri Sunandar Hertina Hertina Ichsanul Reihan Adel Irsya Putri Awana ISKANDAR Iskandar Iskandar Jefri, Gio Vani jenita jenita, jenita Jufendri, Jufendri Khaidir, Widya KHAIRUNISA, MADONA Khairunisa, Madona Kurnialis, Sri Kusnadi Lanni Afriani Pulungan Lu'luul Karimah, Luluk Lubis, Haniah Lubis, Nurhayati M Arie Pradina M Arie Pradina Mahyudin Syukri Mhd. Alisadikin Miftahurrazak, Muhammad Muhammad Fadhli Muhammad Syaipudin Mukhlis Mukhlis Mulia Sosiady Musnawati, Musnawati Nabela, Firdha Nanda Ega Rupita Nola Fibriani Bte Salman Nur Hasanah Nurhalimah Hanum, Siti Nurul Huda P. Adiyes Putra p. adiyes putra P. Adiyes Putra Palison, Aan Pebrianto, Erpindo Soni Popi Adiyes Putra Putra, Adiyes putra, p. adiyes Putra, Popi Adiyes Putra, Zulfadli Nugraha Triyan Putri, Joelia Nurhasanah Radi Erwandi Rahmawati, Fathira Rahmawati, Rahmawati Roikhani, Melati Julia Rozy, Vikri Rusmiati Rusmiati Sadillah, Ferri Salman, Nola Fibriani Binti Salman, Nola Fibriyani Bte SAPARUDDIN SAPARUDDIN Sapparudin, Sapparudin Saufi Saufi Sayuti, Abdulrahman Siti Aisyah Siti Aisyah Sunandar , Heri Sunandar, Heri Syahfawi, Syahfawi Syahpawi Syahpawi Syamsiar, Syamsiar Syamsurizal - - Tatang Astaruddin Trian Zulhadi Uliya, Zahrotul Wahyu Febri Ramadhan Sudirman Wulandari, Shevia Yuliana Yuliana