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Waqf Blockchain in Indonesia Lu'liyatul Mutmainah; Nurwahidin; Nurul Huda
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol 14 No 1 (2021): 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.v14i1.129

Abstract: The emergence of innovation in the world of digital finance in recent years has received attention from various parties commonly known as financial technology. This innovation is in the form of crowdfunding and blockchain platforms. These two innovations can not only be used for commercial, but also social purposes, including waqf. There is a huge potential of cash waqf in Indonesia. However, the realization is relatively still low. This study aims to analyze at a glance waqf blockchain in Indonesia that can optimize the realization of waqf development in Indonesia. Qualitative research methods is used in this paper through the study of literature. The results of the study show that Indonesia is very likely to implement waqf blockchain because the Muslim population reaching more than 80%, the flexible concept of waqf fiqh and the emergence of the halal industry. The most challenges faced are related to waqf literacy to increase public awareness. Investigating about perceived intention to use waqf blockchain through questionnaire and a deep interview with the stakeholders is important for the future research. Keywords: technology, blockchain, waqf.

Determinants of Return On Asset (ROA) at Sharia Commercial Banks 2016 – 2021 Muhammad Irwin Muslimin; Nurwahidin; Mulawarman Hannase
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.669

ROA is a ratio that serves to assess a company's ability to make a profit. The amount of ROA can be influenced by many things such as NPF, FDR, and CAR. This study aims to find the effect of NPF, FDR, and CAR on ROA at Islamic Commercial Banks (BUS) in 2016-2021. This research uses a two-stage analysis. The first stage will use multiple linear analysis with the Ordinary Least Square method to find the influence between variables, then the second stage will examine the ROA scheme in Islamic banking, and whether it is in accordance with Islamic principles. The results showed that NPF had a significant negative impact on ROA, FDR had an insignificant positive impact on ROA, and CAR had a significant positive impact on ROA. The results of the calculation of the coefficient of determination show that NPF, FDR, and CAR affect ROA by 78.78% while the rest is explained by other variables that are not taken into account in the study. In addition, the ROA business scheme is in accordance with existing Sharia aspects because nothing is violated in Sharia principles, and the existence of DPS is one of the factors the researchers believe that this business model is in accordance with Sharia values. This research is useful to determine the effect between ROA variables and to find out whether business schemes with ROA are in accordance with Sharia.

Determinants of Return On Asset (ROA) at Sharia Commercial Banks 2016 – 2021 Muhammad Irwin Muslimin; Nurwahidin; Mulawarman Hannase
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.669

ROA is a ratio that serves to assess a company's ability to make a profit. The amount of ROA can be influenced by many things such as NPF, FDR, and CAR. This study aims to find the effect of NPF, FDR, and CAR on ROA at Islamic Commercial Banks (BUS) in 2016-2021. This research uses a two-stage analysis. The first stage will use multiple linear analysis with the Ordinary Least Square method to find the influence between variables, then the second stage will examine the ROA scheme in Islamic banking, and whether it is in accordance with Islamic principles. The results showed that NPF had a significant negative impact on ROA, FDR had an insignificant positive impact on ROA, and CAR had a significant positive impact on ROA. The results of the calculation of the coefficient of determination show that NPF, FDR, and CAR affect ROA by 78.78% while the rest is explained by other variables that are not taken into account in the study. In addition, the ROA business scheme is in accordance with existing Sharia aspects because nothing is violated in Sharia principles, and the existence of DPS is one of the factors the researchers believe that this business model is in accordance with Sharia values. This research is useful to determine the effect between ROA variables and to find out whether business schemes with ROA are in accordance with Sharia.

Halal Clauses in the Agreement on Reciprocal Trade (ART) between Indonesia and the United States: Sharia Perspectives and Indonesia's Halal Policy Qiwamudin; Nur Fatwa; Nurwahidin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10608

This study aims to analyze the comparison and conformity between Indonesian halal regulations and halal clauses in the Agreement on Reciprocal Trade (ART) articles 2.9 and 2.22 between the Republic of Indonesia and the United States. The analysis in this study uses a normative juridical method with a statutory approach, a comparative approach and a conceptual approach, this study dissects nine points in the halal clause of the ART. The results of the study show that there is a significant disparity in norms, namely three paragraphs declared appropriate, two partially contradictory paragraphs, and four absolute contradictory paragraphs because it is not in accordance with Indonesian halal regulations, especially related to the labeling of non-halal products and the elimination of halal supervisors. Judging from Hans Kelsen's sovereignty theory, Indonesia has the legal capacity to maintain its national standards to protect citizens, which is emphasized through the Decree of the Head of BPJPH No. 221 of 2025 regarding foreign halal certification. In sharia principles, the rejection of contradictory clauses is the implementation of the rules of Dar'ul Mafāṣid Muqaddam 'Alā Jalbil Maṣāliḥ in order to ensure halal certainty and the protection of Indonesian Muslims.

Dynamics of the Development of the Middle Eastern Education System and Its Implementation in Indonesia Facing the Era of Society 5.0 Afifi Marzuki Muslim; Nurwahidin; Mulawarman Hannase; Amany Burhanuddin Umar Lubis
Jurnal Sosiologi Pendidikan Kolaboratif Vol. 1 No. 1 (2024): Jurnal Sosiologi Pendidikan Kolaboratif
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jspk.v1i1.727

Middle Eastern and Islamic civilizations are very complex civilizations, from the classical to the modern period. The dynamics of education in the portrait of Middle Eastern and Islamic civilizations are also very diverse. Its influence has had a tremendous impact on regional and even global civilizations. In the midst of the rapid and massive development of the world. Even though society has not finished adjusting to the Industrial Revolution 4.0, Japan introduced the idea of society 5.0. This is in accordance with the objectives of the SDGs which are being achieved in a global context including the field of education. However, Indonesia still has a lot of work to be done in the education system in Indonesia. So it is hoped that through this article researchers can see the relevance of the development of the world of education with the idea of society 5.0 in Indonesia along with its implementation.

Empowering Indonesia's Halal Cosmetics: Strategies for Industry Development Cahyania Nursyabani; Nurwahidin
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.3057

The halal cosmetics industry is experiencing significant growth and increasing consumer demand for products that meet halal standards. With the majority of Indonesia's population being Muslim, Indonesia has great potential to become a global leader in the production of halal cosmetics. Meanwhile, existing research primarily focuses on consumer behaviour in the halal cosmetics market. This study aims to formulate strategies to accelerate Indonesia's halal cosmetics industry. Literature studies from various scientific sources relevant to the research objectives are analysed using the SWOT (Strengths, Weaknesses, Opportunities, and Threats) analysis framework. The results showed that five strategies could be implemented to accelerate the halal cosmetics industry in Indonesia, including 1) Clarifying regulations, standardisation, and policies; 2) Developing and empowering the halal cosmetics industry; 3) Performing product differentiation and marketing; 4) Developing human resources; and 5) Increasing public literacy. With the implementation of appropriate strategies, Indonesia's halal cosmetics industry is expected to accelerate significantly in the next few years.

The Impact of Green Banking on the Stability and Profitability of Islamic Banking in Indonesia Muhamad Haris; Nurwahidin; Veithzal Rivai Zainal
Journal Research of Social Science, Economics, and Management Vol. 6 No. 1 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v6i1.1679

Green financing is a key instrument in the implementation of green banking, supporting environmental sustainability while also having the potential to influence banks' financial performance. This study analyzed the impact of green banking on the stability and profitability of Islamic banks in Indonesia. The sample comprised 17 Islamic commercial banks, yielding 97 bank-year observations over the 2019–2025 period. Annual data were obtained from the annual and sustainability reports of each bank. Green banking was proxied by the ratio of green financing to total financing, whereas bank stability and profitability were measured using the equity-to-total-assets (ETA) ratio and return on assets (ROA), respectively. The study employed fixed-effects panel data regression with standard errors clustered at the bank level. The results indicated that green financing had a positive and significant effect on bank stability but a negative and statistically insignificant effect on profitability. Banks with stronger capital adequacy and greater operational efficiency also exhibited higher levels of stability and profitability. These findings suggest that the benefits of green financing are reflected initially in enhanced bank resilience, whereas its effect on profitability may take longer to materialize. Therefore, Islamic banks should expand green financing in a prudent manner while continuing to strengthen their capital base, improve operational efficiency, and enhance financing risk management.

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