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All Journal Jurnal Ilmiah Ekonomi Islam Al-Kharaj: Journal of Islamic Economic and Business Jumat Keagamaan: Jurnal Pengabdian Masyarakat Jurnal Pelita Ilmu Jurnal Pengabdian Pelitabangsa Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Kisanda Midisen
Universitas Pelita Bangsa
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Green Financing: Peran Pembiayaan Berbasis Syariah dalam Transisi Energi Berkelanjutan di Indonesia Devina Firda Rahman; MH Ainulyaqin; Kisanda Midisen; Sakum; Yudianto Achmad
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 3 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i3.19683

Abstract

The sustainable energy transition has become a strategic agenda for Indonesia to achieve its New and Renewable Energy (NRE) mix target and net-zero emissions by 2060. However, renewable energy development still faces challenges, particularly the limited availability of long-term financing. This study aims to analyze the development of green financing in Islamic banking, its role in supporting the sustainable energy transition, and the challenges of its implementation. This research employs a qualitative method with a library research design. Data were collected from annual reports and sustainability reports of Islamic banks, publications of the Financial Services Authority (OJK) and the Ministry of Energy and Mineral Resources (ESDM), as well as relevant scientific journals. The findings indicate that green financing in Islamic banking showed positive development during 2022–2024, with total financing amounting to IDR 75,137.855 billion in 2022, IDR 66,585.894 billion in 2023, and IDR 73,845.327 billion in 2024. The financing was primarily directed toward renewable energy, energy efficiency, and environmentally friendly projects. However, its implementation still faces challenges related to regulations, sustainable finance literacy, and financing risks. This study concludes that Sharia-based green financing has significant potential to support the acceleration of Indonesia’s sustainable energy transition.
Use of Biometric Data on Crypto Platforms in the Perspective of Islamic Economics Dea Amanda Wulandari; Sukron Makmun; Kisanda Midisen; Sakum; MH Ainulyaqin
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.v8i2.10231

Abstract

Advances in digital technology, particularly in blockchain-based financial systems, have driven the increasingly widespread use of cryptocurrency in society. As the use of crypto platforms grows, security has become a primary concern, leading many platforms to adopt biometric authentication technologies such as fingerprint and facial recognition. This study aims to analyze the use of biometric data on crypto platforms and assess its suitability from an Islamic economic perspective. From an Islamic economic perspective, the use of biometric data on crypto platforms is fundamentally permissible because it does not involve elements of gharar, maysir, or riba; however, its use must adhere to the principle of benefit, protect privacy, and not cause harm to users. Thus, biometric technology is acceptable within the Islamic economy provided it is managed securely, transparently, and in accordance with Sharia principles.
Co-Authors Ai Ufi Lutfiatunnufus Ali Nur Ahmad Damayanti, Elok Dea Amanda Wulandari Devina Firda Rahman DJoko Nugroho Listian Indriyani Achmad M. Padly MH Ainulyaqien MH Ainulyaqin Mutiara Nurhalisa Jakaria Putri Sasmita Nenda Nenda Rini Setyowati Sakum Sakum Sarwo Edy Siti Juariah Siti Juariah Sukron Makmun Sukron Mamun Suratman Wira Syuhada Yudianto Achmad