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All Journal Ulul Albab: Jurnal Studi Islam IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam
Shofia Mauizotun Hasanah
Universitas Islam Negeri Mataram
Religion Arts Humanities Economics, Econometrics & Finance

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PENGARUH TEKNOLOGI KEUANGAN DAN KUALITAS LAYANAN DIGITAL TERHADAP KEPUASAN NASABAH PADA BANK SYARIAH INDONESIA KCP MASBAGIK Vina Yolanda; Riduan Mas’ud; Shofia Mauizotun Hasanah
IQTISHADUNA Vol. 13 No. 1 (2022): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (865.583 KB)

Abstract

This study aims to determine the effect of financial technology and digital service quality at BankSyariah Indonesia KCP Masbagik on customer satisfaction either partially or simultaneously. Andwhat is used in this study is primary data obtained directly from the answers of 100 respondentswho are customers of Bank Syariah Indonesia KCP Masbagik who use digital service facilitiessuch as BSI Mobile, BSI Internet Banking, BSI SMS Banking, and ATM. The analytical methodused is multiple linear regression analysis method. The results show that (1) the significance levelof the financial technology variable (X1) is 0.097, which is smaller than = 0.1. So it can beconcluded that Ho is rejected and Ha is accepted, which means that the financial technologyvariable (X1) has a significant effect on customer satisfaction. (2) the level of significance of thedigital service quality variable (X2) is 0.006 which is smaller than = 0.1. So it can be concludedthat Ho is rejected and Ha is accepted, which means that the digital service quality variable (X2)has a significant effect on customer satisfaction. (3) the acquisition of the Fcount value of 8.789with a Sig value of 0.000. Which hereby indicates that the value of Fcount is greater than thevalue of Ftable and the value of Sig is less than 0.1. It can be concluded that Ho is rejected andHa is accepted. This shows that financial technology and digital service quality together have asignificant influence on customer satisfaction. (4) the value of R2 (R Square) is 0.625 or 62.5%.These results show that the influence of financial technology and digital service quality oncustomer satisfaction is 62.5%. So it can be concluded that the independent variable used in thismodel is able to explain the dependent variable of 62.5%. While the remaining 37.5% isinfluenced by other variables that are not included in this research model
FUNDING COMPATIBILITY OF THE HALAL INDUSTRY BASED ON THE ABNORMAL RATE OF ISSI STOCK RETURN Nurul Susianti; Shofia Mauizotun Hasanah; Intan Kusuma Pratiwi
ULUL ALBAB Jurnal Studi Islam Vol 23, No 1 (2022): Islamic Law and Economic
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ua.v23i1.15706

Abstract

This article aims to test the suitability of sharia funding by referring to the MUI Fatwa on the halal industry in the Indonesian capital market with a benchmark of sharia compliance based on. Event study before and after the Covid-19 pandemic, where the focus of the problem and the hypothesis of this research is on whether there is a change in the level of abnormal Return of the 30 ISSI stock samples. Observations were made before the government's announcement about Covid-19 pandemic, which was around the end of january 2020 and after entering the new normal, which was around the beginning of August 2020. The results of this study indicate that the significant figures both before and after the Covid-19 pandemic on ISSI sharia shares are less than 0.05, which means that ISSI shares do not have abnormal returns, so the research results are in line with the MUI Fatwa Article 5 concerning Securities Transactions. Article 5 discusses transaction mechanisms that are not allowed such as gharâr, maysîr, usurî, and risywah speculating and manipulation. To be appropriate because what is meant by abnormal returns in the capital market is often influenced by speculation and manipulation so that prices are no longer reasonable. The research hypothesis is rejected as an alternative to continuously to trust investor funding in the Indonesian islamic capital market industry. 
THE ROLE OF WAQAF MICRO-AHMAD TAQUIDDIN MANSYUR BANK IN EMPOWERING THE ECONOMY OF THE COMMUNITY OF BONDER VILLAGE, PRAYA BARAT DISTRICT, LOMBOK CENTRAL DISTRICT Asnawijaya; Naili Rahmawati; Shofia Mauizotun Hasanah
IQTISHADUNA Vol. 13 No. 2 (2022): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v13i2.6188

Abstract

Berbagai upaya telah dilakukan pemerintah untuk menekankan angka kemiskinan masyarkat, salah satu pendekatan yang dilakukan pemerintah adalah memfasilitasi program pembiayaan yang dilakukan oleh seluruh lembaga perbankan di indonesia, guna membantu para pelaku usaha mikro, kecil dan menengah (UMKM) yang mengalami kendala dalam hal kekurangan modal usaha. Bank tradisonal menawarkan pembiayaan dengan bunga, termasuk riba. Untuk itu, Otoritas Jasa Keuangan menggandeng LAZ BSM (lembaga amil zakat bank syariah mandiri) untuk menciptakan produk keuangan bebas riba yaitu Bank Waqaf Mikro Ahmad Taqiuddin Mansyur. Namun tidak mudah untuk memahami apakah Bank Waqaf Mikro Ahmad Taqiuddin Mansyur berdampak positif bagi perkembangan ekonnomi masyarakat. Jenis dalam penelitian ini menggunakan Metode deskriptif kualitatif, metode pengumpulan data yang digunakan adalah metode observasional, wawancara dan dokumentasin dan teknik analisi data. Hasil penelitian menunjukkan bahwa Bank Waqaf Mikro Ahmad Taqiuddin Mansyur telah memberikan dampak positif bagi pemberdayaan ekonomi masyarakat. Hal ini dibuktikan dengan sudah diterapkannya tiga konsep antara lain Enabling, Empowering dan Protecting, selain itu masyarakat juga dapat menimba ilmu dari pengelola Bank waqaf mikro tentang kewirausahaan, dan ajaran Islam dari anggota atau kelompok lain.
Opportunities And Challenges Of Islamic Banking In Indonesia In The Digital Era Choirunnisak Nisa; Mohamad Irsyad; Shofia Mauizotun Hasanah
IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Vol. 16 No. 2 (2025): IQTISHADUNA: Jurnal Ekonomi Dan Keuangan Islam
Publisher : Universitas Islam Negeri Mataram

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

Abstract

This study aims to identify the opportunities and challenges faced by Islamic banking in the digital era and to formulate strategic steps for its development. The digital transformation characterized by the emergence of technologies such as artificial intelligence (AI), blockchain, the Internet of Things (IoT), and big data has revolutionized the global financial system, including the Islamic banking industry. Using a library research approach, data were collected from various scientific literatures such as journals, books, and official reports related to digital Islamic economics and finance. The findings indicate that digitalization presents significant opportunities for Islamic banking to enhance operational efficiency, expand financial inclusion, and foster innovation in products based on Sharia principles—such as mobile banking, halal e-wallets, and Sharia-based crowdfunding platforms. Nevertheless, several challenges persist, including limited Sharia digital literacy, cybersecurity threats, insufficiently skilled human resources (HR) in both technology and Sharia disciplines, and the need for adaptive digital regulations and fatwas. To address these issues, this research recommends several strategic steps: developing a digital transformation roadmap, strengthening infrastructure and cybersecurity, improving digital literacy, developing Sharia digital human resources, fostering collaboration between Islamic banks and fintech, and harmonizing regulations and fatwas with technological developments. The study concludes that the success of digital transformation in Islamic banking largely depends on the synergy between technology, Sharia principles, and strong regulatory support, in order to realize an inclusive, efficient, and sustainable Islamic financial system in the digital age.
Co-Authors Asnawijaya Choirunnisak Nisa Intan Kusuma Pratiwi Mohamad Irsyad Naili Rahmawati Nurul Susianti Riduan Mas’ud Vina Yolanda