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All Journal International Journal of Islamic Business Management
Reni Ria Armayani Hasibuan
Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sumatera Utara, Medan
Economics, Econometrics & Finance

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TANTANGAN REGULASI DAN ETIKA FINTECH SYARI’AH DI ERA DIGITAL Rizki Fauziyah Nasution; Maya Anggraini Siregar; M.Rifq Al Fahrezi; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Perkembangan fintech syariah di era digital menunjukkan pertumbuhan yang signifikan, namun di sisi lain menghadirkan beragam tantangan regulasi dan etika yang perlu direspons secara komprehensif. Transformasi digital menuntut adanya kepastian hukum yang adaptif, terutama terkait perlindungan konsumen, integrasi teknologi berbasis kecerdasan buatan, transparansi transaksi, dan mekanisme kepatuhan terhadap prinsip syariah. Ketidaksesuaian antara kecepatan inovasi fintech dan proses regulasi sering menimbulkan celah hukum yang berpotensi menimbulkan risiko operasional maupun risiko syariah. Selain itu, tantangan etika seperti penyalahgunaan data pribadi, praktik pemasaran yang tidak sesuai kaidah syariah, hingga potensi gharar dalam layanan digital menjadi isu penting yang harus dikontrol. Di sisi lain, perkembangan ekosistem digital membuka peluang besar bagi optimalisasi instrumen keuangan syariah melalui model bisnis baru, seperti peer-to-peer lending syariah, pembayaran digital halal, serta integrasi smart contract dengan akad-akad syariah. Dengan demikian, penguatan sinergi antara regulator, pelaku industri, dan otoritas syariah menjadi kunci untuk menciptakan ekosistem fintech syariah yang aman, inklusif, beretika, dan tetap selaras dengan nilai-nilai syariah dalam menghadapi dinamika era digital.
KEMISKINAN DAN KETAHANAN PANGAN DI INDONESIA: TANTANGAN URBANISASI DAN PELUANG DIVERSIFIKASI PANGAN Jumhar Daulay; Nermelita Kaloko; Reni Ria Armayani Hasibuan; Siska Kumala Sari
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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The increasing urbanization in Indonesia has a significant impact on poverty and food security, especially in urban areas. The migration of people from rural areas to cities is not always followed by an increase in welfare due to limited formal employment opportunities, so many migrants work in the informal sector with low and unstable incomes. This condition increases the risk of urban poverty and weakens households’ ability to meet adequate and nutritious food needs. This study aims to analyze the relationship between urbanization, poverty, and food security in Indonesia and to examine the opportunities for food diversification as a strategy to strengthen urban food security. The research method used is a qualitative method with a descriptive approach. Data were obtained through literature studies, policy document analysis, and a review of previous research results relevant to the themes of poverty, urbanization, and food security. Data analysis techniques were carried out through data reduction, data presentation, and interpretive conclusions. The results of the study show that poverty is a major factor causing household food insecurity in urban areas, while food diversification through the use of local resources, urban agriculture, and agricultural technology innovations has the potential to strengthen food security in a sustainable manner.
PERAN USAHA MIKRO, KECIL DAN MENENGAH (UMKM) DALAM PENGEMBANGAN EKONOMI INDONESIA Delia Torsa Purba; Wafiyah Ningrum; Aryadanu Dalimunte; Misagi Mukhti Ginting; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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This study explores the contribution of Micro, Small, and Medium Enterprises (MSMEs) to Indonesia’s economic development by analyzing their role in GDP, employment absorption, regional business distribution, access to financing, and integration into global value chains. Employing a descriptive qualitative approach through literature review, this research utilizes national journals, government reports, and official statistical data. The findings reveal that MSMEs play a significant role in the national economy, contributing 61% to GDP and 97% to employment absorption. However, MSMEs continue to face several challenges, including limited capital, low levels of digitalization, insufficient human resource quality, and infrastructure disparities. Although MSME participation in export activities has increased, further integration into the Global Value Chain (GVC) and utilization of Global E-Commerce (GEC) are required. This study recommends capacity enhancement, digital transformation, expanded access to financing, and the development of a supportive business ecosystem to maximize the contribution of MSMEs to inclusive and sustainable national economic growth.
DAMPAK BENCANA ALAM TERHADAP POLA PERMINTAAN BARANG DAN FENOMENA PANIC BUYING DI MASYARAKAT Tukma Putri Tanjung; Revi Prastanti; Imam Syuhada; Rayhan Tambak Bintang; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Indonesia is a country prone to natural disasters such as floods, earthquakes, and landslides, which not only cause physical damage but also affect people’s economic behavior. During disasters, communities often experience anxiety about the availability of essential goods, leading to excessive purchasing behavior known as panic buying. This phenomenon was observed in several areas of North Sumatra, where residents rushed to buy large quantities of fuel (BBM) due to fears of shortages, even though the government had assured that distribution remained stable. This study aims to analyze the relationship between natural disasters and changes in demand patterns for goods, as well as to identify the factors that trigger panic buying among the public. The research uses a descriptive qualitative approach, utilizing secondary data from online news, official reports, and previous studies. The results show that natural disasters can disrupt the supply chain and decrease public confidence in the availability of goods. Psychological factors such as fear and uncertainty are the main drivers of panic buying, which can lead to temporary price spikes and market imbalances. Therefore, the government’s role in providing accurate information and ensuring the availability of goods is crucial to maintaining public stability during disaster situations.
Co-Authors Aryadanu Dalimunte Delia Torsa Purba Imam Syuhada Jumhar Daulay M.Rifq Al Fahrezi Maya Anggraini Siregar Misagi Mukhti Ginting Nermelita Kaloko Rayhan Tambak Bintang Revi Prastanti Rizki Fauziyah Nasution Siska Kumala Sari Tukma Putri Tanjung Wafiyah Ningrum