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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Islamic Business and Finance (IBF)
Amrul Muzan
Universitas Islam Negeri Sultan Syarif Kasim Riau
Religion Economics, Econometrics & Finance Social Sciences

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Konversi Perbankan Syariah Dari Konvensional pada Bank Umum Milik Daerah di Indonesia Amrul Muzan; Nazla Fatimah Fatimah Hanani; Riska Riska
ISLAMIC BUSINESS and FINANCE Vol 3, No 1 (2022): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v3i1.17392

Abstract

The conversion of conventional banks to Islamic banks in Indonesia is one of the mechanisms for the structure of Islamic banks. That is a legal change from the conventional banking system to the Islamic banking system. The purpose of this study is to see an overview of the conversion process at the Regional Development Bank. Instant conversion can increase the amount of capital and assets of Islamic banking, but the conversion policy also raises the problem of an ineffective corporate governance mechanism model. The research method is descriptive qualitative, looking at the literature and banking reports that have been converted and are in the process of being converted to Islamic Banking. The results show that had successfully converted, some banks are in the process of converting and partially postponing. This article has implications for regional banks that want to convert to pay attention to banking problems that have been converted to Islamic Banking first.Keywords: conversion, Islamic bank, conventional bank
Hawalah in The Digital Age: The Role of Agents in Facilitating Modern Islamic Financial Transactions Amrul Muzan; Anna Zahara; Gina Muliana; Muhammad Abdi Zaini
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 17 No. 2 (2025)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i2.43309

Abstract

This research emphasizes the significance of hawalah in Islamic financial transactions in digital era driven by Islamic fintech. As technological advancements transform financial systems, hawalah remains crucial for facilitating Sharia-compliant international money transfers. This study examines the role of agents in ensuring Sharia compliance in digital hawalah transactions and explores the challenges and opportunities in its implementation. Using a qualitative approach, data were collected from financial agents, users, and regulators, with thematic analysis identifying key patterns. This research concluded that agents play a vital role in maintaining Sharia compliance and enhancing the efficiency of hawalah transactions in digital era. Regulatory challenges and shifts in consumer behavior pose significant hurdles. This study contribute to the formulation of policies and innovations in Islamic financial services. Keywords: hawalah digital; islamic financial agents; sharia compliance; financial transactions; technological innovation   Abstrak          Penelitian ini mengkaji signifikansi hawalah dalam transaksi keuangan syariah di era digital yang didorong oleh fintech syariah. Ketika kemajuan teknologi mengubah sistem keuangan, hawalah tetap penting dalam memfasilitasi transfer uang internasional yang sesuai dengan syariah. Studi ini menganalisis peran agen dalam memastikan kepatuhan syariah dalam transaksi hawalah digital dan mengeksplorasi tantangan dan peluang dalam penerapannya. Dengan menggunakan pendekatan kualitatif, data dikumpulkan dari agen keuangan, pengguna, dan regulator, dengan analisis tematik yang mengidentifikasi pola-pola utama. Penelitian menyimpulkan bahwa agen memainkan peran penting dalam menjaga kepatuhan syariah dan meningkatkan efisiensi transaksi hawalah di era digital. Namun, tantangan peraturan dan perubahan perilaku konsumen menimbulkan hambatan yang signifikan. Penelitian ini berkontribusi pada perumusan kebijakan dan inovasi dalam layanan keuangan syariah. Kata kunci: hawalah digital; agen keuangan syariah; kepatuhan syariah; transaksi keuangan; inovasi teknologi  
Co-Authors Anna Zahara Gina Muliana Muhammad Abdi Zaini Nazla Fatimah Fatimah Hanani Riska Riska