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All Journal Journal of Islamic Economics and Finance Urwatul Wutsqo : Jurnal Studi Kependidikan dan Keislaman
Khairul Umam Khudhori
Institut Agama Islam Negeri Curup
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Analisis Kebutuhan Pengguna Lulusan Program Studi Perbankan Syariah Di Kabupaten Rejang Lebong Noprizal Noprizal; Andriko Riko; Khairul Umam Khudhori
Urwatul Wutsqo: Jurnal Studi Kependidikan dan Keislaman Vol. 11 No. 2 (2022): September
Publisher : Lembaga Penelitian, Penerbitan dan Pengabdian Masyarakat (LP3M) IAI Al Urwatul Wutsqo - Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54437/urwatulwutsqo.v11i2.606

Abstract

This study aims to reveal in what positions graduates of the Islamic banking study program are placed. The needs of graduates of the Islamic banking study program are what users want, and where do graduates of the Islamic banking study program work? Until the end of 2018, the Islamic banking study program had completed 542 graduates. This research is field research that uses a qualitative descriptive analysis approach. The subjects of this research are alumni of Islamic banking study programs, both those who work in government, private and entrepreneurial institutions. Alumni users, both from schools and government and private institutions. The determination of research subjects as respondents is by incidental techniques combined with snowball techniques. The research was conducted in the Rejang Lebong Regency. The main data sources are Islamic banking alumni and graduate users. The research succeeded in revealing that (1) Islamic banking graduates work in bank financial institutions, non-banks, and other non-financial economic institutions. (2) The needs of stakeholders for graduates of the Islamic banking study program are still classified as very potential. (3) The position of Islamic banking alumni is still very general, such as administrative staff, cashiers, customer service, tellers, operators, and other temporary employees. It's just that of the many respondents, some have quite prestigious positions, namely lecturers, cooperation and capital analysts, BMT managers, and other positions that are almost similar to him
STUDI LITERATUR SISTEM KEAMANAN BIOMETRIK UNTUK VERIFIKASI MOBILE BANKING BANK SYARIAH Adilla Nadzifatuz Zahra; Khairul Umam Khudhori; Ranaswijaya Ranaswijaya; Apriyani Lestari
Journal of Islamic Economics and Finance Vol. 2 No. 2 (2025): November
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/joieaf.v2i2.3199

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan sistem keamanan biometrik dalam verifikasi mobile banking pada bank syariah serta mengevaluasi efektivitas, tantangan, dan relevansinya berdasarkan perspektif keamanan, prinsip syariah, dan regulasi hukum positif. Metode penelitian yang digunakan adalah studi literatur dengan pendekatan deskriptif kualitatif, yang menelaah berbagai referensi ilmiah, dokumen hukum, hasil penelitian terdahulu, serta data implementasi biometrik pada bank syariah di Indonesia seperti BSI, BCA Syariah, dan Bank Mega Syariah. Hasil penelitian menunjukkan bahwa teknologi biometrik memberikan tingkat keamanan yang lebih tinggi dibandingkan metode tradisional seperti PIN dan OTP karena berbasis ciri biologis yang unik, sulit dipalsukan, dan praktis digunakan. Penerapan biometrik juga dinilai sesuai dengan prinsip hifz al-mal dalam maqashid syariah dan didukung oleh regulasi hukum seperti Undang-Undang Perlindungan Data Pribadi (UU No. 27 Tahun 2022). Namun, implementasi biometrik menghadapi tantangan berupa risiko kebocoran data, ketergantungan teknologi perangkat, dan isu etika privasi. Simpulan penelitian ini menunjukkan bahwa biometrik efektif meningkatkan keamanan verifikasi mobile banking bank syariah, namun perlu diimbangi dengan perlindungan hukum, edukasi nasabah, dan dukungan infrastruktur teknologi agar implementasinya optimal, aman, dan sesuai prinsip syariah.
Co-Authors Adilla Nadzifatuz Zahra Andriko Andriko Apriyani Lestari Loni Hendri Noprizal Noprizal Ranaswijaya Ranaswijaya