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All Journal ETIKONOMI Jurnal Keuangan dan Perbankan Trikonomika: Jurnal Ekonomi El Dinar Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) INFERENSI Journal of Accounting and Investment Al-Bayan: Jurnal Studi Al-Qur´an dan Tafsir Jurnal Ilmiah Ekonomi Islam AJIS : Academic Journal of Islamic Studies Economica: Jurnal Ekonomi Islam al-Uqud : Journal of Islamic Economics SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Al-Muzara'ah Jurnal Ekonomi & Keuangan Islam Majalah Ilmiah Bijak Dialog Review of Islamic Economics and Finance Bubungan Tinggi: Jurnal Pengabdian Masyarakat AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Journal of Islamic Economics and Finance Studies JOURNAL of LEGAL RESEARCH Muttaqien; Indonesian Journal of Multidiciplinary Islamic Studies Al-Mashrof: Islamic Banking and Finance Al-bank: Journal of Islamic Banking and Finance TAMWIL: Jurnal Ekonomi Islam LINGUISTIK TERAPAN Jurnal Lemhannas RI Jurnal Indonesia Sosial Sains Moneter : Jurnal Keuangan dan Perbankan IIJSE Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Indonesian Journal of Islamic Economic Law Al-bank: Journal of Islamic Banking and Finance
Euis Amalia
Universitas Islam Negeri Syarif Hidayatullah Jakarta
Religion Arts Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Physics Social Sciences Other

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TRANSFORMASI NILAI-NILAI EKONOMI ISLAM DALAM MEWUJUDKAN KEADILAN DISTRIBUTIF BAGI PENGUATAN USAHA KECIL MIKRO DI INDONESIA Amalia, Euis
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 3 No. 1 (2011)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v3i1.2497

Abstract

Distributive unfairness still appears in various aspects including government budget allocation policies in an attempt to develop a small micro entrepreneurs, either through the State Budget (APBN) and the allocation of bank financing to SMEs. The policies put forward the interests of big business are only owned by a handful of people. Whereas the majority of Indonesian people are in the small micro entepreneurs. Economic values of Islam inthis article attempted to be transformed in a number of policies and efforts of the stakeholders to implement the instruments of Islamic economics, free of ribâ, and put zakâh as the main tool of redistribution budgetDOI: 10.15408/aiq.v3i1.2497
MEKANISME PASAR DAN KEBIJAKAN PENETAPAN HARGA ADIL DALAM PERSPEKTIF EKONOMI ISLAM Amalia, Euis
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 5 No. 1 (2013)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v5i1.2552

Abstract

In contrast to conventional system, concept of Islamic economy emphasize that market mechanism and price arrangement need to be regulated to create market balance and economic justice, taking into consideration the interest of the parties involved in the market. Reasonable and fair price is the price obtained through the force of supply and demand. If there exist actions such as zhulm resulting distortion or imbalance market price, government needs to take steps to implement price arrangement taking into account factors causing distortion and restore the original price at the balance pointDOI: 10.15408/aiq.v5i1.2552
Comparing Efficiency and Productivity in Islamic Banking : Case Study Indonesia, Malaysia and Pakistan Rodoni, Ahmad; Salim, M. Arskal; Amalia, Euis; Rakhmadi, Rezki Syahri
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 9 No. 2 (2017)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v9i2.5153

Abstract

The objective of this research is to analyze both efficiency and productivity of  Islamic Banking Industry in Indonesia, Malaysia and Pakistan. The technique that used in this research is Data Envelopment Analysis (DEA) as for measuring efficiency and thus Malmquist Index (MI) as for measuring productivity. The result of this research found that Islamic Banking Industry in Indonesia is facing inefficiency that shown by five years average that is not reach 100% efficiency rate. Malaysia also experiences the problem of inefficiency but the condition is better compared to Indonesia. In five years, the efficiency rate of Malaysia Islamic Bank has not reach 100% efficiency rate. Pakistan among the closest country that could reach an efficient rate level for their Islamic banks. Pakistan close to reach 100% efficient rate within the last five years. DOI: 10.15408/aiq.v9i2.5153
Solusi Financial Technology Syariah Terhadap Persoalan Keuangan Anggota Koperasi Karyawan Ali, Nuruddin Muhammad; Amalia, Euis
Al-bank: Journal of Islamic Banking and Finance Vol 2 No 2 (2022): July - Desember 2022
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i2.6642

Abstract

This study is to seek Islamic financial solution for members of employee cooperative in a particular firm by using Financial Technology platform which meet sharia terms and conditions. Methodology is Using the existing literature on FinTech and incorporating these contributions into a traditional Islamic financial structure, characteristics are outlined and placed into a framework that describes the industry. The findings that Islamic P2P Financing could propose a solution for financial problem faced by employee who need with limited amount for short period of time which Islamic banks could not provide. The findings of the study serve as a reference to industry players and regulators in formulating peer to peer financing for employee cooperative members and other similar cooperatives. This paper contributes by defining FinTech in Islamic finance and proposes term peer to peer financing instead of peer to peer lending which is not suitable with the nature of Islamic finance.
Contractual-based Islamic crowdfunding model for sustainable agricultural financing Fahlevi, Rizal; Hosen, Muhammad Nadratuzzaman; Amalia, Euis
Jurnal Ekonomi & Keuangan Islam Volume 12 No. 1, January 2026
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol12.iss1.art2

Abstract

Purpose – This study develops a Sharia-compliant crowdfunding model based on digital technology that integrates four principal contracts in Islamic jurisprudence (salam, istisna’, muzara’ah, and musaqah) to enhance the relevance and effectiveness of agricultural financing in Indonesia.Methodology – Using a qualitative exploratory approach, we combine relevant literature and content analyses of agricultural crowdfunding campaigns. The model’s internal validity is reinforced through triangulation involving Islamic legal theory, and nationally recognized Sharia regulatory guidelines issued by the Indonesian National Sharia Council (DSN-MUI). Empirical campaign data. were obtained from 15 agricultural crowdfunding campaigns published during 2021-2024 period and validated through thematic analysis and triangulation across documents and campaign reports.Findings – The findings reveal that most existing campaigns rely on single contracts, such as salam or murabahah, which are inadequate for the seasonal and high-risk nature of agriculture. The proposed multi-contract model offers a more equitable and Sharia-aligned financing framework that accommodates joint risk sharing and production-based returns. Furthermore, digital integration allows for the development of more inclusive, adaptive, and dynamic contracts.Implications – Theoretically, this study contributes to the Islamic finance literature by introducing a risk-sharing, partnership-oriented financing framework tailored to the agricultural sector. Practically, the model provides actionable insights for Sharia-compliant crowdfunding platforms and financial regulators to promote inclusive and sustainable agricultural finance.Originality – This study contributes to the literature by proposing a conceptual model of multi-contract agricultural crowdfunding, a novel approach that bridges normative Sharia principles with empirical evidence in the context of Islamic digital financial innovation.
Analysis Cash On Delivery Cost Efficiency on Shopee Sharia Based Ethical Perspective User Satisfaction Juang, Muhammad Juang Harfian; Euis Amalia; Roikhan Mochamad Aziz
Al-Mashrof: Islamic Banking and Finance Vol. 6 No. 2 (2025): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/h7twcb25

Abstract

This study examines the efficiency of Cash On Delivery (COD) handling costs and their impact on user satisfaction within Indonesia’s digital marketplace, framed within the context of Islamic fintech and sharia-based financial ethics. In Islamic financial systems, payment mechanisms are required to uphold the principles of justice, transparency, mutual consent, and social welfare. Using a quantitative approach, data were collected from 210 Shopee users and analyzed through Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal a significant negative relationship between COD handling costs and user satisfaction, indicating that higher and less transparent costs reduce perceived value and consumer trust. These results highlight that cost efficiency grounded in sharia ethical principles is essential for strengthening consumer protection and sustaining the credibility of Islamic fintech ecosystems.   Keywords: Cash On Delivery Efficiency, Handling Cost Analysis, User Satisfaction, Consumer Trust, Ethical Business Values
Accelerating Economic Transformation through Strengthening Halal Food Downstream Competitiveness for National Resilience Amalia, Euis; Hanafi, Muhammad
Jurnal Lemhannas RI Vol 13 No 4 (2025)
Publisher : Lembaga Ketahanan Nasional Republik Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55960/jlri.v13i4.1175

Abstract

Purpose: This study explores the integration between food downstreaming and the halal industry through value chain integration theory, industry competitiveness concept and astagatra national resilience perspective. Study Design/Methodology/Approach: The research was conducted using a qualitative descriptive method. Data were collected through systematic literature analysis and interviews with various experts in the fields of economics and wealth sources. The descriptive-analytical analysis was conducted using the framework or concepts of Porter's diamond model, CRT, SWOT (EFAS and IFAS), and TOWS. Findings: The Porter's Diamond Model analysis shows that the halal food downstreaming industry in Indonesia is not yet fully competitive, with the CRT analysis identifying four root causes. Then, based on the SWOT analysis, the coordinates (2.43; 2.78) were obtained, indicating the need for a "turnaround" strategy. Originality/Value: This study present national strategy to enhance halal food downstreaming based on the value chain integration theory. Indonesia needs to expand market penetration through trade diplomacy, product diversification, culinary-based branding, and credible halal certification. The government needs to develop industrial clusters, provide incentives for supporting industries, partner with research institutions and universities, and adopt international standards. Furthermore, capacity building and awareness among MSMEs need to be strengthened through national-scale training. Finally, cross-sector policy integration needs to be improved.
Analysis Indonesian Sharia Banks' Readiness to Face the Evolution of Financial Technology-Based Sharia Financial Services in Indonesia Harfian, Muhammad Juang; Amalia, Euis; Terminanto, Ade Ananto; Rizal, Sofyan; Aziz, Roikhan Mochamad; Febriansyah, Febriansyah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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

Abstract

The purpose of this study is to assess the level of readiness and steps taken by Bank Syariah Indonesia (BSI) in responding to the development of Financial Technology-based financial services. The research method used is descriptive qualitative by collecting data through observation, interviews, and documentation. The results of the study indicate that Bank Syariah Indonesia (BSI) has prepared itself by considering the Slameto concept, which includes aspects of readiness to meet demands and goal motivation as well as physical, mental, and emotional balance. In addition, the study also discusses efforts in building technology to improve employee skills and knowledge, especially in the areas of security, risk, and fraud, which have been achieved through Core System Modernization, Connectivity and Infrastructure, Monitoring and Management of Combined Data, Structure, Business Mentoring, and Internal Improvement, as well as through Unifled Platform & Customer 360 and Digital Expansion & Open Banking. All of this aims to improve employee quality through training to adapt to the digital era, develop human resources, improve security and infrastructure, and expand Bank Syariah Indonesia's (BSI) digital network.
The Innovation of Islamic Finance in The Era of Digital Transformation: A Multidisciplinary Analysis of Opportunities and Challenges in Southeast Asia Amalia, Euis
Muttaqien Indonesian Journal of Multidiciplinary Islamic Studies
Publisher : Muttaqien Publishing, Lembaga Penelitian dan Pengabdian kepada Mayarakat (P3M) STAI DR. KH.EZ. Muttaqien Purwakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52593/mtq.07.1.01

Abstract

The global Islamic finance industry has experienced significant growth with assets reaching $3.8 trillion, yet faces major challenges in integrating digital technology while maintaining Shariah compliance. This study aims to analyze the opportunities and challenges of Islamic finance innovation in the era of digital transformation with a focus on the Southeast Asian region. This research employs a qualitative descriptive-analytical approach using literature review methodology, collecting data from the State of Global Islamic Economy Report, annual reports of Islamic financial institutions, and related academic publications. The analysis synchronizes digital technology developments with the principles of Maqasid al-Shariah. The results show that blockchain and fintech technologies can improve operational cost efficiency by 20-30% while strengthening transparency and Shariah compliance. However, significant challenges include regulatory gaps, debates on the legal status of cryptocurrency, and low digital financial literacy among rural Muslim communities (49% in Indonesia). This study concludes that the successful digital transformation of Islamic finance requires collaboration between scholars, technologists, and regulators to develop a comprehensive framework.
Co-Authors Abd. Hamid Abdul Hamid Abdul Hamid Ade Sopyan Mulazid Ady Cahyadi, Ady Ahmad Afif Ahmad Rodoni Ali, Nuruddin Muhammad Amilin Amilin, Amilin Anni Holila Pulungan Apriyanto, Mulono ASEP DADAN SUGANDA Asyari Hasan, Asyari Baharuddin, Didin Dede Abdul Fatah Deni Lubis Desmadi Saharuddin, Desmadi Dwi Yunanto, Dwi Enayatullah, Imam Haroki Fahlevi, Rizal Farid Muttaqin, Farid Febriansyah Febriansyah Hafid Asy’ari Hamdani Anwar Haniatunnisa, Siti Hardiansyah Harfian, Muhammad Juang HUSNI SHABRI Ihwana As’ad Iiz Izmuddin Indra Rahmatullah, Indra Irianti, Dwi Juang, Muhammad Juang Harfian Katamsi, Etom Lena Farsiah M. Arief Mufraini M. Arskal Salim M. Arskal Salim M. Cholil Nafis Mahmudah Atiqah Mahmudah Atiqah Mohamad Abdun Nasir Mohammad Nur Rianto Al Arif Muchtar, Masruri Mufraini, M. Arief Muhamad Nadratuzzaman Hosen Muhammad Hanafi Muhammad Maksum Muhammad Nadratuzzaman Hosen Muhammad Yasser Kahfie Musa, Eltom Ishaq Osman Nadratuzzaman, Muh. Nur Hidayah Nur Hidayah Nur Rohim Nuruddin Muhammad Ali PUJIONO Puspita, Desy Putra, Reza Hendra Rahmad . Husein Rahmad Syah Putra Rakhmadi, Rezki Syahri Refky Fielnanda Rezki Syahri Rakhmadi RINI RINI Roikhan Mochamad Aziz, Roikhan Mochamad Sabbahatun, Sri Sofyan Rizal, Sofyan Sri Juminawati Sufiyanto, Mohammad Imam Sulistiawati, Nila Terminanto, Ade Ananto Trimulato Trimulato Wahyudi, Ickhsanto Wiwik Handayani Wuri Ratna Hidayani