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All Journal Jurnal Pengolahan Hasil Perikanan Indonesia Publikasi Pendidikan Jurnal Sains dan Pendidikan Fisika Al-'Adalah Teknosains: Media Informasi Sains dan Teknologi SELAMI IPS Business UHO: Jurnal Administrasi Bisnis Journal Of Teaching Of English PENDIDIKAN FISIKA Jurnal Sains dan Teknologi Pangan JEP (Jurnal Ekonomi Pembangunan) GARIS Jurnal Mahasiswa Jurusan Arsitektur Diwan : Jurnal Bahasa dan Sastra Arab KAREBA : Jurnal Ilmu Komunikasi JURNAL PENDIDIKAN FISIKA Jurnal Mirai Management Elementary: Jurnal Ilmiah Pendidikan Dasar JFMR (Journal of Fisheries and Marine Research) Jurnal Bina Praja Jurnal Matematika Sains dan Teknologi Ilmu Budaya: Jurnal Bahasa, Sastra, Seni, dan Budaya Jurnal IPA Terpadu Kinerja: Jurnal Ekonomi dan Manajemen SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Jurnal Noken: Ilmu-Ilmu Sosial JOURNAL OF APPLIED INFORMATICS AND COMPUTING PROSIDING SEMINAR NASIONAL AGRIBISNIS Journal of Basication (JOB) : Jurnal Pendidikan Dasar Aquasains : Jurnal Ilmu Perikanan dan Sumberdaya Perairan Al-Madrasah: Jurnal Ilmiah Pendidikan Madrasah Ibtidaiyah GUIDENA: Jurnal Ilmu Pendidikan, Psikologi, Bimbingan dan Konseling Martabe : Jurnal Pengabdian Kepada Masyarakat Jurnal Penelitian dan Pengabdian Kepada Masyarakat UNSIQ Journal of Agribusiness and Community Empowerment (JACE) Saintifik : Jurnal Matematika, Sains, dan Pembelajarannya PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal Arajang Jurnal Dedikasi Pendidikan Jurnal Abdimas PHB : Jurnal Pengabdian Masyarakat Progresif Humanis Brainstorming Jurnal Penyuluhan Perikanan dan Kelautan Jurnal Pendidikan dan Konseling Jurnal el-Qanuniy: Jurnal Ilmu-Ilmu Kesyariahan dan Pranata Sosial International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ekonomi Manajemen Sistem Informasi Soedirman Economics Education Journal Jurnal Idiomatik: Jurnal Pendidikan Bahasa dan Sastra Indonesia Revenue: Jurnal Manajemen Bisnis Islam Jurnal Ilmiah Profesi Pendidikan Jurnal Pendidikan Kewarganegaraan Jurnal Paedagogy Istinbath : Jurnal Hukum Jurnal Ilmiah Ilmu Administrasi Jurnal Penelitian Pendidikan Fisika Tekper: Jurnal Teknologi dan Manajemen Industri Pertanian MURHUM : JURNAL PENDIDIKAN ANAK USIA DINI JOURNAL OF LANGUAGE DIMAR: Jurnal Pendidikan Islam International Journal of Business, Law, and Education Al-Mashrof: Islamic Banking and Finance Jurnal Pendidikan dan Pembelajaran Indonesia (JPPI) Jurnal Riset dan Inovasi Pembelajaran Wal'afiat Hospital Journal Journal Peqguruang: Conference Series International Journal of Education, Social Studies, And Management (IJESSM) Kabanti : Jurnal Kerabat Antropologi Buletin Jalanidhitah Sarva Jivitam Jurnal Abdimas Akademika Bulletin of Community Engagement Jurnal Altifani Penelitian dan Pengabdian kepada Masyarakat Jurnal Bisnis Mahasiswa CALGOVS (LOCAL POLITIC AND GOVERNMENT ISSUES) Jurnal Bina Bangsa Ekonomika Pedagogy : Jurnal Pendidikan Matematika Journal Of Human And Education (JAHE) Jurnal Locus Penelitian dan Pengabdian JURNAL PABEAN : PERPAJAKAN BISNIS EKONOMI AKUNTANSI MANAJEMEN Journal of General Education and Humanities Agrikan: Jurnal Agribisnis Perikanan Journal of Educational Sciences Global Journal Basic Education Jurnal Ilmiah Penyuluhan dan Pengembangan Masyarakat Kybernology : Journal of Government Studies JoEELE QISTINA: Jurnal Multidisiplin Indonesia IJCIED Jurnal Ekonomi Syariah Indonesia e_Jurnal Ilmiah Riset Akuntansi Innovative: Journal Of Social Science Research Priviet Social Sciences Journal PAMARENDA : Public Administration and Government Journal Bata Ilyas Journal of Accounting JEP (Jurnal Ekonomi Pembangunan) Jurnal Pengabdian Masyarakat Bangsa Wiratani : Jurnal Ilmiah Agribisnis Shawtul ‘Arab: Jurnal Pendidikan Bahasa Arab WAL'AFIAT HOSPITAL JOURNAL NeoRespublica : Jurnal Ilmu Pemerintahan IQRA : Jurnal Magister Pendidikan Islam Ilmu Manajemen Sosial Humaniora (JIMSH) Jurnal Riset Multidisiplin : Agrisosco Jurnal Anak Bangsa Advances in Business & Industrial Marketing Research Kongga : Jurnal Pengabdian Masyarakat Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Attadrib: Jurnal Pendidikan Guru Madrasah Ibtidaiyah Impression : Jurnal Teknologi dan Informasi Publician: Journal of Public Service, Public Policy, and Administrastion Jurnal Teknologi dan Sains Modern Jurnal Inovasi Penelitian Ilmu Pendidikan Indonesia Journal of Social Sciences and Economics Jurnal Perikanan TENANG : Teknologi, Edukasi, dan Pengabdian Multidisiplin Nusantara Gemilang Masyarakat: Jurnal Pengabdian Pinisi Journal Pendidikan Guru Sekolah Dasar Realism: Law Review Jurnal Manajemen, Akuntansi dan Rumpun Ilmu Ekonomi (MAR-Ekonomi)
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Pengetahuan  Suku Muna  Tentang Kameko di Desa Kabangka Kecamatan Kabangka Kabupaten Muna Asriani, Asriani; Winesty Sofiani, Wa Ode; Rahman, Abdul
JURNAL KABANTI: Kerabat Antropologi Vol 8 No 2 (2024): Volume 8, Nomor 2, Desember 2024
Publisher : Jurusan Antropologi Fakultas Ilmu Budaya Universitas Halu Oleo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33772/jtagff81

Abstract

This research was conducted to find out how the knowledge of the Muna tribe on kameko in Kabangka Village, Kabangka District, Muna Regency and how the utilization of kameko in the Muna tribe in Kabangka Village, Kabangka District, Muna Regency. The methods used in this research are purposive sampling for the selection of informants, interview and observation methods for the data collection process in the field, and qualitative descriptive methods for examining information by utilizing point-by-point depiction of research results to answer the problems considered. The results concluded that Kameko is one of the traditional drinks originating from Southeast Sulawesi Province which is usually served in every traditional cultural ritual that still exists today. Kameko, which is made from fermented nira and mangrove wood, can contain alcohol. Talking about kameko drinks in Kabangka Village, there are many komeko which are used as their daily livelihoods such as, in terms of public knowledge on kameko, one of which is in terms of tapping, maintaining kameko and fermentation, the second is public knowledge in the utilization of kameko such as kameko can be used as a traditional drink of arak type, as brown sugar, health, people in Kabangka Village in utilizing kameko still use simple traditional tools.
INVESTASI EMAS DALAM PERSPEKTIF HUKUM ISLAM Asriani, Asriani
al-'adalah Vol 12 No 2 (2015): Al-'Adalah
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/adalah.v12i2.217

Abstract

Abstrak: Investasi Emas dalam Perspektif Hukum Islam. Bank Syariah menyediakan beberapa produk untuk memenuhi kebutuhan masyarakat dan tuntutan zaman yang semakin canggih, dengan adanya tekhnologi modern sekaligus persaingan di dunia global. Selain itu, pelaksanaan  produk-produk tersebut bertujuan untuk meningkatkan kesejahteraan masyarakat dan penyimpanan kekayaan. Seperti produk-produk penghimpunan dananya, penyaluran dana, dan pelayanan jasa keuangan. Namun dalam prakteknya ternyata tidak semuanya dapat dibenarkan oleh hukum Islam, oleh karena nya perlu dipahami lagi secara lebih mendalam supaya tidak melanggar hukum Islam yang telah ditetapkan demi kemaslahatan umat manusia. Produk perbankan yang sedang menjadi topik pembicaraan di masyarakat adalah investasi emas syariah. Tujuan  dalam tulisan Untuk mengetahui apa yang dimaksud dengan Investasi Emas di Bank Syariah,  dan untuk mengetahui keabsahan, keuntungan dan kelemahan dari produk Investasi Emas di Bank Syariah. Adapun dasar hukum dari investasi emas syariah adalah, Undang-Undang No. 21  Tahun 2008 tentang Perbankan Syariah, dan Fatwa DSN-MUI No.  77/DSN-MUI/VI/2010 tentang Jual-Beli Emas Secara Tidak Tunai. Surat Edaran BI (SE BI) Nomor 14/7/DPBS tanggal 29 Februari 2012 tentang Produk Qardh Beragunan Emas bagi Bank Syariah dan Unit Usaha Syariah (UUS). fatwa DSN-MUI No. 25/DSN-MUI/III/2002 tanggal 26 Juni 2002 tentang Rahn dan Fatwa DSN MUI No. 26/DSN-MUI/III/2002 tanggal 28 Maret 2002 tentang Rahn Emas. Ada dua pendapat mengenai keabsahan dari investasi emas syariah, ada jumhur ulama yang membolehkan dan ada yang melarang.
Criticism Against Feminist's Thinking About Husband's and Wife’s Rights and Obligations Faisal, Faisal; Mukri, Moh.; Asriani, Asriani
al-'adalah Vol 16 No 2 (2019): al-'Adalah
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/adalah.v16i2.5801

Abstract

Marriage is a legal place to foster a peaceful, harmonious and loving household (Sakīnah mawaddah wa rahmah). In marriage, the fulfillment of the rights and obligations of husband and wife is the main means for achieving domestic happiness. In the Islamic perspective, the husband is the head of the household and the wife is the housewife. However, in modern times, along with the emergence of feminists, the concept of the rights and obligations of husband/wife are thus re-interpreted and reconstructed on the grounds that many wives are no longer serving as housewives but also help husbands in earning a living. As a result, the aspect of equality is more prioritized than the concept of mu'āsyarah bil ma'rūf (harmonious relationship). This article examines the views of Muslim feminists about the role of husband/wife in a household, while comparing them with concepts that exist in Islamic teachings. In conclusion, the Islamic concept of the rights and obligations of wife and husband, if it is carried out consistently, will actually bring more benefit and permanence in the household than the feminist’s which is only based on the equality argument.
Sharia Economic Dispute Resolution During Covid-19 Pandemic Asriani, Asriani; surono, Surono; Kumar, Prodip
al-'adalah Vol 18 No 2 (2021): Al-'Adalah
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/adalah.v18i2.10112

Abstract

The process of resolving a case, especially concerning business disputes, generally runs slowly, drags on, and takes a long time, at least three months. This condition will, of course, burden the litigants, especially in cases where the value of the material claim is small. To overcome this problem, the Supreme Court issued PERMA No. 2 of 2015 in conjunction with PERMA Number. 4 of 2019 which regulates the Settlement of Simple Claims (Small Claim Court). What is meant by Simple Claim Settlement. is a procedure for examining a civil lawsuit with a material claim value of a maximum of 500 million rupiahs. With this regulation, it is hoped that the dispute resolution procedure can be simpler, faster, and less expensive. This study examines the court process for simple lawsuits related to Sharia business cases during the Covid-19 pandemic. The aim is to find out how the court process works and how effective the mechanism is in serving the interests of justice seekers. This research is a qualitative descriptive study using a juridical normative approach. The results showed that during the pandemic, the implementation of the small claim court was carried out using the e-court facility, and has proven to be effective and efficient in serving justice seekers.
Pengaruh Kualitas Produk, Fitur Produk dan Desain Produk Terhadap Keputusan Pembelian Produk Kosmetik Dalam Perspektif Manajemen Islam Lestari, Devi; Asriani, Asriani; Ningsih, Nur Wahyu; Rosilawati, Weny; Amrina, Dania Hellin
REVENUE: Jurnal Manajemen Bisnis Islam Vol. 3 No. 1 (2022)
Publisher : Sharia Business Management UIN Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/revenue.v3i1.10321

Abstract

      In the times and technology makes business competition more advanced. It becomes an opportunity to introduce and maintain the product. The number of similar products makes a strategy to make it easier for consumers to choose the product they are looking for. With the development of consumers, consumer desires also develop where the purchase of a product is no longer a need but also a desire. The desire of consumers is not only to meet basic needs but also to problems with physical appearance, especially on the face, which is a beauty that is a top priority for users. The formulation of the problem in this research is whether product quality, product features, product design have a positive and significant effect on purchasing decisions? Then do product quality, product features, product design have a positive and significant effect on purchasing decisions for cosmetic products at the Kartika Aesthetic Beauty Clinic and Erha Bandar Lampung Beauty Clinic in an Islamic management perspective? This study aims to determine the effect of product quality, product features and product design on purchasing decisions for cosmetic products and to describe it in an Islamic management perspective.      This research uses descriptive quantitative method, which is a research method to examine a particular population or sample in order to test the hypothesis that has been set. The data collection techniques in the form of questionnaires and interviews. Sampling in this study by taking the Accidental Sampling technique. And this data collection method using a questionnaire given to 100 respondents each of 50 respondents and interviews with the Beauty Clinic.      The results of this test indicate that product quality has a positive and significant effect on purchasing decisions at the Kartika Aesthetic Beauty Clinic with a significant value of 0.014 <0.05 and the Erha Beauty Clinic with a significant value of 0.025 <0.05. Meanwhile, the product features at the Kartika Aesthetic Beauty Clinic with a significant value of 0.030 <0.05 and the Erha Beauty Clinic with a significant value of 0.011 with a significant value <0.05. As well as product design at the Kartika Aesthetic Beauty Clinic with a significant value of 0.034 <0.05 and the Erha Beauty Clinic with a significant value of 0.017 <0.05. Based on data analysis, the conclusion of product quality, product features, and product design affects the purchasing decisions of cosmetic products at the Kartika Aesthetic Beauty Clinic and Erha Beauty Clinic in Bandar Lampung from an Islamic management perspective.
ANALISIS REAKSI PASAR TERHADAP KEBIJAKAN TAX AMNESTY PADA SAHAM SYARIAH SEKTOR PROPERTI YANG TERDAFTAR DI INDEKS SAHAM SYARIAH INDONESIA (ISSI) Andita, Maulian; Asriani, Asriani; Nurmalia, Gustika
Al-Mashrof: Islamic Banking and Finance Vol. 1 No. 2 (2020): 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/al-mashrof.v1i1.7171

Abstract

Sebagai salah satu instrumen ekonomi tentunya pasar modal tidak lepas dari berbagai pengaruh lingkungan baik itu lingkungan ekonomi maupun lingkungan non-ekonomi. Peristiwa saat ini yang menjadi perhatian investor adalah terbitnya kebijakan tax amnesty di Indonesia. Dapat diasumsikan bahwa kebijakan tax amnesty seharusnya menjadi sentimen positif di dunia investasi, sehingga penelitian ini ingin melihat reaksi pasar yang diukur dengan menggunakan abnormal return atau return sebagai nilai perubahan harga dan trading volume activity sebagai ukuran yang mencerminkan kegiatan perdagangan saham. Tujuan dari penelitian ini untuk mengetahui adakah perbedaan abnormal return dan trading volume activity yang signifikan pada saham syariah sektor properti yang terdaftar di ISSI sebelum dan sesudah kebijakan tax amnesty periode III serta untuk mengetahui bagaimana reaksi pasar terhadap kebijakan tax amnesty pada saham syariah Indonesia dalam perspektif ekonomi Islam.Penelitian ini merupakan penelitian kuantitatif. Langkah pertama yang dilakukan adalah dengan menentukan periode pengamatan. Periode pengamatan pada penelitian ini adalah 20 hari bursa t-10 dan t+10 setelah kebijakan tax amnesty periode ketiga diumumkan. Sampel penelitian ini menggunakan metode purposive sampling sehingga diperoleh 52 perusahaan sektor properti yang terdaftar di ISSI yang berdistribusi normal menggunakan uji one-kolomogorov smirnov. Penelitian ini menggunakan teknik analisis One Sample T-Test dan Paired Sample T-Test.Hasil penelitian yang dilakukan dengan uji One Sample T-Test pada abnormal return nilai signifikan hanya ditemukan pada t-2 saja dan pada trading volume activity menunjukkan hampir seluruh periode pengamatan bernilai signifikan. Sedangkan uji Paired Sample T-Test menunjukkan bahwa terdapat perbedaan yang signifikan AR dan TVA sebelum dan sesudah pengumuman kebijakan tax amnesty periode ketiga. Hal ini berarti peristiwa tersebut mengandung informasi yang berarti bagi investor, sehingga investor bereaksi di pasar modal. Dalam perspektif Ekonomi Islam investasi pada pasar modal diperbolehkan asalkan sesuai dengan prinsip ekonomi Islam, reaksi investor baik itu jual maupun beli harus berdasarkan analisis teknikal dan fundamental agar sesuai dengan prinsip ekonomi Islam yaitu tidak melakukan spekulatif atau judi dan jual beli yang bersifat gharar.
ANALISIS SWOT FINANCIAL TECHNOLOGY (FINTECH) PERBANKAN SYARIAH DALAM OPTIMALISASI PENYALURAN PEMBIAYAAN DAN KUALITAS PELAYANAN BANK SYARIAH Tiyan, Lucky; Kurniawan, Muhammad; Asriani, Asriani; Syarif, Hazas
Al-Mashrof: Islamic Banking and Finance Vol. 2 No. 1 (2021): 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/al-mashrof.v2i1.8799

Abstract

Penelitian ini bertujuan untuk melihat apakah penyaluran pembiayaan dan kualitas pelayanan berbasis Fintech telah optimal diimplementasikan oleh PT. Bank Mandiri Syariah KCP Kedaton Bandar Lampung dan PT. Bank BNI Syariah KC Tanjung Karang Bandar Lampung melalui metode analisis SWOT. Sampel dalam penelitian ini adalah pegawai pada dua Bank Syariah tersebut dan peneliti mengambil data dari penyebaran kuesioner untuk mengukur kondisi internal (kekuatan dan kelemahan) dan eksternal (peluang dan ancaman) serta melakukan wawancara dengan marketing finance untuk melihat implementasi pada penyaluran pembiayaan berbasis Fintech dan melakukan wawancara pada customer service untuk melihat implementasi pelayanan berbasis Fintech. Teknik analisis data yang digunakan adalah penghitungan manual dengan menggunakan pengukuran pada faktor internal (IFAS) dan eksternal (EFAS), kemudian dengan menghitung pada faktor internal-ekternal untuk mengetahui posisi kuadran SWOT Bank Syariah. Hasil analisis menunjukkan bahwa PT. Bank Mandiri Syariah KCP Kedaton Bandar Lampung dan PT. Bank BNI Syariah KC Tanjung Karang Bandar Lampung berada pada posisi kuadran 2 dimana ini berarti Bank Syariah harus menggunakan strategi diversifikasi. Kata kunci: Fintech, SWOT, Kuadran
Energi Terbarukan untuk Pertanian Modern: Studi Kasus pada Budidaya Hidroponik UMKM Rumah Bali Hidroponik: Renewable Energy for Modern Agriculture: A Case Study on Hydroponic Cultivation at Rumah Bali Hydroponic SME Herdhiansyah, Dhian; Asriani, Asriani; Aksara, L. M. Fid; L, Mariani
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 10 No. 7 (2025): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v10i7.8824

Abstract

Renewable energy, particularly Solar Power Plants (PLTS), holds significant potential to enhance sustainability and efficiency in modern agriculture, including for small and medium-sized enterprises (SMEs) utilizing hydroponic technology. This Community Partnership Program (PKM) aims to implement a PLTS system to improve the productivity and sustainability of hydroponic cultivation at Rumah Bali Hydroponic SME. The methods employed include installing a PLTS system to meet energy demands in hydroponic farming processes and providing technical training for SME partners on managing and utilizing solar energy. Evaluations were conducted to measure energy efficiency, impacts on plant productivity, and contributions to reducing operational costs. The results demonstrated that the PLTS system reduced dependency on conventional energy sources, decreased operational costs by 15%, and increased hydroponic crop productivity by 18%. Additionally, training sessions significantly enhanced participants' understanding of solar energy technology, with a 90% improvement in technical comprehension. The positive impact on carbon emission reduction further supports environmentally friendly agriculture. In conclusion, applying PLTS in hydroponic farming at Rumah Bali Hydroponic SME improved energy efficiency, productivity, and business sustainability. This program provides economic benefits and promotes sustainable agriculture, serving as a model for empowerment initiatives applicable to Indonesia's agricultural sector.
Analisis Efektivitas Manajemen Kelas Guru Terhadap Hasil Belajar Siswa Kelas IV SD Inpres 1 Talise Marwah, Sri Aryas; Rizal, Rizal; Asriani, Asriani; Lagandesa, Yun Ratna; Fasli, Muhammad
Al-Madrasah: Jurnal Ilmiah Pendidikan Madrasah Ibtidaiyah Al-Madrasah Vol. 9, No. 3 (Juli 2025)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (SIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/am.v9i3.5010

Abstract

Penelitian ini bertujuan untuk mengetahui efektivitas manajemen kelas guru terhadap hasil belajar siswa kelas IV SD Inpres 1 Talise, peneliti ingin menganalisis apakan ada hubungan atau pengaruh efektivitas manajemen kelas guru terhadap hasil belajar siswa. Penelitian ini menggunakan pendekatan kualitatif, dengan sebjek penelitian yaitu siswa kelas IV SD Inpres 1 Talise menggunakan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Secara keseluruhan, hasil observasi menunjukkan bahwa manajemen kelas dalam pembelajaran yang diamati berada dalam kategori baik dengan persentase skor 75.60%, pembelajaran telah dilaksanakan dengan cukup efektif, Guru yang diamati menerapkan pendekatan yang menyeluruh dalam mengelola kelas, dengan menyesuaikan metode pembelajaran berdasarkan suasana hati dan situasi siswa pada hari tersebut. Rutinitas yang jelas dan pengelolaan waktu yang baik menjadi dasar untuk memastikan pembelajaran berjalan efektif. Strategi yang digunakan melibatkan penggunaan teknologi, variasi dalam metode pengajaran, serta penguatan nilai kolaborasi dan kerja sama antar siswa. Secara keseluruhan, strategi manajemen kelas yang diterapkan berdampak positif terhadap hasil belajar siswa, terbukti dengan peningkatan signifikan dalam nilai mereka.
The Contribution of Indonesian Islamic Banks to Economic Growth Post-Merger: Opportunities and Challenges Asriani, Asriani; Kurniawan, Agus; Setyanto, Alief Rakhman
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol. 9 No. 2 (2025): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/hpmddd13

Abstract

The integration of Islamic finance into Indonesia's national economic strategy is seen as a key driver of sustainable economic growth. However, the Islamic banking sector, despite its potential, continues to face structural and market-related limitations. This study investigates the contribution of Bank Syariah Indonesia (BSI) to Indonesia’s economic growth following the merger of three state-owned Islamic banks Bank Syariah Mandiri, BRI Syariah, and BNI Syariah by focusing on the post-merger opportunities and challenges. The research aims to answer two central questions: (1) What opportunities does BSI hold for contributing to economic development in Indonesia? and (2) What are the major internal and external challenges it must overcome to achieve these goals? Using a qualitative research design, the study gathers primary data through interviews with key informants from BSI branch offices in Aceh, Manado, and West Java, and analyzes secondary data from BSI’s official financial documentation. The results indicate that BSI has consolidated a robust capital base of over Rp239.56 trillion and improved its capacity for financial intermediation, making it a strategic institution aligned with the endogenous growth theory. Nonetheless, BSI’s potential is constrained by issues including underdeveloped governance integration, technological lags, limited regulatory autonomy, and low financial literacy. These findings suggest that while BSI holds strong prospects for supporting inclusive national development, realizing its full potential requires overcoming institutional, technological, and educational gaps. Strengthening legal frameworks, enhancing literacy programs, and harmonizing regulatory policies are essential to maximize BSI’s contribution to Islamic financial and economic advancement in Indonesia.
Co-Authors - Afrizal A.A. Ketut Agung Cahyawan W Abdul Halik Abdul Latief Abdul Rahman Abdul Rahman Mus Abdul Rahman Rahim abdullah, akhyar Abdulllah, Weka Gusmiarty Abrar, Muh. Abrar, Vergina Angraini Adawiyah Pettalongi Adelia, Fitrah Aderlaepe Aderlaepe Adi Aditya, Rahmat Ady Jufri Afifah, Mar’atul Agus Kurniawan Agustiawan, Agustiawan Ainayah, Alifa Akil, Bahrul Iman Aksara, L. M. Fid Alief Rakhman Setyanto, Alief Rakhman Alifah Ainayah Amin, Hasriani Aminuddin Aminuddin amir, muh Amiruddin, Ahmad Amri, Andi Azrarul Amriana Amriana Amrina, Dania Hellin Andari, Tania Andi Tanra Tellu Andi Yuniarti Andita, Maulian Andrianto, Tedy Angraini Abrar, Vergina Ani Leilani Anisa Aprilia Annisa, Nurjihad Ansar Ansar Apriloka, Dinita Vita Arfan, Fahmi Ariani, Wa Ode Rachmasari Arif Firmansyah Arjulan ARMAN FASLIH, ARMAN Arman, Afifah Fauziah Asis, Fitriani Asrani, Asrani Assaibin, Muhammad Asykur, Muamar Auliah Ambarwati Auliah, Iqrimah Nur Azis, A. Asmawati Azizah Azizah Azizah Azizah Bahtiyor, Kobulov Banggu, Masni Basrin, Fitriani Bugis , Manal Buhaera, Buhaera Chaerunnisa, Andini Citrayanti, Citrayanti Damayanti Rusmana, Fenny Dasmin, Dasmin Demmanambo, Andri Deny Wiria Nugraha Dewi, Arisa Dhian Herdhiansyah Dinar, Muhammad Duryana, Duryana Efendi, Emha Afief Eka Suaib, Eka Elfrianto, La Ode Elviani, Elviani Endang, Niniek Erniwati Erniwati Erwing, Erwing Fachruddin, Sutiyana Fadillah, Atika Faisal Faisal Faradila, Riska Fasli, Muhammad Febriyanti, Ekea Multi Fid Aksara, LM Firman Firman Fiton, Fiton Fitri Fitri Fristina, Dela Gafaruddin, Abdul Gatot Siswo Hutomo Gustika Nurmalia Haedar Akib Haerina Ahkam , Andi Alfiah Halifah Pagarra Halika, La Ode Herman Hamriani, Selvi Harahap, Elsa Puspita Sari Harisma, Rita Haryanto Atmowardoyo, Haryanto Hasbullah Hasbullah Hendrawan Heni Pujiastuti Herlina Herlina Herman, La Ode Hunaidah, Hunaidah Husain, M Najib Husain, Najib Ikhsan, Taufik Inanna, Inanna Indratama, Andhika Irawati Irawati Irmawati Irmawati Irmayani Irmayani ISKANDAR HASAN Iwan Setiawan Jahriya, Jahriya Jalal, Jalal Jayanti, Rizka Jens Batara Marewa Jirana, Jirana Joko Santoso Juhaepa, Juhaepa Jusran Jusran Justawan, Justawan Juwita Juwita, Juwita Kadek Hariana Kamaruddin Kamaruddin Kamarullah, Muhammad Khusnul Alief Kamase, Jeni kambolong, makmur Kariani, Kadek Dwi Kasim, Syaifudin Suhri Kasyanto, Nafis Nurvita Katrin, Ketut Khadijah, Nany Khaeruddin Khaeruddin Khairunnisa Khairunnisa Khairunnisa R, Nadya khusnul khotimah Kiki, Wa Ode Kole, Hamid Kumar, Prodip Kurniawan B, Agus L, Mariani La Bilu, La Bilu La Ode Agus Said, La Ode Agus La Ode Midi, La Ode La Ode Nggawu La Rianda Laedi, Siti Hajar Lampasa, Yunitawati lamusa, farida Lesmana, Sakinah Ambang Diandry Listyarini, Sri LM Fid Aksara, LM Fid Lorensa, Devia Losi, Zainuddin Lubis, Nurwasilah Syarif Luh Putu Ratna Sundari Lukman, Sri Hardianti M. Cholid Mawardi M. Najib Husain Mahyidin, Razali Maisaroh, Neng Majid, Ahmad Risal Manguntara, La Manoby, Worry Mambusy Manugeren, M Marchelin, Marchelin Marhani Marhani Mariani Mariani Marsuki Marsuki, Marsuki Marwah, Sri Aryas Maryuni, Narila Masbiran, Vivi Ukhwatul Khasanah Masdar Masud Mattalatta Mattalatta, Mattalatta Maulana P, Marsanda Maulani, Aghitia Mawardi Pewangi, Mawardi Ma’mum, Sitti Rahma Mega Fatimah Rosana Melyani Sari Sitepu, Melyani Sari Mesra Damayanti Mirna Mirna Misnah Irvita Mochammad Imron Awalludin Moh. Mukri Muchdar Muchdar Muh Tawil, Muh Muh. Akbar Fhad Syahril Muhajir, Dzul Arsyil Muhammad Guntur, Muhammad Muhammad Hasan Muhammad Ilham Bakhtiar Muhammad Iqbal Fasa Muhammad Subhan Hamka Muhammad Tahir Muhammad Yusuf Mujahidin Mujahidin Mukmin Muhammad Muliati Muliati, Muliati Munsir, Mulawarman Muslihun Husuni, La Ode Muhammad Muslimin, Lukman mutiara mutiara Nabila, Gina Nada Kusuma, Nada Naimi, Nadlrah Nasharuddin Nasiruddin, Nurfadilah Nasrullah Nasrullah Natsir, Alfian Ningsih, Nur Wahyu Nouval Trezandy Lapatta Noviana, Firta Nur Diana Nur Hidayah Nur Rahma Ramadhani Nur Rahmah Nur ‘Azah Nuraini Nuraini Nur’izzani, Nur’izzani Nurcayah Nurfadly, Andi Nurfaikah, St. Nurfika, Nurfika Nurhayati Nurhayati Nurhayati, St Nurhidayah Nurhidayah Nurkhasyanah, Alfiyanti Nurlina Nurlina Nursafitri, Erika Nursakinah, Nursakinah Nursia, Nursia Nurul Azmi, Nurul Nurul Fahmi Ode Rosmina, Wa Oktafiani, Venia Pahriadi Pakpahan, Sartika paluseri, Andi Pratama, Ryan A. Pratama, Ryan Andhika purnomo, arie Putra, Faturachman Al Putrawan, Agus Putriwanti Putriwanti Rahman, Muhammad Rahman, Sundari Rahmaniah, Rahmaniah Rahmawati, Dyah Rahmawati, Fatun Rahmawati, Rahmawati Rahmiati Ranti Pawari Ramli, Risnawati Rasuli, Rasman Ratna Dewi Ratna Supiyah, Ratna Rayuddin Rayuddin Rayuddin, Rayuddin Reskiah, Reskiah Resman, Resman Retno Fitrianti Rezky, Muh. Rifin, Rifin Rijal, Muh. Risma Niswaty Risman Risman Rismawan, Yandi Rizal Rizal Rizal, Rizal Robi Rendra Tribuana Rosmalah, Sitti Rosnadi, Rosnadi Rosyid, Sujud Zainur RR. Ella Evrita Hestiandari Rufi'i Sahira, Reza Waldani Said, Muh Ihsan saidin, saidin Sailila, Annur Babatia Sakinah Sakinah Samsul, Andini Wulandari Saputri, Febrida Saragih, Siti Riani Fadila Sarinah Sarinah Savira, Evi Maya Sayuti, Mohammad Sefriyana, Sefriyana Selviana Selviana Siardin Andi Djemma Silvi Adelia Sinta, Satria Sisriawan Lapasere Siswahyudianto sitepu, juli maini Siti Suwadah Rimang, Siti Suwadah Sitti Saenab, Sitti Sjamsu, Arief Saleh Sri Hardianti Sri Novalina Sri Wahyuni Sriwahyuni , Sriwahyuni SRY WAHYUNI, SRY Suaib, Muhammad Ridha Sudirman, Faturachman Alputra Suherman, Suherman Sukmawati Abdullah Sulfaidah, Sulfaidah Sultan Sultan Sumandiarsa, I Ketut Sumiati Surahman Wilade Surono Surono Susanti, Nur Arini Syahidah, Syahidah Syamsiah, Syamsiah Syamsiar, Syamsiar Syamsul Alam, Syamsul Syamsul Hilal Syarif, Hazas Syarif, Irwan Syazali, Muhammad Syukri, Muh. Tajuddin Tajuddin, Tajuddin Tasrim, Tasrim Telaumbanua, Lenta Mesra Tiyan, Lucky Triani, Lili Tsalis Kurniawan Husain, Tsalis Kurniawan Usman Usman Utami, Sri Afrianti Utomo, Sellfannyla Putri Uz–Zaky, M. Rafi Venia Oktafiani W, Muhammad Fahreza Wa Embe Weny Rosilawati Wijaya, Vindy Arhi Winesty Sofiani, Wa Ode Wirdayanti Wolingalo, Anggita Frestianingsih Yani, Lusi Yolarita, Elsa Yulinda L. Ismail Yulistia Devi Yulizar, Meri Yun Ratna Lagandesa Yuniarti, Tatty Yusuf, Amriani Zainal, Nining Haslindah Zulnuraini