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All Journal JURNAL CENDEKIA HUKUM Dinamis : Journal of Islamic Management and Bussiness Jurnal Ilmiah Edunomika (JIE)
Akbar Sabani
IAIN Palopo
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice

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SHARI’A COMPLIANCE PRINCIPLES IN FINANCIAL TECHNOLOGY Ishak Ishak; Ilham Ilham; Akbar Sabani
Jurnal Cendekia Hukum Vol 8, No 1 (2022): JCH (JURNAL CENDEKIA HUKUM)
Publisher : STIH Putri Maharaja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33760/jch.v8i1.542

Abstract

Currently in Indonesia, financial technology (fintech) services have developed rapidly. The development of fintech in Indonesia has been responded positively by several regulations issued by the Financial Services Authority (OJK) and Bank Indonesia (BI). In addition to conventional fintech, sharia fintech in Indonesia has also begun to develop significantly, especially since the DSN-MUI fatwa on Sharia Information Technology-Based Financing Services (Fatwa No.117/DSN-MUI/IX/2018). Although sharia fintech has begun to develop, OJK has not fully accommodated the DSN-MUI Fatwa as a binding regulation. The DPS institution as a supervisor for Islamic financial institution entities as well as for start-ups such as fintech that operates according to sharia must follow the regulations that have been decided by the DSN-MUI so that these entities can operate in sharia and this is part of compliance with sharia compliance). This study investigates the Shariah compliance status of financial technology services. The research method used is the library research method with a literature review approach. The results of the study show that currently fintech operating in sharia still needs stronger legal instruments so that compliance with sharia is truly carried out comprehensively and not only applies a kind of label that is run by sharia, so that the existence of fintech and customer trust (consumers can be maintained.
The Effect of Perceived Quality and Brand Image on Smartphone Purchase Decisions Nurdin Batjo; Maheirina Disman; Akbar Sabani
Dinamis : Journal of Islamic Management and Bussiness Vol 5, No 1 (2022): April
Publisher : Institut Agama Islam Negeri Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/dinamis.v5i1.3351

Abstract

This thesis discusses the Influence of Perceived Quality and Brand Image on Smartphone Purchase Decisions. This study aims to determine the effect of perceived quality and brand image on smartphone purchase decisions. This type of research uses a quantitative approach. This research was carried out by distributing questionnaires to 150 respondents. The classical assumption tests used in this study include the normality test, multicollinearity test, heteroscedasticity test and linearity test. The hypothesis testing includes the T test (ParsiaI), F test (SimuItan) and the Determination Coefficient Test. The research results show that there is a partial significant effect on perceived quality (X1) on smartphone purchase decisions (Y), this is evidenced by the obtained results of a significance value of (sig) 0.000 < (α) 0.05, so that H0 is rejected and H1 is accepted . There is a partial significant effect of brand image (X2) on the purchase decision (Y) of a smartphone, this is evidenced by the acquisition of a significance value of (sig) 0.001 < (α) 0.05. So that H0 is rejected and H1 is accepted. Perceived quality (X1) and brand image (X2) simultaneously (together) have a significant effect on the decision to purchase (Y) smartphone, amounting to 0.000 <0.05 and f value 36,897 > t table value 3.06 this proves that H0 is rejected and H1 is accepted, this is also shown in the R square value of 0.334 this means that the simultaneous effect of variables X1 and X2 on variable Y is 33.4%, the remaining 66.6% is explained by other variables not discussed in this study.
IMPLEMENTASI PENGELOLAAN PRODUK PEMBIAYAAN MUSYARAKAH PADA BANK SYARIAH Akbar Sabani; Zainuddin S; Iska Iska
JURNAL ILMIAH EDUNOMIKA Vol 6, No 2 (2022): EDUNOMIKA : Vol. 06, No. 02, 2022
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v6i2.14365

Abstract

Perbankan syariah menawarkan produk penghimpunan dan produk penyaluran, atau pembiayaan dana, misalnya pembiayaan musyarakah dengan sistem bagi hasil. Implementasi yang ada di dunia lembaga keuangan syariah, praktik produk pembiayaan musyarakah pada Bank Syariah Indonesia hingga saat ini masih belum menjadi primadona pembiayaan. Pembiayaan musyarakah yang ada pada Perbankan Syariah merupakan produk unggulan yang seharusnya dikembangkan oleh lembaga keuangan syariah yang ada sekarang ini. Pembiayaan musyarakah sangat relevan dalam upaya untuk meningkatkan produktifitas sektor rill, sebab pemberian pembiayaan musyarakah dapat meningkatkan potensi di dunia usaha terutama UKM dalam meningkatkan jumlah dan kualitas produksinya. Pokok permasalahan dari penelitian ini adalah implementasi pengelolaan produk pembiayaan musyarakah pada Bank Syariah Indonesia, dan Keunggulan dan kelemahan produk pembiayaan musyarakah. Tujuan penelitian ini adalah untuk mengetahui bagaimana implementasi pengelolaan pembiayaan musyarakah pada Bank Syariah Indonesia Kcp. Ratulangi Kota Palopo, dan apa keunggulan dan kelemahan produk pembiayaan musyarakah. Kemudian metode yang digunakan dalam penelitian ini adalah dengan menggunakan studi pustaka dan studi lapangan yang diperoleh dari beberapa sumber. Penelitian ini bersifat deskriptif kualitatif yang artinya menggambarkan suatu subyek penelitian..
Co-Authors Ilham Ilham Ishak Ishak Iska Iska Maheirina Disman Nurdin Batjo Zainuddin S