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All Journal El Dinar JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) AL-TANZIM : JURNAL MANAJEMEN PENDIDIKAN ISLAM Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Zhafir | Journal of Islamic Economics, Finance, and Banking Community Development Journal: Jurnal Pengabdian Masyarakat Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Indo-MathEdu Intellectuals Journal International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) Maliki Islamic Economics Journal IIJSE International Journal of Islamic Business and Economics (IJIBEC) Madania: Jurnal Kajian Keislaman
Terminanto, Ade Ananto
Universitas Islam Negeri Syarif Hidayatullah
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Shariah Audit, Transparency, and the Constitutional Court: Protecting Public Funds from an Islamic Economics Perspective Terminanto, Ade Ananto; Mulazid, Ade Sofyan; Almi, Ridho Fikri; Kurniawan, Muhammad Iman; Zh, Miftah Hur Rahman
Madania: Jurnal Kajian Keislaman Vol 29, No 2 (2025): DECEMBER
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v29i2.9096

Abstract

This study examines the role of Shariah audit and transparency in protecting public funds from an Islamic economics perspective, with a specific focus on the Constitutional Court's role as the ultimate guardian of financial integrity. The research aims to synthesize recent literature to identify prevailing trends, analytical frameworks, and existing gaps in the field. The methodology employed is a Systematic Literature Review (SLR) following the PRISMA protocol, with a search conducted in the Scopus database yielding 50 selected articles for thematic analysis. Key results reveal that Shariah audit serves as a dual governance mechanism ensuring both financial accuracy and Shariah compliance. The Constitutional Court is conceptualized as a pivotal institution executing a modern hisbah function, wielding the authority to annul policies that enable misuse. Findings also indicate significant geographical disparities, a dominance of qualitative approaches, and the disruptive potential of technologies like blockchain and AI in enhancing transparency. However, technological implementation still faces regulatory and capacity-building challenges. The conclusion affirms the necessity of integrating ethical principles (Maqasid al Shariah), audit mechanisms, and judicial oversight. This study contributes to the literature by introducing an integrative analytical framework that links Shariah audit, technological transparency, and constitutional judicial oversight, offering a novel perspective on how modern Islamic governance can institutionalize accountability and safeguard public wealth. Penelitian ini mengkaji peran audit Syariah dan transparansi dalam melindungi dana publik dari perspektif ekonomi Islam, dengan fokus khusus pada peran Mahkamah Konstitusi sebagai penjaga utama integritas keuangan. Penelitian ini bertujuan untuk mensintesis literatur terkini guna mengidentifikasi tren yang berlaku, kerangka kerja analitis, dan kesenjangan yang ada di bidang ini. Metodologi yang digunakan adalah Systematic Literature Review (SLR) dengan mengikuti protokol PRISMA, dengan pencarian yang dilakukan dalam basis data Scopus yang menghasilkan 50 artikel terpilih untuk dianalisis secara tematik. Hasil utama mengungkapkan bahwa audit Syariah berfungsi sebagai mekanisme tata kelola ganda yang memastikan akurasi keuangan dan kepatuhan Syariah. Mahkamah Konstitusi dikonseptualisasikan sebagai institusi pivotal yang menjalankan fungsi hisbah modern, dengan kewenangan untuk membatalkan kebijakan yang memungkinkan penyalahgunaan dana. Temuan juga menunjukkan adanya disparitas geografis yang signifikan, dominan pendekatan kualitatif, dan potensi disruptif teknologi seperti blockchain dan AI dalam meningkatkan transparansi. Namun, implementasi teknologi masih menghadapi tantangan regulasi dan pengembangan kapasitas. Kesimpulan penelitian menegaskan perlunya integrasi prinsip-prinsip etika (Maqasid al-Shariah), mekanisme audit, dan pengawasan yudisial. Studi ini berkontribusi pada literatur dengan memperkenalkan kerangka analitis integratif yang menghubungkan audit Syariah, transparansi teknologi, dan pengawasan yudisial konstitusional, menawarkan perspektif baru tentang bagaimana tata kelola Islam modern dapat melembagakan akuntabilitas dan melindungi kekayaan publik.
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

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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.
Banking Efficiency under an Oligopoly Structure: Evidence from Indonesia’s Islamic and Conventional Banks Pratama, Yoghi Citra; Terminanto, Ade Ananto
International Journal of Management, Entrepreneurship, Social Science and Humanities Vol. 10 No. 1 (2026): January - June Volume
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijmesh.v10i1.3732

Abstract

This study investigates the relationship between market structure and banking performance in Indonesia, with a particular focus on the comparative efficiency of Islamic and conventional banks. Using concentration ratio (CR) analysis and Data Envelopment Analysis (DEA), the research evaluates efficiency levels across 51 conventional banks and 14 Islamic banks during the period 2015–2021. The findings indicate that the Indonesian banking industry operates under an oligopolistic structure, dominated by a small number of large state-owned and private conventional banks. While Islamic banks demonstrated relatively higher overall and scale efficiency, conventional banks outperformed in terms of technical efficiency. Nevertheless, the differences in efficiency between Islamic and conventional banks were found to be statistically insignificant. These results suggest that although Islamic banking in Indonesia has made progress, it still faces structural and operational challenges in competing with its conventional counterparts. The study contributes to the literature on banking efficiency by integrating market concentration measures with non-parametric efficiency analysis in a dual banking system context. The findings provide important implications for policymakers and regulators in designing strategies to enhance competitiveness, improve efficiency, and foster the sustainable growth of Islamic banking within an oligopolistic market structure.
MODEL OF MICROFINANCE FINANCING QUALITY DETERMINANTS BASED ON SOCIAL AND FINANCIAL ASPECTS: A CASE STUDY OF PT. PNM BOGOR AND ITS SURROUNDING AREAS (BOGOR CITY, BOGOR REGENCY, AND DEPOK) Terminanto, Ade Ananto; Heirunissa, Heirunissa; Pratama, Yoghi Citra; Suherlan, Ade
JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Vol 11, No 2 (2025): Vol 11, No 2 (2025)
Publisher : Universitas Pakuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34203/jimfe.v11i2.13541

Abstract

ABSTRACTThis study aims to analyze the influence of social and financial aspects on financing quality at PT PNM in the Bogor and Depok regions. The novelty of this research lies in its recommended social strategy for reducing Non-Performing Loan (NPL) levels. Using primary data from 106 respondents and secondary data, this study applies descriptive analysis methods and SEM-PLS. The results show that social aspects have a significant positive effect on financial aspects. Both social and financial aspects have been shown to have a significant negative effect on the potential for NPL. Social factors such as discipline, group solidarity (joint responsibility), and socio-economic stability of customers determine the smoothness of installments. Financially, the ability to manage business finances and effective risk management are key to maintaining portfolio quality. The study concludes that a strategy combining social and financial approaches is crucial for PT PNM to improve financial performance. It is recommended that PT PNM strengthen its mentoring program, customer education, and regular monitoring system for early risk detection. Mitigation strategies through the implementation of 3R (Rescheduling, Reconditioning, Restructuring) and intensive mentoring need to be optimized to adjust payment obligations to the real conditions of customers in the field.ABSTRAKPenelitian ini bertujuan untuk menganalisis pengaruh aspek sosial dan keuangan terhadap kualitas pembiayaan di PT PNM wilayah Bogor dan Depok. Kebaruan penelitian ini terletak pada rekomendasi strategi aspek sosial untuk menekan tingkat Non-Performing Loan (NPL). Menggunakan data primer dari 106 responden serta data sekunder, penelitian ini menerapkan metode analisis deskriptif dan SEM-PLS. Hasil penelitian menunjukkan aspek sosial berpengaruh positif signifikan terhadap aspek keuangan. Baik aspek sosial maupun keuangan terbukti berpengaruh negatif signifikan terhadap potensi NPL. Faktor sosial seperti kedisiplinan, solidaritas kelompok (tanggung renteng), dan stabilitas sosial-ekonomi nasabah menjadi penentu kelancaran angsuran. Secara finansial, kemampuan pengelolaan keuangan usaha dan manajemen risiko yang efektif merupakan kunci menjaga kualitas portofolio. Penelitian menyimpulkan bahwa strategi kombinasi pendekatan sosial dan keuangan sangat krusial bagi PT PNM untuk meningkatkan kinerja keuangan. Disarankan agar PT PNM memperkuat program pendampingan, edukasi nasabah, serta sistem monitoring berkala untuk deteksi dini risiko. Strategi mitigasi melalui penerapan 3R (Rescheduling, Reconditioning, Restructuring) dan pendampingan intensif perlu dioptimalkan untuk menyesuaikan kewajiban pembayaran dengan kondisi riil nasabah di lapangan.
PENGARUH BELANJA PEMERINTAH DAN PEMBIAYAAN BANK SYARIAH TERHADAP PERTUMBUHAN EKONOMI: STUDI KASUS DATA PANEL PROVINSI DI INDONESIA Terminanto, Ade Ananto; Rama, Ali
IQTISHADIA Vol 10, No 1 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i1.2320

Abstract

Indonesia’s economy grows persistently with positive growth when developed countries are otherwise. In the meantime, government expenditure increases gradually in order to boost economic growth of the country. In literatures, the impact of government fiscal policy to the outputs or national income varies, as well as the impact of banking sector including Islamic banking sector. Therefore, this study aims to empirically analyze the impact of government expenditure and Islamic banking financing for economic growth by utilizing panel data of 33 provinces in Indonesia during 2010-2015. Besides that, the number of investment and employment were included as explanatory factors for regional economic growth in the study. Methodologically, common, fixed and random effects were employed to estimate coefficient of the independent variables. The study finds that government expenditure, Islamic banking financing, investment and number of employments have significant-positive influence to regional economic growth in Indonesia. Therefore, government’s fiscal policy as well as Islamic banking financing contributed to the economic growth.Indonesia mengalami pertumbuhan ekonomi yang konsisten secara positif di saat negara-negara maju mengalami pertumbuhan ekonomi yang minus. Di sisi lain, pengeluaran pemerintah cenderung meningkat dari waktu ke waktu dengan maksud untuk mempengaruhi pertumbuhan ekonomi. Namun demikian, berdasarkan studi empiris kebijakan fiskal yang dimaksudkan untuk mempengaruhi pendapatan nasional menunjukkan kesimpulan yang beranekaragam. Begitupula dengan pengaruh sektor perbankan termasuk di dalamnya sistem perbankan syariah terhadap pertumbuhan ekonomi. Oleh karena itu, penelitian ini bermaksud untuk menganalisis pengaruh belanja pemerintah dan pembiayaan bank syariah terhadap pertumbuhan ekonomi dengan menggunakan data panel 33 provinsi di Indonesia untuk periode 2010-2015. Selain itu, tingkat investasi dan tenaga kerja dimasukkan sebagai faktor explanatori untuk pertumbuhan ekonomi regional. Metode common effect, fixed effect, dan random effect digunakan untuk mengestimasi nilai pengaruh variabel-variabel independen. Penelitian ini menemukan bahwa belanja pemerintah, pembiayaan banks syariah, investasi dan jumlah tenaga kerja berpengaruh positif signifikan terhadap pertumbuhan ekonomi regional di Indonesia. Dengan demikian, kebijakan fiskal pemerintah dan kegiatan intermediasi perbankan syariah berkontribusi dalam pertumbuhan ekonomi.
Co-Authors Abdul Hamid Ade Sofyan Mulazid Ade Suherlan, Ade Almi, Ridho Fikri Didin Hikmah Perkasa Erika Amelia Euis Amalia Farhan, Muhammad Gusti Febriansyah Febriansyah Harfian, Muhammad Juang Haryanti, Enny Hegar Harini Heirunissa, Heirunissa Herlina Herlina Herlina Intan Lilis Sugiarti ismail akbar brahma Kurniastuti, Cahyani Megawati Miftah Hur Rahman Zh Muhammad Iman Kurniawan Pandaryasi, Henny Prananosa, Ahmad Gawdy Rama, Ali Roikhan Mochamad Aziz, Roikhan Mochamad Sofyan Rizal, Sofyan Sulistianingsih Supriyono Supriyono Utami, Purwani Puji Yoghi Citra Pratama