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All Journal Supremasi Hukum: Jurnal Kajian Ilmu Hukum Sharia Economic and Management Business Journal (SEMBJ) Shahih : journal of islamicate multidisciplinary Jurnal Kajian Ekonomi dan Perbankan Syariah
Ratna Sofiana
Universitas Islam Negeri Sunan Kalijaga
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Implikasi Tugas dan Kewenangan Badan Arbitrase Syari’ah Nasional dalam Penyelesaian Sengketa Ekonomi Syari’ah Pasca Putusan MK No.93/PUU-X/2012 Tahun 2008 tentang Pengujian Konstitusional UU No. 21 Tahun 2008 Tentang Perbankan Syari’ah Ratna Sofiana
Supremasi Hukum: Jurnal Kajian Ilmu Hukum Vol 3, No 2 (2014): Supremasi Hukum
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/sh.v3i2.1966

Abstract

This paper is intended to examine the proliferation of economic dispute resolutionShari'ah after amendment to the Constitution 1945. Before the change, the ReligiousCourts (PA) as the top judicary are authorized to settle disputes Shariah economy.Now, the judiciary as an institution of Shariah economic dispute resolution experienceproliferation, because the General Court entitled to handle economic disputes Shari'ahunder Article 55 paragraph (2) of Law No. 21 of 2008 concerning Islamic Banking.Due to the proliferation of a completion of economic disputes Shari'ah raises choice offorum which in the case of the same substance, the same object, then given the freedom tochoose, so that will give rise to legal disorder (chaos law). In addition, the decision wouldlead to disparities, are also likely to occur strangeness, because maybe when sentenceborn of religious courts, while the verdict b born of a general court for the same case, orthere are two cases that have similar or even the same same, there will be oddity for theparty receiving.
Determinants of Students' Consumptive Behavior: Evidence from Sharia Financial Literacy, Financial Behavior, Peer Pressure, and Fintech Payment in Yogyakarta Ratna Sofiana; Najwa Airin; Satria Utama
SHAHIH: Journal of Islamicate Multidisciplinary Vol. 11 No. 1 (2026)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shahih.v11i1.15994

Abstract

This study aims to examine the influence of Sharia Financial Literacy, Financial Behavior, Peer Pressure, and Financial Technology Payments on Consumptive Behavior among students in the Special Region of Yogyakarta. The increasing adoption of digital payment systems and changing consumption patterns among university students make this topic particularly relevant. This research employs a quantitative approach using a purposive sampling technique to select respondents who meet the specified criteria. Data were collected from 150 student respondents across the Special Region of Yogyakarta and analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with SmartPLS 3.0 software. The findings indicate that Financial Behavior, Peer Pressure, and Financial Technology Payments each have a significant positive effect on students' Consumptive Behavior. In contrast, Sharia Financial Literacy has a negative but statistically insignificant effect on Consumptive Behavior. These results suggest that social influence, financial habits, and the use of digital payment technology play a more dominant role in shaping students' consumptive behavior than their level of Sharia financial literacy.
Measurement of the Efficiency Level of Islamic Insurance Firms in Indonesia: DEA and SFA Analysis Mirza Mayang Safitri; Ratna Sofiana; Hilmy Baroroh; Muhfiatun Muhfiatun
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.19965

Abstract

This study aims to measure the efficiency level of Islamic insurance companies in Indonesia using DEA and SFA, with secondary data from 13 companies in the 2019-2023 period. DEA measures the relative technical efficiency of a company compared to other companies in the same group, while SFA measures efficiency by considering stochastic factors that can affect company performance. The results show that there is high variation in efficiency between companies in DEA, while SFA produces efficiency scores above 60%, tending to be higher than DEA. This research provides practical implications for Islamic insurance companies to improve efficiency through resource optimization, in order to get maximum output so that the efficiency level of Islamic insurance companies can increase.
Digital Currency and Monetary Policy in Islamic Economics: Can Central Bank Digital Currencies (CBDCs) Be Islamically Compliant Ratna Sofiana; Satria Utama
Sharia Economic and Management Business Journal (SEMBJ) Vol. 6 No. 3 (2025): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v6i3.2186

Abstract

Background: This study aims to systematically evaluate whether Central Bank Digital Currencies (CBDCs) can be structured in compliance with Islamic monetary and financial principles, particularly addressing prohibitions of riba (usury) and gharar (excessive uncertainty). Method: A Systematic Literature Review (SLR) was conducted following PRISMA guidelines, analyzing 47 peer-reviewed studies from Scopus, Web of Science, and Islamic economics journals (2015-2025) Results: The review finds that conventional interest-bearing CBDCs are non-compliant. However, a zero-return, 100% reserve-backed CBDC operating under wadiah (safekeeping) or qard (loan) contracts is widely permissible. Additionally, smart contract integration can automate zakat collection and qard al-hasan distribution, supporting Islamic monetary policy goals. Conclusion: This systematic literature review finds that a Shariah-compliant CBDC is theoretically possible within narrow design parameters, but the gap between conceptual compliance and operational Islamic monetary policy remains wide.
Co-Authors Hilmy Baroroh Mirza Mayang Safitri Muhfiatun, Muhfiatun Najwa Airin Satria Utama