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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Tafaqquh: Jurnal Penelitian Dan Kajian Keislaman Journal of Economic, Bussines and Accounting (COSTING) Murobbi: Jurnal Ilmu Pendidikan Jurnal Ekonomika Manajemen Dan Bisnis El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Cendekia Ilmiah
Supardi Mursalin
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Industrial & Manufacturing Engineering Social Sciences Other

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Market Risk Mitigation Efforts Gold Installment Financing from Bank Syariah Indonesia Adam Malik Branch Office Bengkulu City Ani Khusnul Hatimah; Supardi Mursalin; Katra Pramadeka
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i2.31383

Abstract

This study aims to identify the forms of market risk and analyze market risk mitigation efforts in gold installment financing at Bank Syariah Indonesia's Adam Malik Branch Office in Bengkulu City. This study employed a qualitative method with a descriptive approach. Data sources consisted of primary and secondary data. Primary data were obtained through in-depth interviews and observations of pawning officers and customers using gold installment products, while secondary data were obtained from official bank documents, standard operating procedures (SOPs), and relevant literature. Data collection techniques included interviews, observation, and documentation. Data analysis utilized the stages of data reduction, data presentation, and conclusion drawing, referring to the ISO 31000:2018 risk management framework. The results indicate that the primary market risk stems from gold price fluctuations, which impact the value of collateral and potentially lead to losses for the bank. Risk mitigation efforts include customer eligibility analysis, setting appropriate margins, regular gold price monitoring, and ongoing financing oversight. The implementation of ISO 31000:2018-based risk management helps the bank manage risk systematically and structuredly, resulting in safer and more stable financing. This research is expected to contribute to the development of Islamic banking risk management, especially in gold installment financing products.
The Impact of Social Media Influencers, Fintech, and Financial Planning on Investment Decisions Among Young Investors in the Sharia Capital Market Wahyuni Sri Rezeki; Supardi Mursalin; Kustin Hartini
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 2 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31652

Abstract

This study aims to examine the influence of influencers, financial technology, and financial planning on the investment decisions of young investors in the Islamic capital market, both partially and simultaneously. This research employs a quantitative approach with a causal associative research design. The population of this study consists of sharia stock investors registered with KISI Securities at STIA Bengkulu, with a sample of 50 respondents selected using purposive sampling techniques. Data were collected through questionnaires and analyzed using multiple linear regression with the assistance of SPSS version 18. The results show that, partially, influencers do not have a positive and significant effect on the investment decisions of young investors in the Islamic capital market. Meanwhile, financial technology and financial planning have a positive and significant effect on investment decisions. Simultaneously, influencers, financial technology, and financial planning have a significant effect on investment decisions. This study indicates that the investment decisions of young investors are more influenced by technological factors and financial planning capabilities rather than social influence from influencers. Keywords: Influencers, Financial Technology, Financial Planning, Investment Decisions, Islamic Capital Market.
Analisis Persepsi Konten Kreator Tentang Fitur Monetisasi Facebook Pro dan Kesesuaian dengan Prinsip Ekonomi Syariah Erex Yofanra; Supardi Mursalin; Katra Pramadeka
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11766

Abstract

The purpose of this study is to determine the Perception of Facebook Pro Content Creators towards the Monetization Features provided by Facebook Pro. To determine the suitability of Facebook Pro Content Creators' perceptions and sharia economic principles in the context of monetization on the Facebook Pro platform. Qualitative approach type. The results of the Content Creator Perception study of the Facebook Pro monetization feature are generally positive. This feature provides additional income opportunities that are beneficial, especially for housewives and Facebook Pro users who have monetized by uploading consistent, interesting content that is widely liked by other users. The existence of Monetization Features such as in-stream ads, Reels Ads, Donations, and Bonuses can help improve the welfare of both financial and non-financial creators. Compliance with Sharia Economic Principles, such as fairness, transparency, and benefits, are generally met in the Facebook Pro monetization feature. However, some aspects such as uncertainty in revenue sharing or conditions that are not fully understood by creators need to be improved to be more transparent and in accordance with sharia values.
Co-Authors Aditya Agni Ani Khusnul Hatimah Ardiansyah Ardiansyah Atisa Prianti Debby Arisandi Erex Yofanra Esti Alfiah Evan Stiawan Fidiyah Rayina Sugesti Hamdan Hamdan Indra Heriyantoni Pratama Juleha Safitri Katra Pramadeka Khozin Zaki Kustin Hartini Makmur Makmur Reza Nadia Trisca Rahmah Rahmah Rahmat Putra Ahmad Hasibuan Romi Adetio Setiawa Sabrina Aulia Salsabilla Syaifuddin Syaifuddin Wahnesly Nurliya Anggraini Wahyuni Sri Rezeki Yenti Sumarni Yetti Afrida Indra Yudia Gusti Fitiyani