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All Journal Journal Islamic Economics Ad Diwan Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah As-Syirkah: Islamic Economic & Financial Journal
M. Wanri Wahyudin
Institut Ummul Quro Al-Islami Bogor
Religion Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences Other

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STRATEGI PENANGANAN NON PEFORMING FINANCING (NPF) PADA BANK PEMBIAYAAN RAKYAT SYARIAH M. Wanri Wahyudin
AD DIWAN Vol. 2 No. 1 (2022): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

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Abstract

Pembiayaan bermasalah atau non performing financing (NPF) masih menjadi masalah yang harus dihadapi dengan serius oleh setiap perbankan karena dengan menekan tingkat NPF makan bank tersebut dapat dikatakan sehat, Bank Pembiayaan Rakyat Syariah atau BPRS merupakan sektor perbankan mikro yang masih menghadapi tingkat NPF yang masih diatas ketentuan Otoritas jasa Keungan (OJK) yaitu 5%. Penelitian ini bertujuan untuk menganalisa penyebab terjadinya pembiayaan bermasalah serta merumuskan strategi penanganannya. Teknik pengambilan data pada penelitian ini adalah dengan cara wawancara dengan pihak pengelola BPRS dan studi literature. Hasil penelitian ini menunjukan bahwa beberapa kasus terjadinya pembiayaan bermasalah diakibatkan oleh keadaan ekonomi terkini dan proses seleksi nasabah yang kurang relevan. Strategi yang dapat diterapkan oleh BPRS adalah dengan menganalisis data dan riwayat nasabah serta langkah untuk menekan tingkat NPF yaitu dengan langkah preventif dan kuratif
Inklusi Keuangan dan Literasi Keuangan Syariah di Era Digital: Analisis Dampaknya terhadap Pertumbuhan Ekonomi M. Wanri Wahyudin; Mastur Mastur; Vivi Ulfatul Aziz; Sutia Arini; Rima Devi Yani
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i8.12937

Abstract

The development of digital technology has driven transformation in the financial system, including within the Islamic finance sector. In this context, Islamic financial literacy and financial inclusion are important factors that can enhance public participation in the formal financial system and support economic growth. However, the levels of Islamic financial literacy and financial inclusion among the public remain relatively low, which may hinder the optimal contribution of Islamic finance to the economy. This study aims to analyze the impact of Islamic financial literacy and financial inclusion on economic growth in the digital era. The research employs a quantitative approach using multiple linear regression analysis with the assistance of SPSS software. The data were collected through questionnaires distributed to respondents who met the research criteria. The results show that Islamic financial literacy has a positive and significant effect on economic growth, indicating that increased public understanding of Islamic financial concepts and products can encourage more productive economic activities. Furthermore, financial inclusion also has a positive and significant effect on economic growth, suggesting that broader access to formal financial services contributes to increased economic activity. The findings of this study indicate that improving Islamic financial literacy and expanding access to financial services, particularly through digital financial technology, can serve as an important strategy in promoting more inclusive and sustainable economic growth.
Membangun Kepercayaan Pengguna Melalui Transparansi Akad Syariah Sebagai Strategi Peningkatan Penggunaan Fintech Syariah Moh. Asep Zakariya Ansori; M. Wanri Wahyudin; Hanan Alawiah; Syahra Putri Syuardiansyah; Suhendri Suhendri
As-Syirkah: Islamic Economic & Financial Journal Vol. 5 No. 1 (2026): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/

Abstract

The development of Islamic fintech in Indonesia faces user trust challenges despite offering financial services based on sharia principles. This research aims to analyze the influence of sharia contract transparency on user trust and its implications for increasing Islamic fintech usage. The research method employs a literature study with a qualitative approach, analyzing trusted journal articles using keywords "Islamic fintech", "sharia transparency", "user trust", and "sharia-based digital financial innovation". The research findings indicate that sharia contract transparency plays a crucial role in building user trust by providing clear information regarding contract types, transaction mechanisms, rights and obligations, as well as sharia legal foundations. Transparency is capable of reducing risk perception and uncertainty, while simultaneously increasing public sharia financial literacy. Trust functions as a mediating variable that bridges sharia principle transparency with the increase in Islamic fintech usage. This research affirms that contract transparency is not merely a normative obligation, but also an effective business strategy for building long-term relationships with users and strengthening the competitiveness of the Islamic finance industry. Practically, the research findings can serve as a reference for Islamic fintech providers in designing more transparent and accountable operational communication, as well as providing input for regulators in strengthening Islamic fintech governance in Indonesia.
Co-Authors Hanan Alawiah Mastur Mastur Moh. Asep Zakariya Ansori Rima Devi Yani Suhendri Suhendri Sutia Arini Syahra Putri Syuardiansyah Vivi Ulfatul Aziz