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All Journal Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah ILTIZAM Journal of Sharia Economic Research International Journal of Economics Development Research (IJEDR) KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH AL-FALAH : Journal of Islamic Economics Share: Jurnal Ekonomi dan Keuangan Islam Al Huwiyah: Journal of Woman and Children Studies Yurisprudentia: Jurnal Hukum Ekonomi JEBD Bersama : Jurnal Pengabdian Masyarakat Journal of Economics and Development
Muhamad Rahman Bayumi
Universitas Islam Negeri Raden Fatah Palembang
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Transition to Sharia-Compliant Finance in Aceh: Miscommunication, Misperceptions, and Resistance Bayumi, Muhamad Rahman; Jaya, Rizal Alfit; Diem, M. Junestrada
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 1 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i1.22552

Abstract

The implementation of Qanun (Islamic Law) Aceh No. 11 of 2018, mandating all financial institutions in the province of Aceh, Indonesia, to operate solely on Islamic principles from January 4, 2022, sparked protests from certain parties, and thus became a nationwide controversy. Some media reports often depicted the Qanun as causing heightened unemployment and poverty due to the exclusion of conventional banking. This research investigates the discourse contestation surrounding the prohibition of conventional banks in Aceh. Employing a philosophical qualitative approach, the study analyzes instances of miscommunication, misperceptions, and resistance concerning the Qanun's implementation. Primary data collection involved interviews with diverse stakeholders, including grassroots communities, members of the Sharia Economic Society (MES), the Indonesian Association of Islamic Economists (IAEI), Financial Services Authority (OJK) officials, religious leaders, and economists.  Researcher observations conducted in 2019 and 2022 in Aceh further enriched the data. Secondary data, comprising online news and relevant documents, supplemented the findings. Through triangulation techniques and an integration-interconnection paradigm, the study revealed that the perceived conflict was largely amplified by media portrayals of protests, often lacking comprehensive and objective analysis. Consequently, this study proposes solutions, strategies, and models to facilitate the effective implementation of the Qanun, aiming to realize its intended benefits and contribute to Aceh's sustainable progress through the advancement of maqashid sharia.========================================================================================================ABSTRAK – Transisi ke Keuangan Syariah di Aceh: Miskomunikasi, Mispersepsi, dan Resistensi. Qanun Aceh No. 11 Tahun 2018, yang mewajibkan penerapan prinsip keuangan syariah di seluruh lembaga keuangan di Aceh sejak 4 Januari 2022, memicu berbagai reaksi dan menjadi perbincangan nasional. Media massa kerap mengaitkan Qanun ini dengan peningkatan angka pengangguran dan kemiskinan di Aceh akibat pelarangan operasional perbankan konvensional. Penelitian ini mengkaji kontestasi wacana terkait pelarangan bank konvensional di Aceh menggunakan pendekatan kualitatif filosofis. Penelitian ini menganalisis miskomunikasi, mispersepsi, dan resistensi terkait penerapan Qanun Aceh No. 11 Tahun 2018. Data primer dikumpulkan melalui wawancara dengan berbagai pemangku kepentingan, termasuk komunitas akar rumput, anggota Masyarakat Ekonomi Syariah (MES), Ikatan Ahli Ekonomi Islam (IAEI), pejabat Otoritas Jasa Keuangan (OJK), tokoh agama, dan ekonom. Observasi lapangan juga dilakukan pada tahun 2019 dan 2022. Data sekunder berupa berita online dan dokumen relevan lainnya turut dikaji untuk memperkaya analisis. Teknik triangulasi dan paradigma integrasi-interkoneksi digunakan untuk menganalisis data. Analisis menunjukkan bahwa resistensi terhadap Qanun tersebut sebagian besar disebabkan oleh penggambaran media tanpa analisis yang komprehensif dan objektif, seringkali hanya fokus pada satu atau dua kejadian. Penelitian ini menawarkan beberapa solusi, strategi, dan model untuk memfasilitasi penerapan Qanun yang efektif dan mencapai manfaat yang diinginkan, serta berkontribusi pada kemajuan Aceh yang berkelanjutan melalui pemajuan maqashid syariah.
MEMBANGUN LOYALITAS NASABAH MELALUI PENGUATAN DIGITALISASI DI INDONESIA Zahra, Nadya Az; Lemiyana, Lemiyana; Bayumi, Muhamad Rahman
Yurisprudentia: Jurnal Hukum Ekonomi Vol 9, No 2 (2023)
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/yurisprudentia.v9i2.8588

Abstract

Kepuasan dan loyalitas merupakan faktor penting dan menjadi tujuan setiap perusahaan tak terkecuali perbankan. Layanan mobile banking di era teknologi menjadi pilihan bagi nasabah, oleh karena itu E-Service Quality serta E-Trust perlu dibangun demi mencapai loyalitas dan kepuasan nasabah. Mengetahui pengaruh dari E-Service Quality dan E-Trust terhadap loyalitas nasabah Bank Syariah Indonesia KCP Palembang Merdeka yang dimediasi oleh Kepuasan Nasabah adalah tujuan dari penelitian. Metode pengumpulan data adalah melalui kuesioner menggunakan skala likert. Populasinya berjumlah 2.100 nasabah, sampelnya berjumlah 95 responden dengan menggunakan teknik purposive sampling. Pengaruh positif dan signifikan ditunjukkan oleh Path Coeficient mengenai E-Service Quality dan E-Trust pada loyalitas nasabah. Selain itu, pengaruh positif signifikan juga diberikan oleh E-Service Quality dan E-Trust pada kepuasan nasabahnya. Kepuasan nasabah dapat memediasi hubungan E-Service Quality dan E-Trust terhadap loyalitas nasabah.
Online Gambling and Economic Crisis: Safeguarding National Stability through Islamic Economics Bayumi, Muhamad Rahman; Jaya, Rizal Alfit; Muhammad Fikri Hijami; Sarehan Khawankawin
AL-FALAH : Journal of Islamic Economics Vol. 2 No. 10 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v2i10.14772

Abstract

ABSTRACT Purpose: This study aims to analyze the behavior of the online gambling phenomenon that disrupts the stability of the national economy. Design/Method/Approach: The research method uses a qualitative approach with a focus on the phenomenology of online gambling behavior. Data were collected through in-depth interviews with victims affected by online gambling, as well as document analysis from relevant sources. Semi-structured interviews were conducted to understand personal experiences, perceptions, and the impact of online gambling behavior on victims’ lives. The stages in this research include understanding the data, developing codes, and ultimately identifying themes. Data analysis was carried out using thematic analysis techniques with NVIVO12 to identify patterns and themes that emerged from the collected data. Findings: The findings of this study reveal that online gambling behavior has disrupted and damaged the foundations of the economic system. In the long run, such practices undermine Indonesia’s economic stability and contradict the principles of Islamic economics, which emphasize justice, sustainability, and the prevention of harm (mafsadah) to society. Originality/Values: Online gambling has become one of the urgent problems in Indonesia. This issue is reinforced by the wave of digitalization, which provides many conveniences for the public in accessing online gambling. The rise of online gambling problems causes Indonesia’s economy to continually face issues such as poverty, wage inequality, and low productivity, which can generate a multiplier effect on other sectors.
Co-Authors Africano, Fernando Bunga Mar’atush Shalihah Diem, M. Junestrada Dur Brutu Fadhilah Oktariani Faisal Muttaqin Jaya, Rizal Alfit Lemiyana LIDIA DESIANA M. Iqbal M. Junestrada Diem Maya Panorama Muhammad Fikri Hijami Muhammad Iqbal Muhammad Junestrada Diem Muhlis Nur Hesthria Nur Syamsiyah Ria agustina Rizal Alfit Jaya Rizal Alfit Jaya Rizal Alfit Jaya Sarehan Khawankawin Shalihah, Bunga Maratush Wibisono, Eristian Yudhistira Ardana Zahra, Nadya Az