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All Journal Banco: Jurnal Manajemen dan Perbankan Syariah International Journal of Islamic Business and Economics (IJIBEC)
Sry Muliyani
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Religion Humanities Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Isu Kepatuhan Syariah pada Akad Musyarakah Mutanaqishah di Indonesia Sry Muliyani; Mawaddah Rachman; Eka Dewintara; Rahman Ambo Masse
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 4 No 2 (2022): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v4i2.3582

Abstract

The development of Islamic financial institutions in Indonesia has increased quite a bit from year to year. This is because people's interest in saving is quite high in Islamic financial institutions. Interest-based conventional financial institutions can be compared with products from Islamic financial institutions. For example, cooperation-based sharia banking products with a "profit and loss sharing" system such as musyarakah and mudharabah contracts. The implementation of cooperation products with this musyarakah contract did not show significant growth so that the innovation of the musyarakah contract was implemented which resulted in a Musyarakah Mutanaqishah contract in accordance with National Syari'ah Council Fatwa No: 08/DSN-MUI/IV/2000 Concerning Musyarakah Financing and Council Fatwa National Sharia No: 73/DSN-MUI/XI/2008 Concerning Musyarakah Mutanaqisah. The purpose of writing this paper is to analyze the issue of sharia compliance in musyarakah mutanaqishah contracts practiced in sharia banking products in Indonesia. These issues consist of sharia issues, legal issues and operational issues according to the musyarakah and musyarakah mutanaqishah product standard books published by the Financial Services Authority (OJK) in 2016. The results of the analysis in this paper show that first, sharia issues generally occur in this issue. is the existence of "two contracts in one item" where the rental and purchase contracts are agreed at the same time. Second, legal issues related to the existence of different perspectives between fiqh rules and Indonesian positive law related to the recording of ownership certificates. And the third issue, an operational issue where there is price independence when a financing contract with a musyarakah scheme is made that requires a transfer of ownership.
Gamified Financialization in The Light of Islamic Behavioural Economics: Psychological and Ethical Dimensions of Speculative Behaviour in Virtual Asset Markets Said, Muhammad; Andi Kiki Patmawati; Minhajuddin Madi; Sry Muliyani; Andi Dinul Islam Firdaus
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 2 (2025): Volume 9 Nomor 2 Tahun 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v9i2.12596

Abstract

The phenomenon of gamification in virtual asset trading has transformed investment behavior into an activity driven by psychological mechanisms such as Fear of Missing Out (FOMO), overconfidence, herding behavior, and loss aversion. This study aims to analyze how gamified design in digital trading platforms fosters speculative behavior that violates Islamic ethical principles such as tawazun (balance between risk and benefit), gharar (excessive uncertainty), and maisir (gambling). Employing a qualitative approach through a systematic literature review of academic journals and industry reports, the study finds that features such as real-time notifications, leaderboards, and reward animations increase trading frequency, risk-taking, and market volatility. These dynamics create asymmetry in risk and reward, disproportionately harming low-literacy retail investors. The study concludes that digital financial innovation must be balanced with ethical regulation, financial literacy, and maslahah-based design to ensure market justice and sustainability in line with Islamic economic principles. This research contributes to strengthening Islamic financial ethics and integrating maqasid al-shariah values into modern digital finance innovation
Co-Authors Andi Dinul Islam Firdaus Andi Kiki Patmawati EKA DEWINTARA Mawaddah Rachman Minhajuddin Madi MUHAMMAD SAID Rahman Ambo Masse