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All Journal Jurnal Ilmiah Ekonomi Islam Musyarakah: Journal of Sharia Economics (MJSE)
Ainol Yaqin SM
Universitas Muhammadiyah Surabaya
Religion Economics, Econometrics & Finance Social Sciences

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Implementasi Produk Investasi Sukuk Ritel SR 017 Pada Bank Syariah Indonesia KCP Rungkut 1 Surabaya Danisa Nanda Pratiwi; Arin Setiyowati; Ainol Yaqin SM; Rizka Firdausy Nuzula
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 1 (2023): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (215.993 KB) | DOI: 10.24269/mjse.v12i1.6500

Abstract

Retail Sukuk and Savings Sukuk are relevant funding alternatives used to raise funds from the public with low risk. Another advantage of Retail Sukuk and Savings Sukuk is that these investment products are specifically for Indonesian Citizens, thereby reducing Indonesia's dependence on foreign loans and reducing the risk of fluctuations in foreign exchange. This study uses a qualitative research method with a case study approach. The data sources used in this study are primary data sources through observation, interviews and documentation. Meanwhile, secondary data was obtained from a literature review related to the theme of retail sukuk and others. The data validity technique used in this study was triangulation of data sources. Data analysis techniques start from the process of collecting data, then compiling, categorizing data, looking for themes so that they can be interpreted. So that from this study the results of the analysis of retail sukuk SR 017 at BSI KC Rungkut 1 Surabaya, that the benefits of retail sukuk, investment guaranteed by the state (Safe), a period that fits the needs of financial planning, help build the country, halal, profitable and tax lower (10%), and affordable, with only IDR 1 million you can already invest in retail sukuk. And every risk in retail sukuk every year, has liquidity risk mitigation to overcome it. Retail Sukuk can be traded on the secondary market after three coupon payments. Retail Sukuk at BSI is in accordance with the legal basis stated in the fatwa of the National Sharia Council, so that it is in accordance with the background of  Bank BSI which runs according to Islamic sharia. 
Peluang Dan Tantangan Perbankan Syariah Di Tengah Maraknya Financial Technology (Fintech) Berbasis Pinjaman Online Arin Setiyowati; Ainol Yaqin SM
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.8613

Abstract

The purpose of this research is to show the opportunities and obstacles that exist in Islamic banking in the midst of the development of online loan-based fintech which is widely used by the public due to the ease of applying for loans. This is different from financing in Islamic banking in terms of submitting financing which is not as easy and fast as that offered by fintech. This research uses a qualitative method with data collection techniques through literature study. From the data collected, researchers will compare the opportunities and challenges of Islamic banking in the midst of the development of online loan-based fintech. The results of this research indicate that the opportunity for Islamic banking is to be able to increase access to finance for the unreached public through collaboration with Islamic fintech, attracting, collecting and channeling funds at a broader level, and channeling digital-based Islamic financing. The challenges are in regulating and supervising fintech companies operating within the Islamic banking system, competition with conventional fintech that do not follow sharia principles, and the lack of public education about the differences between loans in Islamic banking and fintech online loans.
Co-Authors Danisa Nanda Pratiwi Rizka Firdausy Nuzula Setiyowati, Arin