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Islamic Securities Crowdfunding (I-SCF): A Potential Analysis of Sustainable Development Goals Based on Al-Maqashid Sharia’s Perspectives Fadhila Dhiyaul Wafa; Irni Sri Cahyanti; Muhsin Muhsin
Journal of Accounting Research, Organization and Economics Vol 5, No 3 (2022): JAROE Vol. 5 No. 3 December 2022
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jaroe.v5i3.30705

Objective –This research aims to analyze the potential of Islamic securities crowdfunding as an effort to create Sustainable Development Goals (SDGs) with an al-Maqashid Sharia perspective.Methodology –This research uses qualitative descriptive research methods to obtain a description or overview of the potential of I-SCF for the Sustainable Development Goals based on the perspective of Maqashid Sharia. It utilizes a literature study with a Maqashid Sharia perspective as the main reference.Results –Numerous studies show that sharia securities crowdfunding has the potential to strengthen MSME capital in the post-Covid-19 pandemic era, expand access to Islamic financial services for the community, create a profitable investment sector, and strengthen the halal industry. These potentials lead to the values of the purpose of Maqashid Sharia, which include the five main benefits (al-kulliyah al-khamsah).Research limitations –This research is limited to I-SCF in Indonesia hence subsequent studies may conduct further research on I-SCF in other countries for the purpose of comparisons. It also uses a quality-descriptive method hence future research may use quantitative analysis methods to provide a more specific picture of the influence on the SDGs.Implications - This research is important for the development and utilization of the potential of I-SCF in Indonesia. The study of Maqashid sharia on I-SCF shows that practically, I-SCF has maximum benefits for society without abandoning compliance with Islamic law.

Cash Waqf Linked Sukuk: Potential Mapping of Cash Waqf in Micro, Small and Medium Enterprises (MSMEs) Muhsin; Irni Sri Cahyanti; Fadhila Dhiyaul Wafa
LAA MAISYIR: Jurnal Ekonomi Islam Vol.10 No.1 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v10i1.37483

MSMEs are one of the industrial sectors that support the country's economic development because they not only play a role in business activities but also as community empowerment. Therefore, assistance from various parties is needed, including by being part of the distribution of cash waqf through CWLS SWR002 in the form of capital assistance. This study aims to analyze the mapping of CWLS potential for the development of the MSME sector assisted by LazisNU West Java. This research uses a qualitative approach with descriptive analysis methods. The results showed that with the increase in the number of wakif and the nominal amount of cash waqf in CWLS SWR002 so that in its management one of them can be allocated for MSME capital provision. LazisNU as a nazhir has an important role in this matter, considering that MSMEs around West Java based on BI survey data in 2020, only around 12.5% of MSMEs are not affected by the pandemic economically. So it is necessary to map the potential of money endowments in CWLS in the MSME sector, especially in West Java.

Sumber dan Norma Ekonomi Syariah di Lembaga Keuangan Syariah Bank dan Non Bank Irni Sri Cahyanti
Shidqia: Jurnal Keuangan dan Perbankan Syariah Vol. 1 No. 1 (2022): Juni
Publisher : Fakultas Agama Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30999/jsn.v1i1.762

Penelitian ini bertujuan untuk menjelaskan sumber dan norma ekonomi syariah pada lembaga keuangan syariah Bank dan Non Bank yang terdapat pada Al-Qur’an, Al-Hadits dan Ijtihad. Adapun metode penelitian yang digunakan adalah deskriptif kualitatif dengan pendekatan studi literatur. Adapun hasil dari penelitian ini adalah ditemukan konsep etika bisnis yang bersumber dari Al-Qur’an, Al-Hadits dan Ijtihad. Etika bisnis itu sendiri merupakan tuntutan yang harus dilaksanakan oleh pelaku bisnis dalam menegakkan konsep keseimbangan ekonomi. Dengan adanya etika dalam bisnis Syariah maka akan menjadikan sistem perekonomian berjalan secara baik dan seimbang.

Analysis of generation Z transaction interest in sharia banks based on digitalization and cyber security Siti Aisyah; Dede Istianah; Aditya Firmansyah; Muhammad Abdul Halim; Irni Sri Cahyanti
Keynesia : International Journal of Economy and Business Vol. 3 No. 1 (2024): Keynesia: International Journal of Economics and Business
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/keynesia.v3i1.1254

Digitalization is the change of analog to digital processes. The existence of digitalization provides great benefits for every industrial sector, including banking. Behind all these benefits there are risks that must also be faced, therefore cyber security is needed to overcome or defend data from cyber attacks (cyber crime). This study aims to determine the influence of digitalization and cyber security on the interest of generation z transactions in Islamic banks. The employed methodology is a quantitative research approach utilizing the SPSS program. The data for this study was collected by the distribution of online questionnaires using Google Forms to respondents, using purposive sampling approaches. The data gathered is considered primary data. The results of this study partially show that the digitalization variable does not affect the interest in generation z transactions in Islamic banks with a t-value of 1.761 > the table t of 1.978 and the cyber security variable affects the interest of generation z transactions with a t-value of 6,000 > t table of 1.978. simultaneously, digitalization and cyber security significantly affect the interest in Generation Z transactions in Sharia Banks with f calculation 49.43 > F table 3.07. Therefore, digitalization and cyber security strengthen the reason for generation Z in making transactions at Islamic banks in their daily lives.

THE EFFECT OF INTEREST RATES AND INFLATION ON ISLAMIC STOCK RETURNS IN COMPANIES LISTED ON THE JAKARTA ISLAMIC INDEX Cahyanti, Irni Sri; Janwari, Yadi; Solehudin, Ending; Jubaedah, Dedah
Airlangga International Journal of Islamic Economics and Finance Vol. 7 No. 01 (2024): JANUARY-JUNE 2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v7i01.55610

This research is motivated by macroeconomic fluctuations through interest rates and inflation followed by fluctuations in Islamic stock returns. This study aims to describe and analyze: 1) The effect of interest rates on Islamic stock returns in companies listed on the Jakarta Islamic Index; 2) The effect of inflation on the return of Islamic stocks in companies listed on the Jakarta Islamic Index; 3) The effect of interest rates and inflation simultaneously on the return of in companies listed on the Jakarta Islamic Index. This research method is with quantitative types, descriptive methods of analysis and empirical juridical approaches. The samples used by 8 companies listed in the Jakarta Islamic Index for the 2016-2022 period were taken by purposive sampling techniques. Data collection techniques use documentation through secondary data and data analysis methods (Panel Data Regression). The results showed that: 1) Interest rates partially had a positive and insignificant effect on the return of Islamic shares in companies listed on the Jakarta Islamic Index; 2) Inflation partially has a positive and insignificant effect on the return of sharia shares in companies listed on the Jakarta Islamic Index; 3) Simultaneously, interest rates and inflation have an insignificant effect on the return of Islamic stocks in companies listed on the Jakarta Islamic Index.

Adaptation of the Economic Order Quantity (EOQ) Model in the Perspective of Maqasid Shari’a Muhsin, Muhsin; Cahyanti, Irni Sri; Novita, Dwi; Rahayu, Yayuk Sri; Rasban, Sadali
al-'adalah Vol 21 No 2 (2024): Al-'Adalah
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/adalah.v21i2.26535

The economic order quantity (EOQ) model has become an important instrument in inventory management to minimize costs by balancing ordering and holding costs. This study examines the alignment of the EOQ model with the principles of Maqasid Shari’a, including hifdzul din (protecting religion), hifdzul nafs (protecting the soul), hifdzul aql (protecting reason), hifdzul nasl (protecting descendants), and hifdzul maal (protecting property) and its relevance in the context of Islamic business. Qualitative data were collected through a literature review with a content analysis approach, then analyzed thematically to identify the relationship between EOQ characteristics and Maqasid Shari’a dimensions. The results of the study indicate that the EOQ model is in line with the five principles of Maqasid Shari’a, which include: 1) Hifdzul din: 2) Hifdzul nafs: 3) Hifdzul aql: 4) Hifdzul nasl: 5) Hifdzul maal: This study concludes that by integrating the EOQ model with Maqasid Shari’a, maslahah (common good) will be achieved in the form of economic efficiency and strengthening the ethical and social dimensions in business. The implications will encourage increased transparency, waste reduction, and environmental sustainability. These findings can be a conceptual basis for developing a holistic inventory management model following Islamic economics principles.

SYNERGIZING ESG AND SHARIAH VALUES FOR SUSTAINABLE ECONOMIC RESILIENCE Irni Sri Cahyanti; Gita Priyanti
Gunung Djati Conference Series Vol. 56 (2025): Seminar Nasional Ekonomi dan Bisnis Islam
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar

This research aims to explore the synergy between Environmental, Social, and Governance (ESG) principles and Sharia values as an integrated approach to strengthening sustainable economic resilience. Using a qualitative descriptive method, data was collected through semi-structured interviews with key informants from Islamic finance practitioners, academics, regulators, and sustainability activists, and supported by literature and documentation studies. The results of the study show that there is a strong common ground between ESG principles and maqasid shariah, especially in the aspects of environmental protection (hifz al-bi'ah), social justice (adl), and trustworthy governance (governance). However, this integration still faces challenges such as the lack of sharia-based ESG indicators and limited literacy among practitioners. This research confirms that integrating ESG and Sharia values can strengthen the ethical framework in the financial system and provide a resilient foundation for inclusive and sustainable economic development.

Analysis of generation Z transaction interest in sharia banks based on digitalization and cyber security Aisyah, Siti; Istianah, Dede; Firmansyah, Aditya; Halim, Muhammad Abdul; Cahyanti, Irni Sri
Keynesia : International Journal of Economy and Business Vol. 3 No. 1 (2024): Keynesia: International Journal of Economics and Business
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/keynesia.v3i1.1254

Digitalization is the change of analog to digital processes. The existence of digitalization provides great benefits for every industrial sector, including banking. Behind all these benefits there are risks that must also be faced, therefore cyber security is needed to overcome or defend data from cyber attacks (cyber crime). This study aims to determine the influence of digitalization and cyber security on the interest of generation z transactions in Islamic banks. The employed methodology is a quantitative research approach utilizing the SPSS program. The data for this study was collected by the distribution of online questionnaires using Google Forms to respondents, using purposive sampling approaches. The data gathered is considered primary data. The results of this study partially show that the digitalization variable does not affect the interest in generation z transactions in Islamic banks with a t-value of 1.761 > the table t of 1.978 and the cyber security variable affects the interest of generation z transactions with a t-value of 6,000 > t table of 1.978. simultaneously, digitalization and cyber security significantly affect the interest in Generation Z transactions in Sharia Banks with f calculation 49.43 > F table 3.07. Therefore, digitalization and cyber security strengthen the reason for generation Z in making transactions at Islamic banks in their daily lives.

Islamic Securities Crowdfunding (I-SCF): A Potential Analysis of Sustainable Development Goals Based on Al-Maqashid Sharias Perspectives Wafa, Fadhila Dhiyaul; Cahyanti, Irni Sri; Muhsin, Muhsin
Journal of Accounting Research, Organization and Economics Vol 5, No 3 (2022): JAROE Vol. 5 No. 3 December 2022
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jaroe.v5i3.30705

Objective This research aims to analyze the potential of Islamic securities crowdfunding as an effort to create Sustainable Development Goals (SDGs) with an al-Maqashid Sharia perspective.Methodology This research uses qualitative descriptive research methods to obtain a description or overview of the potential of I-SCF for the Sustainable Development Goals based on the perspective of Maqashid Sharia. It utilizes a literature study with a Maqashid Sharia perspective as the main reference.Results Numerous studies show that sharia securities crowdfunding has the potential to strengthen MSME capital in the post-Covid-19 pandemic era, expand access to Islamic financial services for the community, create a profitable investment sector, and strengthen the halal industry. These potentials lead to the values of the purpose of Maqashid Sharia, which include the five main benefits (al-kulliyah al-khamsah).Research limitations This research is limited to I-SCF in Indonesia hence subsequent studies may conduct further research on I-SCF in other countries for the purpose of comparisons. It also uses a quality-descriptive method hence future research may use quantitative analysis methods to provide a more specific picture of the influence on the SDGs.Implications - This research is important for the development and utilization of the potential of I-SCF in Indonesia. The study of Maqashid sharia on I-SCF shows that practically, I-SCF has maximum benefits for society without abandoning compliance with Islamic law.

THE ROLE OF DIGITAL PLATFORM QUALITY IN SHAPING DONOR SATISFACTION AND LOYALTY: A STUDY ON RUMAH ZAKAT ONLINE DONATION SERVICES Rusmayadi, Syaira Raditya; Rosinawati, Dian; Cahyanti, Irni Sri; Novita, Dwi
Journal of Management and Islamic Finance Vol. 5 No. 2 (2025): Journal of Management and Islamic Finance
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jmif.v5i2.13147

Rumah Zakat as a national zakat institution has adopted online donation services to facilitate the process of collecting funds. However, there are still problems with online donations that occur at Rumah Zakat, namely: system errors, virtual accounts, and pending transactions that affect donor satisfaction and loyalty at Rumah Zakat. So, this study aimed to 1) determine the implementation of online donation service quality 2) to determine the measurement of donor satisfaction and loyalty 3) to test the effect of online donation service quality on donor satisfaction and loyalty. This study used a quantitative method with a descriptive approach. Data collection techniques were carried out through questionnaires involving 100 donor respondents. The data were analyzed using simple linear regression by SPSS software version 25. The results showed that the quality of online donation services had a significant positive effect on donor satisfaction. And the quality of online donation services had a significant positive effect on donor loyalty. These findings confirm that improving service quality, such as reliability, responsiveness, assurance, empathy, and the physical appearance of the digital platform, can create a positive donation experience, to increase satisfaction, and encourage long-term donor loyalty to Rumah Zakat.

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