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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.

How Islamic Social Finance Boosts Psychological Well-Being? Cahyanti, Irni Sri; Ulfah, Ulfah; Suhendi, Endi
Share: Jurnal Ekonomi dan Keuangan Islam Vol 13, No 2 (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.v13i2.19998

While the economic impact of Islamic social finance (ISF) is increasingly acknowledged, its potential contribution to psychological well-being remains underexplored. This study investigates the relationship between ISF practices (Zakat, Infaq, Sadaqah, Waqf) and psychological well-being. Using a qualitative descriptive approach, the study undertakes a comprehensive review of existing literature, encompassing books and national and international journal articles. Findings demonstrate a strong correlation between ISF and various dimensions of psychological well-being, including self-acceptance, positive relationships, autonomy, environmental mastery, life goals, and self-development. This positive association is attributed to ISF's central role in achieving Falah (spiritual prosperity) within the maqashid al-sharia (objectives of Islamic law) framework, fostering social justice and shared prosperity conducive to individual well-being. The study recommends that philanthropic institutions prioritize enhancing service quality in collecting and distributing ISF funds to maximize their positive impact on psychological well-being within the community.========================================================================================================ABSTRAK – Bagaimana Keuangan Sosial Syariah Meningkatkan Kesejateraan Psikologis? Meskipun dampak ekonomi keuangan sosial syariah (KSS) semakin diakui, potensinya terhadap kesejahteraan psikologis masih belum banyak dieksplorasi. Studi ini bertujuan untuk mengkaji hubungan antara praktik KSS (Zakat, Infak, Sedekah, Wakaf) dengan kesejahteraan psikologis. Dengan pendekatan deskriptif kualitatif, studi ini melakukan tinjauan literatur yang komprehensif dengan menganalisis sejumlah buku dan artikel, baik dari jurnal nasional maupun internasional. Temuan menunjukkan hubungan yang erat antara KSS dan berbagai dimensi kesejahteraan psikologis, meliputi penerimaan diri, hubungan positif, otonomi, penguasaan lingkungan, tujuan hidup, dan pengembangan diri. Hubungan positif ini tidak terlepas dari peran sentral KSS dalam mencapai Falah (kesejahteraan spiritual) dalam kerangka maqashid al-syariah (tujuan hukum Islam), mendorong keadilan sosial, dan meningkatkan kemakmuran bersama yang kondusif bagi kesejahteraan individu. Studi ini merekomendasikan agar lembaga filantropi memprioritaskan peningkatan kualitas layanan dalam pengumpulan dan pendistribusian dana KSS untuk memaksimalkan dampak positifnya terhadap kesejahteraan psikologis masyarakat.

How Islamic Social Finance Boosts Psychological Well-Being? Cahyanti, Irni Sri; Ulfah, Ulfah; Suhendi, Endi
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 2 (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.v13i2.19998

While the economic impact of Islamic social finance (ISF) is increasingly acknowledged, its potential contribution to psychological well-being remains underexplored. This study investigates the relationship between ISF practices (Zakat, Infaq, Sadaqah, Waqf) and psychological well-being. Using a qualitative descriptive approach, the study undertakes a comprehensive review of existing literature, encompassing books and national and international journal articles. Findings demonstrate a strong correlation between ISF and various dimensions of psychological well-being, including self-acceptance, positive relationships, autonomy, environmental mastery, life goals, and self-development. This positive association is attributed to ISF's central role in achieving Falah (spiritual prosperity) within the maqashid al-sharia (objectives of Islamic law) framework, fostering social justice and shared prosperity conducive to individual well-being. The study recommends that philanthropic institutions prioritize enhancing service quality in collecting and distributing ISF funds to maximize their positive impact on psychological well-being within the community.========================================================================================================ABSTRAK – Bagaimana Keuangan Sosial Syariah Meningkatkan Kesejateraan Psikologis? Meskipun dampak ekonomi keuangan sosial syariah (KSS) semakin diakui, potensinya terhadap kesejahteraan psikologis masih belum banyak dieksplorasi. Studi ini bertujuan untuk mengkaji hubungan antara praktik KSS (Zakat, Infak, Sedekah, Wakaf) dengan kesejahteraan psikologis. Dengan pendekatan deskriptif kualitatif, studi ini melakukan tinjauan literatur yang komprehensif dengan menganalisis sejumlah buku dan artikel, baik dari jurnal nasional maupun internasional. Temuan menunjukkan hubungan yang erat antara KSS dan berbagai dimensi kesejahteraan psikologis, meliputi penerimaan diri, hubungan positif, otonomi, penguasaan lingkungan, tujuan hidup, dan pengembangan diri. Hubungan positif ini tidak terlepas dari peran sentral KSS dalam mencapai Falah (kesejahteraan spiritual) dalam kerangka maqashid al-syariah (tujuan hukum Islam), mendorong keadilan sosial, dan meningkatkan kemakmuran bersama yang kondusif bagi kesejahteraan individu. Studi ini merekomendasikan agar lembaga filantropi memprioritaskan peningkatan kualitas layanan dalam pengumpulan dan pendistribusian dana KSS untuk memaksimalkan dampak positifnya terhadap kesejahteraan psikologis masyarakat.

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.

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