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All Journal Jurnal Ar-Ribh Jurnal Kajian Manajemen Dakwah International Journal of Islamic Business and Economics (IJIBEC)
Andi Kiki Patmawati
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Environmental Science

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Peran Lazismu Kota Parepare Dalam Penyaluran Dana Infaq Untuk Pemberdayaan Usaha Kecil Andi Kiki Patmawati; Ramli Ramli; Muhammad Haramain
Jurnal Kajian Manajemen Dakwah Vol 3 No 1 (2021): Jurnal Kajian Manajemen Dakwah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (670.757 KB)

Abstract

The research focuses on the role of LAZISMU Parepare in disbursing infaq funds for small business empowerment, the research objective is to determine the role of LAZISMU Parepare in distributing infaq funds for small business empowerment and the impact of the distribution of infaq funds on small business empowerment. This research use desciptive qualitative approach. The data analysis technique used is both inductive. To test the validity of the data through triangulation, the triangulation used in this research is data triangulation, method and theory triangulation. The results showed that the distribution of infaq funds for empowerment that had been carried out by LAZISMU was very felt and beneficial for small businesses
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
Financing Risk Management in the Micro Business Unit of Bank Syariah Indonesia: A Case Study of the Parepare Branch I Nyoman Budiono; Syahriayah Semaun; Andi Kiki Patmawati; Sri Sugiarti Salim; Nur Aisah Sari
Jurnal Ar-Ribh Vol. 9 No. 1 (2026): April 2026
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/ttjhj447

Abstract

Risk Management is a structured and systematic process of identifying, measuring, monitoring, controlling, and communicating risks in Islamic banks. This study, entitled "Financing Risk Management in the Micro Business Unit of Bank Syariah Indonesia, Parepare Branch", aims to analyze the financing process and implementation of risk management within BSI's micro business segment in Parepare. The research employed a Descriptive Qualitative method with a case study approach. Primary data was gathered through in-depth interviews with BSI employees responsible for the Micro Business Unit in the Parepare Branch, supplemented by comparison data from BSI employees outside the region. This qualitative approach ensured a deeper understanding of financing distribution procedures and specific risk strategies.The findings reveal two main results. First, the micro financing process at BSI Parepare is comprehensive, involving customer application, SLIK Checking, field checks, thorough 5C analysis, committee approval, legal binding, disbursement, and rigorous monitoring. Second, risk management is continuous, focusing on identification, measurement, monitoring, and control. Control mechanisms emphasize the analysis of micro debtors’ character and capacity, utilizing early warning systems, and offering financing restructuring to effectively minimize potential default risks.
Co-Authors Andi Dinul Islam Firdaus I Nyoman Budiono Minhajuddin Madi Muhammad Haramain MUHAMMAD SAID Nur Aisah Sari Ramli Ramli Sri Sugiarti Salim Sry Muliyani Syahriayah Semaun