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All Journal Syntax Literate: Jurnal Ilmiah Indonesia Cakrawala Repositori Imwi jurnal syntax admiration Jurnal Indonesia Sosial Sains Journal Research of Social Science, Economics, and Management Insight : International Journal of social research Journal of Digital Business and Data Science
Feri Hardiyanto
Universitas Cendekia Mitra Indonesia
Aerospace Engineering Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Neuroscience Physics Social Sciences Other

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Sharia Financial And Banking Product Innovation In SMEs Development Subkhan, Mohammad; Hardiyanto, Feri; Widya, Widya; Maghfiroh, Diana
International Journal of Social Research Vol. 1 No. 1 (2023): Insight : International Journal of social research
Publisher : Worldwide Research Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/insight.v1i1.3

Abstract

The financial product innovation that exists at the KHAS Kempek Micro Waqf Bank, Cirebon Regency is one of several sharia MFIs for community empowerment programs through the establishment of Sharia MFIs around Islamic boarding schools, which in its establishment was facilitated by the Financial Services Authority (OJK) and the Small Business Business Incubation Center (PINBUK). This study aims to find out how to optimize the use of Islamic products at Micro Waqf Banks for Islamic Financial and Banking Innovation in MSME Development. Method study using a qualitative approach to design descriptive analytical. Source of data used is primary data sources from data obtained by observing and interviewing directly from the source, namely at the KHAS Kempek Micro Waqf Bank, Cirebon Regency as well as collecting documentation from books, articles, journals, the internet and various other sources which are then processed and analyzed with stages of analysis which include data reduction, data display and verification as well as conclusions. Results from study shows that Islamic Financial and Banking Innovation Micro Waqf Bank KHAS Kempek Cirebon Regency for the Economic Empowerment of Micro Enterprise Actors (MSMEs) around Islamic Boarding Schools is operating with sharia principles that are committed to tackling the problem of poverty and inequality by providing access to capital to productive poor people or to micro-entrepreneurs around Islamic boarding schools to improve their standard of living and help them with loans that are unsecured or collateral and most importantly with very low margins, which are equivalent to 3% per year, by maximizing cash waqf funds in providing loans capital, coaching and evaluation. It was concluded that the KHAS Kempek Micro Waqf Bank, Cirebon Regency, had succeeded in empowering the micro-business actors around Islamic boarding schools with sharia principles.
A Comparative Study Of Nahdlatul Ulama And Muhammadiyah On E-Commerce Peer-To-Peer Lending Subkhan, Mohammad; Aziz, Abdul; Wartoyo, Wartoyo; Hardiyanto, Feri
International Journal of Social Research Vol. 1 No. 1 (2023): Insight : International Journal of social research
Publisher : Worldwide Research Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/insight.v1i1.2

Abstract

Peer-to-Peer Lending has become a significant phenomenon in the development of digital financial services in Indonesia. This comparative study analyzes the perspectives of Nahdlatul Ulama and Muhammadiyah on Peer-to-Peer Lending practices. The aim of this research is to identify the similarities and differences in the views and approaches of these two largest Islamic organizations in Indonesia towards this digital financial service. Comparative study methodology is employed as the approach in this research. Data is obtained through literature analysis, official documents, and interviews with key figures from NU and Muhammadiyah. Analyzed aspects encompass relevant Sharia principles, socio-economic impacts, consumer protection, as well as views on ethics and religious values in the context of Peer-to-Peer Lending services. The results of the analysis show that, overall, the comparative study between Nahdlatul Ulama and Muhammadiyah regarding e-commerce Peer-to-Peer Lending shares common ground. In the perspectives of Nahdlatul Ulama and Muhammadiyah, riba or interest in online lending practices is considered prohibited (haram) as it contradicts Islamic Sharia principles that prohibit ribawi financial transactions. The difference between the two, Nahdlatul Ulama and Muhammadiyah, is predominantly in their legal deduction (istinbath) approach; Nahdlatul Ulama relies on the consensus (Ijma’) of scholars found in classical jurisprudential texts, while Muhammadiyah derives its legal deduction through Bayani Ijtihad, drawing from the textual sources in the Quran and Hadith of Prophet Muhammad. The implications of these findings underscore the need for collaboration between Islamic organizations and Peer-to-Peer Lending industry stakeholders to ensure services aligned with religious values and ethics, as well as to enhance public understanding of the potential risks and benefits of these services. This comparative study provides a deeper understanding of the roles and perspectives of NU and Muhammadiyah on financial technology advancements, offering a more comprehensive view of the social and economic implications of Peer-to-Peer Lending within the context of Indonesian society.
Co-Authors A.A Alit Merthayasa Abdul Aziz Abdul Robi Padri Ades Sugita Agus Rohmat Hidayat Agus Rohmat Hidayat Amelia Amelia Amelia Annisa Wibawanthi Aripin Aripin Asep Mulyana Devi Yulia Diana Magfiroh Maghfiroh, Diana Midun Sopan Mohammad Ridwan Mohammad Subkhan Muhammad Viky Rahmat Al Bayan Sri Intan Wulandari Wartoyo Wartoyo Widya Widya Widya Widya, Widya Zidnal Falah