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All Journal Jurnal Sains Teknologi dan Sistem Informasi Tazkiyya: Jurnal Keislaman, Kemasyarakatan dan Kebudayaan Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah
Muhamad Turmudi
Unknown Affiliation
Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Social Sciences

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Virtual Currency Sebagai Media Transaksi Dan Investasi Dalam Perspektif Ekonomi Syariah Muhamad Turmudi
Tazkiya Vol 23 No 1 (2022): Januari - Juni 2022
Publisher : Pusat Kajian Islam dan Kemasyarakatan (PKIK), UIN Sultan Maulana Hasanuddin Banten

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Abstract

Investasi merupakan kegiatan menempatkan modal dalam jangka waktu tertentu untuk mendapatkan keuntungan dimasa yang akan datang. Penggunaan teknologi blockchain dalam setiap transaksi mata uang virtual seperti bitcoin selalu terhubung secara digital dalam satu daftar sehingga terlihat lebih menguntungkan. Penelitian ini bertujuan untuk mengkaji penggunaan mata uang virtual sebagai media transaksi dan investasi berdasarkan nilai ekonomi syariah. Jenis penelitian merupakan penelitian kualitatif, data diperoleh melalui metode kepustakaan sehingga mendapatkan penjelasan nilai-nilai syariah tentang penggunaan mata uang virtual. Hasil penelitian diketahui bahwa mata uang virtual dibolehkan sebagai media transaksi karena berfungsi sebagai media pertukaran, diterima secara umum serta pihak yang bertransaksi berkenan untuk menggunakan dan mengakuinya. Sebagai media investasi, mata uang virtual memiliki banyak kendala diantaranya tidak semua penyedia jasa atau barang menerima, tidak diakui sebagai instrumen pembayaran yang sah dalam satu negara, tidak memiliki standar yang jelas mengenai penentu naik atau turunnya harga dan nilai tukar, tidak ada yang menjamin keberadaannya secara resmi sehingga kemungkinan besar banyak spekulasi.
InsurTech Aggregator: Menuju Masa Depan Industri Asuransi Digital di Indonesia Trisna Taufik Darmawansyah; Sanawi, Sanawi; Muhamad Fadli Azim; Santi Angraini; Muhamad Turmudi
SATESI: Jurnal Sains Teknologi dan Sistem Informasi Vol. 5 No. 1 (2025): April 2025
Publisher : Yayasan Pendidikan Penelitian Pengabdian ALGERO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54259/satesi.v5i1.4105

Abstract

The purpose of this study is to conduct a SWOT analysis on InsurTech Aggregator in identifying the strengths, weaknesses, opportunities, and threats faced in the development of online insurance business. Qualitative descriptive methodology is used to gain a deep understanding of InsurTech Aggregator in Indonesia and the insurance products offered. Meanwhile, SWOT analysis will help identify the strengths and weaknesses of the InsurTech Aggregator company, as well as the opportunities and threats that exist in the insurance industry environment. The results of the study obtained an IFAS value of 3.00 and an EFAS value of 2.59. The implication of this study is a strategy for insurance companies to implement the S-O strategy, the steps that can be taken are to utilize the company's internal strengths to take advantage of existing external opportunities. Utilizing the advantages of InsurTech which are easily accessible and practical and the ability to compare policies to develop omnichannel services so as to increase sales opportunities and customer trust. Using an easy and effective claims process to build a strong corporate image, and integrating complex insurance products with services that are easier for prospective customers to understand.
Akad dalam Student Loan; Analisis Implementasi di BMT UMY Raya, Fitri; Muhamad Turmudi; Eva Savanda
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 1 (2025): Vol. 12 No. 1 (2025)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v12i1.17850

Abstract

Abstract Education financing is one of the big challenges in the world of higher education, especially for students who need funds to continue their studies. One solution that is developing is a student loan program provided by sharia microfinance institutions, such as BMT UMY. This article aims to analyze the implementation of contracts in the education financing program provided by BMT UMY, with a focus on the suitability of the sharia principles applied. Through a qualitative approach, this research explores the types of contracts applied in education financing, such as murabahah, mudharabah, and musyarakah contracts, as well as how BMT UMY adapts these contracts to meet student needs ethically and transparently. This analysis also discusses the challenges and benefits faced by institutions, students and related parties in implementing this program. The research results show that BMT UMY has succeeded in integrating sharia principles in education financing, but still faces challenges in terms of product socialization and financing risk management. It is hoped that this article can contribute to the development of a comprehensive and sustainable sharia-based education financing model in the future
Co-Authors Eva Savanda Muhamad Fadli Azim Raya, Fitri Sanawi, Sanawi Santi Angraini Trisna Taufik Darmawansyah