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All Journal I-Finance Journal Transformatif El-Mubarak: Islamic Studies Journal Journal of multidisipline and Equality
Ria Agustina
UNIVERSITAS ISLAM NEGERI RADEN FATAH PALEMBANG
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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EFEKTIVITAS MEDIA SOSIAL DAN INFLUENCER MARKETING DALAM MENINGKATKAN BRAND AWARENESS PERBANKAN SYARIAH PADA GENERASI MILENIAL Dien Annastya Putri; Rudi Aryanto; Citra Pertiwi; Ulil Amri; Ria Agustina
Journal of Multidiscipline and Equality Vol. 3 No. 1 (2026): JME: Journal of Multidiscipline and Equality
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/jme.v3i1.805

Abstract

Penelitian ini bertujuan menganalisis pengaruh media sosial dan influencer dalam meningkatkan brand awareness perbankan syariah di kalangan milenial. Latar belakang penelitian didasarkan pada pentingnya strategi pemasaran digital dalam menjangkau generasi muda agar lebih mengenal produk perbankan syariah. Metode yang digunakan adalah penelitian kuantitatif dengan pendekatan survei terhadap 110 mahasiswa Fakultas Ekonomi dan Bisnis Islam UIN Raden Fatah Palembang yang dipilih dengan teknik purposive sampling. Data dikumpulkan melalui kuesioner dan dianalisis dengan regresi linier berganda menggunakan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa media sosial dan influencer berpengaruh positif dan signifikan baik secara parsial maupun simultan terhadap brand awareness. Nilai koefisien determinasi (R²) sebesar 0,573 mengindikasikan bahwa kedua variabel mampu menjelaskan 57,3% variasi brand awareness, sedangkan 42,7% dipengaruhi faktor lain. Dengan demikian, optimalisasi media sosial dan kolaborasi dengan influencer terbukti efektif sebagai strategi peningkatan kesadaran merek perbankan syariah di kalangan milenial.
OPTIMALISASI PENGELOLAAN ZAKAT UNTUK KESEJAHTERAAN MUSTAHIK DI YAKESMA SUMATERA SELATAN Dwi Nurhafsari; Ria Agustina
El-Mubarak: Islamic Studies Journal Vol. 3 No. 1 (2026): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v3i1.808

Abstract

Penelitian ini bertujuan menganalisis bagaimana pengelolaan zakat di YAKESMA Sumatera Selatan dioptimalkan untuk mendorong peningkatan kesejahteraan mustahik. Studi ini berangkat dari kesenjangan antara potensi zakat yang besar dan realisasi penghimpunan yang masih rendah, di samping tantangan akurasi distribusi, keberlanjutan program produktif, dan adaptasi digital lembaga zakat. Penelitian menggunakan pendekatan kualitatif deskriptif dengan lokasi penelitian di YAKESMA Sumatera Selatan. Data diperoleh melalui observasi, wawancara mendalam dengan pengelola lembaga dan penerima manfaat, serta dokumentasi. Analisis dilakukan dengan model Miles, Huberman, dan Saldaña melalui kondensasi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa optimalisasi dilakukan melalui sosialisasi zakat, layanan jemput zakat, kerja sama kelembagaan, publikasi digital, verifikasi mustahik berbasis survei, penyaluran konsumtif dan produktif, serta monitoring program. Meskipun demikian, penelitian juga menemukan kendala berupa literasi zakat formal yang belum merata, digitalisasi yang belum sepenuhnya terintegrasi, keterbatasan database mustahik, dan pendampingan usaha yang belum konsisten. Studi ini menegaskan bahwa keberhasilan pengelolaan zakat tidak hanya ditentukan oleh besarnya penghimpunan, tetapi juga oleh kualitas tata kelola, akuntabilitas, ketepatan sasaran, dan kesinambungan pemberdayaan.
Sadd al-Dharā’iʿ-Based Sharia Governance Model for Mitigating Moral Hazard in Indonesia’s Islamic Digital Economy: Model Tata Kelola Syariah Berbasis Sadd al-Dharā’i‘ untuk Memitigasi Moral Hazard dalam Ekonomi Digital Syariah Indonesia M ALFISYAHRIN Alfisyahrin; Ria Agustina; Raed Hassan Muhammad Bani Issa
Transformatif Vol 10 No 1 (2026): ISSUED IN APRIL 2026
Publisher : POSTGRADUATE OF PALANGKA RAYA STATE ISLAMIC UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/tf.v1i1.11579

Abstract

The rapid growth of Indonesia’s Islamic digital economy has accelerated financial innovation through Islamic fintech, digital banking, and online financing platforms. However, this transformation also increases moral hazard risks, including contract manipulation, hidden charges, information asymmetry, and weak sharia compliance. Existing governance systems remain largely administrative and insufficiently preventive. This study aims to formulate a sharia governance model based on sadd al-dharā’iʿ to minimize moral hazard within Islamic digital finance. Using a mixed-method approach, the study integrates Islamic legal principles, sharia governance, and modern risk management frameworks. The findings indicate that preventive governance grounded in sadd al-dharā’iʿ strengthens transparency, accountability, and ethical supervision within digital financial systems. This research contributes theoretically by integrating ushul fiqh with contemporary governance theory and practically by offering governance recommendations for regulators and Islamic fintech institutions in Indonesia
NAVIGATING SHARIA COMPLIANCE AND LEGAL CERTAINTY IN THE DIGITAL ECONOMY: AN ISTISHAB PERSPECTIVE ON CYBER DISRUPTIONS IN INDONESIA Zulfikri; Hafisya Agnesia; Ria Agustina
I-Finance Journal Vol 11 No 1 (2025): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v11i1.36819

Abstract

The acceleration of technological innovation in the digital economy era in Indonesia frequently triggers legal anomalies in the form of regulatory lag (legal vacuum), which places the public at risk of legal uncertainty and civil losses. This study aims to examine and reconstruct the role of the istishab doctrine as a responsive and adaptive ushul fiqh instrument in maintaining legal certainty against various contemporary cyber disruptions. Utilizing a qualitative research design with a normative-conceptual approach, library research data sourced from classical ushul fiqh literature, national regulations, and sectoral authority reports were analyzed using qualitative content analysis. The results indicate that istishab plays a strategic role as a theological-legal safety valve that locks the original legal status of a matter to prevent conflict and social doubt in the digital space. In the phenomenon of online loans (fintech lending), the application of Istishab al-Adam through the maxim Al-Ashlu Bara'at al-Dzimmah establishes that an individual's original status is absolutely free from debt; thus, the full digital burden of proof rests with the financial service provider. Furthermore, in digital asset disputes (cryptocurrency, NFTs, and e-wallets), Istishab Halat al-Asliyah confirms that the initial ownership rights legitimately recorded in the system remain binding and are not annulled by account hacking incidents. Meanwhile, in the social media domain, istishab converges with the principle of the presumption of innocence, asserting that a person's original status is untainted and innocent; consequently, the phenomenon of trial by social media is deemed legally flawed under Sharia law before a valid verification (tabayyun) process through a fair court decision. This study concludes that Islamic law codification possesses high flexibility in responding to modern disruptions to achieve welfare goals (maqashid al-syariah), and recommends that policymakers (OJK, BI, and Komdigi) adopt the principles of fair burden of proof inherent in this istishab doctrine.
Co-Authors Citra Pertiwi Dien Annastya Putri Dwi Nurhafsari Hafisya Agnesia M ALFISYAHRIN Alfisyahrin Raed Hassan Muhammad Bani Issa Rudi Aryanto Ulil Amri Zulfikri