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All Journal Journal Of Informatics And Busisnes As-Syirkah: Islamic Economic & Financial Journal
Lubis, Dian Zahra Syahfitri
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Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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Perencanaan Strategis Penggunaan Teknologi Informasi Dalam Bisnis Keuangan ( Studi Kasus Bank Muamalat) Fahmi, Khairul; Batubara, Soraya Alyya Syam; Simamora, Nur Ainun; Lubis, Dian Zahra Syahfitri; Rahma, Maulida; ., Nurbaiti
Journal Of Informatics And Busisnes Vol. 1 No. 3 (2023): Oktober - Desember
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jibs.v1i3.424

Abstract

Along with the rapid development of technology, almost all sectors of life utilize information technology to carry out business processes to keep them running. The corporate world also does not want to be left behind in developing information technology. This is done to improve business quality and customer satisfaction. This research aims to find out about strategic planning for the use of information technology in the strategic financial business of sharia banking in Indonesia. This type of research is in the form of literature study. . The development of sharia banking based on information technology will be very helpful in controlling increased public access to various online financial service products. Bank Muamalat's efforts to accelerate digital technology are first by developing a mobile banking application that can be used by customers to carry out financial transactions and view account information from anywhere, an example of using mobile banking is the M-DIN application.
Analisis Perbandingan Penerapan Sukuk Mudharabah dalam Sistem Keuangan Syariah Indonesia dan Qatar Rahma, Maulida; Sabrina, Tri Wina; Lubis, Dian Zahra Syahfitri; Batubara, Maryam
As-Syirkah: Islamic Economic & Financial Journal Vol. 4 No. 3 (2025): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/sprneg40

Abstract

This study aims to analyze the implementation of the mudharabah sukuk contract in Indonesia and Qatar as a Sharia-compliant financing instrument based on partnership principles. Mudharabah is a form of cooperation between the capital provider (shahibul maal) and the entrepreneur (mudharib), in which profits are shared according to a pre-agreed ratio and without any guarantee of fixed returns. This research uses a qualitative descriptive method with a literature review approach, examining academic sources, fatwas from the Indonesian Ulema Council (DSN-MUI), and practical applications in Islamic financial institutions in both countries. The findings reveal that in Indonesia, mudharabah sukuk is legally recognized through DSN-MUI Fatwa No. 41/DSN-MUI/IV/2004 and has been implemented in the form of corporate sukuk. However, its development remains limited due to market preference for fixed-return instruments like ijarah sukuk, low Sharia financial literacy, and the unpreparedness of project structures. In contrast, in Qatar, mudharabah sukuk has evolved more significantly with strong support from established Islamic financial institutions such as Qatar Finance House, active involvement of internal Sharia supervisory boards, and a high level of business transparency, making the structure more compliant with Islamic principles and attractive to risk-conscious investors. These findings highlight the importance of strengthening regulatory oversight and market education to ensure that mudharabah contracts can be applied optimally and in full accordance with their intended values of justice and risk-sharing.  
Co-Authors ., Nurbaiti Batubara, Maryam Batubara, Soraya Alyya Syam Khairul Fahmi Rahma, Maulida Sabrina, Tri Wina Simamora, Nur Ainun