Garuda - Garba Rujukan Digital

EMPOWERING SHARIA SECURITIES: IMPLEMENTING AN ISSUERS' MENTORING PROGRAM FOR LOSS MITIGATION IN CROWDFUNDING KAMIL, MUH. AHSAN; RIVA'I, YAHYA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 8, No 2 (2023): Juli - Desember 2023
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v8i2.834

This study aims to implement a mentoring program for issuers (MSMEs) in sharia securities crowdfunding in Indonesia to mitigate the losses. A qualitative approach was used, using in-depth literature studies with relevant stakeholders and analyzing secondary data. The data was then analyzed by reducing data, displaying data and verifying. The research findings highlight that in the Sharia securities crowdfunding mechanism, the organizer only functions as a platform that brings together investors and issuers. Therefore, in this research, the author recommends a mentoring program for MSME issuers that organizers of Sharia crowdfunding securities can implement. This recommendation is based on the general weaknesses of MSMEs, which can cause the risk of losses and defaults. With this mentoring program, it is hoped that publishers' businesses can avoid the risk of loss and continue to grow to benefit all parties.

Analisis Dampak Kebijakan Pembiayaan Mikro di Bank Syariah Indonesia Terhadap Kesejahteraan Perempuan Rifqah, Zulfa; Ardin, Ardiani; Sudirman, Anggreani; Wulandari, Sinar; Arsyad, Kamaruddin; Kamil, Muh. Ahsan
MARGIN ECO Vol. 9 No. 2 (2025): Margin Eco: Jurnal Ekonomi dan Perkembangan Bisnis
Publisher : Fakultas Ekonomi Universitas KH. A. Wahab Hasbullah Tambakberas Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/margin.v9i2.6487

Penelitian ini bertujuan untuk menganalisis dampak kebijakan pembiayaan mikro di Bank Syariah Indonesia terhadap kesejahteraan perempuan. Fokus kajian meliputi akses pembiayaan, peningkatan pendapatan, kemandirian ekonomi, dan perubahan sosial perempuan penerima manfaat. Penelitian ini menggunakan pendekatan kualitatif melalui studi kepustakaan (library research) dengan menelaah 24 artikel ilmiah periode 2013–2025 yang relevan dengan pembiayaan mikro syariah dan pemberdayaan perempuan. Hasil penelitian menunjukkan bahwa pembiayaan mikro syariah berdampak positif terhadap kesejahteraan perempuan melalui peningkatan akses modal, pertumbuhan usaha, serta penguatan peran sosial dan ekonomi. Program berbasis prinsip keadilan, kemitraan, dan bagi hasil tidak hanya mendorong peningkatan pendapatan, tetapi juga memperkuat kemandirian ekonomi dan partisipasi sosial perempuan. Namun, hambatan seperti rendahnya literasi keuangan dan digital, keterbatasan aset, serta norma sosial yang membatasi peran perempuan masih menjadi tantangan. Penelitian ini merekomendasikan kebijakan yang lebih inklusif dan sensitif gender, integrasi pembiayaan dengan pendampingan usaha, peningkatan literasi keuangan dan digital, serta penguatan ekosistem pemberdayaan berbasis komunitas agar pembiayaan mikro syariah dapat menjadi instrumen strategis dalam meningkatkan kesejahteraan perempuan dan mewujudkan keadilan sosial ekonomi Islam di Indonesia.

Analisis Regulasi Bank Indonesia terhadap Sistem Kliring Nasional (SKNBI) dan RTGS di Indonesia Aas, Ummul Faida; Syafnur, St Rahmawati; Syahrini, Syahrini; Saputri, Ayu; Arsyad, Kamaruddin; Kamil, Muh. Ahsan
MARGIN ECO Vol. 9 No. 2 (2025): Margin Eco: Jurnal Ekonomi dan Perkembangan Bisnis
Publisher : Fakultas Ekonomi Universitas KH. A. Wahab Hasbullah Tambakberas Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/margin.v9i2.6501

Pesatnya perkembangan teknologi digital telah mentransformasi sistem pembayaran nasional Indonesia secara signifikan, sehingga membutuhkan regulasi yang efektif dari Bank Indonesia untuk memastikan efisiensi, keamanan, dan stabilitas keuangan. Studi ini mengkaji efektivitas regulasi Bank Indonesia terhadap Sistem Kliring Nasional (SKNBI) dan Sistem Real Time Gross Settlement (BI-RTGS) sebagai infrastruktur inti sistem pembayaran nasional. Saat ini SKNBI tidak lagi menggunakan siklus kliring tradisional 2-3 hari. SKNBI modern menyediakan beberapa jendela penyelesaian dalam satu hari, yang memungkinkan transaksi ritel diselesaikan lebih cepat dan efisien. Sementara itu, BI-RTGS memproses transaksi bernilai besar secara real-time. Temuan penelitian menunjukkan bahwa regulasi Bank Indonesia tetap efektif dalam memastikan efisiensi dan keamanan transaksi antarbank, meskipun tantangan seperti kesenjangan infrastruktur dan literasi digital masih ada. Kesimpulannya, kerangka regulasi Bank Indonesia memainkan peran strategis dalam memperkuat sistem pembayaran nasional yang aman, efisien, dan inklusif.

Analysis of Hedging Strategies for Optimal Risk Management in Islamic Banking Adelisa, Nur Rahma; Amelia, Reski; Nabila, Ila; Arsyad, Kamaruddin; Kamil, Muh. Ahsan
International Journal on Advanced Science, Education, and Religion Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i3.1356

This study aims to analyze the implementation of hedging strategies as an optimal risk management approach in Islamic banking institutions in Indonesia. Facing global economic volatility and currency fluctuations, Islamic banks are required to adopt risk management policies that are not only financially effective but also compliant with Sharia principles. This research employs a qualitative approach using library research methods by reviewing academic literature, DSN-MUI fatwas. The findings reveal that internal factors such as liquidity, leverage, firm size, and financial condition significantly influence the decision to apply hedging within Islamic banks. Meanwhile, external factors—including government policies, regulatory changes, and global market dynamics—further reinforce the necessity of risk management strategies grounded in justice and sustainability. The implementation of Sharia-based hedging is proven to enhance financial stability, strengthen public trust, and improve the competitiveness of the Islamic financial industry at both national and international levels. This study contributes theoretically and practically to the development of innovative, ethical, and sustainable Sharia-compliant financial instruments

Analysis of Hedging Strategies for Optimal Risk Management in Islamic Banking Adelisa, Nur Rahma; Amelia, Reski; Nabila, Ila; Arsyad, Kamaruddin; Kamil, Muh. Ahsan
International Journal on Advanced Science, Education, and Religion Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i3.1356

This study aims to analyze the implementation of hedging strategies as an optimal risk management approach in Islamic banking institutions in Indonesia. Facing global economic volatility and currency fluctuations, Islamic banks are required to adopt risk management policies that are not only financially effective but also compliant with Sharia principles. This research employs a qualitative approach using library research methods by reviewing academic literature, DSN-MUI fatwas. The findings reveal that internal factors such as liquidity, leverage, firm size, and financial condition significantly influence the decision to apply hedging within Islamic banks. Meanwhile, external factors—including government policies, regulatory changes, and global market dynamics—further reinforce the necessity of risk management strategies grounded in justice and sustainability. The implementation of Sharia-based hedging is proven to enhance financial stability, strengthen public trust, and improve the competitiveness of the Islamic financial industry at both national and international levels. This study contributes theoretically and practically to the development of innovative, ethical, and sustainable Sharia-compliant financial instruments

TELAAH FIQH MUAMALAH DALAM AKAD TALANGAN HAJI Haikal, Haikal; Anha, Radilla; Aulia Rifka, Nurwahda; Kamil, Muh. Ahsan; Kamaruddin, Kamaruddin
Izdihar: Jurnal Ekonomi Syariah Vol. 6 No. 01 (2026): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v6i01.6549

The development of Islamic banking in Indonesia has led to various sharia-based financial products, one of which is the Hajj bailout fund. This product serves as a solution for Muslims who wish to perform the pilgrimage but are constrained by the initial deposit requirement. This study aims to analyze the Hajj bailout contract from a fiqh muamalah perspective, reviewing its compliance with sharia principles and DSN-MUI Fatwa No. 29/DSN-MUI/VI/2002. The method used is a literature study by analyzing academic sources from journals, books, and related fatwas. The results show that the qardh wal ijarah contract is permissible as long as no additional benefits resembling riba are included and administrative fees only cover real costs. From the perspective of maqāṣid al-syarī‘ah, the Hajj bailout provides benefits by facilitating Muslims to perform the fifth pillar of Islam, but it must be maintained to avoid potential harm from excessive debt burdensy. Keywords: Islamic Banking, Hajj Bailout Fund, Fiqh Muamalah, DSN-MUI

Analysis of Hedging Strategies for Optimal Risk Management in Islamic Banking Adelisa, Nur Rahma; Amelia, Reski; Nabila, Ila; Arsyad, Kamaruddin; Kamil, Muh. Ahsan
International Journal on Advanced Science, Education, and Religion Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i3.1356

This study aims to analyze the implementation of hedging strategies as an optimal risk management approach in Islamic banking institutions in Indonesia. Facing global economic volatility and currency fluctuations, Islamic banks are required to adopt risk management policies that are not only financially effective but also compliant with Sharia principles. This research employs a qualitative approach using library research methods by reviewing academic literature, DSN-MUI fatwas. The findings reveal that internal factors such as liquidity, leverage, firm size, and financial condition significantly influence the decision to apply hedging within Islamic banks. Meanwhile, external factors—including government policies, regulatory changes, and global market dynamics—further reinforce the necessity of risk management strategies grounded in justice and sustainability. The implementation of Sharia-based hedging is proven to enhance financial stability, strengthen public trust, and improve the competitiveness of the Islamic financial industry at both national and international levels. This study contributes theoretically and practically to the development of innovative, ethical, and sustainable Sharia-compliant financial instruments

Title

Found 7 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 7 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 7 Documents
Search