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All Journal Asy Syar'iyyah: Jurnal Ilmu Syari'ah dan Perbankan Islam El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Roza, Fitra Maulana
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Perkembangan Bank Syariah di Eropa Amanda, Rozy; Ningsih, Inten` Sulistya; Naim, Siti Hujatun; Roza, Fitra Maulana
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 7 No. 1 (2022): Vol 7 No 1 (2022): Asy-Syar'iyyah Juni 2022
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v7i1.2168

Abstract

Islamic banks are growing from year to year. Many developed countries with Moslem minority populations have implemented it including countries in the European region. This article examined the development of Islamic banks and Islamic finance in the European countries, namely Britain, France, Germany, and the Netherlands. It turned out that the development of Islamic finance in England became the center of the development of Islamic banking in Europe. Other countries such as France and Germany are also competing to open up opportunities for Islamic finance. However Islamic finance has not developed much, in Netherland. This study used descriptive qualitative research methods, in which the research was based on literature (library), the data and theoretical matters used in this paper were derived from reliable and clear sources such as books, internet and previous related studies. Bank Islam semakin berkembang dari tahun ke tahun. Banyak negara-negara maju dengan penduduk minoritas muslim sudah menerapkannya. Termasuk negara-negara yang berada di kawasan Eropa. Dalam artikel ini diteliti tentang perkembangan Bank Islam dan keuangan Islam yang ada di bagian negara-negara Eropa yaitu Inggris, Perancis, Jerman, dan Belanda. Ternyata dalam perkembangan keuangan islam di Inggris menjadi sentral dari perkembangan bank islam di Eropa. Negara-negara lain seperti Perancis dan Jerman juga berlomba untuk membuka peluang bagi keuangan islam. Namun, di Belanda keuangan islam belum banyak perkembangan. Dalam pengerjaan jurnal ini menggunakan metode penelitian kualitatif deskriptif , dimana penelitian tersebut berdasarkan literatur (kepustakaan ), materi-materi dari makalah ini merupakan berasal dari buku, internet dan juga penelitian terdahulu sehingga semua yang didapat berasal dari sumber-sumber terpercaya dan jelas.
Analisis Manfaat Penggunaan QRIS (Quick Response Indonesia Standart) Bagi Pedagang dan Pembeli dalam Pembayaran Non Tunai pada Bisnis UMKM: Studi Kasus pada UMKM Kel. Durian Kota Tebing Tinggi Roza, Fitra Maulana; Nawawi, Zuhrinal M.; Syarvina, Wahyu
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 8 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i8.9785

Abstract

The digital transformation in payment systems has encouraged micro, small, and medium enterprises (MSMEs) to adapt to technology, one of which is through the implementation of QRIS (Quick Response Code Indonesian Standard). This study aims to analyze the perceptions of MSME actors and consumers regarding the ease and benefits of using QRIS, identify the obstacles in its implementation, and evaluate its contribution to business efficiency and the independence of the national financial system. This research employed a descriptive qualitative method by conducting interviews with five informants, consisting of three MSME owners and two university students in Kelurahan Durian, Tebing Tinggi City. The results show that QRIS is perceived as a practical, fast, and secure payment method. Its use facilitates financial record-keeping for business owners and increases customer trust. The obstacles encountered are mostly technical, such as network issues and device limitations, but do not reduce users’ interest. Furthermore, QRIS contributes to maintaining domestic cash flow and reducing dependence on foreign payment systems, thus supporting national economic sovereignty. Overall, QRIS has proven effective as an inclusive digital payment solution for both MSMEs and consumers.
Analisis Manfaat Penggunaan QRIS (Quick Response Indonesia Standart) Bagi Pedagang dan Pembeli dalam Pembayaran Non Tunai pada Bisnis UMKM: Studi Kasus pada UMKM Kel. Durian Kota Tebing Tinggi Roza, Fitra Maulana; Nawawi, Zuhrinal M.; Syarvina, Wahyu
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 8 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i8.9785

Abstract

The digital transformation in payment systems has encouraged micro, small, and medium enterprises (MSMEs) to adapt to technology, one of which is through the implementation of QRIS (Quick Response Code Indonesian Standard). This study aims to analyze the perceptions of MSME actors and consumers regarding the ease and benefits of using QRIS, identify the obstacles in its implementation, and evaluate its contribution to business efficiency and the independence of the national financial system. This research employed a descriptive qualitative method by conducting interviews with five informants, consisting of three MSME owners and two university students in Kelurahan Durian, Tebing Tinggi City. The results show that QRIS is perceived as a practical, fast, and secure payment method. Its use facilitates financial record-keeping for business owners and increases customer trust. The obstacles encountered are mostly technical, such as network issues and device limitations, but do not reduce users’ interest. Furthermore, QRIS contributes to maintaining domestic cash flow and reducing dependence on foreign payment systems, thus supporting national economic sovereignty. Overall, QRIS has proven effective as an inclusive digital payment solution for both MSMEs and consumers.
Co-Authors Amanda, Rozy Naim, Siti Hujatun Ningsih, Inten` Sulistya Wahyu Syarvina Zuhrinal M. Nawawi