Garuda - Garba Rujukan Digital

The Overview of Sharia Principles on BSI Mobile Banking Aziz, Muhammad Abdul; Cahyo, Eko Nur; Labolo, Sultan Nanta Setia Dien
AL- IKTISAB Journal of Islamic Economic Law Vol 6 No 2 (2022)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v6i2.8683

••• English ••• Information technology that has developed so rapidly in recent years has directed the focus of large banks to digital services, including mobile banking. The internet's rapid growth is changing how companies connect with their customers, and the banking business is no exception. Of course, the concept of blessing must be prioritized by every Muslim, especially in banking institutions. This research aims to analyse the BSI Mobile application's existing mobile banking service system. In 2021, Bank Syariah Indonesia (BSI) started to merge 3 (three) Islamic commercial banks in Indonesia, at the same time, to support the development of information technology (especially in banking), BSI has also created a BSI Mobile application to facilitate transactions. This research is qualitative research with a grounded research approach and uses a qualitative descriptive analysis method. However, even though the service system in the BSI Mobile application has met customer needs and is under the basic principles of sharia, many customers or the Muslim community who have not used it do not even know the system and application. Ultimately, it will impact applications that cannot be utilized optimally. Based on the results of research that the researcher have done, the BSI mobile banking service system should emphasize the publication and socialization of BSI Mobile products with various methods, including approaches that use sharia principles because legal regulations will be applied due to threats and legal causes that occur. ••• Indonesian ••• Teknologi informasi yang berkembang begitu pesat dalam beberapa tahun terakhir telah mengarahkan fokus bank-bank besar ke layanan digital, termasuk mobile banking. Pesatnya pertumbuhan internet mengubah cara perusahaan terhubung dengan pelanggan mereka, dan bisnis perbankan tidak terkecuali. Tentunya konsep berkah harus diprioritaskan oleh setiap Muslim khususnya di lembaga perbankan. Penelitian ini bertujuan untuk menganalisis sistem layanan mobile banking yang ada pada aplikasi BSI Mobile. Pada tahun 2021, Bank Syariah Indonesia (BSI) sudah mulai menggabungkan 3 (tiga) bank umum syariah di Indonesia, sekaligus untuk mendukung perkembangan teknologi informasi khususnya di bidang perbankan, BSI juga telah membuat aplikasi BSI Mobile untuk mempermudah transaksi. Penelitian ini merupakan penelitian kualitatif dengan pendekatan grounded research, dan juga menggunakan metode analisis deskriptif kualitatif. Namun, meskipun sistem layanan pada aplikasi BSI Mobile telah memenuhi kebutuhan nasabah dan sesuai dengan prinsip dasar syariah, namun banyak dari nasabah atau masyarakat Muslim yang belum menggunakannya bahkan belum mengetahui sistem dan aplikasi tersebut. Pada akhirnya akan berdampak pada penggunaan aplikasi yang tidak dapat dimanfaatkan secara maksimal. Berdasarkan hasil penelitian yang telah peneliti lakukan, sistem layanan BSI mobile banking dapat meningkatkan publikasi dan sosialisasi produk BSI Mobile dengan berbagai metode termasuk pendekatan yang menggunakan dalil prinsil syariah, karena secara hukum peraturan akan diterapkan karena adanya ancaman dan sebab hukum yang terjadi.

Halal Certification for MSEs in Indonesia: How Business Duration Drives Legal Awareness Maulana, Hartomi; Labolo, Sultan Nanta Setia Dien; Jamal, Mulyono; Syamsuri, Syamsuri
Share: Jurnal Ekonomi dan Keuangan Islam Vol 13, No 2 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i2.22907

Halal certification is mandatory for all Micro and Small Enterprises (MSEs) in Indonesia. Despite the vast number of MSEs, totaling 64.2 million as of February 2023, only about 20% have obtained halal certification. This study investigates the influence of legal awareness on halal certification registration among Indonesian MSEs and examines the moderating role of business duration. Using Structural Equation Modeling (SEM) with a quantitative approach, the study assessed the impact of legal awareness constructs (knowledge, understanding, attitudes, and behavior) on halal certification awareness among 333 MSE respondents, with business duration included as a moderator. The findings revealed that legal knowledge, understanding, attitudes, and behavior did not significantly affect halal certification awareness, whereas business duration had a significant positive impact. Additionally, the moderation analysis demonstrated that business duration significantly influenced the relationship between legal understanding and halal certification awareness. The results suggest that experience, rather than legal comprehension, drives halal certification awareness among Indonesian MSEs. The study offers insights for policymakers to support longer-running businesses and simplify certification processes to increase halal certification rates among MSEs. Future research should consider using larger, more diverse samples and incorporating qualitative methods to gain a comprehensive understanding of MSEs’ motivations and challenges in obtaining halal certification.======================================================================================================== ABSTRAK – Sertifikasi Halal untuk UKM di Indonesia: Peran Durasi Usaha dalam Mendorong Kesadaran Hukum. Sertifikasi halal diwajibkan bagi seluruh Usaha Mikro dan Kecil (UMK) di Indonesia. Meskipun jumlah UKM mencapai 64,2 juta per Februari 2023, hanya sekitar 20% yang telah memperoleh sertifikasi halal. Penelitian ini mengkaji pengaruh kesadaran hukum terhadap pendaftaran sertifikasi halal di kalangan UKM Indonesia dan menguji peran moderasi durasi usaha. Menggunakan Structural Equation Modeling (SEM) dengan pendekatan kuantitatif, penelitian ini menguji dampak konstruk kesadaran hukum (pengetahuan, pemahaman, sikap, dan perilaku) terhadap kesadaran sertifikasi halal di antara 333 responden UKM, dengan durasi usaha dimasukkan sebagai variabel moderator. Hasil penelitian menunjukkan bahwa pengetahuan hukum, pemahaman, sikap, dan perilaku tidak secara signifikan mempengaruhi kesadaran sertifikasi halal, sementara durasi usaha memiliki dampak positif yang signifikan. Lebih lanjut, analisis moderasi menunjukkan bahwa durasi usaha secara signifikan mempengaruhi hubungan antara pemahaman hukum dan kesadaran sertifikasi halal. Hasil ini menunjukkan bahwa pengalaman akan mendorong kesadaran sertifikasi halal di kalangan UKM Indonesia. Temuan ini memberikan pencerahan bagi pembuat kebijakan untuk lebih mendukung usaha-usaha yang telah berjalan lama dan menyederhanakan proses sertifikasi bagi UKM. Penelitian selanjutnya perlu mempertimbangkan penggunaan sampel yang lebih besar dan beragam serta menggabungkan metode kualitatif untuk mendapatkan pemahaman yang lebih komprehensif mengenai motivasi dan tantangan UKM dalam memperoleh sertifikasi halal.

Implementation of Panca Jangka as a Strategy to Develop the Pesantren Gontor Syamsuri, Syamsuri; Labolo, Sultan Nanta Setia Dien; Firdaus, Iqbal Maulana
Santri: Journal of Pesantren and Fiqh Sosial Vol 4 No 2 (2023): December (2023)
Publisher : The Institute of Research and Service Community IPMAFA Pati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/santri.v4i2.960

Pesantren Darussalam Gontor is one of the oldest and most prominent pesantren in Indonesia, known for its excellent education system and teaching quality. To ensure the sustainability of its development, Gontor implements the Panca Jangka concept as a long-term development plan. This paper employs literature review and content analysis to examine the Panca Jangka concept implemented in Pesantren Gontor and its impacts on the advancement of the boarding school. Relevant data regarding Pesantren Gontor were gathered from various literature. Panca Jangka consists of five key aspects; education and teaching, cadre training, facilities establishment, self-financing, and the welfare of the pesantren community. Its implementation has brought significant positive impacts, such as improvement in educational quality, the establishment of a nationally accredited university, and economic empowerment of the surrounding community. Comprehensively, Panca Jangka plays a vital role in advancing Pesantren Gontor and contributing to the development of pesantren in Indonesia. Gontor becomes a prime example of modern pesantren management that adapts effectively to the changing times.

Comprehending Human Economic Behavior Through a Multicultural Lens: Examining the Concepts of Homo Economicus and Islamicus Lahuri, Setiawan bin; Labolo, Sultan Nanta Setia Dien
Kawanua International Journal of Multicultural Studies Vol 4 No 2 (2023)
Publisher : State Islamic Institute of Manado (IAIN) Manado, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kijms.v4i2.683

Homo economicus and homo islamicus are two concepts of human economic behavior that stem from different intellectual backgrounds. This paper aims to conduct a critical comparative analysis on the fundamental assumptions of the two concepts. The research method is qualitative, drawing upon key literature from Western and Islamic schools of thought. The results show that homo economicus and homo islamicus differ significantly in terms of underlying principles, motivations, and moral considerations. Homo economicus is driven by self-interest and narrow rationality, while homo islamicus is guided by the framework of Islamic values. These differences have implications on how the two concepts view systems of production, consumption, and distribution. However, the concepts can complement each other in providing a more comprehensive understanding of human economic behavior. The study suggests the need for integrating or synthesizing diverse perspectives in formulating a multidimensional and culturally inclusive analytical framework of economic behavior.

Comparative Study of Consumption Theories: The Perspective of John Maynard Keynes and Monzer Kahf Labolo, Sultan Nanta Setia Dien; Nuarisa, Risma Hafida; Wardani, Petria Wafa Kusuma
Journal of Islamic Economics and Philanthropy Vol. 7 No. 1 (2024): August
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/jiep.v7i1.12111

This study aims to compare the consumption theories of John Maynard Keynes, a conventional economist, and Monzer Kahf, an Islamic economist. The main objective is to identify the strengths and weaknesses of each approach while emphasizing how both theories contribute to economic growth and stability. This study uses a qualitative methodology, thoroughly analyzing primary and secondary sources on the works of both economists. Through comparative analysis, this study evaluates the core concepts and assumptions of each theory. The findings show that Keynes' approach is concerned with individual consumption and its impact on savings and economic growth, while Kahf's theory encourages consumption for the collective good in accordance with Islamic principles. The study concludes that combining elements of both theories can offer a more balanced approach, which at the same time enhances social welfare and economic stability.

Halal Certification for MSEs in Indonesia: How Business Duration Drives Legal Awareness Maulana, Hartomi; Labolo, Sultan Nanta Setia Dien; Jamal, Mulyono; Syamsuri, Syamsuri
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 2 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i2.22907

Halal certification is mandatory for all Micro and Small Enterprises (MSEs) in Indonesia. Despite the vast number of MSEs, totaling 64.2 million as of February 2023, only about 20% have obtained halal certification. This study investigates the influence of legal awareness on halal certification registration among Indonesian MSEs and examines the moderating role of business duration. Using Structural Equation Modeling (SEM) with a quantitative approach, the study assessed the impact of legal awareness constructs (knowledge, understanding, attitudes, and behavior) on halal certification awareness among 333 MSE respondents, with business duration included as a moderator. The findings revealed that legal knowledge, understanding, attitudes, and behavior did not significantly affect halal certification awareness, whereas business duration had a significant positive impact. Additionally, the moderation analysis demonstrated that business duration significantly influenced the relationship between legal understanding and halal certification awareness. The results suggest that experience, rather than legal comprehension, drives halal certification awareness among Indonesian MSEs. The study offers insights for policymakers to support longer-running businesses and simplify certification processes to increase halal certification rates among MSEs. Future research should consider using larger, more diverse samples and incorporating qualitative methods to gain a comprehensive understanding of MSEs’ motivations and challenges in obtaining halal certification.======================================================================================================== ABSTRAK – Sertifikasi Halal untuk UKM di Indonesia: Peran Durasi Usaha dalam Mendorong Kesadaran Hukum. Sertifikasi halal diwajibkan bagi seluruh Usaha Mikro dan Kecil (UMK) di Indonesia. Meskipun jumlah UKM mencapai 64,2 juta per Februari 2023, hanya sekitar 20% yang telah memperoleh sertifikasi halal. Penelitian ini mengkaji pengaruh kesadaran hukum terhadap pendaftaran sertifikasi halal di kalangan UKM Indonesia dan menguji peran moderasi durasi usaha. Menggunakan Structural Equation Modeling (SEM) dengan pendekatan kuantitatif, penelitian ini menguji dampak konstruk kesadaran hukum (pengetahuan, pemahaman, sikap, dan perilaku) terhadap kesadaran sertifikasi halal di antara 333 responden UKM, dengan durasi usaha dimasukkan sebagai variabel moderator. Hasil penelitian menunjukkan bahwa pengetahuan hukum, pemahaman, sikap, dan perilaku tidak secara signifikan mempengaruhi kesadaran sertifikasi halal, sementara durasi usaha memiliki dampak positif yang signifikan. Lebih lanjut, analisis moderasi menunjukkan bahwa durasi usaha secara signifikan mempengaruhi hubungan antara pemahaman hukum dan kesadaran sertifikasi halal. Hasil ini menunjukkan bahwa pengalaman akan mendorong kesadaran sertifikasi halal di kalangan UKM Indonesia. Temuan ini memberikan pencerahan bagi pembuat kebijakan untuk lebih mendukung usaha-usaha yang telah berjalan lama dan menyederhanakan proses sertifikasi bagi UKM. Penelitian selanjutnya perlu mempertimbangkan penggunaan sampel yang lebih besar dan beragam serta menggabungkan metode kualitatif untuk mendapatkan pemahaman yang lebih komprehensif mengenai motivasi dan tantangan UKM dalam memperoleh sertifikasi halal.

The Fall of SVB and Its Impact on Digital Economic Transformation Efforts at Indonesia's Chair in ASEAN 2023 ADANI, Muhammad Hilmi; KINANTI, Adelia; LABOLO, Sultan Nanta Setia Dien
Journal of Social Sciences and Cultural Study Vol. 1 No. 1 (2023): Journal of Social Sciences and Cultural Study (November - February 2024)
Publisher : PT Batara Swastika Harati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61857/jsscs.v1i1.38

Capitalization has forced the market to become increasingly accessible. Economic interdependence has been created and has become a principle of economics that most countries embrace. This research uses a descriptive qualitative method and a literature review to analyze opportunities and challenges that can be used as lessons for Indonesia as the holder of the ASEAN chairmanship in 2023. This method will be applied by studying related issues in various journals, books, reports and news. The collapse of the SVB significantly impacted the fall of American stocks, which subsequently affected the closure of banks inside and outside America. The implications of this phenomenon reflect ASEAN as an organization that seeks to create a stable and secure economy in the region. As the Chair of ASEAN 2023, Indonesia has many opportunities and challenges that can be taken from the fall of the banking industry in America while implementing a digital economy in the ASEAN region.

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