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Pengaruh Implementasi Prinsip Syariah dalam Produk Pembiayaan Murabahah Bank Syariah Terhadap Kinerja Keuangan UMKM: Kajian Literatur Rindyi Putri Lestari; Fauzatul Laily Nisa
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 3 (2024): Juli
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i3.736

Murabaha financing is one of the Islamic financing products that is popular among MSMEs. This product is in accordance with Islamic sharia principles which prohibit usury and encourage fair buying and selling transactions. This study aims to analyze the implementation of sharia principles in murabahah financing products of Islamic banks on the financial performance of MSMEs. A literature review was conducted to understand the concepts of sharia principles, murabaha financing, and MSMEs financial performance. Data were collected from various sources, journals, including books, and other reliable sources. The study results show that the implementation of sharia principles in murabaha financing products of Islamic banks has a positive influence on the financial performance of MSMEs. This positive influence can be seen from the increase in profitability and operational efficiency of MSMEs. In addition, murabaha financing can also help MSMEs to increase access to capital and develop their business.

Pengaruh Teknologi Digital Dalam Perkembangan Layanan Perbankan Syariah Cintya, Priska; Fauzatul Laily Nisa
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 3 (2024): Juli
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i3.788

Digital transformation has become an important issue in the financial industry, including Islamic banking in the current digital era. The development of digital technology has affected the way Islamic banks provide services to customers, allowing them to reach more customers in various locations without being limited by physical offices. Digital banking services developed using digital technology provide convenience, speed, and security in transactions to customers. This study aims to examine the influence of digital technology in the development of Islamic banking services. The money research method used is a literature study by analyzing various literature sources. The results show that digital transformation in Islamic banking has a significant impact, including increased efficiency, productivity, service quality, and customer satisfaction.

Analisis Inovasi Dan Implementasi Peran Ekonomi Syariah Dalam Menghadapi Era Digital Muhammad Rizky Dwi Kurniawan; Fauzatul Laily Nisa
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 3 (2024): Juli
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i3.789

Abstract. The digital era has brought significant changes across various sectors of life, including the economy. The continuously evolving digital technology presents new opportunities and challenges, particularly in the implementation of Islamic economics in Indonesia. This article aims to analyze the innovations and implementation of Islamic economics in facing the developments of the digital era. The theoretical review covers the principles of Islamic economics, technology in the digital era, and the role of digital technology in the context of Islamic economics. This research employs a literature review method to understand various innovations and implementations in Islamic economics. The study results show that Islamic fintech, blockchain, Islamic crowdfunding, and collaboration with E-Commerce marketplaces have had a positive impact by enhancing access, transparency, and efficiency in financial transactions. By leveraging technological innovations, Islamic economics can contribute to creating an inclusive and sustainable economic system, benefiting individuals and society as a whole. Keywords: Digital Era, sharia economics, Technological Innovation Abstrak. Era digital telah membawa perubahan signifikan di berbagai sektor kehidupan, termasuk ekonomi. Teknologi digital yang terus berkembang memberikan peluang dan tantangan baru, khususnya dalam implementasi ekonomi syariah di Indonesia. Artikel ini bertujuan untuk menganalisis inovasi dan implementasi ekonomi syariah dalam menghadapi perkembangan era digital. Kajian teori mencakup prinsip-prinsip ekonomi syariah, teknologi di era digital, dan peran teknologi digital dalam konteks ekonomi syariah. Penelitian ini menggunakan metode kajian literatur untuk memahami berbagai inovasi dan implementasi dalam ekonomi syariah. Hasil studi menunjukkan bahwa fintech syariah, blockchain, crowdfunding syariah, dan kolaborasi dengan E-Commerce marketplace telah membawa dampak positif dengan meningkatkan akses, transparansi, dan efisiensi transaksi keuangan. Dengan memanfaatkan inovasi teknologi, ekonomi syariah dapat berkontribusi dalam menciptakan sistem ekonomi yang inklusif dan berkelanjutan, menguntungkan individu dan masyarakat secara keseluruhan. Kata kunci: Era Digital, Ekonomi Syariah, Inovasi Teknologi

ANALISIS HUKUM EKONOMI SYARIAH TERHADAP PENYELESAIAN PEMBAYARAN BERMASALAH DI PERBANKAN SYARIAH Almirah Luthfiyah Nur Aurellia; Fauzatul Laily Nisa
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 3 (2024): Juli
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i3.792

Problematic financing is an unavoidable risk for banks in providing financial services. This situation can occur when the debtor fails to fulfill his obligations to the bank, either due to business failure or deliberately not paying financing obligations according to the agreement due to the debtor's bad character. This research aims to identify the factors and impacts of problematic financing in sharia banking, the resolution mechanism, as well as the regulation and relevance of sharia economic law in resolving these problems. The method used is normative juridical (legal research) which focuses on studying the application of applicable positive legal rules or norms and is related to the substance of the research. The research results show that problematic financing factors originate from internal factors (managerial errors) and external factors (debtor errors). Resolving problematic financing can be done through alternative dispute resolution or litigation (resolved by the court). Meanwhile, sharia economic law regulations regarding the resolution of problematic financing can be carried out by means of tahkim, through qadhi, or resolved by means of al-ishlah.

Analisis Tantangan dan Peluang Perbankan Syariah dalam Mewujudkan Pembangunan Ekonomi Berkelanjutan Calvin Alfiansyah; Fauzatul Laily Nisa
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 3 (2024): Juli
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i3.814

Islamic banking, with principles based on Islamic law, has developed rapidly and become an important part of the global financial system. In the last few decades, Islamic banking has not only been seen as an alternative to conventional banking, but also as an instrument that can make a significant contribution to sustainable economic development. Sharia principles such as the prohibition of riba (interest), maisir (speculation), and gharar (uncertainty) as well as a commitment to social justice and general welfare provide a strong foundation for promoting a sustainable and inclusive economy. This research describes the challenges and opportunities of Islamic banking in realizing sustainable economic development in the form of writing based on literature studies carried out by finding secondary data obtained from literature studies carried out. In expressing the challenges and opportunities of sharia banking in realizing sustainable economic development, it is carried out using the concept of sustainable economic development by looking at three aspects, namely social aspects, economic aspects and environmental aspects.

Pengaruh Implementasi Prinsip Syariah dalam Produk Pembiayaan Murabahah Bank Syariah Terhadap Kinerja Keuangan UMKM: Kajian Literatur Rindyi Putri Lestari; Fauzatul Laily Nisa
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 3 (2024): Juli
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i3.736

Murabaha financing is one of the Islamic financing products that is popular among MSMEs. This product is in accordance with Islamic sharia principles which prohibit usury and encourage fair buying and selling transactions. This study aims to analyze the implementation of sharia principles in murabahah financing products of Islamic banks on the financial performance of MSMEs. A literature review was conducted to understand the concepts of sharia principles, murabaha financing, and MSMEs financial performance. Data were collected from various sources, journals, including books, and other reliable sources. The study results show that the implementation of sharia principles in murabaha financing products of Islamic banks has a positive influence on the financial performance of MSMEs. This positive influence can be seen from the increase in profitability and operational efficiency of MSMEs. In addition, murabaha financing can also help MSMEs to increase access to capital and develop their business.

Pengaruh Teknologi Digital Dalam Perkembangan Layanan Perbankan Syariah Cintya, Priska; Fauzatul Laily Nisa
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 3 (2024): Juli
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i3.788

Digital transformation has become an important issue in the financial industry, including Islamic banking in the current digital era. The development of digital technology has affected the way Islamic banks provide services to customers, allowing them to reach more customers in various locations without being limited by physical offices. Digital banking services developed using digital technology provide convenience, speed, and security in transactions to customers. This study aims to examine the influence of digital technology in the development of Islamic banking services. The money research method used is a literature study by analyzing various literature sources. The results show that digital transformation in Islamic banking has a significant impact, including increased efficiency, productivity, service quality, and customer satisfaction.

Analisis Inovasi Dan Implementasi Peran Ekonomi Syariah Dalam Menghadapi Era Digital Muhammad Rizky Dwi Kurniawan; Fauzatul Laily Nisa
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 3 (2024): Juli
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i3.789

Abstract. The digital era has brought significant changes across various sectors of life, including the economy. The continuously evolving digital technology presents new opportunities and challenges, particularly in the implementation of Islamic economics in Indonesia. This article aims to analyze the innovations and implementation of Islamic economics in facing the developments of the digital era. The theoretical review covers the principles of Islamic economics, technology in the digital era, and the role of digital technology in the context of Islamic economics. This research employs a literature review method to understand various innovations and implementations in Islamic economics. The study results show that Islamic fintech, blockchain, Islamic crowdfunding, and collaboration with E-Commerce marketplaces have had a positive impact by enhancing access, transparency, and efficiency in financial transactions. By leveraging technological innovations, Islamic economics can contribute to creating an inclusive and sustainable economic system, benefiting individuals and society as a whole. Keywords: Digital Era, sharia economics, Technological Innovation Abstrak. Era digital telah membawa perubahan signifikan di berbagai sektor kehidupan, termasuk ekonomi. Teknologi digital yang terus berkembang memberikan peluang dan tantangan baru, khususnya dalam implementasi ekonomi syariah di Indonesia. Artikel ini bertujuan untuk menganalisis inovasi dan implementasi ekonomi syariah dalam menghadapi perkembangan era digital. Kajian teori mencakup prinsip-prinsip ekonomi syariah, teknologi di era digital, dan peran teknologi digital dalam konteks ekonomi syariah. Penelitian ini menggunakan metode kajian literatur untuk memahami berbagai inovasi dan implementasi dalam ekonomi syariah. Hasil studi menunjukkan bahwa fintech syariah, blockchain, crowdfunding syariah, dan kolaborasi dengan E-Commerce marketplace telah membawa dampak positif dengan meningkatkan akses, transparansi, dan efisiensi transaksi keuangan. Dengan memanfaatkan inovasi teknologi, ekonomi syariah dapat berkontribusi dalam menciptakan sistem ekonomi yang inklusif dan berkelanjutan, menguntungkan individu dan masyarakat secara keseluruhan. Kata kunci: Era Digital, Ekonomi Syariah, Inovasi Teknologi

ANALISIS HUKUM EKONOMI SYARIAH TERHADAP PENYELESAIAN PEMBAYARAN BERMASALAH DI PERBANKAN SYARIAH Almirah Luthfiyah Nur Aurellia; Fauzatul Laily Nisa
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 3 (2024): Juli
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i3.792

Problematic financing is an unavoidable risk for banks in providing financial services. This situation can occur when the debtor fails to fulfill his obligations to the bank, either due to business failure or deliberately not paying financing obligations according to the agreement due to the debtor's bad character. This research aims to identify the factors and impacts of problematic financing in sharia banking, the resolution mechanism, as well as the regulation and relevance of sharia economic law in resolving these problems. The method used is normative juridical (legal research) which focuses on studying the application of applicable positive legal rules or norms and is related to the substance of the research. The research results show that problematic financing factors originate from internal factors (managerial errors) and external factors (debtor errors). Resolving problematic financing can be done through alternative dispute resolution or litigation (resolved by the court). Meanwhile, sharia economic law regulations regarding the resolution of problematic financing can be carried out by means of tahkim, through qadhi, or resolved by means of al-ishlah.

Analisis Tantangan dan Peluang Perbankan Syariah dalam Mewujudkan Pembangunan Ekonomi Berkelanjutan Calvin Alfiansyah; Fauzatul Laily Nisa
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 3 (2024): Juli
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i3.814

Islamic banking, with principles based on Islamic law, has developed rapidly and become an important part of the global financial system. In the last few decades, Islamic banking has not only been seen as an alternative to conventional banking, but also as an instrument that can make a significant contribution to sustainable economic development. Sharia principles such as the prohibition of riba (interest), maisir (speculation), and gharar (uncertainty) as well as a commitment to social justice and general welfare provide a strong foundation for promoting a sustainable and inclusive economy. This research describes the challenges and opportunities of Islamic banking in realizing sustainable economic development in the form of writing based on literature studies carried out by finding secondary data obtained from literature studies carried out. In expressing the challenges and opportunities of sharia banking in realizing sustainable economic development, it is carried out using the concept of sustainable economic development by looking at three aspects, namely social aspects, economic aspects and environmental aspects.

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