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All Journal Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Jurnal Ilmiah Ekonomi Islam Tadbir : Jurnal Studi Manajemen Pendidikan Journal of Humanities and Social Studies JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Jurnal Ilmiah Edunomika (JIE) Jurnal Darma Agung Academia Open Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Journal La Sociale JURNAL MANAJEMEN AKUNTANSI (JUMSI) SMBJ: Strategic Management Business Journal Innovative: Journal Of Social Science Research IIJSE
Indra, Ahmad Perdana
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Journal : JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)

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Analisis Crowdfunding Syariah Berdasarkan Prinsip Syariah Compliance Serta Implementasinya Dalam Produk Perbankan Syariah (Studi Kasus Bank Muamalat) Lestari, Aprilia; Indra, Ahmad Perdana; Anggraini, Tuti
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8 No 3 (2024): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v8i3.27949

Abstract

This research aims to analyze the application of sharia crowdfunding in the context of sharia compliance principles and its implementation in sharia banking products with a case study at Bank Muamalat. Sharia crowdfunding, as an alternative method of funding in accordance with sharia principles, offers the opportunity to accumulate various projects or businesses while still complying with the prohibitions on usury, gharar and maisir. This research discusses the application of sharia principles in sharia crowdfunding managed by Bank Muamalat, as well as how to integrate and implement this product in their sharia banking portfolio. The research methodology uses a qualitative approach with data analysis from internal bank reports, interviews with related parties, and literature studies on sharia principles and crowdfunding practices. The research results show that although sharia crowdfunding provides an innovative alternative. The main problems identified include late payments, defaults on projects, and difficulties in maintaining strict sharia compliance. This research recommends improvements in sharia monitoring mechanisms, sharpening operational guidelines, and training for sharia crowdfunding managers to ensure better and more effective products in meeting customer needs and sharia objectives.
Co-Authors Ayuni, Ifti Azzahra, Annisa Aulia Budi Harianto, Budi Elida Elfi Barus, Elida Elfi Elvina, Ayu Hermain, Hendra Irham, Mawaddah Lestari, Aprilia muhammad Syahbudi, muhammad Nafisah, Suhailatun Ningruma, Dyah Asti Pasaribu, Rifdah Atika Prisna, Nila Dera Purba, Rendi Ritonga, Ainun Jakia Rizqiyah, Anisah Saragih, Arif Kusnedi Syahira, Tira Tuti Anggraini Wahyu Syarvina Wijaya, Rio