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Transformation of Conventional Banking to Digital Banking: Regulation and Risk Management Ma'rifah, Aula Nurul; Pranata, Eka Octavian; Nabilah, Deva; Arini, Erni Zulfa
Al-Mashrof: Islamic Banking and Finance Vol. 5 No. 2 (2024): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v5i2.24186

Abstract

This research discusses the transformation of conventional banks to digital banking by emphasizing the importance of regulation and risk management. The method used is literature review, collecting and reviewing references related to OJK regulations governing digital banking services and risk management related to digital banks. The results show that strong regulations are needed to protect consumers and ensure the stability of the digital banking system. In addition, banks must implement adequate risk management to address threats such as cybersecurity, data protection, and operational risks. Good risk management allows banks to mitigate the negative impacts that may arise during the digitalization process. This research emphasizes the importance of regulation and comprehensive risk management in maintaining sustainability and customer trust in digital banking.
APLIKASI E-WALLET: SOLUSI DIGITAL UNTUK PERLINDUNGAN HARTA BERDASARKAN MAQASID SYARIAH Musanna, Khadijatul; Fitri, Aulia; Nabilah, Deva
Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Vol 10, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/almaqasid.v10i2.13615

Abstract

E-wallet is an electronic media used to store electronic money through certain applications. Various services provided by the company make e-wallet more practical, fast, and efficient in transactions. The use of e-wallet can be evaluated in the context of hifz mal (preservation of assets) in maqashid sharia to ensure its compliance with sharia principles. Hifz Mal is an important part of Maqshid Sharia which aims for the benefit of the community in a legal case. Maqashid Sharia as the maintenance of goodness achieves benefits and prevents evil. All matters in Islam are global and specific, all can be solved based on public interest, this is in line with the concept of Maqashid Sharia. The research methodology used in this study is qualitative with content analysis techniques to obtain data. This study examines comprehensive articles and books related to e-wallet, as well as the views of scholars on the concept of hifz mal. The results of the study indicate that the use of e-wallet as an electronic transaction medium to purchase products or services is in accordance with the concept of hifz mal. The use of money stored in e-wallets as a means of exchange in digital transactions is widely accepted by the public and does not involve elements of usury, gharar, gambling, or exploitation. In addition, e-wallets offer high security features and dual benefits that can make people's lives easier, in accordance with the principle of maintaining assets in maqashid sharia.
Digital Solutions for Islamic Charity: The Impact of Cryptocurrency on Zakat, Infaq, and Sadaqah Pranata, Eka Octavian; Nabilah, Deva; Ma’rifah, Aula Nurul
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v6i4.5645

Abstract

In the digital age, financial technology (fintech) developments offer new opportunities for the practice of Islamic charity, particularly zakat, infaq, and sadaqah (ZIS). One of the most innovative solutions is the use of cryptocurrency in these charitable activities. This article aims to analyze the impact of cryptocurrency adoption in the collection and distribution of ZIS by reviewing relevant literature and existing case studies. The research seeks to understand the potential, challenges, and legal implications of utilizing cryptocurrency in Islamic charity. The findings reveal that while cryptocurrency has the potential to enhance the efficiency and transparency of ZIS collection, it also presents challenges related to regulation, value stability, and acceptance by religious authorities.