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All Journal Jurnal Magister Ekonomi Syariah Journal of Islamic Economics and Finance
Khairul Umam Khudhori
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Determinan Peningkatan Urbanisasi Di Negara-Negara ASEAN Dafelia Qodhari; Khairul Umam Khudhori
Jurnal Magister Ekonomi Syariah Vol. 3 No. 1 Juni (2024): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2024.031-05

Abstract

The inevitable phenomenon of urbanization will have a bad impact if it is not balanced with wise policies that cause inequality in welfare between villages and cities, especially in developing countries. This study aims to measure and explain the relationship between the minimum wage, job opportunities, education, and economic growth to increase urbanization. The population in this study is from ASEAN countries, with a sample size of 8 countries: Indonesia, Malaysia, Thailand, Vietnam, Cambodia, Laos, Myanmar, and the Philippines. This study uses panel data processed with the Fixed Effect Model (FEM) approach. The study's findings show that any increase in minimum wage, employment opportunities, and economic growth will encourage an increase in urbanization, whereas education has no significant effect on the increase in urbanization in ASEAN countries. This needs to be done equally in the development of villages and cities by the government so that there is no gap in wages and job opportunities that can increase urbanization, causing problems of population density, increased crime, slums, and high carbon emissions in urban areas.
STUDI LITERATUR SISTEM KEAMANAN BIOMETRIK UNTUK VERIFIKASI MOBILE BANKING BANK SYARIAH Adilla Nadzifatuz Zahra; Khairul Umam Khudhori; Ranaswijaya, Ranaswijaya; Apriyani Lestari
Journal of Islamic Economics and Finance Vol. 2 No. 2 (2025): November
Publisher : Yayasan Nuraini Ibrahim Mandiri

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Abstract

Penelitian ini bertujuan untuk menganalisis penerapan sistem keamanan biometrik dalam verifikasi mobile banking pada bank syariah serta mengevaluasi efektivitas, tantangan, dan relevansinya berdasarkan perspektif keamanan, prinsip syariah, dan regulasi hukum positif. Metode penelitian yang digunakan adalah studi literatur dengan pendekatan deskriptif kualitatif, yang menelaah berbagai referensi ilmiah, dokumen hukum, hasil penelitian terdahulu, serta data implementasi biometrik pada bank syariah di Indonesia seperti BSI, BCA Syariah, dan Bank Mega Syariah. Hasil penelitian menunjukkan bahwa teknologi biometrik memberikan tingkat keamanan yang lebih tinggi dibandingkan metode tradisional seperti PIN dan OTP karena berbasis ciri biologis yang unik, sulit dipalsukan, dan praktis digunakan. Penerapan biometrik juga dinilai sesuai dengan prinsip hifz al-mal dalam maqashid syariah dan didukung oleh regulasi hukum seperti Undang-Undang Perlindungan Data Pribadi (UU No. 27 Tahun 2022). Namun, implementasi biometrik menghadapi tantangan berupa risiko kebocoran data, ketergantungan teknologi perangkat, dan isu etika privasi. Simpulan penelitian ini menunjukkan bahwa biometrik efektif meningkatkan keamanan verifikasi mobile banking bank syariah, namun perlu diimbangi dengan perlindungan hukum, edukasi nasabah, dan dukungan infrastruktur teknologi agar implementasinya optimal, aman, dan sesuai prinsip syariah.
Co-Authors Adilla Nadzifatuz Zahra Apriyani Lestari Dafelia Qodhari Ranaswijaya, Ranaswijaya