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The Innovation of Digital Payment System with QRIS in National Open API and Maqasid al-Sharia Standards Sarif, Akbar; Ariyanti, Rini
International Journal of Applied Business and International Management Vol 9, No 2 (2024): August 2024
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v9i2.2553

QRIS is a digital payment system innovation standardized as a national QR code in Indonesia. This paper analyzes the National Open API and Maqasid al-Sharia standards within the QRIS digital payment system. Employing a qualitative descriptive methodology, the study determined that Bank Indonesia formulated three National Open API standards: governance guidelines, data standards with technical specifications, and technical and safety standards. Aligned with Maqasid al-Sharia, the analysis reveals a significant correlation between QRIS and its core tenets, specifically Hifz ad-Din (safeguarding religion) and Hifz al-Mal (preserving wealth). Moreover, viewing maqasid as a methodological framework, QRIS is deemed a legal and halal system conforming to maqasid. This topic can be examined from five dimensions: the payment system's alignment with Sharia law, its widespread use among traders (urf tujjar), the contractual adherence (ijab qabul) to Islamic sharia and user benefits, the reflection of service value in QRIS service fees, and mutual advantages for both parties. Regarding maslahah, QRIS falls under dzanni maslahah, necessitating its implementation to be entrusted to contemporary mujtahids for the continued benefit of users.

FINANCIAL PERFORMANCE ANALYSIS OF BANK SYARIAH INDONESIA THROUGH CAMEL APPROACH FROM 2019 - 2021 Sarif, Akbar; Ariyanti, Rini
Journal Of Islamic Ekonomic and Business Vol 2 No 2 (2023): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v2i2.19907

The bank's financial performance describes the financial condition in a certain period involving aspects of raising funds and channeling funds as measured by indicators of capital adequacy, liquidity, and bank profitability. The CAMEL method is used as an assessment of the level of performance and soundness of an operating bank to serve as a reference for the smooth operation of the bank. These aspects include Capital (capital adequacy), Asset Quality (asset quality), Management (management), and Earnings (profitability). , and Liquidity (liquidity). In this journal, financial performance will be judged by its financial ratios NPF (Non-Performing Financing), FDR (Financing to Deposit Ratio), ROA (Return on Assets), ROE (Return on Equity), NIM (Net Interest Margin), CAR (Capital Adequacy Ratio). Having a financial performance report is very useful for a company as a basis for determining the company's strategy for the future. Looking at the company's overall performance, can even guide in making decisions.

Optimizing Waqf as a Socio-Economic Financing Instrument in the Digital Era Sudi, Didih Muhamad; Sarif, Akbar; Wang, Yuanyuan; Zou, Guijiao
Sharia Oikonomia Law Journal Vol. 2 No. 2 (2024)
Publisher : Yayasan Pendidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v2i2.1157

Waqf, an important Islamic philanthropic tool for social and economic financing, has a long history. However, the management and distribution of waqf often hinders wider potential benefits. Information technology can be a useful tool to overcome these various obstacles in the current digital era. The aim of this research is to identify various technologies that can be used to optimize waqf management. Specifically, this research aims to identify technologies that can be used to increase efficiency and transparency in waqf management, evaluate how the application of these technologies impacts the effectiveness of waqf management, and make strategic recommendations for waqf managers and other stakeholders. Data was collected through in-depth interviews with waqf managers, Islamic economic experts and information technology experts. In addition, annual reports of waqf institutions, government policies related to waqf, and academic literature on the digitalization of waqf management were analyzed. Thematic analysis techniques are used to find main research patterns and themes. The research results show that using digital technology in waqf management has many major advantages. Technologies such as smart contracts and blockchain can increase the security and transparency of waqf transactions, reduce the possibility of abuse, and enable more effective audits. In addition, wider waqf fundraising is made possible by digital-based crowdfunding platforms. This research finds that digital technology has great potential to optimize waqf management as a socio-economic financing tool. This technology can overcome many of the traditional problems faced by waqf management, such as lack of transparency and efficiency.

The Innovation of Digital Payment System with QRIS in National Open API and Maqasid al-Sharia Standards Sarif, Akbar; Ariyanti, Rini
International Journal of Applied Business and International Management Vol 9, No 2 (2024): August 2024
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v9i2.2553

QRIS is a digital payment system innovation standardized as a national QR code in Indonesia. This paper analyzes the National Open API and Maqasid al-Sharia standards within the QRIS digital payment system. Employing a qualitative descriptive methodology, the study determined that Bank Indonesia formulated three National Open API standards: governance guidelines, data standards with technical specifications, and technical and safety standards. Aligned with Maqasid al-Sharia, the analysis reveals a significant correlation between QRIS and its core tenets, specifically Hifz ad-Din (safeguarding religion) and Hifz al-Mal (preserving wealth). Moreover, viewing maqasid as a methodological framework, QRIS is deemed a legal and halal system conforming to maqasid. This topic can be examined from five dimensions: the payment system's alignment with Sharia law, its widespread use among traders (urf tujjar), the contractual adherence (ijab qabul) to Islamic sharia and user benefits, the reflection of service value in QRIS service fees, and mutual advantages for both parties. Regarding maslahah, QRIS falls under dzanni maslahah, necessitating its implementation to be entrusted to contemporary mujtahids for the continued benefit of users.

Productive Waqf as a Sustainable Financial Instrument in the Perspective of Islamic SDGs Judijanto, Loso; Sarif, Akbar; Ariyanti, Rini
West Science Islamic Studies Vol. 3 No. 02 (2025): West Science Islamic Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsiss.v3i02.1833

This paper explores the concept of productive waqf as a sustainable financial instrument within the framework of Islamic Sustainable Development Goals (Islamic SDGs). The literature review analyzes various scholarly works on productive waqf, focusing on its potential to generate income through investment in income-generating ventures, such as real estate and social enterprises. The review identifies key benefits of productive waqf, including its alignment with poverty alleviation, education, healthcare, economic empowerment, and environmental sustainability. Despite its potential, challenges such as legal barriers, governance issues, and public awareness remain significant obstacles. The paper highlights the need for regulatory reforms, professional management, and public education to unlock the full potential of productive waqf. It concludes that with proper reforms, productive waqf can play a pivotal role in achieving sustainable development goals within the Islamic context.

Zuhd and Mahabbah: Liberating Modern Society from Spiritual Desolation and Moral Decadence Zaprulkhan, Zaprulkhan; Abas, Zainul; Sarif, Akbar
Teosofi: Jurnal Tasawuf dan Pemikiran Islam Vol. 15 No. 1 (2025): June
Publisher : Department of Aqidah and Islamic Philosophy, Faculty of Ushuluddin and Philosophy, Sunan Ampel State Islamic University Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/teosofi.2025.15.1.205-228

This paper discusses the significance of zuhd and maḥabbah in addressing the spiritual desolation and moral decadence of modern society. It explores the Sufistic approach to dealing with soul sickness, manifested in rising levels of spiritual anxiety and moral degradation. Zuhd functions as an internal mechanism for curbing negative impulses and immoral behaviors, while maḥabbah offers a counterbalance to materialism and self-centeredness by fostering love for others and for God. This literature-based study critically examines the Sufistic concepts as part of a social discourse on the spiritual emptiness and its effects on modern society. The study finds that a stronger emphasis on zuhd and maḥabbah can bring existential peace through ascetic practices, moral guidance, and community engagement. Islam is a holistic religion and a way of life, which loses its positive role in Muslim society if it does not support physical, moral, and spiritual restoration. This concern is especially urgent in an age where moral inversions—where right is perceived as wrong and wrong is right—have become increasingly normalized.

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