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All Journal Journal of Islamic Studies and Humanities Setyaki : Jurnal Studi Keagamaan Islam Journal of Principles Management and Bussines
Yuwono, Cinanthya
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Religion Humanities Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Peran Manajemen dalam Proses Identifikasi Risiko Pada Produk Cicil Emas di BSI KCP Banjarnegara Yuwono, Cinanthya
Journal of Principles Management and Business Vol. 4 No. 01 (2025): June 2025
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/jpmb.v4i01.238

Abstract

This article explores the risk management approaches adopted by BSI KCP Banjarnegara, a branch of Bank Syariah Indonesia located in Central Java, particularly in managing its gold installment financing program. As gold investment becomes increasingly popular, the bank must manage several risks, such as fluctuations in gold prices, creditworthiness of customers, operational issues, verifying the authenticity of gold, legal compliance, market dynamics, and adherence to Islamic financial principles. Based on 2023 data from the Financial Services Authority (OJK), there was an 18.5% national increase in gold installment transactions, highlighting the importance of strong risk management strategies. To mitigate these risks, BSI implements a comprehensive risk management system. This includes conducting 5C credit assessments, collaborating with trusted gold suppliers like Antam, and performing regular internal and external audits. In addition, BSI ensures compliance with Islamic law by using murabahah contracts in line with DSN-MUI (National Sharia Council of the Indonesian Ulema Council) guidelines. These practices help minimize financial risk while upholding values of fairness, transparency, and Islamic ethics. The article offers a fresh perspective by examining sharia-based risk management in gold financing, contrasting with conventional approaches. The insights shared can serve as guidance for other Islamic financial institutions looking to develop effective and sharia compliant financial products.
Adat Bertemu Syariat: Studi Islamisasi Tradisi Wiwitan di Desa Semampir, Banjarnegara Kuswianto, Dwi; Yuwono, Cinanthya
SETYAKI : Jurnal Studi Keagamaan Islam Vol. 3 No. 2 (2025): MEI (on Progress)
Publisher : CV Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/setyaki.v3i2.1916

Abstract

This study aims to examine the process of Islamization of the Wiwitan tradition in Semampir Village, Banjarnegara, as a dynamic encounter between local customs and Islamic Sharia values. The Wiwitan tradition, which is rich in symbolic meanings and ancestral practices, has undergone transformation in line with the community’s growing Islamic awareness. Employing a qualitative-descriptive approach and ethnographic methods, data were collected through participatory observation from January to February 2025, in-depth interviews with religious leaders, cultural figures, and youth, as well as document analysis. The findings reveal that the process of Islamization occurs gradually and dialogically, rather than through direct rejection of local customs. The reinterpretation of meanings, adaptation of ritual symbols, and active involvement of local figures have turned the tradition into an effective medium for cultural da'wah. Islam does not emerge as a hegemonic force but instead blends harmoniously with local cultural structures. The integration of custom and Sharia creates a new space for religiosity that is inclusive and contextual. These findings highlight the importance of culturally based approaches in fostering a moderate Islamic society rooted in local wisdom and open to change
RECONSTRUCTING ISLAMIC ETHICAL REASONING IN DIGITAL GOLD INVESTMENT: A QUALITATIVE STUDY OF MUSLIM MORAL PERCEPTIONS Yuwono, Cinanthya; Ghofur, Abdul
Journal of Islamic Studies and Humanities Vol. 10 No. 2 (2025): Journal of Islamic Studies and Humanities
Publisher : UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jish.v10i2.29003

Abstract

This study investigates the ethical perceptions of Muslim communities toward digital gold innovations in the era of financial digitization, emphasizing the integration of Islamic values, economic considerations, and modern financial technology. Unlike previous studies focusing primarily on economic factors or technology adoption, this research highlights the role of ethics, Sharia compliance, and social norms in investment decisions. Using a qualitative approach, data were collected through literature review and in-depth interviews with Muslim digital gold investors, allowing for a comprehensive understanding of ethical reasoning and value reconstruction in digital financial practices. The findings reveal that investors consider not only financial benefits but also principles such as justice (‘adl), trustworthiness (amanah), honesty (shiddiq), public interest (maslahah), and sincerity (ikhlas) when evaluating investment legitimacy. Digitalization is perceived as a means to facilitate accessible, efficient, and Sharia-compliant investment without compromising ethical principles. The study also indicates the importance of clear contracts, transparency, and credible Sharia certification in enhancing trust. These insights contribute to developing an ethical evaluation framework for Sharia fintech and provide guidance for designing digital financial products that are morally sound, socially beneficial, and financially secure. The results further suggest directions for future research on digital literacy, educational strategies, and social influence in shaping young Muslims’ investment behavior.
Co-Authors Abdul Ghofur Ariyanti, Ovi Kuswianto, Dwi Syardani, Ilham Putra