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Deconstructing Market Share Stagnation: The Dialectic of Regulation and the Dynamics of the Islamic Banking Ecosystem in Indonesia Putri Ningsi; Revi Mariska; Tasya Amalia; Ayu Ariska
JOURNAL EKONOMI, KEUANGAN, PERBANKAN DAN AKUNTANSI SYARIAH Vol. 5 No. 1 (2026): JOURNAL EKSPEKTASy
Publisher : Institut Agama Islam Persis Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54801/h6n56t53

Abstract

This study examines the historical dynamics, regulatory architecture, and competitive landscape between Islamic and conventional banking in Indonesia. Utilizing a qualitative approach based on library research, this study dissects the operational ontology of both systems using secondary data from authoritative academic literature and official documents from financial institutions (OJK and Bank Indonesia). The analytical findings reveal that Islamic banking offers a superior paradigm of distributive justice through profit-and-loss sharing schemes and egalitarian partnership bonds, serving as an antithesis to the fixed interest rate regime in the conventional system. Although supported by a robust regulatory framework (Law No. 21 of 2008) and cross-institutional supervisory synergy, Islamic banking continues to face significant structural challenges. The dominance of conventional banks has led to a stagnation of the Islamic banking market share at approximately 10% of total national banking assets. The primary constraints stem from low specific Islamic financial literacy, technological infrastructure gaps, and limited-service product innovation. This study concludes that to disrupt market hegemony, Islamic banking entities require interventions that transcend theological sentiments, namely the acceleration of inclusive digital transformation, competitive financial product engineering, and affirmative policy support from the state to fortify its role within the national financial architecture
Family Mediation in Resolving Conflicts Arising from Toxic Behavior in the Online Game Mobile Legends: A Conceptual Analysis and 5M Model Based on Tahkīm and Sulh Revi Mariska; Yoki Pradikta, Hervin; Mu'in, Fathul
Jurnal Mahkamah : Kajian Ilmu Hukum dan Hukum Islam Vol. 11 No. 1 Juni (2026)
Publisher : Institut Agama Islam Ma'arif NU (IAIMNU) Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25217/jm.v11i1.7786

Abstract

This study aims to examine the characteristics of family conflicts arising from toxic behavior in the competitive online game Mobile Legends: Bang Bang (MLBB) and to formulate a family mediation strategy based on the principles of Islamic Family Law, particularly sulh and tahkīm. The study employs a qualitative approach with an empirical descriptive-analytical design through the integration of literature review, conceptual legal analysis, and synthetic case illustrations to enhance analytical depth and theoretical coherence. The findings indicate that family conflicts are primarily triggered by competitive pressure and the phenomenon of online disinhibition during gameplay, which subsequently extends into the domestic sphere in the form of emotional tension, neglect of family responsibilities, and financial disputes due to in-game expenditures. These findings underpin the formulation of the 5M Family Mediation Model, which consists of mapping problems, managing emotions, conducting deliberation, establishing agreements, and monitoring as well as evaluating outcomes. The model emphasizes the importance of empathetic communication, emotional regulation, structured limitations on gaming duration and spending, as well as the reinforcement of islāḥ and tahkīm values as mechanisms for just and sustainable conflict resolution. This study contributes conceptually to the discourse on digital behavior and family mediation within the framework of Islamic law, although it is limited by its illustrative nature and the absence of primary empirical field data. This condition opens opportunities for future empirical studies to test the effectiveness of the proposed model across broader and more diverse social contexts.