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All Journal Jurnal Penelitian Saintek MALIA El-Qist : Journal of Islamic Economics and Business (JIEB) Jurnal Iqtisaduna Al-Muzdahir: Jurnal Ekonomi Syariah JAWI : Journal of Ahkam Wa Iqtishad Opportunity Jurnal Penelitian dan Pengabdian Masyarakat
Arum, Hafidza Sanshia
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Opportunities for Young People in Developing Sharia Economics in Indonesia in the Digital Age Rupita, Nanda Ega; Arum, Hafidza Sanshia
JAWI : Journal of Ahkam Wa Iqtishad Vol. 3 No. 2 (2025): JAWI - JUNI
Publisher : MUI Kota Pekanbaru

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This study aims to analyze the role of the younger generation in developing the digital sharia economy in Indonesia by emphasizing sharia principles, the role of digital technology, and existing opportunities and challenges. The sharia economy is based on the principles of prohibiting usury, gharar, and maysir, and emphasizes justice, transparency, and equitable distribution of wealth. These principles serve as a moral foundation and filter in utilizing technological innovations to ensure they remain in line with sharia objectives. In the context of digitalization, these principles are highly relevant because they can steer modern economic practices towards a more ethical and equitable system. The younger generation, as digital natives, have adaptive skills in using technology and great potential as agents of transformation. They not only play a role as users of Islamic digital services but also as creators of innovations such as Islamic fintech, halal digital wallets, and waqf crowdfunding. However, there are still obstacles in the form of low Islamic financial literacy, limited adaptive regulations, and public trust issues due to the prevalence of digital fraud. This study uses a qualitative descriptive method through literature review to examine the integration of the younger generation, technology, and sharia economic principles. The results show that the synergy between these three elements is key to building an inclusive, competitive, and sustainable digital sharia economic ecosystem. Thus, Indonesia has a great opportunity to emerge as the center of the global digital sharia economy in the future.
Basic Concepts and Methodology of Islamic Economics: Foundations of a Fair Economic System Amid Global Injustice Arum, Hafidza Sanshia; Adel, Ichsanul Reihan; Mahyarni
JAWI : Journal of Ahkam Wa Iqtishad Vol. 3 No. 3 (2025): JAWI - SEPTEMBER
Publisher : MUI Kota Pekanbaru

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This article aims to review the basic concepts and methodologies in Islamic economics as a response to increasing inequality and systemic crises in the modern global economic system. By integrating the bayani, burhani, and irfani approaches, Islamic economics provides an alternative paradigm that is not only normative but also applicable and rational. This article also compares the conventional bank interest system with Islamic finance principles, accompanied by an analysis of the Indonesian government's response to financial access inequality. This study encourages an open approach to the development of Islamic economics rooted in maqasid sharia values and adaptive to innovation. The results of this study show that Islamic economics has great potential to emerge as a fair, sustainable, and relevant economic system in the digital age.
Supervision and Control of Sharia Banking in Indonesia: The Central Role of the Financial Services Authority (OJK) in Sharia Governance Arum, Hafidza Sanshia; Fadhli, Muhammad; Nurnasrina
JAWI : Journal of Ahkam Wa Iqtishad Vol. 3 No. 4 (2025): JAWI - DESEMBER
Publisher : MUI Kota Pekanbaru

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The supervision and control of Islamic banking is a fundamental element in maintaining compliance with Islamic principles while ensuring the stability and sustainability of the Islamic finance industry in Indonesia. The rapid development of Islamic banking, fueled by digital innovation and the complexity of financial products, demands a supervisory system that is not only normative, but also adaptive and integrated. This study aims to comprehensively analyze the supervision and control mechanism of Islamic banking in Indonesia and identify the main challenges in its implementation. The research method used is a qualitative approach with a descriptive-analytical design through a literature study of regulations, sharia fatwas, official reports, and relevant scientific literature. Data analysis was carried out using content analysis techniques to assess the alignment between regulatory frameworks, supervisory practices, and sharia governance principles. The results of the study show that Indonesia already has a strong regulatory foundation through Law Number 21 of 2008, the role of the Financial Services Authority, the National Sharia Council-Indonesian Ulema Council, and the Sharia Supervisory Board. However, the effectiveness of supervision still faces challenges in the form of variations in DPS competencies, the lack of optimal harmonization between fatwas and technical regulations, limitations in sharia internal audits, and supervisory readiness in the face of digitalization and sharia fintech. This research emphasizes the need to strengthen sharia governance through improving the quality of human resources, integrating risk-based and technology-based supervision, and more effective institutional coordination to maintain the integrity and competitiveness of Islamic banking in Indonesia.
Co-Authors Adel, Ichsanul Reihan Afdhol Rinaldi Afifah, Dhiya Dwi ANDRINI, ROZI Azzaki, Adnan Fahroha, Fani Afrida Iskandar Ritonga Jayawarsa, A.A. Ketut Juita, Risa Mahyarni - Muhammad Albahi Muhammad Fadhli Muzan, Amrul Nazruddin Safaat H Nurhayati Nurhayati Nurnasrina Nurnasrina Putri, Nadia Sandi Raden Mohamad Herdian Bhakti Rupita, Nanda Ega Syahpawi Tasriani Tasriani