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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Tasyri' : Jurnal Muamalah dan Ekonomi Syariah
Nurul Inayah
Universitas Islam Negeri Sumatera Utara, Indonesia
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Law, Crime, Criminology & Criminal Justice Other

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Design Of The Sharia Insurance Study Program Research Roadmap: R&D Model Atika Atika; Nurul Jannah; Nurul Inayah
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 2 (2024): April
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i2.5547

Abstract

The significance of the research roadmap's position within the study program stems from the fact that it serves as a guide, control, and assurance of the research quality for lecturers and students. Obtaining a research roadmap development design for the sharia insurance study program is the objective of this investigation. This research employs a qualitative approach. Qualitative analysis was employed to examine the data utilizing the 4D model in conjunction with the R&D (Research and Development) method. The research findings indicate that the formulation of the Research Roadmap Design for the Sharia Insurance Study Program was influenced by the following factors: the Scientific Vision of the program, the Field of Expertise of the Lecturers, ARKAN, industry needs and graduate profiles, and research topics conducted by both students and faculty. The research conducted by lecturers at Homebase remains below 50% compliant with the research roadmap outlined for the sharia insurance study program. The research road map indicates that fifty percent of students have completed sharia insurance study programs; however, a substantial amount of research remains that centers on the identical subject matter. Consequently, further deliberation is required to select and disseminate the remaining themes outlined in the research roadmap for sharia insurance study programs
Analisis Efektivitas Transaksi Emas Digital Melalui Aplikasi Bsi Mobile Dibandingkan Layanan Emas Fisik: Studi Kualitatif Pada Fintech Syariah Habibul Ahir; Nur AhmadBiRahmani; Nurul Inayah
Tasyri' : Jurnal Muamalah dan Ekonomi Syariah Vol. 8 No. 2 (2026): TASYRI’: Jurnal Muamalah dan Ekonomi Syari’ah
Publisher : Fakultas Hukum dan Ekonomi Syariah Institut Agama Islam Pangeran Dharma Kusuma Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55656/tjmes.v8i2.739

Abstract

The rapid development of financial technology (fintech) has transformed investment services, including digital gold investment, which has gained increasing public interest due to its convenience and transaction flexibility. This study aims to analyze the effectiveness of digital gold transactions through the BSI Mobile application compared to physical gold services from the perspective of Islamic fintech. This research employed a qualitative approach using a descriptive comparative method. Data were collected through in-depth interviews with informants selected using purposive sampling based on their direct experience with both digital and physical gold transactions. Data analysis followed the Miles and Huberman model, consisting of data reduction, data display, and conclusion drawing. The findings indicate that digital gold transactions through the BSI Mobile application are perceived to be more effective than physical gold transactions, particularly in terms of time efficiency, ease of access, and information transparency. Furthermore, the legal status of Bank Syariah Indonesia (BSI), supervision by the Financial Services Authority (OJK), and oversight by the Sharia Supervisory Board (DPS) enhance users' trust in the security and legitimacy of digital gold transactions. Nevertheless, physical gold is still considered superior in terms of psychological ownership certainty, as the asset can be physically possessed and directly observed. From the perspective of Islamic law, digital gold transactions are considered permissible, provided that they comply with Sharia principles, including the existence of a clear contract (akad), an underlying asset, certainty of ownership, and the absence of riba (usury), gharar (uncertainty), and maysir (gambling/speculation). This study concludes that digital gold investment through the BSI Mobile application represents a more effective investment alternative than physical gold services within the context of Islamic fintech.
Co-Authors Atika Atika Habibul Ahir Nur AhmadBiRahmani Nurul Jannah