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All Journal Trikonomika: Jurnal Ekonomi Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Eklektik : Jurnal Pendidikan Ekonomi dan Kewirausahaan SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Jurnal Tabarru': Islamic Banking and Finance Jurnal EK dan BI El-kahfi : Journal of Islamic economics Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Innovative: Journal Of Social Science Research Madani: Multidisciplinary Scientific Journal Amkop Management Accounting Review (AMAR) Borneo Islamic Finance and Economics Journal (BIFEJ) At-Tajdid: Journal of Islamic Studies Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam International Journal of Information System and Innovation Management Jurnal Pengabdian Mitra Masyarakat
Albahi, Muhammad
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TRANSFORMASI DIGITAL DALAM MANAJEMEN KEUANGAN SYARIAH: PELUANG DAN TANTANGAN Sari, Winda Novita; Albahi, Muhammad; Andrini, Rozi
Eklektik : Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8, No 2 (2025): Eklektik
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ekl.v8i2.38636

Abstract

This study aims to analyze the influence of digital transformation on Islamic financial management and to identify the opportunities and challenges arising from its implementation. The research method used is a qualitative literature review by analyzing secondary data from journals and official reports published between 2019 and 2024. The findings indicate that digital transformation plays a vital role in improving efficiency, transparency, and financial inclusion through technologies such as FinTech, Blockchain, Big Data, and Artificial Intelligence. Nevertheless, significant challenges such as low digital literacy, sharia compliance issues, and inadequate regulatory frameworks remain. This research contributes to strengthening the literature on integrating digital innovation and maqashid alshariah principles to support the sustainability of Islamic finance in the digital era.
Inovasi dan Penguatan Ekosistem Fintech Syariah di Indonesia: Studi Kasus Crowdfunding dan P2P Lending Syariah di Indonesia Khairunnisa Ibrahim, Elvira; Albahi, Muhammad; Andrini, Rozi
OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah Vol. 6 No. 2 (2025): OIKONOMIKA: Jurnal Kajian Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Digital transformation has driven significant growth in Indonesia’s Islamic finance industry. Through innovations in financial technology (fintech), Sharia-based financial services have become more inclusive, efficient, and transparent. This study aims to analyze the forms of Sharia financial product innovations based on fintech, particularly in the models of crowdfunding and Sharia peer-to-peer (P2P) lending, as well as to identify the challenges and strategies for strengthening its ecosystem. The research employs a literature review method with a descriptive-comparative approach, drawing from various academic publications, reports from the Financial Services Authority (OJK), and data from the Indonesian Sharia Fintech Association (AFSI). The findings show that Sharia fintech plays a strategic role in expanding access to halal financing for MSMEs through mechanisms such as mudharabah, musyarakah, and qardh hasan. However, challenges remain in the form of low Islamic financial literacy, limited regulations and human resources, and weak public trust in fund management transparency. Strengthening strategies required include regulatory harmonization and contract standardization, enhancement of Sharia digital literacy, technological innovation through blockchain and smart contracts, and cross-sector collaboration among regulators, academics, and industry players. With the implementation of these strategies, Indonesia’s Sharia fintech ecosystem has the potential to become an inclusive, equitable, and sustainable Islamic financial model aligned with the values of maqāṣid al-sharī‘ah.
Pengembangan Manajemen SDM Kewirausahaan Berbasis Potensi Lokal di Kecamatan Medan Sunggal Alfahmi, Muhammad; Albahi, Muhammad
Jurnal Pengabdian Mitra Masyarakat Vol 5, No 1 (2025): Edisi September
Publisher : Universitas Islam Sumatear Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30743/jurpammas.v5i1.12651

Abstract

Penelitian ini bertujuan untuk menganalisis pengembangan manajemen sumber daya manusia (SDM) kewirausahaan berbasis potensi lokal di Kecamatan Medan Sunggal. Penelitian menggunakan pendekatan kualitatif dengan desain deskriptif. Pengumpulan data dilakukan melalui wawancara mendalam, observasi lapangan, dan dokumentasi terhadap pelaku usaha mikro dan kecil, tenaga kerja, serta pemangku kepentingan terkait. Hasil penelitian menunjukkan bahwa pengelolaan SDM kewirausahaan masih bersifat sederhana dan belum terstruktur, terutama pada aspek perencanaan, pengorganisasian, dan evaluasi kinerja. Pengembangan kompetensi SDM belum dilakukan secara berkelanjutan, meskipun potensi lokal seperti keterampilan masyarakat, bahan baku, dan jaringan sosial telah dimanfaatkan dalam kegiatan usaha. Motivasi kerja SDM tergolong tinggi, namun belum didukung sistem penilaian kinerja yang terukur. Dukungan pemangku kepentingan sudah ada, tetapi belum optimal dan merata. Penelitian ini menegaskan pentingnya penguatan manajemen SDM kewirausahaan berbasis potensi lokal melalui perencanaan yang sistematis dan kolaborasi lintas sektor..
Analisis Kedudukan dan Peran Otoritas Jasa Keuangan (OJK) dalam Pengawasan dan Regulasi Sistem Perbankan Syariah di Indonesia Hanif, Khairul; Albahi, Muhammad; Andrini, Rozi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i1.10377

Abstract

This study analyzes the position and role of the Financial Services Authority (OJK) in supervising and regulating the Indonesian Islamic banking system. This research uses a descriptive qualitative approach with library research methods. The study examines laws, OJK regulations, and scientific literature on Islamic financial supervision. This analysis highlights the OJK's dual function as a regulator and supervisor in maintaining sharia compliance, financial stability, and governance in Islamic banks. The findings reveal that the OJK holds a strategic position as an independent authority based on Law No. 21 of 2011 and Law No. 4 of 2023 concerning the Development and Strengthening of the Financial Sector. OJK's on-site and off-site supervision ensures transparency, risk management, and compliance with sharia principles. Challenges include limited human resources with dual expertise, weak harmonization with the National Sharia Council (DSN-MUI), and low public literacy. This study concludes that strengthening the role of the OJK requires increased institutional coordination, capacity building, and integration of maqasid al-shari’ah principles to ensure sustainable development of Islamic finance.
Co-Authors Abdullah, Siti Intan Nurdiana Wong Adelina, Siti Aisyah ahmad arifin Alhalimi, Kamila amrin Ananda, Lili Pernata Andri Soemitra ANDRINI, ROZI Annisa, Resti Arif Rahman Aslati Aslati Asyrofi, Muhammad Zuhdi Azis, Fahnur Damanik, Khairuddin Despileny, Iren Dwi, Septy Rahma Fachry Abda El Rahman Fadilah, Khairul Fauziah, Wiwin Ichsan, Atikah Nurul Ilham, M Jannah, Nisa Zahratul Julika, Leny Kartika, Meri Khairul Hanif, Khairul Khairunnisa Ibrahim, Elvira Lesmita, Febria Lubis, Nurhayati Mahyarni - Masri, Rahmi Vivri Meili Mahera, Rofiqo Miftahurrazak, Muhammad Muhammad Alfahmi Nawir Yuslem, Nawir Nisaa, Khairun Noor, Mohd Rahman Rahman Sari, Winda Novita Selvia, Dinda Silawati Silawati Sitompul, Silvia Sari Sofia Hardani Subarkah, Dea Putriana Susanti, Elsa SUZANA, SUZANA