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All Journal Jurnal Hukum Ekonomi Syariah JIFTECH: Journal Of Islamic Financial Technology
Alfian, Ian ian
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Economics, Econometrics & Finance

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Al-‘Urf dan Al-‘Adah: Relevansi dan Tantangannya dalam Pembentukan Hukum Ekonomi Islam Alfian, Ian ian; Nurhayati, Nurhayati; Anggraini, Tuti; Riyansyah, Ahmad
Jurnal Hukum Ekonomi Syariah Vol 8, No 2 (2024): Desember 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/j-hes.v8i2.16326

Abstract

This research discusses the relevance and challenges of al-‘Urf and al-‘Adah in the context of rapid fintech development and globalization. Al-‘Urf, the commonly accepted customs within society, and al-‘Adah, local traditional practices, serve as secondary sources of law in Islam that provide flexibility in adapting Sharia law to social and economic changes. The advancement of technology and globalization has created new dynamics in economic practices that do not always align with classical Islamic law. Challenges such as cashless transactions, peer-to-peer lending, and digital investments often require new assessments through the principles of al-‘Urf and al-‘Adah to remain by Sharia. This research uses a qualitative approach through interviews and literature studies to identify the relevance, challenges, and solutions for applying al-‘Urf and al-‘Adah in the digital context. The research findings indicate cross-sector collaboration between scholars, academics, and business practitioners is necessary to establish adaptive Sharia standards. By recognizing new practices that do not contradict Islamic principles, al-‘Urf and al-‘Adah have the potential to strengthen justice and ethics in fintech transactions, as well as support the sustainability of the sharia economy in the global era.
The Influence of Knowledge and Security on The Decision To Use GPN Debit Cards Alfian, Ian Ian; Binti Abu Hasan, Nurul Widad
Journal of Islamic Financial Technology Vol 2, No 1 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i1.8440

Abstract

The purpose of this study is to determine the influence of knowledge and security on the decision to use GPN debit cards for students of the Sharia Banking Study Program IAIN Padangsidimpuan. The discussion of this research is related to the field of marketing management science so the approach taken is theories related to knowing product safety. The type of research used is quantitative field research. The sample used in this study was 92 respondents. Sampling techniques using purposive samples, and data collection techniques used are interviews, documentation, and questionnaires. The analysis used is a validity test, reliability test, basic assumption test (normality test), classical assumption test (multicollinearity test and heteroskedasticity test), multiple linear regression test, hypothesis test, namely coefficient of determination (R Square), partial test (t test), simultaneous test (F test) and using SPSS software version 26.The results showed that knowledge variables had a positive and insignificant effect on the decision to use GPN debit cards in terms of t calculate t table (1.489 1.66216). Security variables have a positive and significant effect on the decision to use GPN debit cards as seen from the t table (6.807 1.66216). There is a positive influence of knowledge and security on the decision to use GPN debit cards indicated by the value of Fcalculate Ftable (119.064 2.36). The coefficient of determination (R2) shows that knowledge and security variables influence the decision variable to use GPN debit cards by 72% and the remaining 28% is explained by other variables not studied in this study.
Effectiveness of Digital Sharia Pawnshop Services in Increasing The Number of Customers Pegadaian Syariah Alfian, Ian Ian; Siregar, Erpiana
Journal of Islamic Financial Technology Vol 2, No 2 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i2.11040

Abstract

Technology continues to develop, this is proven by technological advances in the form of applications and online transactions. However, not all technology provides convenience and has a positive impact on its users if not handled properly. Therefore, this thesis aims to reveal the effectiveness of the online services provided by Pegadaian Syariah Siringo-ringo through the Pegadaian Syariah Digital Service (PSDS) Application Service in increasing the number of customers. The background to the problem in this research is that errors often occur in applications and services that do not comply with procedures. The data collection method uses qualitative methods with observation, interviews and documentation.The research results show that this application is largely operating according to its intended use, although it is not yet fully effective in facilitating transactions. This application is not really effective in increasing the number of customers because customers still have minimal knowledge regarding the function of this application. Then the increase in the number of customers did not increase too much, but there continued to be an increase every year, be it gold savings customers, pawnshops, etc.
Co-Authors Ahmad Riyansyah, Ahmad Binti Abu Hasan, Nurul Widad Nurhayati Nurhayati Siregar, Erpiana Tuti Anggraini