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AKSESIBILITAS PEMBAYARAN BITCOIN DALAM PERSPEKTIF FIQH EKONOMI Erizal Candra Efendi; Wildan Hadi; Robi Harjoni Putra; Al Aziz; Hulwati; Duhriah
Jurnal Ekonomi dan Bisnis Vol. 2 No. 12 (2024): Desember
Publisher : ADISAM PUBLISHER

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This study examines the potential of Bitcoin as a payment tool that aligns with Islamic principles in the context of economic fiqh. Bitcoin, as a form of cryptocurrency, offers innovation in the global payment system, particularly for individuals and businesses in developing countries who are marginalized from traditional financial services. With its decentralized nature, Bitcoin can enhance payment accessibility and support financial inclusion. However, challenges such as price volatility, lack of clear regulations, and low financial literacy remain significant barriers to its adoption. This research uses a literature review method to explore how Bitcoin can function as a legitimate alternative in financial transactions, as well as to identify the existing challenges and opportunities. The findings show that while Bitcoin has great potential, comprehensive regulatory development and improved financial literacy are needed to maximize its effective use. This study contributes to the development of economic fiqh and the digital financial sector, and paves the way for policies that support the growth of Bitcoin as a beneficial payment tool for society, especially in areas with limited access to formal banking systems.

The Role of Sharia Crowdfunding in Poverty Reduction in Indonesia Erizal Candra Efendi; Rozalinda; Nora Zulvianti
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v6i4.5797

Poverty in Indonesia is still a significant problem with many people living below the poverty line. This study aims to analyze the role of sharia crowdfunding in reducing poverty by providing access to capital for micro and small businesses that are not accessible to conventional financial institutions. The research method used is a literature study, where secondary data is collected from various journals, articles, and publications related to sharia crowdfunding and poverty in Indonesia. The results of the study show that sharia crowdfunding platforms, such as Kitabisa.com, have succeeded in raising significant funds that contribute to poverty reduction by expanding access to funding and creating social solidarity in the community. However, challenges such as dependence on aid and verification of beneficiaries still need to be overcome so that the impact is more optimal. In conclusion, sharia crowdfunding has proven effective in helping to reduce poverty and strengthen the sharia economy in Indonesia, although improvements are needed in several aspects of its implementation.

Optimalisasi Teknologi Financial Intelligence dalam Deteksi dan Pencegahan Fraud di Fintech Syariah Erizal Candra Efendi; Irwandi Jaswir; Ahmad Wira; Aidil Novia
Istithmar Vol. 9 No. 1 (2025): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/istithmar.v9i1.1997

Fintech syariah telah menjadi solusi inovatif dalam menyediakan layanan keuangan berbasis syariah, namun tantangan terkait fraud masih menjadi perhatian utama. Artikel ini bertujuan untuk mengeksplorasi optimalisasi teknologi Financial Intelligence (FI) dalam mendeteksi dan mencegah fraud di sektor fintech syariah. Melalui kajian literatur, ditemukan bahwa teknologi seperti big data, kecerdasan buatan (AI), dan pembelajaran mesin memiliki kemampuan untuk menganalisis pola transaksi secara real-time dan mendeteksi aktivitas mencurigakan yang bertentangan dengan prinsip syariah. Meskipun demikian, implementasi teknologi FI menghadapi kendala, seperti kualitas data yang rendah, keterbatasan literasi digital pengguna, kompleksitas penyesuaian algoritma dengan prinsip syariah, serta kurangnya regulasi yang memadai. Penelitian ini menggunakan metode studi kepustakaan untuk menganalisis literatur relevan dari berbagai jurnal, buku, dan laporan terkait. Hasil penelitian menunjukkan bahwa FI memiliki potensi signifikan dalam menciptakan ekosistem fintech syariah yang aman dan sesuai syariah, asalkan kendala diatasi melalui kolaborasi multidisiplin dan penguatan regulasi.

OPTIMIZATION OF THE COOPERATIVE INTEGRATED READING AND COMPOSITION (CIRC) MODEL TO IMPROVE READING COMPREHENSION AND NARRATIVE TEXT WRITING SKILLS IN INDONESIAN LANGUAGE SUBJECTS IN GRADE III STUDENTS OF SD NEGERI 09 LUBUK ALUNG Erizal Candra Efendi; Juli Yani
Akrab Juara : Jurnal Ilmu-ilmu Sosial Vol. 10 No. 1 (2025): Februari
Publisher : Yayasan Azam Kemajuan Rantau Anak Bengkalis

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The ability to understand reading and write narrative texts is an important aspect in learning Indonesian at the elementary school level. However, the results of observations in class III of SD Negeri 09 Lubuk Alung showed that most students still had difficulty in understanding the contents of the text and composing stories coherently. This is due to the learning method which is still conventional and does not involve students actively. The purpose of this study was to improve students' reading comprehension and narrative text writing skills through the application of the Cooperative Integrated Reading and Composition (CIRC) model. This study is a Classroom Action Research (CAR) which was carried out in two cycles. Each cycle consists of the stages of planning, implementing actions, observation, and reflection. The subjects of the study were 10 students of class III of SD Negeri 09 Lubuk Alung. Data collection techniques included observation, written tests, documentation of student work results, and informal interviews. The research instruments included observation sheets, reading comprehension questions, and narrative text assessment rubrics. Applying the CIRC model increased students' reading comprehension from 30% before the cycle to 90% throughout the second cycle, according to the data. Skills in composing narrative texts also rose throughout this time, going from 20% to 80%. It seemed like students were more invested in the learning process because they were more vocal in class discussions, papers, and presentations. Overall, elementary school students' reading and writing abilities have been significantly enhanced by the Cooperative Integrated Reading and Composition (CIRC) approach. Learning environments that are dynamic, engaging, and meaningful can be achieved through the use of collaborative and integrated learning strategies

The Role of Sharia Crowdfunding in Poverty Reduction in Indonesia Erizal Candra Efendi; Rozalinda; Nora Zulvianti
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v6i4.5797

Poverty in Indonesia is still a significant problem with many people living below the poverty line. This study aims to analyze the role of sharia crowdfunding in reducing poverty by providing access to capital for micro and small businesses that are not accessible to conventional financial institutions. The research method used is a literature study, where secondary data is collected from various journals, articles, and publications related to sharia crowdfunding and poverty in Indonesia. The results of the study show that sharia crowdfunding platforms, such as Kitabisa.com, have succeeded in raising significant funds that contribute to poverty reduction by expanding access to funding and creating social solidarity in the community. However, challenges such as dependence on aid and verification of beneficiaries still need to be overcome so that the impact is more optimal. In conclusion, sharia crowdfunding has proven effective in helping to reduce poverty and strengthen the sharia economy in Indonesia, although improvements are needed in several aspects of its implementation.

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