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All Journal Socius: Social Sciences Research Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Ecoducation
Firmanda, Muhammad Esza Maulana
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences

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Analisis Kebijakan Perlindungan Nasabah Pada Bank Digital Syariah di Indonesia Firmanda, Muhammad Esza Maulana; Efendi, Taufik Kukuh; Alfarisy, Fathor Rozy; Javantara, Alfado Chievo; Indrarini, Rachma
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 2, No 4 (2024): November
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.13998659

Abstract

This study analyzes customer protection policies in Islamic digital banks in Indonesia within the framework of Islamic economics. The research focuses on evaluating the effectiveness of policies implemented to protect customers, particularly in the areas of personal data security, information transparency, and dispute resolution mechanisms. Using a literature review method, the study finds that most Islamic digital banks in Indonesia have implemented protective measures, including data encryption technology, provision of product information, and customer complaint systems. However, challenges remain, such as limited customer understanding of Islamic terminology and the need for improved efficiency in complaint resolution. This study recommends enhancements in data security education, simplification of language, and utilization of technology in customer service. The findings are expected to assist Islamic digital banks in improving the quality of customer protection and strengthening trust in Islamic digital banking services that align with Sharia principles.
Pengelolaan Keuangan Keluarga untuk Membangun Ketahanan Keluarga Muslim: Tinjauan dalam Perspektif Ekonomi Islam Isnani, Sofi Putri; Harnum, Mutiara Puspita; Efendi, Taufik Kukuh; Alfarisy, Fathor Rozy; Firmanda, Muhammad Esza Maulana; Munir, Maryam Bte Badrul
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i1.5683

Abstract

Poverty in Indonesia is a complex problem for the government which is caused by low income levels that lead to economic vulnerability for families. Many Indonesians, who are predominantly Muslim, tend to underestimate household financial management. This study aims to provide an understanding of financial literacy from an Islamic economic perspective, focusing on the financial management of Muslim families to build strong economic resilience and maintain family welfare. This research method is qualitative literature-based research. The study's results show that the financial management of Muslim families is based on the concept of maqashid sharia and avoid elements of usury, maysir, and gharar to achieve both worldly and spiritual well-being. Islamic principles such as mudharabah, musyarakah, ijarah, qardhul hasan, wakalah, and kafalah can be applied to achieve maqashid sharia. Additionally, the Sakinah Finance model can stabilize the finances of Muslim households. The main challenges in family financial management include a lack of transparency and poor communication between family members. Therefore, family asset management can be implemented by maintaining balanced budget allocations, such as for income, needs, desires, education, inheritance, grants, endowments, and emergency funds.
Faktor-Faktor Yang Mempengaruhi Profitabilitas Bank Umum Syariah di Indonesia (Meta-Analisis): Factors Influencing the Profitability of Islamic Commercial Banks in Indonesia (Meta-Analysis) Firmanda, Muhammad Esza Maulana; Canggih, Clarashinta
Economic and Education Journal (Ecoducation) Vol. 7 No. 2 (2025): Economic and Education Journal (Ecoducation)
Publisher : Pendidikan Ekonomi, Universitas Insan Budi Utomo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33503/ecoducation.v7i2.1700

Abstract

Penelitian berfokus mengeksplorasi faktor-faktor yang memengaruhi profitabilitas Bank Umum Syariah di Indonesia melalui pendekatan meta-analisis. Studi ini didorong oleh adanya inkonsistensi temuan dalam penelitian-penelitian sebelumnya terkait pengaruh berbagai faktor terhadap profitabilitas, sehingga metode meta-analisis digunakan untuk mengungkap variabilitas nyata antar perbedaan hasil tersebut. Analisis mencakup faktor internal berupa rasio keuangan Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), dan Capital Adequacy Ratio (CAR), serta faktor eksternal berupa indikator makroekonomi seperti Produk Domestik Bruto (PDB), inflasi, nilai tukar, dan suku bunga BI (BI Rate). Hasil penelitian menunjukkan FDR, NPF, CAR, dan PDB memiliki pengaruh yang signifikan secara statistik terhadap profitabilitas Bank Umum Syariah, dengan tingkat pengaruh yang berbeda-beda. FDR dan NPF menunjukkan pengaruh yang signifikan namun rendah, sedangkan CAR memiliki berpengaruh signifikan dengan efek moderat. PDB juga menunjukkan pengaruh signifikan dengan efek rendah. Sebaliknya, inflasi, nilai tukar, dan BI Rate tidak menunjukkan hubungan yang signifikan dengan profitabilitas
Pengelolaan Keuangan Keluarga untuk Membangun Ketahanan Keluarga Muslim: Tinjauan dalam Perspektif Ekonomi Islam Isnani, Sofi Putri; Harnum, Mutiara Puspita; Efendi, Taufik Kukuh; Alfarisy, Fathor Rozy; Firmanda, Muhammad Esza Maulana; Munir, Maryam Bte Badrul
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i1.5683

Abstract

Poverty in Indonesia is a complex problem for the government which is caused by low income levels that lead to economic vulnerability for families. Many Indonesians, who are predominantly Muslim, tend to underestimate household financial management. This study aims to provide an understanding of financial literacy from an Islamic economic perspective, focusing on the financial management of Muslim families to build strong economic resilience and maintain family welfare. This research method is qualitative literature-based research. The study's results show that the financial management of Muslim families is based on the concept of maqashid sharia and avoid elements of usury, maysir, and gharar to achieve both worldly and spiritual well-being. Islamic principles such as mudharabah, musyarakah, ijarah, qardhul hasan, wakalah, and kafalah can be applied to achieve maqashid sharia. Additionally, the Sakinah Finance model can stabilize the finances of Muslim households. The main challenges in family financial management include a lack of transparency and poor communication between family members. Therefore, family asset management can be implemented by maintaining balanced budget allocations, such as for income, needs, desires, education, inheritance, grants, endowments, and emergency funds.
Co-Authors Alfarisy, Fathor Rozy Clarashinta Canggih Efendi, Taufik Kukuh Harnum, Mutiara Puspita Isnani, Sofi Putri Javantara, Alfado Chievo Munir, Maryam Bte Badrul Rachma Indrarini