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All Journal Optimal: Jurnal Ekonomi dan Manajemen Studia Ekonomika International Journal of Business Law, Business Ethic, Business Communication & Green Economics (IJBGE)
Siti Maulizah
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Financing Implementation Murabahah in Sharia Banking: Legal Perspective No. 21 Of 2008 and Maqâsid Al-Syari'ah Seger Santoso; Eri Kusnanto; M. Reza Saputra; Hanifah Hanifah; Siti Maulizah
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 3 No. 2 (2023): Juni : Jurnal Ekonomi dan Manajemen
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v2i2.4454

Abstract

Murabahah has become a flagship product in Islamic banking in Indonesia and internationally, as evidenced by data from Bank Indonesia in 2023, which shows murabahah financing reaching IDR 380 trillion or 30.91% of total Islamic banking financing. The popularity of murabahah is supported by its fiqh scheme, which is considered to have low risk, transparency in prices and costs, fairness in payments, and compliance with sharia principles. However, implementing murabahah financing faces various challenges, including gaps in legal interpretation, regulatory inconsistencies, and a lack of understanding and education regarding the principles of maqâsid al-syarî’ah. This research uses normative legal methods to evaluate the effectiveness of murabahah implementation within Law No. 21 of 2008 and the principles of maqâsid al-syarî’ah. Through qualitative analysis of primary and secondary data, this research provides recommendations for improving legal interpretation, enhancing coordination between institutions, and educating the public to improve the quality and compliance with sharia principles in murabahah financing.
Menguji Kembali Hubungan Risiko dan Keuntungan dalam Portofolio Multifaktor: Tinjauan Literatur dan Implikasi bagi Pengelolaan Volatilitas Pasar Siti Maulizah; Mohammad Chaidir
Studia Ekonomika Vol. 23 No. 2 (2025): Juli: Studia Ekonomika
Publisher : STIE KASIH BANGSA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/studiaekonomika.v23i2.297

Abstract

Penelitian ini bertujuan untuk meninjau tantangan yang dihadapi dalam hubungan risiko-dan-keuntungan dalam portofolio multifaktor, dengan fokus pada implikasi manajemen volatilitas pasar. Melalui tinjauan literatur, penelitian ini mengidentifikasi berbagai faktor yang mempengaruhi volatilitas dan bagaimana pengelolaan volatilitas dapat meningkatkan kinerja portofolio. Hasil analisis menunjukkan bahwa meskipun portofolio multifaktor memberikan keuntungan dalam diversifikasi dan pengelolaan risiko, volatilitas pasar tetap menjadi tantangan utama dalam mencapai keseimbangan antara risiko dan keuntungan. Penelitian ini juga mengungkapkan bahwa strategi volatilitas aktif lebih unggul dibandingkan strategi pasif, tetapi memerlukan pemahaman mendalam tentang dinamika pasar. Implikasi penelitian ini memberikan wawasan bagi manajer portofolio dalam merancang strategi investasi yang lebih adaptif terhadap volatilitas pasar yang tinggi.
From AI Adoption to Social Venture Creation: A Qualitative Review of Cognitive Pathways Linking Generative AI Competencies to Digital Social Entrepreneurship Siti Maulizah; Aura Nabila
International Journal of Business Law, Business Ethic, Business Comunication & Green Economics Vol. 2 No. 4 (2025): Desember: International Journal of Business Law, Business Ethic, Business Commu
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/ijbge.v2i4.415

Abstract

This qualitative literature review examines how generative artificial intelligence (AI) competencies are cognitively transformed into digital social entrepreneurial intentions and social venture creation. Synthesizing recent interdisciplinary studies across artificial intelligence, entrepreneurial cognition, and social entrepreneurship, the review develops an integrative framework explaining the cognitive pathways linking AI adoption to social value–oriented digital entrepreneurship. Drawing on the Entrepreneurial Event Model and the Stimulus–Organism–Response perspective, the findings reveal that generative AI acts as a cognitive stimulus that enhances opportunity recognition, creative problem-solving, perceived feasibility, and perceived desirability of social ventures. The review further identifies key cognitive mechanisms through which AI competencies support ideation, opportunity evaluation, resource mobilization, and early-stage scaling of digital social enterprises. By positioning generative AI as a form of cognitive infrastructure rather than a mere technological tool, this study advances theoretical understanding of AI-enabled social entrepreneurship and offers insights for entrepreneurship education, policy design, and inclusive digital innovation ecosystems
Co-Authors Aura Nabila Fachry Abda El Rahman Hanifah Hanifah M. Reza Saputra Mohammad Chaidir