Article Per Year (5 Year)
p-Index From 2020 - 2025
0.817
P-Index
This Author published in this journals
All Journal Jurnal Tabarru': Islamic Banking and Finance Socius: Social Sciences Research Journal Adpebi International Journal of Multidisciplinary Sciences Media Hukum Indonesia (MHI)
Sapa, Nasrullah
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice

Published : 4 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 4 Documents
Search

 1 
Effect of Non Performing Financing and Operating Expenses of Operating Income on Profitability of Islamic Commercial Banks Sapa, Nasrullah; Sudirman; Awaluddin, Muhammad
Adpebi International Journal of Multidisciplinary Sciences Vol. 1 No. 1 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijms.v1i1.291

Abstract

This study aims to determine the effect of Non-Performing Financing and Operating Expenses on Operating Income on the Profitability of Islamic Commercial Banks in Indonesia. This type of research uses quantitative research. The population used in this study were all Islamic Commercial Banks in Indonesia registered with the Financial Services Authority from 2016 - 2020, which amounted to 14 Islamic Commercial Banks. The sampling technique in this study used a purposive sampling method with a sample of six banks, namely Bank Muamalat Indonesia, Bank Mandiri Syariah, BNI Syariah, BRI Syariah, Bank Bukopin Syariah, and BCA Syariah. The data collection method used in this research is a library study in the form of document searches related to all aspects studied. And this study uses the Classical Assumption Test, Multiple Linear Regression, and Hypothesis Testing.
FINTECH KEUANGAN SYARIAH DALAM PRESPEKTIF SHARIA COMPLAINCE Wahyuni, Sri; Sapa, Nasrullah; Haddade, Abdul Wahid
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 2 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(2).18025

Abstract

Fintech, atau teknologi finansial, telah mengubah cara layanan keuangan disediakan, menawarkan inovasi yang signifikan dalam efisiensi, aksesibilitas, dan keterjangkauan. Dalam konteks keuangan Islam, fintech menawarkan potensi besar untuk memperluas inklusi keuangan dan menyediakan solusi keuangan yang sesuai dengan prinsip-prinsip syariah. Kepatuhan syariah mengharuskan setiap produk dan layanan keuangan untuk menghindari riba (bunga), gharar (ketidakpastian), dan maisir (perjudian), serta mempromosikan keadilan, transparansi, dan aktivitas ekonomi yang produktif. Penelitian ini meninjau literatur terkini mengenai integrasi fintech dalam keuangan Islam, mengidentifikasi peluang dan tantangan yang dihadapi. Studi kasus dari berbagai platform fintech yang patuh syariah, seperti EthisCrowd, Wahed Invest, dan Blossom Finance, menunjukkan bagaimana teknologi dapat digunakan untuk menyediakan layanan keuangan yang etis dan inklusif. Penelitian ini juga menyoroti pentingnya regulasi dan pengawasan yang efektif untuk memastikan kepatuhan syariah, serta perlunya edukasi dan literasi keuangan di kalangan pengguna. Hasil penelitian menunjukkan bahwa fintech yang mematuhi syariah tidak hanya mampu meningkatkan inklusi keuangan tetapi juga mendukung tujuan keadilan sosial dan ekonomi dalam Islam. Namun, keberhasilan implementasi fintech syariah bergantung pada kolaborasi antara regulator, ulama, dan penyedia layanan fintech untuk menciptakan ekosistem yang kondusif. Dengan memanfaatkan potensi teknologi dan mematuhi prinsip-prinsip syariah, fintech dapat memainkan peran penting dalam membangun sistem keuangan Islam yang lebih adil, transparan, dan berkelanjutan.
Model Integratif Perlindungan Konsumen Berbasis Maqāṣid Syariah di Indonesia R, Randy; H, Herianti; Masse, Rahman Ambo; Sapa, Nasrullah
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 1 (2025): Agustus
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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

Abstract

This study discusses the legal aspects of consumer protection from the perspective of Islamic economic law in Indonesia. Consumer rights protection is increasingly complex due to the rise of digital transactions and the growing halal industry. Although consumer protection is regulated under Law No. 8 of 1999, it does not fully reflect the core principles of fiqh muamalah, such as justice, transparency, and the avoidance of gharar. This research employs a normative juridical approach using both statute and conceptual methods to examine the relationship between positive law and Islamic principles. The findings indicate a gap between current regulations and sharia values, emphasizing the need for regulatory harmonization. In conclusion, consumer protection in Islamic economic law should align with maqashid sharia and promote ethics-based supervision through institutional reinforcement.
Aspek Hukum Pembiayaan Ijarah dan IMBT Antara Fikih dan PenerapanPerbankan Muhamad, Mar’ie; Fitri, Nurul Amalia; Masse, Rahman Ambo; Sapa, Nasrullah
Media Hukum Indonesia (MHI) Vol 3, No 2 (2025): June
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.16033408

Abstract

This study examines the legal aspects of the Ijarah and Ijarah Muntahiyah Bit Tamlik (IMBT) contracts, two commonly used instruments in asset-based Islamic financing. The Ijarah contract refers to a lease agreement for the use of goods or services in exchange for a specified payment, while IMBT is an extended form of Ijarah that concludes with the transfer of asset ownership to the lessee at the end of the lease term. The objective of this research is to analyze the conformity of these contracts with Islamic legal principles (fiqh muamalah) and their implementation within Indonesia’s positive legal framework, including regulations issued by the Financial Services Authority (OJK) and the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). This study employs a normative-juridical approach by analyzing fatwas, statutory regulations, and case studies on the application of Ijarah and IMBT contracts in Islamic financial institutions. The findings reveal that although both contracts have gained legitimacy under Sharia and national law, challenges remain in their practical implementation, regulatory supervision, and legal certainty. The study recommends enhanced awareness of Islamic legal principles, regulatory harmonization, and strengthened oversight mechanisms in the execution of Ijarah and IMBT contracts.
Co-Authors Fitri, Nurul Amalia H, Herianti Haddade, Abdul Wahid Muhamad, Mar’ie Muhammad Awaluddin, Muhammad R, Randy Rahman Ambo Masse Sri Wahyuni Sudirman