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All Journal Jurnal Bisnis, Ekonomi Syariah dan Pajak Jurnal Manajemen Bisnis Digital Terkini Merkurius: Jurnal Riset Sistem Informasi dan Teknik Informatika
Nurul Monika Larasati
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Meningkatkan Kepatuhan Syariah dalam Perbankan Syariah di Indonesia: Penyimpangan, Tantangan, dan Upaya Perbaikan Nurul Monika Larasati; Rayyan Firdaus
Jurnal Bisnis, Ekonomi Syariah, dan Pajak Vol. 1 No. 4 (2024): Desember : Jurnal Bisnis, Ekonomi Syariah, dan Pajak (JBEP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jbep.v1i4.623

Abstract

Islamic banking in Indonesia has experienced significant growth alongside increasing public interest in financial products that comply with Islamic principles. However, in practice, there are still challenges that prevent Islamic banking products and services from fully meeting Sharia standards. Some of the issues include the use of wadiah contracts in current accounts, which deviate from their original concept of safekeeping; the application of murabahah contracts for financing consumptive goods, which contradicts their intended purpose; the frequent misuse of ijarah muntahia bit tamlik (IMBT) contracts for speculative purposes; and mudharabah contracts with unfair profit-sharing ratios. Additionally, factors such as a lack of understanding of Islamic finance, competitive pressure from conventional banks, inadequate supervision, and differing interpretations of Sharia law further hinder the implementation of fully Sharia-compliant products and services. To resolve these challenges, various efforts are needed, including enhancing the quality of human resources through education and training, implementing stricter supervision by relevant authorities, developing clearer and more comprehensive operational standards, and fostering closer collaboration with Islamic scholars for accurate legal guidance. These steps are expected to help Islamic banking fully adhere to Sharia principles, increase public trust, and support the growth of the Islamic finance industry.
Analisis Kinerja dan Strategi Pengelolaan Portofolio Saham Syariah di Indonesia : Kajian Literatur 2019–2024 Muammar Khaddafi; Nurul Monika Larasati; Mega Yuwanda; Trie Yolanda Sari
Jurnal Manajemen Bisnis Digital Terkini Vol. 2 No. 3 (2025): Juli : Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumbidter.v2i3.688

Abstract

Indonesia’s Islamic capital market has experienced remarkable growth in recent years, evidenced by the increasing number of investors and the rising market capitalization of Sharia-compliant stocks. This article aims to analyze the performance and management strategies of Sharia stock portfolios by reviewing academic literature published in Indonesia between 2019 and 2024. Utilizing a literature review methodology, the study compares the return and risk characteristics of Sharia stocks with those of conventional stocks. It also evaluates the applicability and effectiveness of classical portfolio theories—namely, the Markowitz Model and the Single Index Model—in managing Sharia-compliant investments. The findings reveal that Sharia stock portfolios often perform competitively and tend to exhibit greater resilience and stability during financial crises. This resilience is attributed in part to the rigorous stock screening mechanisms that comply with Islamic principles, excluding sectors and companies that do not meet Sharia criteria. Additionally, various macroeconomic factors such as inflation, interest rates, exchange rates, and global economic fluctuations are found to impact the performance of Islamic stock portfolios. The article highlights that while Sharia investments align with ethical and religious values, they also offer practical advantages in risk management and diversification. Furthermore, digital technology and fintech innovation are seen as essential tools to enhance transparency, accessibility, and investor engagement in the Islamic capital market. The study concludes that the development of Sharia-compliant stock investments in Indonesia holds promising potential, especially if accompanied by improved financial literacy, inclusive investor education, and stronger technological infrastructure. This paper offers valuable insights for policymakers, market regulators, and investors interested in promoting sustainable and faith-based financial practices within Indonesia’s rapidly evolving capital market ecosystem.
Analisis Bahaya Serangan Ransomeware Terhadap Layanan Perbankan Nurul Monika Larasati; Rayyan Firdaus
Merkurius : Jurnal Riset Sistem Informasi dan Teknik Informatika Vol. 2 No. 4 (2024): Juli: Merkurius: Jurnal Riset Sistem Informasi dan Teknik Informatika
Publisher : Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/merkurius.v2i4.151

Abstract

In the ever-growing digital era, banking services also continue to develop and become important for both individuals and businesses to carry out financial transactions quickly and easily. With these technological advances, serious concerns have arisen regarding the security of banking service data. Ransomware is a type of malicious program or malware that threatens to destroy or block access to important data or systems until a ransom is paid by the victim. Ransomware can infect computers in various ways, for example through attached files that the victim downloads, or attacking software directly by looking for vulnerable loopholes. Ransomware attacks have caused many losses, especially in the banking sector, both in terms of financial and customer data security. Protection of banking services from cyber attacks is very important. Proactive prevention efforts, early detection, quick response, application of appropriate technology and implementation of strong data security policies are crucial elements in maintaining the integrity and security of financial transactions. Therefore, it is very important for banking services to understand ransomware attacks and the dangers of ransomware by strengthening computer data security. The research method used is descriptive qualitative research using the literature study method.
Co-Authors Mega Yuwanda Muammar Khaddafi Rayyan Firdaus Trie Yolanda Sari