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All Journal Jurnal Hukum Ekonomi Syariah : AICONOMIA Musyarakah: Journal of Sharia Economics (MJSE) Amal: Jurnal Ekonomi Syariah Al-Iqtishad: Jurnal Ekonomi Syariah
Aminin, Rista Izza
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Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Analisis Implementasi Teknologi Blockchain dalam Meningkatkan Transparansi, Efisiensi, dan Keamanan Transaksi Keuangan Perbankan Syariah Indonesia Aminin, Rista Izza
Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 3 No. 2 (2024): Jurnal Hukum Ekonomi Syariah : AICONOMIA
Publisher : Fakultas Syariah IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/acm.v3i2.4575

Abstract

Implementing blockchain technology in the Islamic finance sector, particularly in Islamic banking in Indonesia, holds significant potential to enhance transparency, efficiency, and security in transactions. However, its application still requires further research to ensure compliance with Islamic law principles. This study aims to analyze blockchain implementation in improving transparency, efficiency, and security in Islamic banking transactions while ensuring alignment with Sharia principles. A qualitative approach with a literature review is used, examining relevant sources on blockchain applications in the Islamic banking sector. The data for this study is gathered from scholarly articles, books, and related documents. The findings suggest that blockchain can improve transparency, reduce intermediaries, accelerate transactions, and enhance security. However, the primary challenge lies in adapting to Sharia regulations, which requires collaboration between regulators, financial institutions, and technology experts. Strengthening regulations and gaining a deeper understanding of this technology will support wider adoption in the Islamic banking sector.
Analisis Kesesuaian Pencatatan dan Pengakuan Akuntansi Produk Layanan Emas Terhadap PSAK 102 dan PSAK 107 (Studi Pada BSI KCP Surabaya Rungkut 1) Aminin, Rista Izza; Nurul Aulia Herlina Angganita; Toyyibatus Samsiah; Siti Nur Azizah; Hafidz Akmal khoirony
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 1 (2025): Juni
Publisher : IAIN Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i1.9892

Abstract

Pertumbuhan signifikan pada sektor perbankan syariah di Indonesia tercermin dari meningkatnya minat masyarakat terhadap produk layanan emas. Kenaikan harga emas yang mencapai hampir Rp2.000.000 per gram pada awal 2025 dipengaruhi oleh ketidakpastian ekonomi global, termasuk kebijakan tarif dari Presiden Amerika Serikat Donald Trump dan eskalasi konflik dagang antara Amerika Serikat dan Tiongkok. Kondisi ini mendorong pertumbuhan pesat produk emas di perbankan syariah, seperti yang terjadi pada PT Bank Syariah Indonesia Tbk (BSI), yang mencatat kenaikan nilai sebesar 81,99% pada Maret 2025. Penelitian ini bertujuan menganalisis kesesuaian pencatatan dan pengakuan akuntansi produk Cicil Emas dan Gadai Emas di BSI KCP Surabaya Rungkut 1 berdasarkan PSAK 102 dan PSAK 107. Metode yang digunakan adalah pendekatan kualitatif deskriptif dengan pengumpulan data primer melalui wawancara terstruktur dan data sekunder dari dokumen pendukung. Hasil penelitian menunjukkan pencatatan produk Cicil Emas sesuai dengan PSAK 102, sedangkan Gadai Emas sesuai dengan PSAK 107. BSI KCP Surabaya Rungkut 1 secara konsisten menerapkan standar akuntansi syariah pada kedua produk tersebut, mencerminkan komitmen dalam menjaga transparansi, akuntabilitas, serta kepatuhan terhadap prinsip-prinsip syariah.
ANALISIS PRINSIP 5C PADA PEMBIAYAAN KUR SEBAGAI UPAYA MEMINIMALISIR PEMBIAYAAN BERMASALAH (STUDI KASUS BSI KCP SURABAYA RUNGKUT 1) Aminin, Rista Izza; Toyyibatus Samsiah; Nurul Aulia Herlina Angganita; Siti Nur Azizah; Hafidz Akmal Khoirony; Muhammad Iqbal Surya Pratikto
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 6 No. 02 (2025): Januari-Juni 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v6i2.1094

Abstract

Indonesia's stable economic growth opens opportunities for people to access financing, especially through the KUR program that supports the Micro, Small and Medium Enterprises (MSMEs) sector. Bank Syariah Indonesia, as one of the largest Islamic banks, also provides KUR services to support the growth of MSMEs. However, behind the ease of access to financing, the risk of non-performing financing remains a challenge that must be anticipated. This research aims to analyze the application of the 5C principles in the KUR financing process at BSI KCP Surabaya Rungkut 1 and the extent to which these principles are effective in minimizing the risk of non-performing financing. The research method used is descriptive qualitative with primary data from in-depth interviews and secondary data from KUR financing documents, scientific literature, journals, and relevant previous research. The results showed that BSI KCP Surabaya Rungkut 1 applies the 5C principle thoroughly, including character, capacity, capital, collateral, and condition of economy as a reference in assessing customer eligibility. In addition, the post-disbursement monitoring process is carried out regularly through account monitoring and direct visits to business locations. The consistent application of the 5C principles has proven to help banks reduce the risk of non-performing financing while maintaining the quality of the KUR financing portfolio at BSI KCP Surabaya Rungkut 1.
Analisis Peran Green Sukuk dalam Pembiayaan Sektor Renewable Energy di Indonesia untuk Mendukung Pencapaian Net Zero Emission Aminin, Rista Izza; Khayati , Ismatul
Musyarakah: Journal of Sharia Economic (MJSE) Vol 5, No 2 (2025): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v5i2.12422

Abstract

Indonesia faces significant challenges in reducing carbon emissions from the energy sector while accelerating renewable energy development. To achieve the Net Zero Emission (NZE) target, innovative financing instruments are essential to mobilize large-scale sustainable investment. One such instrument is the Green Sukuk, which reflects the integration of Islamic finance and environmental objectives. This study aims to analyze the role of Green Sukuk in financing Indonesia’s renewable energy sector. Using a qualitative descriptive-analytical method, the research examines official documents and publications related to Green Sukuk during 2018–2023. The analysis focuses on issuance trends, mobilized funds, and their contribution to carbon emission reduction. The findings reveal that Green Sukuk mobilized USD 9.527 million and contributed to a reduction of 5,487,041 tons emissions in 2018–2022, equivalent to 0.46% of the 2030 NDC energy sector target. The findings affirm the strategic role of Green Sukuk as an effective Islamic finance instrument in advancing Indonesia’s clean energy transition. Nevertheless, its potential remains underutilized and requires further optimization through enhanced market literacy, strengthened institutional capacity, and broader outreach to investors and the wider public. Keywords: Green Sukuk, Renewable Energy, Net Zero Emission, Sharia Financing
Co-Authors Hafidz Akmal khoirony Khayati , Ismatul Nurul Aulia Herlina Angganita Pratikto, Muhammad Iqbal Surya Siti Nur Azizah Toyyibatus Samsiah