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All Journal JAMPARING: Jurnal Akuntansi Manajemen Pariwisata dan Pembelajaran Konseling Jurnal Multidisiplin Teknologi dan Arsitektur
Karimah, Uswatun
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Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Nursing Physics Social Sciences

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Digitalisasi dan Kepuasan Nasabah: Bagaimana Bank Syariah Beradaptasi di Era Society 5.0? Marisna, Diska Sendi; Karimah, Uswatun; Hendra, Joni
JAMPARING: Jurnal Akuntansi Manajemen Pariwisata dan Pembelajaran Konseling Vol 3, No 1 (2025): Februari 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jamparing.v3i1.4497

Abstract

Penelitian ini membahas tentang adaptasi bank syariah terhadap digitalisasi di era Society 5.0, dengan fokus pada bagaimana hubungan transformasi digital dengan kepuasan nasabah. Transformasi digital di bank syariah telah menjadi kunci untuk memberikan layanan yang lebih cepat, aman, dan personal, selaras dengan prinsip-prinsip syariah. Penelitian ini mengkaji aspek-aspek utama digitalisasi, yaitu keamanan dan kepatuhan syariah, tantangan serta hambatan yang dihadapi dalam proses transformasi, dan bagaimana hungannya dengan kepuasan nasabah. Hasil penelitian menunjukkan bahwa meskipun digitalisasi membawa berbagai peluang untuk meningkatkan pengalaman nasabah, bank syariah masih menghadapi tantangan seperti infrastruktur teknologi, keterbatasan tenaga ahli di bidang digital, serta regulasi yang belum sepenuhnya adaptif terhadap perubahan teknologi. Hubungan antara transformasi digital dan kepuasan nasabah diidentifikasi positif, di mana layanan yang lebih efisien dan aman cenderung meningkatkan kepuasan dan loyalitas nasabah. Studi ini menyimpulkan bahwa adaptasi digital yang berhasil, dengan tetap mempertahankan prinsip syariah, akan menjadi faktor penting dalam meningkatkan daya saing dan kepuasan nasabah di era Society 5.0.
Early Fraud Detection Using the Fraud Triangle Model in Islamic Banking Hendra, Joni; Marisna, Diska Sendi; Karimah, Uswatun; Sofiyanto, Sofiyanto; Saprudin, M
Jurnal Multidisiplin Teknologi dan Arsitektur Vol 3, No 1 (2025): Mei 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/motekar.v3i1.6143

Abstract

This study aims to analyze the potential for fraud in Islamic banking through the application of the Fraud Triangle Model, which consists of three key elements: pressure, opportunity, and rationalization. Although Islamic banking is founded on Islamic principles such as justice, transparency, and moral responsibility, fraudulent practices may still occur due to human factors and weaknesses in internal control systems. This research employs a literature review method by examining academic sources and relevant regulations. The findings reveal that economic pressure, weak internal oversight, and justifications for unethical behavior are primary drivers of fraud in Islamic financial institutions. Therefore, effective fraud mitigation strategies are needed, including strengthened corporate governance, supervision based on Islamic values, and the development of a work culture grounded in integrity. The application of the Fraud Triangle Model in the Islamic banking context is expected to support early fraud detection and prevention in a more ethical and effective manner.
Early Fraud Detection Using the Fraud Triangle Model in Islamic Banking Hendra, Joni; Marisna, Diska Sendi; Karimah, Uswatun; Sofiyanto, Sofiyanto; Saprudin, M
Jurnal Multidisiplin Teknologi dan Arsitektur Vol 3, No 1 (2025): Mei 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/motekar.v3i1.6143

Abstract

This study aims to analyze the potential for fraud in Islamic banking through the application of the Fraud Triangle Model, which consists of three key elements: pressure, opportunity, and rationalization. Although Islamic banking is founded on Islamic principles such as justice, transparency, and moral responsibility, fraudulent practices may still occur due to human factors and weaknesses in internal control systems. This research employs a literature review method by examining academic sources and relevant regulations. The findings reveal that economic pressure, weak internal oversight, and justifications for unethical behavior are primary drivers of fraud in Islamic financial institutions. Therefore, effective fraud mitigation strategies are needed, including strengthened corporate governance, supervision based on Islamic values, and the development of a work culture grounded in integrity. The application of the Fraud Triangle Model in the Islamic banking context is expected to support early fraud detection and prevention in a more ethical and effective manner.
Co-Authors Hendra, Joni Marisna, Diska Sendi Saprudin, M Sofiyanto, Sofiyanto