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All Journal Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi JSE: Jurnal Sharia Economica Danadyaksa: Post Modern Economy Journal
Siregar, Tetty Handayani
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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TANTANGAN EKONOMI SYARIAH DALAM MENGHADAPI MASA DEPAN DI ERA GLOBALISASI Siregar, Tetty Handayani; Nurhayati, Nurhayati; Anggraini, Tuti
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 5 No. 1 (2025): Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimea.v5i1.893

Abstract

The purpose of this study is to analyze the factors that influence the development of Islamic Economics. These challenges include integration with the global market, development of competitive products and services, preparation of supportive regulations, and increasing public education and awareness. An integrated and collaborative strategy is needed to answer these challenges, involving the active role of the government, Islamic financial institutions, academics, and the community. This research method uses descriptive qualitative with data sources in the form of journals and books related to Islamic economics. The results of the study show that Islamic Economics faces increasingly diverse challenges along with the development of the global economy in the era of globalization. Dynamics such as changes in the structure of the global economy, the impact of technology, and innovation place Islamic Economics in a strategic position as well as full of challenges. This paper explores the main challenges faced by Islamic Economics in responding to future needs in the global era
The Role of Islamic Financial Institutions: Maintaining Market Integration and Preventing Distortion Siregar, Tetty Handayani; Harahap, Isnaini; Ridwan, Muhammad
Danadyaksa: Post Modern Economy Journal Vol. 2 No. 2 (2025): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v2i2.135

Abstract

This study analyzes how Islamic financial institutions can encourage inclusive economic growth, reduce social inequality, and create added value for all stakeholders. In this study, researchers used a descriptive qualitative method. The data source used library research, drawing from various scholarly materials such as books, peer-reviewed journals, and official reports. These sources were carefully selected based on their relevance and credibility, and the data was analyzed through thematic analysis to identify key insights and patterns. The results of the study showed that price distortions were caused by several factors including cartels and trader associations, which manipulate supply and pricing; ikhtikar (hoarding of goods to drive up prices); talaqqi ruqban (intercepting rural sellers before they reach the market to buy goods at unfair prices); tadlis (concealment of product defects); taghrir (misleading information to deceive buyers); and bay najasy (artificial price inflation through false bidding). Islamic financial institutions have a strategic role in preventing market distortions caused by usury practices by offering Sharia-compliant financial products that emphasize profit-and-loss sharing, ethical investment, and risk-sharing. Empirical evidence from studies on Islamic finance shows that these mechanisms contribute to price stability and more equitable wealth distribution. Islamic financial institutions can encourage sustainable economic growth without harming any party by implementing a fair and transparent profit-sharing system. However, to achieve this goal, government support is needed in the form of conducive regulations and comprehensive public education campaigns. These campaigns should focus on raising awareness about the principles and benefits of Islamic financial practices, promoting ethical market behavior, and providing training programs for market participants to ensure proper implementation of Shariah-compliant transactions.
Pengaruh Pemahaman dan Tingkat Kepercayaan Masyarakat terhadap Rendahnya Inklusi Keuangan Berbasis Fintech di Kabupaten Asahan Siregar, Tetty Handayani; Dewi, Nurul Aulia; Muda, Iskandar; Soemitra, Andri; Yusrizal
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2128

Abstract

This study aims to analyze the influence of public understanding and trust levels on low fintech-based financial inclusion in Asahan Regency. The phenomenon of inequality between high digital penetration and low fintech adoption in rural areas is the main research background. The approach used is quantitative with a survey method of 100 respondents spread across 25 sub-districts, using a Likert scale-based questionnaire instrument. Data were analyzed using SmartPLS 4.0 software with the Structural Equation Modeling Partial Least Square (SEM-PLS) approach. The results of the study indicate that public understanding and trust have a significant influence on digital financial inclusion. This is proven through hypothesis testing with t-statistic values ​​above 1.96 and p-value <0.05, respectively. The R-Square value of 0.488 indicates that the two independent variables explain almost all of the variation in financial inclusion. These findings strengthen the Technology Acceptance Model theory and consumer trust theory, and emphasize the importance of literacy strategies and consumer protection in supporting financial inclusion. This study also develops a micro index of fintech inclusion based on the dimensions of access, use, and service quality. These findings are expected to be the basis of policies for local governments, regulators, and industry players in expanding inclusive finance in remote areas more effectively
Efisiensi Syariah dalam Era Digital: Tinjauan Sistematis terhadap Pengelolaan Zakat di Era QRIS dan Fintech Islam Siregar, Tetty Handayani; Majid, Shabri Abd; Sugianto
JSE: Jurnal Sharia Economica Vol. 4 No. 3 (2025): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i3.2137

Abstract

Digital transformation in zakat management is inevitable amidst the development of Islamic financial technology. This study aims to systematically examine the influence of digital technology on the efficiency of zakat management in Indonesia and other Muslim countries. Using the Systematic Literature Review (SLR) approach based on PRISMA 2020, this article analyzes 10 scientific literature published between 2015–2025. The results of the study show that the use of technology such as QRIS, SIMBA, digital wallets, and Islamic fintech can increase the operational efficiency of zakat institutions, especially in terms of service speed, transparency, and cost reduction. However, this effectiveness is not evenly distributed because there are still obstacles in the readiness of human resources, infrastructure, and institutional integration. The study also found that there is no standardized efficiency evaluation model among zakat managers. This study recommends the importance of cross-sector collaboration, strengthening the digital capacity of amil, and integrating digital systems between institutions to create a more efficient and sustainable digital zakat ecosystem. These findings are expected to be a reference in policy making and developing a digital zakat system that is adaptive to the challenges of the 5.0 era
Pengaruh Pemahaman dan Tingkat Kepercayaan Masyarakat terhadap Rendahnya Inklusi Keuangan Warga Kota Medan dalam Penggunaan Mobile Banking di Era Cashless Society Dewi, Nurul Aulia; Siregar, Tetty Handayani; Muda, Iskandar; Soemitra, Andri; Soemitra, Yusrizal
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2200

Abstract

This study aims to analyze the influence of public Understanding and Trust on the low Financial Inclusion of Medan City residents in using mobile banking in the cashless society era. A quantitative approach was employed, using a survey technique with questionnaires distributed to 100 randomly selected respondents based on the Slovin formula. Data were analyzed using SmartPLS 4.0, with validity, reliability, and path analysis tests. The results reveal that public Understanding (digital financial literacy) and Trust significantly and positively influence Financial Inclusion through mobile banking adoption in Medan City. Despite improvements in technological infrastructure and access, challenges remain in user knowledge and trust in financial technology. Public Understanding, which encompasses both technical use and the ability to make informed financial decisions, was found to be a key determinant. Trust in digital financial services, influenced by factors such as data security, transaction clarity, and transparency, also plays a crucial role in encouraging mobile banking use. Statistical analysis indicates that these variables explain 48.8% of the variation in Financial Inclusion, aligning with the Technology Acceptance Model (TAM) and Trust-Based Acceptance Model (TBAM), as well as previous studies
ANALYSIS OF INSTITUTIONAL REFORM OF THE INDONESIAN WAQF BOARD (BWI) AND PROBLEMS OF NATIONAL WAQF GOVERNANCE Dewi, Nurul Aulia; Siregar, Tetty Handayani; Nasution, Yenni Samri Juliati; Marliyah, Marliyah
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.13038

Abstract

This study aims to analyze the institutional challenges and direction of reform within the Indonesian Waqf Board (BWI) in managing national waqf. Although Indonesia has enormous waqf potential, with over 414,000 hectares of waqf land and approximately 420,000 nazhirs (Islamic trustees), the reality is that only about 10% of these assets have been managed productively. This study uses a qualitative approach with library research through analysis of academic literature, policy documents, and official reports from related institutions. The results indicate that the main problems lie in weak coordination between the central and regional BWI, limited human resource capacity, a lack of transparency and accountability, and low literacy and public trust in waqf management institutions. Furthermore, the implementation of waqf regulations has not been optimal due to lengthy bureaucracy and the absence of regulations that adapt to contemporary waqf innovations such as digital waqf and stock waqf. Comparisons with Malaysia and Turkey demonstrate that the success of productive waqf management is largely determined by institutional professionalism, strong regulatory support, and the integration of public policy with technology and the Islamic financial sector. Therefore, BWI institutional reform needs to focus on professionalizing nazhir (managers), digitizing the national waqf management system, and developing fiscal policies that encourage productive waqf innovation. These reforms are expected to strengthen transparent, accountable, and globally competitive national waqf governance to achieve the welfare of the community in accordance with the principles of maqāṣid al-syarī‘ah (the main objectives of Islamic law)
Co-Authors Andri Soemitra Dewi, Nurul Aulia Iskandar Muda Isnaini Harahap Majid, Shabri Abd Marliyah, Marliyah Muhammad Ridwan Nurhayati Nurhayati Soemitra, Yusrizal Sugianto Tuti Anggraini YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yusrizal