Garuda - Garba Rujukan Digital

Pengaruh Kualitas Produk Dan Service Excellent Melalui Experiential Marketing Sebagai Variabel Moderasi Terhadap Minat Brand Pada Bank Muamalat Cabang Gowa Aliah Adillah; Sitti Fatimah; Nuraeni Gani; Kamaruddin Arsyad; Ilham Gani
Jurnal Ekonomi dan Bisnis Digital Vol. 2 No. 3 (2025): Januari - Maret
Publisher : CV. ITTC INDONESIA

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Penelitian bertujuan menunjukkan pengaruh Kualitas Produk dan Service Excellent Melalui Experiential Marketing Sebagai Variabel Moderasi Terhadap Minat Brand Pada Bank Muamalat Cabang Gowa. Jenis penelitian yang digunakan yaitu kuantitatif dengan pendekatan asosiatif dan menggunakan data primer dan sekunder. Penelitian ini menggunakan sampel sebanyak 100 responden. Teknik analisis data menggunakan uji koefisien determinasi, uji parsial dan uji analisis MRA, namun sebelum itu dilakukan pengujian validitas, realibilitas dan asumsi klasik dengan alat bantu software SPSS 21. Hasil penelitian menunjukkan bahwa Kualitas produk berpengaruh positif dan signifikan terhadap minat brand. Service excellent berpengaruh positif dan signifikan terhadap minat brand. Kualitas produk dan service excellent secara simultan berpengaruh positif dan signifikan terhadap miant brand. Kualitas produk tidak mampu memoderasi experiential marketing terhadap minat brand. Service excellent mampu memoderasi experiential marketing terhadap minat brand. Penelitian ini dapat melengkapi teori yang sudah ada dan dapat menjadi rujukan bagi perbankan syariah dalam meningkatkan hubungan perusahaan dengan industri.

Inovasi Pembiayaan Syariah Untuk Mendukung Industri Halal: Studi Kasus di Indonesia Sri Muliyani; Baso faiz Dzaki; Dwi Reski Febrianti; Kamaruddin Arsyad
TAFAQQUH Vol. 10 No. 1 (2025): Tafaqquh : Jurnal Hukum Ekonomi Syariah dan Ahwal Syahsiyah
Publisher : STIS DAFA MATARAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70032/c8cvg293

The development of Islamic financial technology (Islamic fintech) in Indonesia shows significant growth, yet its role in supporting the halal industry ecosystem has not been comprehensively studied. Indonesia, as the country with the world's largest Muslim population, has great potential to optimize the synergy between Islamic fintech and the halal industry. This research aims to analyze the role of Islamic fintech in supporting the development of Indonesia's halal industry ecosystem and identify its impact on Islamic economic growth. The study employs a qualitative approach using systematic literature review (SLR) methodology to analyze 35 literature sources from 2018-2024, including academic journals, government reports, and trusted institutional publications. Islamic fintech has disbursed IDR 9 trillion to SMEs by April 2023 with 440% year-on-year growth in 2021. Indonesia achieved third place globally in the Islamic fintech ecosystem through 17 OJK-licensed platforms. Islamic fintech contributes through mudharabah, musyarakah, murabahah, and ijarah financing schemes, as well as blockchain technology innovation for halal supply chain transparency. Islamic fintech plays a strategic role in creating an integrated halal industry ecosystem through improving SME financing access, digitalizing halal supply chains, and strengthening the competitiveness of Indonesian halal products in the global market with a target contribution of US$5.1 billion to national GDP

Analisis Korelasi Antara Keberadaan Bank Syariah dan Tingkat Kesadaran Masyarakat Terhadap Produk Perbankan Syariah Aliyyah Mahdiyyah; Haerunnisa; Ummul Haer; Kamaruddin Arsyad
TAFAQQUH Vol. 10 No. 1 (2025): Tafaqquh : Jurnal Hukum Ekonomi Syariah dan Ahwal Syahsiyah
Publisher : STIS DAFA MATARAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70032/gp03yk61

This study aims to examine the influence of the presence of Islamic banks on public awareness of Islamic banking products in Indonesia. Data was collected through a survey involving 500 respondents from various provinces in Indonesia, using a stratified random sampling technique. The instrument used was a questionnaire measuring public perception of the presence of Islamic banks, digital services, and educational programs. Data analysis was conducted using Pearson correlation, multiple linear regression, and classical assumption tests. The results show a significant positive relationship between the presence of Islamic banks and public awareness of Islamic banking products. The presence of bank branches, access to digital services, and better educational programs can enhance public awareness. This study provides valuable insights for the development of Islamic banking strategies to expand outreach and improve public understanding of Islamic banking products.

PERAN BMT AL-AMANAH DALAM MENINGKATKAN AKSES PEMBIAYAAN SYARIAH BAGI PELAKU USAHA DI KABUPATEN SINJAI Rosmah; Kamaruddin Arsyad; Sumarlin
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 4 (2025): Juli
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v6i4.58154

Abstrak Penelitian Artikel ini bertujuan untuk menelusuri peran BMT Al-Amanah dalam meningkatkan akses pembiayaan bagi pelaku usaha mikro di kabaupaten sinjai. Penelitian ini dilakukan dengan menggunakan metode literasi dengan pendekatan kualitatif. Hasil penelitian menunjukkan bahwa BMT Al-amanah berkontribusi dalam penyediaan berbagai produk pembiayaan syariah seperti murabahah, mudharabah, dan qardhul hasan yang sesuai dengan kebutuhan usaha mikro. Selain pembiayaan, BMT al-amanah juga memberikan pendampingan usaha dan edukasi literasi keuangan syariah. Tantangan yang dihadapi meliputi keterbatasan modal, rendahnya literasi keuangan masyarakat, dan risiko kredit. Penelitian ini merekomendasikan penguatan kolaborasi antara BMT al-amanah, pemerintah, dan lembaga zakat untuk memperluas akses dan memperkuat inklusi keuangan syariah Kata Kunci: BMT, Al-Amanah, Pemibiayaan Syariah, dan Usaha Mikro Abstract This article explores the role of BMT Al-Amanah in increasing access to financing for micro business actors in the Sinjai district. This research was conducted using a literacy method with a qualitative approach. The results of the study show that BMT Al-amanah contributes to the provision of various sharia financing products such as murabahah, mudharabah, and qardhul hasan that are by the needs of micro businesses. In addition to financing, BMT al-amanah also provides business assistance and education on Islamic financial literacy. The challenges faced include limited capital, low public financial literacy, and credit risk. This study recommends strengthening collaboration between BMT al-amanah, the government, and zakat institutions to expand access and strengthen Islamic financial inclusion. Keywords: BMT, Al-Amanah, Sharia Financing, and Micro Enterprises

TINJAUAN HUKUM ISLAM DAN HUKUM POSITIF TERHADAP RISIKO DAN KEUNTUNGAN DALAM KONTRAK AKAD SALAM A. Faadhillah Awaliah Ramadhani; Lailatul Mahdalena; Lutfiah Maysarah; Gita Ayu Lestari; Kamaruddin Arsyad
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 4 (2025): Juli
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v6i4.58683

Abstrak Akad salam merupakan salah satu bentuk transaksi jual beli yang diizinkan dalam Islam meskipun objek yang diperjualbelikan belum tersedia pada saat akad dilakukan. Dalam akad ini, pembayaran dilakukan secara penuh di awal, sedangkan penyerahan barang dilakukan pada waktu yang telah disepakati di masa depan. Meskipun memberikan solusi pembiayaan bagi produsen dan petani kecil, akad salam tetap mengandung risiko, terutama terkait kemungkinan wanprestasi dari pihak penjual. Penelitian ini bertujuan untuk mengkaji risiko dan keuntungan akad salam dalam perspektif hukum Islam dan hukum positif di Indonesia. Metode penelitian yang digunakan adalah studi pustaka dengan mengumpulkan dan menganalisis berbagai literatur keislaman, peraturan perundang-undangan nasional, serta fatwa DSN-MUI yang relevan. Hasil kajian menunjukkan bahwa hukum Islam memperbolehkan akad salam dengan syarat ketat untuk mencegah unsur gharar dan maysir, serta membagi risiko secara adil. Di sisi lain, hukum positif Indonesia tidak secara eksplisit mengatur akad salam, namun dapat mengakomodasinya melalui prinsip perjanjian dalam KUH Perdata dan ketentuan perlindungan konsumen. Penyelesaian sengketa dapat dilakukan melalui jalur pengadilan atau arbitrase syariah. Dalam praktik modern, akad salam telah diadopsi dalam perbankan syariah dengan skema paralel, namun tetap membutuhkan penguatan hukum formal. Kajian ini merekomendasikan perlunya integrasi antara prinsip syariah dan regulasi nasional guna memastikan akad salam berjalan dengan adil, aman, dan efisien dalam perekonomian kontemporer. Kata Kunci: akad salam, risiko dan keuntungan, hukum Islam, hukum positif Indonesia. Abstract Salam contract is a form of sale and purchase transaction that is permitted in Islam even though the object being traded is not yet available at the time the contract is made. In this contract, payment is made in full at the beginning, while delivery of goods is carried out at an agreed time in the future. Although it provides a financing solution for small producers and farmers, the salam contract still contains risks, especially related to the possibility of default by the seller. This study aims to examine the risks and benefits of the salam contract from the perspective of Islamic law and positive law in Indonesia. The research method used is a literature study by collecting and analyzing various Islamic literature, national laws and regulations, and relevant DSN-MUI fatwas. The results of the study show that Islamic law permits the salam contract with strict conditions to prevent elements of gharar and maysir, and to share risks fairly. On the other hand, Indonesian positive law does not explicitly regulate the salam contract, but can accommodate it through the principle of agreement in the Civil Code and consumer protection provisions. Dispute resolution can be done through the courts or sharia arbitration. In modern practice, the salam contract has been adopted in Islamic banking with a parallel scheme, but still requires formal legal strengthening. This study recommends the need for integration between sharia principles and national regulations to ensure that the salam contract runs fairly, safely, and efficiently in the contemporary economy. Keywords: salam contract, risk and profit, Islamic law, Indonesian positive law.

PERAN BANK SYARIAH INDONESIA (BSI) DALAM MENDUKUNG DAN MENDORONG INDUSTRI HALAL DI SULAWESI SELATAN Nachda Alyaditha; Kamaruddin Arsyad; Sumarlin
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 1 (2025): Oktober
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i1.58316

Abstrak Artikel ini membahas peran Bank Syariah Indonesia (BSI) dalam mendukung dan mendorong pertumbuhan industri halal di Sulawesi Selatan. Dengan pendekatan deskriptif kualitatif, penelitian ini menganalisis bagaimana BSI berkontribusi melalui pembiayaan syariah, pendampingan UMKM, serta penguatan ekosistem halal di tingkat lokal. Temuan menunjukkan bahwa Sulawesi Selatan memiliki potensi besar sebagai pusat industri halal, ditunjang oleh sektor unggulan seperti makanan halal, wisata ramah Muslim, dan kosmetik halal. BSI memainkan peran penting dalam memperluas akses keuangan syariah, mendampingi pelaku usaha, dan mendorong percepatan sertifikasi halal. Dukungan BSI juga terlihat dari digitalisasi layanan seperti Portal UMKM BSI dan Portal Salam Digital. Meski terdapat tantangan seperti keterbatasan literasi keuangan dan infrastruktur, kolaborasi antara BSI, pemerintah, dan lembaga terkait membuka peluang besar untuk menjadikan Sulawesi Selatan sebagai kawasan strategis industri halal di Indonesia Timur. Kata Kunci: Bank Syariah Indonesia, industri halal, Sulawesi Selatan, UMKM, keuangan syariah Abstract This article explores the role of Bank Syariah Indonesia (BSI) in supporting and promoting the halal industry in South Sulawesi. Using a descriptive qualitative approach, the study analyzes BSI’s contributions through Islamic financing, SME mentoring, and strengthening the local halal ecosystem. The findings reveal that South Sulawesi has strong potential to become a halal industry hub, driven by key sectors such as halal food, Muslim-friendly tourism, and halal cosmetics. BSI plays a vital role in expanding access to Islamic financial services, assisting business actors, and accelerating halal certification. Its support is also evident in the digitalization of services such as the BSI SME Portal and Salam Digital Portal. Despite challenges like limited financial literacy and infrastructure, collaboration between BSI, the government, and related institutions presents a significant opportunity to establish South Sulawesi as a strategic halal industrial zone in Eastern Indonesia. Keywords: Bank Syariah Indonesia, halal industry, South Sulawesi, SMEs, Islamic finance

AKAD-AKAD PROGRESIF UNTUK KEUANGAN ISLAM YANG BERKELANJUTAN Firman Natzir; Supriadi Hamid; Kamaruddin Arsyad
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 1 (2025): Oktober
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i1.59822

Abstrak Penelitian ini mengkaji pentingnya akad progresif dalam mendorong keuangan Islam berkelanjutan. Latar belakangnya adalah peran sentral akad (perjanjian) dalam setiap transaksi ekonomi syariah, yang menjadi landasan bagi hak dan kewajiban. Dengan pesatnya perkembangan keuangan syariah berdasarkan prinsip etis seperti larangan riba dan gharar, keberlanjutannya sangat bergantung pada penerapan akad yang sesuai syariah. Oleh karena itu, penelitian ini bertujuan menganalisis inovasi akad syariah untuk mendukung ekonomi Islam yang adil, inklusif, dan berwawasan lingkungan. Menggunakan metode studi literatur deskriptif-analitis, penelitian ini mengulas konsep akad dan rukunnya, serta mengidentifikasi akad progresif (seperti modifikasi mudharabah dan musyarakah) yang relevan untuk transaksi nirlaba (tabarru') maupun berorientasi laba (tijarah). Diharapkan, penerapan akad progresif dapat menghasilkan sistem keuangan yang stabil dan bermanfaat jangka panjang bagi umat. Kata Kunci: Akad Progresif, Keuangan Islam, Keberlanjutan. Abstract This study examines the significance of progressive contracts (akad) in fostering sustainable Islamic finance. The background highlights the central role of contracts in all Islamic economic transactions, forming the basis for rights and obligations. With the rapid development of Sharia finance, underpinned by ethical principles like the prohibition of usury (riba) and ambiguity (gharar), its sustainability heavily relies on Sharia-compliant contract implementation. Thus, this research aims to analyze innovative Sharia contracts to support a just, inclusive, and environmentally conscious Islamic economy. Employing a descriptive-analytical literature review, this study examines the concept of contracts and their pillars, identifying progressive contracts (such as modified mudharabah and musyarakah) relevant for both non-profit (tabarru') and for-profit (tijarah) transactions. It is expected that applying progressive contracts can lead to a stable financial system with long-term benefits for the community. Keywords: Progressive Contracts, Islamic Finance, Sustainability.

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