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All Journal Airlangga International Journal of Islamic Economics and Finance Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Walid In'am Ahmad
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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EFFECTIVENESS OF USING THE SYARIAH PAYMENT GATEWAY LINKAJA SYARIAH PLATFORM IN INCREASING DIGITAL REVITALIZATION AND PROFITS OF MSMES Walid In'am Ahmad; Achmad Fageh
Airlangga International Journal of Islamic Economics and Finance Vol. 8 No. 01 (2025): JANUARY-JUNE 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v8i01.70806

Abstract

This study aims to analyze the benefits of using a Sharia payment gateway in encouraging digitalization, especially for MSMEs, through the LinkAja Syariah application. The method used is a qualitative approach based on literature studies from various journals and relevant articles. The results of the study show that the adoption of the Sharia digital payment system has increased significantly, reflected in the growth of LinkAja Syariah users by 1.6 million from 2020 to 2024, with a total reaching 10 million users. This digitalization supports time efficiency, and more accurate financial records, and facilitates QRIS payments, Sharia bank transfers, and ziswaf payments. Even without primary data, the increase in indicators such as cash deposit and withdrawal transactions (53–65%) and the increase in LinkAja Syariah revenue by 23% in 2023 show the potential for increasing MSME profitability through the use of this technology.
Systematic Literature Review (SLR) Makna Halalan Thayyiban Bagi Konsumen Muslim pada Produk Makanan di Kabupaten Gresik: Studi Fenomenologi di Toko UD Adji Jaya Makmur Walid In'am Ahmad; Iskandar Ritonga; Mugiyati; Lilik Rahmawati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i8.7976

Abstract

Halalan thayyiban is an important legitimacy that must be owned by every business, especially in food products or products such as beauty and so on as a benchmark for safety and to increase consumer awareness of the importance of using products that already have halal certification and food labeling logos greatly affect the quality of the product. This study aims to determine how the public's perception, especially for Muslim consumers, is in understanding or interpreting food products that are halal thayyiban and how to solve problems related to challenges and opportunities faced by Indonesia in halal certification of food products that are in accordance with applicable BPJPH or LPH regulations. This study uses the SLR paradigm approach or systematic literature review obtained from journals that have been published from 2015 to 2024 after being traced, the results obtained show that there is still a lack of public understanding of the importance of halal certification for a food product because many people still think that food products that do not contain pork, alcohol and the like are included in products that are halal for consumption, but halal standardization is not only seen in terms of product ingredients but also from the production process of using clean kitchen utensils, kitchen sanitation or clean production areas and the like which are very important aspects in assessing the halal standardization of food products that are in accordance with applicable procedures and currently the demand for foreign products, especially halal-certified food or beauty products, is in great demand abroad because it is considered that the goods to be consumed have standardization and go through a very strict process so that they are considered safe for direct consumption can increase the export value of Indonesia in advancing MSME products, especially the halal industry which is currently increasing
Mekanisme dan Implementasi Pengelolaan Dana Pensiun Syariah Terhadap Fatwa DSN-MUI Nomor 88/DSN-MUI/XI/2013 pada Bank Syariah Indonesia Cabang Gresik Walid In'am Ahmad; Yazid, Muhammad
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i3.5767

Abstract

This study aims to analyze the mechanism and implementation of sharia pension fund management against the DSN MUI fatwa number 88 DSN MUI XI in 2013 where the object of the study was conducted at Bank Syariah Indonesia, Gresik branch. The study uses a descriptive qualitative research type where this study functions to provide a direct explanation of the phenomenon being studied using data obtained directly from the research object being studied. This study in conducting data analysis uses the Miles and Hubberman method, namely data reduction then continued with data presentation and ended with drawing conclusions. This study was taken using secondary data where the source of information provided came from the official website of Bank Syariah Indonesia and also various journals and references related to the title of the study. The results of this study are intended to determine how the mechanism and implementation of the management of sharia pension funds against the DSN MUI fatwa number 88 DSN MUI XI in 2013 at the BSI Gresik branch where in the management process it avoids gharar, maysir and also usury and remains in accordance with Islamic principles for the mechanism itself is divided into 7 parts including sharia contracts, fundraising, sharia investment, distribution of investment results, risk management, disbursement of pension funds and the last is compliance and supervision of sharia in BSI products that are related to sharia pension funds is BSI berkah where this product is a creation of Bank Syariah Indonesia in assisting customers to prepare pension funds while remaining compliant with sharia principles
Co-Authors Achmad Fageh Iskandar Ritonga Lilik Rahmawati Mugiyati Muhammad Yazid