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All Journal ADILLA: Jurnal Ilmiah Ekonomi Syari'ah LAN TABUR: JURNAL EKONOMI SYARIAH
Syahraeni Syahraeni
Institut Agama Islam Negeri (IAIN) Bone
Religion Arts Economics, Econometrics & Finance Education Social Sciences

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ANALYSIS OF CONSUMPTION PATTERNS OF MILLENNIAL MUSLIM ENTREPRENEURS USING E-WALLETS IN THE DIGITAL ERA AYU ARISKA; SYAHRAENI SYAHRAENI; OTONG KARYPONO
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 8 No. 2 (2025): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v8i2.7335

Abstract

This study aims to explore the impact of E-wallet technology on the consumption patterns of millennial Muslim entrepreneurs in Bone Regency after using E-wallets in the digital era. The research method employed is field research using a qualitative approach, with observation and interviews as data collection techniques. The study identifies consumption patterns concerning primary, secondary, and tertiary needs among millennial Muslim entrepreneurs. The findings indicate that millennial Muslim entrepreneurs in Bone Regency exhibit adaptive consumption patterns in response to E-wallet adoption, prioritizing essential needs over desires, which aligns with Islamic consumption principles. This digital transformation significantly affects their habits, making E-wallets the primary payment method and changing how they meet primary needs such as food and clothing, as well as secondary needs like transportation and business capital. E-wallets also influence their spending patterns, increasing out-of-home activities and contributing to tertiary needs such as vacations and shopping through promotions and cashback. The research shows that E-wallet adoption not only creates a more efficient consumption pattern but also positively impacts business growth, fosters a technology-responsive environment, and encourages changes in consumption behavior that align with contemporary developments while upholding Islamic values.
KASUS PENIPUAN DI PERBANKAN SYARIAH: ANALISIS FRAUD INTERNAL DAN IMPLIKASINYA TERHADAP KEPERCAYAAN NASABAH Syahraeni Syahraeni; Nur Hikmah; Sitti Nikmah Marzuki
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 6 No. 1 (2024): September
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lantabur.2024.6.1.122-140

Abstract

Penelitian ini mengkaji kasus fraud internal di perbankan syariah, yang mengungkap kelemahan signifikan dalam sistem pengendalian internal. Kasus-kasus yang diteliti melibatkan penyalahgunaan dana nasabah di PT Bank Mega Syariah, Bank BTPN Syariah, dan PT Bank Jawa Barat dan Banten (BJB) Syariah. Kasus-kasus ini tidak hanya merusak reputasi lembaga keuangan tetapi juga menurunkan kepercayaan nasabah terhadap institusi tersebut. Penelitian ini bertujuan untuk menganalisis faktor-faktor penyebab fraud serta mengevaluasi efektivitas sistem pengendalian internal dan kebijakan anti-penipuan yang diterapkan oleh lembaga-lembaga tersebut. Metode penelitian yang digunakan adalah studi literatur dengan pendekatan kualitatif. Teknik pengumpulan data melibatkan penelusuran artikel, buku, dan referensi terkait dengan kasus fraud di perbankan syariah. Hasil penelitian mengindikasikan bahwa fraud internal, termasuk penyalahgunaan dana dan manipulasi transaksi, merusak reputasi lembaga keuangan dan menurunkan kepercayaan nasabah. Faktor-faktor penyebab fraud seringkali mencakup tekanan eksternal, kelemahan dalam sistem pengendalian internal, dan rasionalisasi dari pelaku. Penelitian ini merekomendasikan penguatan sistem pengawasan internal, penerapan kebijakan anti-fraud yang ketat, serta implementasi sistem pelaporan pelanggaran (whistleblowing system) untuk meningkatkan transparansi dan mengurangi risiko fraud di perbankan syariah.
Co-Authors Ayu Ariska Nur Hikmah OTONG KARYPONO Sitti Nikmah Marzuki, Sitti Nikmah