Amanatun Nisfah Nurun Nikmah
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EVALUATION OF DUAL BANKING SYSTEM IN BANKING IN INDONESIA Amanatun Nisfah Nurun Nikmah; Tulus Suryanto; Surono Surono
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 11, No 2 (2020)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LP2M) Universitas Islam Negeri (UIN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1422.551 KB) | DOI: 10.32678/ijei.v11i2.158

Abstract

Evaluation of Dual Banking System in Indonesia. Dual Banking System is the application of two banking systems in one banking institution, namely conventional banking and Islamic banking. Indonesia can optimize the dual banking system through strength share and weakness cover, namely Islamic banks are generally superior in terms of a more stable system in the face of market changes but have deficiencies in infrastructure, whereas conventional banks have large market and capital access and more infrastructure complete, but very vulnerable to crises due to the negative factors of economic integration which are already very strong. The superiority of the dual banking system concept is seen in two separate systems that operationally do not affect each other, but have one common goal, namely financial stability that supports economic growth. So, to achieve this goal the two systems can work together in external factors such as access to capital, infrastructure, supervision or clearing systems that can help interbank liquidity.
Determinant Variables that Affect the Financial Performance of Islamic Banking in Indonesia Amanatun Nisfah Nurun Nikmah; Ruslan Abdul Ghofur; Heni Noviarita
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 3 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v5i3.1975

Abstract

This study aims to analyze whether there is an influence of Islamic Corporate Governance, Islamic Social Responsibility, Intellectual Capital, Sharia Bank Indonesia Certificates and Profit Sharing Levels on the Financial Performance of Islamic Commercial Banks in Indonesia for the 2016-2020 period. The type of data used is secondary data obtained from the financial reports of banks, BI and OJK through published institutional reports which were analyzed using multiple linear regression with the help of the E-Views 10 Program. The results of this study are the variables Islamic corporate governance, Islamic social responsibility, and Islamic corporate governance. intellectual capital, and Bank Indonesia Sharia Certificates partially have no effect on the Financial Performance of Islamic Commercial Banks in Indonesia in 2016-2020. while the Profit Sharing Variable has an effect on the Financial Performance of Islamic Commercial Banks in Indonesia in 2016-2020. Variables Islamic Corporate Governance, Islamic Social Responsibility, Intellectual Capital, Bank Indonesia Sharia Certificates and Profit Sharing Levels Simultaneously on the Financial Performance of Islamic Commercial Banks in Indonesia in 2016-2020. Keywords: Islamic Bank, Financial Performance, Quantitative
HUKUM KRIPTO DALAM ISLAM: ETIKA DAN FATWA ULAMA Anwar, Mustofa; Puspitasari, Ema; Karim, Samuel; Nisfah Nurun Nikmah, Amanatun
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 5 No. 1 (2025)
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v5i1.8518

Abstract

Cryptocurrency telah menjadi topik hangat dalam ekonomi dan keuangan global. Namun, dari perspektif hukum dan etika Islam, masih belum dipahami secara komprehensif. Dalam situasi ini, tujuan dari penelitian ini adalah untuk mengetahui lebih dalam pandangan para ulama tentang penggunaan Cryptocurrency yang berfokus pada aspek hukum dan etika dalam ekonomi Islam. Penelitian ini menggunakan pendekatan normatif-komparatif sebagai acuan untuk menganalisis fatwa Ulama tentang cryptocurrency. Fatwa Ulama yang digunakan adalah Fatwa Majelis Ulama Indonesia (MUI), Fatwa Dar al-Ifta' dan hasil Bahtsul Masail Nahdlatul Ulama (NU). Hasil penelitian mencatat dua poin penting. Pertama, ada perbedaan antara ulama tentang hukum cryptocurrency, Beberapa Ulama memegang cryptocurrency sesuai dengan prinsip syariah dan halal, dan beberapa Ulama berpandangan bahwa cryptocurrency sebagai sesuatu yang berpotensi mengandung ketidakpastian, perjudian dan riba yang dilarang dalam Islam. Kedua, dari perspektif etika bisnis Syariah, cryptocurrency saat ini mengandung lebih banyak kerugian daripada manfaat. Penelitian ini menyajikan panduan melalui pandangan para Ulama secara komprehensif terkait dengan penggunaan cryptocurrency. Penelitian ini berkontribusi untuk meningkatkan pemahaman tentang cryptocurrency sesuai dengan hukum ekonomi Syariah.