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All Journal Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Liquidity : Jurnal Ilmu Manajemen dan Bisnis
Rachman, Mutmainna
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Evaluating the Compliance of Shopee Paylater and Shopee Paypinjam with Islamic Finance Principles: Ethical Challenges and Opportunities in Fintech Rini; Rasulong, Ismail; Yuniarti, Andi; Rachman, Mutmainna
Li Falah: Journal of Islamic Economics and Business Vol. 9 No. 2 (2024): December 2024
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v9i2.10729

Abstract

This study evaluates the compliance of Shopee Paylater and Shopee Paypinjam with Islamic finance principles by examining their operational mechanism. The research focuses on the challenges posed by interest rates, late fees, and transparency, which hindre adherence to Sharia ethics. A qualitative approach, including case studies and semi-structured interviews with users, was employed, supported by secondary data analysis. The findings reveal significant reveal significant non-compliance with Islamic finance principles, particularly due to the imposition of interest and late payment penalties, both considered forms of riba. Moreover, unclear repayment terms and hidden fees undermine the transparency and fairmenss central to Islamic finance practices. While the fintech services provide convenience and accessibility, they fail to meet the understanding of fintech in Islamic markets, highlighting the need for profit-sharing models, improved transparency, and Sharia-compliant regulatory frameworks. The findings offer practical insights for fintech providers, policymakers, and Sharia boards, emphasizing the importance of fostering trust and inclusivity in digital financial ecosystem. Future research should explore comparative analyses across different regions and incorporate the perspectives of various stakeholders.
IMPLIKASI PENGEMBANGAN KARYAWAN TERHADAP PRODUKTIVITAS KERJA: STUDI PADA KARYAWAN BANK BTPN CABANG SUNGGUMINASA Rachman, Mutmainna; Rini
Liquidity Jurnal Ilmu Manajemen dan Bisnis Vol 2 No 2 (2024): JULI 2024
Publisher : Prodi Manajemen Universitas Syekh Yusuf Al Makassari Gowa

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Abstract

This study aims to determine the effect of employee development on work productivity at PT. Bank BTPN, Sungguminasa, Gowa Regency. Employee development is one of the factors that can influence the level of work productivity. Employee development in this context is not limited to an additional base salary, but also includes skill enhancement and recognition for specific achievements or expertise. However, development may not be effective if it solely focuses on the completion of administrative tasks, such as reports or receipts, within a short period. This research employed simple linear regression analysis, the R² test, and the t-test to analyze the relationship between variables. The regression results show that the coefficient for employee development is 0.458, indicating that the employee development variable (X) has a positive effect on work productivity by 45.8%. Based on the t-test results, the t-calculated value was 3.524, with a significance level of 0.001 (< 0.05), while the t-table value was 2.042. Thus, it can be concluded that Ho is rejected and Ha is accepted, meaning that employee development (X) has a significant effect on work productivity.
Co-Authors Rasulong, Ismail RINI Yuniarti, Andi