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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah MALIA Al-Kharaj: Journal of Islamic Economic and Business JAWI : Journal of Ahkam Wa Iqtishad
Syahpawi
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Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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E-Money di Asia Selatan dan Tenggara: Studi Kasus Malaysia, Pakistan, dan Afghanistan Nurhayati; Syahpawi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 3 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i3.26590

Abstract

Penelitian ini bertujuan untuk mengkaji dan membandingkan perkembangan serta pelaksanaan uang elektronik (e-money) di tiga negara, yaitu Malaysia, Pakistan, dan Afghanistan, yang memiliki karakteristik ekonomi dan sosial yang berbeda. Objek penelitian mencakup sistem e-money yang berlaku di masing-masing negara, termasuk aktor utama, kebijakan regulatif, serta infrastruktur pendukung. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan studi pustaka, di mana data diperoleh melalui dokumentasi literatur, laporan kebijakan, dan studi sebelumnya terkait sistem keuangan digital. Hasil penelitian menunjukkan bahwa Malaysia telah berhasil mengembangkan ekosistem e-money yang matang melalui dukungan pemerintah, infrastruktur digital yang kuat, dan regulasi yang ketat. Pakistan menunjukkan pertumbuhan signifikan terutama dalam layanan branchless banking yang menyasar populasi unbanked, meskipun masih menghadapi tantangan literasi dan infrastruktur. Sementara itu, Afghanistan mengalami hambatan besar dalam pengembangan e-money akibat instabilitas politik, infrastruktur digital yang minim, dan dominasi sistem keuangan informal. Sebagai saran, ketiga negara diharapkan dapat terus memperkuat regulasi, meningkatkan literasi digital dan keuangan masyarakat, serta memperluas infrastruktur teknologi demi mendukung inklusi keuangan dan mempercepat transformasi ekonomi digital di kawasan masing-masing.
Maqasid Sharia As A Philosophical Foundation In Islamic Economic Policy Making Arum, Hafidza Sanshia; Rupita, Nanda Ega; Syahpawi; Muhammad Albahi
MALIA: Jurnal Ekonomi Islam Vol 16 No 1 (2024)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i1.5798

Abstract

Introduction: The application of Sharia economics often focuses on aspects of formal legality, ignoring the social and desire dimensions. This challenge makes the Sharia principles less optimal for creating benefits. Globalisation adds pressure to innovation, but Maqasid Sharia offers a holistic framework for material and spiritual balance. Methods: Using the literature study method, this study examines the theory and application of Maqasid Sharia which includes the protection of religion, soul, intellect, heredity, and property in economic policy Results: The results show that, although Maqasid Syariah provides a comprehensive framework, the main challenges in its implementation are an overly legalistic approach and a lack of innovation in Islamic financial products. Conclusion and suggestion: Maqasid Syariah as the foundation of syariah economy provides strategic guidance for fair, inclusive, and sustainable policies with Five main elements: religion, soul, intellect, heredity, and wealth. Despite being able to address global challenges such as social inequality and climate change, its implementation faces obstacles such as the dominance of a legalistic approach, lack of innovation, and lack of regulation and infrastructure. Recommendations include the integration of Maqasid values in policy, strengthening regulation, developing Sharia financial technology, redistribution of wealth through zakat and waqf, and innovative products such as green sukuk. The synergy between government, private, and historians is necessary for effective implementation.
Comparative Analysis of Business Activities of Sharia Banks and Conventional Banks: Sharia and Modern Banking Perspectives Palison, Aan; Nurnasrina; Syahpawi
JAWI : Journal of Ahkam Wa Iqtishad Vol. 2 No. 4 (2024): JAWI - DESEMBER
Publisher : MUI Kota Pekanbaru

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Abstract

This article aims to explore the distinctions between Sharia Banks and Conventional Banks, along with their respective operations. Essentially, both types of banks serve as institutions that gather funds from the public in the form of savings and then redistribute these funds back to the community through loans or other means. For individuals concerned about bank interest, Sharia banking offers an alternative by implementing a profit-sharing model to calculate returns on funds, which is deemed permissible under Islamic law. The differences between Sharia Banks and Conventional Banks lie in their legal foundations: Sharia banking is governed by Islamic sharia, which is derived from the Quran, Hadith, and Ulema Fatwa (MUI), whereas conventional banks operate under the positive laws applicable in Indonesia, including civil and criminal law. These differences present unique advantages for both types of banks and their customers.
The Influence of Investment Knowledge, Motivation, And Income on Investment Decisions Shariah Mutual in The Community Pekanbaru City Khairul Fadilah; Mahyarni; Syahpawi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9162

Abstract

This study aims to analyze the influence of investment knowledge, motivation, and income on investment decisions in sharia mutual funds among the people of Pekanbaru City. The primary background for selecting this location is the high economic potential and the dominance of the productive-age population in Pekanbaru. This research employs a quantitative method, with data collection conducted through questionnaires distributed to 100 respondents in Pekanbaru City. Data analysis techniques include multiple linear regression analysis using SPSS 26 software, encompassing research instrument tests, classical assumption tests, hypothesis testing, and multiple linear regression analysis. The results indicate that the t-count for investment knowledge is 1.267 < 1.984 (t-table) with a significance value of 0.208 > 0.05, suggesting that investment knowledge has no significant influence on sharia mutual fund investment decisions among the people of Pekanbaru City. Conversely, the t-count for motivation and income are 4.520 and 4.418, respectively, both exceeding the t-table value of 1.984, with significance values less than 0.05 (0.000 < 0.05). This indicates that motivation and income have a positive and significant influence on sharia mutual fund investment decisions. Furthermore, the F-count (158.874 > 2.70) confirms that investment knowledge, motivation, and income simultaneously have a significant effect on investment decisions. The coefficient of determination (R2) of 0.827 shows that these three variables explain 82.7% of the variation in investment decisions, while the remaining 17.3% is explained by other variables outside this research model.
Co-Authors Arum, Hafidza Sanshia Khairul Fadilah Mahyarni - Muhammad Albahi Nurhayati Nurnasrina Nurnasrina Palison, Aan Rupita, Nanda Ega