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All Journal Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora AL-SULTHANIYAH
Sukmana, Ahyana Syahila
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Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Inovasi Akad Pembiayaan Kartu Kredit pada Perbankan Syariah Susanto, Dedi; Rayyahun, Annisa; Sukmana, Ahyana Syahila; Lutfi, Mukhtar
AL-SULTHANIYAH Vol. 14 No. 2 (2025): AL-SULTHANIYAH
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/al-sulthaniyah.v14i2.3593

Abstract

Islamic credit cards are one of the innovations in the Islamic financial system aimed at providing non-cash transaction facilities while adhering to Islamic principles. This study aims to identify the challenges and issues faced by Islamic banks in developing and implementing Islamic credit card products in Indonesia. The research method used is a literature study with a descriptive qualitative approach, referring to academic literature, fatwas from the National Sharia Council (DSN-MUI), and banking regulations. The results show that Islamic banks face several key challenges, including limited public understanding of sharia-based contracts, the need for adequate supporting technology systems, and intense competition from more widely known conventional credit cards. In addition, limited product innovation and the need for harmonization between sharia regulations and national financial authority policies remain significant obstacles. Therefore, synergy between regulators, industry players, and academics is necessary to strengthen Islamic credit card products through education, sharia financial literacy, and the development of competitive yet sharia-compliant features.
Transmisi Peradaban Islam ke Dunia Barat: Jalur, Kontribusi, dan Dampaknya terhadap Renaisans Eropa Rayyahun, Annisa; Sukmana, Ahyana Syahila; Widianti, Anyta; Hasaruddin; Harisa, Rahmawati
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 11 No. 2 (2025): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v11i2.3460

Abstract

This study aims to explore the contributions of Islamic civilization to the development of the Western world, particularly between the 8th and 15th centuries CE. Using a historical-analytical approach and literature review, the research reveals how knowledge, philosophy, art, and technology from the Islamic world were transmitted to Europe through key channels such as Al-Andalus, trade routes, the Crusades, translation movements, and Islamic educational centers. The findings show that Islamic contributions played a pivotal role in laying the foundation for the Renaissance and the intellectual awakening in the West, despite being frequently overlooked in mainstream historical narratives. This study also emphasizes the need for a fair and inclusive historical reconstruction to fully understand the interconnectedness of Islamic and Western civilizations.
Co-Authors Dedi Susanto Harisa, Rahmawati Hasaruddin Lutfi, Mukhtar Rayyahun, Annisa Widianti, Anyta