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All Journal Tadbir Muwahhid NISBAH: JURNAL PERBANKAN SYARIAH JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Banque Syar'i : Jurnal llmiah Perbankan Syariah QARDHUL HASAN: MEDIA PENGABDIAN KEPADA MASYARAKAT JURNAL ILMIAH LIVING LAW JURNAL VISIONIDA ALMUJTAMAE: Jurnal Pengabdian Masyarakat Jurnal Abdimas Prakasa Dakara Prosiding Seminar Nasional Pengabdian Kepada Masyarakat Karimah Tauhid Jurnal Inovasi Global Journal of Islamic Economic Scholar Journal Of Law Sciences (Legisci) AL - KAFF: JURNAL SOSIAL HUMANIORA
Andri Brawijaya
Universitas Djuanda
Religion Agriculture, Biological Sciences & Forestry Humanities Astronomy Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Public Health Social Sciences Other

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FAKTOR-FAKTOR YANG MEMPENGARUHI NASABAH BANK KONVENSIONAL PRO AKTIF MENGGUNAKAN REKENING BANK SYARIAH (STUDI KASUS NASABAH DI WILAYAH BELITUNG) : FACTORS INFLUENCING CONVENTIONAL BANK CUSTOMERS PRO ACTIVELY USING SHARIA BANK ACCOUNT (CASE STUDY OF CUSTOMER IN BELITUNG REGION) Khoirunnisa; Aziz, Imam Abdul; Brawijaya, Andri; Balgis, Lilis Fauziah
NISBAH: Jurnal Perbankan Syariah Vol. 8 No. 1 (2022): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v8i1.4432

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh promosi, produk, pelayanan bank syariah terhadap minat nasabah Bank konvensional pro aktif menggunakan rekening bank syariah. Metode yang dilakukan dalam penelitihan ini adalah metode kuantitatif. Populasi penelitihan ini adalah nasabah yang mempunayai dua rekening yaitu rekening bank syariah dan bank konvensional dan yang lebih aktif menggunakan rekening bank syariah di Belitung, dan jumlah sample dilakukan secara nonprobability sampling dengan metode purposive sampling. Adapun data yang digunakan penelitihan ini adalah data primer dan sekunder teknik pengumpulan data menggunakan wawancara kuisioner dan google form. Analisis data yang digunakan untuk menguji pengaruh promosi, produk, pelayanan, bank syariah terhadap minat nasabah Bank konvensional pro aktif menggunakan rekening bank syariah menggunakan Uji regresi linier berganda. Hasil penelitihan ini bahwa terdapat Terdapat pengaruh yang positif dan signifikan secara simultan dari variabel promosi, produk, dan Pelayanan terhadap variabel minat nasbah pro aktif menggunakan bank syariah. Adapun saran dari penelitihan ini Memberikan pengetahuan promosi, produk dan pelayanan yang lebih mendalam kepada nasabah bank syariah, sehingga tidak lagi muncul kesalahan persepsi tentang perbankan syariah. Dimana bank syariah dianggap sama dengan bank konvensional.
Analisis Penerapan Fatwa Dsn Mui No.116/Dsn-Mui/Ix/2017 Tentang Uang Elektronik Syariah pada Produk Kartu Debit Otp Bsi Kc Bogor Pajajaran Sukasari Lonasiah, Lonasiah; Ibnu, Adi Rahmannur; Brawijaya, Andri
Jurnal Inovasi Global Vol. 2 No. 10 (2024): Jurnal Inovasi Global
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jig.v2i10.185

Abstract

Penelitian ini bertujuan untuk mengetahui penerapan fatwa DSN-MUI No.116/DSN-MUI/IX/2017 tentang uang elektronik syariah pada produk kartu debit OTP BSI dengan menggunakan metode penelitian kualitatif. Objek penelitian ini yakni produk kartu debit OTP BSI. Data primer penelitian ini berupa observasi dan wawancara serta data sekunder penelitian ini berupa skripsi, jurnal, buku, dan artikel. Teknik pengumpulan data dengan observasi, wawancara, dan dokumentasi. Teknik analisis data menggunakan model Miles dan Huberman. Penelitian ini menggunakan uji validitas dan reliabilitas. Hasil dari penelitian ini adalah produk kartu BSI debit OTP sudah sesuai dengan fatwa DSN-MUI No.116/DSN-MUI/IX/2017 tentang uang elektronik syariah yang dibuktikan dengan semua ketentuan yang ada pada fatwa sudah diterapkan pada produk kartu BSI debit OTP.
PENGUATAN POTENSI EDUWISATA HALAL DAN DAYA SAING PELAKU USAHA MIKRO DI DESA WATES JAYA MELALUI SERTIFIKASI HALAL Sahlan Hasbi; Rifqi Syahlendra; Andri Brawijaya; Imam Abdul Aziz; Adil Muthi Tsani; Alya Amani; Aulia Putri Hidayat; Farra Diba Maulida Malik; Lisda Khoirunisa; Muhammad Najialah; Octaviana Delia Putri; Samsu Karim Sormin
Prosiding Seminar Nasional Pengabdian Kepada Masyarakat Vol. 6 No. 1 (2025): PROSIDING SEMINAR NASIONAL PENGABDIAN KEPADA MASYARAKAT - SNPPM2025
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Abstrak Meskipun UMKM sangat penting untuk perekonomian desa, mereka sering menghadapi masalah seperti kurangnya informasi, akses ke pasar, dan permodalan. Untuk mengatasi masalah ini, program pengabdian masyarakat Desa Watesjaya menggunakan dua pendekatan utama: workshop sertifikasi halal dan penerapan skema pembiayaan partisipatif Getuk Tular yang difasilitasi BUMDES. Workshop halal meningkatkan pemahaman UMKM tentang pentingnya legalitas produk, dan 12 dari 15 UMKM yang berpartisipasi langsung mendaftarkan usaha mereka ke sistem SIHALAL. Sebaliknya, skema Getuk Tular, inovasi pembiayaan berbasis gotong royong, menawarkan akses permodalan yang lebih inklusif bagi UMKM. Integrasi kedua program ini menunjukkan bahwa daya saing UMKM tidak hanya ditentukan kualitas dan jaminan produk, tetapi juga keberlanjutan akses modal usaha. Hasilnya, UMKM Desa Watesjaya meningkatkan kepercayaan dan kepercayaan pelanggan melalui sertifikasi halal dan meningkatkan kapasitas permodalan melalui Getuk Tular. Oleh karena itu, dengan menggabungkan metode sertifikasi halal dan program pembiayaan partisipatif berbasis BUMDES, dapat diciptakan ekosistem pemberdayaan UMKM yang berkelanjutan, kompetitif, dan dapat diterapkan di desa lain. Abstract Although MSMEs are crucial to the village economy, they often face challenges such as a lack of information, market access, and capital. To address these challenges, the Watesjaya Village community service program employed two main approaches: a halal certification workshop and the implementation of the Getuk Tular participatory financing scheme facilitated by the Village-Owned Enterprise (BUMDES). The halal workshop increased MSMEs' understanding of the importance of product legality, and 12 of the 15 participating MSMEs immediately registered their businesses with the SIHALAL system. Conversely, the Getuk Tular scheme, a mutual cooperation-based financing innovation, offers more inclusive access to capital for MSMEs.The integration of these two programs demonstrates that the competitiveness of MSMEs is not only determined by product quality and assurance, but also by sustainable access to business capital. As a result, MSMEs in Watesjaya Village increased customer trust and confidence through halal certification and increased capital capacity through Getuk Tular. Therefore, by combining halal certification methods and a participatory financing program based on BUMDES, a sustainable, competitive MSME empowerment ecosystem can be created that can be applied in other villages.
The Influence of Financial Technology on the Reformulation of Bank Customer Protection Regulations. Brawijaya, Andri; Nuraeny, Henny; Monaya, Nova
Jurnal Legisci Vol 3 No 3 (2025): Vol 3 No 3 December 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v3i3.974

Abstract

Background. The rapid evolution of financial technology has shifted banking activities toward fully digital environments, creating new opportunities for efficiency while simultaneously exposing customers to broader and more complex risks. Traditional regulatory frameworks, originally designed for conventional banking, often struggle to address issues arising from digital transactions, data processing, and emerging online service models. This situation has prompted regulators and financial institutions to reconsider existing norms to ensure stronger and more adaptive customer protection. Aim. This study aims to examine how technological developments influence regulatory reform in order to strengthen the protection of bank customers. Methods. A qualitative approach is applied through systematic analysis of regulatory developments, institutional policies, and emerging patterns of consumer risk in digital banking. Results. The study finds that technological growth drives regulators to refine customer protection rules, especially in areas related to customer rights, digital accountability, and data security. Banks also adopt updated internal policies to meet evolving regulatory expectations. Conclusions. Financial technology plays a significant role in encouraging regulatory reform, pushing authorities toward more adaptive and forward-looking frameworks. Implication. Continuous regulatory development is essential to ensure that customer protection remains effective as digital financial services continue to advance. Keywords: Financial technology; customer protection; banking regulation; digital banking; regulatory reform.
Regulatory Model of Cash Waqf within the National Legal System and Its Challenges Monaya, Nova; Brawijaya, Andri
Jurnal Legisci Vol 3 No 2 (2025): Vol 3 No 2 October 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v3i2.975

Abstract

Background. Cash waqf has emerged as an important instrument for social and economic development, yet its regulatory framework within the national legal system remains fragmented and inconsistently applied. Aim. This study aims to analyze the structure, effectiveness, and gaps of the current regulatory model governing cash waqf while identifying the challenges faced by key stakeholders. Methods. A qualitative legal approach is used, combining statutory analysis, case studies, and interviews with regulators and waqf managers to evaluate how existing norms function in practice. Results. The study finds that although the legal framework provides a formal foundation for cash waqf management, several issues persist, including overlapping authorities, weak enforcement mechanisms, and limited institutional capacity. Conclusions. A more coherent, integrated, and adaptive regulatory model is required to strengthen legal certainty and improve institutional performance in managing cash waqf. Implication. The findings underscore the need for policymakers, regulators, and waqf institutions to refine governance standards, enhance coordination, and adopt technological innovations to ensure transparent and efficient cash waqf administration. Keywords: Cash Waqf, Regulatory Model, National Legal System, Governance, Legal Challenges, Waqf Institutions
Legal Protection for Property Buyers in Pre-Project Selling Schemes in Indonesia: An Analysis of Compliance with the Consumer Protection Act Martin, Abraham Yazdi; Nuraeny, Henny; Brawijaya, Andri
Jurnal Legisci Vol 3 No 1 (2025): Vol 3 No 1 August 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v3i1.976

Abstract

Background. Pre-project selling has become a dominant marketing strategy in Indonesia’s property sector, yet it often exposes buyers to legal uncertainties, particularly regarding delayed construction and unmet contractual promises. Aim. This study examines the extent to which pre-project selling practices comply with Indonesia’s Consumer Protection Act and evaluates the adequacy of current legal safeguards for property buyers. Methods. Using a normative legal approach, the study analyzes statutory provisions, developer–consumer contracts, and relevant court decisions to identify compliance gaps and recurring legal issues. Results. The findings indicate that although the Act provides fundamental consumer rights, weak enforcement mechanisms, asymmetric information, and inadequate oversight allow developers to circumvent their obligations. Many contractual clauses tend to disadvantage buyers, and dispute resolution often results in limited remedies. Conclusions. Existing regulations do not sufficiently protect consumers in pre-project selling transactions, leaving buyers vulnerable to financial and legal risks. Strengthening regulatory oversight, standardizing contract terms, and enhancing sanctions for non-compliance are crucial to improving consumer protection. Implication. The study contributes to academic discourse on consumer law, provides policy insights for regulators, supports better awareness for society and property buyers, and offers a reference for international scholars examining consumer protection in emerging markets.
Preventing the Exploitation of Indonesian Migrant Workers by Illegal Companies Suhartini, Endeh; Defisa; Rumatiga, Hidayat; Brawijaya, Andri; Habib, Yahya
Jurnal Legisci Vol 3 No 2 (2025): Vol 3 No 2 October 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v3i2.987

Abstract

Exploitation is the excessive, unfair, and unlawful use or exploitation of resources, labor, and other resources for personal or group gain. Legal protection for Indonesian migrant workers employed through AKAN or AKAD must comply with applicable law to ensure legal certainty. Exploitation prevention is achieved by ensuring Indonesian migrant workers' understanding of the procedures and companies sending them. Indonesian migrant workers must work through authorized companies and comply with applicable legal procedures. This study aims to determine the form of legal protection for Indonesian Migrant Workers and recommend efforts that can be made to prevent the exploitation of Indonesian Migrant Workers. This research uses a normative juridical approach, which focuses on analyzing legal texts, legal norms, and applicable legal rules. The research concludes as follows: Preventing the exploitation of Indonesian migrant workers who will enter employment through AKAN (Inter-Country Work Agreements) and AKAD (Inter-Regional Work Agreements) requires Indonesian migrant workers to be more careful in selecting companies that will send them as Indonesian migrant workers and to understand the provisions of laws and regulations related to employment law, as they regulate their rights and obligations, thereby ensuring legal certainty. This research is crucial for developing legal protection for Indonesian migrant workers. It serves as a scientific study that can be referenced by other researchers conducting similar research. It can also serve as a resource for the public to learn about Indonesian labor law.
Co-Authors Abdi Satria, Muhammad Zahfal Abdullah Baharun Abdurrahman, Hamzah Abraham Yazdi Martin Adi Rahmannur Ibnu Adil Muthi Tsani Afiatin Dewi Akhmad Syafi`'i Alawiyah, Dewi Sufi Alya Amani Amrillah, Qonitah Amrillah, Qonitah Anas Alhifni Arfiani Sarah Arif Rohman Hakim Aulia Putri Hidayat Awalia Futri Ba’dana, Fatulloh Nur Bella Pertiwi Danika, Disty Cahya Defisa Dewi Sufi Alawiyah Dina Rahmawati Endeh Suhartini Farra Diba Maulida Malik Firda Novianti Firmasyah, Ilham Habib, Yahya Henny Nuraeny Ilman Khairi Imam Abdul Aziz Jannah, Rifa Ul Junaidi Junaidi Khoirani, Khoirani KHOIRUNNISA Lili Andriyani Lilis Fauziah Balgis Lisda Khoirunisa Lonasiah, Lonasiah Ma'mun, Muhammad Sukron Maman, Asep Mas Nur Mukmin Maya Apriyana Metti Paramita Miftahul Khoir Monaya, Nova Muhamad Komarudin Muhamad Komarudin Muhammad Najialah Mujahidah, Khansa Hanifah Nur Hidayah Agustin Nur Rohmatin Nurma Yunita Octaviana Delia Putri Paramita, Metti Pitriani, Alisah Ramadhani, Tengku Rahmah Reza, Bagas Ali Rifqi Syahlendra Rohmadi, Agung Rohmatin, Nur Rumatiga, Hidayat Rusi Rusmiati Aliyyah Sahlan Hasbi Samsu Karim Sormin Siti Firdaus Siti Maryam Suryani, Danu Teguh Prasetyo Teguh Prasetyo Tengku Rahmah Ramadhani Thantawi, Tubagus Rifqy Trihantana, Rully Wati, Rosna Widia Yunita Wildan Munawar Yanyan Mulyaningsih Zahra, Umu Saidah Fatimah Zahra