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All Journal JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) IIJSE
Zahira, Fitri Nada
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Economics, Econometrics & Finance Education

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Strategi Mitigasi Pinjaman Online Berbasis Literasi Keuangan Syariah (Penelitian Kasus Mahasiswa Institut Syekh Abdul Halim Hasan Binjai) Zahira, Fitri Nada; Barus, Elida Elfi
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 9 No 1 (2025): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v9i1.29818

Abstract

The purpose of this study is to determine the understanding of online loan mitigation strategies based on Islamic financial literacy in INSAN Binjai students. The research method used in this study is qualitative. The population in this study is all INSAN Binjai students. The sample used in this study is students and professionals of the sharia economics study program with certain considerations. The data collection techniques used are interviews and documentation. Interviews were conducted with INSAN Binjai students and Islamic finance professionals. The analysis technique used is SWOT analysis. The results of the study show that there are four suggested approaches to solve the problem of online loans: (1) Holding Islamic financial literacy programs, such as seminars and training, (2) Using social media to disseminate information, (3) Establishing Islamic microfinance institutions that offer education financing, such as installment schemes with affordable margins or Qardhul Hasan contracts (benevolent loans) and (4) Providing counseling services for individuals facing this problem. It is hoped that this method will increase students' knowledge of finance, reduce the use of online loans, and encourage Islamic-based financial management
The Resilience of the Sharia Economic System in Facing Various Crises in Post-Pandemic Indonesia Waqqosh, Abi; Sari, Emilia Embun; Ananda, Faisar; Zahira, Fitri Nada; Nurhalimah, Siti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.8547

Abstract

Sharia economics is considered to be a fairer and more stable economic system than conventional economics. This study aims to analyze the resilience of the Islamic economy in the face of the crisis, which proved to be better in 2008. Many Islamic banks have stronger resilience than conventional banks that use a lot of speculative instruments. Although there is a lot of research on Sharia economic resilience during the pandemic, there is still a lack of studies on post-pandemic resilience. The post-pandemic situation is very important because it builds the economy after a difficult crisis, including in Indonesia, where there is a slowdown in economic growth. The Indonesian government has taken many steps, including monetary policies for economic recovery, such as the PEN Program, which provides tax incentives, the recovery of SOEs, and support for MSMEs. This study has two hypotheses: whether or not the sharia economy is strong in the face of post-pandemic economic instability. The method used is qualitative with expert exploration and comparative analysis. The results show that the sharia economy has advantages such as a fair profit-sharing system, but also faces challenges such as a lack of capital and innovation. Therefore, strengthening regulations and public education is very important for the development of the sharia economy in the future.
Co-Authors Ananda, Faisar Elida Elfi Barus, Elida Elfi Sari, Emilia Embun Siti Nurhalimah Waqqosh, Abi