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All Journal ASAS : Jurnal Hukum Ekonomi Syariah El-Ecosy : Jurnal Ekonomi dan Keuangan Islam
Ramadhani, Rahma Nazila
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Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Mekanisme Penjualan Kembali Sukuk Ijarah Perspektif Hukum Ekonomi Syariah Yulianti , Yeni; Nazila Ramadhani , Rahma; Arzaki Zulmuayat, Muhammad; Jaenuddin, Jaenuddin; Attaubah , Agi; Yulianti, Yeni; Ramadhani, Rahma Nazila; Elly, Yuni; Freddy, Rivaldo; Jaenudin, Jaenudin; Hidayat, Agi Attaubah
ASAS Vol. 17 No. 01 (2025): Asas, Vol. 17, No. 01 Juni 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v17i1.24606

Abstract

Sukuk ijarah is one of the rapidly growing Islamic capital market instruments and is tradable in the secondary market. However, ambiguity remains regarding the resale mechanism of such sukuk, particularly concerning compliance with Sharia principles and prevailing legal frameworks. This study aims to examine the permissibility of sukuk ijarah resale from the perspective of Islamic economic law and to assess the role of Islamic financial institutions in ensuring Sharia-compliant transactions. The research employs a normative juridical method with data collected through literature study of primary and secondary legal sources. The findings indicate that the resale of sukuk ijarah is permissible as long as it is based on real assets rather than debt instruments and conducted at a fair market value. Key Sharia principles such as justice, transparency, and the prohibition of gharar, maysir, and riba are generally upheld in practice. Nonetheless, more comprehensive regulations are required to clarify the responsibilities of Islamic financial institutions in overseeing secondary market sukuk transactions. This study recommends regulatory enhancement to ensure a fair, transparent, and legally certain secondary market environment, thereby increasing investor confidence in Islamic financial instruments.
DO FINTECH ADOPTION AND FINANCIAL PERFORMANCE AFFECT ISLAMIC BANK MARKET SHARE? A FEM APPROACH Wirdyansyah, Danial Muhammad; Azzahra, Shafira Apriliesya; Ramadhani, Rahma Nazila
El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Vol 5, No 2 (2025): July(El-Ecosy: Jurnal Ekonomi dan Keuangan Islam)
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35194/eeki.v5i2.5224

Abstract

This study explores the impact of fintech adoption on the market share of seven Islamic Commercial Banks (BUS) over a three-year observation period (2021-2023). Using a quantitative approach based on the Fixed Effect Model (FEM) and panel data from financial statements, the results show that fintech adoption has a positive and significant effect on market share, with a p-value of 0.000. Services such as mobile banking, digital payment systems, and online financing platforms contribute to increasing the accessibility of Islamic financial services and strengthening financial inclusion. Emerging markets show rapid expansion of fintech, making digital transformation a key factor in improving the competitiveness of Islamic banking. Therefore, regulations are needed that support fintech innovation while ensuring compliance with Shariah principles. In addition, strengthening cybersecurity, improving user experience, and integrating artificial intelligence-based financial solutions can further increase the market share of Islamic banking. The findings provide insights for Islamic banks in developing fintech-based business strategies, as well as a basis for further research to examine the long-term sustainability of fintech adoption in the Islamic banking ecosystem
Co-Authors Arzaki Zulmuayat, Muhammad Attaubah , Agi Azzahra, Shafira Apriliesya Elly, Yuni Freddy, Rivaldo Hidayat, Agi Attaubah Jaenuddin, Jaenuddin Jaenudin Jaenudin Nazila Ramadhani , Rahma Wirdyansyah, Danial Muhammad Yulianti , Yeni Yulianti, Yeni