Lutfi Nawa Salsabil
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IMPLEMENTASI FINTECH PADA LEMBAGA KEUANGAN SYARIAH DI KABUPATEN TEGAL DALAM MENINGKATKA KEUANGAN INKLUSIF Mursekha; Lutfi Nawa Salsabil
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 5 No 1 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v5i1.2181

Abstract

This study was conducted to determine how the implementation of financial technology (fintech) in Islamic financial institutions in increasing financial inclusion. The approach used in this study is a qualitative field research method. Data collection techniques in this study use data triangulation including documentation, interviews, and observations, data analysis used is by applying thematic analysis, which consists of three main stages, namely data reduction by selecting and organizing data based on main categories, data presentation. Based on field data, the results obtained that several LKS have developed Islamic mobile banking applications, digital payment systems, and online financing services based on Islamic contracts such as murabahah and ijarah, fintech has been proven to be able to increase public access to Islamic financial services, especially for unbanked and underbanked community groups. In its implementation, the Financial Institutions (LKS) in Tegal Regency stated that they adhere to Sharia principles through the supervision of the Sharia Supervisory Board (DPS). Challenges faced by LKS in implementing fintech include limited technological infrastructure in rural areas and low digital literacy among the public. Fintech implementation has had a positive impact on LKS performance, particularly in terms of increasing the number of customers, operational efficiency, and ease of service access. The active role of the DPS is also key to ensuring that the digital transformation remains within Sharia principles and has a broad impact on equitable financial inclusion.
PENGUATAN DINAR DAN DIRHAM SEBAGAI SOLUSI KRISIS EKONOMI DAN KETIMPANGAN SOSIAL DI INDONESIA: KAJIAN EKONOMI MAKRO ISLAM Lutfi Nawa Salsabil; Nova Dwi Safitri; Ahmad Romzi Awaludin; Ahmad Faqih Udin
Iqtishodiah: Jurnal Ekonomi dan Perbankan Syariah Vol. 7 No. 2 (2025): Iqtishodiah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62490/iqtishodiah.v7i2.1222

Abstract

Krisis moneter yang berulang di Indonesia menyoroti kelemahan sistem uang fiat yang tidak memiliki nilai intrinsik dan rentan terhadap inflasi, depresiasi, serta manipulasi kebijakan. Dalam konteks ekonomi Islam, sistem moneter berbasis dinar dan dirham—yang berlandaskan emas dan perak—menawarkan alternatif yang adil, stabil, dan sesuai prinsip syariah. Penelitian ini bertujuan untuk menganalisis kelemahan uang fiat, meninjau kembali sejarah dan nilai dinar-dirham, serta mengevaluasi potensi penerapan keduanya di Indonesia. Dengan menggunakan metode kualitatif dan pendekatan studi pustaka, hasil penelitian menunjukkan bahwa dinar dan dirham dapat menjadi solusi atas krisis ekonomi dan ketimpangan sosial. Namun, implementasinya menghadapi tantangan berupa minimnya literasi masyarakat, belum tersedianya infrastruktur pendukung, serta belum adanya regulasi yang kondusif. Dakwah ekonomi menjadi strategi penting dalam membangun kesadaran umat terhadap keunggulan sistem keuangan syariah berbasis logam mulia sebagai bagian dari transformasi menuju ekonomi yang berkeadilan.