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All Journal NISBAH: JURNAL PERBANKAN SYARIAH Gunung Djati Conference Series Jurnal Ilmiah Ekonomi dan Manajemen Ekonomi Keuangan Syariah dan Akuntansi Pajak Jurnal Ekonomi Manajemen Dan Bisnis (JEMB)
Fauziah, Raihani
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Religion Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Other

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Sengketa Pembiyaan di Baitul Maal Wat Tamwil (BMT): (Studi Kasus Mekanisme Penyelesaian di Tingkat Internal) Nugraha, Aldi; Fadhlan, Muhammad; Rafa, Mukhamad; Nurmaliah, Ima; Joni, Joni; Fauziah, Raihani
Ekonomi Keuangan Syariah dan Akuntansi Pajak Vol. 2 No. 4 (2025): Ekonomi Keuangan Syariah dan Akuntansi Pajak (EKSAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/eksap.v2i4.1572

Abstract

This study examines how Baitul Maal wat Tamwil (BMT) resolves financing disputes internally. Employing a qualitative approach with library research, the study draws on scholarly articles, books, and related documents. Data were analyzed descriptively and qualitatively to identify common internal settlement practices that align with Sharia principles and national law. Results indicate that BMTs typically use deliberation among parties, mediation involving management or the Sharia Supervisory Board, and restructuring of financing as primary means to resolve conflicts. These options are favored to preserve institutional-member relationships and reduce adverse financial and social consequences. When internal measures do not succeed, disputes may be referred to Sharia arbitration or to religious courts. The findings highlight the importance of blending Sharia values with positive legal frameworks to ensure dispute resolution is fair, efficient, and sustainable.
PENGARUH INTELLECTUAL CAPITAL DAN ISLAMIC PERFORMANCE INDEX TERHADAP KINERJA BANK UMUM SYARIAH DI INDONESIA Fauziah, Raihani; Novianty, Ira; Mai, Muhamad Umar
NISBAH: Jurnal Perbankan Syariah Vol. 10 No. 1 (2024): 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.v10i1.13661

Abstract

Tujuan dari  penelitian ini untuk mengetahui bagaimana pengaruh Intellectual Capital dan Islamic Performance Index terhadap kinerja keuangan Bank Umum Syariah di Indonesia periode 2013-2023. Dunia perbankan yang terus berkembang setiap tahunnya menuntut perbankan syariah untuk bersaing dengan perbankan konvensional. Jumlah nasabah dan pangsa pasar masih didominasi oleh perbankan konvensional, artinya bank syariah harus mampu meningkatkan profitabilitasnya dengan memperhatikan nilai tambah melalui intelektual dan kepatuhan syariah. Analisis ini menggunakan regresi data panel dengan Structural Equation Model Partial Least Square (SEM-PLS), yang diimplementasikan menggunakan software WarpPLS 8.0. Temuan penelitian ini menunjukkan bahwa kinerja Bank Umum Syariah VAIC dipengaruhi positif secara signifikan oleh VAIC. Ketiga indikator yang digunakan dalam mengukur IC VACA mempunyai pengaruh positif yang cukup besar; VAHU dan VACA tidak berpengaruh terhadap ROA. Sedangkan untuk IPI, PSR dan IsIN berpengaruh terhadap ROA, dan ZPR tidak berpengaruh terhadap ROA.
Kajian Literatur Mengenai Subrogasi, Restorno, Endorsement, dan Klausula Pada Polis Asuransi Syariah Utari, Diana Putri; Widyaningtias, Anabilla Alma; Aslamiyah, Tsuwaebatul; Joni Joni; Fauziah, Raihani
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 11 (2025): November
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i11.7044

Abstract

This study aims to examine in depth the relationship between subrogation, restorno, endorsement, and clauses in sharia insurance policies, by reviewing their suitability based on the commercial law perspective contained in the Commercial Law Code (KUHD) and the principles of Islamic law that form the basis for the implementation of sharia insurance in Indonesia. The research also focuses on analyzing how these four elements are interrelated in forming a legal and operational structure for sharia insurance policies that is fair, transparent, and in accordance with sharia values. The research method used is descriptive qualitative with a library research approach, which collects data from various literature sources, such as books, journals, and regulations related to sharia insurance. The results of the study show that these four elements complement each other in forming the legal and operational structure of sharia insurance policies. Clauses form the basis of the agreement, endorsements serve to accommodate changes, subrogation maintains the sustainability of tabarru' funds, and restorno reflects fairness in the distribution of surpluses. The implementation of these elements must be in accordance with sharia principles, positive law, and DSN-MUI fatwas in order to create a fair, transparent, and sustainable insurance system.  
Analisis Konsep Akad Tijarah dalam Asuransi Syariah: Tinjauan Teoritis Firda Silvia, Vivi; Fadila Shalma, Naiya; Fazrinuriko, Rifda; Joni; Fauziah, Raihani
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 3 No. 2 (2025): November
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v3i2.5969

Abstract

Mudharabah merupakan salah satu akad yang penting dalam sistem keuangan syariah, yang didasarkan pada prinsip kerja sama dan pembagian keuntungan antara dua pihak, yaitu pemilik modal (shahibul maal) dan pengelola usaha (mudharib). Dalam akad ini, keuntungan yang diperoleh dari hasil usaha akan dibagi sesuai dengan nisbah atau proporsi yang telah ditentukan sejak awal.Penelitian ini menggunakan pendekatan kualitatif dengan jenis penelitian deskriptif. Sumber data dalam penelitian ini berasal dari data sekunder yang diperoleh melalui studi pustaka dan analisis dokumenbagi hasil merupakan sistem yang meliputi tata cara pembagian hasil usaha antara pemilik dana dan pengelola dana. Dalam hukum Islam, penerapan sistem bagi hasil harus berlandaskan prinsip At-Ta’awun, yaitu saling tolong-menolong dan bekerja sama demi kebaikan bersama di antara anggota masyarakat. Implementasi akad mudharabah dalam asuransi syariah memiliki tujuan untuk menciptakan sistem keuangan yang sejalan dengan prinsip-prinsip syariah Islam, yang menghindari unsur gharar (ketidakpastian), riba (bunga), dan maisir (spekulasi). Dalam konteks asuransi syariah, mudharabah berperan sebagai mekanisme pengelolaan dana peserta secara profesional dan transparan. Dana kontribusi peserta diinvestasikan ke dalam instrumen halal, dan hasilnya dibagi berdasarkan nisbah yang telah disepakati. Sistem ini tidak hanya memberikan manfaat finansial, tetapi juga memperkuat nilai solidaritas sosial melalui prinsip tabarru’ (tolong-menolong).
Utilization of Islamic Fintech with a Crowdfunding Method to Optimize Zakat Fund Collection Alya Fadila Hilman, Naila; Maman Pathulrohman, Dede; Siska Sintia Muhtari, Pricila; Fauziah, Raihani; Ghifary Alba Wahyudi, Araya
Gunung Djati Conference Series Vol. 60 (2025): The 10th Conference Series Learning Class: Religious and Social Humaniora
Publisher : UIN Sunan Gunung Djati Bandung

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

Abstract

This research aims to provide an alternative to collecting zakat funds by utilising a digital platform that facilitates the community in terms of distribution and collection of funds. Optimising the use of zakat funds can solve social challenges such as poverty and income inequality. This research uses qualitative methods to analyse the factors and barriers in zakat payment from various sources, with the aim of understanding more deeply about the optimisation of zakat fund collection by considering the problems faced by the community. This research found that the financial technology system with crowdfunding method is able to optimise the collection and distribution of funds that allow individuals or groups to contribute funds collectively, in this case zakat. The cooperation between financial technology platform providers and Lembaga Amil Zakat (LAZ) has enabled muzaki to pay zakat flexibly, through transfer payment and selection of trusted amil, using only internet access. This method will expand the reach of zakat fund recipients and collectors. Although this payment model has started to be used by Badan Amil Zakat Nasional (BAZNAS) and Islamic banks, it has not been fully optimised in Indonesia. The main challenges include uneven accessibility for all levels of society and limited digital literacy.
Co-Authors Alya Fadila Hilman, Naila Aslamiyah, Tsuwaebatul Fachry Abda El Rahman Fadila Shalma, Naiya Fazrinuriko, Rifda Firda Silvia, Vivi Ghifary Alba Wahyudi, Araya Joni Joni Joni Joni Joni Maman Pathulrohman, Dede Mochamad Umar Mai Novianty, Ira Nugraha, Aldi Nurmaliah, Ima Rafa, Mukhamad Siska Sintia Muhtari, Pricila Utari, Diana Putri Widyaningtias, Anabilla Alma