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All Journal JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi IIJSE
Paripurna, Danial
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Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice

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Satu Dekade Perkembangan Surat Berharga Syariah Negara (SBSN) di Indonesia: Analisis Peluang dan Tantangan Paripurna, Danial; Hidayat, Rahmat; Saharuddin, Desmadi
JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi Vol 24 No 3 (2025): September 2025
Publisher : LP2M STAI Miftahul 'Ula (STAIM) Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29138/lentera.v24i3.1804

Abstract

This paper examines the development of State Sharia Securities (Surat Berharga Syariah Negara/SBSN) in Indonesia over the past decade, focusing on the opportunities and challenges faced in its implementation. SBSN, or sovereign sukuk, is a Sharia-compliant financial instrument issued by the government to support the financing of the State Budget (APBN) and to stimulate the growth of the Islamic financial market. Since its first issuance in 2008, SBSN has shown significant growth in terms of investor numbers, issuance value, and product diversification. The government has developed various sukuk schemes including Green Sukuk and Mudharabah Sukuk to fund strategic and sustainable development projects. This paper also highlights ongoing challenges such as dependence on budget deficits, limited underlying assets, and the need for inter-agency coordination. Nevertheless, supported by strong regulatory frameworks and Sharia rulings, SBSN has great potential to become a key instrument in inclusive and Sharia-compliant development financing.
Muslim Perceptions of Sharia Contracts in Home Financing at Bank Syariah Indonesia Paripurna, Danial; Muhajirin, Muhajirin; Hidayah, Nur
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1: Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8343

Abstract

This study aims to analyze the level of Muslim consumer awareness of Sharia contracts in financial transactions, their perceptions of Islamic Home Ownership Credit (KPR) products, and the strategies implemented by Bank Syariah Indonesia (BSI) in addressing the challenges of Sharia-compliant mortgage implementation. Using a qualitative approach with a literature study method, data were collected from various academic sources, official reports, and publications from financial institutions and government agencies. The findings indicate that the level of Sharia financial literacy among the public remains low, resulting in limited understanding of contract principles such as murabahah, istisna’, ijarah muntahiya bit tamlik, and musharakah mutanaqisah. Consumer perceptions also reveal doubts regarding the implementation of contracts, which are often viewed as deviating from Sharia principles. Meanwhile, BSI's strategies focus on institutional consolidation, expanding financial literacy, and offering competitive products to build trust and enhance Sharia financial inclusion. This study recommends increasing public education and ensuring transparency in contracts to strengthen public trust in Sharia-compliant mortgage products.
Co-Authors Desmadi Saharuddin, Desmadi Muhajirin, Muhajirin Nur Hidayah Rahmat Hidayat