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All Journal International Journal of Economics, Accounting, and Management Jurnal Ilmiah Manajemen Dan Kewirausahaan
Siti Itsna Syamsiyah
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Economics, Econometrics & Finance

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Penerapan Prinsip Syariah dalam Produk Pembiayaan: Studi Kasus pada Lembaga Pembiayaan Syariah di Indonesia Siti Itsna Syamsiyah; Vina Maratus Salsabila; Putri Shinta Dewi; Mashudi Mashudi; Qomarul Huda
Jurnal Ilmiah Manajemen dan Kewirausahaan Vol. 4 No. 2 (2025): Jurnal Ilmiah Manajemen dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimak.v4i2.4673

Abstract

This study aims to analyze the extent to which Sharia principles are implemented in financing products by Islamic financial institutions in Indonesia, with a focus on a case study of Bank Syariah Indonesia (BSI). This research employs a qualitative method with a literature study approach. The findings indicate that although financing products such as murabahah, ijarah, musyarakah, and mudharabah are theoretically designed in accordance with Sharia principles, in practice there are still deviations, particularly in procedural aspects and the execution of contracts (akad). One of the analyzed cases reveals an asset auction process involving a customer's collateral that is considered inconsistent with the principles of justice, deliberation (musyawarah), and transparency. This highlights the need for a comprehensive reinforcement of Sharia principles implementation—not only in product design but also in operational procedures and dispute resolution mechanisms. The study recommends enhancing Sharia literacy, evaluating internal standard operating procedures (SOPs), and ensuring more active supervision by the Sharia Supervisory Board to ensure that Islamic principles are genuinely embodied in the practices of Islamic finance in Indonesia.
Comparative Analysis of Wealth Redistribution: Fiscal Instruments of the Prophet's Era and Indonesia's Fiscal Policy in Poverty Reduction Siti Itsna Syamsiyah; Muhamad Agus Alfiyan Nur Ahmada; Muhamad Aqim Adlan; M. Arif Faizin
International Journal of Economics Accounting and Management Vol. 2 No. 5 (2026): IJEAM - January 2026
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60076/ijeam.v2i5.1770

Abstract

This study aims to analyze the comparative study of wealth redistribution from fiscal instruments from the Prophet Muhammad's era and Indonesian fiscal policy in poverty alleviation. Using qualitative research methods with a literature review approach, it was found that the Islamic financial system has had a clear, structured framework, and a social justice orientation since its inception. Zakat is a key pillar, not only an individual act of worship but also a fiscal instrument managed by the state through the Baitul Mal (the Islamic treasury). In addition to zakat, there are other sources such as ghanimah, fai', jizyah, kharaj, usyr, khums, as well as voluntary contributions in the form of infaq, sadaqah, and waqf. When compared with modern Indonesian fiscal policy, there are fundamental differences both in revenue sources and management mechanisms. Indonesia places taxes as the fiscal backbone. The comparative analysis shows that the Prophet Muhammad's fiscal system excels in aspects of target certainty, mechanism simplicity, and a strong moral-spiritual foundation. Meanwhile, the Indonesian fiscal system excels in aspects of modern institutions, legal frameworks, and the ability to manage a more complex economic scale. Indonesia's biggest challenge is how to bridge the Islamic values ​​of social justice with contemporary fiscal policy practices
Co-Authors M. Arif Faizin Mashudi Mashudi Muhamad Agus Alfiyan Nur Ahmada Muhamad Aqim Adlan Putri Shinta Dewi Qomarul Huda Vina Maratus Salsabila