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All Journal International Conference on Islamic Economic Journal of Integrative Sustainability and Ethics
Nisa', Rifqun
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Economics, Econometrics & Finance

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The Competitive Advantages of NURI East Java Savings and Loans Cooperatives and Sharia Financing in the Perspective of the Diamond Strategy Nisa', Rifqun; Samsuri, Andriani
International Conference on Islamic Economic (ICIE) Vol. 1 No. 2 (2022): October
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v1i2.199

Abstract

This study aims to determine the application of competitive advantage to the NURI Sharia and Loans and Financing Cooperative (KSPPS NURI JATIM) in the diamond strategy prespective. The research methodology used is qualitative with a descriptive approach. Data collection was carried out by observation, documentation and interview methods. The data sources in this study were the Director of KSPPS NURI JATIM, administrators of KSPPS NURI JATIM, and members of KSPPS NURI JATIM. The research result obtained are KSPPS NURI JATIM’s competitive advantage in terms of marketing management, financial management, information management, and human resource management that have made efforts and are in accordance with ideal conditions. The potential of KSPPS NURI JATIM in the diamond strategy, KSPPS NURI JATIM must continue to improve service quality and expand marketing areas.
Scholars' Views on the Use of Robo-Advisors in Sharia Investment: A Study of Fatwa and Its Application Nisa', Rifqun; mugiyati, mugiyati
Journal of Integrative Sustainability and Ethics Vol. 1 No. 1 (2025): June
Publisher : Master and Doctoral Program in Islamic Economics, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/jibec.2025.1.1.70-80

Abstract

The rapid advancement of digital technology has transformed the global financial landscape, introducing robo-advisors as a prominent innovation in investment management, including within Islamic finance. However, the adoption of robo-advisors by Muslim investors raises critical questions regarding their compliance with Shariah principles, particularly concerning the avoidance of riba, gharar, and maysir. This study aims to examine the perspectives of Islamic scholars on the use of robo-advisors in Shariah-compliant investments through a qualitative literature review of contemporary fiqh sources, academic journals, and official fatwas. The findings reveal that most scholars cautiously permit the use of robo-advisors, provided that certain conditions are met, such as the validity and transparency of the system, the absence of prohibited elements, and the presence of human oversight in complex decision-making. The regulatory framework in Indonesia, while guided by DSN-MUI and AAOIFI standards, remains in development and requires further adaptation to address the unique challenges posed by robo-advisory technology. This research contributes to the discourse on Islamic financial technology by offering a conceptual framework for the Shariah compliance of robo-advisors and highlighting the need for collaboration between regulators, scholars, and industry practitioners. The results underscore the importance of continuous innovation and regulatory development to ensure that technological advancements in investment management align with Islamic ethical and legal standards.
Co-Authors Andriani Samsuri Mugiyati