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All Journal IJECS: Indonesian Journal of Empowerment and Community Services Tasharruf : Journal of Islamic Economics and Business MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Saiful Bakhri
Universitas Nahdlatul Ulama Pasuruan
Religion Humanities Economics, Econometrics & Finance Education Health Professions Public Health Social Sciences

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Mekanisme Pembiayaan Berbasis Digital pada Fintech Syariah Peer To Peer Lending Hanim Misbah; Saiful Bakhri; Risa Umami; Kharina Arifia
Tasharruf : Journal of Islamic Economics and Business Vol. 6 No. 1 (2025): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v6i1.1149

Abstract

The rapid advancement of information technology has significantly transformed financial services, giving rise to digital innovations such as Islamic Peer-to-Peer (P2P) Lending Fintech. This platform offers a Sharia-compliant financing alternative, primarily targeting Micro, Small, and Medium Enterprises (MSMEs) that often face barriers in accessing traditional bank loans. This study aims to analyze the digital financing mechanism within Islamic P2P lending, examining its regulatory framework, underlying Islamic contracts, operational structure, and key distinctions from conventional models. The findings indicate that Islamic P2P lending operates on core Sharia principles prohibiting riba (usury), gharar (uncertainty), and maysir (speculation) and utilizes contracts such as mudharabah (profit-sharing), musyarakah (joint venture), wakalah bil ujrah (fee-based agency), and al-qardh (benevolent loan). The study concludes that Islamic P2P lending enhances financial inclusion by providing accessible, transparent, and ethically structured digital financing, thereby supporting the growth of MSMEs and promoting the broader development of Indonesia's Islamic financial ecosystem.
Fintech Untuk Semua Menjembatani Kesenjangan Akses Keuangan di Pedesaan Indonesia 2025 Nur Aima Shafie1; Saiful Bakhri; Risa Umami
Tasharruf : Journal of Islamic Economics and Business Vol. 6 No. 2 (2025): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v6i2.1153

Abstract

This study analyzes the strategic role of fintech in addressing the gap in access to rural finance in Indonesia in 2025, using a qualitative approach by applying the literature review method. Structural gaps remain critical (rural financial inclusion index: 75.7% vs urban 89.2%), triggered by a triad of digital infrastructure problems(22% of villages have unstable electricity), dual literacy (only 35% understand fintech products), and gender gap (female account ownership: 74.3%).Through a qualitative approach, the 2026-2030 Agenda focuses on regulatory harmonization.blockchain, gender affirmation (40% quota of female LKD agents), expansiongreen fintechfor renewable energy, as well as the construction of 300 4G/5G towers and trainingcyber hygiene20,000 agents. Research concludes that rural financial justice can only be achieved through the integration of adaptive regulation-inclusive infrastructure-local wisdom-based education,with risk mitigationdigital colonialism and ESG principles as pillars of sustainability.
Strengthening Literacy of ABACAGA Method at PNF PKBM KRI Embassy Malaysia Faridatus Sholiha; Faradila Aini; Mohamad Mahsun; Haidar Idris; Saiful Bakhri; Zainul Arifin; Ahmad Ihwanul Muttaqin; Ihya’ Ulumudin; Muhammad Masyhuri; Syamsul Arifin; Muhammad Abdul Halim Sidiq
IJECS: Indonesian Journal of Empowerment and Community Services Vol. 6 No. 2 (2025): IJECS: Indonesian Journal of Empowerment and Community Services
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/ijecs.v6i2.7089

Abstract

ABSTRACT Some Indonesian students aged 10–12 at the Indonesian Embassy in Malaysia's PNF Learning Center (PKBM PNF) still demonstrate low basic literacy skills. This condition is related to family backgrounds that do not have clear legal status due to unregistered marriages and the lack of valid citizenship documents. In addition, parental involvement in accompanying children's learning process at home is relatively low due to the demands of full-time work. This study aims to accompany and improve basic literacy skills through the ABACAGA Guidebook and contextual fiqh materials. The population in this study were PMI elementary school children in grades 1 and 2 with a sample of 20 students. This study used a qualitative empirical method with a participatory approach. Data were obtained through observation, interviews, pre-tests and post-tests, and direct documentation in the field. The conclusion from the results of this mentoring was able to improve basic literacy skills, strengthen children's learning habits, and introduce basic fiqh understanding such as ablution, prayer, and short readings. Each child we support shows varying levels of progress, proving that all children excel in their own talents, and with the right approach, they can develop optimally, even with limitations.   Keywords: literacy, abacaga method, Islamic jurisprudence
Analisis Pengaruh FDR dan BOPO terhadap Kinerja Keuangan (ROA dan ROE) pada Bank Syariah Indonesia Fathmah Hanum; Mugiyati Mugiyati; Muhammad Ahsan; Saiful Bakhri
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/s3dqnp35

Abstract

The establishment of Bank Syariah Indonesia (BSI) through the merger of three state-owned Islamic banks marked a significant transformation in Indonesia’s Islamic banking industry, creating new challenges and opportunities related to profitability, financing expansion, and operational efficiency. Financial performance during the post-merger period can be evaluated through profitability indicators, particularly Return on Assets (ROA) and Return on Equity (ROE), which reflect management effectiveness in utilizing assets and shareholders’ equity. Quarterly financial statement data from 2021–2025 were analyzed using descriptive statistics, Pearson correlation, and multiple linear regression to examine the relationship between Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (BOPO), and financial performance. The findings indicate that FDR is positively associated with profitability, suggesting that increased financing distribution contributes to improved financial returns. Conversely, BOPO demonstrates a strong negative relationship with both ROA and ROE, indicating that operational efficiency plays a decisive role in enhancing profitability. The regression results confirm that FDR and BOPO jointly explain a substantial proportion of variations in financial performance, with BOPO emerging as the more dominant determinant. These findings highlight that the success of BSI’s post-merger transformation is driven not only by financing growth but also by the ability to maintain operational efficiency. The study contributes empirical evidence on the financial dynamics of Indonesia’s largest Islamic bank during the post-pandemic recovery and institutional consolidation period.
Co-Authors Ahmad Ihwanul Muttaqin Faradila Aini Faridatus Sholiha Fathmah Hanum Haidar Idris Hanim Misbah Ihya Ulumudin Kharina Arifia Mohamad Mahsun Mugiyati Muhammad Abdul Halim Sidiq Muhammad Ahsan Muhammad Masyhuri Nur Aima Shafie1 Risa Umami Syamsul Arifin ZAINUL ARIFIN