Article Per Year (5 Year)
p-Index From 2021 - 2026
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All Journal Neo Journal of economy and social humanities Best Journal of Administration and Management
Maulida, Reska
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Role of Sharia Fintech Implementation in Overcoming Gharar in E-Commerce Transactions to Ensure Sharia Compliance and Transaction Certainty in the Digital Economy in Indonesia Maulida, Reska; Habibi, Ahmad; Fasa, Muhammad Iqbal
Best Journal of Administration and Management Vol 4 No 2 (2025): Best Journal of Administration and Management
Publisher : International Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/bejam.v4i2.378

Abstract

The study aims to analyze the strategic role of Sharia Fintech implementation in overcoming gharar elements in e-commerce transactions in order to ensure Sharia compliance and increase transaction certainty in Indonesia's digital economy ecosystem. Gharar in e-commerce often occurs due to non-conformity of goods, quality uncertainty, and lack of transparency of information, where buyers cannot physically verify the goods. Using a qualitative descriptive approach through literature studies, it was found that Sharia fintechs offer mitigation solutions through innovations such as Sharia smart contracts that automate clear contracts, Sharia escrow systems that hold funds until goods are received, and blockchain-based halal traceability technology for product transparency. The results of the study show that the adoption of this technology significantly minimizes ambiguity, reduces the risk of disputes, and increases consumer confidence, but the main challenges still include low Sharia digital literacy and not yet optimal integration across e-commerce platforms.
Implementation of Good Corporate Governance (GCG) Sharia in Maintaining the Sustainability of Commercial Banks in Indonesia Maulida, Reska; Safira, Isti; Fuadi, Fatih; Iqbal, Muhammad
Neo Journal of economy and social humanities Vol 4 No 4 (2025): Neo Journal of Economy and Social Humanities
Publisher : International Publisher (YAPENBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/nejesh.v4i4.375

Abstract

This study aims to analyze the causal relationship between the implementation of Sharia good Corporate Governance and the long-term operational resilience of Sharia commercial banks, as well as integrating Islamic ethical concepts such as Ihsan and Maqashid Sharia into GCG performance measurement models. This study uses a normative-juridical-qualitative approach that is reinforced by quantitative-descriptive content analysis. The normative approach focused on the evaluation of the regulatory framework and the theological foundation, while the empirical analysis referred to the data of Sharia commercial banks operating in Indonesia for the period 2014-2023. Research shows that effective implementation of Sharia GCG contributes significantly to profitability (ROA) and operational resilience. The Sharia Supervisory Board (DPS) serves as a pillar of integrity with strict legal accountability. Banks that apply the Ihsan principle perform voluntary disclosure, which creates superior Trust Capital. However, the main challenge lies in the substantive implementation due to personal involvement and cultural challenges such as mental corruption. Good Sharia Corporate Governance is a non-negotiable prerequisite for the sustainability of Sharia commercial banks in the financial, ethical, and social dimensions. The effectiveness of Sharia Good Corporate Governance positions the bank to meet the dual objectives of mundane and ukhrawi accountability, with ethical transparency and Islamic Social Reporting (ISR) reporting as an important instrument in maintaining stakeholder trust.
Co-Authors ahmad habibi Fuadi, Fatih Muhammad Iqbal Muhammad Iqbal Fasa Safira, Isti