Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Journal of Artificial Intelligence and Digital Business AHKAM : Jurnal Hukum Islam dan Humaniora
Damayanti, Evika
Unknown Affiliation
Humanities Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Tantangan Adopsi Produksi Bank Syariah: Persepsi dan Pengalaman Umat Jureid, Jureid; Adelina, Selvi; Damayanti, Evika; Nurhifdah, Thalita; Mardana, Yahya
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.5026

Abstract

Adopsi produk perbankan syariah di kalangan umat Islam masih menghadapi berbagai hambatan yang bersifat multidimensional, meliputi aspek literasi keuangan, kesiapan teknologi dan infrastruktur, serta tingkat kepatuhan terhadap prinsip-prinsip Islam. Rendahnya tingkat penerimaan produk perbankan syariah sebagian besar disebabkan oleh keterbatasan pengetahuan masyarakat mengenai karakteristik, mekanisme, dan keunggulan produk keuangan syariah yang memiliki sistem dan akad berbeda dari perbankan konvensional. Kompleksitas konsep akad, sistem bagi hasil, serta persepsi bahwa produk syariah kurang praktis dan kurang kompetitif turut memengaruhi minat masyarakat dalam menggunakannya. Selain itu, perkembangan transformasi digital dalam sektor perbankan syariah menghadirkan tantangan baru, seperti integrasi sistem teknologi informasi, perlindungan keamanan siber, serta tuntutan inovasi produk yang tidak hanya modern dan mudah diakses, tetapi juga tetap sesuai dengan prinsip-prinsip syariah. Tantangan tersebut semakin diperkuat oleh kendala internal lembaga perbankan syariah, termasuk kesiapan sumber daya manusia, kapasitas manajemen, serta kemampuan institusi dalam beradaptasi terhadap perubahan teknologi dan kebutuhan pasar. Di sisi lain, regulasi yang relatif ketat juga menjadi faktor penghambat dalam pengembangan dan perluasan layanan perbankan syariah. Oleh karena itu, diperlukan upaya strategis yang terintegrasi melalui peningkatan literasi keuangan syariah, penguatan infrastruktur digital, pengembangan inovasi produk, serta peningkatan kompetensi sumber daya manusia guna mendorong penerimaan dan pemanfaatan produk perbankan syariah secara lebih luas dan berkelanjutan.
Analisis Perkembangan Ekosistem Investasi Syariah di Negara-Negara Berpendapatan Menengah: Peluang dan Tantangan Pengembangannya Zumaedi, Aril; Alfandi, Risky; Hannum, Sarika; Damayanti, Evika; Rahmat, Paisal
AHKAM Vol 5 No 3 (2026): AHKAM: Jurnal Hukum Islam dan Humaniora
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ahkam.v5i3.10509

Abstract

The development of the Islamic investment ecosystem in middle-income countries has become an important issue in the global financial industry because of its potential to increase financial inclusion and support sustainable development. Although various studies have discussed Islamic finance, studies that comprehensively analyze the development of the Islamic investment ecosystem along with its opportunities and challenges in middle-income countries remain limited. This study aims to analyze the development of the Islamic investment ecosystem, identify supporting factors and opportunities for its development, and examine the challenges faced. This study used a qualitative approach with a multi-case study design. Data were collected through documentation studies of policy documents, Islamic finance industry reports, regulator publications, reports from international institutions, and relevant scientific articles, then analyzed using thematic analysis through the processes of reduction, categorization, interpretation, and conclusion drawing. The results showed that the development of Islamic investment is marked by the growth of the Islamic capital market, increased sukuk issuance, the development of Islamic fintech, and regulatory strengthening. The growth of the Muslim population, increasing awareness of halal investment, advances in financial technology, and integration with sustainable finance are the main factors supporting this development. However, Islamic investment still faces challenges in the form of low Islamic financial literacy, limited infrastructure, lack of product innovation, regulatory differences, and digital security risks. The conclusion of this study affirms that strengthening the Islamic investment ecosystem in middle-income countries requires synergy among regulation, literacy, product innovation, digital infrastructure, and sustainable finance principles. The implications of this study provide theoretical contributions to the development of Islamic investment studies and practical contributions for regulators, Islamic financial institutions, and industry actors in formulating more inclusive, adaptive, and sustainable Islamic investment development strategies.
Co-Authors Adelina, Selvi Alfandi, Risky Hannum, Sarika Jureid, Jureid Mardana, Yahya Nurhifdah, Thalita Rahmat, Paisal Zumaedi, Aril