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All Journal Adl Islamic Economic LA RIBA: Jurnal Perbankan Syariah
Kamalia Sani
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Humanities Economics, Econometrics & Finance Education Social Sciences Other

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The Optimization of Blockchain Technology for the Distribution of Cash Waqf in Poverty Alleviation Ahmad Syaifullah; Puspa Utami; Kamalia Sani
ADL ISLAMIC ECONOMIC : Jurnal Kajian Ekonomi Islam Vol 6 No 2 (2025): Adl Islamic Economic
Publisher : Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56644/adl.v6i2.147

Abstract

Di tengah tingginya potensi wakaf tunai sebagai solusi pengentasan kemiskinan, terdapat tantangan berupa ketidaktransparanan distribusi dan rendahnya akuntabilitas pengelolaan dana. Penelitian ini bertujuan untuk menganalisis potensi optimalisasi teknologi blockchain dalam meningkatkan transparansi, akuntabilitas, dan efisiensi distribusi wakaf tunai sebagai bagian dari program pengentasan kemiskinan. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan literature review, di mana data dikumpulkan melalui studi pustaka terhadap jurnal ilmiah, laporan industri, dan dokumen terkait fintech syariah, wakaf digital, serta implementasi blockchain dalam filantropi Islam. Hasil penelitian menunjukkan bahwa integrasi blockchain dapat meminimalisir risiko penyalahgunaan dana, meningkatkan kepercayaan wakif (donatur), dan mempercepat penyaluran manfaat kepada mustahik (penerima manfaat). Beberapa tantangan yang diidentifikasi meliputi aspek regulasi, kesiapan infrastruktur digital, dan literasi masyarakat. Penelitian ini memberikan rekomendasi pentingnya kolaborasi antara lembaga keuangan syariah, regulator, dan pihak terkait untuk mengembangkan kerangka kerja blockchain yang sesuai dengan prinsip syariah dan tujuan sosial wakaf. Kata Kunci: Blockchain, Wakaf Tunai, Kemiskinan, Fintech Syariah.
Pengaruh Promosi dan Nilai Taksiran Terhadap Minat Nasabah Menggunakan Fasilitas Gadai Emas pada Bank Syariah Indonesia KC Prabumulih Sudirman 1 Puspa Utami; Muhlisin Muhlisin; Kamalia Sani
LA RIBA: Jurnal Perbankan Syariah Vol. 7 No. 2 (2026): La Riba: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v7i02.2076

Abstract

This study aims to examine the effect of promotion and appraisal value on customers' interest in using the gold pawn financing facility at Bank Syariah Indonesia (BSI) KC Prabumulih Sudirman 1. A quantitative approach was employed using a survey method involving 89 respondents, and the data were analyzed through linear regression using SPSS. The findings indicate that both promotion and appraisal value have a positive and statistically significant effect on customers' interest in utilizing the gold pawn facility. Promotion emerged as the more influential variable, with a t-value of 5.384 (p < 0.001), while appraisal value also demonstrated a significant effect, with a t-value of 4.353 (p = 0.001). These findings suggest that effective promotional strategies and competitive appraisal values play a crucial role in enhancing customers' intention to use gold pawn financing services. Therefore, Bank Syariah Indonesia should optimize its promotional activities and collateral appraisal policies to strengthen the competitiveness of its gold pawn products and increase customer interest.
Co-Authors Ahmad Syaifullah Muhlisin Muhlisin puspa utami Puspa Utami