Article Per Year (5 Year)
p-Index From 2021 - 2026
0.61
P-Index
This Author published in this journals
All Journal Jurnal Ilmiah Ekonomi Islam Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Perbankan Syariah Darussalam (JPSDa)
Ridwansyah Ridwansyah
Universitas Islam Negeri Raden Intan Lampung, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
Pengaruh Sektor Produk Domestik Regional Bruto (Basis dan Non Basis) Terhadap Pertumbuhan Ekonomi dalam Perspektif Ekonomi Islam Anggel Dwi Satria; Ridwansyah Ridwansyah; Ahmad Habibi
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.7995

Abstract

Based on Presidential Regulation Number 63 of 2020 concerning the Determination of Underdeveloped Regions for 2020-2024, the Pesisir Barat Regency is included in the underdeveloped category in Lampung Province. One of these lags can be seen from the community's economy. Economic growth is one indicator in measuring economic development in a region or country. According to data obtained from the BPS for Pesisir Barat Regency during the period 2013-2020, the economic growth of Pesisir Barat Regency tends to fluctuate. This growth cannot be separated from the role of each economic sector. Therefore, it is necessary to examine 17 economic sectors according to business fields to find out what economic sectors have the potential or advantages to become basic sectors and non-base sectors. The basic sector is the sector that forms the backbone of the local economy because it has a competitive advantage, and the non-base sector is the sector that supports local consumption needs. The formulation of the problem in this study is whether the basic and non-base sectors partially have a significant effect on economic growth in Pesisir Barat Regency? Does the base and non-base sectors simultaneously affect economic growth in Pesisir Barat Regency? And what is the view of Islamic Economics on the influence of the base and non-base sectors on economic growth in Pesisir Barat Regency? This study is a quantitative study with secondary data published by the Central Statistics Agency in the 2013-2020 observation period. The type of research is library research. The data analysis technique used is Location Quotient (LQ), Klassen Typology, and Multiple Linear Regression Analysis processed with the Eviews-9 program. Based on the results of data processing, it shows that the base sector variable has a positive and insignificant effect on economic growth in Pesisir Barat Regency. Then the non-base sector variable has a positive and insignificant effect on economic growth in Pesisir Barat Regency. And the base sector and non-base sector variables simultaneously have a positive and significant effect on economic growth in Pesisir Barat Regency, because the probability value is 0.002421 which means the prob value is less than (0.002421 < 0.05) so Ho is rejected, with an effect of 87.4 %. It can be concluded that the basic sector partially has a positive and insignificant effect on economic growth, as well as the non-base sector partially also has a positive and insignificant effect on economic growth. While the base sector and non-base sector simultaneously or together have a positive and significant influence. In this case, it means that if the base sector and non-base sector are increased, it will affect the economic growth in Pesisir Barat Regency to increase. In the view of Islamic economics that Allah SWT commands humans as caliphs on earth to utilize natural resources as they should by not prioritizing the interests of a few humans, but all creatures on earth. With this research, it is expected to be able to promote, maintain, utilize the basic sector and the non-base sector in accordance with Islamic teachings for the welfare of the community to achieve the goal of falah.
Manajemen Risiko Berbasis Maqasid Syariah Sebagai Strategi Keberlanjutan Bank Syariah Di Indonesia: Kajian Literatur Dewi Risyantika; Laili Fathul Hidayah; Reska Maulida; Riyan Damara Putra; Ridwansyah Ridwansyah; Wan Ruslan Abdul Ghani
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 2 (2026): Juli 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i2.5121

Abstract

This study aims to systematically review the integration of maqasid al-shariah into Islamic bank risk management and to develop a conceptual framework linking Shariah values, risk categories, governance, and sustainability. The study employs a Systematic Literature Review (SLR) approach following the PRISMA guidelines. Data were collected from Scopus, Web of Science, and Google Scholar using combinations of the keywords "maqasid al-shariah," "Islamic banking," "risk management," "Shariah governance," and "sustainable finance" with the Boolean operators AND and OR. The review was limited to peer-reviewed articles published in English between 2015 and 2026. Of the 135 records initially identified, 105 remained after duplicate removal, 45 articles were assessed through full-text screening, and 15 studies met the inclusion criteria for the final synthesis. The selected studies were analyzed using thematic analysis to identify major themes, research gaps, and conceptual relationships among the variables. The findings reveal that maqasid al-shariah has predominantly been employed as a normative framework for performance evaluation rather than as an operational foundation for risk management. The literature on financial risk, Shariah compliance risk, digital risk, governance, and sustainability also remains fragmented. Furthermore, no comprehensive model has explicitly translated the objectives of maqasid al-shariah into the processes of risk identification, measurement, mitigation, and monitoring. This study proposes an integrative maqasid-based risk governance framework that positions the protection of religion (hifz al-din), wealth (hifz al-mal), life (hifz al-nafs), intellect (hifz al-'aql), and progeny (hifz al-nasl) as the ethical foundation of Islamic bank risk management. The findings provide practical implications for regulators, Shariah Supervisory Boards, and Islamic bank management in developing risk management systems that are more equitable, accountable, and sustainable.
Sharia Financial Literacy and Access to Financing: A Study on MSMEs Receiving Sharia KUR in Lampung Muhammad Shofa; Syamsul Hilal; Ridwansyah Ridwansyah
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 1 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ypcb6791

Abstract

Micro, Small, and Medium Enterprises (MSMEs) constitute more than 99 percent of business units in Indonesia and are widely recognized as the backbone of the national economy. In Lampung Province, MSMEs play a particularly strategic role in job creation, poverty reduction, and the promotion of equitable regional development. However, despite their substantial potential, MSMEs often face limited access to adequate and sustainable financing. To address this constraint, the Indonesian government introduced the Sharia People’s Business Credit (KUR Syariah) as an alternative financing scheme based on Islamic principles such as the prohibition of interest, profit-sharing arrangements, and fairness in transactions. Yet, the effective utilization of Sharia KUR is strongly influenced by the level of Sharia financial literacy among MSME owners. This study aims to examine the relationship between Sharia financial literacy and access to Sharia KUR financing among MSMEs in Lampung Province. Employing a qualitative research design, in-depth semi-structured interviews were conducted with MSME owners who had received Sharia KUR, alongside observations and document reviews. Thematic analysis was used to interpret the data. The findings show that while most respondents are familiar with basic Islamic finance concepts, their understanding of the technical aspects of Sharia KUR such as contract types, profit-sharing ratios, and rights and obligations under financing agreements remains limited. This knowledge gap affects their ability to apply for, manage, and optimize the financing received. Respondents with higher levels of Sharia financial literacy display more disciplined fund allocation, timelier repayments, and improved business outcomes, whereas those with lower literacy levels are more likely to experience repayment difficulties and non-productive fund use. The study concludes that enhancing Sharia financial literacy is essential for maximizing the benefits of Sharia KUR and for strengthening the Islamic financial ecosystem at the regional level. Targeted education, simplified financing procedures, and tailored mentoring programs are recommended to improve the effectiveness and sustainability of Sharia-based microfinance initiatives.
Co-Authors Ahmad Habibi Anggel Dwi Satria Dewi Risyantika Laili Fathul Hidayah Muhammad Shofa Reska Maulida Riyan Damara Putra Syamsul Hilal Wan Ruslan Abdul Ghani