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All Journal Contemporary Islamic Economic and Business Review
Alvien Septian Haerisma
UIN Siber Syekh Nurjati Cirebon
Economics, Econometrics & Finance

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Peran dan Implikasi Dewan Pengawas Syariah pada Lembaga Keuangan Mikro Syariah di Indonesia Perspektif Maqashid Syariah Putri Meiliyawati; Alvien Septian Haerisma; Amir Amir
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 1 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i1.1

Abstract

Islamic cooperatives are financial institutions categorized as micro, operating based on Islamic Sharia principles. In carrying out its operations, Islamic cooperatives must ensure that all activities do not conflict with Sharia principles. The role of the Sharia Supervisory Board, as an extension of the DSN-MUI, is crucial in overseeing all cooperative activities. The purpose of this study is to determine the role of the sharia supervisory board and the implications for the realization of maqashid sharia in Kopsyah Harapan Sejahtera UIN Syekh Nurjati Cirebon. This research uses a qualitative method approach. The data collection techniques used were observation, interview, and documentation. The data sources used are primary and secondary data. The results showed that the role of the Sharia Supervisory Board of Kopsyah Harapan Sejahtera has been running optimally, because it has ensured that all cooperative activities and transactions, including fund management, products offered, and operations, are under sharia principles.
Tinjauan Fatwa DSN Terhadap Produk Pembiayaan Pada Pegadaian Syariah Cipto Cirebon Kharisma Aurora; Alvien Septian Haerisma; Amir Amir
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 2 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i2.6

Abstract

This study examines the application of sharia principles in gold pawn products at Pegadaian Syariah Cipto Cirebon. The main issues identified are employees’ limited understanding of DSN-MUI fatwas, discrepancies between fatwa provisions and institutional regulations, and debates over the application of mu’nah (maintenance) fees. Using a qualitative descriptive method with field research through interviews, observations, and document analysis, the study assesses compliance with DSN-MUI Fatwas No. 25, 26, and 92. The findings show that the gold pawn financing mechanism generally complies with sharia principles through the use of hybrid contracts (rahn, qardh, and ijarah) and fair mu’nah fees that avoid riba, gharar, and maysir. However, DPS supervision remains suboptimal due to limited resources and weak coordination. The study recommends strengthening sharia supervision by enhancing DPS competence, aligning SOPs with DSN fatwas, and implementing regular sharia audits to ensure compliance and transparency.
Studi Komparatif Penyaluran Fasilitas Pembiayaan dalam Mendukung Sektor Industri Makanan Halal pada Bank Umum Syariah di Indonesia dan Malaysia Rizky Nur Muhammad; Alvien Septian Haerisma; Yeni Nurkhasanah
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 2 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i2.11

Abstract

This research aims to analyze the comparison of financing facilities, implementation of strategies and policies as well as the differences between each existing financing facility at BSI and BIMB to support the halal food industry. This research uses a comparative qualitative research type with a qualitative approach. The data sources used are secondary data sources via the web from each bank, previous research, annual reports, international journals and several relevant YouTube channels. The results show that the financing facilities distributed by PT Bank Syariah Indonesia Tbk (BSI) to support the halal food industry sector are said to be not optimal because there are no financing facilities aimed directly at supporting the halal food industry sector. Meanwhile, Bank Islam Malaysia Berhad (BIMB) is considered quite optimal because it has financing facilities designed to support the growth of MSMEs in the halal industry, especially the halal food industry sector. Through the various facilities provided by these two sharia banks, it really helps business actors, both MSMEs and companies, especially those operating in the halal food industry, although the financing distributed is aimed at business actors in general.
Co-Authors Amir Amir Kharisma Aurora Putri Meiliyawati Rizky Nur Muhammad Yeni Nurkhasanah