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Al Fiddhoh: Journal of Banking, Insurance, and Finance
Published by Institut Agama Islam Negeri Kerinci
ISSN : 28087518     EISSN : 28087690     DOI : https://doi.org/10.32939/fdh.v3i1
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Al-Fidhoh Jurnal Perbankan, Asuransi dan Keuangan yang dikelola oleh Fakultas Ekonomi dan Bisnis IAIN Kerinci dengan scope pada bidang Perbankan, Asuransi dan Keuangan.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 64 Documents
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Implementasi Prinsip Syariah Pada Transaksi E-Commerce Melalui Fitur Paylater: Studi Kualitatif Pada Mahasiswa Muslim Anisah; Sirajudin Alaksari
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 7 No. 1 (2026): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Perkembangan financial technology (fintech) dan e-commerce telah menghadirkan berbagai inovasi transaksi digital, salah satunya melalui fitur paylater yang memungkinkan konsumen membeli barang terlebih dahulu dan melakukan pembayaran di kemudian hari. Kemudahan tersebut menjadikan layanan paylater banyak digunakan oleh mahasiswa muslim, namun praktiknya menimbulkan persoalan dalam perspektif ekonomi syariah, terutama terkait unsur riba, gharar, dan perilaku konsumtif. Penelitian ini bertujuan untuk menganalisis implementasi prinsip syariah pada transaksi e-commerce melalui fitur paylater di kalangan mahasiswa muslim. Penelitian ini menggunakan pendekatan kualitatif dengan jenis penelitian lapangan (field research). Data diperoleh melalui observasi, wawancara, dan dokumentasi terhadap mahasiswa muslim pengguna fitur paylater pada platform e-commerce. Analisis data dilakukan menggunakan model Miles dan Huberman melalui tahapan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa penggunaan paylater di kalangan mahasiswa muslim dipengaruhi oleh kemudahan transaksi, fleksibilitas pembayaran, serta berbagai promo pada platform e-commerce. Namun, penggunaan layanan tersebut tidak hanya digunakan untuk kebutuhan primer, tetapi juga mendorong perilaku konsumtif. Ditinjau dari perspektif fiqh muamalah, praktik paylater masih berpotensi mengandung unsur riba dan gharar, terutama pada sistem bunga, denda keterlambatan, dan ketidakjelasan akad. Dalam perspektif maqashid syariah, fitur paylater memberikan kemaslahatan berupa kemudahan transaksi, tetapi juga berpotensi menimbulkan mafsadah berupa pemborosan dan ketergantungan utang digital. Kata Kunci: PayLater, E-Commerce, Fintech.
Analisis Pengaruh Implementasi Manajemen Risiko Melalui Identifikasi Kredit Likuiditas Dan Operasional Terhadap Perkembangan Perbankan Syariah Di Bangka Belitung Efendi Sugianto Sugianto
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 7 No. 1 (2026): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v7i1.7296

Abstract

ABSTRAK Penelitian ini bertujuan untuk menganalisis implementasi manajemen risiko melalui identifikasi risiko kredit, likuiditas, dan operasional terhadap perkembangan perbankan syariah di Provinsi Bangka Belitung, penelitian dilatarbelakangi oleh pentingnya pengelolaan risiko dalam menjaga stabilitas, keberlanjutan dan daya saing lembaga perbankan syariah di tengah dinamika lingkungan bisnis dan perkembangan industri keuangan yang semakin kompleks. Metode penelitian menggunakan pendekatan kuantitatif dengan desain survei eksplanatori. Data penelitian diperoleh dari pegawai dan manajemen perbankan syariah yang terlibat langsung dalam aktivitas pengelolaan risiko, teknik pengumpulan data dilakukan melalui penyebaran kuesioner, dokumentasi, observasi dan studi pustaka, analisis data dilakukan dengan menggunakan statistik deskriptif dan inferensial untuk menguji hubungan antara variabel penelitian, hasil penelitian menunjukkan bahwa implementasi manajemen risiko memiliki peranan yang sangat penting dalam mendukung perkembangan perbankan syariah. Risiko kredit terbukti menjadi faktor yang paling dominan dalam memengaruhi perkembangan lembaga perbankan syariah karena berkaitan langsung dengan kualitas pembiayaan dan kesehatan aset bank. Risiko likuiditas berperan dalam menjaga kemampuan bank memenuhi kewajiban finansial dan mempertahankan kepercayaan nasabah, sedangkan risiko operasional berpengaruh terhadap efektivitas proses bisnis, kualitas pelayanan dan keberlangsungan operasional lembaga, secara keseluruhan pengelolaan risiko yang efektif mampu meningkatkan stabilitas keuangan, kualitas tata kelola, efisiensi operasional dan daya saing perbankan syariah, penelitian ini menegaskan bahwa keberhasilan implementasi manajemen risiko tidak hanya berdampak pada aspek keuangan, tetapi juga berkontribusi terhadap penguatan tata kelola perusahaan dan peningkatan kepercayaan masyarakat, oleh karena itu penguatan sistem manajemen risiko secara berkelanjutan menjadi kebutuhan strategis dalam mendukung pertumbuhan dan keberlanjutan perbankan syariah di Bangka Belitung. Kata Kunci: Manajemen Risiko, Risiko Kredit, Risiko Likuiditas, Risiko Operasional, Perbankan Syariah. ABSTRACT: This study aims to analyze the implementation of risk management through the identification of credit, liquidity, and operational risks in relation to the development of Islamic banking in Bangka Belitung Province. This research is motivated by the importance of risk management in maintaining the stability, sustainability, and competitiveness of Islamic banking institutions amidst the increasingly complex business environment and developments in the financial industry. The research method uses a quantitative approach with an explanatory survey design. Data were obtained from Islamic banking employees and management directly involved in risk management activities. Data collection techniques were conducted through questionnaires, documentation, observation, and literature review. Data analysis was conducted using descriptive and inferential statistics to examine the relationship between research variables. The results indicate that risk management implementation plays a crucial role in supporting the development of Islamic banking. Credit risk has proven to be the most dominant factor influencing the development of Islamic banking institutions because it is directly related to the quality of financing and the health of bank assets. Liquidity risk plays a role in maintaining a bank's ability to meet financial obligations and maintain customer trust, while operational risk impacts the effectiveness of business processes, service quality, and the sustainability of the institution's operations. Overall, effective risk management can improve financial stability, governance quality, operational efficiency, and the competitiveness of Islamic banking. This study confirms that successful risk management implementation not only impacts the financial aspect but also contributes to strengthening corporate governance and increasing public trust. Therefore, strengthening the risk management system on an ongoing basis is a strategic necessity to support the growth and sustainability of Islamic banking in Bangka Belitung. Keywords: Risk Management, Credit Risk, Liquidity Risk, Operational Risk, Islamic Banking.
Analysis Of The Contract System In Leasing From Conventional And Sharia Perspectives Lisa Purnama Putri; Zulfikar Hasan; Mahadir Mohamad
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 7 No. 1 (2026): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v7i1.7325

Abstract

This study aims to find out about this leasing business in terms of both Islamic and conventional law. The type of research used is the qualitative method of library research as the completion methodology, namely by collecting library data, reading and taking notes, and then managing the research material. Leasing financing or leasing business is a financing activity in the provision of capital goods that are regularly paid for a certain period of time. This leasing consists of two types, namely sharia-based leasing and conventional-based leasing. There are a few differences between the two types of leasing. Many companies are interested in using this leasing financing. Because using leasing financing does not require guarantees from the company. With this leasing, companies, especially new companies, can be helped from a managerial perspective.
Brand Image Analysis Of Bank Syariah Through The Implementation Of Green Banking In Generation Z In Jatinangor: (CASE STUDY OF SMAS DARUL FATWA) Irni Sri Cahyanti; Siti Amanah Nur Rohmah
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 7 No. 1 (2026): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v7i1.7445

Abstract

The global climate crisis has encouraged the banking sector to implement more environmentally friendly practices, one of which is through green banking. In the context of Islamic banking, green banking is relevant because it is in line with the principles of maqasid asy-sharia. The form of implementation of Islamic banks, such as the digitization of services that have been carried out by Bank Muamalat and Bank Syariah Indonesia (BSI). However, the implementation still faces challenges such as low environmental literacy and disruption of digital systems. On the other hand, brand image is an important factor that shapes public perception of Islamic banks, especially among Generation Z who are known to be critical, environmentally friendly, and technologically literate. The purpose of this study is to analyze the influence of green banking implementation on the brand image of Sharia Banks in Generation Z at SMAS Darul Fatwa Jatinangor. The number of samples in this study was 105 respondents using a quantitative approach. The data collection technique used questionnaires. The results of this study show that the value of sig. 0.000 < 0.05 and the t-calculated value of 7.559 > t-table 1.659. The value of the determination coefficient (R2) is 0.357, meaning that 35.7% of the variation in brand image can be explained by the practice of green banking. This study implies that the implementation of good green banking can improve the brand image of Sharia Bank in the eyes of generation Z in Jatinangor District.

Page 7 of 7 | Total Record : 64

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