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Al Urwah : Sharia Economics Journal
Published by PT. Takaza Innovatix Labs
ISSN : -     EISSN : 30259398     DOI : https://doi.org/10.61536/alurwah
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Al Urwah is a peer-reviewed journal that aims to advance islamic economies in emerging markets, namely economies in emerging countries and economies in emerging areas in developed countries. The scope of Al Urwah are but strictly limited to: Islamic Economics Sharia Accounting Zakat Management, Infaq, Shodaqoh and Waqf, Entrepreneurship and Islamic Business Islamic Economic Law Islamic Economic Thought Sharia Insurance.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 36 Documents
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Determination of Internal and External Factors in Sharia Investment Management Optimization Sinta Sintia Br. Karo; Pani Akhiruddin Siregar; Ahmad Afandi Surbakti
Al Urwah : Sharia Economics Journal Vol. 3 No. 1: Sharia Governance and Sustainable Finance: Ethical Transformation in the Digital and G
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i1.358

Abstract

Penelitian ini bertujuan menganalisis faktor internal dan eksternal yang memengaruhi optimalisasi manajemen investasi syariah di Indonesia. Fokus penelitian diarahkan pada bagaimana literasi keuangan, kompetensi investor, manajemen risiko, serta perkembangan instrumen pasar modal syariah berkontribusi terhadap efektivitas pengelolaan investasi. Pendekatan kualitatif digunakan melalui analisis literatur dari jurnal nasional terakreditasi dan penelitian sebelumnya yang relevan. Hasil penelitian menunjukkan bahwa faktor internal seperti literasi keuangan syariah, tingkat pemahaman investor, sikap religiusitas, dan kemampuan manajemen portofolio berperan signifikan dalam meningkatkan kualitas pengambilan keputusan investasi. Sementara itu, faktor eksternal meliputi regulasi pemerintah, perkembangan pasar modal syariah, dukungan lembaga keuangan, serta kemajuan teknologi digital turut mendorong peningkatan partisipasi dan kinerja investasi syariah. Penelitian ini menegaskan bahwa optimalisasi investasi syariah membutuhkan sinergi antara peningkatan kapasitas individu dan penguatan ekosistem pasar modal syariah. Temuan ini diharapkan dapat menjadi referensi bagi akademisi, regulator, dan praktisi dalam mengembangkan strategi investasi yang sesuai dengan prinsip syariah dan kondisi pasar yang dinamis.
Sharia Financial Management Strategies in Improving the Effectiveness of Sharia Investment Management Fara Natasya Hamzah Lubis; Ahmad Afandi Surbakti; Pani Akhiruddin Siregar
Al Urwah : Sharia Economics Journal Vol. 3 No. 2 (2025): Sharia Governance and Sustainable Finance
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i2.367

Abstract

Penelitian ini bertujuan untuk mengkaji strategi manajemen keuangan syariah yang berperan dalam meningkatkan efektivitas pengelolaan investasi syariah. Industri keuangan syariah menunjukkan pertumbuhan signifikan dalam beberapa tahun terakhir, terutama pada sektor investasi syariah, yang didorong oleh meningkatnya kesadaran masyarakat terhadap investasi yang beretika, transparan, dan bebas spekulasi, serta inovasi produk dan platform digital. Metode penelitian menggunakan pendekatan kualitatif berbasis studi literatur dengan analisis isi terhadap jurnal ilmiah, buku, laporan industri, dan dokumen resmi lembaga terkait yang diterbitkan dalam lima tahun terakhir. Hasil kajian menunjukkan bahwa penerapan fungsi manajerial yang sistematis, kepatuhan terhadap prinsip syariah, tata kelola syariah yang kuat, serta manajemen risiko berbasis aset riil menjadi faktor kunci dalam membentuk portofolio yang stabil dan berkelanjutan. Selain itu, perkembangan teknologi digital, termasuk fintech syariah dan aplikasi investasi digital, memberikan peluang besar untuk meningkatkan efisiensi, transparansi, dan aksesibilitas investasi. Penelitian ini merekomendasikan penguatan kapasitas pengelola investasi, peningkatan literasi investor, serta integrasi teknologi digital untuk memperkuat efektivitas pengelolaan investasi syariah di era modern.
Optimizing Sharia Investment Portfolio Management through Sharia Screening and Risk Management Strategies Imelda Saragih; Ahmad Afandi Surbakti; Pani Akhiruddin Siregar
Al Urwah : Sharia Economics Journal Vol. 3 No. 1: Sharia Governance and Sustainable Finance: Ethical Transformation in the Digital and G
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i1.368

Abstract

Penelitian ini bertujuan mengkaji upaya optimalisasi pengelolaan portofolio investasi syariah melalui penerapan screening syariah serta strategi manajemen risiko yang efektif. Dalam praktiknya, investasi syariah harus memastikan bahwa setiap aset yang dipilih telah memenuhi prinsip-prinsip syariah, sehingga proses penyaringan menjadi komponen inti dalam memastikan kesesuaian kegiatan investasi dengan nilai-nilai Islam, sebagaimana ditegaskan oleh Al-Mustafa (2023). Di sisi lain, penguatan pengelolaan risiko merupakan keharusan karena lembaga keuangan syariah berhadapan dengan berbagai potensi risiko seperti risiko pasar, operasional, likuiditas, hingga risiko pembiayaan (Dianto & Udin, 2023; Marbun, 2022). Meningkatnya ketertarikan generasi muda terhadap pasar modal syariah turut memperkuat urgensi pengelolaan portofolio yang responsif dan adaptif (Faizah, 2023). Kajian ini menggunakan pendekatan studi literatur dengan menyusun dan menelaah temuan relevan terkait strategi investasi, risiko, mekanisme screening syariah, serta peluang dan tantangan industri keuangan syariah. Hasil analisis menunjukkan bahwa optimalisasi portofolio dapat dicapai melalui penerapan screening syariah yang ketat, penguatan manajemen risiko, diversifikasi aset, dan peningkatan tata kelola lembaga keuangan syariah. Dengan langkah tersebut, portofolio investasi syariah dapat berkembang secara lebih stabil, aman, dan berkelanjutan sejalan dengan dinamika sektor keuangan modern.
Legal Analysis of Online Sales Transactions from the Perspective of Sharia Economic Law: Validity, Legitimacy, and Implementation Challenges Aulia Rahma Hafizha; Hanifa Khoirunnisa; Salma Nur Halizah; Della Puspitasari; Ahmadzaki Fadhila; Diana Setiawati
Al Urwah : Sharia Economics Journal Vol. 3 No. 2 (2025): Sharia Governance and Sustainable Finance
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i2.369

Abstract

Perkembangan teknologi informasi di Indonesia mendorong meningkatnya transaksi jual beli melalui e-commerce yang menawarkan kemudahan, namun juga menimbulkan tantangan baru terkait kejelasan akad, kepastian hukum, dan risiko transaksi. Penelitian ini menggunakan metode yuridis normatif dengan mengkaji Al-Qur’an, Hadis, regulasi nasional, serta Fatwa DSN-MUI No. 146 Tahun 2021 untuk menilai keabsahan transaksi elektronik menurut hukum Islam. Kajian difokuskan pada pemenuhan rukun dan syarat jual beli, transparansi informasi, perlindungan konsumen, serta kesesuaian mekanisme pembayaran dan pengiriman dengan prinsip syariah. Hasil penelitian diharapkan memberi kontribusi bagi pengembangan literatur dan rekomendasi penguatan regulasi transaksi digital berbasis syariah.
Analysis of the Role of Baznas and Zakat Collection Institutions in Supporting Sharia Green Banking in Indonesia Amanda Angelina Hutomo; Elsisca Maharani Chintya Bella; Liya Marsya Ayu Nirmala Saputri; Safia Putri Vigianta; Amalia Nuril Hidayati
Al Urwah : Sharia Economics Journal Vol. 2 No. 3 (2025): Al Urwah : Sharia Economics Journal
Publisher : Takaza Innovatix Labs Ltd.

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

Abstract

This research was conducted to gain an in-depth understanding of the contribution of the National Zakat Agency (BAZNAS) and Zakat Institutions (LAZ) in supporting the implementation of green sharia banking in the framework of sustainable development. Using a library research approach, this study analyzes various scientific publications, regulations, and relevant official documents. The research findings indicate that BAZNAS and LAZ play a significant role in optimizing the use of zakat, infaq, and sadaqah funds to support environmental programs, including renewable energy, waste management, and ecology-based economic empowerment. However, efforts to integrate zakat with green banking practices are still limited by regulatory aspects, institutional capacity, and the level of public literacy. Based on these results, this research emphasizes the importance of strengthening the regulatory framework and increasing institutional capacity in order to maximize the contribution of zakat institutions to green financing.
Risk Management Analysis and Business Opportunity Identification in Sharia Investment Development Ahmad Muhajir; Pani Akhiruddin Siregar; Ahmad Afandi Surbakti
Al Urwah : Sharia Economics Journal Vol. 3 No. 2 (2025): Sharia Governance and Sustainable Finance
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i2.378

Abstract

This article explores the role of risk management and business opportunity mapping in enhancing the development of Sharia-compliant investments, drawing on recent studies discussing Islamic investment concepts, risk control mechanisms, investor behavior, and the evolution of the halal industry. Sharia-based investments possess distinct characteristics due to their obligation to comply with Islamic principles, including the prohibition of riba, gharar, and maysir. As a result, the risks involved extend beyond financial aspects to include Sharia compliance risks. Based on a comprehensive literature review of nationally indexed journals, this study identifies various types of risks such as market, liquidity, operational, credit, and Sharia compliance risks, along with management strategies including prudential assessment, portfolio diversification, strengthened Sharia governance, and the use of digital technologies. The article also highlights emerging business opportunities within the Islamic investment landscape, particularly in the halal industry, Islamic fintech, sukuk instruments, Sharia mutual funds, and Sharia-based financing schemes. The findings indicate that strengthening risk mitigation strategies while optimizing business opportunities can support sustainable growth in Sharia investment. This study contributes academically to the understanding of Islamic investment dynamics and serves as a practical reference for investors and Islamic financial institutions.
Implementation of Sharia Investment in Islamic Banking: Analysis of Principles, Contracts, and Challenges in Strengthening the Islamic Financial System Fatih Siraj; Pani Akhiruddin Siregar; Ahmad Afandi Surbakti
Al Urwah : Sharia Economics Journal Vol. 3 No. 2 (2025): Sharia Governance and Sustainable Finance
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i2.383

Abstract

The development of Islamic banking in Indonesia has shown significant growth, with Islamic investment serving as a key pillar in strengthening the Sharia-based financial system. However, its implementation still faces challenges, including low Islamic financial literacy, limited product innovation, and the need to strengthen governance and risk management. This study aims to analyze the implementation of Islamic investment in Islamic banking by examining its principles, contracts, and challenges in supporting Sharia economic growth. The research employs a qualitative approach using a literature study method by reviewing and analyzing relevant scientific sources related to Islamic investment and banking practices. The results indicate that Islamic investment based on mudharabah, musyarakah, murabahah, and ijarah contracts plays an important role in improving Islamic banking performance, particularly when supported by technological innovation and adequate regulatory frameworks. In conclusion, strengthening financial literacy, enhancing product innovation, and improving governance are essential strategies to optimize Islamic investment and promote the sustainability of Islamic banking in supporting national economic development.
The Role of Islamic Financial Institutions in the Development of MSMEs: An Analysis of Financing and Mentoring for Islamic-Based Micro-Enterprises in West Java Diana Setiawati; Nayla Putri Aryani; Mozart Tiasylva Syah Nuhandika; Arifkha Gita Zahara; Berliana Azizah; Kanaya Ayodya Indra Prasta; Indah Ayu Dewi Maharani
Al Urwah : Sharia Economics Journal Vol. 3 No. 2 (2025): Sharia Governance and Sustainable Finance
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i2.387

Abstract

MSMEs play a vital role in the Indonesian economy, yet they still face challenges in accessing financing and managing their businesses. Islamic Financial Institutions (IFIs) offer a financing alternative that is not only based on the principles of fairness and profit-sharing, but also prioritizes social sustainability and Sharia compliance. This study aims to analyze the selection and feasibility assessment mechanisms of micro-enterprises implemented by these institutions, as well as to examine the financing and mentoring models implemented to support MSME sustainability. The research method employed a qualitative approach through library research with content analysis of various literature sources related to Islamic financing and MSME empowerment. The results indicate that these institutions implement a selection mechanism based on the Sharia-compliant 5C concept, encompassing character, capacity, capital, business conditions, and collateral, with an emphasis on moral aspects and Sharia compliance. The financing models used include mudharabah, musyarakah, murabahah, ijarah, and qardhul hasan, combined with business mentoring such as management training, Islamic business ethics development, and field monitoring. This integrated approach has been proven to improve financial discipline, business sustainability, and social benefits for MSMEs. Thus, LKS functions not only as a capital provider but also as an agent for empowering the community's economy based on the principles of maqasid sharia.
Risk Analysis in Sharia Investment Management for Sharia Deposit Products Sharia Deposits Triwanda Aditiya; Pani Akhiruddin Siregar; Ahmad Afandi
Al Urwah : Sharia Economics Journal Vol. 3 No. 2 (2025): Sharia Governance and Sustainable Finance
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i2.390

Abstract

The development of Islamic banking in Indonesia has shown significant growth, with Islamic investment serving as a key pillar in strengthening the Sharia-based financial system. However, its implementation still faces challenges, including low Islamic financial literacy, limited product innovation, and the need to strengthen governance and risk management. This study aims to analyze the implementation of Islamic investment in Islamic banking by examining its principles, contracts, and challenges in supporting Sharia economic growth. The research employs a qualitative approach using a literature study method by reviewing and analyzing relevant scientific sources related to Islamic investment and banking practices. The results indicate that Islamic investment based on mudharabah, musyarakah, murabahah, and ijarah contracts plays an important role in improving Islamic banking performance, particularly when supported by technological innovation and adequate regulatory frameworks. In conclusion, strengthening financial literacy, enhancing product innovation, and improving governance are essential strategies to optimize Islamic investment and promote the sustainability of Islamic banking in supporting national economic development.
Quality Testing of the Tigaraksa Police Public Complaints Website Using ISO/IEC 29119 Muhammad Sodikin; Indra Kosasih; Chairul Anwar
Al Urwah : Sharia Economics Journal Vol. 3 No. 1: Sharia Governance and Sustainable Finance: Ethical Transformation in the Digital and G
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i1.399

Abstract

The rapid development of web-based public complaint systems in the Indonesian police sector, such as POLTRAMAN at Polsek Tigaraksa, aims to enhance accessibility, transparency, and efficiency in handling community reports amid digital transformation challenges. This study evaluates the quality of the POLTRAMAN website using ISO/IEC 29119 standards to ensure reliability and usability. Employing a quantitative descriptive approach with Software Testing Life Cycle (STLC), the research applies black box testing for functional aspects and non-functional testing (performance, accessibility, best practices, SEO) via Google Lighthouse. The population consists of 7 core modules of the website, with a purposive sample of 5 main pages tested across desktop and mobile using Chrome, Firefox, and Edge browsers. Data analysis involves descriptive metrics conversion and statistical summaries like response time averages. Results reveal 100% functional test pass rate, good overall non-functional scores (average response time 2100 ms, low error rate 0-0.20%), high accessibility and SEO, although dashboard and report creation pages require optimization for dynamic loads. In conclusion, POLTRAMAN is deemed feasible for public service, with recommendations for JavaScript lazy loading to boost mobile performance

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