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Journal of Sharia Business Management
  • jurnalmanajemenbisnissyariah
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Published by CV. Barokah Publisher
ISSN : -     EISSN : 29632218     DOI : -
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Social Sciences Other
(INTERNATIONAL, Journal of Sharia Business Management) is dedicated to the development of scientific treasures in the field of Islamic economics and finance. Researchers and academics are given space to contribute to various studies published through this journal. The scope of the study of the (INTERNATIONAL, Journal of Sharia Business Management) is related to the themes of Islamic economics, Islamic banking, Islamic accounting, sharia management, sharia business, ZISWAF, halal industry, and other studies that correlate with the theme of this journal and have interesting discussion value. Each published article is the sole responsibility of the Author, but the Editor can edit without changing the substance of the article.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 30 Documents
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Search results for , issue "Vol 4 No 4 (2025)" : 30 Documents clear
AKSELERASI EKOSISTEM HALAL MELALUI TRANSFORMASI DIGITAL: EFEKTIVITAS SIHALAL DAN FINTECH SYARIAH Anggi Pratiwi Sitorus; Salman Munthe; Daffa Muhammad Safwan; Dimas Kristiano Hutapea
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

Penelitian ini bertujuan untuk mengevaluasi efektivitas transformasi digital dalam mengakselerasi pertumbuhan ekosistem ekonomi syariah di Indonesia melalui implementasi Sistem Informasi Halal Terintegrasi (SIHALAL) dan pemanfaatan Financial Technology (Fintech) Peer-to-Peer Lending Syariah sebagai dua instrumen digital utama yang diamanatkan dalam Masterplan Ekonomi Syariah Indonesia (MEKSI) 2019–2024. Menggunakan pendekatan deskriptif kualitatif dengan menganalisis data sekunder dari laporan BPJPH, OJK, LEKSI, serta dokumen strategis KNEKS, penelitian ini mengidentifikasi dampak digitalisasi terhadap efisiensi birokrasi sertifikasi halal dan perluasan akses pembiayaan UMKM. Hasil penelitian menunjukkan bahwa SIHALAL secara signifikan menurunkan hambatan administratif melalui digitalisasi proses audit, integrasi data, dan mekanisme self-declare sehingga mempercepat masuknya UMKM ke dalam rantai nilai halal. Sementara itu, Fintech P2P Lending Syariah terbukti mampu mengurangi kesenjangan pembiayaan melalui model penilaian kelayakan berbasis digital yang lebih adaptif terhadap pelaku usaha feasible tetapi belum bankable. Sinergi kedua instrumen digital ini memperkuat konektivitas antara legalitas produk dan akses modal, sekaligus menciptakan ekosistem halal yang lebih inklusif, responsif, dan kompetitif. Temuan ini menegaskan bahwa transformasi digital bukan hanya mendukung efisiensi proses, tetapi menjadi katalis strategis dalam mempercepat integrasi sektor riil dan sektor keuangan syariah guna mendorong Indonesia menuju posisi sebagai pusat produsen halal global.
IMPLEMENTASI KULIAH KERJA MANAJEMEN BISNIS SYARIAH (KKMBS) DI LEMBAGA PENELITIAN DAN PUBLIKASI ILMIAH (LPPI) MEDAN Mr. Irfan Chema; Cita Ayni Putri Silalahi
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Higher education based on Islamic knowledge requires graduates who not only master Islamic management theory but also possess practical skills and professionalism. The Islamic Business Management Work Lecture (KKMBS) program provides practical learning that integrates managerial competencies, Islamic business ethics, and students’ soft skills. This study aims to describe the implementation of KKMBS at the Institute of Research and Scientific Publication (LPPI), Universitas Muslim Nusantara (Al-Washliyah) Medan, including student activities, competency achievements, challenges, and institutional guidance. A qualitative approach was used with data collection through observation, informal interviews, and documentation. Data analysis employed Miles and Huberman’s interactive model. Results show students gained hands-on experience in research administration, scientific publication, teamwork, and the application of Islamic ethical values such as trustworthiness and responsibility. Intensive guidance helped students overcome adaptation challenges. In conclusion, KKMBS strengthens students’ technical, social, and ethical competencies and prepares them for professional work in accordance with Islamic Business Management principles
ANALYSIS OF THE USE OF SHARIA FINTECH REVIEWED FROM MAQASID SYARIAH IN STAI JAM'IYAH MAHMUDIYAH LANGKAT STUDENTS Cita Ayni Putri Silalahi; Alistraja Dison Silalahi; Khairani Sakdiah; Dalmi Iskandar Sultani; Safira Khoirunnisa
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
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This study aims to assess the level of understanding and use of Islamic fintech among students at STAI Jam'iyah Mahmudiyah Langkat using the perspective of maqasid sharia. The research approach used was descriptive qualitative, with data obtained through observation, interviews, and documentation. The results showed that 70% of students understood the differences between Islamic and conventional fintech, particularly in terms of avoiding usury and implementing Islamic principles. However, 30% still preferred conventional fintech due to convenience. Furthermore, approximately 80% of students used Islamic fintech services such as OVO Syariah and Dana Syariah to meet various financial needs. From the perspective of maqasid sharia, the existence of Islamic fintech contributes to safeguarding religion, life, intellect, lineage, and wealth through a halal, secure, and transparent financial system. Based on these findings, this study recommends improving education and developing technological innovations to increase interest in Islamic fintech and strengthen the application of Islamic values in the modern economic system
EFEKTIVITAS MANAJEMEN PEMBIAYAAN SYARIAH DALAM MENGEMBANGKAN SEKTOR RIIL Wa Ode Jeslin; Ahmad Ramdhani Mungkur; Mella Afrina; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
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This study aims to analyze the effectiveness of Islamic financing management in developing the real sector in Indonesia. The research employs a qualitative descriptive approach through an extensive literature review of academic journals, financial institution reports, and official policy documents related to Islamic finance. The findings indicate that Islamic financing significantly strengthens the real sector foundation through partnership-based contracts such as mudharabah and musyarakah, which enhance MSME productivity and create new employment opportunities. Moreover, fiscal instruments such as Sukuk Negara (Islamic Sovereign Bonds) play a pivotal role in financing national development projects that are productive, sustainable, and compliant with Islamic principles. The main challenges include limited financial literacy, lack of product innovation, and concentration of financing in specific sectors. This study concludes that the effectiveness of Islamic financing management depends not only on financial performance but also on the integration of regulatory frameworks, digital innovation, and public literacy. Therefore, synergy between fiscal, monetary, and Islamic financial institutions is essential to realize a fair, productive, and sustainable Islamic economy in Indonesia.
PERAN SOFTWARE CYBER SECURITY DALAM MENJAGA KEPERCAYAAN NASABAH PADA TRANSAKSI DIGITAL BSI Dwi Adinda Putri; Nur Aisyah; Sabhi Febrian; Nurbaiti
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
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Penelitian ini bertujuan menganalisis peran dan dampak persepsi nasabah terhadap software keamanan siber yang diterapkan oleh Bank Syariah Indonesia (BSI) dalam membangun kepercayaan (E-Trust), khususnya dalam konteks kewajiban Amanah Syariah. Menggunakan metodologi kualitatif melalui Netnography dan Analisis Konten terhadap ulasan pengguna BSI Mobile dan dokumen resmi bank, penelitian ini menemukan bahwa software keamanan BSI memiliki peran ganda yang volatil. Kegagalan fungsional software autentikasi frontend (Biometrik/OTP) secara langsung merusak Keyakinan Struktural dan Kapabilitas bank, sementara E-Trust sangat sensitif terhadap ketersediaan sistem (Availability), di mana downtime dianggap melanggar prinsip Amanah. BSI juga dinilai kurang transparan dalam mengkomunikasikan tujuan perlindungan software. Disimpulkan bahwa software keamanan adalah pilar E-Trust BSI, namun kegagalan fungsional sekecil apa pun mengikis kepercayaan. Saran utama adalah memprioritaskan optimalisasi usability software frontend untuk menjaga e-trust nasabah.
ANALISIS EFEKTIVITAS PEMBIAYAAN MURABAHAH DALAM MENINGKATKAN PROFITABILITAS BANK SYARIAH DI INDONESIA Dinda Nurayuni Humaira; Fadillah Syafitri; Syarifah Hanum Tumangger; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
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Murabahah financing is the most dominant financing product in the Islamic banking portfolio and serves as a stable source of income for banks. However, the increase in murabahah financing volume does not always correspond with higher profitability. This study aims to analyze the effectiveness of murabahah financing in improving the profitability of Islamic banks in Indonesia through a literature review approach. The data used include murabahah financing trends and the Return on Assets (ROA) ratio based on the 2020–2024 Islamic Banking Statistics published by the Financial Services Authority (OJK), along with 20 relevant national scientific articles published between 2022 and 2025. The results show that financing effectiveness acts as the key mediating factor linking murabahah financing to profitability. Murabahah contributes positively to profitability only when financing effectiveness is high, indicated by strong risk management, operational efficiency, digitalization, and payment smoothness. Conversely, when effectiveness is low, financing risks increase and profitability decreases despite higher financing volumes. This study recommends strengthening digitalization, improving human resource competence, and enhancing risk management to optimize the value of murabahah financing for Islamic banks. Future research is expected to employ quantitative methods to empirically test the relationships among variables.
ANALISIS KONSEP DASAR SISTEM INFORMASI MANAJEMEN UNTUK MENDUKUNG TRANSPARANSI DI BANK SYARI’AH INDONESIA KCP KRAKATAU Miranti Agustina; Nurhikmah Berasa; Mella Afrina; Nurbaiti
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
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This study aims to analyze the fundamental concept of Management Information Systems (MIS) in supporting transparency at Bank Syariah Indonesia (BSI) Krakatau Sub-Branch Office. Transparency is one of the main principles of sharia governance, playing a crucial role in building customer trust and enhancing the accountability of Islamic financial institutions. The research employs a descriptive qualitative method using a case study approach at BSI Krakatau Sub-Branch through interviews, observations, and documentation. The findings reveal that the application of basic MIS concepts at BSI Krakatau has contributed to improving information disclosure, accelerating service processes, and enhancing the effectiveness of internal supervision. However, further optimization is needed in data integration and the comprehensive use of digital technology. This study concludes that MIS plays a strategic role in realizing transparency and good governance in Islamic banking institutions.
TANTANGAN REGULASI DAN ETIKA FINTECH SYARI’AH DI ERA DIGITAL Rizki Fauziyah Nasution; Maya Anggraini Siregar; M.Rifq Al Fahrezi; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
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Perkembangan fintech syariah di era digital menunjukkan pertumbuhan yang signifikan, namun di sisi lain menghadirkan beragam tantangan regulasi dan etika yang perlu direspons secara komprehensif. Transformasi digital menuntut adanya kepastian hukum yang adaptif, terutama terkait perlindungan konsumen, integrasi teknologi berbasis kecerdasan buatan, transparansi transaksi, dan mekanisme kepatuhan terhadap prinsip syariah. Ketidaksesuaian antara kecepatan inovasi fintech dan proses regulasi sering menimbulkan celah hukum yang berpotensi menimbulkan risiko operasional maupun risiko syariah. Selain itu, tantangan etika seperti penyalahgunaan data pribadi, praktik pemasaran yang tidak sesuai kaidah syariah, hingga potensi gharar dalam layanan digital menjadi isu penting yang harus dikontrol. Di sisi lain, perkembangan ekosistem digital membuka peluang besar bagi optimalisasi instrumen keuangan syariah melalui model bisnis baru, seperti peer-to-peer lending syariah, pembayaran digital halal, serta integrasi smart contract dengan akad-akad syariah. Dengan demikian, penguatan sinergi antara regulator, pelaku industri, dan otoritas syariah menjadi kunci untuk menciptakan ekosistem fintech syariah yang aman, inklusif, beretika, dan tetap selaras dengan nilai-nilai syariah dalam menghadapi dinamika era digital.
DAMPAK PEMBIAYAAN BANK SYARIAH INDONESIA TERHADAP PEMBANGUNAN EKONOMI BERKELANJUTAN Ayu Hani Marsani Tanjung; Risa Adelila Hasibuan; Sherin Aulia Putri; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
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Sustainable economic development aims to balance economic growth, social welfare, and environmental preservation. In the Islamic economic context, Islamic banks are not only profit-oriented but also serve as instruments for public welfare. This study aims to analyze the impact of Islamic bank financing on sustainable economic development through a case study at Bank Syariah Indonesia (BSI) Krakatau Branch, Medan. The research uses a qualitative descriptive approach through interviews, observation, and literature review. Primary data were obtained from interviews with three financing clients and one financing officer, while secondary data were collected from BSI reports, OJK publications, and academic literature. The findings show that Islamic financing positively impacts community economic growth, MSME empowerment, and environmentally friendly financing (green financing). The musyarakah and mudharabah contracts enhance business productivity and welfare, while social programs such as qardhul hasan strengthen social solidarity. However, challenges remain in the dominance of consumptive financing and low Islamic financial literacy. Therefore, Islamic financing should be continuously developed in accordance with maqashid al-syariah principles to achieve an inclusive and sustainable economy.
PRINSIP KEADILAN DAN TRANSPARANSI DALAM SISTEM PEMBIAYAAN BANK SYARIAH UNTUK KEMASLAHATAN UMAT Muhammad Abdillah Pratama Aminullah; Stefani; Khoirotun Nisa Limbong; Muhammad ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
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The principles of justice and transparency are the main foundations of Islamic banking operations. These two principles ensure that every financing product and service not only complies with Sharia law but also provides tangible benefits to the wider community. This article comprehensively discusses how the principles of justice and transparency are applied in the Islamic banking financing system, as well as how their implementation contributes to the welfare of the community. This research uses a qualitative approach with a literature analysis of various regulations, journals, and related fatwas. The results of the study indicate that the implementation of these two principles can foster economic stability, increase public trust, and ensure the achievement of the objectives of maqasid al-shariah in the financial sector.

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