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University of Muhammadiyah Banjarmasin Main Campus (St. Gubernur Syarkawi, Lingkar Utara, Handil Bakti, Kab. Barito Kuala, South Kalimantan, Indonesia)
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Tawazuna
Published by Universitas Muhammadiyah Banjarmasin
ISSN : -     EISSN : 2809588X     DOI : https://doi.org/10.35747/twz.v3i2.1005
Core Subject : Economy,
Economics, Econometrics & Finance
Focus: Tawazuna Journal focuses on publishing research and reflections in the field of Islamic banking, with an emphasis on the integration of Sharia principles in financial systems, banking practices, and economic development. Scope: The journal covers topics including: Islamic banking principles, practices, and innovations. Sharia compliance, governance, and regulations in Islamic finance. Risk management in Islamic banking. Islamic capital markets and investment. Economic development and financial inclusion through Islamic banking. Ethical and social responsibility in Islamic financial institutions. Case studies and practical applications of Islamic banking. Islamic Capital Market (Islamic Bond/SUKUK & Islamic Stock Islamic Financial Accounting. The journal invites contributions from researchers, academics, and practitioners in the field of Islamic banking.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
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Search results for , issue "Vol. 2 No. 2 (2023)" : 6 Documents clear
Financial Markets And Regulation Of Cashless Implementation Ayustri Alni, Verina
Tawazuna Vol. 2 No. 2 (2023)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v2i2.665

Abstract

Digital payment is one of the electronic transactions issued by the government to facilitate public payments during transactions and minimize the circulation of counterfeit money, money theft or robbery. The use of a cashless system is very beneficial for the monetary sector in Indonesia. When the use of cashless transactions increases, it will reduce transaction costs and money exchange will be easier and faster to do, which will have a good impact on Indonesia's output and economic growth. Therefore, if the community is more supportive of the use of a cashless system issued by the government, queuing activities when taking money will be resolved easily and make it easier for us to transact in large quantities.
Green Banking And Green Economy Sustainability Wibowo, Fatria Ulfa
Tawazuna Vol. 2 No. 2 (2023)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v2i2.666

Abstract

Currently, the environmental dilemma is an issue that continues to be discussed in various countries. Climate change, natural disasters, and global warming are claimed to be the result of people's lack of awareness of the environment. The emergence of various environmental problems is a special concern for various parties, including economic activity actors, thus giving rise to the Green Economy plan. The method in this article is library research using several books, journals, and reports as authorship references. The green economy aims to accelerate innovation and investment in sustainable development. Some parts of the green economy are an overall part of sustainable development. Banking globally is also implementing green banking practices, which are increasingly evolving as a banking approach to addressing environmental issues. Banks play a role in providing funding for projects and investments that have the potential to cause environmental damage. Conclusion in this article Green economy is economic development that prioritizes safety and environmental sustainability, provides benefits in the short and long term (sustainable), and reduces inequality for current and future generations and aims to accelerate innovation and investment in sustainable development. Similarly, in the banking sector, banks are responsible for supporting infrastructure development and investment that can damage the environment.
4The Inffluence of Financial Technology of MSME Financing Muhammad, Raudatul Hasanah
Tawazuna Vol. 2 No. 2 (2023)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v2i2.668

Abstract

FinTech is type of technology based financial service that enables financial transactions without an account. With the ongoing advancement in technology, there will no doubt be a lot of changes. As a result, technology will be increasingly used to assist community activities, one of which is the economy. Fintech itself offers a number of services, including financing, investment, and payments. One of the services that can be used is P2P landing, where this site will connect those who have money and those who need money. This can help MSME finance in developing their companies by registering fintech with BANK Indonesia. The existence of fintech is expected to have a positive impact on MSME funding.
FINANCING LIFE INSURANCE and the CONCEPT of MITIGATING THE RISK of CUSTOMER DEATH khabib musthofa, Khabib Musthoa; nafidzi, elman; maharani, dewi; royzak, abdul
Tawazuna Vol. 2 No. 2 (2023)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v2i2.720

Abstract

The existence of financing in Islamic banking has several financing risks, one of which is the default of the customer due to death. Facing this risk, banks certainly have risk management so that this can be controlled which in the future does not make Islamic banking suffer losses. In writing this article using a descriptive qualitative approach with a literature study, with the aim of describing the existence of life insurance in financing, risk mitigation and the benefits therein. The strategic step to mitigate risk that is most often used by banks is to provide financing life insurance cover as protection against financing in the face of this disaster, where the existence of insurance is a tool to bear customer financing obligations and as an action so as not to burden other heirs, if examined together there are two substances so that both parties (banks and customers) feel protected.
Overview of Financial Services in the 5.0 Era Masrina, Dinda Awaliah Ramadhani
Tawazuna Vol. 2 No. 2 (2023)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v2i2.731

Abstract

overview of financial services in the 5.0 era. Era 5.0 is a digital era characterized by the rapid development of information and communication technology. Financial services are one of the sectors significantly affected by this development. This article provides an overview of the changes and transformation of financial services in the 5.0 era. This research uses a descriptive method and collects data from various reliable sources, including literature studies and recent publications. The analysis shows that the 5.0 era has brought significant changes in financial services.  Technologies such as artificial intelligence, big data, blockchain and the Internet of Things have changed the way financial services are provided and accessed by users. Some important trends in financial services in the 5.0 era include digitalization, personalization, integration, and security.  In addition, the adoption of new technologies such as biometric technology and digital payments is increasing. However, there are also challenges that need to be overcome, such as data security, privacy, and financial inclusion. This research provides valuable insights into the development of financial services in the 5.0 era and its implications for financial industry players.
Opportunities and Challenges of Sharia Fintech (Financial Technology) in Indonesia Asyifa, Nahdiyatul
Tawazuna Vol. 2 No. 2 (2023)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v2i2.732

Abstract

Currently, the development of Islamic fintech (financial technology) in Indonesia is growing rapidly. But on the other hand, there are some phenomena and problems in conventional fintech that have a negative impact on society. Therefore, the existence of sharia fintech should be a solution to this phenomenon. The purpose of this research is to find out about the opportunities and challenges of sharia fintech (Financial Technology) in Indonesia. This research uses descriptive analysis with a qualitative approach. The data analysis technique used is the interactive model. The results showed that there are opportunities and challenges of sharia fintech in Indonesia consisting of: regulation, human resources, and mastery of technology from the community.

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