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Masrina, S.E.I., M.H
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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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INDONESIA
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 35 Documents
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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.
The Effect of Fiscal Policy in Stabilizing Poverty Bianka, Astina; Anggita Muslihani; Ayu Andira
Tawazuna Vol. 3 No. 1 (2023)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v3i1.809

Abstract

This research is motivated by fiscal policy which is a policy that has been carried out by the government in order to stabilize the economy in a country through existing expenditure and income from the government in the divisions of the budget in a country. The problem that occurs in this study is poverty that occurs in society which has many dimensions because it is related to inability in an economic field. Poverty has long been an economic problem among the people. The purpose of this study is also a forum to find out how the relationship between the influence of fiscal policy and stabilizing poverty that occurs. Then, the method used in writing this journal is a qualitative method where the results are data collection that is narrative in nature like journals in general. As a result, the government will set policies to expand economic development and reduce poverty. The government will also have the problem of increasing the deficit which has the potential and has determined the priority scale. So, the conclusion is that fiscal policy including tax and zakat management has a very significant impact in stabilizing poverty that occurs in a country. Taxes can be used to reduce the income gap and within a group of people. While zakat is also one of the existing fiscal policies in Islam and can reduce the stability of poverty. Then, in this global context, there is international cooperation with comprehensive fiscal policy managers that can help and reduce disparities in rich or poor countries
Effectiveness of Monetary and Fiscal Policies Fiscal Policy Effectiveness on Inflation and Unemployment Reduction in South Kalimantan Rahimah, Afiatur; Ananda Aulia Futra; Sepreika Mutiyara
Tawazuna Vol. 3 No. 1 (2023)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v3i1.810

Abstract

This research aims to analyze the effectiveness of monetary and fiscal policies in combating inflation and unemployment in South Kalimantan and Indonesia. Reliable primary data sources such as journals, the Central Bureau of Statistics, and the official website of Bank Indonesia were utilized in this qualitative analysis. Indonesia, as a developing country, faces economic stability challenges, and monetary and fiscal policies are crucial instruments used by the government and central bank to regulate inflation and the overall economy. South Kalimantan, despite its abundant natural resources, still encounters economic disparities between urban and rural areas and sustainable resource management issues. To address these challenges, the government implements monetary and fiscal policies to facilitate economic control. The central bank aims to balance the money supply and commodity availability to achieve controlled inflation, full employment, and smooth commodity distribution. Fiscal policy plays a vital role in regulating macroeconomic balance and influencing short-term economic demand while also impacting long-term economic capacity. The research findings indicate the effectiveness of these policies, demonstrated by the controlled inflation rate in 2022 due to their implementation by the government
The Impact of Foreign Workers (TKA) on Local Workers Local Workers in South Kalimantan Ummi Kalsum; Freti Anggriani; Alfina Damayanty
Tawazuna Vol. 3 No. 1 (2023)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v3i1.811

Abstract

TKA is someone who comes from outside the country of Indonesia who can do work, both inside and outside the work bond to produce goods or services to meet the needs of the community. The research method used in this article is literature review, by taking an approach that involves analysis and synthesis of written sources that are relevant to the issues that have been set as the purpose of writing the article. In the country of Indonesia itself there are 111.7 thousand foreign workers, 5 Kalimantan provinces occupy positions 16, 20, 21, 22, 23. causing a significant impact from the presence of TKA to TKL in South Kalimantan. The regulations in Indonesia that regulate employment are Law Number 13 of 2003 and several Ministerial Regulations Number PPR.02/MEN/III/2008 concerning Procedures for Employing Foreign Workers. Thus it can be concluded that the influence generated by TKA on TKL does not have an impact that creates social jealousy towards TKL towards TKA.
Empowerment of Monetary Policy on Economic Growth in South Kalimantan in the Perspective of Progressive Islamic Economics Saputra, Rian; Sandi Alfianur; maharani, dewi
Tawazuna Vol. 3 No. 1 (2023)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v3i1.812

Abstract

the empowerment of monetary policy can have a significant impact on economic growth especially in South Kalimantan, especially when viewed from the perspective of Islamic economic progress. In Islam, the monetary policy that must be carried out is to follow the principles of Islamic economics or synchronize with Islamic law which prohibits the practice of usury in carrying out every transaction activity such as justice for all parties without any one party being disadvantaged, balance, sustainability and social equality for the community especially in South Kalimantan, sustainable and inclusive economic growth is also an important goal for many countries especially in Indonesia, because this can improve the quality of life and welfare of the community at large. The progressive Islamic perspective recognizes the need for adaptation and progress in the current global economic context. While sticking to the principles of Islamic economics that benefit all people
The The Effect Of Digital Banking Quality On Service Satisfaction For Users At Bank Syariah Indonesia Albanjari, Muhammad Faisal; Nafidzi, Elman; Maharani, Dewi
Tawazuna Vol. 3 No. 1 (2023)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v3i1.829

Abstract

This research was conducted to determine the effect of Quality Design, Accuracy, Speed and Security on service satisfaction for UM Banjarmasin students. This research was conducted on UM Banjarmasin students class of 2019, whose sample amounted to 79 students. The data source was obtained through questionnaires distributed to respondents and processed again using IBM SPSS 23 software, using Multiple Linear Regression tests and this study used quantitative methods. The results showed that the value of Sig. Variable Quality Design (X1), amounted to 0.04 < 0.05 and thitung 2.967 > 1.993 ttabel, Sig. Variable Accuracy (X2), amounted to 0.245 > 0.05 and thitung 1.173 < 1.993 ttabel, Sig. Variable Speed (X3) value of 0.025 < 0.05 and thitung of 2.284 > 1.993 ttabel, and Sig. Variable Security (X4) of 0.000 < 0.05 and thitung of 4.945 > 1.993 ttabel. The results showed that simultaneously the variables Quality Design, Accuracy, Speed, and Security had a positive effect on service satisfaction for UM Banjarmasin students. This can be seen by the Sig. value of 0.000 < 0.05 and the Fhitung value of 30.813 > 2.73 Ftabel.
Exchange Volatility and Monetary Policy to Maintain Economic Stability Misrah; Faujiah, Nurul; Royzak, Abdul
Tawazuna Vol. 3 No. 1 (2023)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v3i1.834

Abstract

One of the indicators that affects the direction of economic growth in various countries is volatility. Volatility can influence the stability of economic conditions both within the commercial and financial sectors, with each country implementing it differently. This article discusses exchange rate volatility and monetary policy in order to maintain economic stability. The authors used library research for this article. According to the various study references, monetary policy has an impact on the rate of economic growth, which can be accomplished by increasing volatility with the goal of stabilizing a country's economy.
A IMPLEMENTATION OF GREEN SUKUK IS BASED ON THE DSN-MUI FATWA NO: 137/DSN-MUI/IX/2020 Munirah, Azizah
Tawazuna Vol. 3 No. 2 (2024)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v3i2.996

Abstract

The important role of sukuk as a source of funding to support national development and a Sharia-based investment instrument in Indonesia has been widely researched and published in various scientific articles. Research on sukuk in Indonesia also continues to increase, from 2010 to 2021there were 47 articles. Increased research on sukuk provides in-depth analytical knowledge aboutthe importance and benefits of Sukuk investment both individually and nationally. In order to develop sharia capital market industries and products in Indonesia, including sukuk-based products, large amounts of funding are needed to participate in investment activities for economicneeds in Indonesia. This article uses qualitative research with data collection techniques such assearching for journals, articles and books that discuss Green Sukuk. After collecting data sources,the author will analyze and draw conclusions as a result of the research. The aim of this researchis to find out how to implement green sukuk based on DSN-MUI Fatwa Number 32IDSN- MUIIIX/2002 concerning Sharia Bonds (also known as Sukuk). This research also finds out aboutthe considerations that DSN-MUI considers it necessary to establish a fatwa on Sukuk to serve as a guideline.

Page 3 of 4 | Total Record : 35

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