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Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah
Published by Syamilah Publishing
ISSN : 31093752     EISSN : 31091563     DOI : -
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah (E-ISSN 3109-1563 | P-ISSN 3109-3752) merupakan jurnal ilmiah nasional yang terbit secara berkala 2 (dua) kali dalam setahun pada bulan Mei dan November sejak tahun 2024. Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah diterbitkan dan dikelola secara independen oleh SYAMILAH PUBLISHING yang berada di bawah naungan PT. SYAMILAH LITERASI ISLAMI dan didedikasikan sebagai media publikasi karya akademik terbaik para peneliti dari kalangan akademisi dan praktisi. Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah menempatkan isu-isu seputar Ekonomi Islam, Filantropi serta Perbankan Syariah sebagai fokus kajian akademis . Artikel yang dipublikasikan Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah ditulis menggunakan bahasa Indonesia, bahasa Inggris dan bahasa Arab. Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah telah terindeks di berbagai platform indeks artikel ilmiah seperti Google Scholar, dan lain-lain.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 10 Documents
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Search results for , issue "Vol 2 No 1 (2025): Mei" : 10 Documents clear
The Influence of Family Motivation, Knowledge of Profit Sharing Ratio, and Level of Faith on Interest in Working in Islamic Financial Institutions Ari Sarwo, Ari Sarwo; Sri Rahayu Indah Azhary; Indah Safitri
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 2 No 1 (2025): Mei
Publisher : Syamilah Publishing

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Abstract

Islam in Indonesia is the majority religion, where the economy is very diverse and plural. This is because Indonesia is dominated by Islamic financial institutions, all societal norms refer to Islamic values, especially the value of muamalah. The Financial Services Authority in Indonesia has provided a report on the development of Indonesian sharia finance as a form of responsibility to encourage the development of a sharia-based financial industry through the compilation of complete and detailed information about the progress of how the Islamic financial industry and the factors that can influence it every year. This study explores the impact of the influence of family motivation, knowledge, profit-sharing ratio and level of faith on career interests in Islamic institutions. The sample used is students of the faculty of economics, the type of research used is quantitative research using primary data types. The results of this study are: family motivation affects work interest, while knowledge of profit sharing ratio and level of faith does not affect student work interest. The next suggestion for researchers is to add samples and focus more on students concentrating on Islamic accounting.
Implementation of Digital Payment in Sharia Financial System: Accounting and Islamic Law Perspectives: Penerapan Digital Payment dalam Sistem Keuangan Syariah: Perspektif Akuntansi dan Hukum Islam Rani Raudhotul Jannah; Kaela Najwa Himatul Ulya; Nur Lita Novianti
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 2 No 1 (2025): Mei
Publisher : Syamilah Publishing

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Abstract

Penelitian ini bertujuan untuk mengkaji penerapan digital payment dalam sistem keuangan syariah, ditinjau dari perspektif akuntansi syariah dan hukum Islam. Seiring dengan pesatnya perkembangan teknologi finansial, penggunaan digital payment seperti e-wallet, QRIS, dan mobile banking semakin meluas, termasuk dalam transaksi ekonomi masyarakat muslim. Oleh karena itu, penting untuk menganalisis bagaimana praktik digital payment dapat diselaraskan dengan prinsip-prinsip syariah, baik dari sisi pencatatan akuntansi maupun keabsahan akad secara fikih. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan metode studi pustaka (library research) yang mengacu pada literatur-literatur relevan dalam bidang akuntansi syariah, fikih muamalah, serta regulasi keuangan digital di Indonesia. Hasil kajian menunjukkan bahwa transaksi digital dapat dicatat dengan prinsip-prinsip akuntansi syariah yang menekankan pada kejujuran, keadilan, dan akuntabilitas sebagaimana diatur dalam PSAK Syariah. Di sisi lain, dari perspektif hukum Islam penggunaan digital payment dapat dikategorikan sebagai akad yang sah apabila memenuhi rukun dan syarat muamalah serta tidak mengandung unsur riba, gharar, atau maysir. Beberapa platform digital payment telah menerapkan akad seperti wadi’ah, wakalah, atau kafalah untuk menjamin kepatuhan syariah dalam operasionalnya. Implikasi dari penelitian ini adalah pentingnya penguatan regulasi dan edukasi bagi masyarakat muslim terkait digital payment berbasis syariah. Penelitian ini juga memberikan landasan konseptual bagi pengembangan sistem keuangan syariah yang lebih adaptif terhadap inovasi teknologi. Untuk pengembangan lebih lanjut, penelitian ini merekomendasikan studi empiris yang melibatkan pengguna dan institusi keuangan guna mengkaji efektivitas dan akseptabilitas digital payment dalam kerangka syariah secara lebih komprehensif.
Analisis Perkembangan Regulasi Perbankan Syariah Di Indonesia : Peluang Dan Tantangan Bintang Kartika; Anggun Okta Fitri; Muhammad Iqbal Fasa
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 2 No 1 (2025): Mei
Publisher : Syamilah Publishing

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Abstract

Perbankan syariah di Indonesia berkembang pesat seiring meningkatnya kesadaran masyarakat akan sistem keuangan berbasis prinsip Islam. Regulasi yang mengatur sektor ini berperan penting dalam mendorong pertumbuhan industri perbankan syariah. Penelitian ini bertujuan untuk mengeksplorasi perkembangan regulasi perbankan syariah di Indonesia serta mengidentifikasi peluang dan tantangan dalam penerapannya. Dengan menggunakan pendekatan kualitatif melalui studi literatur dan analisis kebijakan, penelitian ini mengkaji berbagai regulasi yang dikeluarkan oleh pemerintah dan otoritas terkait, seperti Undang-Undang Perbankan Syariah, peraturan dari Otoritas Jasa Keuangan (OJK), serta fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI). Hasil penelitian menunjukkan bahwa perkembangan regulasi telah memberikan dasar hukum yang lebih kokoh bagi industri ini, terutama dalam aspek permodalan, transparansi, dan pengawasan. Regulasi ini menciptakan berbagai peluang, termasuk peningkatan kepercayaan masyarakat, ekspansi pasar, dan inovasi produk keuangan syariah. Namun, terdapat tantangan yang perlu diatasi, seperti kesenjangan dalam implementasi regulasi, rendahnya literasi keuangan syariah, serta persaingan dengan perbankan konvensional. Selain itu, diperlukan harmonisasi regulasi antar lembaga terkait untuk meningkatkan efektivitas pengawasan dan kepatuhan terhadap prinsip syariah.
Analysis of the Role of Sharia Supervisory Boards Sri Winarsih; Anggun Okta Fitri; Muhammad Iqbal Fasa
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 2 No 1 (2025): Mei
Publisher : Syamilah Publishing

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Abstract

The role of the Sharia Supervisory Board (SSB) is becoming increasingly important in the development of Islamic banking to ensure that financial institutions operate in accordance with sharia principles. The purpose of this study, Analysis of the Role of the Sharia Supervisory Board in Enhancing Sharia Compliance in Islamic Banking: A Literature Review, is to investigate the strategic role of the SSB in supporting sharia compliance in Islamic banking institutions. Data and information were collected from various academic sources, such as journals, books, and relevant research reports in the last five years. A literature review approach was used as the research method. This study is divided into three main chapters. First, the SSB has a strategic responsibility to supervise and advise Islamic financial institutions to ensure that the principles of Islamic law are applied to all bank goods and services, including avoiding riba, gharar, and maysir. Second, this study found that the SSB faces several problems in carrying out its functions. Some of these problems include the lack of experienced human resources in the field of sharia, the lack of public understanding of the function of the SSB, and pressure from external parties that can hinder the implementation of sharia principles. Third, this study suggests several ways to improve the effectiveness of the SSB. This includes enhancing the capabilities of DPS members through continuous training, increasing collaboration between DPS and relevant authorities such as the National Sharia Board (DSN), and implementing greater transparency of sharia audits.
Analysis of Sustainability and Sharia Compliance in Fintech and E-Commerce Business Services in Indonesia Annisa Putri Maharani; Anggun Okta Fitri; Muhammad Iqbal Fasa
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 2 No 1 (2025): Mei
Publisher : Syamilah Publishing

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Abstract

This research was conducted based on the economic development sector in Indonesia. Interaction between consumers and producers is now made more active and efficient, with the existence of e-commerce services and carried out digitally, there is no need to bring two parties together. not only in terms of transactions, but also in the financial services sector, where there has also been a transformation from initially transactions carried out using paper money, to now switching to using digital money with the presence of financial technology (fintech), even sharia-based ones. So with the events in these brackets, a problem formulation was created regarding how to study recording analysis and fintech as well as opportunities in sharia business in Indonesia. This research is a study of the literature in analytical descriptive type. Discusses e-commerce and Fintech from various reference sources which are collected and used as descriptions to facilitate the analysis process. The results conclude that the transformation of e-commerce and Fintech and its overall application are very beneficial for both consumers and producers, but there are still shortcomings such as fraud, protection of consumers' personal data, and unsuitable ordered goods. If you look at the competition with conventional financial institutions, of course sharia fintech still needs quite a long time, especially now that it is still in the minority so its use is not as widespread as conventional institutions.
Analysis of Operational Risk Management Literature in Islamic Banking Okta Sari; Anggun Okta Fitri
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 2 No 1 (2025): Mei
Publisher : Syamilah Publishing

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Abstract

Operational risk will always be faced by all financial institutions in running their business and business, and it cannot be separated by human factors, services, administrative processes and so on. The purpose of this study to examine in depth how operational risk management is applied by Islamic banking, especially in Indonesia. This research method uses descriptive qualitative approach with literature review technique to analyze operational risk management in Islamic banking. A literature study was chosen as the method to answer the research question. Data is collected through online searches. The results showed that operational management is very important for the sustainability of Islamic banks in the future, in addition to the benefits that can be received indicate the contribution of good management can be minimized due to unwanted operational errors. Islamic banks from the literature analyzed, have not shown to have developed effective solutions to manage the risks of conventional banks and face their own unique risks.
Implementation Mechanism of Internal Operational System of Islamic Banking Risna Wati; Anggun Okta Fitri
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 2 No 1 (2025): Mei
Publisher : Syamilah Publishing

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Abstract

The Islamic banking system is a system that prioritizes the principle of profit sharing, where profits are obtained fairly and mutually between banks and customers. Based on Islamic law, this system emphasizes fairness, honesty, and Ethics in every transaction, as well as avoiding speculative practices and usury. This study aims to analyze the implementation mechanism of the internal operational system of Islamic banking, assess its compliance with Sharia principles, and measure its effectiveness and efficiency in operations. The method used in this study is qualitative, focusing on an in-depth understanding of the practices and challenges faced by Islamic banking. Through a review of the literature, including books, articles, and related documents, this study explores how sharia principles are applied in bank operations, as well as factors that support their successful implementation. The results showed that Islamic banking in Indonesia has experienced rapid development and become an indicator of the success of the Islamic economy. Islamic banks not only function as an intermediary institution, but also as an agent of social change oriented to the welfare of society. By prioritizing the principles of partnership, transparency, and accountability, Islamic banks strive to provide services that are in accordance with Islamic values. However, challenges remain in the implementation of its operating system, including public awareness of Sharia products and supporting regulations. This study recommends the need for increased understanding and education about Islamic banking among the public, as well as strengthening regulations to support Islamic bank operations. Thus, it is expected that Islamic banks can contribute more to the economic welfare of the community as a whole.
Innovation of Islamic Financial Products and Services in the Digital Cindi Safitri; Anggun Okta Fitri
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 2 No 1 (2025): Mei
Publisher : Syamilah Publishing

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Abstract

The advancement of digital technology has led to significant changes in various areas of the industry, including Islamic banking. The digital Era has created new opportunities for Islamic banking to innovate in developing products and services that are more accessible, efficient, and in accordance with Islamic principles. This research uses qualitative method with literature study approach. Library sources can be obtained from books, journals, magazines, research results (theses and dissertations), and other relevant sources (internet, newspapers, and others). The results show that innovation of products and services related to Islamic finance in the digital era has significant potential to improve financial accessibility, improve operational efficiency, increase transparency, develop products and services that are more in line with the needs of Micro, Small, Medium and large enterprises, and increase awareness of financial products. This paper provides guidance on how to improve the innovation of Islamic banking products and services in the digital era, such as improving more personalized products and services, improving standards of financial literacy and education.
Kepemilikan Harta Kekayaan dalam Ekonomi Islam pada Usaha Kecil (Studi Kasus di Desa Rowoyoso) Indah Khoirunisa; Ainun Roifa; Ana Mutamimah; Dea Syakiroh Maghfirotun Nisa’; Dini Syafa’ati
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 2 No 1 (2025): Mei
Publisher : Syamilah Publishing

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Abstract

Islam sebagai sistem kehidupan yang universal dan komprehensif dipercaya oleh umatnya mengatur segala bentuk aktivitas manusia, termasuk dalam bidang ekonomi. Salah satu aspek yang diatur dalam ekonomi Islam adalah konsep kepemilikan harta kekayaan (al-milkiyyah). Islam memberikan ruang bagi manusia untuk memanfaatkan kekayaan yang dianugerahkan-Nya guna memenuhi kebutuhan hidup, memerangi kemiskinan, dan mewujudkan kesejahteraan. Penelitian ini bertujuan mengkaji penerapan konsep kepemilikan dalam ekonomi Islam oleh pemilik warung sembako di Desa Rowoyoso. Penelitian ini menggunakan metode ekplorasi lapangan, dengan melakukan wawancara dengan tiga pemilik toko sembako di Desa Rowoyoso. Sumber data diperoleh dengan menggunakan sumber data sekunder. Metode pengumpulan dalam penelitian ini menggunakan teknik pengumpulan data dengan wawancara dan dokumentasi. Teknik analisis data dalam penelitian kualitatif adalah induktif. Dari hasil penelitian ini dapat disimpulkan bahwa pemilik toko sembako di Desa Rowoyoso menggunakan metode manual sederhana untuk pencatatan keuangan, walaupun menggunakan metode manual tetap mencatat setiap pemasukan dan pengeluaran secara rinci, mulai dari pembelian barang dari pemasok hingga penjualan barang kepada konsumen. Para pemilik toko sembako juga tetap memperhatikan kehalalan produk yang akan mereka jual. Tidak hanya itu, sebagian keuntungan atau harta dari hasil penjualan para pemilik toko untuk zakat atau infaq agar memberikan manfaat yang lebih luas. Para pemilik juga berusaha menjaga prinsip kejujuran dan transparansi dalam setiap transaksi.
Konsep Distribusi Kekayaan dalam Ekonomi Islam: Studi Kasus di Indonesia Nadhiya’ Ulkhaq; Muslimah; Widia Ayu Reza Amelia
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 2 No 1 (2025): Mei
Publisher : Syamilah Publishing

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Abstract

Distribusi kekayaan menjadi isu utama dalam perekonomian modern, termasuk di Indonesia, di mana sebagian besar kekayaan terkonsentrasi pada kelompok tertentu, meninggalkan mayoritas masyarakat dalam kemiskinan. Penelitian ini mengkaji konsep distribusi kekayaan dalam ekonomi Islam serta implementasinya di Indonesia. Dengan menggunakan metode kualitatif berbasis studi literatur, penelitian ini menemukan bahwa prinsip utama distribusi kekayaan dalam ekonomi Islam adalah keadilan dan kasih sayang. Keadilan meliputi distribusi yang seimbang sesuai norma keadilan yang diterima luas, sedangkan kasih sayang menekankan solidaritas sosial melalui instrumen seperti zakat, infak, dan sedekah. Dalam konteks Indonesia, penerapan ekonomi Islam telah menunjukkan kemajuan melalui kebijakan pemerintah, peran lembaga keuangan syariah, dan kontribusi masyarakat. Namun, implementasi ini masih menghadapi tantangan signifikan, termasuk kurangnya pemahaman masyarakat, keterbatasan infrastruktur, dan hambatan regulasi. Hasil penelitian ini diharapkan dapat menjadi referensi bagi pengembangan ekonomi syariah yang lebih inklusif dan berkelanjutan di Indonesia.

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