cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
zainuddin
Contact Email
zainuddin@uqi.ac.id
Phone
+6282281538984
Journal Mail Official
lp3m@uqi.ac.id
Editorial Address
Jln. Lintas Timur KM. 36 Indralaya, Kab. Ogan Ilir, Sumatera Selatan
Location
Kab. ogan ilir,
Sumatera selatan
INDONESIA
LA RIBA: Jurnal Perbankan Syariah
Published by Universitas Al-Qur'an Ittifaqiah Indralaya
ISSN : -     EISSN : 27747336     DOI : https://doi.org/10.53649/lariba
Core Subject :
This journal focuses on the development and dissemination of research in the field of Islamic finance and banking.
Arjuna Subject : -
Articles 88 Documents
 5   6   7   8   9 
IMPLEMENTASI PRINSIP EKONOMI SYARIAH DALAM FATWA DSN-MUI NO.146 TENTANG ONLINE SHOP : SEBUAH STUDI LITERATUR Kamalia Sani
LA RIBA: Jurnal Perbankan Syariah Vol. 7 No. 01 (2025): Desember 2025
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/la riba.v7i01.1313

Abstract

Abstract This study is a literature review that aims to analyze the substance and implications of DSN-MUI Fatwa No. 146/DSN-MUI/XII/2021 regarding online shopping practices from an Islamic economic perspective. Through an in-depth examination of the official fatwa document and various relevant academic sources, this research maps the Sharia principles underlying digital transactions, identifies practical challenges in implementation, and explores opportunities to strengthen the Sharia-based e-commerce ecosystem in Indonesia. The findings reveal that the fatwa provides a comprehensive normative framework for online trading activities, emphasizing the values of transparency, justice, product halalness, and consumer protection. The consistent application of these principles can enhance ethical governance in the digital economy in accordance with Islamic law. In addition, this study offers several policy recommendations and strategic initiatives for business actors, regulators, and Islamic financial institutions to promote the sustainable implementation of Sharia principles within the digital commerce sector.
PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL TAHUN 2021-2023 Repi; Hairunnisa; Darsi Ahmadan
LA RIBA: Jurnal Perbankan Syariah Vol. 7 No. 01 (2025): Desember 2025
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/la riba.v7i01.1376

Abstract

Penelitian ini dilakukan untuk mengukur efektifitas kinerja keuangan menggunakan rasio-rasio keuangan yaitu BOPO, ROA, dan ROE. Tujuan dilakukannya penelitian ini adalah untuk mengetahui seberapa besar kemampuan perusahaan Bank Syariah dan Bank Konvensional dalam mengelola beban operasional agar tidak meningkat. Penelitian ini menggunakan metode kuantitatif, jenis data yang digunakan dalam penelitian ini adalah data sekunder, jenis data yang digunakan dalam penelitian ini adalah data sekunder, sedangkan sumber data pada penelitian ini diperoleh dari hasil dokumentasi dan kepustakaan melalui website. Teknik analisis data dilakukan dengan statistik deskriptif, uji normalitas, dan uji paired sample t-test. Adapun hasil dari penelitian ini menunjukkan Bank Syariah dan Bank Konvensional tidak memiliki perbedaan yang signifikan dalam kinerja keuangan, menurut indikator Biaya Operasional dan Pendapatan Operasional (BOPO), indikator Return On Asset (ROA), dan indikator Return On Equity (ROE) menunjukkan bahwa tidak ada perbedaan yang signifikan dalam kinerja keuangan antara Bank Syariah dan Bank Konvensional. Bank Syariah dan Bank Konvensional menunjukkan kinerja yang baik dalam hal Return On Asset (ROA), Return On Equity (ROE). Namun, Bank Konvensional menunjukkan kinerja yang lebih baik dalam Biaya Operasional dan Pendapatan Operasional (BOPO).
Pengaruh Promosi dan Nilai Taksiran Terhadap Minat Nasabah Menggunakan Fasilitas Gadai Emas pada Bank Syariah Indonesia KC Prabumulih Sudirman 1 Puspa Utami; Muhlisin Muhlisin; Kamalia Sani
LA RIBA: Jurnal Perbankan Syariah Vol. 7 No. 2 (2026): La Riba: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v7i02.2076

Abstract

This study aims to examine the effect of promotion and appraisal value on customers' interest in using the gold pawn financing facility at Bank Syariah Indonesia (BSI) KC Prabumulih Sudirman 1. A quantitative approach was employed using a survey method involving 89 respondents, and the data were analyzed through linear regression using SPSS. The findings indicate that both promotion and appraisal value have a positive and statistically significant effect on customers' interest in utilizing the gold pawn facility. Promotion emerged as the more influential variable, with a t-value of 5.384 (p < 0.001), while appraisal value also demonstrated a significant effect, with a t-value of 4.353 (p = 0.001). These findings suggest that effective promotional strategies and competitive appraisal values play a crucial role in enhancing customers' intention to use gold pawn financing services. Therefore, Bank Syariah Indonesia should optimize its promotional activities and collateral appraisal policies to strengthen the competitiveness of its gold pawn products and increase customer interest.
Pendekatan Tafsir Maqāsidī terhadap Kebijakan Fiskal: Zakat dan Kharāj Khozinul Alim
LA RIBA: Jurnal Perbankan Syariah Vol. 7 No. 2 (2026): La Riba: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v7i02.2087

Abstract

Tafsir maqāṣidī menggeser pemahaman zakat dan kharāj dari bacaan tekstual-normatif menuju kebijakan fiskal yang kontekstual. Riset kepustakaan kualitatif ini menganalisis QS al-Taubah [9]: 103, QS al-Baqarah [2]: 267, dan QS al-Ḥasyr [59]: 7 dengan kerangka maqāṣid al-Shāṭibī dan Ibn ‘Āshūr. Zakat berfungsi melindungi harta (ḥifẓ al-māl) dan jiwa (ḥifẓ al-nafs) melalui redistribusi kekayaan dan pengentasan kemiskinan. Kharāj, yang berakar pada QS al-Ḥasyr [59]: 7, beroperasi sebagai pajak progresif untuk infrastruktur publik (ḥifẓ al-‘aql) dan urusan keagamaan (ḥifẓ al-dīn). Integrasi keduanya menghasilkan sinergi: zakat menangani kebutuhan dasar individu, kharāj membiayai barang publik jangka panjang. Tafsir maqāṣidī melahirkan kebijakan fiskal yang adil, kontekstual, dan berorientasi kemaslahatan. Implikasinya meliputi penyesuaian nisab zakat, integrasi administrasi zakat dan pajak di bawah Bayt al-Māl, serta penyusunan APBN berbasis maqāṣid.
Pemasaran Cross Selling dalam upaya Meningkatkan Minat Nasabah pada Produk Rindu Haji di Bank Muamalat KCP Nganjuk Hernizah Heman; Dwi Setya Nugrahini
LA RIBA: Jurnal Perbankan Syariah Vol. 7 No. 2 (2026): La Riba: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v7i02.2133

Abstract

This study aims to analyze the implementation of a cross-selling marketing strategy in increasing customer interest in the Rindu Haji product at Bank Muamalat KCP Nganjuk. This research employed a qualitative descriptive approach using interview techniques. The results indicate that the cross-selling strategy was implemented through product promotion and explanation of its benefits. However, its implementation was not optimal due to limited communication with customers. Service quality was identified as the main factor influencing the success of the strategy, resulting in customer interest in the Rindu Haji product not increasing optimally.
Strategi Persaingan dalam Memasarkan Produk Halal di Era Digital Junida Sari; Juliana Putri
LA RIBA: Jurnal Perbankan Syariah Vol. 7 No. 2 (2026): La Riba: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v7i02.2165

Abstract

This study aims to explain and conclude the competitive strategy in marketing halal products in the rapidly developing digital era and has a very wide reach. This study uses a descriptive qualitative method with a literature study approach, where data is collected from various sources such as books, scientific journals, articles, reports, and other relevant documents related to halal product marketing. The results of the study indicate that the halal product market has experienced significant growth, especially with the support of digital technology that allows fast and wide access to information. This condition triggers increasingly tight competition between business actors, so that appropriate and sustainable strategies are needed. The strategies used include the application of the values of monotheism, Islamic business ethics, and guarantees that the products and services offered truly meet halal standards. Other strategies include the use of digital marketing, training and education of business actors, aggressive promotions, cross-sector collaboration, product innovation, halal tourism development, improving quality and service, and ownership of official halal certificates. The use of social media, e-commerce platforms, and other information technologies are important instruments in building a positive image of halal products and reaching wider consumers, both nationally and globally. This integrated strategy is expected to strengthen the competitiveness of halal products in facing the competitive and ever-changing digital era.
Moral Embeddedness and Institutional Resilience in Islamic Microfinance Cooperatives: Evidence from Baitul Maal Wat Tamwil in South Sumatra Ratna Ratna
LA RIBA: Jurnal Perbankan Syariah Vol. 7 No. 2 (2026): La Riba: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v7i02.2260

Abstract

Background: Baitul Maal Wat Tamwil (BMT) is a distinctive Indonesian form of Islamic microfinance because it combines cooperative membership, commercial microfinance, and a moral commitment to riba-free transactions. Objective: This study explains why some BMTs in South Sumatra survive, reform, and expand, whereas others stagnate or collapse. Methods: The study applies a qualitative multiple-case design with inductive thematic analysis of seven BMT cases: BMT Al-Aqobah Palembang, KSPPS BMT Bina Ummat, BMT Insan Mulia Palembang, Kopsyah BMT Prima Lempuing Jaya, BMT Surya Barokah Palembang, KSU Syari’ah BMT Trans Mekar Sari Mandiri, and BMT Puskopis. Interviews, observations, institutional documents, and descriptive financial indicators were triangulated with literature on Islamic microfinance, cooperative governance, mission drift, and institutional sustainability. Results: Islamic identity attracts legitimacy but does not automatically generate resilience. Surviving BMTs convert moral legitimacy into accountable organizational routines through selective financing, transparent administration, member proximity, digital and administrative adaptation, human resource development, and real-sector anchoring. Fragility emerges when weak internal control, non-selective financing, insider opportunism, overlapping collateral, and withdrawal delays erode community trust. Contribution: The article advances a survival–fragility framework in which moral-Shariah identity, community embeddedness, governance discipline, and adaptive capacity operate as mutually reinforcing conditions for BMT sustainability.
Inovasi Model Wakaf Berbasis Conditional Cash Transfer (CCT) Syariah: Strategi Baru Pengentasan Stunting di Indonesia Darsi Ahmadan
LA RIBA: Jurnal Perbankan Syariah Vol. 7 No. 2 (2026): La Riba: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v7i02.2310

Abstract

Stunting masih menjadi masalah kronis di Indonesia dengan prevalensi 19,8% pada 2024, sementara Program Keluarga Harapan (PKH) sebagai program conditional cash transfer (CCT) terbesar kedua di dunia menghadapi keterbatasan anggaran negara dan ketidakakuratan data penerima manfaat. Di sisi lain, potensi wakaf uang nasional mencapai Rp180 triliun namun realisasinya masih di bawah 2%. Penelitian ini bertujuan merancang model inovatif "Wakaf-CCT Syariah" sebagai strategi baru pengentasan stunting dengan menggunakan pendekatan kualitatif-eksploratoris berbasis Design Science Research Methodology, melalui studi literatur sistematis, wawancara mendalam dengan 18 informan kunci, dan Focus Group Discussion. Hasil penelitian menghasilkan model yang mengintegrasikan tiga komponen: sumber pendanaan abadi berbasis wakaf uang dan Cash Waqf Linked Sukuk (CWLS), mekanisme pensyaratan kesehatan (pemeriksaan kehamilan, imunisasi, ASI eksklusif, edukasi gizi), serta sistem pemantauan terpadu melibatkan nazhir dan tenaga kesehatan. Validasi multi-pemangku kepentingan menunjukkan model ini absah secara syariah merujuk Fatwa DSN-MUI dan selaras dengan maqashid syariah, meski memerlukan mitigasi terhadap keterbatasan kapasitas nazhir dan sistem data terpadu. Penelitian ini memperkenalkan konsep teoretis baru, Conditional Waqf Transfer (CWT), sebagai kontribusi orisinal bagi literatur keuangan sosial Islam dan pencapaian SDG 2.2

Page 9 of 9 | Total Record : 88

 5   6   7   8   9 

Filter by Year

2019 2026


Reset
Filter By Issues
All Issue Vol. 7 No. 2 (2026): La Riba: Jurnal Perbankan Syariah Vol. 7 No. 01 (2025): Desember 2025 Vol. 6 No. 02 (2025): Juni 2025 Vol. 6 No. 1 (2024): Desember 2024 Vol. 5 No. 2 (2024): Juni 2024 Vol. 5 No. 1 (2023): Vol. 5 No. 1 Desember 2023 Vol. 4 No. 2 (2023): Juni 2023 Vol. 4 No. 01 (2022): Desember 2022 Vol. 3 No. 02 (2022): Juni 2022 Vol. 3 No. 01 (2021): Desember 2021 Vol. 2 No. 02 (2021): Juni 2021 Vol. 2 No. 01 (2020): Desember 2020 Vol. 1 No. 02 (2020): Juni 2020 Vol. 1 No. 01 (2019): Desember 2019 More Issue