Publication Search

72,210 articles from 658 journals · 2,111 citations tracked

Showing 1-20 of 28

Analytics

Syafran Nurrahman; Aep Saefullah; M.Tafsiruddin; Tohiroh Tohiroh; Sitti Aliyah Azzahra +3 more

Jurnal Hasil Kegiatan Bersama Masyarakat 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Mosque-based community economic empowerment activities have significant potential to improve community welfare, particularly for small businesses in the mosque's immediate vicinity. However, implementation is still largely conventional and lacks a data-driven approach, resulting in suboptimal beneficiary identification and activity evaluation. This community service initiative aims to promote a data-driven approach to mosque-based community economic empowerment through sharia bazaar activities. Implementation methods include initial observation, outreach and education for mosque managers and business owners, technical assistance for sharia entrepreneurship, and activity evaluation. The results demonstrate an increased public understanding of the importance of data use in determining beneficiaries, managing bazaar activities, and developing businesses based on sharia economic principles. The outcomes of this initiative include improved data management literacy, a simple data collection format for sharia bazaar activities, and recommendations for developing a mosque-based data collection system. It is hoped that this initiative will be the first step in building a sustainable, transparent, and data-driven community economic empowerment model within the mosque environment.

Naja Alwi Mawardy; Purwanto Purwanto; Nedya Varchaty

Pemberdayaan Masyarakat: Jurnal Aksi Sosial 2025 Lembaga Pengembangan Kinerja Dosen

This community service program aims to improve Arabic language skills through creative learning strategies based on educational games designed for the learning aspects of maharah istima', kalam, qira'ah, kitabah, and qawa'id learning. Mastery of maharah al-'arabiyah at the Madrasah Aliyah level still faces various obstacles. Mainly low learning motivation, lack of method variation, and dominated by textual learning approaches. This activity was carried out at the Madrasah Aliyah Swasta Terpadu Permata Umat, Trenggalek using qualitative methods through observation, interviews, direct mentoring, and documentation of student activities during the training process. The results of this community service program show that the implementation of educational games such as matching games, interactive dialogues, istima' habits, kitabah habits, roleplay games, guessing games, and grammar materials (nahwu and sharaf) combined with a reward system can foster and increase active participation, courage to speak, and increase student motivation in learning Arabic. This activity emphasizes that educational games are an effective approach in improving Arabic language competency in the madrasah environment.

Naja Alwi Mawardy; Purwanto Purwanto; Nedya Varchaty

Pemberdayaan Masyarakat: Jurnal Aksi Sosial 2025 Lembaga Pengembangan Kinerja Dosen

This community service program aims to improve Arabic language skills through creative learning strategies based on educational games designed for the learning aspects of maharah istima', kalam, qira'ah, kitabah, and qawa'id learning. Mastery of maharah al-'arabiyah at the Madrasah Aliyah level still faces various obstacles. Mainly low learning motivation, lack of method variation, and dominated by textual learning approaches. This activity was carried out at the Madrasah Aliyah Swasta Terpadu Permata Umat, Trenggalek using qualitative methods through observation, interviews, direct mentoring, and documentation of student activities during the training process. The results of this community service program show that the implementation of educational games such as matching games, interactive dialogues, istima' habits, kitabah habits, roleplay games, guessing games, and grammar materials (nahwu and sharaf) combined with a reward system can foster and increase active participation, courage to speak, and increase student motivation in learning Arabic. This activity emphasizes that educational games are an effective approach in improving Arabic language competency in the madrasah environment.

Rakhmawati, Arri Maulida; Dianti, Ergita Rahma; Mafiroh, Ita Faikotul; Sulasih, Sulasih

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2025 FEB Universitas Maritim Semarang

This study aims to analyze the factors influencing members’ decisions to take murabahah financing at BMT Mentari Umat Wangon. The research employed a quantitative approach with descriptive and verification methods. The population consisted of active members using murabahah financing, selected through purposive sampling. Independent variables included service quality, knowledge of Islamic products, trust, location, promotion, profit margin, and financing procedures, while the dependent variable was the members’ financing decision. Data were analyzed using multiple linear regression after validity, reliability, and classical assumption tests. The results show that service quality, Islamic product knowledge, trust, profit margin, and financing procedures significantly affect members’ decisions, whereas location and promotion have no significant effect. The most dominant factors are service quality and institutional trust. These findings support the Theory of Planned Behavior (TPB), which emphasizes that attitudes, trust, and perceived control are key determinants of financial decision-making. The study implies that BMT should enhance service quality, strengthen financial literacy related to Islamic products, and develop digital-based service systems to improve efficiency and competitiveness.

Salis Azkia; Salwa Salsabila; Fahmi Abdul Mukhsi; Lina Marlina

Jurnal Ekonomi dan Keuangan Islam 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This research analyzes the fundamental conflict between state regulation and Sharia principles regarding cryptocurrency in Indonesia, aiming to explore the views of Islamic scholars and the legal perspective in the Qur'an and its interpretations. Cryptocurrency has become a popular investment trend, especially among the youth. While the Bank Indonesia (BI) prohibits its use as a legal payment instrument, its trading activity is legalized as an investment asset under the supervision of OJK and BI. Conversely, the MUI Fatwa and the majority of scholars declare crypto transactions as forbidden (haram) due to the presence of elements prohibited in Islamic economics: riba (usury) and gharar (uncertainty). Gharar is linked to the extreme price volatility that encourages speculation (maysir) and the non-physical nature of crypto. Riba, on the other hand, is associated with the potential for unfair profit in lending and staking mechanisms. This prohibition is rooted in the interpretation of the Qur'an (QS. Al-Baqarah: 275 and QS. An-Nisa: 29), which strictly forbids riba and consuming others' wealth through bathil (unlawful) means. Consequently, although legally accepted as an investment asset, many scholars view crypto as violating the principles of justice and transparency in Islamic economics.

Alisya Meitasari Wardani; Dinda Hafnita; Indi Isnandini Fajrin

Jurnal Ekonomi dan Keuangan Islam 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Digital technology chance in Indonesia presents both occasions and constraint for the development of Islamic economics, particularly in implementing Islamic business strategies through e-commerce. The adoption of digital technology, including Islamic fintech and halal e-commerce, has expanded market access, improved efficiency, and strengthened MSME competitiveness while adhering to sharia principles. This study employs a qualitative method using library research and the maqāshid shariah framework to examine the role of digital innovations such as fintech and blockchain in supporting Islamic entrepreneurship. The findings indicate that Islamic business strategies in the digital era have the potential to broaden international market reach, enhance transaction clarity, and reinforce compliance with sharia principles. Furthermore, digital innovation aligns with maqāshid shariah objectives, focusing on the protection of religion, life, intellect, lineage, and wealth. However, challenges remain, including low digital literacy, complex sharia regulations, and the risk of platform misuse. Therefore, cross-sector collaboration, the enhancement of digital and Islamic economic literacy, and strengthening the role of sharia e-commerce supervisory bodies are essential to build a fair and sustainable business ecosystem. With these strategic measures, digital technology integration can serve as a key instrument in strengthening the ummah’s economy, promoting financial inclusion, and positioning Indonesia as a global hub for Islamic economics.

Baharudin Ardani; Muhamad Zen; Fatmawati Fatmawati

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to examine the role of Tim Hadrah Nurul Musthofa in promoting Islamic art products and its contribution to strengthening the community’s economy through a literature review approach. As a religious art group, Tim Hadrah not only serves as a medium for da’wah and the preservation of Islamic culture, but also holds potential as a community-based creative economic agent. This research employs a literature study method by analyzing various written sources such as books, scientific articles, media documentation, and relevant digital content. The findings indicate that Tim Hadrah Nurul Musthofa is actively engaged in producing and marketing Islamic art products through social media platforms, live performances, and merchandise sales. These activities contribute to local economic empowerment and open up opportunities for synergy between art, da’wah, and the Muslim economy. This study underscores the importance of developing culturally grounded da’wah through Islamic arts as a means of social and economic empowerment in modern society.

Rina Setyaningsih; Rohmawati Rohmawati; Vitaloka Vitaloka; Ainun Ni'mah; Ramdan Hadi +2 more

Jurnal Riset Rumpun Ilmu Pendidikan 2025 Lembaga Pengembangan Kinerja Dosen

Liberalism and Islamare two ways in different directions. Although both are often juxtaposed in every discussion of scholars, it is very difficult to put together. Islamis a religion that is assumed to the word of God through"the"book"of"the"Quran"and the hadith"of"the"Apostle, where each of its adherents has boundaries in carrying out life to survive in the world and the hereafter, while liberalism comes as an ideology that emphasizes the rights and freedom of every individual in all aspects of life including religion. This journal aims to present knowledge about"the"impact"of the ideology of liberalism"on"the"thought"of"the"Islamic Ummah. This study involved related literature analysis of academic sources, including theoretical works and thoughts of scholars andIslamicthinkers."The"conclusion"that"can"be"drawn"from"this"study"isthat"the"understanding"of"liberalism is still widely adopted by the Islamic Ummah even though the ideology of liberalism is very"contrary"to"the"teachings"of"Islam", this"is"due"to"the"weak religious education in every individual of the Islamic Ummah itself which then considers that Islamic rules curb human freedom.  

Muhammad Yudha Ardiansyah; Muhamad Zen; Fatmawati Fatmawati

Jurnal Ekonomi dan Keuangan 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Pegadaian Syariah plays an important role in strengthening the people's economy through the provision of financial services in accordance with Sharia principles. This study aims to analyze the pricing and distribution strategies of Pegadaian Syariah products and their impact on the economic growth of the community. The research method uses a qualitative approach based on literature studies and secondary data analysis. The results of the study show that Pegadaian's Sharia pricing strategy pays attention to the principles of justice and affordability, while product distribution is carried out through service digitalization, expansion of branch office networks, and strategic partnerships. The use of these two strategies has proven effective in increasing the accessibility of Pegadaian Syariah services, accelerating financial inclusion, and encouraging the growth and empowerment of micro, small, and medium economies based on Sharia.  

Andreas Doweng Bolo; Oscar Yasunari; Topik Mulyana; Sophan Ajie

Jurnal Pengabdian Masyarakat Waradin 2025 Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia Semarang

Religious moderation has become a serious concern for the government as it strives to maintain interfaith harmony in Indonesia. In 2019, the Ministry of Religious Affairs of the Republic of Indonesia published a book entitled Moderasi Beragama (Religious Moderation). In this publication, it is explained that the term “moderation” is derived from the Latin word denoting “balance” or “moderation” and from the Arabic term wasath or wasathiyah, which signifies centrality, fairness, and equilibrium. To achieve this ideal, it is necessary to design and expand interfaith meeting spaces – especially those aimed at young people (Generation Z) from diverse religious and belief backgrounds. The Cinunuk area is part of the pastoral care of the Santa Odilia-Cicadas Parish in Bandung and is home to approximately 350 Catholic households living in close proximity to their Muslim neighbors. On several occasions, the Catholic community in Cinunuk has organized joint community initiatives, such as free medical services and the distribution of essential food supplies. Furthermore, the Catholic community has previously engaged in interfaith activities with the Gusdurian group and has maintained positive relations with both the Attamur and Azzakiyyah Islamic boarding schools in the Cileunyi sub-district. To further strengthen intercommunal interactions and foster a dynamic dialogue between the Catholic community in Cinunuk and their Muslim counterparts in the region, a collaborative activity has been designed to reinforce the moderate stance that has been consistently practiced.

Syarifa Khaerunnisa; Amiruddin Amiruddin; Mukhtar Lutfi

Jurnal Ekonomi dan Keuangan Islam 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Sharia cooperatives are Sharia-based economic institutions that play a strategic role in empowering the economy of the Muslim community. By adhering to principles such as the prohibition of riba (usury), gharar (uncertainty), and maysir (gambling), as well as implementing profit-sharing systems (mudharabah or musharakah), Sharia cooperatives provide a fair, transparent, and inclusive alternative to support economic activities in society. These cooperatives aim not only to achieve financial gains but also to fulfill social missions, such as poverty alleviation, equitable welfare distribution, and holistic improvement of the community’s quality of life. Various products and services offered—such as Sharia savings, halal financing, and Sharia-compliant investments—provide financial solutions that align with Islamic values and meet societal needs. Nevertheless, the implementation of Sharia cooperatives faces several challenges, including limited public understanding, competition with conventional financial institutions, and constraints in human resources and capital. Through public education, capacity building for cooperative managers, and comprehensive government policy support, Sharia cooperatives hold great potential to become a key instrument in fostering a more just, equitable, and sustainable economy. This study emphasizes the importance of integrating Sharia values into cooperative management to ensure its contribution to the sustained welfare of the community.

Kamila Maraya Harish; Cupian Cupian

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze the impact of the Muslim boycott call after the issuance of Fatwa MUI No. 83 on the stock returns of Israel-affiliated companies listed on the Indonesia Stock Exchange. The stocks selected for the study include UNVR, FAST, MAPI, MAPA, MAPB, and PZZA. The results of this study indicate that there is no significant difference in the stock returns of companies affiliated with Israel after the issuance of Fatwa MUI No. 83 on November 8, 2023. This finding indicates a delay in the market response to public information related to the boycott call, which is characteristic of markets with lower efficiency levels. This research is expected to provide insights for the public and investors regarding the dynamics of the capital market in Indonesia in responding to a social event. In addition, the results of this study can also be taken into consideration for market authorities and related institutions in evaluating policies aimed at improving capital market efficiency in Indonesia.

Nayla Zafira Indra; Hasbi Ash-Shadiqin; Intan Cahya Iskandar; Eza Fira Dahrani; Satrio Syahbana +1 more

Student Scientific Creativity Journal 2024 Pusat Riset dan Inovasi Nasional

The Hajj and Umrah are spiritual rituals that have a special place in Islam, with essential differences in terms of the time of implementation. Hajj, as one of the pillars of Islam, is obligatory for every Muslim who is physically and financially able to perform it at least once in a lifetime. Umrah, although sunnah, also has great virtue in getting closer to Allah SWT. This study aims to analyze both forms of worship from the perspective of history, fiqh (Islamic law), and their social and spiritual influences on Muslim individuals and communities, providing a comprehensive understanding of the procedures, laws, and wisdom of implementing the Hajj and Umrah, as well as to examine the impact of implementing the Hajj and Umrah in everyday life, both from the perspective of individual spirituality and from the social side of Muslims. The method used in this study is qualitative research with a descriptive analysis approach. Data obtained from reference books, academic journals, and articles. The analysis was carried out with a descriptive and araitis approach explaining the theological perspective of Islamic law and the social and spiritual impacts of worship. The results of this study indicate that Hajj and Umrah have a significant impact on building deep spiritual awareness among Muslims. Ritually, the procedures for carrying out these two worships illustrate the values of monotheism, equality, and sacrifice. From an Islamic legal perspective, the difference between the obligation of Hajj and the sunnah of Umrah provides flexibility for Muslims to get closer to Allah SWT whenever they are able. From a social perspective, the implementation of this worship is a means of strengthening the unity of Muslims from all over the world.

Martina Rosmaulina Marbun; Sergius Lay; Antonius P Sipahutar; Megawati Naibaho

Jurnal Pengabdian Sosial dan Kemanusiaan 2024 Lembaga Pengembangan Kinerja Dosen

The university community has three pillars in carrying out its duties and functions, namely the Tri Dharma of Higher Education. The three pillars are Teaching, Research, and Community Service. In this case, the service carried out is the development of faith for the people at Stasi Santo Thomas Onodohalawa. The development of the faith of the people is an act of love that aims to develop the faith of the people. The faithful of Stasi St. Thomas Onodohalawa are among the people who are willing to follow faith formation for the growth of faith that is useful for arranging a better life as Christians. The openness and enthusiasm of the people is an opportunity for STP Dian Mandala Lecturers to realize their identity as educators on campus and at the same time as solid teachers of the Catholic faith. The methods used for this community service are Liturgical Celebrations, sharing, and catechesis. This is the starting point of the need for faith development of the people at St. Thomas Onodohalawa. Based on these needs, the lecturers work together to divide the team in carrying out the coaching activities. The lecturers also involve students as a form of cadre for prospective young catechists. The preparation of the material was carried out by the team by studying together and exploring various reading sources that support the theme of community development. The purpose of this service is to help the growth of the faith of the people at the station. Thus, they are able to live in society as good and virtuous citizens in accordance with the true teachings of the Catholic faith.

Setiyanto Priyonggo; Lucky Nugroho; Zulfahmi Zulfahmi

Jurnal Ekonomi dan Keuangan 2023 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The aim of this research is to determine the current level of unemployment and poverty in Indonesia and the public policies that can be implemented as a solution to these problems. The method used is descriptive qualitative research which aims to provide an overview or explanation related to the problem formulation. The results of this research are (i) The Indonesian government can implement public policies that support the utilization of the potential of the agricultural sector and existing agricultural land to improve community welfare, create jobs and reduce unemployment rates as was implemented during the time of the Caliph Umat bin Abdul Aziz. (ii) The Indonesian government can implement public policies based on the principles of good zakat and tax governance that were implemented during the time of Caliph Umar bin Abdul Aziz. The implications of this research provide information regarding the comparison of unemployment rates and poverty rates in Indonesia with other countries in the world and also during the time of Caliph Umar bin Abdul Aziz. Therefore, the latest in this research is related to the relevance of public policy during the government of Caliph Umar bin Abdul Aziz in order to reduce unemployment and alleviate poverty with the current public policy of the Indonesian government.

Raihan Eky Wahyudi; Qois Abdul Hadi; Aqilla Muhammad Ramadhan; Fauzi Ichsan Nurfadhli; Yayat Suharyat

Journal of Creative Student Research 2023 Pusat Riset dan Inovasi Nasional

To maintain its status as an NGO-based social institution (non-governmental organization), quality management means that it is an important element of serving donors in general and mustahik in Empowered Village, especially as a result of which the process of collecting and disseminating synchronously using donor desires becomes effective. The management of Productive Zakat is carried out by the management and staff of the Indonesian Zakat house amil zakat institution. This research was conducted to thoroughly examine how Rumah Zakat Indonesia implements productive zakat management using the aim of improving the welfare of residents.  Management of services in terms of collection, collection of donor data, collection of mustahik data, and increasing the standard of amyl to the point of distribution of zakat money in sync with institutional events.  This study uses narrative qualitative methodology, using the author's primary research sense, meaning observation and interviews. As per the findings of the author's research,.  

Vizi Azlina; Dedi Masri; Muhammad Alfiansyah; Vallenda Nadila

Inspirasi Dunia: Jurnal Riset Pendidikan dan Bahasa 2023 Universitas Maritim AMNI Semarang

Penelitian ini bertujuan untuk menganalisis takwil ayat mutasyabihat dalam Al-Qur'an Surah An-Nisa Ayat 2 dengan Surah An-Nisa Ayat 6 yang berkaitan dengan pembagian harta anak yatim. Ayat-ayat ini menyoroti pentingnya keadilan dalam membagi harta anak yatim dan memberikan pedoman bagi umat Islam dalam melakukan pembagian yang adil. Dalam masyarakat Muslim, perhatian terhadap anak yatim adalah salah satu prinsip utama dalam ajaran agama. Islam menggarisbawahi perlunya perlindungan dan keadilan terhadap anak yatim, termasuk dalam hal pembagian harta mereka. Surah An-Nisa Ayat 2 dan Ayat 6 dalam Al-Qur'an memberikan arahan kepada umat Islam mengenai bagaimana harus memperlakukan harta anak yatim dan mewariskannya secara adil. Metode penelitian yang digunakan dalam penelitian ini adalah metode kualitatif dengan pendekatan tafsir al-Qur'an. Data yang digunakan adalah ayat-ayat mutasyabihat yang terdapat dalam Surah An-Nisa Ayat 2 dan Ayat 6. Untuk menganalisis dan mendapatkan pemahaman yang mendalam tentang makna ayat-ayat tersebut, berbagai tafsir dari para ulama terkemuka dikaji dan dibandingkan. Hasil penelitian menunjukkan bahwa takwil ayat mutasyabihat dalam Surah An-Nisa Ayat 2 dan Ayat 6 adalah bahwa pembagian harta anak yatim harus dilakukan dengan adil, menjaga hak-hak anak yatim, dan menghindari penyalahgunaan kekuasaan. Ayat-ayat tersebut memberikan pedoman yang jelas bagi umat Islam dalam melakukan pembagian harta anak yatim, dengan memastikan bahwa mereka mendapatkan bagian yang adil dan tidak terjadi penyalahgunaan harta oleh pihak yang bertanggung jawab atas pengelolaan harta tersebut. Keadilan dalam pembagian harta anak yatim merupakan aspek penting dalam agama Islam. Hal ini sesuai dengan prinsip-prinsip Islam yang mendorong umat Muslim untuk bersikap adil dan berbuat baik terhadap anak yatim. Pembagian harta yang adil akan memberikan kepastian dan keamanan bagi anak yatim, serta memperkuat rasa keadilan dan persaudaraan dalam masyarakat Muslim. Penelitian ini memberikan kontribusi penting dalam pemahaman terhadap takwil ayat mutasyabihat dalam Surah An-Nisa Ayat 2 dan Ayat 6, khususnya dalam konteks pembagian harta anak yatim. Implikasi dari penelitian ini adalah pentingnya menerapkan prinsip-prinsip keadilan dalam praktik pembagian harta anak yatim, serta memberikan perlindungan dan perhatian yang layak terhadap mereka.

Esa Cahaya Purnomo; Devi Virgiana Hermansyah; Insania Putri Amanda; Mutiara Madina Nur Aina; Yayat Suharyat

Student Scientific Creativity Journal 2023 Pusat Riset dan Inovasi Nasional

The purpose of this study is to explore the opinions of classical and contemporary scholars about Makassid Sharia theory and to demonstrate the implementation in Islamic economics and Islamic psychology. Data sources for this study are books on Makassid's Sharia theory, Islamic economics and Islamic psychology written by classical and contemporary scholars. Data collection was conducted by careful reference surveys related to Makassid's Sharia theory and its practice in Islamic economics and Islamic psychology. The data analysis techniques used are descriptive and qualitative. The impact of this research makes the control of the Islamic economic system better. In this study, the application of Makassid Sharia in Islamic economics is found next in its five main purposes. Another purpose of this study is to determine the planning, organizing, implementing, and controlling community empowerment programs in Indonesia. Thus, the result to be achieved is to obtain a complete picture and explanation of how the governance of collecting and utilizing alms properly for the development of productive businesses.   Keywords: : Implementation, Economy, Growth, People

Nigina Galuh Saputri; Ida PW

Journal of Student Research 2023 Pusat Riset dan Inovasi Nasional

Infak merupakan pemberian atau sumbangan berupa harta yang dimiliki selain dari zakat untuk kebaikan. Agama Islam juga menganjurkan ke setiap umat muslim untuk berinfak, karena Islam mempunyai tujuan tersendiri seperti pemerataan kesejahteraan hidup dalam bermasyarakat dapat terwujud, sehingga tidak adanya penumpukkan harta dalam satu tempat. Kotak Infak Nahdlatul Ulama (Koin NU) merupakan program MWCNU Karangmoncol, Purbalingga yang dilakukan oleh seluruh masyarakat nahdliyin dengan memanfaatkan para jaringan struktural yang tersedia, dana koin NU digunakan  untuk membangun klinik kesehatan supaya bermanfaat untuk membangun sumber ekonomi organisasi dan kemaslahatan umat. Tujuan dari penelitian ini yaitu untuk mengetahui efektivitas pengelolaan koin NU untuk pembangunan klinik kesehatan di Kecamatan Karangmoncol, Purbalingga. Penelitian ini merupakan penelitian lapangan pendekatan kualitatif yang mana teknik pengumpulan datanya melalui wawancara dan dokumentasi. Sedangkan teknik analisis data yang digunakan yaitu menggunakan reduksi data, penyajian data dan penarikan kesimpulan. Penelitian ini menunjukan bahwa hasil dari pengelolaan koin NU untuk pembangunan klinik kesehatan di Kecamatan Karangmoncol, Purbalingga masih belum efektif. Hal tersebut dapat dilihat dari enam kriteria efektivitas yang digunakan oleh penulis dalam penelitian ini yaitu indikator kriteria ketepatan dan objektivitas, akuntabilitas sudah efektif, sedangkan kriteria kegunaan, ruang lingkup, efektivitas biaya, dan ketepatan waktu masih belum efektif.

Tri Winarsih

Populer: Jurnal Penelitian Mahasiswa 2023 Universitas Maritim AMNI Semarang

Fintech syariah mulai tumbuh dan berkembang di Indonesia. Perkembangan yang cukup dratis dikalangan umat islam menaruh kepercayaan besar berinvestasi syariah ditambah dukungan generasi milenia dan generasi Z yang lebih berminat atas sistem yang serba cepat dan sistematis ditengah industri pendanaan resakdana dinilai semakin tertekan. Awal mula berdirinya fintech syariah merupakan respon dari berkembangnya perusahaan fintech konvensional yang mengenakan bunga ditiap operasi kegiatannya. Fintech syariah yang tidak mengandung unsur: Riba (Bunga), Gharar (Ketidakjelasan), Maysir (Judi), Tadlis (Penipuan), Dharar (Bahaya), Zulm (Ketidakadilan), dan Haram serta sistem akad syariah terkait hukum kontrak online dimana memberlakukan asas-asas hukum kontrak syariah berdasarkan hukum islam menjadi fenomena baru di tengah perkembangan bisnis keuangan syariah. Tujuan penelitian yaitu memberikan gambaran literasi tentang pemahaman fintech syariah terkait teori, dasar hukum fintech syariah, manfaat, resiko, sistem akad fintech syariah dan perkembangan fintech syariah yang sedang berkembang di Indonesia. Pengunaan metode kualitatif deskriptif berupa pengamatan perilaku dengan studi literatur dari buku teks, artikel media massa dan literatur online dipakai sebagai teknik pengumpulan data. Hasil penelitian ini adalah semua transaksi fintech syariah memegang teguh prinsip syariah, dimana sistem akad dianggap sah apabila sejalan dengan hukum syariah ditengah perkembangan fintech syariah yang mulai diminati semua kalangan pembisnis syariah.