Crowdfunding plays a role in the Indonesian economy in its development. Sharia crowdfunding has b... more Crowdfunding plays a role in the Indonesian economy in its development. Sharia crowdfunding has become a solution to provide financial services that are accessible to businesses that lack access to banking, especially in Indonesia. Using a literature review, this study aims to describe crowdfunding and show how sharia crowdfunding is developing in Indonesia. The results of the study show that crowdfunding has continued to develop in Indonesia since it was first popular in 2009. Sharia crowdfunding has the potential to benefit the business world in accessing capital, increasing welfare, and general economic growth. Another finding is that the implementation of sharia crowdfunding is divided into four categories; donation-based, reward-based, asset-based and equity-based crowdfunding. Where there are differences between conventional crowdfunding and sharia crowdfunding from the four categories. In addition, sharia crowdfunding is also faced with several future issues that must be face...
Islam adalah agama yang sempurna, yang mengajarkan berserah diri dan menyerukan untuk bertaqwa... more Islam adalah agama yang sempurna, yang mengajarkan berserah diri dan menyerukan untuk bertaqwalah kepada Allah namun Islam juga mengajarkan agar hendaklah setiap diri memperhatikan apa yang telah diperbuat untuk hari esok karena Sesunguhnya Allah Maha mengetahui apa yang mahluknya kerjakan”. Asuransi adalah salah satu upaya untuk melindungi hari esok, yang dalam bahasa Arab, Asuransi disebut AttaÂ’min ( التأمین ) yang berasal dari kata ( أمن ) yang memiliki arti memberi perlindungan, ketenangan, rasa aman dan bebas dari rasa takut mlalui kerja sama dan tolong menolong.
Reslaj : Religion Education Social Laa Roiba Journal
Due to their unique risk profile, Islamic banks face challenges in risk management. This study ai... more Due to their unique risk profile, Islamic banks face challenges in risk management. This study aims to review the risks faced by Islamic banks. This study explores risk practices through selected literature and describes the risks faced by Islamic banks. The results show that there are several risks faced by Islamic banks including: credit risk, liquidity risk, operational risk, legal risk, withdrawal risk, benchmark risk and fiduciary risk. Another finding is that Islamic banking is riskier than conventional banks due to its uniqueness in providing financing. In addition, this is also due to an immature money market, limited availability of lender of last resort facilities from the central bank, and a lack of market infrastructure. 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. Keywords: Islamic Banking, Management, Risk
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 2022
The development of Islamic non-bank financial institutions in Indonesia encourages the developm... more The development of Islamic non-bank financial institutions in Indonesia encourages the development of research on issues that develop in Islamic NBFIs. The literature study used to explore and describe the literature to answer research questions. By using the keyword "Islamic non-bank financial institutions" in the Publish or Perish program to help search the literature, found 30 articles with a search year spanning 2015-2021. The research data were analyzed in terms of content to group the data on certain themes. The research findings classify general issues related to Islamic NBFIs which consist of: Management, Understanding and introduction, Akad, Functions and Roles, Law, Principles, Norms, Accounting for Islamic NBFIs, Financial Performance, Financing and Operational Analysis, Opportunities and Challenges of Islamic NBFIs and Resources Humans in sharia NBFIs. Another important finding is that there are publications related to each type of Islamic non-bank financial ...
Crowdfunding plays a role in the Indonesian economy in its development. Sharia crowdfunding has b... more Crowdfunding plays a role in the Indonesian economy in its development. Sharia crowdfunding has become a solution to provide financial services that are accessible to businesses that lack access to banking, especially in Indonesia. Using a literature review, this study aims to describe crowdfunding and show how sharia crowdfunding is developing in Indonesia. The results of the study show that crowdfunding has continued to develop in Indonesia since it was first popular in 2009. Sharia crowdfunding has the potential to benefit the business world in accessing capital, increasing welfare, and general economic growth. Another finding is that the implementation of sharia crowdfunding is divided into four categories; donation-based, reward-based, asset-based and equity-based crowdfunding. Where there are differences between conventional crowdfunding and sharia crowdfunding from the four categories. In addition, sharia crowdfunding is also faced with several future issues that must be face...
Wakalah, Kafalah, Hawalah/Hiwalah sering kita dengar baik dalam ekonomi syariah maupun dalam lemb... more Wakalah, Kafalah, Hawalah/Hiwalah sering kita dengar baik dalam ekonomi syariah maupun dalam lembaga keuangan syariah. Hal tersebut dalam dunia perbankan terdapat dalam produk jasa. Pada umumnya masyarakat awam tidak begitu memahami apa yang dimaksud dengan makna kata tersebut. Negara Indonesia yang Dasar Negaranya adalah Ketuhanan Yang Maha Esa dan mayoritas warga negaranya adalah muslim sudah seharusnya sistem keuangan yang digunakan berlandaskan prinsip syariah. Namun, saat ini prinsip syariah belum begitu terealisasi penggunaannya. Wakalah berupa penyerahan atau pendelegasian dari satu pihak kepihak lain dan harus dilakukan dengan yang telah disepakati oleh si pemberi mandat. Kata Kafalah secara bahasa berarti dhammu (gabungan), sedangkan secara syara’ kafalah bermakna penggabungan tanggungan seorang kafil dengan tanggungan seorang ashil untuk memenuhi tuntutan dirinya, atau utang, atau barang, atau suatu pekerjaan. Sedangkan Hawalah/Hiwalah dapat digunakan untuk pemindahan u...
Crowdfunding plays a role in the Indonesian economy in its development. Sharia crowdfunding has b... more Crowdfunding plays a role in the Indonesian economy in its development. Sharia crowdfunding has become a solution to provide financial services that are accessible to businesses that lack access to banking, especially in Indonesia. Using a literature review, this study aims to describe crowdfunding and show how sharia crowdfunding is developing in Indonesia. The results of the study show that crowdfunding has continued to develop in Indonesia since it was first popular in 2009. Sharia crowdfunding has the potential to benefit the business world in accessing capital, increasing welfare, and general economic growth. Another finding is that the implementation of sharia crowdfunding is divided into four categories; donation-based, reward-based, asset-based and equity-based crowdfunding. Where there are differences between conventional crowdfunding and sharia crowdfunding from the four categories. In addition, sharia crowdfunding is also faced with several future issues that must be face...
Islam adalah agama yang sempurna, yang mengajarkan berserah diri dan menyerukan untuk bertaqwa... more Islam adalah agama yang sempurna, yang mengajarkan berserah diri dan menyerukan untuk bertaqwalah kepada Allah namun Islam juga mengajarkan agar hendaklah setiap diri memperhatikan apa yang telah diperbuat untuk hari esok karena Sesunguhnya Allah Maha mengetahui apa yang mahluknya kerjakan”. Asuransi adalah salah satu upaya untuk melindungi hari esok, yang dalam bahasa Arab, Asuransi disebut AttaÂ’min ( التأمین ) yang berasal dari kata ( أمن ) yang memiliki arti memberi perlindungan, ketenangan, rasa aman dan bebas dari rasa takut mlalui kerja sama dan tolong menolong.
Reslaj : Religion Education Social Laa Roiba Journal
Due to their unique risk profile, Islamic banks face challenges in risk management. This study ai... more Due to their unique risk profile, Islamic banks face challenges in risk management. This study aims to review the risks faced by Islamic banks. This study explores risk practices through selected literature and describes the risks faced by Islamic banks. The results show that there are several risks faced by Islamic banks including: credit risk, liquidity risk, operational risk, legal risk, withdrawal risk, benchmark risk and fiduciary risk. Another finding is that Islamic banking is riskier than conventional banks due to its uniqueness in providing financing. In addition, this is also due to an immature money market, limited availability of lender of last resort facilities from the central bank, and a lack of market infrastructure. 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. Keywords: Islamic Banking, Management, Risk
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 2022
The development of Islamic non-bank financial institutions in Indonesia encourages the developm... more The development of Islamic non-bank financial institutions in Indonesia encourages the development of research on issues that develop in Islamic NBFIs. The literature study used to explore and describe the literature to answer research questions. By using the keyword "Islamic non-bank financial institutions" in the Publish or Perish program to help search the literature, found 30 articles with a search year spanning 2015-2021. The research data were analyzed in terms of content to group the data on certain themes. The research findings classify general issues related to Islamic NBFIs which consist of: Management, Understanding and introduction, Akad, Functions and Roles, Law, Principles, Norms, Accounting for Islamic NBFIs, Financial Performance, Financing and Operational Analysis, Opportunities and Challenges of Islamic NBFIs and Resources Humans in sharia NBFIs. Another important finding is that there are publications related to each type of Islamic non-bank financial ...
Crowdfunding plays a role in the Indonesian economy in its development. Sharia crowdfunding has b... more Crowdfunding plays a role in the Indonesian economy in its development. Sharia crowdfunding has become a solution to provide financial services that are accessible to businesses that lack access to banking, especially in Indonesia. Using a literature review, this study aims to describe crowdfunding and show how sharia crowdfunding is developing in Indonesia. The results of the study show that crowdfunding has continued to develop in Indonesia since it was first popular in 2009. Sharia crowdfunding has the potential to benefit the business world in accessing capital, increasing welfare, and general economic growth. Another finding is that the implementation of sharia crowdfunding is divided into four categories; donation-based, reward-based, asset-based and equity-based crowdfunding. Where there are differences between conventional crowdfunding and sharia crowdfunding from the four categories. In addition, sharia crowdfunding is also faced with several future issues that must be face...
Wakalah, Kafalah, Hawalah/Hiwalah sering kita dengar baik dalam ekonomi syariah maupun dalam lemb... more Wakalah, Kafalah, Hawalah/Hiwalah sering kita dengar baik dalam ekonomi syariah maupun dalam lembaga keuangan syariah. Hal tersebut dalam dunia perbankan terdapat dalam produk jasa. Pada umumnya masyarakat awam tidak begitu memahami apa yang dimaksud dengan makna kata tersebut. Negara Indonesia yang Dasar Negaranya adalah Ketuhanan Yang Maha Esa dan mayoritas warga negaranya adalah muslim sudah seharusnya sistem keuangan yang digunakan berlandaskan prinsip syariah. Namun, saat ini prinsip syariah belum begitu terealisasi penggunaannya. Wakalah berupa penyerahan atau pendelegasian dari satu pihak kepihak lain dan harus dilakukan dengan yang telah disepakati oleh si pemberi mandat. Kata Kafalah secara bahasa berarti dhammu (gabungan), sedangkan secara syara’ kafalah bermakna penggabungan tanggungan seorang kafil dengan tanggungan seorang ashil untuk memenuhi tuntutan dirinya, atau utang, atau barang, atau suatu pekerjaan. Sedangkan Hawalah/Hiwalah dapat digunakan untuk pemindahan u...
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