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Waqf Blockchain in Indonesia Lu'liyatul Mutmainah; Nurwahidin; Nurul Huda
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol 14 No 1 (2021): Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47411/al-awqaf.v14i1.129

Abstract: The emergence of innovation in the world of digital finance in recent years has received attention from various parties commonly known as financial technology. This innovation is in the form of crowdfunding and blockchain platforms. These two innovations can not only be used for commercial, but also social purposes, including waqf. There is a huge potential of cash waqf in Indonesia. However, the realization is relatively still low. This study aims to analyze at a glance waqf blockchain in Indonesia that can optimize the realization of waqf development in Indonesia. Qualitative research methods is used in this paper through the study of literature. The results of the study show that Indonesia is very likely to implement waqf blockchain because the Muslim population reaching more than 80%, the flexible concept of waqf fiqh and the emergence of the halal industry. The most challenges faced are related to waqf literacy to increase public awareness. Investigating about perceived intention to use waqf blockchain through questionnaire and a deep interview with the stakeholders is important for the future research. Keywords: technology, blockchain, waqf.

Determinants of Return On Asset (ROA) at Sharia Commercial Banks 2016 – 2021 Muhammad Irwin Muslimin; Nurwahidin; Mulawarman Hannase
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.669

ROA is a ratio that serves to assess a company's ability to make a profit. The amount of ROA can be influenced by many things such as NPF, FDR, and CAR. This study aims to find the effect of NPF, FDR, and CAR on ROA at Islamic Commercial Banks (BUS) in 2016-2021. This research uses a two-stage analysis. The first stage will use multiple linear analysis with the Ordinary Least Square method to find the influence between variables, then the second stage will examine the ROA scheme in Islamic banking, and whether it is in accordance with Islamic principles. The results showed that NPF had a significant negative impact on ROA, FDR had an insignificant positive impact on ROA, and CAR had a significant positive impact on ROA. The results of the calculation of the coefficient of determination show that NPF, FDR, and CAR affect ROA by 78.78% while the rest is explained by other variables that are not taken into account in the study. In addition, the ROA business scheme is in accordance with existing Sharia aspects because nothing is violated in Sharia principles, and the existence of DPS is one of the factors the researchers believe that this business model is in accordance with Sharia values. This research is useful to determine the effect between ROA variables and to find out whether business schemes with ROA are in accordance with Sharia.

Determinants of Return On Asset (ROA) at Sharia Commercial Banks 2016 – 2021 Muhammad Irwin Muslimin; Nurwahidin; Mulawarman Hannase
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.669

ROA is a ratio that serves to assess a company's ability to make a profit. The amount of ROA can be influenced by many things such as NPF, FDR, and CAR. This study aims to find the effect of NPF, FDR, and CAR on ROA at Islamic Commercial Banks (BUS) in 2016-2021. This research uses a two-stage analysis. The first stage will use multiple linear analysis with the Ordinary Least Square method to find the influence between variables, then the second stage will examine the ROA scheme in Islamic banking, and whether it is in accordance with Islamic principles. The results showed that NPF had a significant negative impact on ROA, FDR had an insignificant positive impact on ROA, and CAR had a significant positive impact on ROA. The results of the calculation of the coefficient of determination show that NPF, FDR, and CAR affect ROA by 78.78% while the rest is explained by other variables that are not taken into account in the study. In addition, the ROA business scheme is in accordance with existing Sharia aspects because nothing is violated in Sharia principles, and the existence of DPS is one of the factors the researchers believe that this business model is in accordance with Sharia values. This research is useful to determine the effect between ROA variables and to find out whether business schemes with ROA are in accordance with Sharia.

The Influence of Advertising, Trust, and Word of Mouth on the Investment Decision of Government Sukuk Lis Febrina; Nurwahidin
Formosa Journal of Sustainable Research Vol. 3 No. 4 (2024): April, 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjsr.v3i4.8829

This study analyzes the effects of advertising, trust, and word of mouth on the investment decisions of Government Sukuk. The population in this study are Government Sukuk investors. Based on the Hair formula, 115 respondents made up the sample. The sample research approach combines a purposive sampling strategy with a non-probability sampling technique. A questionnaire research instrument is used in a survey as part of the data collection process. techniques for partial least squares data processing. This research demonstrates that advertising has a positive and significant effect on investment decisions, trust has a positive and significant effect on investment decisions, and word of mouth has a positive and significant effect on investment decisions

Contextualization of Ushul Fiqh in Muamalah and Modern Banking: Sharia Solutions in the Global Economic System Dimas Handoyo Putro; Nurwahidin; Mulawarman Hannase; Muhammad Cholil Nafis; Nur Fatwa; Mohammad Izdiyan Muttaqin
International Journal of Integrative Sciences Vol. 3 No. 11 (2024): November 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijis.v3i11.12424

This study examines the application of ushul fiqh, the foundational discipline of Islamic jurisprudence, in modern Islamic banking and its implications for the global economic system. Using a Systematic Literature Review (SLR) methodology, this research analyzes academic contributions from 2018 to 2024, focusing on the integration of Islamic principles into banking practices. The findings reveal that ushul fiqh significantly reduces financial instability through principles like the prohibition of riba (interest), reduction of gharar (uncertainty), and emphasis on maslahat (public welfare). These principles align economic transactions with ethical values, fostering inclusivity and sustainability. However, challenges such as regulatory standardization and integration into global markets persist. Despite these, the study identifies substantial growth opportunities for Islamic banking, especially with the rise of sharia-compliant Fintech solutions. This research highlights the potential of ushul fiqh as a transformative tool for promoting justice and resilience in global financial systems while meeting the ethical demands of modern economies

GREEN SUKUK DALAM PERSFEKTIF AL-QURAN (KAJIAN TAFSIR AL-MUNIR) Rio Chaniado Anggara; Nurwahidin; Mulawarman Hanase; Riza Shintia
AL-Ikhtiar : Jurnal Studi Islam Vol. 1 No. 4 (2024): Studi Islam
Publisher : 4

Show Abstract | Download Original | Original Source | Check in Google Scholar

Eksistensi ekonomi syariah beberapa tahun belakangan ini menunjukkan perkembangan yang signifikan, peluncuran lembaga keuangan syariah serta produk-produk keuangan syariah menjadi tolak ukur terhadap perkembangan ekonomi syariah di indonesia. Berbagai penggiat keuangan syariah mulai dari lembaga swasta maupun pemerintahan ikut andil dalam perkembangan keuangan syariah, salah satunya yaitu green sukuk. Green Sukuk merupakan surat berharga syariah negara yang diterbitkan menggunakan prinsip green economy demi kelestarian lingkungan. Produk yang menggunakan prinsip syariah dasar hukumnya berasal dari Al-quran dan hadist. Kajian dalam penelitian ini menguraikan tafsir yang berkaitan dengan ayat-ayat yang berhubungan dengan green sukuk. Tujuan penelitian ini untuk mengetahui bagaimana kajian ilmu tafsir pada produk green sukuk yang menjadi perhatian penting dalam lingkup perekonomian terkhusus bagi perkembangan keuangan syariah. Hasil penelitian menunjukkan bahwa berdasarkan uraian tafsir pada surah Al-A’raf ayat 58, Al-A’raf ayat 56, Ar-rum ayat 41 serta surah Al-Baqarah ayat 205 yang menunjukkan larangan terhadap perusakan lingkungan dan kesesuaian praktik green sukuk yang bertujuan kepada pemeliharaan lingkungan dan alam menjadikan produk green sukuk kombinasi yang efektif, bukan hanya halal tetapi juga thayyib. AbstractThe existence of sharia economy in recent years has shown significant development, the launch of sharia financial institutions and sharia financial products has become a benchmark for the development of sharia economy in Indonesia. Various sharia financial activists ranging from private and government institutions have taken part in the development of sharia finance, one of which is green sukuk. Green Sukuk is a state sharia security issued using the principle of green economy for environmental sustainability. Products that use sharia principles have legal basis from the Al-Quran and Hadith. The study in this research describes the interpretation related to the verses related to green sukuk. The purpose of this study is to find out how the study of interpretation on green sukuk products is an important concern in the scope of the economy, especially for the development of sharia finance. The results of the study show that based on the description of the interpretation of Surah Al-A'raf verse 58, Al-A'raf verse 56, Ar-rum verse 41 and Surah Al-Baqarah verse 205 which shows the prohibition of environmental destruction and the suitability of green sukuk practices aimed at maintaining the environment and nature makes green sukuk products an effective combination, not only halal but also thayyib.

Dynamics of the Development of the Middle Eastern Education System and Its Implementation in Indonesia Facing the Era of Society 5.0 Afifi Marzuki Muslim; Nurwahidin; Mulawarman Hannase; Amany Burhanuddin Umar Lubis
Jurnal Sosiologi Pendidikan Kolaboratif Vol. 1 No. 1 (2024): Jurnal Sosiologi Pendidikan Kolaboratif
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jspk.v1i1.727

Middle Eastern and Islamic civilizations are very complex civilizations, from the classical to the modern period. The dynamics of education in the portrait of Middle Eastern and Islamic civilizations are also very diverse. Its influence has had a tremendous impact on regional and even global civilizations. In the midst of the rapid and massive development of the world. Even though society has not finished adjusting to the Industrial Revolution 4.0, Japan introduced the idea of society 5.0. This is in accordance with the objectives of the SDGs which are being achieved in a global context including the field of education. However, Indonesia still has a lot of work to be done in the education system in Indonesia. So it is hoped that through this article researchers can see the relevance of the development of the world of education with the idea of society 5.0 in Indonesia along with its implementation.

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