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All Journal MUQTASID Ihtifaz: Journal of Islamic Economics, Finance, and Banking International Journal of Islamic Business and Economics (IJIBEC) Al-Azhar Islamic Law Review
Maulida, Sri
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Urgensi Prinsip Dalam Pengembangan Hukum di Bidang Mu’amalah, Ekonomi, Perbankan, dan Keuangan Syariah Maulida, Sri; al-Amruzi, M. Fahmi; Hasan, Ahmadi
Al-Azhar Islamic Law Review VOLUME 2 NOMOR 2, JULI 2020
Publisher : Sekolah Tinggi Agama Islam (STAI) Al-Azhar Gowa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37146/ailrev.v2i2.28

Abstract

Perkembangan industri keuangan, khususunya keuangan syariah secara informal telah dimulai sebelum dikeluarkannya kerangka hukum formal sebagai landasan operasional perbankan syariah di Indonesia. Dengan perkembangan tersebut produk keuangan syariah juga terus berkembang, namun terdapat beberapa kasus produk keuangan syariah tidak sesuai SOP dan peraturan fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI), sedangkan di Indonesia harus melalui persetujusn DSN MUI. Berdasarkan latar belakang diatas maka rumusan masalah dan dan tujuan penulisan terhadap ini adalah untuk membahas mengenai bagaiaman urgensi prinsip dalam mengembangkan ekonomi syariah. Dalam mengembangkan Hukum dalam keuangan syariah ada prinsip yang menjadi pedoman pengembangannya, yaitu prinsip dasar ekonomi Islam dan prinsip Derivatif. Prinsip dasar ekonomi Islam adalah Tauhid (keesaan Tuhan), ‘Adl (keadilan), Nubuwwah (kenabian), Khilafah (pemerintahan), dan Ma’ad (hasil). Sedangkan untuk prinsip Derivatif yaitu, Multitype Ownership (kepemilikan multijenis), Freedom to act (Kebebasan bertindak atau berusaha), dan Social Justice (Keadilan Sosial).
Debt-Based Versus Equity-Based Financing: A Comparative Analysis on Efficiency of Islamic Financial System Maikabara, Abdullateef Abdulqadir; Maulida, Sri; Aderemi, Abdulmajeed M
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 4, No 1 (2021)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v4i1.3171

Abstract

Introduction to The Problem: The financial system, as a subset of economics, plays a prominent role in solidifying the socio-economic development and wellbeing of people of a society. However, debt-based and equity-based financing are the main models employed by Islamic financial institutions to help small and medium enterprises (SMEs) that need funding to facilitate their businesses' projects. Operationally, debt-based financing seems to be the prominent financing model than equity-based financing, which only accounts for either zero or small scale in Islamic financial institutions.Objective Study: This study explores the rightful financing model that can contribute much better to the efficiency of the Islamic financial system in achieving socio-economic development.Methodology: To achieve the study's purpose, a literature-based method and secondary data collection technique are adopted as related previous studies from articles, books, conferences, and working papers are reviewed and analyzed.Findings: Equity-based model as a partnership model is somewhat more productive in contributing to socio-economic development than debt-based financing, but not being widely applied due to specific issues such as high risk, agency problem, costumer’s awareness, and sensitivity, and others more. It is recommended that researchers empirically investigate the suitable financing model between debt-based and equity-based financing models to ensure the achievement of sustainable socio-economic development.
The Effect Of Debt-Based Financing And Equity-Based Financing On Islamic Banks Profitability In Indonesia Wahyudi, Rofiul; Diniyya, Aulia Arifatu; Satyarini, Julia Noermawati Eka; Mutmainah, Lu’liyatul; Maulida, Sri
International Journal of Islamic Business and Economics (IJIBEC) Vol 4 No 2 (2020): IJIBEC VOL. 4 NO. 2 DECEMBER 2020
Publisher : Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v4i2.2771

Abstract

This study's main objective is to investigate equity-based financing and debt-based financing of the profitability of Islamic banking in Indonesia. This research is expected to contribute to the theoretical and practical dimensions. On the conceptual aspect, this study can provide evidence of whether equity-based financing and debt-based financing affect the profitability of Islamic banking. While on the practical dimension, Islamic banks in Indonesia can determine the extent of their profitability and, in turn, the competitiveness of Islamic banks to enable it to be developed in line or even better than conventional banks. The data analysis technique uses panel data regression, which is time series data and cross-section. Next, to estimate the panel data model, which is divided into three, namely: common effect, fixed effect, and random effect. The result of this study that partially equity-based financing does not affect ROE. At the same time, debt-based financing influences the ROE of Islamic banks. Partially equity-based financing and debt-based financing do not affect ROA of Islamic banks. However, it simultaneously shows that the independent variable test results, namely equity-based financing and debt-based financing, have a strong influence on the dependent variable, namely, profitability as measured by ROA and ROE.
Prospects and Challenges of Crowdfunding as an Alternative Funding Option in Nigeria Aderemi, Abdulmajeed M.R.; Maulida, Sri; Maikabara, Abdullateef Abdulqadir
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2021): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v12i1.17-31

Abstract

This study aims to review the concept, prospects, and challenges of crowdfunding in Nigeria. Furthermore, it adopts a library-based concept in which secondary sources are relied on data collection using descriptive and deductive approaches of analysis. The results showed that Nigeria has the potential of becoming the hub center of crowdfunding in Africa. However, various challenges are facing the growth of this platform as a means of financing. These include the issues of regulation, lack of adequate awareness, as well as fraud and corruption. Furthermore, this study recommends the need for adequate awareness about crowdfunding and the regulation to ensure its functionality. It also offers additional literature as a means of financing, especially from the Nigerian context.
Co-Authors Aderemi, Abdulmajeed M Aderemi, Abdulmajeed M.R. Ahmad Yunani Ahmadi Hasan al-Amruzi, M. Fahmi Diniyya, Aulia Arifatu Lu'liyatul Mutmainah Maikabara, Abdullateef Abdulqadir Muhammad Hanafiah Satyarini, Julia Noermawati Eka Sukarni Sukarni Umar, Masyitah Wahyudi, Rofiul