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All Journal Millah: Journal of Religious Studies Review of Islamic Social Finance and Entrepreneurship
Telsy Fratama Dewi Samad
Institut Agama Islam Negeri Manado, Manado, Indonesia
Religion Economics, Econometrics & Finance Social Sciences

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Islamic Bank Customers’ Categorization of Cognitive Process Regarding Usury: A Case Study in Bank Syariah Indonesia Manado Telsy Fratama Dewi Samad; Ahmad Saifulloh
Millah: Journal of Religious Studies Vol. 21, No. 2, February 2022
Publisher : Program Studi Ilmu Agama Islam Program Magister, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/millah.vol21.iss2.art2

Abstract

Although previous studies on usury have been conducted, the focus on customers’ knowledge of usury was limited. This study aimed to analyze Islamic bank customers’ cognitive process regarding usury and to analyze the differences between Muslim and non-Muslim customers’ perspectives regarding usury practice in the bank. The study could be categorized as qualitative because it used qualitative data in the form of interview results. Furthermore, it used a case study approach with Bank Syariah Indonesia Manado as the location. Twenty customers of the bank, ten of them Muslims and ten other non-Muslims, were selected as participants using a convenience sampling method. They were interviewed using the Zoom application to collect data on their knowledge regarding usury and Islamic banks. Anderson and Krathwohl’s categories of the cognitive process were used to categorize participants’ responses. The results showed that all customers attained level 1 (remember) and level 2 (understand) usury and only four of them attained level 3 (apply) based on Anderson and Krathwohl’s categorization. It implied that only four of ten Muslim participants become customers of the Islamic bank because of their belief in the bank’s status as a usury-free financial institution. Other findings suggested that all customers were in the same opinion that money lending practiced by the loan sharks should be categorized as usury, while not all customers viewed money lending by the current banking industry as usury.
Women entrepreneurs in the era of metaverse: An Islamic economic perspective Telsy Fratama Dewi Samad; Nugraha Hasan
Review of Islamic Social Finance and Entrepreneurship Volume 1 Issue 2, 2022
Publisher : Center for Islamic Economics and Development Studies [P3EI]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/RISFE.vol1.iss2.art5

Abstract

Purpose – This study aims to reveal the phenomenon of women entrepreneurs in the era of the Metaverse and analyze the Islamic economic viewpoint on using the Metaverse for business purposes. Methodology – For the research procedure, this study uses a qualitative method with descriptive analyses and collects the sources of research using the library research technique. Findings – This paper's findings showed that a growing number of entrepreneurs are conducting business in the Metaverse world, including women entrepreneurs. It also can be seen that cryptocurrencies used as tools for business transactions in the Metaverse are not in accordance with Islamic principles. It can be concluded that it is better for Muslim entrepreneurs to always be on track with the Islamic way, particularly in running their businesses.Implications – The rising amount of women entrepreneurs in this generation has become remarkable, concurrent with the evolution of digitalization which eases the praxis of business to occur, particularly in the era of the Metaverse. Yet, it is also essential to analyze the usage of the business platform in the sphere of Metaverse from the perspective of Islamic economics for business activity, not to contradict the principles of Islam. Originality – This study is to complete the lack of previous studies explaining the phenomenon of women entrepreneurs in the recent era of the Metaverse and discuss the perspective of Islamic economics concerning business in the Metaverse sphere.
Co-Authors Ahmad Saifulloh Nugraha Hasan