Respons Perilaku Pasar Terhadap Teknologi Informasi di Indonesia dalam Tinjauan Ekonomi Islam

The market behavior response to the rapidly growing information technology in Indonesia is forcing the market to adapt quickly. In the digital era 4.0, there have been quite extreme changes in business models. Even the giant companies have gone out of business. In the perspective of Islamic economics this phenomenon continues to be studied. In one condition, business growth is growing very fast and on the other hand the fatwas of the ulama are often left behind. This qualitative research is presented with a phenomenological approach and sharia compliance. The data analyzed are secondary data related to the latest facts about the information technology market. The author uses the theory of market behavior change to strengthen this argument. In principle, Islam always gives appreciation to technological developments that aim to facilitate human work, as long as these facilities do not violate the forbidden boundaries. In the perspective of Islamic economics, the focus is on the business schemes that are run and the muamalah contracts that are used whether they meet the requirements and pillars or not. If the conditions and pillars are met then the business can be run. Simply put, please do business using advanced technology but still comply with sharia principles.

Mahalnya Pembiayaan di Bank Syariah

This study provides a comprehensive picture of the public's perception of the high cost of financing Islamic banks in Indonesia. The perception of "expensive" arises from various perspectives based on the limited knowledge of each customer. In this study, the authors present explanations sourced from Islamic banks and several observers of Islamic banks in Indonesia. Primary data was obtained by conducting in-depth interviews with several Islamic bank practitioners, observations, and documentation studies. The data analysis technique uses the theory of Miles and Huberman, starting from data classification, data reduction, and drawing conclusions. The results of the study found several arguments which then formed the public perception that financing in Islamic banks was considered expensive. The word "expensive" here of course must be understood by defining the correct, authentic meaning, not with a misleading logical approach.

Peramalan Bisnis Unit Usaha Syariah PT ABC dalam Tantangan Spin Off

Spin off is separation of the sharia unit into a new company independent from its conventional parent. Spin off is a strategic issue for sustainability and development of Islamic financial institutions including Sharia Insurance. Independence and focus on the spin off process are positive. However, the economies of scale for stability and sustainable growth become challenges. The problem observed in this study is the ability of the general insurance sharia business unit to fulfill the spin off obligation as mandated in the Insurance Act number 40 of 2014. This Act stated that at the latest in 2024 it has to be spinned off by submitting a business plan to OJK no later than 2020. This study use Time Box Box method-Jenkins (ARIMA). The results of this study are expected to be consideration factor and information for General Insurance Companies, especially PT ABC, in determining the spin off business plan using forecasting.

Penyelesaian Sengketa Bisnis Syariah: Penguatan Regulasi untuk Kepastian Hukum Surat Berharga Syariah Negara di Indonesia

This study aims to determine and analyze the balance of disputes over Sharia Securities (SBSN) as an effort to ensure legal and other regulations that provide opportunities for sharia economic development, especially SBSN. This study uses a normative juridical method with a qualitative approach. The results of the study show that the Supreme Court Regulation Number 14 of 2016 concerning Procedures for Settlement of Sharia Economic Cases and Supreme Court Regulation Number 2 of 2015 concerning Procedures for Simple Lawsuits strongly support the regulation of SBSN legal certainty in Indonesia. Apart from litigation, SBSN disputes can also be pursued through non-litigation channels according to Law Number 30 of 1999 concerning Arbitration and Alternative Dispute Resolution.