Journal of Sharia Economics

Competitiveness In Entrepreneurs Refilling Mineral Water and Pulse Agent Payment Point Online Bank (PPOB)

Nia kurniah — 2023-06-06

The development of the visionary world of business in Indonesia is expanding. This can be seen from the emergence of many entrepreneurs, both in traditional and online stores. Clothing, food and other necessities for daily life are among the items available. In the world of entrepreneurship, competition or competitiveness cannot be avoided. Entrepreneurs are forced to compete to create something that can increase the added value of their products as a result of free trade. Claimed item benefits can strengthen the strength of other competitor items. An entrepreneur will always find new ways to improve and maintain the quality of his products in order to create new products

Analysis factors Reason The low Micro , Small and Medium Enterprises Loans at Bank Financial Institutions in Indonesia

Yuni Rinawati — 2023-06-06

Permasalahan utama yang dihadapi oleh UMKM di Indonesia adalah terkait permodalan. Di mana, berdasarkan data akses kredit UMKM di Lembaga keuangan bank masih rendah. Sehingga tujuan dari penelitian ini ialah melihat bagaimana dukungan pemerintah terhadap permodalan UMKM serta faktor-faktor penyebab rendahnya kredit UMKM pada Lembaga Keuangan Bank Indonesia. Jenis penelitian ini berupa kepustakaan (library research). Hasil penelitian menunjukkan bahwa pada dasarnya terdapat beberapa peraturan yang dibuat pemerintah untuk mendukung berkembangnya UMKM yang dihadapkan dengan permaslahan modal di antaranya yaitu Undang-Undang No.20 Tahun 2008, peraturan Bank Indonesia No.14/26/PBI/2012 terkait Kegiatan Usaha dan Jaringan Kantor Berdasarkan Modal dan Inti Bank, Peraturan Bank Indoneisa No.17/12/PBI/2015 di mana bank wajib memberikan kredit atau pembiayaan kepada UMKM tentang Perubahan Atas Peraturan Bank Indonesia No.14/22/PBI/2015 Tentang Pemberian Kredit atau pembiayaan oleh Bank Umum dan Bantuan Teknis Dalam Rangka Pengembangan UMKM. Sedangkan faktor-faktor yang menjadi penyebab rendah kredit UMKM di Lembaga keungan bank dari sisi perbankan dan dari sisi UMKM. Dari sisi bank yaitu bank lebih senang menyalurkan dana besar kepada pengusaha yang bankable daripada melanyalurkan kepada para ribuan para pelaku UMKM yang unbankable. Sedangkan dari sisi UMKM terdiri dari tidak adanya pembukuan laporan keuangan yang dihasilkan oleh UMKM sebagai syarat kredit di perbankan, tidak mampu menyediakan angunan, prosedur maupun dikumen administratif sukit dan berbelit -belit, suku bunga dinilai tinggi.

The Influence of Islamic Branding, Halal Awareness, and Product Ingredients on Purchasing Decisions of Cosmetic and Skincare Products

Ary Dean Amri — 2023-06-09

This study aims to identify the influence of Islamic branding, halal awareness, and product ingredients on the intention to buy cosmetic and skincare products among Muslim women of generation Z in Jambi Province. The use of cosmetic and skincare products that comply with Islamic principles is increasingly important for Muslim women who want to ensure that the products they use are halal and in accordance with their religious beliefs. Therefore, factors such as Islamic branding, halal awareness, and product ingredients are important considerations in their purchasing decisions. This study used a survey method by distributing questionnaires to a sample of generation Z Muslim women in Jambi Province. The data collected was analyzed using multiple linear regression methods to examine the relationship between Islamic branding, halal awareness, and product ingredients on buying interest in cosmetic and skincare products. In addition, factor analysis was also carried out to identify the factors that most influence purchasing decisions.This research makes an important contribution in understanding the factors that influence purchasing decisions for cosmetic and skincare products among Muslim women of generation Z. The results of this research can be a reference for cosmetic and skincare companies in developing more effective marketing strategies that take into account religious values and the needs of Muslim consumers. In addition, this research can also be a basis for further research in a broader context.

Sharia Leasing Transaction System in the Financial Industry

Fahmi Alif Aldianto — 2023-06-09

The sharia leasing system applies to all financing carried out and innovated according to sharia principles dan in line with concepts in sharia principles. In addition, this system still has weaknesses: high capital investment does not prevent those who carry out these activities from breaking their promises. Therefore, regulations are needed that regulate more precisely to minimize this. This study uses a critical analytical review method based on a literature review using data from journals, books and information from the internet. The results of the analysis show that contract-based financing companies that finance the company's operations are in accordance with sharia principles. Sharia leasing can apply the principles of efficiency, innovation, and compliance with sharia norms.

Effective learning during industry internship creates pathways to better corporate career for students of professional course a study of internship learning that contributes to enhancement of human capital in Indian context

Priyanita Bose — 2023-06-05

Corporate career requires competence, compatibility and adaptability apart from specific skills and values. The career becomes formidable and effective with a prior learning and experience through a similar corporate context prior to the entry to destination career. This is done through internship learning in business and corporate context in any country. Internship learning, thus enhances the quality and content of Human Capital in an individual professional. Finally contributing to the direct & indirect economic gain in a corporate organization and thereby the nation. Internship provides practical experience which enriches the knowledge and competence of the person. It provides hands on learning. Internship provides career related experience in his/her academic career both at undergraduate and postgraduate level. MBA students can do Internship can be done in any area. This study is on learning during internship and how effective it is for creating a corporate career in Indian context. Through the Internship process students develop good degree of knowledge of the corporate. One of the important things in the internship process is that students can get original information about the work and culture of the organization also how they operate in the market. In this entire practical learning process positive attitude is very important things to carry out entire work properly. Positive Attitude refers to affirmation towards any work with a view to undertake the work and taking it forward towards completion, based on the declared objective of the work. Through the internship learning students can learn hands on experiences, build their network with industry, can sharpen their professional capabilities and can learn the key areas that need to learn in the internship. Interns are destined to work with their values and ethics.

Economic Emergence Depends upon Positive Health Condition of Masses: A Study with Special Reference to the Effects of Wrong use of Drugs on Human Health that Impacts Economic Output

Sreemoyee Ghosh — 2023-06-05

ealth improvement is indeed a significant social priority because good human capital condition improves the abilities, efficiency, and quality of life of a workforce. Thus, it is important to understand the factors pertaining to the Economic output of an individual in a group context. Illness, whether it is physical or mental, can have a negative impact on the economic output of an individual in an organization. Positive mental and physical health makes a person productive, whereas negative mental health makes a person unproductive even if the person is physically healthy. The Micro and Macro environment of the workplace also play a pivotal role in the productive output of an individual. Hence, we need to get a delighted mind in a favorable workplace with a healthy and composed physical entity in order to contribute to the domain of work towards the accomplishment of the objective of the work. The effects of illness and disease burden lead to loss of productivity, social isolation or exclusion and a negative socio-economic spiral for the individual as well as for the collective. Medicines play a crucial role in the healthcare industry as they are the compounds which are having direct or indirect impact on human health. However, wrong use or abuse of medicines in any way proves detrimental to the mental and physical health of the person. So, it is also essential to understand the relation of use of medicine for disease control and productivity. This will lead to right and rational use of medicine which in turn will help the domain of economy on a positive scale. On the other hand, for getting a delighted mind at the workplace, an individual must be freed from the lower order emotions and egoistic identities which lead to disvalues. Rather, a person, who can maintain a life with higher consciousness through a sustained effort of union with the supreme, can be elevated to a state of mind which is desireless and that desireless action can lead to optimum productivity.

Mental Illness Causing Devalued Economic Output in any Given Context in the World: Exploring the Remedies

Tanima Chatterjee — 2023-06-05

Economic output is a combination of the means of activities and the human intervention towards effective utilization of the means of the work. Human interventions are not merely random. It has a strong basis of individual and collective mental conditions depending on the different psychophysical and psycho-spiritual level. Mental illness has a direct impact on the motivation for thoughts and works. Usually ill mind lacks in the illumination of the cosmic goodness and thus becomes a prey to various factors of retardation in the field of work and thought. The present study identifies the relation between physical or intellectual output of an individual contributing to the economic development and sustainability, assesses on an important scale the psychophysical and psycho-spiritual context of individual, impacting economic activities and identifies the remedies to overcome mental illness to enhance individual output in order to get a better economic development and sustainable conditions. Findings suggests human dimensions including physical, intellectual and behavioral intervention are having direct relationship with economic growth in both micro and macro level. Individual’s position in psychophysical and psycho-spiritual model is being assessed through Maslow’s need hierarchy model and model of five different sheaths (Pancha Kosha) of consciousness and it has been observed that the economic output has direct relation with the position of individual in different levels of Maslow’s need hierarchy model and transcendental impact of Pancha Kosha on individual potential leading towards better output of an individual and therefore enhancing economic activity in the macro level. This study has also suggested certain remedies to enhance individual output through enhancing human potential in order to impact economic growth and sustainability in a positive manner.

Appropriate Professional Education Helps In Making Better Human Capital In An Aspirant Of A good Career

Arpita Ghosal — 2023-06-05

Professional education has twin focus: On one hand it aims at creating a good basis of earning livelihood to the level of happiness of the person and on the other hand, it attempts to contribute directly or indirectly to the economic well-being Es of the nations. Whereas, there are plethora of professional courses of study, only a few are there which can fulfil the short term objective of the person and finally contributes to the effective making of an enduring and ever growing worth of the human capital in the person. Management education in the right forum thus enables the person to develop that effective and enduring career. It is in the backdrop study of management from right place creates a sustainable and valued career. This study is aiming to explore that how professional courses help an individual to attain a successful career. Every individual has their own economical and social responsibilities towards their society and country. Proper selection of career is one of the most important decisions in individual’s life. Now-a-days professional courses are playing an important role to make corporate employees. Many professional courses are now available in education world. So the selection of a professional course is very important. An individual must select the professional course on the basis of the area of interest, scope in the particular sector, eligibility of the individual. Through a professional course an individual gets professional orientation and professional orientation of career enables a young aspirant develop a better footing in life and activities. It also enhances the speed and volume of growth of corporate in terms of socio economic context. In this study we are going to explore from every aspect that how professionalism in career and work effectively induces the spirit of internationalism in given context.

Comparison Analysis of Non Performing Loans and Performing Financing ( Case Study of BRI and Bank Muamalat )

Ary Dean Amri — 2023-06-19

The global financial crisis that occurred several years ago has had a significant impact on the banking sector worldwide. One indicator that is often used to measure the financial health of a bank is the level of Non-Performing Loans (NPL) and Non-Performing Financing (NPF). NPL refers to credit that is not paid by the borrower within a certain period of time, while NPF refers to non-current financing in the context of Islamic banking. The purpose of this research is to analyze the comparison of NPL and NPF at Bank Muamalat and Bank BRI. The method used in this study is a quantitative approach by collecting secondary data from the annual financial statements of the banks concerned. The data collected includes NPL and NPF levels during the study period. The results of the analysis show that there are significant differences in the levels of NPL and NPF between Bank Muamalat and Bank BRI. Bank Muamalat has higher NPL and NPF levels compared to Bank BRI. Factors that can affect the NPL and NPF levels between the two banks include credit policies, borrower profiles, and recovery measures taken by the banks.

Implementation of Islamic Business Ethics in Increase welfare Trader Post Pandemic ( Study The case on UMKM Lamongan )

Miftahal Anjarsabda Wira Buana — 2023-06-19

In economy Islamic , business And ethics No must looked at as two opposites , cause business which is symbol from affairs mundane is also considered as integral part of things that are investment afterlife . That is , if orientation business And effort investment hereafter ( intended as worship And is totality obedience to God ), then business with itself must in line with based on moral principles faith to afterlife . Even in Islam , understanding that business Alone No restricted affairs world , however covers all activity We in world that is " businessed " ( intended as worship ) for reach profit or reward afterlife .This research is a field research that uses a quantitative approach, namely analyzing data in the form of numbers. The data used in this research is primary data. Primary data is data directly obtained from the first data source at the research location.The process begins with theory, then by using deductive logic a research hypothesis is derived accompanied by measurement and operationalization of the concept, then empirical generalizations that rely on statistics so that it can be concluded as research findings. The research was conducted in the District Lamongan and research conducted from July to August 20 22 . The population is all the characteristics that are the object of research, where these characteristics are related to all groups of people, events or objects that are the center of attention for researchers. The population in the study were 54 entrepreneurial actors.Based on the results of the study, it was found that there was an influence of Islamic business ethics on business profits. Every Muslim trader must carry out his economic activities based on sharia, namely the rules or regulations that Allah commands His servants. The economic activity is interpreted as an activity that does not commit deception, there is justice between the seller and the buyer, there is generosity, has good motivation in running his business and all of that is only to carry out the commands of Allah SWT.By looking at the research results and several expert opinions, that basically business ethics highlights the moral behavior of humans who have a profession in the business field and are owned globally by business actors in general, while the embodiment of business ethics that exists in each business actor is formed and manifested according to the culture in question. This business ethics will emerge when each business actor relates and interacts with one another as a stakeholder . The purpose of business ethics here is to arouse the moral awareness of business people to run a business properly and cleanly. Based on the purpose of business ethics, business

Application Segmentation , Targeting and Positioning in the UMKM Marketing Strategy in Indonesia

Galih Fahmi Fadhillah — 2023-06-25

The increasing number of Micro, Small and Medium Enterprises (UMKM) in Indonesia has prompted attention to effective marketing strategies to help UMKM achieve success in the increasingly fierce business competition. Segmentation, targeting and positioning (STP) are important concepts in a marketing strategy that can help UMKM identify and reach target markets more effectively. This study aims to analyze the application of STP in the marketing strategy of UMKM in Indonesia. The research method used is descriptive analysis by collecting data through literature studies and interviews with MSME owners and experienced marketing practitioners. The results of the study show that through segmentation, UMKM can provide products or services that are more relevant and better meet the needs of the target market. Targeting helps UMKM to optimize the use of their resources by focusing on segments that have the potential to generate higher sales and profits. Then positioning helps UMKM differentiate themselves and build a strong image, thus creating a competitive advantage in an increasingly fierce market competition. However, there are still several challenges faced by UMKM in implementing STP effectively, including limited resources, limited understanding of the concept, and the need to continuously monitor and adapt their marketing strategies according to market changes.

Risk Analysis Of The Use Of Transactions Digital Cryptocurrency As Investment In Prespective Islam On Gen Z In Central Sumatra

Ary Dean Amri — 2023-06-25

This study aims to understand the views of Generation Z regarding risk of trust and security of the digital capital market on the island of Sumatra, as well see investment market capital IDX in perspective economy Islam. Method the research used is quantitative research using data primary from completed questionnaire tested for validity and reliability, as well data secondary from various related print and electronic media. Data analysis was performed with simple regression test and multiple regression test using SPSS. Results testing shows that the factor of safety (X2), which involves a factor social, culture, marketing, And election investment sharia, more dominant compared to factor trust (X1), like factor personal, psychology, And economic factor. However, neither trust (X1) nor security (X2) have positive and significant influence on the risk of stock (Y) Generation Z on the Island Sumatra. In order to increase the understanding and prudence of Generation Z in investing digitally, it is important for them to understand the legal aspects and logical (2L) as well as aspect returns (yield results) And risk (risk) (2R) before use application investment. With notice management risk, Generation Z can choose good investments and fulfill financial obligations period front they. Study This give outlook about perception Generation Z towards digital capital markets and deep Islamic economic perspectives investment IDX capital market in Sumatra island.

Analysis of Assistance Strategy for Halal Product Process (PPH) Self Declare Line in Micro and Small Enterprises (UMK) in Jambi Province (Case Study of Halal Product Process Companion (PPH))

Rahma Nurdinia — 2023-06-25

This study aims to determine strategies that can be applied in Halal Product Process Assistance (PPH) in the Self Declare in UMK line in Jambi Province. The research method used is qualitative descriptive research with data collection procedures through observation, interviews, and documentation and using SWOT Matrix as an analysis technique. The results showed the Halal Product Process Assistance Strategy (PPH) by knowing and comparing strengths, weaknesses, opportunities and threats that four created PPH Companion strategies in Halal Product Process Assistance (PPH) in the Self declare for UMK in Jambi Province, namely: (1) SO Strategy (Strenghts-Opportunities) PPH carries out its role actively and maintains good and informative services to UMK in the implementation of Process Assistance Halal Products (PPH), (2) WO (Weakness-Opportunities) Strategy Optimizing the role of PPH companions by strengthening knowledge and abilities regarding Halal Certification in the self-declare path as well as motivation and encouragement by LP3H, (3) ST Strategy (Strenght-Threat) BPJPH, Jambi Province Satgas Halal, and LP3H as well as PPH companions provide information to the public about the defense of halal certification obligations in 2024 and accommodate all related institutions and (4) the WT (Weakness-Threat) Strategy by strengthening the quality of PPH Companions in carrying out their roles by providing supporting facilities in the implementation of Halal Product Process Assistance (PPH) from BPJPH, Satgas Halal, LP3H.

Keywords: Strategy, Halal Product Process Assistance (PPH), PPH Companion, Self Declare.

Lack Of Sharia Financial Literacy as A Factor Causing Less Attention to Sharia Factoring In Indonesia

Rini Fitriani — 2023-06-29

Many Islamic financial institutions offer various Sharia-compliant financial products, including Islamic factoring. Islamic factoring is regulated by the National Sharia Board Fatwa (DSN) Number 67/DSN-MUI/III/2008. Islamic factoring is the process of transferring short-term receivables of a company in accordance with Sharia principles. It is one of the financing options for companies that use installment or deferred payments to boost sales. However, implementing sales with installment or deferred payments can pose problems if not done through a legal third party. This third party can be an Islamic factoring company or an Islamic financial institution that offers Islamic factoring products. Despite the presence of many companies in Indonesia, both listed on the Indonesia Stock Exchange and unlisted, whether state-owned or private, the growth of Islamic factoring in Indonesia has not kept pace with overall growth. Therefore, this research aims to explore the factors that contribute to the lack of interest in Islamic factoring in Indonesia. The research method employed is a literature study using written data from journal articles, books, and reliable documents such as the Financial Services Authority website. Data analysis is conducted using a descriptive approach. The research findings indicate that one of the factors causing the lack of interest in Islamic factoring is the low level of financial literacy in Sharia among the public.

Aggregate Consumption Expenditure Function In Islamic Perspective

Imam Wahyudhi — 2023-06-29

Without consumption, humans will not be able to live because humans have primary needs that must be met, such as eating, drinking, and clothing. These needs are needs that must be met by humans. This research is based on literature study, exploration based on theoretical findings. the explanation of the discussion will refer to theories that are able to answer the topic of writing. references used recent published articles and supporting reference books.. The function of aggregate spending in an Islamic perspective is the belief in the existence of the Day of Judgment and the hereafter, this principle directs consumers to prefer consumption in the hereafter. Prioritizing consumption in worship rather than secular consumption. Expenditure for worship is future consumption (because in the hereafter is the reward of heaven), while worldly consumption is current consumption. The concept of the success of a Muslim's life is measured by Islamic religious morals, not by the amount of wealth. The higher the spirit, the greater the success achieved. Virtue, truth and devotion to God are the keys to Islamic morality. Virtue and righteousness can be attained by good and useful conduct and by shunning evil. A position of wealth is a gift from God, not something inherently bad (so too much is to be avoided). Wealth is a means to the end of life, if it is cultivated and used properly.

“Gerobak Online”: A Model of Community Economic Empowerment During the Covid 19 Pandemic Based on a Mosque via the Zakat Collection Unit of the Al Fatah Mosque in Pacul Village, Bojonegoro Regency

Eko Arief Cahyono — 2023-06-30

Zakat Collection Unit (UPZ) Masjid is one of the institutions assisting Baznas in optimizing zakat administration and distributing zakat to mustahiq in line with zakat beneficiaries' asnaf. In accordance with the applicable legislation, UPZ mosques are granted the authority and responsibility as a unit or extension of the district Baznas in helping the administration of zakat, infaq, and alms, as well as their usage to promote the welfare of the people, particularly the congregation. mosque from underprivileged households. This research employs a qualitative methodology, which provides a thorough, precise, and in-depth account of events, people's actions, or locations. This study employs a qualitative methodology to provide a comprehensive explanation of Online Cart: A Model for Developing the Economic Potential of the People in a Pandemic Period Based on the Zakat Collection Unit (UPZ) at the Al Fatah Mosque in Pacul Village, Bojonegoro Regency. Researchers employed ethnographic approaches to determine the economic issues facing the community, particularly those experienced by the mosque congregation. This research was undertaken at the Al Fatah Mosque in Pacul Village, Bojonegoro District, since its administration is deemed competent of handling zakat and bolstering the mosque congregation's finances.. This study demonstrates the effectiveness of zakat management in empowering and enhancing the economy of mosque congregations through the Zakat Collecting Unit (UPZ) in the Online Cart program, as proven by the operation of mustahiq small enterprises owned by empowered individuals. Where about five individuals are empowered in this program and have their own superior items. In this initiative, UPZ Masjid Al Fatah Pacul receives help and supervision in the form of training in digital marketing, packaging, and production of new goods, as well as partnering with Baznas Bojonegoro and the Bojonegoro Department of Industry and Manpower to build mustahiq capabilities.

Post-Pandemic Economic Recovery of Village Communities in SME Sectors through Night Markets

Anang R. Jatmiko — 2023-06-30

This study aims to investigate the effects of village community's economic recovery on SME sectors in the post-pandemic era in Gudo District, Jombang Regency. A qualitative research was descriptively employed as the methodology approach. The investigation period began between February and April of 2022. The subjects were night market vendors who sold products on the street. By the snowball sampling method, the subjects were randomly selected. In this investigation, the data analysis techniques consisted of three steps: data reduction, data display, and conclusion drawing. The study found that the effects of the economic recovery of village communities on the SME sectors in the post-pandemic era in the Gudo district have a positive results by reducing or providing a solution to the number of unemployed and generating economic income for the Original Local Government Revenue. The negative effects included the addition of refuse and security measures, as well as unequal the Original Local Government Revenue income and expenditures for night market facilities.

Review of Contemporary Economic Jurisprudence Against Cooperation Agriculture : Study Cooperation Farming in Lumbush Bapereng Tanah Datar District

Rahmawita . — 2023-07-18

This study aims to examine the contemporary economic jurisprudence review of agricultural cooperation carried out by farmers in Jorong Lumburan Bapereng . As the focus of this research, several research questions were formulated: how is the implementation and forms of agricultural cooperation in Jorong Lumburan Bapereng . After the data is found, it is then discussed using the relevant theory . This research uses a qualitative method with a qualitative descriptive design. Data obtained through interviews with owner land And cultivator . Study This find that implementation cooperation agriculture with method deliver fully to cultivator until harvest . Form of cooperation with system profit sharing, while the seeds, fertilizers and other costs are borne by the farmers . From sight jurisprudence economy implementation And form of cooperation this is similar to mukhabarah . It's just that from an implementation point of view there are things that have the potential to cause unilateral losses , because the land owner fully surrenders to the farmer cultivating the land until harvest

Management Of Zakat Collection In The Bojonegoro Amil Zakat Agency

Kartika Yustina Mandala Putri — 2023-07-25

The problem of poverty is currently still a classic problem in this country which still cannot be resolved. Poverty is increasingly coming to the fore, especially in various regions in Indonesia as a result of the economic downturn. Thus, of course, a precise and accurate formulation is needed to minimize the poverty rate. In this case, one of the social agendas that Islam actually strives for is the realization of the economic balance of society. Zakat is one of the instruments to make it happen. The research that the researchers did was included in descriptive research with a qualitative approach. The results of the study show that target planning is carried out every month by employees and volunteers of the amil zakat agency. the organization of BAZNAS for Bojonegoro Regency only has a few employees and in the field of collection only has a deputy who is assisted by a deputy in other fields such as a deputy in the financial sector. Implementation of picking up the ball to muzaki, transferring, promoting and establishing good relations with muzaki. Secret supervision by the chairman, if they are directly supervised they will feel supervised and valued, and also if they are not supervised they will feel they are working alone. That's why surveillance was carried out but secretly.

Digital Banking Policies and Regulations For Sharia Banking in Indonesia

Siti Anifah — 2023-08-18

In accordance with current developments in information technology, the services offered by banks are growing and leading to digital services. The demand for digitization of banking operations is also driven by changes in business life which are now dominated by the millennial generation who prefer the convenience of online transactions through digital platforms. The digital banking transformation process is also accelerated by the emergence of new competitors, such as non-bank financial service providers, often called fintech. The purpose of this research is to find out the regulation of digital banking law in Indonesia and the urgency of digital banking regulations for Islamic banking in Indonesia. The method used is descriptive qualitative with a library research approach to track event log data, which is then used by the author to collect data including sources from previous studies. The results and conclusions of this study are that digital banking provisions have been regulated in the Financial Services Authority Regulation No.12/POJK.03/2018 concerning the Implementation of Digital Banking Services by Commercial Banks. The urgency of establishing digital banking regulations for Islamic banking in Indonesia is the rampant mode of digital crime (Cyber crime) which can disrupt the convenience and security of customer data. This is because there are no regulations that strictly regulate such as laws to specifically regulate Islamic digital banking. Digital banking law is only regulated in OJK Regulations, so it has not been able to overcome problems, especially in the implementation of digital banking for Islamic banking given the weak binding force of these Regulations.