Chadijah Haris’s scientific contributions

The implementation of financial technology (fintech) at Bank Syariah Indonesia KCP Bitung has significantly impacted financial inclusion, particularly through the BSI Mobile application. This study examines how fintech has enhanced accessibility to Islamic financial services, especially for individuals previously underserved by conventional banking systems. The findings reveal that fintech has not only expedited financial transactions but also provided customers with easier access to a variety of financial features, thereby improving their financial management capabilities. Interviews with bank staff and customers indicated that fintech solutions like BSI Mobile offer convenience, efficiency, and flexibility in the digital era. However, the research also identifies challenges, including the need for adequate infrastructure, intensive education and socialization regarding fintech usage, and potential security risks in digital transactions. To address these challenges, it is crucial for Islamic banks to foster innovation and collaboration with fintech providers to offer more inclusive and affordable solutions, thus broadening the reach of Islamic financial services. The emphasis on ongoing innovation and collaboration is key to integrating technology with Islamic finance, creating a more inclusive, transparent, and sustainable financial ecosystem that supports equitable economic growth within society.

The determination of the age limit for marriage in the Marriage Law is controversial in Indonesian society. This paper aims to analyze the response of public acceptance of the new regulation on the age limit for marriage according to marriage law in Indonesia. The method used is a qualitative method with a grounded theory approach. The data were got through observation, interviews with informants, and documentation, which were analyzed through three stages: data reduction, data display, and conclusion. The results showed three forms of public acceptance of the new regulation on marriage’s age limit: dominant hegemony, negotiation, and oppositional reception. The diversity of public acceptance of the age limit for marriage according to the law is influenced by differences in the level of public education, community culture, and public understanding of the validity of the marriage. Developing a more intensive study by comparing various perspectives is necessary. Involvement of the public, government, and judicial institutions representing each region in Indonesia, including the islands of Java, Sulawesi, and Kalimantan, is very much needed in disseminating marriage law in Indonesia.

This study describes the effectiveness of credit risk management at Bank Muamalat. The research was conducted at Bank Muamalat Manado. Researchers used qualitative research methods with a descriptive approach. The primary data was collected using semi-structured interviews with Bank Muamalat Manado, and then a three-stage analysis was carried out, data reduction, presentation, and decision-making. Researchers found effectiveness in controlling credit risk at Bank Muamalat. This can be proven by the significant decrease in 2018-2019, namely from 226 to 117 total customers with problems. In addition, researchers also found that in 2020-2021, 198 to 184 total customers with problems. There are two ways of controlling credit risk applied by Bank Mualamat. First, the selection of four criteria, namely personality, psychology, capacity, capital, collateral, and situation. Second, so there are no troubled customers, the bank takes four stages: voluntary payments, AYDA, WO, and collateral auctions. Both of these methods are very important to reduce the occurrence of non-tearing financing. However, credit risk at Bank Muamalat can arise if the evaluation of potential clients and financing strategies from financial institutions are not strict.

Masyarakat saat ini sudah diberikan fasilitas dalam bertransaksi dengan adanya Perbankan Syariah yang operasionalnya sesuai dengan sistem hukum Islam yaitu menghimpun, menyimpan dan menyalurkan dana kepada masayarakat dalam bentuk pinjaman yang sesuai dengan prisip syariah. Yang membedakan antara bank syariah dan bank konvensional yaitu menerapkan prinsip tabarru’ dan tidak bertentangan dengan hukum Islam seperti maysir, riba dan gharar. Artikel ini bertujuan untuk mengetahui pengelolaan dana tabungan faedah di Bank BRIS/BSI apakah suduh sesuai dengan ketentuan akad wadi’ah adh dhamanah. Adapun penelitian ini menggunakan jenis penelitian field research dengan pendekatan yuridis normatif. Metode pengumpulan data ada dua yaitu sumber data primer dan sekunder. Hasil penelitian menunjukkan bahwa dalam pengelolaan tabungan faedah akad wadi’ah yad adh dhamanah menerapkan sistem bonus yang diberikan kepada nasabah bukan dalam bentuk bagi hasl bagi hasil. Sedangkan pelaksanaan akad dalam biaya administrasi per/bulan tidak di kena biaya. Jika saldo minimum Rp 50.000,- maka dikenakan biaya tarif normal sesuai kebijakan bank. Besaran bonus tersebut tidak ditentukan dari awal.

This article aims to describe the economic situation in the covid 19 pandemic era and analyze the function of zakat in restoring the society economy during the Covid-19 pandemic. The method used in this research was a literature study. The data collection techniques were carried out in two ways comprised primary and secondary data. The data analysis was content analysis. The results showed that zakat served as a manifestation of human solidarity, which means that the rich are required to spend some of their wealth in the form of zakat, and distribute it to the needy, in this context how to see zakat function as a way to help economic recovery during the pandemic. So it can be concluded that with the distribution of zakat, such as Zakat Fitrah, Zakat Maal and professional Zakat, it can strengthen the solidarity and foster the relationship between human by helping the needs of people affected by Covid-19 and reduce the poverty during the pandemic that currently affects all people in the world, especially in Indonesia.