Devin Halim Wijaya

Master student in IIUM (Institute of islamic Banking and Finance) | Noor-Ummatic Scholarship Awardee
  • BusinessExport Financing Through Securities Crowdfunding

    Export Financing with Securities Crowdfunding 

    Export financing is a crucial element in supporting the economic growth of a country, especially in developing nations. Effective financing enables exporters to expand their markets and increase competitiveness on the international stage. However, access to financing often becomes a barrier for companies, especially for small and medium-sized enterprises (SMEs). This is where securities crowdfunding can be a viable alternative. …

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  • BusinessCompetitive Nature and Crowdfunding

    Competitive Nature and Crowdfunding 

    Crowdfunding has become one of the most popular methods for raising funds for various projects, from startups to social initiatives. In this context, competitiveness plays a crucial role in determining the success of a crowdfunding campaign. Competitiveness refers to the drive to be better and superior compared to other competitors. In the world of crowdfunding, this can mean having a…

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  • BusinessLeverage and Why Crowdfunding Can Deliver It

    Leverage and Why Crowdfunding Can Deliver It 

    In the world of finance, leverage and crowdfunding are two concepts that play an important role. Leverage refers to the use of borrowed funds to increase the potential return on an investment, while crowdfunding is a method of raising funds from a large number of people to finance a project or venture. This article aims to educate the general public…

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  • BusinessThe Value of Humility in Crowdfunding 

    The Value of Humility in Crowdfunding 

    Crowdfunding is a concept that has gained popularity in the digital era, allowing individuals or groups to raise funds from many people to support their projects or initiatives. Crowdfunding is not just about money; it is also about building a community, increasing visibility, and, most importantly, demonstrating the value of humility. This article will explore how crowdfunding reflects humility and…

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  • Islamic EconomicsThe Sharia Law of Collateral in Mudharabah

    The Sharia Law of Collateral in Mudharabah

    Mudharabah is a form of cooperation in Islamic economics that involves two parties: the capital owner (shahibul maal) and the business manager (mudharib). Under this contract, the capital owner provides the business manager with capital to run the business, and they agree to share the profits according to the agreed ratio. On the other hand, if there is a loss,…

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  • BusinessSilaturrahim and Crowdfunding: Combining Tradition with Technology

    Silaturrahim and Crowdfunding: Combining Tradition with Technology 

    Silaturrahim is an important tradition in our culture that emphasises the importance of maintaining good relationships with family, friends and the community. In today’s digital era, this concept can be applied in various aspects of life, including in crowdfunding activities. This article will discuss how silaturrahim and crowdfunding can work together, and provide a practical guide to utilising both for…

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  • BusinessSecurities Crowdfunding and its Effect on Strengthening the Muslim Communities 

    Securities Crowdfunding and its Effect on Strengthening the Muslim Communities 

    Securities crowdfunding is one of the financing methods that is growing rapidly in this digital era. It allows many people to invest in a project or business through an online platform. For the Muslim community, understanding and utilising securities crowdfunding can be an important step towards improving economic prosperity and independence.  What is Securities Crowdfunding? Securities crowdfunding is a way…

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  • Crowdfunding SyariahHow Crowdfunding Represents the Spirit of Gotong Royong 

    How Crowdfunding Represents the Spirit of Gotong Royong 

    Crowdfunding is a fundraising method that involves contributions from a large number of people, usually through online platforms, to support a specific project or cause. In Indonesian culture, the concept of gotong royong, or mutual cooperation, is highly respected and upheld. This article discusses how crowdfunding, in both social and financial contexts, represents the spirit of gotong royong in Indonesia. …

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  • BlogSukuk: A Solution for Companies from Debt

    Sukuk: A Solution for Companies from Debt

    In the business world, corporate debt often serves as a tool to finance expansion and operations. However, excessive debt can burden companies with heavy financial obligations and increase the risk of bankruptcy. Failure to manage debt effectively can lead to credit rating downgrades, increased borrowing costs, and even insolvency. Therefore, it is crucial for companies to find safer and more…

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  • BusinessThe Concept of Thoyyib Eating in Islam

    The Concept of Thoyyib Eating in Islam

    Food is a basic human need that serves as a source of energy and nutrition. In Islam, the concept of “thoyyib” food is highly emphasised. Thoyyib comes from Arabic which means clean, healthy, and good quality. Thoyyib food not only fulfils health standards but also conforms to religious and ethical teachings. Many texts in the Qur’an and Hadith emphasise the…

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