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Role Regulation In Guard Stability Financial System In Indonesia: A Study Of The Authorities Service Finance (Ojk) And Challenge Digital Financial Sector Rico Nur Ilham; Irada Sinta; Frengki Putra Ramansyah; Mita Darmayanti; Nurul Hidayati
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 3 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20553220

Abstract

Regulation in the financial industry plays a crucial role in maintaining financial system stability, protecting consumers, and ensuring the continued and transparent operation of financial institutions. This study aims to examine the role and effectiveness of regulation in the Indonesian financial industry, with a particular focus on the role of the Financial Services Authority (OJK) in overseeing and developing the financial sector, including the digital financial sector. Through an in-depth literature review, this study seeks to provide insight into how implemented regulations can support financial sector growth while addressing challenges arising from the development of financial technology. The findings of this study are expected to provide more effective policy recommendations to support sustainable financial system stability.
Draft And Implementation Time Value of Money in Financial Decision Making Rico Nur Ilham; Irada Sinta; Frengki Putra Ramansyah; Abdul Rahma; Rachmat Al Fadjri
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 2 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20559302

Abstract

Time Value of Money (TVM) is a fundamental concept in financial science which explains that the value of money today is more valuable than the value of the same money in the future. front. Difference mark the influenced by factor time, level ethnic group flower, risk, and inflation. This study aims to examine the concept and application of Time Value of Money in financial decision making through a literature review approach. The method used in this study is a literature study by reviewing various scientific sources in the form of financial textbooks and national and international journals that are relevant to Time Value topic of Money . The data that obtained analyzed in descriptive and This study aims to identify the main concepts, influencing factors, and implications of the application of Time Value of Money in investment, financing, and financial planning decisions. The results of the study indicate that understanding the concept of Time Value of Money plays a significant role in improving the quality of financial decision-making. The application of the time value of money allows individuals and organizations to evaluate decision alternatives rationally, objectively, and with a long-term orientation. Furthermore, the literature also confirms that low financial literacy can be an obstacle to the optimal application of this concept. The conclusion of this study confirms that Time Value of Money is not only theoretical but also has significant practical implications. in support taking decision finance Which effective And Therefore, improving understanding of the concept of Time Value of Money is important for individuals, practitioners, and educational institutions.
Comparative Study of Cryptocurrency Digital Investment Based on Currency Laws and Global Economic Regulations: A Case Study of the Big Four ASEAN Countries Rico Nur Ilham; Irada Sinta; Fuadi; Arliansyah; Frengki Putra Ramansyah
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 6 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20552796

Abstract

e development of cryptocurrency as a digital investment instrument has become a global phenomenon, but its implementation is heavily influenced by domestic regulations and global economic dynamics. This study aims to analyze the influence of clarity in the Currency Law and global economic regulations on cryptocurrency investment, as well as the role of investor confidence as a mediator, through a comparative study of four key ASEAN countries: Indonesia, the Philippines, Singapore, and Thailand. The research method used combines a quantitative approach through analysis of investment and regulatory data, and a qualitative approach through interviews and case studies with investors. The results show that clarity of the Currency Law has a significant influence on investment in Singapore and Indonesia, while global economic regulations are more dominant in the Philippines. Investor confidence has been shown to play a significant role as a mediator, particularly in Singapore and Thailand, in strengthening the relationship between regulation and investment decisions. This research confirms that synergy between domestic and global regulations, as well as investor confidence, is a key factor in maximizing cryptocurrency market growth in ASEAN. These findings provide implications for policymakers to clarify regulations and adopt international standards, and for investors to more comprehensively assess investment risks and opportunities.
Basics Financial Management Rico Nur Ilham; Irada Sinta; Frengki Putra Ramansyah; M. Faddel; Nuriana
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 4 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20559165

Abstract

Financial management is a managerial function that plays an important role in maintaining sustainability. And increase mark company. Article This aim For study basics management finance as well as his role in taking decision managerial. The discussion focused on draft, function, objective, principle, as well as decision main management finance which includes investment, funding, and dividend decisions. The research method used is the analytical approach. qualitative with studies library through review book text And literature scientific relevant information. The study results show that the implementation of effective and efficient financial management can optimize the use of funds, minimize financial risks, and support the achievement of company goals sustainably. A sound understanding of the fundamentals of financial management provides a crucial foundation for managers in formulating rational and strategic financial policies.
POLICY MONETARY IN INDONESIA Rico Nur Ilham; Irada Sinta; Frengki Putra Ramansyah; Edi Riansyah; Hendri Sose Fauzi
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 4 (2026): MARCH
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20568375

Abstract

Monetary policy is one of the main macroeconomic policy instruments implemented by the central bank to maintain economic stability. In Indonesia, monetary policy is implemented by Bank Indonesia with the primary goal of achieving and maintaining the stability of the rupiah's value. This stability includes price stability, reflected in controlled inflation rates and the stability of the rupiah's exchange rate against foreign currencies. This article aims to analyze draft, objective, instrument, And challenge policymonetary in Indonesia. Method The method used in this study is a descriptive qualitative approach through a literature study sourced from books, laws and regulations, and official publications of Bank Indonesia. The results of the study indicate that Bank Indonesia implements monetary policy using several main instruments, including open market operations, policy interest rates, minimum reserve requirements, and discount facilities. These instruments are used in an integrated manner to control amount Moneycirculating, influence ethnic group flower market, as well as guard stability financial system. However, the implementation of monetary policy in Indonesia faces various challenges, such as global economic uncertainty, external inflationary pressures, the digitalization of the financial sector, and the need for coordination with fiscal policy. Therefore, an adaptive, credible, and data-driven monetary policy is crucial to supporting sustainable economic growth and national economic stability.
OPTIMIZING CAPITAL MANAGEMENT STRATEGIES TO INCREASE COMPANY COMPETITIVENESS IN THE GLOBAL MARKET Rico Nur Ilham; Irada Sinta; Frengki Putra Ramansyah; Putri Miranda Sembiring; Dilla Ramadani
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 3 (2026): FEBRUARY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20568204

Abstract

This study explores the role of capital management strategies in enhancing the competitiveness of companies in the global marketplace. In a rapidly evolving and increasingly interconnected global economy, businesses face significant challenges in maintaining financial stability and gaining a competitive edge. Capital management, which encompasses strategies related to working capital management, risk mitigation, investment decisions, and financial structuring, is essential for sustaining long-term growth and operational efficiency. The research employs a mixed-methods approach, combining qualitative data from semi-structured interviews with key financial decision- makers and quantitative data from a survey of 200 business professionals. The findings reveal that companies that optimize their working capital, actively manage risks through hedging and diversification, strategically invest in emerging markets, and maintain a balanced financial structure are more likely to perform better and sustain a competitive advantage in global markets. The analysis indicates that shorter cash conversion cycles, the use of risk management tools, investment in high-growth regions, and maintaining an optimal capital structure all positively correlate with improved financial performance and market share. This study provides a comprehensive framework for companies to enhance their capital management practices and improve their competitiveness on the global stage. By focusing on strategic capital allocation and efficient resource utilization, businesses can navigate the challenges of globalization, maximize profitability, and secure long-term success in an increasingly competitive environment.
MANAGEMENT OF COMMERCIAL BANKS AND INDONESIAN SHARIA BANKING Rico Nur Ilham; Irada Sinta; Frengki Putra Ramansyah; Tahara Alsura; Taufik Hidayat
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 2 (2026): JANUARY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20559542

Abstract

Commercial bank management in Indonesia is the process of managing banking activities, including planning, organizing, implementing, and supervising bank resources effectively and efficiently, while adhering to prudential principles and applicable regulations. The goal of commercial bank management is to manage all bank operational activities effectively and efficiently. Islamic banking, on the other hand, is a banking system that conducts its business activities based on Islamic sharia principles, as stipulated in Law of the Republic of Indonesia Number 21 of 2008 concerning Islamic Banking. These sharia principles prohibit usury, gharar, maysir, and business activities that conflict with Islamic values. Islamic bank management aims to carry out all operational and strategic processes of the bank while remaining based on Islamic sharia principles, rather than merely seeking financial gain. This study uses a qualitative research method with a literature study approach. ( library research ) . The data collection technique in this study was carried out through documentation studies, namely by collecting, reading, and recording relevant information related to the management of commercial banks and Islamic banking in Indonesia. Overall, the differences in the management of commercial banks and Islamic banks are seen in the profit system, supervision, management orientation, risk management, and managerial objectives. Commercial banks emphasize financial profitability and compliance with conventional regulations, while Islamic banks emphasize sharia compliance, fairness, and socio-economic values. So that Islamic bank management can be said to be more holistic and ethical, while remaining competitive in the national banking system.