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All Journal DIKTUM: Jurnal Syariah dan Hukum Economica: Jurnal Ekonomi Islam Jurnal Kewirausahaan dan Bisnis JURNAL SYARIKAH : JURNAL EKONOMI ISLAM IJISH (International Journal of Islamic Studies and Humanities) Afiasi : Jurnal Kesehatan Masyarakat Revenue: Jurnal Manajemen Bisnis Islam Community Development Journal: Jurnal Pengabdian Masyarakat Journal of Digital Marketing and Halal Industry International Journal of Engagement and Empowerment (IJE2) Journal of Islamic Economic and Business Research AJAD : Jurnal Pengabdian kepada Masyarakat Share: Jurnal Ekonomi dan Keuangan Islam Jurnal Manajemen Perbankan Keuangan Nitro Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Mabsya: Jurnal Manajemen Bisnis Syariah Journal of Islamic Economics Lariba Jurnal Maps (Manajemen Perbankan Syariah) Bina Bangsa International Journal of Business and Management Al-Infaq : Jurnal Ekonomi Islam
Utami, pertiwi
Unknown Affiliation
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Nursing Public Health Social Sciences Other

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APAKAH MEMILIH SAHAM DAFTAR EFEK SYARIAH INDONESIA DENGAN ANALISIS TEKNIKAL AKAN MENGUNTUNGKAN? Basrowi, Basrowi; Fauzi, Fauzi; Utami, Pertiwi
Al-Infaq: Jurnal Ekonomi Islam Vol. 11 No. 1 (2020)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Tujuan penelitian adalah untuk mengetahui apakah saham daftar efek syariah Indonesia dengan menggunakan analisis teknikal akan memberikan keuntungan. Karena, kemungkinan besar bagi pemula akan kesulitan menggunakan analisis teknikal yang nampak seperti chart. Metode penelitian menggunakan studi literatur dengan pendekatan ekonomi syariah. Hasil studi menemukan bahwa ada strategi khusus yang digunakan untuk membaca pergerakan harga menggunakan analisis teknikal dan apabila tidak memahami dan memprediksi pergerakan harga dengan baik maka kerugian yang akan diperoleh. Analisis teknikal yang digunakan untuk mengetahui pergerakan harga dengan memberi sinyal waktu masuk dan keluar pasar saham pada emiten yang terdaftar di daftar efek syariah tidak banyak berbeda dengan umumnya yang digunakan pada pasar modal. Hanya saja larangan dan ketentuan baik produk, distribusi, dan operaionalnya yang harus sesuai dengan prinsip syariah dan teknik ini disarankan tidak digunakan untuk memperhitungkan keuntungan jangka panjang namun dalan jangka pendek dapat menghasilkanpengembalian yang positif pada investor.
INTEGRATING TNFD INTO GREEN FINANCE TO SUPPORT AN INCLUSIVE AND SUSTAINABLE ECONOMIC TRANSFORMATION IN SUMATRA Khulsum, Umi; Utami, Pertiwi; Risna, Meilia; Zuhriyah, Nur azizah; Muzammil, Rozina
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 1 No. 3 (2025): Vol. 1 No. 3 (2025): Special Volume for International Collaboration
Publisher : LP2M IBK Nitro

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Abstract

This study analyzes the potential implementation of the Taskforce on Nature-related Financial Disclosures (TNFD) to strengthen green finance and sustainable economic transformation in Sumatra. The research background includes the global economic crisis, post-pandemic recovery gaps, and the need for transparency in Green Finance. This study uses a qualitative approach and policy review based on secondary data from Bank Indonesia, Statistics Indonesia (BPS), the Ministry of Finance, the Financial Services Authority (OJK), and TNFD documents. The results show that the success of TNFD implementation in Sumatra is strongly influenced by the synergy of monetary, fiscal, and macroprudential policies as well as the readiness of financial institutions to adopt nature risk disclosure. Strategic sectors such as food, renewable energy, and downstreaming have significant potential to become models for TNFD implementation through digital reporting. This study recommends the development of a TNFD integration roadmap, strengthening of the national data center, and green finance incentives to attract green investment. These findings contribute to the green finance literature and provide policy implications for inclusive and sustainable economic growth in the region.
The Role of the Deposit Insurance Corporation in Driving Indonesian Banking toward TNFD Disclosure: Strategies and Policy Implications Utami, Pertiwi; Purnamasari, Sinta Ayu; Ramatullah, Risen anugrah; Zais, Ferliansyah
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 1 No. 3 (2025): Vol. 1 No. 3 (2025): Special Volume for International Collaboration
Publisher : LP2M IBK Nitro

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Abstract

This study aims to analyze the strategic role of the Deposit Insurance Corporation (LPS) in encouraging the adoption of the Taskforce on Nature-related Financial Disclosure (TNFD) framework by the Indonesian banking sector. Although TNFD has become the global standard for reporting nature risks, to date no national bank has officially joined this initiative. The study employed a systematic literature review approach, supported by bibliometric analysis using VOSviewer software, to identify trends, research gaps, and thematic linkages within global TNFD studies. The findings indicate that the main challenges to TNFD adoption in Indonesia include an unclear regulatory framework, limited environmental data infrastructure, low awareness and capacity of banking human resources, and a lack of institutional incentives. This study proposes five collaborative strategies that LPS can implement: the establishment of a national TNFD forum, a sustainability-based premium incentive scheme, data and technology collaboration, mentoring and certification programs, and innovation in nature-based risk assurance. This study contributes to academic discourse and public policy by introducing a new role model for LPS as a catalyst for sustainable finance transitions in developing countries.
Addressing Financial Distress in Halal MSMEs: Comparative Evidence from Indonesia and Malaysia Surya, Intan Febina; M. Djidin; Utami, Pertiwi
REVENUE: Jurnal Manajemen Bisnis Islam Vol. 6 No. 2 (2025)
Publisher : Sharia Business Management UIN Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/revenue.v6i2.30805

Abstract

This study investigates the challenges of access to financing, internal financial management, and operational issues affecting the financial difficulties of Halal-certified MSMEs in Indonesia. It also examines Malaysian policies as best practices to identify potential policy contributions in the future. The study uses a comparative qualitative approach through in-depth interviews with halal MSMEs, Islamic financial institutions, and policymakers in both countries, supported by an analysis of regulatory documents and the national halal industry development framework. The research results show that financial distress in Indonesia is influenced by the dominance of collateral-based financing schemes, policy fragmentation between halal certification and the Islamic financial system, and weak internal financial governance among business actors. Meanwhile, Malaysia demonstrates a more integrated halal industry ecosystem through a national masterplan and institutional coordination, although managerial capacity constraints remain among micro-enterprises. Theoretically, this research extends Financial Constraint Theory from a sharia economic perspective by emphasizing the importance of institutional integration and a maqashid-based financial architecture in mitigating financial vulnerability. Policy implications emphasize the need to integrate the halal certification system with sharia financing, strengthen profit-sharing-based instruments, and improve literacy and digitalization of halal MSME financial records. Keywords: Access to financing, financial distress, halal MSMEs, sharia economy
The Policy Role of Bank Syariah Indonesia for MSMEs Sector in Community Economic Empowerment Habibi, Ahmad; Utami, Pertiwi; Muzammil, Rozina; Nasor, Muhammad
Jurnal Kewirausahaan dan Bisnis Vol 28, No 1 (2023): June
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jkb.v28i1.67178

Abstract

The people's economy can be improved through the micro business sector. The issue of the role of Bank Syariah Indonesia (BSI) as a competent Islamic bank is a new hope for these business actors. Unfortunately, previous studies have not disclosed in depth the programs and policies of BSI after the merger. This study aims to determine the policy of Islamic banking toward the micro-business sector to empower the community's economy. The study was conducted on Bank Syariah Mandiri (BSM), which merged with two other large Islamic banks, Bank Rakyat Indonesia Syariah (BRI Syariah) and Bank Negara Indonesia Syariah (BNI Syariah), and became BSI. The research design used a qualitative approach with data collection techniques in interviews, observation, and documentation. BSI is a bank that collects and distributes funds to the public based on sharia principles. The findings show that BSI maintained its reputation as a competent Islamic bank in community empowerment efforts. This is evidenced by the inclusion of BSI in the Forbes list of The World's Best Banks 2021 because it has met the criteria for trust, terms and conditions, customer services, digital services, and financial advice. Although it has merged with two other Islamic banks, BSM continues to use the same system as before, except for some adjustments related to product policies regarding costs, benefits, and margin provisions by applicable regulations. Community empowerment through Micro Business products refers to Law Number 21 of 2008 concerning Islamic Banking. In its development, to support the community's economy, BSI carries out a sustainable finance agendavillage economic programs, food security, sociopreneur scholarships, and siding with MSMEs.Keywords: Bank Syariah Indonesia; policy; MSMEs
Co-Authors Abdullah, Iqbal Alan Abdullah, Putri Allana Adib Fachri ahmad habibi Ahmad, Roslizawati Anuar Sanusi Azizah Zuhriyah, Nur Basrowi Basrowi Basrowi, Basrowi Daryuni, Popi Dedi Satriawan Erike Anggraeni Fauzi Fauzi Fauzi Febriyanti, Delia Heri, Mad Ika Pratiwi Juhary Ali Khulsum, Umi M. Djidin M. Nasor, M. Mahendra, Yoga Mardhiyah Hayati Md. Yusoff, Mohd Sukor bin Md. Yusoff Monalysa, Lita Muhammad Nasor, Muhammad Mustaffa, Abaidullah Bin Muzammil, Rozina Nabela, Erick Omar, Ismail Bin Quraysin, Icin Ramatullah, Risen anugrah Rania Permata Rifayanto Risna, Meilia Rosmiati, Heni Ruslan Abdul Ghofur Salleh, Muhammad Syukri Septi Widiawati Sinta Ayu Purnamasari, Sinta Ayu Surya, Intan Febina Syamsul Arifin Tulus Suryanto ulfah, Mardia Uli Wildan Nuryanto Yunos, Melinda Siti Asmah Binti Zais, Ferliansyah Zuhriyah, Nur Azizah