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Analisis Peran Bank Sentral Dalam Mengatur Kebijakan Moneter Dan Stabilitas Keuangan Riska Wahyuningsih; Desty Agilia Putri Nursaadah; Rini Puji Astuti
Menulis: Jurnal Penelitian Nusantara Vol. 1 No. 5 (2025): Menulis - Mei
Publisher : PT. Padang Tekno Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/menulis.v1i5.292

Abstract

Bank sentral merupakan lembaga kunci dalam sistem keuangan suatu negara yang berperan penting dalam menjaga stabilitas moneter dan keuangan. Dengan mandat utama untuk mengelola kebijakan moneter, mengatur sistem pembayaran, dan bertindak sebagai lender of last resort, bank sentral memainkan peranan strategis dalam menjaga kestabilan harga, mengendalikan inflasi, serta mendukung pertumbuhan ekonomi yang berkelanjutan. Di Indonesia, Bank Indonesia (BI) menjalankan fungsi-fungsi ini dengan beragam instrumen, termasuk pengaturan suku bunga, operasi pasar terbuka, dan ketentuan cadangan minimum perbankan. Selain itu, BI juga bertanggung jawab menjaga stabilitas sistem keuangan melalui pengawasan lembaga keuangan, koordinasi antar lembaga, serta penerapan mekanisme penanggulangan krisis. Penelitian ini bertujuan untuk menganalisis peran dan strategi bank sentral, khususnya Bank Indonesia, dalam mengatur stabilitas keuangan di tengah dinamika ekonomi global dan domestik.
Regulasi Dan Pengawasan Perbankan Oleh Otoritas Jasa Keuangan (OJK) Hilyatul Azizah; Adriani Aulia Putri; Rini Puji Astuti
Menulis: Jurnal Penelitian Nusantara Vol. 1 No. 5 (2025): Menulis - Mei
Publisher : PT. Padang Tekno Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/menulis.v1i5.294

Abstract

Jurnal ini membahas regulasi dan pengawasan perbankan oleh Otoritas Jasa Keuangan (OJK) di Indonesia. Perbankan berperan strategis dalam mendorong pertumbuhan ekonomi melalui penyaluran kredit, terutama kepada sektor mikro, kecil, dan menengah (UMKM). Dengan adanya OJK, yang berdiri sejak 2008, diharapkan pengawasan perbankan menjadi lebih efektif dan efisien. Regulasi yang ketat diperlukan untuk melindungi nasabah dan menjaga stabilitas sistem keuangan. Penelitian ini menggunakan pendekatan kualitatif deskriptif, mengumpulkan informasi dari sumber-sumber literasi terkait. Hasil penelitian menunjukkan bahwa OJK memiliki kewenangan dalam pengaturan dan pengawasan bank, serta perlindungan konsumen, guna memastikan sistem perbankan yang transparan, adil, dan berkelanjutan.
Inovasi Digital Dan Kebijakan Bank Sentral Dalam Era Teknologi Zulfiah Nafisah; Muhammad Farhan Riski; Rini Puji Astuti
Menulis: Jurnal Penelitian Nusantara Vol. 1 No. 5 (2025): Menulis - Mei
Publisher : PT. Padang Tekno Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/menulis.v1i5.295

Abstract

Inovasi digital telah menjadi pendorong utama transformasi dalam sektor keuangan global, mempengaruhi cara bank sentral merumuskan dan menerapkan kebijakan moneter. Jurnal ini mengeksplorasi hubungan antara inovasi digital dan kebijakan bank sentral dalam konteks era teknologi yang terus berkembang. Dengan munculnya teknologi seperti blockchain, pembayaran digital, dan mata uang digital bank sentral (CBDC), bank sentral dihadapkan pada tantangan baru yang memerlukan penyesuaian kebijakan yang cepat dan efektif. Penelitian ini mengidentifikasi tiga area utama di mana inovasi digital mempengaruhi kebijakan bank sentral: regulasi dan pengawasan, kolaborasi dengan sektor swasta, serta pendidikan dan kesadaran masyarakat. Selain itu, jurnal ini juga membahas tantangan yang dihadapi oleh bank sentral, termasuk risiko keamanan siber, ketidakpastian regulasi, dan dampak terhadap stabilitas keuangan. Melalui analisis ini, diharapkan dapat memberikan wawasan yang lebih dalam mengenai bagaimana bank sentral dapat mengoptimalkan kebijakan mereka untuk memanfaatkan potensi inovasi digital sambil menjaga stabilitas sistem keuangan. Dengan demikian, penelitian ini berkontribusi pada pemahaman yang lebih baik tentang peran bank sentral dalam menghadapi era teknologi dan pentingnya adaptasi kebijakan dalam menghadapi perubahan yang cepat.
Peran Bank Sentral Dalam Sistem Pembayaran Di Indonesia Dan Arah Pengembangan Sistem Pembayaran Di Masa Depan Erfan Efendi; Najimatul Badi’ah; Rini Puji Astuti
Menulis: Jurnal Penelitian Nusantara Vol. 1 No. 5 (2025): Menulis - Mei
Publisher : PT. Padang Tekno Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/menulis.v1i5.299

Abstract

Bank sentral memegang peranan penting dalam menjaga stabilitas sistem keuangan dan perekonomian suatu negara, termasuk Indonesia. Namun, tingkat inklusi keuangan di Indonesia masih tergolong rendah, terbukti dari tingginya persentase penduduk dewasa yang tidak memiliki rekening bank serta terbatasnya akses pembiayaan formal bagi pelaku usaha mikro, kecil, dan menengah (UMKM). Faktor-faktor seperti hambatan harga, keterbatasan layanan, desain produk yang kurang sesuai, serta rendahnya literasi keuangan menjadi penyebab utama permasalahan ini. Penelitian ini bertujuan untuk mengkaji peran Bank Indonesia sebagai bank sentral dalam sistem pembayaran nasional serta arah pengembangan sistem pembayaran di masa depan. Metode yang digunakan adalah literature review dengan analisis tematik terhadap berbagai sumber ilmiah terkait. Hasil kajian menunjukkan bahwa Bank Indonesia berperan sebagai regulator, pengawas, pemberi izin, fasilitator pengembangan, dan penyelenggara infrastruktur sistem pembayaran. Bank Indonesia juga bertanggung jawab dalam penguatan perangkat hukum, kebijakan, serta pengembangan instrumen pembayaran baik tunai maupun non-tunai. Di tengah kemajuan teknologi finansial, bank sentral dihadapkan pada tantangan inovasi sistem pembayaran digital, perlindungan konsumen, dan penguatan infrastruktur pembayaran yang efisien dan aman. Sinergi antara Bank Indonesia, Otoritas Jasa Keuangan (OJK), dan pemerintah menjadi kunci dalam menciptakan sistem pembayaran yang inklusif, efisien, serta mampu mendorong pertumbuhan ekonomi nasional secara berkelanjutan.
Peran Kritis Bank Sentral dalam Menghadapi Gejolak Ekonomi Muchammad Rizkiansyah Fakhreza; Darian Fahris Ghofur; Rahmad Aditya Eka Febriyanto; Rini Puji Astuti
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 5 (2025): JURNAL ILMIAH EKONOMI DAN MANAJEMEN (JIEM) Mei
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i5.4579

Abstract

This research discusses the critical role of central banks in the face of economic turmoil characterized by monetary and financial instability. The background of this research is the importance of central banks as controllers of monetary policy and financial system stability in responding to global and domestic economic crises. The research objective is to analyze the strategic steps of the central bank, especially Bank Indonesia, in maintaining exchange rate stability, controlling inflation, and ensuring the liquidity and health of the banking sector during times of turmoil. The research method used is qualitative with data analysis conducted using the Miles and Huberman model, which includes data reduction, data presentation, and conclusion drawing. The findings show that the central bank acts as a lender of last resort, intervenes in the foreign exchange market, adjusts the benchmark interest rate, and collaborates with the government and other financial authorities to maintain national economic stability and support economic recovery effectively.
PERAN BANK SENTRAL DALAM MENCEGAH DAN MENGATASI KRISIS KEUANGAN DI INDONESIA Mistar, Eristiana Choirun Nisa; Andreas Gede Pangestu; Rini Puji Astuti
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 5 (2025): JURNAL ILMIAH EKONOMI DAN MANAJEMEN (JIEM) Mei
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i5.4674

Abstract

Financial crises pose a significant challenge to a country's economic stability, leading to high inflation, currency instability, and reduced public confidence in the financial system. Central banks play a strategic role in maintaining financial stability through monetary policy, banking regulations, and coordination with the government and financial institutions. This study aims to analyze how central banks prevent and address financial crises and the strategies that can be implemented to strengthen the financial system against economic shocks. This research employs a qualitative approach through literature review by analyzing various scholarly journals, policy reports, and case studies from different countries. The findings indicate that the success of central banks in managing crises depends on the effectiveness of monetary policy, banking system preparedness, and synergy between fiscal and monetary policies. Additionally, emerging challenges such as financial digitalization and global market volatility require more adaptive supervisory strategies. In conclusion, central banks must continuously innovate their financial stability policies by strengthening regulations, enhancing transparency, and adopting digital technologies to mitigate future risks.
DINAMIKA KEBIJAKAN MONETER DALAM MENGENDALIKAN INFLASI DAN MENDORONG PERTUMBUHAN EKONOMI Abd. Rosit, Siva Indana Arisanti; Baharudin Rachman; Rini Puji Astuti
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 5 (2025): JURNAL ILMIAH EKONOMI DAN MANAJEMEN (JIEM) Mei
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i5.4675

Abstract

This study aims to analyze the dynamics of monetary policy in controlling inflation and promoting economic growth in Indonesia. The research problem focuses on assessing the effectiveness of monetary policy instruments such as benchmark interest rates, reserve requirements, and open market operations in achieving price stability while encouraging national economic growth. A qualitative literature review method was employed, combining findings from previous studies, official reports from Bank Indonesia, and relevant secondary data. The results indicate that the implementation of monetary policy, particularly through the inflation targeting framework and innovations such as the BI 7-Day Reverse Repo Rate, has contributed to reducing inflation and maintaining sustainable economic growth. Furthermore, the synergy between monetary policy and fiscal policy has strengthened Indonesia’s macroeconomic stability. The study concludes that the effectiveness of monetary policy depends on the accuracy of instruments, the credibility of the monetary authority, and the coordination across policies to address both domestic and global economic dynamics.
Manajemen Utang Dalam Perspektif Islam : Terhadap Produk Pembiayaan Berbasis Syariah (Murabahah Dan Qardhul Hasan): Studi Literatur pada peran Akad dalam Lembaga Keuangan Syariah Nurul Firdausah; Rini Puji Astuti; Nia Safira Aprilia Firdaus
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 3 (2025): Mei
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v2i3.862

Abstract

This research was conducted to answer the problem of the role of murabahah and qardhul hasan contracts as alternative debt for the community. The type of research used is descriptive qualitative. By using secondary data derived from the theories of various literatures and data that emerged from an institution. . The results of this study show that these two contracts have a complementary role in providing financing solutions that comply with sharia principles and meet the needs of people from various economic segments. Murabahah reaches productive customers who need financing with a structured plan, while qardhul hasan reaches vulnerable people who need financial assistance without the pressure of interest.
Perencanaan Dana Pensiun Dan Pendidikan Berbasis Syariah: Pendekatan Strategi Untuk Kesejahteraan Masa Depan Nadiah Ulfatun Hasanah; Rini Puji Astuti; Indana Zulfa Azizah
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 3 (2025): Mei
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v2i3.863

Abstract

Retirement and education planning is an important part of family financial management that aims to achieve sustainable prosperity in the future. From an Islamic perspective, financial planning should be done in compliance with sharia principles that prohibit riba, maysir and gharar. The sharia approach in financial planning includes the use of halal instruments such as sharia insurance (takaful), sukuk, and investment in sharia mutual funds that comply with the fatwa of the National Sharia Council⁽¹⁾. This planning also emphasizes the importance of the values of responsibility, justice, and the blessing of wealth in meeting long-term needs such as children's education funds and family pension funds⁽²⁾. This study shows that good Islamic financial literacy can encourage Muslim communities to plan their future more strategically⁽³⁾. Therefore, strengthening the Islamic financial ecosystem and educating the public are crucial steps in supporting Islamic values-based financial well-being.
PERSEPSI MAHASISWA PERBANKAN SYARIAH UIN KHAS JEMBER TENTANG EDUKASI INVESTASI SAHAM SYARIAH. Putra Alif Kurniawan Akbar; Elvin Adria Saputri; Ayu Dwi Yulandari; Rini Puji Astuti
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 3 (2025): Mei
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v2i3.872

Abstract

The main focus of this research is to explore how students' understanding and attitudes towards the material taught in lectures and the facilities provided by the campus, such as the Sharia Investment Gallery (GIS), are shaped. The research employs a qualitative approach with a case study design, where data was collected through in-depth interviews with a number of active students who have taken courses related to Sharia stock investments. The results of the study indicate that the majority of students have a positive perception of the importance of Sharia stock investment education. However, they consider the education they receive to be limited to theory and lacking in practical aspects. Factors influencing students' perceptions include the quality of teaching, access to digital information, and student involvement in GIS activities, which remains suboptimal. Based on these findings, the study suggests the integration of practical Sharia investment experience in lectures, enhanced collaboration with GIS, and the development of digital educational content to broaden students' literacy in Sharia capital markets
Co-Authors Abd. Rosit, Siva Indana Arisanti Abdul Ghoni Hasanul Islam Abdul Wafi Ach. Zidani Mubarok Achmad Babun N Adilah Alya Adinda Iklilatul Aura Salsabila Adinda Kusuma Hati Adinda Wahyu Faradilla Adinda Wahyu Fardila Aditia Ramadani Adriani Aulia Putri Afidatur Rizqiyah Afifah Ismi Aulia Afrilia Faradisi Afrilla Safna Azifah Agus Syaiful Umar Ahmad Fuji Sugiyarto Ahmad Hasyim Muzadi Ahmad Samsudin Ahmad Syarifudin Hidayat Ahmad Zakaria Aiko Sakinah Putri Aisyah Shidiqiyah Al Karimatus Sa’idah Alfina Wulandari Alifatun Istiqamah Lailani Alisah Marselia Saputri Alviatus Soleha Amalia Mujahadah Aminuyati Ananda Olivia Putri Andi Audiansyah Andreas Gede Pangestu Andriani Maghfiroh F.S Aneira Meilani Putri Angelica Permatasari Anggi Hadi Pratama Anggita Legian Afriana Anisa Sundhusiah Anisah Dwi Rahmawati Annisa Maulida Rachmawati Annisa Nur’aini Widya Sari Annisak Isnaeni Rusmiyanti Ansori Makruf Anugrah Arif Ivandi Aprilia Cahya Mutiara Aprilia Uzlifatul Jannah Ardan Nafik Astrid Ulya Paramitha Kahfi As’adur Rofiq Alfaritsi Ayu Dwi Yulandari Baharudin Rachman Bahrur Rosi Christine Lim Xin Hui Citra Adi Cahyani Citra Dwi Puspita Dahniar Ananda Dani Triiswanto Danil Eka Ardiansyah Darian Fahris Ghofur Denis Oktaviana Desi Asfidatul Fitria Desi Duwi Safitri Desty Agilia Putri Nursaadah Devina Putri Meilia Devita Izzatun Faizah Dewi Eka Agustin Dewi Fajar Manikati Diah herifatul Jannah Dian Herni Fidayah Dian Holisa Dian Maylani Dian Zahra Izzati Diana Dimas Afriyanto Dimas Ariyanto Dinda Ika Yulianti Dwi Latifa Rizqina Dwi Mutmainnah Pelita Putri Efina Qomariyah Eka Safitri Elsa Zahrotul Afidah Elvi Sukesi Elvin Adria Saputri Erfan Efendi Erinatul Romadona Novianti Ervina Eka Sari Fadilatul Najah Afrylia Faikoh Faikoh Faiqotul Aliyah Faiqqotul Hikmah Farriz Nizar Irhamni Fica Aulia Fina Diantasari Fina Karmila Mafir Fitri Musyarrofatin Nailiyah Fitriyani Agustin Fritzy Nur Ardli Gading Ababil Geadeva Destri Ramadhani Ghaitsa Tamara Alya Kansa Habibatun Nafilah Hafid Muamad Ali Hafid Muhammad Ali Hafifatul Fitria Hanifah Sulviana Helfita Sari Herlinda Tri Novia Ramadani Hesti Ananta Wulandari Hifna Rizqiyani Maulida Hikmatus Sholihah Hilyatul Azizah Hindi Mohammad Hasan Hindi Rihadatul Ais Iffah Nabilah Iga Ilya Dewi Ilfany Dwi Azaliya Ilona Naysilia Aida Imada Wiken Al Khildina Imelda Aurani Nabila Indah Nurul Hidayati Indana Zulfa Azizah Indiana Kaffa Intan Ambarwati Intan Lutfi Nuraini Intan Masfaur Rohmah Intan Mustikawati Putri Intan Widi Astutik Intan Yulianti Istofina Azzaroh Izha Afkarina jazilar rohman, Muhammad faqih Jihan Fita Nabila Jonata Aldonama Julia Citra Anggraini Junnita Wanda Herawati Kamaliyatul Mawaddah Khoirul Umam Laelatul Nur Hasanah Laila Zuhro Lailatul Kiptiyah Lailatul Maghfiroh Lailatul Qomariyah Lala Yunitasari Lathifah Shanaubar Islami Lestari, Liviana Miftah Lilik Munawaroh Lisa Maretha Wulandari Liza Afkarin Lukman Kholifatur Rahman Luluk Maulidia Lutfi Wijayanti M Faaza Maulana M kholil M Nur Cholis M. Bayu Prayoga M. Luqman Al Hakim M. Rafi Khoirum Umam M. Roby Hermawan M.Anwar Saddad Maharani, Hevy Risqi Maliatul Barokah Maryani Mar’i Muhammad Yudha Maulidatul Hasanah Maya Anggraini Ma’rifatul Amalia melisa Ramadhani MIFTAHUL JANNAH mila rosa Mistar, Eristiana Choirun Nisa Moh Aldi Sofyan Moh Arif Billah Moh Khoirul Anam Moh Samsul Rifa’i Moh. Kevi Kailila Afif Moh. Yafis Shudur Mohamad Aminudin Muchammad Rizkiansyah Fakhreza Muhammad Alif Ayatulloh Rohman Muhammad Aril Muhammad Aris Maulana Muhammad As’ad Dzarul Ghifari Muhammad Danial Rosipudin Afton Muhammad Dimas Hud Alfan Muhammad Farhan Riski Muhammad Fudholi Hamidul As’ad Muhammad Ghofur Muhammad Ghufron Afandi Muhammad Ilzamudin Muhammad Khanifan Abdillah Muhammad Sohib Muhammad Syahrul Al Azziz Muzayyanah Agustin Mya Hayda Kharisma Nabila Ainuz Zahro Nabila Churrotul A'in Nabila Syahda Kamila Nadhilah Syarafina Nadia Putri Rahmawati Nadiah Ulfatun Hasanah Nafa Latif Vani Purwanto Nailatul Karomah Najimatul Badi’ah Najwa Bariroh Nazila Kusuma Wardani Nelsiana Aprilin Indah Sari Nia Safira Aprilia Firdaus Nida dusturiyah Niken Ayu Pusparani Niki Kurniasari Niki Kurnisari Nindita Muhafillah Nissa, Izzun Khoirun NITA APRILIA Nita Kurnia Ningseh Noviatus Shaleha Novita Nur Aprianti Nur Afika Tiara Sari Nur Alfitri Nur Alvinatul Hasanah Nur Laily Maulid Diana Nur Roziq Ramadhani Nurkholifah Husna Nurrika Septa Alfianti Nurul Erda Nurul Firdausah Nurul Fitria Nurul Holida Nurul isnainiah Oscar Achmad Djunaedi Puput Dwi Wulandari Puput Permata Sari Putra Alif Kurniawan Akbar Putri Sella Enjelita Putri Sofiatul Islamiah Putri Stevi Anggraeni Qomar Bagus Prayogo Rahmad Aditya Eka Febriyanto Ramadhanti Octavia Bulan Puji Mulya Rangga Bagus Wicaksono Rani Filianti Heti Negar Rani Maulida Sari Redita Maysa Ayu Refi Anggraini Rendy Andika Putra Rendy Ilyas Febriansyah Revy Aulia Putri Ria Ananda Putri Arviani Rifqiyan Humaidillah Rika Ifana Putri Mayangsari Riska Syoviyana Riska Wahyuningsih Riski Febri Yanti Risma Aini Wulandari Ristian Sinta Riya Dwi Abriwati Rizza Agustin Robiatul Aulia Rona Mardhatila Rufaidah Kallita Omega Salsabila Aurani faradilah Salsabila Nurmaulida Syifa Salsabilah Aurani Faradilah Salwatul Muslimah Sarifa, Fina Sarifatus Sakdiya Selfi Dwi Anggraini Selfiya Selvina Risqi Nurhasanah Septi Diah Ayu Ningtiyas Septiana Malihah Shaffiyah Shaffiyah Shinta Amelia Putri Shinta Rahmawati Silvia Lailatul Anggraini Silvia Maulida I’lana Sinta Fatmala Sari SITI AMINAH Siti Fajriatun Ramadhani Siti Fatimatu Fitriyah Siti Horirin SITI NUR AINI Siti Shofiatul Mukarromah Siti Soleha Siti Sulistianti Kurmain Siti, Siti Sofiatul Maghfiroh Sofiatul Munawaroh Sri Wahyuni Sulfaunsilah Susilawati Susilowati Rahayuningsih Suswati Syafira Ilma Maulida Tanti Dewi Halimah Thalia Zhalzalbillah Damayanti Thoriq Reksa Alhady Tika Puspita Oktavianingrum Tri Wahyuni Tria Sughesti Adifa W Ulviatur Rohmah Uly Sunil Asyura Ummah Habibah Ummi Sa’idah Vahilda Febrianti Vaza Zahiduz Zaka Veby Septya Margareta Vipta Riani Okta Fianti Virinda Nadiva Fitri Wafiq Nur Azizah Wasiatul Hasanah Wesilatul Hokamah Widiatul Fitriyah Wildatuz Zahroh Yanuar Imam Ardiansyah Yoga Adi Saputra Yuladul Fitriah Zeinnita Iftyfara Ziadatul Khoirot Zulfa Dwi Diana Putri Zulfiah Nafisah Zulvi Lailatul Hidayah