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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
PRINSIP PERENCANAAN KEUANGAN DALAM MENCAPAI KESEJAHTERAAN FINANSIAL INDIVIDU Vahilda Febrianti; Rini Puji Astuti; Muhammad Aris Maulana
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.v2i3.873

Abstract

Penelitian ini bertujuan untuk menganalisis prinsip keuangan yang berkontribusi dalam pencapaian kesejahteraan finansial individu, dengan pendekatan berbasis nilai-nilai syariah. Hasil penelitian menunjukkan bahwa prinsip-prinsip seperti membuat anggaran, mengelola pengeluaran, menabung dan berinvestasi dapat membantu individu mencapai kesejahteraan finansial. Dalam konteks ekonomi modern dan kebutuhan hidup yang kompleks, perencanaan keuangan yang sesuai dengan prinsip-prinsip islam seperti keadilan, keberkahan, dan tanggung jawab menjadi krusial. Studi ini menggunakan pendekatan kualitatif melalui studi Pustaka terhadap literatur terkait perencanaan keuangan syariah, maqasid syariah dan indicator kesejahteraan finansial. Hasil kajian menunjukkan bahwa prinsip-prinsip seperti penetapan tujuan keuangan sesuai syariah, pengelolaan dan arus kas halal, penghindaran riba, penyusunan dana darurat, dan investasi yang etis dan produktif memberikan kontribusi signifikan dalam menunjukkan kesejahteraan finansial yang berkelanjutan dan diberkahi. Temuan ini memberikan implikasi bagi individu muslim, pendidik keuangan, dan praktisi perencanaan keuangan syariah dalam menyusun strategi yang sejalan dengan nilai-nilai islam. Penelitian ini diharapkan dapat memberikan kontribusi pada pengembangan pengetahuan tentang perencanaan keuangan individu dan meningkatkan kesadaran masyarakat tentang pentingnya mengelola keuangan dengan efektif.
Peran Dana Sosial Islam Dalam Perencanaan Keuangan Keluarga Muhammad Ghufron Afandi; Luluk Maulidia; Rini Puji Astuti; Ristian Sinta
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.v2i3.880

Abstract

Abstrak. The important role of Islamic social funds, namely waqf, zakat, and Islamic social finance in supporting family financial planning. Islamic social funds have a plan to improve the welfare and economic maturity of families through proper distribution and management based on sharia principles. This study uses a qualitative descriptive method, namely through data-based research collected through interviews, observations, and documentation at Islamic social fund management institutions. The results of this study indicate that optimizing Islamic social funds can be an important instrument in family financial planning, especially in meeting basic needs and education. This concept provides a more organized and participatory social fund management strategy to empower families as a whole.
Peningkatan prinsip Tata Kelola dan Etika dalam Perencanaan Keuangan Syariah untuk mahasiswa FEBI Universitas islam kiai haji Achmad siddiq jember Moh Arif Billah; Rini Puji Astuti; Sarifa, Fina
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.v2i3.881

Abstract

Perencanaan keuangan syariah tidak hanya menekankan pada efisiensi dan efektivitas pengelolaan keuangan, tetapi juga pada nilai-nilai etika dan tata kelola yang sesuai dengan prinsip-prinsip Islam.[1] Penelitian ini bertujuan untuk menganalisis dan meningkatkan pemahaman mahasiswa FEBI Universitas Islam Kiai Haji Achmad Siddiq Jember terhadap prinsip tata kelola dan etika dalam perencanaan keuangan syariah. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan teknik pengumpulan data melalui observasi, wawancara, dan studi literatur. Hasil penelitian menunjukkan bahwa pemahaman mahasiswa masih bervariasi dan cenderung belum mendalam. Melalui integrasi kurikulum dan pelatihan praktis berbasis kasus, pemahaman dan penerapan prinsip-prinsip tersebut dapat ditingkatkan. Rekomendasi disampaikan kepada pihak fakultas untuk mengembangkan modul khusus etika dan tata kelola keuangan syariah yang kontekstual.
Manajemen Keuangan Pribadi Untuk Mencapai Stabilitas Finansial Dengan Strategi: Menabung dan Berinvestasi Shaffiyah Shaffiyah; Rini Puji Astuti; Citra Dwi Puspita
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.v2i3.882

Abstract

Kapasitas untuk mengawasi keuangan pribadi memerlukan keterampilan yang penting untuk merencanakan, menganggarkan, memantau, mengatur, meneliti, dan mengelola sumber daya keuangan sehari-hari secara efektif. Mengawasi urusan keuangan Anda sendiri, yang sering disebut sebagai manajemen keuangan pribadi, adalah sebutan alternatif untuk konsep ini. Sebaliknya, tantangan mendasar yang dihadapi individu dalam mencapai stabilitas keuangan melalui penerapan strategi menabung dan berinvestasi, serta literasi keuangan untuk mendorong praktik keuangan yang baik, terletak pada kurangnya pemahaman yang memadai tentang pentingnya manajemen keuangan pribadi. Hal ini menjadi dasar pemikiran mendasar di balik tantangan yang dihadapi individu dalam mencapai stabilitas keuangan. Pendekatan penelitian ini menggunakan metodologi penelitian kualitatif yang disertai dengan studi literatur. Hal ini muncul dari pemeriksaan data sekunder yang diperoleh dari beragam sumber terkait. Hasil penelitian menunjukkan bahwa sistem manajemen keuangan pribadi yang terorganisir dengan baik dan tingkat literasi yang memadai merupakan faktor penting yang sangat mempengaruhi kesuksesan finansial yang dicapai seseorang.
PERAN MANAJEMEN RESIKO DALAM MEMINIMALISIR RESIKO GAGAL BAYAR PADA PRODUK KEUANGAN SYARIAH Ardan Nafik; Rini Puji Astuti; Silvia Maulida I’lana
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.v2i3.886

Abstract

Islamic financial institutions in Indonesia have made significant progress in recent years. This development is driven by the increasing public interest in financial products that comply with sharia principles. This study uses a qualitative method. This study uses a descriptive qualitative approach with a literature study method. The results of this study indicate that: The implementation of risk management in Islamic financial institutions, including Bank Syariah Indonesia (BSI), reflects compliance with Islamic principles in carrying out banking operations. The most common risk faced in Islamic financing is credit risk, especially in murabahah and ijarah products. This risk often arises due to the inability of customers to fulfill their obligations or due to unstable economic conditions. To anticipate this, BSI has implemented various mitigation strategies, such as strict selection of prospective customers, continuous monitoring after financing is provided, and the formation of risk reserves to deal with potential defaults. In addition, internal supervision by the Sharia Committee ensures that all products and policies implemented remain in accordance with Islamic values. Meanwhile, the Financial Services Authority (OJK) and the National Sharia Council as Indonesian Ulema Council (DSN-MUI) also play a role by establishing regulations that serve as guidelines for Islamic banks in managing and mitigating risk.
Co-Authors Abd. Rosit, Siva Indana Arisanti Abdul Ghoni Hasanul Islam Abdul Wafi Ach. Zidani Mubarok Achmad Babun N 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 Hasyim Muzadi Ahmad Syarifudin Hidayat Ahmad Zakaria Aiko Sakinah Putri Aisyah Shidiqiyah Al Karimatus Sa’idah Alfina Wulandari Alifatun Istiqamah Lailani Alisah Marselia Saputri Alviatus Soleha Ananda Olivia Putri Andi Audiansyah Andreas Gede Pangestu Andriani Maghfiroh F.S 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 Aprilia Cahya Mutiara 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 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 khoirunnissa, izzun Laelatul Nur Hasanah Laila Zuhro Lailatul Kiptiyah Lailatul Qomariyah Lala Yunitasari Lathifah Shanaubar Islami Lestari, Liviana Miftah Lilik Munawaroh Lisa Maretha Wulandari Lukman Kholifatur Rahman Luluk Maulidia Lutfi Wijayanti M Faaza Maulana 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 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 Robby Hermawan Muhammad Sohib Muhammad Syahrul Al Azziz Nabila Churrotul A'in 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 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 Firdausah Nurul Fitria 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 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 Sulfaunsilah Susilowati Rahayuningsih Suswati Tanti Dewi Halimah Thalia Zhalzalbillah Damayanti Thoriq Reksa Alhady Thoriqh Afrizal Permana 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