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THE ROLE OF EXCHANGE TRADED FUND TO DRIVE THE GROWTH OF THE MUTUAL FUND INDUSTRY IN THE CAPITAL MARKET ACCORDING TO A REVIEW OF ISLAMIC LAW Bakhri, Syaeful; Rana, Mohammad; Pradini, Anez Yuniar
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 3 No 1 (2021): AT-TIJARAH Vol. 3 No. 1 January-June 2021
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v3i1.1264

As a product that has just been listed on the stock exchange, this Exchange Traded Fund (ETF) has attracted the attention of various lines of capital market investors. ETF is known as one of the mutual fund product innovations as a follow-up to POJK No. 49/POJK.04/2015. This study is a descriptive study of this product with all the features and advantages and uniqueness it has as a form of diversification of existing mutual fund products. This study also seeks to explore the strengths and weaknesses of ETFs both internally and externally. Interestingly, this descriptive study presents data on investor enthusiasm for ETF products. One of the main attractions of this product is that apart from being traded on the stock exchange, the price is also very cheap. Not only explaining in terms of products and their uniqueness, but this study also discusses the review of Islamic law on ETF transactions on the stock exchange. When compared with the practice of buying and selling, there are many similarities. And there are several other interesting factors to observe regarding the considerations of investors in choosing mutual fund instruments, especially ETFs as an alternative to new investments in the capital market.

SHARIA FINANCIAL LITERACY AND INCLUSION: OPPORTUNITIES AND CHALLENGES Pradini, Anez Yuniar; Faozan, Akhmad
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 8, No 2 (2023)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v8i2.15406

AbstractFinancial literacy and inclusion are indicators of a country's economic growth. If a country's level of financial literacy and inclusion is high, then the country can be said to be a developed country. This research aims to identify opportunities and challenges in efforts to increase the sharia financial literacy and inclusion index. This research uses the Systematic Literature Review (LSR) method with a descriptive approach. The results of this research show that the opportunities for financial literacy and inclusion include; Indonesia's demographic conditions which are dominated by Generation Z and millennials, the 2024 National Digital Transformation Program, high levels of education, the popularity of financial products and services, numerous and widespread sources of information (the presence of finfluencers), increased GDP per capita. Meanwhile, the challenges faced include; the increasing number and complexity of financial products and services, the threat of cyber crime, global economic conditions, the diversity of Indonesia's demographics, and the vastness of Indonesia's territory.Keyword: Financial literacy; Financial Inclussion; Opportunity; Challenge.

Risk and Return Money Saving di Reksadana dan Bank Digital Pradini, Anez Yuniar
JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 2 (2023): September 2023
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v2i2.899

In the era of the industrial revolution 4.0, as it is now, digitizing the banking and financial sector is important, considering that technological disruption has touched almost all aspects of life. In the world of investment and banking, the system used is already digital-based. The financial literacy level of the Indonesian people in 2022 will increase to 49.68%. This means that people are now smarter when it comes to choosing the financial products they will use. Currently, many financial institutions offer the advantages of each product by offering quite competitive returns. As an effort to increase public literacy, this study intends to compare the two financial products, namely mutual funds in seed applications and financial products at Bank Neo Commerce (BNC). The methodology used in this research is descriptive qualitative. The results of this study state that mutual funds and money savings at BNC both have advantages in terms of features and convenience. However, both have differences in the returns offered and the risks borne. Where digital banks offer greater returns with a lower level of risk. Interestingly, investment activities have the concept of compounding interest which has the possibility of obtaining much greater returns on the condition that the investment period is extended.

Improving Infrastructure in Child-Friendly Public Spaces RW.10 Pekalipan Village, Cirebon City Bakhri, Syaeful; Alamsyah, Muhammad Fakhri; Pradini, Anez Yuniar
Society : Jurnal Pengabdian Masyarakat Vol 4, No 4 (2025): Juli
Publisher : Edumedia Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55824/jpm.v4i4.611

This study evaluates the availability and condition of child-friendly infrastructure in RW.10 Pekalipan Village, Cirebon City, as part of the implementation of the Child-Friendly City Program (KLA). The method used is Participatory Action Research (PAR) by involving the community, village officials, and academics in the process of identifying issues, mapping potential, and implementing infrastructure development actions. Data was collected through observation, interviews, and document studies. The results of the study show that the child-friendly infrastructure in Pekalipan Village is quite adequate, including health facilities, education, green open spaces, and playgrounds. The local government has made efforts to improve public facilities and encourage community participation in development planning and evaluation. However, there are still challenges such as equitable distribution of facilities, the need for renovation, and the need to increase children's participation in the development process. This research emphasizes the importance of cross-sector collaboration and collaborative governance models to optimize KLA development. The resulting policy implications include the need to strengthen regulations, routine maintenance of facilities, and the active involvement of children and the community. These findings are in line with a recent study that highlights the importance of continuous evaluation and innovation in the development of child-friendly cities in Indonesia.

Improving Infrastructure in Child-Friendly Public Spaces RW.10 Pekalipan Village, Cirebon City Bakhri, Syaeful; Alamsyah, Muhammad Fakhri; Pradini, Anez Yuniar
Society : Jurnal Pengabdian Masyarakat Vol. 4 No. 4 (2025): Juli
Publisher : Edumedia Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55824/jpm.v4i4.611

This study evaluates the availability and condition of child-friendly infrastructure in RW.10 Pekalipan Village, Cirebon City, as part of the implementation of the Child-Friendly City Program (KLA). The method used is Participatory Action Research (PAR) by involving the community, village officials, and academics in the process of identifying issues, mapping potential, and implementing infrastructure development actions. Data was collected through observation, interviews, and document studies. The results of the study show that the child-friendly infrastructure in Pekalipan Village is quite adequate, including health facilities, education, green open spaces, and playgrounds. The local government has made efforts to improve public facilities and encourage community participation in development planning and evaluation. However, there are still challenges such as equitable distribution of facilities, the need for renovation, and the need to increase children's participation in the development process. This research emphasizes the importance of cross-sector collaboration and collaborative governance models to optimize KLA development. The resulting policy implications include the need to strengthen regulations, routine maintenance of facilities, and the active involvement of children and the community. These findings are in line with a recent study that highlights the importance of continuous evaluation and innovation in the development of child-friendly cities in Indonesia.

Critical Review of Changes from Classical to Contemporary Contracts in Sharia Economic Transactions: Fiqh Perspective Husein Lubis, Rahmat; Yuniar Pradini, Anez
Syarah: Jurnal Hukum Islam dan Ekonomi Vol. 13 No. 1 (2024): SYARAH : Jurnal Hukum Islam dan Ekonomi
Publisher : Fakultas Syariah Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/syarah.v13i1.2938

This research aims to analyze the form of legal contract principles in Islamic alliances mu'amalah. A deep agreement mu'amalah cannot be separated from the Islamic community. An alliance occurs because of a meeting between the two parties at the same time to tie a promise. In the field alliance, alliance will be needed to achieve common goals. Civil Code Article 1233 states that an agreement occurs with agreement and law. This research is a type of qualitative research with a small library. The data used are primary and secondary data types. Primary data comes from literature such as scientific works, books, websites, etc. And for secondary data, there are books that support the core of this research. This research's analytical method uses an inductive analysis method. The results of this research found that the study of sharia economic law relating to the form of principles of multipurpose engagement agreements consists of; Divine principle, principleworship, principle of freedom of contract, principle of consensualism, principle of binding, principle of balance, principle of benefit, principle of trust, principle justice, and principles of writing.

STUDI KOMPARASI RISK AND RETURN MONEY SAVING DI REKSADANA DAN BANK DIGITAL (APLIKASI BIBIT DAN BANK NEO COMMERCE) Pradini, Anez Yuniar; Triana, Nita
Journal of Economics and Policy Studies (JEPS) Vol. 4 No. 2 (2023): JEPS: Journal of Economic and Policy Studies
Publisher : UIN Sayyid Ali Rahmatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/jeps.v4i02.7375

In the era of the industrial revolution 4.0, as it is now, digitizing the banking and financial sector is important, considering that technological disruption has touched almost all aspects of life. In the world of investment and banking, the system used is already digital-based. The financial literacy level of the Indonesian people in 2022 will increase to 49.68%. This means that people are now smarter when it comes to choosing the financial products they will use. Currently, many financial institutions offer the advantages of each product by offering quite competitive returns. As an effort to increase public literacy, this study intends to compare the two financial products, namely mutual funds in seed applications and financial products at Bank Neo Commerce (BNC). The methodology used in this research is descriptive qualitative. The results of this study state that mutual funds and money savings at BNC both have advantages in terms of features and convenience. However, both have differences in the returns offered and the risks borne. Where digital banks offer greater returns with a lower level of risk. Interestingly, investment activities have the concept of compounding interest which has the possibility of obtaining much greater returns on the condition that the investment period is extended.

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