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All Journal Ikonomika : Jurnal Ekonomi dan Bisnis Islam Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan International Journal of Supply Chain Management Jurnal Mantik Jurnal E-Bis: Ekonomi Bisnis ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING Journal of Management - Small and Medium Enterprises (SME's) The World of Public Administration Journal The World of Business Administration Journal juremi: jurnal riset ekonomi Journal of Islamic Business and Economic Review (JIBER) Share: Jurnal Ekonomi dan Keuangan Islam International Research of Economic and Management Education Nomico ADM : Jurnal Abdi Dosen dan Mahasiswa Journal of Islamic Economy Journal of Islamic Economic and Law (JIEL)
Ronaldo, Reza
Sekolah Tinggi Ekonomi Dan Bisnis Islam Lampung
Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Transportation Other

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THE PERCEPTION OF SECURITY AND RISK, EASE OF USE, AND BENEFITS ARE THE DETERMINING FACTORS IN ADOPTING A DIGITAL WALLET Karsim, Karsim; Rini, Rini; Ronaldo, Reza; Anam, Syaiful; Judijanto, Loso
Journal of Management Small and Medium Enterprises (SMEs) Vol 17 No 2 (2024): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v17i2.17027

Abstract

The COVID-19 era is an event that transitions all human activities in all parts of the world. This has an impact on various aspects including health, economic, and social aspects. All activities are carried out indoors and limit contact outside the room to avoid COVID-19, from social distancing to working from home. The implementation of this system makes people more 'literate' in technology. One of them is in the economic sector, where people have started using non-cash payment transactions. Because of this phenomenon, researchers analyzed the perception of security and risk, and benefits as the determining factors of in adopting the digital wallet. This research uses interviews and direct observation. The data collection was carried out on 15 respondents, people who have a high interest in the use of digital wallets. The results show that perceived security, ease of use, and benefits are the main factors in digital wallet adoption. Users prefer platforms with security features such as encryption and two-factor authentication. Perceived risks, such as data loss, can be mitigated with good education. Ease of use through an intuitive interface increases user satisfaction. Benefits such as ease of payment and financial incentives are strong motivators. To increase adoption, providers should focus on security, convenience, and clear communication of benefits. Keywords: Digital Wallet; Security and Risk; Benefits
The Political Economy of Natural Resources: Exploitation and Sustainability Judijanto, Loso; Reza Ronaldo; Setiawan, Edy
Nomico Vol. 1 No. 11 (2024): Nomico-December
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/gw3bvs59

Abstract

This article explores the political economy dynamics of natural resources in relation to their exploitation and sustainability. Natural resources, such as oil, gas, minerals, and forests, play a critical role in economic development. However, their management is often hindered by power imbalances, neoliberal policies, and pressures from globalization. Using a descriptive qualitative approach, the study analyzes how policies, economic structures, and political dynamics shape the exploitation of natural resources and their effects on social, economic, and environmental sustainability. The article emphasizes the need for sustainable development as a solution, focusing on integrating environmental sustainability, social inclusiveness, and equitable economic growth. By addressing these interconnected factors, the article argues that it is possible to achieve a balance between economic growth and the preservation of natural resources. Furthermore, it offers strategic recommendations for overcoming the challenges of exploitation and inequality in resource management. These recommendations include creating policies that prioritize fairness, transparency, and long-term sustainability. The article stresses the importance of inclusive and future-oriented governance, which ensures that natural resource wealth benefits all sectors of society, while minimizing environmental degradation. Such governance approaches can lead to more equitable outcomes, fostering a sustainable relationship between human development and the natural environment.
The Role of Zakat and Waqf in the Economic Empowerment of the People in the Digital Era Reza Ronaldo; Abiyajid Bustami; Edy Setiawan; Sumadi Buton
Journal of Islamic Economy Vol. 1 No. 3 (2024): NOVEMBER-JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/tx9mnw19

Abstract

Zakat and waqf have an important role in strengthening the ummah's economy and building community welfare. In the digital era, this role is increasingly strategic with the existence of various innovations and digital platforms that facilitate the collection, management, and distribution of zakat and waqf. This research aims to analyze the role of zakat and waqf in empowering the people's economy in Indonesia, especially through the use of digital technology. This research method uses a qualitative approach with data collection techniques in the form of literature studies and secondary data analysis related to zakat and waqf digital platforms in Indonesia. The results show that digital technology enables more efficient, transparent, and accountable distribution of zakat and waqf, as well as expanding the reach of beneficiaries. In addition, digitalization also helps increase public awareness of the importance of zakat and waqf in strengthening the economic independence of the ummah. The use of applications and websites in the collection of zakat and waqf funds shows an increase in community participation, especially the younger generation, in supporting social activities and economic empowerment. The conclusion of this study emphasizes the importance of collaboration between zakat and waqf management institutions, the government, and the technology sector to encourage the development of digital platforms that can increase the effectiveness and impact of zakat and waqf in empowering the people's economy.
Unlocking the Syariah Insurance Market in Indonesia: Overcoming Barriers and Enhancing Market Penetration Ronaldo, Reza; Rizal, Muhamad; Maulini, Yul
Journal of Islamic Economic and Law (JIEL) Vol. 1 No. 1 (2024): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v1i1.1667

Abstract

As the largest Muslim-majority country, Indonesia has significant potential for Syariah insurance (Takaful). However, its market penetration remains below 10% due to low financial literacy, regulatory fragmentation, and limited product innovation. This study employs qualitative thematic analysis through expert interviews and document analysis to explore the key challenges and strategic interventions needed to enhance Syariah insurance adoption. Findings reveal that digital transformation, regulatory harmonization, and financial literacy programs are crucial for sustainable growth. Lessons from Malaysia and GCC countries indicate that fintech-driven Syariah insurance solutions, such as blockchain-based takaful and AI-powered underwriting, can significantly increase accessibility and efficiency. This study proposes a regulatory alignment framework, fintech adoption strategies, and microtakaful expansion to enhance market inclusion. The results contribute to the academic discourse by providing a roadmap for policymakers, insurers, and financial regulators to strengthen Indonesia’s Syariah insurance ecosystem.
TRANSFORMASI STRATEGIS ASURANSI SYARIAH DALAM MENINGKATKAN KONTRIBUSI TERHADAP EKONOMI SYARIAH NASIONAL Reza Ronaldo; Yul Maulini
Juremi: Jurnal Riset Ekonomi Vol. 5 No. 1: Juli 2025
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Strengthening the Islamic insurance (takaful) sector in Indonesia plays a strategic role in accelerating the growth of the national sharia economy. Despite being home to the largest Muslim population in the world, the contribution of Islamic insurance to the total national insurance premium remains relatively low, only around 7.8% or approximately IDR 16 trillion, significantly lagging behind conventional insurance premiums, which reached IDR 204.2 trillion. This study aims to examine and formulate effective strategies to enhance market penetration and the contribution of Islamic insurance to the national economy. Employing a descriptive qualitative approach, data were collected through in-depth interviews, document analysis, and focus group discussions (FGDs) involving key stakeholders. The findings indicate that the acceleration of the Islamic insurance industry is strongly influenced by three critical factors: product innovation, improvement of Islamic financial literacy, and cross-sector collaboration among the government, industry players, and educational institutions. Regulatory constraints and limited public trust must be addressed through proactive policies and sustained educational campaigns. This study recommends the pentahelix model as an integrated strategic framework to reinforce the role of Islamic insurance in supporting the development of Indonesia’s sharia-based economy.
Edukasi Ekonomi Syariah bagi Generasi Muda: Membangun Kesadaran Finansial Islami sejak Dini di Sekolah Menengah Reza Ronaldo; Yul Maulini
ADM : Jurnal Abdi Dosen dan Mahasiswa Vol. 3 No. 1 (2025): ADM : Jurnal Abdi Dosen dan Mahasiswa
Publisher : Penerbit dan Percetakan CV.Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jurnaladm.v3i1.1017

Abstract

Penelitian dilakukan dengan tujuan untuk menganalisis tingkat literasi ekonomi syariah di kalangan siswa sekolah menengah serta merumuskan strategi pembelajaran yang efektif dalam membangun kesadaran finansial Islami sejak dini. Latar belakang penelitian adalah rendahnya indeks literasi keuangan syariah nasional, khususnya pada generasi muda sesuai Survei OJK tahun 2024 (SNLIK). Penelitian dibuat menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data berupa wawancara mendalam, observasi partisipatif, dan studi dokumentasi di beberapa sekolah menengah di wilayah perkotaan dan kabupaten di Lampung. Hasil penelitian menunjukkan bahwa implementasi materi ekonomi syariah di sekolah masih terbatas dan belum terintegrasi secara sistematis dalam kurikulum. Faktor-faktor penghambat utama meliputi keterbatasan media ajar, kurangnya pelatihan guru, minimnya dukungan kebijakan sekolah, serta rendahnya minat siswa terhadap topik ekonomi syariah. Penelitian ini merekomendasikan strategi edukasi yang mencakup integrasi kurikulum tematik, pelatihan guru berkelanjutan, pengembangan media pembelajaran inovatif, serta kemitraan antara sekolah dan lembaga keuangan syariah. Hasil penelitian berkontribusi pada penguatan pentingnya pendidikan ekonomi syariah sejak usia dini sebagai bagian integral dari pengembangan karakter, etika keuangan, dan pembentukan generasi muda yang memahami finansial syariah dan berorientasi pada nilai-nilai Islami. Temuan ini relevan untuk pembuat kebijakan, pendidik, dan praktisi pendidikan Islam.
Impact Of Indonesian Islamic Bank To Build Growth Premium Income Of Shari’a Insurance Company In Indonesia Market Ronaldo, Reza; Meilia, Maya; Alaaraj, Hasan
IKONOMIKA Vol 3, No 2 (2018)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v3i2.3480

Abstract

In 2017 the Indonesian Islamic Bank contributes premium income to Shari’a Insurance in Indonesia amounting to 1.8 billion rupiah. There are 5 (five) Islamic Banks in Indonesia that contribute premiums to national Shari’a Insurance. The big five Islamic Banks in Indonesia are; Bank Mandiri Shari’a (BMS), Bank Muamalat Indonesia (BMI), Bank Negara Indonesia Shari’a (BNIS), Bank Rakyat Indonesia Shari’a (BRIS) and Bank Mega Shari’a. With increasing income of the National Shari’a Bank, it is expected to have an increasingly income of Shari’a National. Indonesian Islamic Banks give significant contribution to the growth of Shari’a Insurance premiums in Indonesia. While other Shari’a financial instruments in Indonesia such as Shari’a BPR, Leasing Shari’a are not so large, so they have not provided significant premium contributions to National Shari’a Insurance. If other Islamic Financial Instruments can accelerate market share, then of course it will be able to provide additional premiums that are not small to Shari’a Insurance in Indonesia. This research is expected to be further developed in order to increase the income of Islamic banks in Indonesia while at the same time growing national Shari’a Insurance Premium Income. Keywords : Islamic Bank, Sharia Insurance and Takaful.
Co-Authors Abdul Qodir Zaelani Abiyajid Bustami Ahmaddien, Iskandar Alaaraj, Hasan B. Basrowi Basrowi, B. Cakranegara, Pandu Adi Edy Setiawan Eva Rahmawati Fadoli, Fadoli Hasan Alaaraj Judijanto, Loso Karsim, Karsim Kusman Yuhana M. Rizal Maulini, Yul Maya Meilia Meilia, Maya Muhammad Iqbal Fasa Mutiara Eka Putri RINI RINI SARI, YESSI AVITA Subagja, Agus Dedi Sumadi Buton Suparman, Ade Syaiful Anam Utami, Rahayu Tri Yofy Syarkani Yul Maulini Yul Maulini Yulmaulini Yulmaulini Yulmaulini, Yulmaulini