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All Journal Indonesian Journal of Business and Entrepreneurship (IJBE) JURNAL MAHKAMAH Panrita Abdi - Jurnal Pengabdian pada Masyarakat Jurnal Dinamika Ekonomi dan Bisnis Jurnal Ekonomi & Keuangan Islam Jurnal Tabarru': Islamic Banking and Finance JPPM (Jurnal Pengabdian dan Pemberdayaan Masyarakat) Abdimas UNWAHAS : Jurnal Pengabdian Masyarakat UNWAHAS International Journal of Zakat (IJAZ) Management Studies and Entrepreneurship Journal (MSEJ) Ihtiyath : Jurnal Manajemen Keuangan Syariah Community Development Journal: Jurnal Pengabdian Masyarakat Journal of Management and Entrepreneurship Research Indonesian Journal of Islamic Economics and Business Jurnal Investasi Islam Jurnal Rekognisi Akuntansi (JRA) Jurnal Kebijakan Ekonomi dan Keuangan Journal of Accounting and Finance Jurnal Rekognisi Ekonomi Islam (JREI) Start-up and Financial Technology
Silviana Pebruary
Universitas Islam Nahdlatul Ulama Jepara, Indonesia
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Analisis Pengaruh Inflasi, Investasi Syariah, Nilai Tukar dan Pembiayaan Syariah Terhadap Pertumbuhan Ekonomi Firda Sari, Lailisa; Pebruary, Silviana
Indonesian Journal of Islamic Economics and Business Vol. 10 No. 1 (2025): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/2km31p06

Abstract

This study aims to analyse the effect of Inflation, Islamic Investment, Exchange Rates, and Islamic Financing on Economic Growth in Indonesia. This study uses monthly secondary data from 2012 to 2023 which is analysed using the Vector Error Correction Model (VECM) method. The results of the analysis show that inflation has a significant negative effect on economic growth in the long term and short term. Islamic investment affects economic growth in the long term positively and significantly, while in the short term it affects economic growth positively and insignificantly. The exchange rate has a significant negative effect in the short term and in the long term the exchange rate has a positive and insignificant effect on economic growth. Islamic financing has a significant negative effect in the long term and an insignificant negative effect in the short term. This research is expected to help policy makers, government and academics to stabilise the macroeconomy, strengthen the Islamic financial sector and increase the synergy between Islamic financing and the real sector in supporting sustainable economic growth.  
Faktor-Faktor Yang Mempengaruhi Literasi Fintech Syariah Pada Kalangan Mahasiswa Silviana Rizqi Safitri; Silviana Pebruary
Jurnal Rekoginisi Ekonomi Islam Vol. 4 No. 01 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jrei.v4i01.1386

Abstract

This study aims to analyze the factors that influence Islamic fintech literacy among university students, focusing on three main variables: gender, Islamic financial education, and social media. Islamic fintech is rapidly developing as an alternative to digital financial services that comply with Islamic principles. However, students' literacy levels regarding these services are still relatively low. This study uses a quantitative approach with a survey method through a Google Form-based questionnaire and involves 170 students from various regions in Indonesia. The data is analyzed using multiple linear regression. The results show that Islamic financial education and social media have a positive and significant effect on Islamic fintech literacy. Conversely, gender does not show a significant effect. These findings indicate that improving Islamic fintech literacy among students can be achieved through strengthening Islamic-based financial education and optimizing social media as an educational too. Keywords: literasi fintech syariah, jenis kelamin, pendidikan keuangan syariah, media sosial, mahasiswa.
ANALISIS DETERMINAN KOLEKTIBILITAS PEMBIAYAAN PADA KSPPS BMT AMANAH NUSA JEPARA Lestari, Wiji; Pebruary, Silviana
Jurnal Tabarru': Islamic Banking and Finance Vol. 8 No. 1 (2025): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2025.vol8(1).20828

Abstract

Penelitian ini bertujuan untuk menganalisis determinan kolektibilitas pembiayaan pada KSPPS BMT Amanah Nusa Jepara dengan menggunakan variabel jumlah plafond pembiayaan, jangka waktu, jumlah jasa serta jenis pembiayaan. Pendekatan yang dipakai dalam penelitian ini yaitu pendekatan kuantitatif dengan menggunakan data sekunder yang diperoleh dari lembaga KSPPS BMT Amanah Nusa. Populasinya berupa laporan data anggota pembiayaan aktif pada periode tahun 2023. Teknik pengambilan sampling menggunakan sampling jenuh sehingga didapatkan sampel sejumlah 472 anggota pembiayaan di tahun 2023. Hasil dari penelitian ini menyatakan bahwa tidak semua faktor yang diuji mempunyai pengaruh signifikan terhadap tingkat kolektibilitas di KSPPS BMT Amanah Nusa. Jumlah plafond, jangka waktu dan jumlah jasa berpengaruh signifikan terhadap tingkat kolektibilitas macet, namun jenis pembiayaan tidak berpengaruh signifikan terhadap tingkat kolektibilitas.
Determinan risiko kredit Bank Islam: Analisis lintas negara Ash Shidiqie, Jannahar Saddam; Pebruary, Silviana; Nugrohowati, Rindang Nuri Isnaini
Jurnal Kebijakan Ekonomi dan Keuangan Volume 3 Issue 1, Juni 2024
Publisher : Jurusan Ilmu Ekonomi, Fakultas Bisnis dan Ekonomika, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JKEK.vol3.iss1.art5

Abstract

Purpose – This study aims to analyze the influence of bank-specific and macroeconomic factors on credit risk in Islamic banking Methods – The research method used is panel data analysis using Islamic banking data in 10 countries with the largest Islamic financial performance from the first quarter of 2014 to the second quarter of 2023. This study uses three credit risk measurement indicators, namely NPF, COVNPF, and COVTOT. Findings – The results of the study show that bank-specific variables such as total assets, CAR, ROE, BOPO, and Zscore affect the credit risk of Islamic banks. Meanwhile, macroeconomic conditions show that high inflation rates reduce credit risk, but on the other hand, exchange rate depreciation will worsen bad debts in Islamic banks. Implications - The policy implications of this study are that the government needs to control macroeconomic variables and ensure banking health through appropriate and effective regulation and supervision. Originality – This study contributes to analyzing the determinants of credit risk in Islamic banks using three credit risk indicators Abstrak Tujuan – Penelitian ini bertujuan untuk menganalisis pengaruh variable internal bank dan variable makroekonomi terhadap risiko kredit di perbankan Islam Metode – Metode penelitian yang digunakan yaitu analisis data panel dengan menggunakan data perbankan Islam di 10 negara dengan kinerja keuangan Islam terbesar dari kuartal satu tahun 2014 hingga kuartal kedua tahun 2023. Penelitian ini menggunakan tiga indikator pengukuran risiko kredit yaitu NPF, COVNPF, COVTOT. Tumuan – Hasil penelitian menunjukkan bahwa variable internal bank seperti Total asset, CAR, ROE, BOPO dan Zscore mempengaruhi risiko kredit bank Islam. Sementara itu dari kondisi makroekonomi menunjukkan bahwa tingginya tingkat inflasi justru menurunkan risiko kredit namun disisi lain depresiasi nilai tukar akan memperburuk kredi macet di bank Islam. Implikasi – Implikasi kebijakan dari penelitian ini yaitu pemerintah perlu mengendalikan variable makroekonomi dan memastikan kesehatan perbankan melalui regulasi dan pengawasan tepat dan yang efektif. Orisinalitas – Penelitian ini berkontribusi dalam menganalisis determinan risiko kredit di bank Islam menggunakan tiga indikator risiko kredit.
Examining the impact of zakah and Islamic finance on national economic growth Pebruary, Silviana; Isnaini Hani'ah
Jurnal Ekonomi & Keuangan Islam Volume 10 No. 1, January 2024
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol10.iss1.art9

Abstract

Purpose – This study aims to analyze the effect of Islamic financial instruments, including social funds zakah, infak, and sadaqah (ZIS), Islamic financing, Sharia stocks, and corporate sukuk, on economic growth.Methodology – This study uses monthly data from 2013 to 2022 to examine the relationship between ZIS distribution, Islamic bank financing, Islamic stock capitalization, corporate sukuk issuance, and economic growth proxied by the production industry index (IPI). The Vector Error Correction Model (VECM) was utilized.Findings – According to the short-term estimation results, sukuk significantly hinders economic growth, whereas only the ZIS variable has a positive and significant impact. Long-term economic growth is positively impacted by the ZIS and Islamic financing variables, negatively impacted by sukuk, and not significantly impacted by Sharia stock. The Impulse Response Function and Variance Decomposition analysis results also demonstrate that the variables of the Islamic financial sector have a shock effect on Indonesia's economic growth, with ZIS funds making up the majority of the contribution and Sharia stocks the least.Implications – This study will help policymakers, industry, and academia accelerate the Islamic finance sector in Indonesia and strengthen its role in supporting and advancing Indonesia's economic recovery.Originality – Islamic finance, commonly known as Islamic banking–extends beyond Indonesian banks. Non-bank Islamic institutions, including capital markets and social finance, play a vital role in optimizing Islamic financial instruments for national economic growth.
The Role of Manager Behavior in Explaining The Financial Planning and Financial Innovation of Small and Medium Enterprises Ismanto, Hadi; Pebruary, Silviana
Indonesian Journal of Business and Entrepreneurship Vol. 9 No. 1 (2023): IJBE, Vol. 9 No. 1, January 2023
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.9.1.36

Abstract

The major weakness of SMEs is in financial management and marketing. These problems obstruct their growth and ability to plan and innovate their business. This study examines the influence of personality, financial culture, and competence on SMEs' innovation and financial planning. The sample was determined by proportional random sampling repose industry type, and 285 complete data were analyzed. Data were collected through a structured offline questionnaire. A quantitative analysis approach was followed using a structural equation model. The results show that financial planning is an effective mediator of personality, financial culture, and competencies toward financial innovation. Personality and financial culture do not directly affect financial innovation but indirectly affect financial planning. However, competence directly affects financial innovation and indirectly passes through financial planning. This paper argues that SMEs have the potential to overcome economic crises by focusing on how they manage finance innovation and considering determining factors of financial planning and innovation. Finally, this study contributes to the literature on SME financial behavior and factors such as personality, financial culture, and competencies that leads to the recommendation of SME owners/managers to innovate in accessing finance. Keywords: competencies, financial culture, financial innovation, financial planning, personality
ANALYSIS OF TIMELINESS OF FINANCIAL REPORTING COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE Pebruary, Silviana
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 5 No 2 (2021) : Vol.5 No.2 Desember 2021
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v5i2.3741

Abstract

This study aims to analyze the factors that affect the timeliness of financial reporting in manufacturing companies in the transportation subsector listed on the Indonesia Stock Exchange for the 2016-2020 period, based on previous research, these factors are profitability, liquidity, solvency, and size. The type of research carried out is a quantitative approach. Hypothesis testing is carried out using binary logistic regression, which is used because there are variables used in the form of dummy (binary). Logistic regression consists of categories 1 and 0. The results show that profitability, liquidity, and company liquidity have no significant effect on the timeliness of financial statement submission. While solvency has a significant effect on the possibility of timeliness of financial statements.
FACTOR ANALYSIS OF UNDERWRITING SURPLUS OF TABARRU FUND SHARIA LIFE INSURANCE COMPANY IN INDONESIA Pebruary, Silviana; Fabiani Fanda
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 6 No 2 (2022): Volume.6 No. 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v6i2.5162

Abstract

FACTOR ANALYSIS OF UNDERWRITING SURPLUS OF TABARRU FUND SHARIA LIFE INSURANCE COMPANY IN INDONESIA Abstract Purpose: This study aims to analyze the impact of contributions, claims, and investment returns on the surplus underwriting of the tabarru fund in Sharia life insurance companies in Indonesia. Design/methodology/approach: The research employs a multiple regression analysis using the Ordinary Least Square method. The study focuses on Sharia life insurance companies and Sharia business units in Indonesia. Findings: The results indicate that contributions have a positive and significant effect on the underwriting surplus of the tabarru fund. Claims show no significant effect on the tabarru fund guarantee surplus. Investment returns, however, exhibit a negative and significant effect on the tabarru fund guarantee surplus. Simultaneously, contributions, claims, and investment return collectively have a significant impact on the underwriting surplus of the tabarru fund. Higher contribution funds ease claim expenses, increase tabarru fund reserves, and present opportunities for underwriting surplus. Research limitations/implications: This research is limited to Sharia life insurance companies and business units in Indonesia. The findings provide insights into the factors influencing the underwriting surplus of the tabarru fund but may not be universally applicable. Practical implications: The study suggests that companies should focus on controlling the risk of claims to enhance underwriting surplus. Understanding the impact of contributions, claims, and investment returns is crucial for effective financial management in Sharia life insurance companies. Keywords: Contributions, Claims, Investment, Underwriting Surplus. ANALISIS FAKTOR SURPLUS UNDERWRITING DANA TABARRU PERUSAHAAN ASURANSI JIWA SYARIAH DI INDONESIA Abstrak Tujuan: Penelitian ini bertujuan untuk menganalisis dampak kontribusi, klaim, dan hasil investasi terhadap surplus underwriting dana tabarru' pada perusahaan asuransi jiwa Syariah di Indonesia. Desain / metodologi / pendekatan: Penelitian ini menggunakan analisis regresi berganda menggunakan metode Ordinary Least Square. Studi ini berfokus pada perusahaan asuransi jiwa Syariah dan unit usaha Syariah di Indonesia. Kesimpulan: Hasil penelitian menunjukkan bahwa kontribusi berpengaruh positif dan signifikan terhadap surplus underwriting dana tabarru. Klaim menunjukkan tidak berpengaruh signifikan terhadap surplus penjaminan dana tabarru. Hasil investasi, bagaimanapun, menunjukkan pengaruh negatif dan signifikan terhadap surplus penjaminan dana tabarru. Secara bersamaan, kontribusi, klaim, dan hasil investasi secara kolektif memiliki dampak signifikan terhadap surplus underwriting dana tabarru. Dana kontribusi yang lebih tinggi meringankan biaya klaim, meningkatkan cadangan dana tabarru, dan menghadirkan peluang surplus underwriting. Keterbatasan / implikasi penelitian: Penelitian ini terbatas pada perusahaan asuransi jiwa Syariah dan unit bisnis di Indonesia. Temuan ini memberikan wawasan tentang faktor-faktor yang mempengaruhi surplus underwriting dana tabarru, tetapi mungkin tidak dapat diterapkan secara universal. Implikasi praktis: Studi ini menunjukkan bahwa perusahaan harus fokus pada pengendalian risiko klaim untuk meningkatkan surplus underwriting. Memahami dampak kontribusi, klaim, dan hasil investasi sangat penting untuk manajemen keuangan yang efektif di perusahaan asuransi jiwa Syariah. Kata kunci: Kontribusi, Klaim, Investasi, Underwriting Surplus.
PENTINGNYA PERENCANAAN KEUANGAN BAGI GENERASI MUDA UNTUK MASA DEPAN YANG LEBIH BAIK Fitriani, Fitriani; Zaman, Delfian; Azizi, Muhammad; Ismanto, Hadi; Pebruary, Silviana
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 6 No. 1 (2025): Volume 6 No. 1 Tahun 2025
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v6i1.38317

Abstract

Perencanaan keuangan merupakan aspek penting dalam mencapai kesejahteraan finansial jangka panjang, terutama bagi generasi muda yang akan menghadapi tantangan ekonomi yang semakin kompleks. Generasi muda perlu memiliki pemahaman yang baik mengenai cara mengelola keuangan pribadi agar dapat mempersiapkan masa depan yang lebih baik. Artikel ini bertujuan untuk mengkaji pentingnya perencanaan keuangan bagi generasi muda dengan fokus pada pengelolaan pendapatan, pengeluaran, tabungan, dan investasi. Berdasarkan studi literatur terkini, generasi muda sering kali mengabaikan perencanaan keuangan karena kurangnya pengetahuan atau pemahaman yang mendalam mengenai manfaat jangka panjang dari pengelolaan keuangan yang baik. Oleh karena itu, penting untuk meningkatkan literasi keuangan melalui pendidikan dan penyuluhan, serta membangun kebiasaan menabung dan berinvestasi sejak dini. Artikel ini juga membahas berbagai strategi dan alat perencanaan keuangan yang dapat membantu generasi muda dalam mencapai tujuan finansial mereka. Dengan perencanaan keuangan yang baik, generasi muda diharapkan dapat menghindari masalah keuangan di masa depan dan meraih stabilitas finansial yang lebih baik.
Implementing Adaptive Credit Scoring Through Xgboost and Deep Learning in Open Finance for Microcredit Reza Ade Putra; Silviana Pebruary
Start-up and Financial Technology Vol. 1 No. 2 (2025)
Publisher : Start-up and Financial Technology

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70764/gdpu-sft.2025.1(2)-06

Abstract

Objective: This study aims to develop and test the effectiveness of an AI-based adaptive credit scoring system that integrates Open Finance principles and the use of alternative data in assessing microcredit eligibility in emerging markets.Research Design & Methods: This study uses a mixed-methods approach with AI model experiments to test machine learning and deep learning-based adaptive credit scoring systems and thematic analysis to understand implementation challenges and regulatory preparedness.Findings: Hypothetical results show that AI models (XGBoost, Deep Learning) significantly outperform traditional models (logistic regression) in microcredit eligibility assessment, with an AUC improvement of 15-20% (e.g., AUC 0.88 for XGBoost vs. 0.72 for logistic regression). Similar improvements are also seen in Precision, Recall, and F1-score metrics. Adaptivity testing shows a 2-5% increase in model accuracy after each retraining cycle, with the model's ability to dynamically adjust credit scores in real-time to changes in user behaviour. Interpretation of the results through XAI identified consistent utility bill payment patterns, digital wallet transaction frequency, and mobile phone number usage duration as the most influential predictive factors.Implications & Recommendations: Integration of AI and Open Finance with alternative data improves the efficiency and inclusiveness of credit scoring, so it is recommended that industry players and regulators develop data infrastructure, apply Responsible AI principles, and formulate comprehensive and collaborative Open Finance regulations.Contribution & Value Added: This research contributes to the FinTech and AI literature by providing technical and policy guidance to promote financial inclusion by developing adaptive assessment machine and responsible AI oversight in emerging markets.
Co-Authors Ahmad Khoirul Anam Amru Nawawi Anam, Ahmad Khoirul Anang Fanani Ardian Adhiatma Ash Shidiqie, Jannahar Saddam Aulia Zahra Husnil Kamala Aulia Zahra Husnil Kamala Azizi, Muhammad Devi, Sifana Eka Putri Salsabilla Eko Nur Fuad Fabiani Fanda Firda Sari, Lailisa Fitriani Fitriani Hadi Ismanto Isnaini Hani'ah Khasanah Khasanah Khazimatul Aliya Minas Sirotul Fauziah Mohammad Yunies Edward Muhammad Husni Tamrin Muhammad Noor Rois Musyafa' musyafa' Musyafa' Musyafa' musyafa', Musyafa' Nugrohowati, Rindang Nuri Isnaini Reza Ade Putra Rinrin Yuspita Samsul Arifin Shalihul Aziz Widya Irawan Silviana Rizqi Safitri Widiyanto Widiyanto Wiji Lestari Zaman, Delfian