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BASYTAMA CONCEPTS OF SHARIA FINANCIAL LITERATURE ACCELERATION IN PREPARING EXCELLENT HUMAN RESOURCES BASED ON VILLAGE COMMUNITIES Daffa Redika Fauzi; Fatimah Adzakiyah Shalihah; Prisilia Hadi; Dian Purnomo Jati
Airlangga International Journal of Islamic Economics and Finance Vol. 4 No. 2 (2021): JULY-DECEMBER 2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v4i2.31701

Abstract

Indonesia's Islamic finance sector (Halal Finance) is experiencing rapid growth. In a pandemic situation, Islamic banking grows consistently. It recorded that in 2020, Islamic banking grew by 9.22%. Based on the Islamic Finance Development Index issued by the Islamic Corporation for the Development of the Private Sector (ICD), Indonesia's Islamic finance industry managed to climb to rank two after previously occupying the 4th position. The productive age of the population also has considerable potential to increase the number of Islamic bank customers in Indonesia. This is also becoming more potential because based on data from the Central Statistics Agency in 2019 Indonesia has 83,820 villages. However, on the other hand, based on a survey from the Financial Services Authority (OJK) in 2019, the Islamic financial literacy index of the Indonesian people only reached 8.93%. Based on the potential and existing problems, this study aims to develop a concept of public interest in using Islamic bank products through the Bank Syariah Kita Bersama (Basytama) program which is part of a community empowerment strategy and builds superior human resources through the development of community-based Islamic financial ecosystem institutional aspects. village. This research is based on descriptive qualitative analysis. This is supported by the use of primary and secondary data, in primary data collection we use distributing questionnaires to people and conducting interviews by telephone or virtual conference based on in-depth interviews. contact. In addition, to help support research to obtain more comprehensive and extensive data, we also use secondary data through library research, using various trusted and credible reference sources. The conceptual model of Basytama focuses on aspects of Islamic banking, empowerment, and education in rural communities. We base this concept on Basytama programs such as collecting and distributing funds, collaborating with stakeholders at the village level, opening assistance programs, and researching village potentials through the Basytama Institute so that it is hoped that an increase in the competence and standard of living of the community will be achieved accompanied by an increase in the quality of life. Islamic financial literacy at the village level.
Financial Distress In Diverse Industry Contexts: A Comprehensive Systematic Literature Review Carolina Ety Widjayanti; Sri Lestari; Dian Purnomo Jati
International Journal of Economics, Business and Innovation Research Vol. 3 No. 04 (2024): July, International Journal of Economics, Business and Innovation Research (IJ
Publisher : Cita konsultindo

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Abstract

Financial distress is a critical state affecting businesses across various industry contexts, characterized by significant challenges in meeting financial obligations and maintaining economic stability. This comprehensive systematic literature review (SLR) aims to provide a holistic understanding of financial distress in diverse industry settings, drawing insights from 25 articles published in Scopus-indexed journals between 2018 and 2023. The review identifies key factors contributing to financial distress, explores its impact on business performance and continuity, and discusses the development of predictive models. The findings highlight the importance of financial ratios, regulatory frameworks, risk management practices, and consumer behavior in understanding financial distress. Additionally, this review addresses crucial research questions related to publication trends, significant articles and journals, key contributors, and future research directions. The study emphasizes the need for advanced predictive models and comprehensive regulatory policies to mitigate financial distress and enhance economic resilience
Financial Incentive Policy to Encourage Circular Economy of MSMEs in Rural Areas Sofyana Nurranti; Dian Purnomo Jati
Jurnal Akuntansi, Manajemen dan Ekonomi Vol 28 No 1 (2026): January-June 2026
Publisher : Faculty of Economics and Business, Jenderal Soedirman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.jame.2026.28.1.17338

Abstract

This study aims to analyze various financial incentive policies that can be utilized to promote the implementation of circular economy practices among Micro, Small, and Medium Enterprises (MSMEs) in rural areas. Using a descriptive qualitative approach based on literature review, the research examines the effectiveness of various incentive mechanisms such as tax subsidies, low-interest microcredit, revolving village funds, and public-private partnerships implemented in Indonesia and ASEAN countries. The study also evaluates the challenges faced in the implementation of these policies and identifies the prerequisites for the successful deployment of financial incentives in supporting circular economy innovations among rural MSMEs. Findings indicate that appropriately designed financial incentives not only enhance MSMEs' interest in adopting circular business models but also strengthen multisectoral collaboration toward achieving sustainable rural economic development. This research provides practical recommendations on effective incentive policy design and underscores the crucial role of fiscal policies and institutional collaborations in accelerating the transition to a circular economy.