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Resisting Financial Predation: A Community-Based Financial Literacy Strategy to Mitigate Illegal Investment Risk in Coastal Indonesia Shalihah, Mar'atun; Amin, Deny Yarusain; Yaman, Afdhal; Waluyo, Bambang; Ningsih, Tri Fitria
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 17, No 1 (2025)
Publisher : Faculty of Sharia and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i1.45438

Abstract

This study develops a financial literacy–based strategy to mitigate illegal investment risks in vulnerable coastal communities using a Financial Vulnerability Index (IKF) and a Multi-Criteria Decision-Making (MCDM) approach integrating AHP and TOPSIS. Conducted in three Central Maluku villages, the IKF combines economic vulnerability, financial literacy, and access to finance. Findings show Wailulu and Asilulu as highly vulnerable (IKF > 0.90), while Tulehu is more resilient. AHP-TOPSIS results rank community-based training as the most effective strategy, followed by local media literacy and fishermen cooperative engagement. These findings validate the Community-Embedded Literacy Delivery Model (CELDM), highlighting the effectiveness of localized, participatory approaches. The study informs inclusive and adaptive financial literacy policies targeting high-risk populations. Abstrak:Penelitian ini mengembangkan strategi mitigasi investasi ilegal berbasis literasi keuangan bagi komunitas pesisir rentan dengan menggabungkan Indeks Kerentanan Finansial (IKF) dan pendekatan MCDM (AHP-TOPSIS). Studi dilakukan di tiga desa di Maluku Tengah, dengan IKF mencakup dimensi kerentanan ekonomi, literasi keuangan, dan akses keuangan. Wailulu dan Asilulu tergolong sangat rentan (IKF > 0,90), sementara Tulehu lebih tangguh. Hasil AHP-TOPSIS menunjukkan pelatihan komunitas sebagai strategi paling efektif, diikuti kampanye media lokal dan kemitraan koperasi nelayan. Temuan ini menguatkan Model Penyampaian Literasi Berbasis Komunitas (CELDM), dan memberikan dasar bagi kebijakan literasi keuangan yang inklusif dan kontekstual.
PENDIRIAN KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH PESANTREN LUHUR SABILUSSALAM Fatah, Dede Abdul; Waluyo, Bambang; Muchtasib, Ach. Bakhrul Muchtasib; Syafrida, Ida; Hasanah, Nurul
Mitra Akademia: Jurnal Pengabdian Masyarakat Vol 4 No 1 (2021): Mitra Akademia: Jurnal Pengabdian Masyarakat
Publisher : Pusat Penelitian dan Pengabdian kepada Masyarakat (P3M) Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/mapnj.v4i1.3834

Abstract

Abstract This community service aims to provide knowledge about Islamic cooperatives and to provide assistance and economic empowerment for Sabilussalam Islamic boarding school through the establishment of Islamic Saving–Loan and Financing Cooperatives. Besides, this community service is also one of the Jakarta State Polytechnic (PNJ) real contributions initiated by the Islamic Finance and Banking study program. Islamic Saving–Loan and Financing Cooperatives (KSPPS) is one of the microfinance institutions (LKM) that can serve the needs of the community of micro and small businesses. This institution is able not only to realize the establishment of good systems, methods, techniques and outputs but also to ensure the economic equilibrium within the community. Simultaneously, KSPPS has also become a forum for community synergy and the creation of local wisdom. The local wisdom in question is how to prepare a development infrastructure based on local community participation which has no permanent dependency on aid both from the government and others. The implementation of KSPPS is carried out based on the existing sharia and cooperative rules which do not contradict the sharia law. The power of this spiritual and social values from KSPPS has become a strength for sharia-based cooperatives compared to conventional savings and loan cooperatives. This community service program will be carried out using a method approach as follows; preparation, learning and the establishment of Islamic Saving–Loan and Financing Cooperatives. This community service has greatly assisted Sabilussalam Islamic boarding school in the establishment of Islamic Saving–Loan and Financing Cooperative (KSPPS) which can help the economic independence of the boarding school administrators and the surrounding community.   Keywords –mentoring, counseling, establishment, Islamic saving-loan and financing cooperatives, KSPPS   Abstrak Pengabdian masyarakat ini  bertujuan memberikan wawasan tentang koperasi syariah  bagi  pondok pesantren Sabilussalam, serta memberikan pendampingan dan pemberdayaan ekonomi melalui pendirian Koperasi Simpan Pinjam dan Pembiayaan Syariah. Disisi lain pengabdian masyarakat ini  sebagai kontribusi nyata Politeknik Negeri Jakarta dalam hal ini program studi Keuangan dan Perbankan Syariah. Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) yang merupakan lembaga keuangan mikro (LKM) yang mampu melayani kebutuhan masyarakat pelaku usaha mikro dan kecil. Lembaga ini mampu mewujudkan terbangunnya sistem, metode, teknik dan output yang baik dan perimbangan kekayaan yang tidak hanya berada pada segolongan masyarakat. Secara simultan, KSPPS juga menjadi wadah sinergi masyarakat dan manciptakan kearifan lokal. Kearifan lokal yang dimaksud adalah bagaimana menyiapkan infrastruktur pembangunan berbasis partisipasi masyarakat lokal, yang tidak memiliki ketergantungan permanen pada bantuan, baik dari pemerintah maupun yang lain. Pelaksanaan KSPPS dilakukan dengan bersandar kepada aturan syariah dan aturan koperasi yang ada selama tidak bertentangan dengan hukum syariah. Kekuatan nilai-nilai spiritual dan sosial dari KSPPS ini menjadi kelebihan koperasi berbasis syariah dengan koperasi simpan pinjam konvensional. Dalam menjalankan program pengabdian ini akan dilakukan dengan melakukan pendekatan metode; persiapan, pembelajaran, dan pendirian koperasi simpan pinjam dan pembiayaan syariah. Pengabdian masyarakat ini sangat membantu pondok pesantren Sabilussalam dalam pendirian Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) yang dapat membantu kemandirian ekonomi pengurus pesantren dan masyarakat sekitar.   Kata kunci –pendampingan, penyuluhan, pendirian, koperasi simpan pinjam dan pembiayaan syariah, KSPPS
Application of Customary Law in the Indonesian Criminal Law Framework after the Enactment of Law Number 1 of 2023 concerning the Criminal Code Riyanto, Riyanto; Waluyo, Bambang; Harefa, Beniharmoni
Journal of Progressive Law and Legal Studies Том 3 № 02 (2025): Journal of Progressive Law and Legal Studies
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jplls.v3i02.1540

Abstract

Law of the Republic of Indonesia Number 1 of 2023 concerning the Criminal Code (New Criminal Code) was finally passed as a substitute for the old Criminal Code or Law Number 1 of 1946 concerning Criminal Law Regulations; in the new Criminal Code, several articles have received pros and cons in the community, one of which is related to the inclusion of articles on laws that live in society (Customary Law). The purpose of this study is to examine and analyze carefully the role of customary Law in the specifics of criminal Law after its inclusion in the new Criminal Code so that we can find out about its position as a law that was once known as unwritten Law into written Law. The legal research method used is normative juridical legal research, which is conducted on library materials using the statute, conceptual, case, and historical approaches. The results of the research that the author has obtained that the Law that lives in the community (Customary Law) in the specific criminal Law in the new Criminal Code will be made a Government Regulation (PP) as the implementation of the regulation so that it can be used as a guideline for the Regional Government in making Regional Regulations (PERDA) on the Law that lives in the community (Customary Law) and researchers also provide the concept of applying the Law that lives in the community (Customary Law) with the approach of the principle of restorative justice for law enforcement officials in carrying out their duties as representatives of the state related to the process of enforcing customary criminal Law.
The Effectiveness of Resolving Money Laundering Cases from Predicate Crime Customs Crimes with Cumulative Indictments Mutaqin, Fadzal; Waluyo, Bambang
Journal of Law, Politic and Humanities Vol. 5 No. 5 (2025): (JLPH) Journal of Law, Politic and Humanities
Publisher : Dinasti Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jlph.v5i5.2036

Abstract

Corresponding Author: Customs crimes have become increasingly prevalent in Indonesia and have caused significant losses to the state. An effective approach to address this issue is by combining them with money laundering offenses through cumulative charges. The objective of this research is to examine the effectiveness of resolving customs and money laundering cases using cumulative charges. This study adopted a normative juridical method, utilizing the statute approach, the conceptual approach, and the case approach. The research relied on secondary data, which included primary, secondary, and tertiary legal sources. The data were analyzed using a descriptive analysis method. The results of this study showed that, in handling customs crime and money laundering cases, it is more appropriate to use cumulative indictments because this provides several advantages, including establishing customs crime as a predicate crime, recovering state losses, and ensuring effectiveness and efficiency in case resolution in court following the principles of uncomplicated, timely, and affordable justice. This was evidenced by Decision Number 580/Pid.B/2022/PN Btm, which applied cumulative indictments and in which the judge declared the defendant guilty of smuggling and money laundering
PROSPEKTIF GANJA INDONESIA PROSPEKTIF GANJA INDONESIA UNTUK KEPENTINGAN PELAYANAN KESEHATAN Tomi Gumilang, Singgih; Waluyo, Bambang; Harefa, Beniharmoni; Hartono, Teguh; Novyana, Hilda
Esensi Hukum Vol 5 No 1 (2023): Juni - Jurnal Esensi Hukum
Publisher : Fakultas Hukum Universitas Pembangunan Nasional "Veteran" Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35586/esensihukum.v5i1.216

Abstract

Pemanfaatan ganja untuk kepentingan pelayanan kesehatan di Indonesia masih terbentur ketentuan Pasal 8 ayat (1) dan Penjelasan Pasal 6 ayat (1) huruf a Undang-Undang Narkotika, walaupun Komisi Narkotika PBB telah mengeluarkan ganja dari daftar narkotika paling berbahaya karena memiliki manfaat medis. Penelitian hukum normatif dengan pendekatan undang-undang dan kasus nyata, menemukan bahwa kebijakan kriminal Negara Republik Indonesia yang lebih mengedepankan pendekatan pemidanaan terhadap pemanfaatan ganja daripada aspek keadilan restoratif, perlu dievaluasi. Sehingga mendesak segera dilakukan dekriminalisasi terhadap pemanfaatan ganja untuk kepentingan pelayanan kesehatan dengan pembaharuan hukum terkait pengaturan ganja yang dipandang sudah tidak sesuai lagi, yaitu dengan cara mereformulasi Undang-Undang Narkotika dan peraturan pelaksanaanya, sehingga prospektif ganja Indonesia dapat diberdayakan untuk sebesar-besar kepentingan masyarakat di bidang kesehatan maupun industri medis tanpa harus melakukan impor dari luar negeri.
ANALISIS KINERJA KEUANGAN LEMBAGA AMIL ZAKAT NASIONAL YAKESMA DENGAN MODEL INTERNATIONAL STANDARD OF ZAKAT MANAGEMENT (ISZM) DAN ALLOCATION TO COLLECTION RATIO (ACR) PERIODE 2019-2023 Safira, Elza Dwi; Waluyo, Bambang; Fatah, Dede Abdul
Indonesian Journal of Economy, Business, Entrepreneuship and Finance Vol. 5 No. 2 (2025): Indonesian Journal of Economy, Business, Entrepreneuship and Finance
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ijebef.v5i2.260

Abstract

This study aims to analyze the financial performance of the National Amil Zakat Institute (LAZNAS) YAKESMA during the 2019–2023 period using two evaluation models, namely the International Standard of Zakat Management (ISZM) and the Allocation to Collection Ratio (ACR). The three main aspects analyzed include the efficiency, capacity, and financial effectiveness of the institution. This study uses a quantitative descriptive approach with secondary data in the form of financial statements and annual performance reports of LAZNAS YAKESMA. The results show that in terms of efficiency, the program load ratio has experienced a positive upward trend, while the ratio of operational and collection expenses is relatively stable and still within efficient limits. In terms of capacity, the growth of key receipts and program expenses showed excellent performance, although the working capital ratio was still below the ideal standard. Meanwhile, in terms of effectiveness, most ACR ratios showed significant improvements to reach the very effective category in 2022–2023. Thus, LAZNAS YAKESMA is considered to be able to distribute zakat funds optimally to mustahik. This research is expected to be a reference for other zakat institutions in evaluating and improving financial performance professionally and transparently.
Analisis Persepsi, Perilaku Dan Preferensi Masyarakat Terhadap Minat Menjadi Nasabah Bank Syariah Waluyo, Bambang; Ameliasari, Fitri; Sixpria, Nedsal
Account: Jurnal Akuntansi, Keuangan dan Perbankan Vol. 10 No. 2 (2023): EDISI DESEMBER 2023
Publisher : Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/account.v10i2.5948

Abstract

Indonesia is a Muslim-majority country, but the market share of Islamic banks in Indonesia is still low. Researchers have conducted pre-research to see how the perception and behavior of the merchant community in Pasar Parung towards Islamic banks. The pre-research shows differences in traders' perceptions of Islamic banks. In addition, there are also diverse behaviors and preferences toward Islamic banks. This study aims to analyze the influence of perceptions, behaviors, and preferences of the merchant community in Pasar Parung on interest in becoming Islamic bank customers. The study used quantitative data analysis methods. The research used a validity test, reliability test, and multiple linear regression analysis. The results showed that the perception of the merchant community influenced the interest in becoming Islamic bank customers. In contrast, the behavior of the merchant community did not affect the interest in becoming Islamic bank customers. The preferences of the merchant community affect the interest in becoming customers of Islamic banks. Simultaneously, perceptions, behaviors, and preferences affect the interest in becoming a customer of Islamic banks. Based on research shows that the public still needs Islamic banking education. Islamic banks are also expected to improve their quality performance to support the success of their operations to attract public interest to become customers of Islamic banks. Keywords: Perception, Behavior, Preferences, Interests, Islamic Bank
Perbandingan Kinerja Instrumen Investasi Berbasis Syariah dengan Konvensional di Pasar Modal Indonesia Syafrida, Ida; Aminah, Indianik; Waluyo, Bambang
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 6 No. 2 (2014)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v6i2.1230

Abstract

The Performance Comparation between sharia instrument performance and conventional syariah The main objective of investors in investment activities is to get the profit. Similarly, investors in Islamic investment activities want the same things. But often the performance of sharia instruments deemed lower than conventional instruments, so market share Sharia-compliant investment instruments is still minimal. This research doing comparation performance index and mutual fund index between shariah based and conventional based. Based on the results of research that takes samples Islamic instruments of capital markets such as sharia Islamic stocks and sharia mutual funds, it is concluded that the performance of sharia-based investment instruments are not significantly different from the conventional investment instruments, even during the period of research Islamic investment instruments showed slightly better performance.  DOI:10.15408/aiq.v6i2.1230
ELABORASI PENYUSUNAN LAPORAN KEUANGAN KONSOLIDASI KE DALAM NILAI SYARIAH ISLAM Waluyo, Bambang; Masjono, Ali
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 4 No. 2 (2012)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v4i2.2574

Abstract

This study aimed to obtain a design of the process of preparing the consolidated financial statements associated with syariah values in Islam, especially the value of fairness and honesty. The consolidated financial statements are designed to present the results of operations and financial position of the company and its subsidiaries. In the process, it will be clearly seen an effort to avoid injustice and dishonesty, because things are "suspected" as potentially able to "cheat" its readers in a way the elimination of the efect through adjusting entries and elimination. So that these process will be in accordance with the Quran and the HadithDOI: 10.15408/aiq.v4i2.2574
Legal Protection For Victims Of Sexual Violence In Legal Abortion Services Japono, Saskia Salsabila; Waluyo, Bambang
Journal of Law, Politic and Humanities Vol. 6 No. 1 (2025): (JLPH) Journal of Law, Politic and Humanities
Publisher : Dinasti Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jlph.v6i1.2555

Abstract

This study aims to examine legal regulations that guarantee protection for victims of sexual violence in Indonesia, including the fulfillment of women's rights to obtain legal abortion services due to pregnancy resulting from sexual violence. The background of this study is based on the limited access of victims to safe abortion services despite being regulated in legislation. This study is important to assess the gap between legal norms and practices in the field in protecting victims. The method used is normative juridical with analysis of laws and regulations and other legal norms through literature study. The results of the study show that although Law Number 12 of 2022 concerning Sexual Violence Crimes, the Health Law, and the new Criminal Code have provided a legal basis for victims to access safe abortions, their implementation is still hampered by limited facilities, social stigma, and a lack of understanding among officials and medical personnel. In conclusion, it is necessary to strengthen the implementation of regulations and increase the understanding of stakeholders. The novelty of this research lies in its comprehensive analysis of the relationship between victim protection regulations and the implementation of legal abortion in Indonesia.