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All Journal Al-Ulum Al-Mizan (e-Journal) Wacana, Jurnal Sosial dan Humaniora Jurnal Akuntansi dan Pajak JOURNAL OF SCIENCE AND SOCIAL RESEARCH Competitive Jurnal Akuntansi dan Keuangan Jurnal Ilmiah Manajemen Kesatuan Jurnal Ilmiah Al-Tsarwah Journal of Technopreneurship on Economics and Business Review (JTEBR) Economics and Digital Business Review Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) JOURNAL SCIENTIFIC OF MANDALIKA (JSM) JSAP : Journal Syariah and Accounting Public Mutawazin (Jurnal Ekonomi Syariah) JURNAL ILMIAH GLOBAL EDUCATION JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Share: Jurnal Ekonomi dan Keuangan Islam Al-Buhuts (e-journal) Golden Ratio of Finance Management Islamic Economics and Finance Journal Journal of Innovation Research and Knowledge Jurnal Riset Rumpun Agama dan Filsafat International Journal of Economics and Management Research Jurnal Manajemen Keuangan Syariah Jurnal bintang manajemen Madania: Jurnal Kajian Keislaman Journal of Islamic Education Management Research (JIEMER) International Journal of Economics and Management Research Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Sri Dewi Yusuf
IAIN Sultan Amai Gorontalo
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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OPTIMALISASI PERAN BANK SYARIAH DALAM MENDUKUNG INKLUSI KEUANGAN SYARIAH DI INDONESIA Miranti Midu; Sri Dewi Yusuf
Journal of Innovation Research and Knowledge Vol. 4 No. 7: Desember 2024
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/jirk.v4i7.9094

Abstract

Penelitian ini menganalisis optimalisasi peran bank syariah dalam mendukung inklusi keuangan syariah di Indonesia, dengan menyoroti tantangan yang dihadapi dan solusi strategis yang dapat diterapkan. Dalam hal inklusi keuangan, bank syariah berperan penting dalam memberikan akses kepada segmen masyarakat yang belum terlayani oleh perbankan konvensional. Meskipun terdapat peningkatan indeks inklusi keuangan, kontribusi sektor keuangan syariah masih terbatas, disebabkan oleh rendahnya literasi dan pemahaman masyarakat mengenai produk syariah. Penelitian ini menggunakan pendekatan komprehensif untuk mengevaluasi kebijakan, inovasi produk, dan kerjasama antara bank syariah dan fintech syariah dalam meningkatkan akses dan pemahaman masyarakat. Hasil penelitian menunjukkan bahwa kolaborasi yang lebih baik, dukungan regulasi dari pemerintah, serta pengembangan produk keuangan yang sesuai dengan prinsip syariah dapat memperluas inklusi keuangan. Kesimpulan dari penelitian ini menyarankan bahwa bank syariah harus lebih aktif dalam menjangkau masyarakat di daerah terpencil dan pedesaan, serta meningkatkan inovasi dalam layanan keuangan untuk mencapai inklusi keuangan syariah yang berkelanjutan di Indonesia.
MEMBER SAVINGS AND NON-PERFORMING LOANS' EFFECT ON BUSINESS CAPITAL PERFORMANCE Syamsu Rijal; Eddy Silamat; Sri Dewi Yusuf; Ariawan Ariawan
International Journal of Economics and Management Research Vol. 2 No. 1 (2023): April : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v2i1.65

Abstract

This study aims to determine the effect of members' savings and non-performing loans on the performance of business capital at KSP Kopdit Pelangi Kasih Bandung. This research uses descriptive research method.And.verification with a quantitative approach. The objects in this study were members of the Kopdit Pelangi Kasih Bandung Savings and Loan Cooperative (KSP) with a total sample of 97 people. The sampling technique used in this research is nonprobability sampling method with purposive sampling technique. Statistical analysis of the data used in this study was multiple linear regression analysis using IBM SPSS statistics 24. The results of the study found that members' savings, non-performing loans and working capital performance at KSP Kopdit Pelangi Kasih Bandung were good. There is a significant influence between members' savings and non-performing loans simultaneously on the performance of working capital at KSP Kopdit Pelangi Kasih Bandung. There is a significant influence between member savings partially on the performance of working capital at KSP Kopdit Pelangi Kasih Bandung. Non-performing loans have no significant effect on the performance of working capital at KSP Kopdit Pelangi Kasih Bandung simultaneously. Therefore this can be used by the cooperative as an evaluation material for the performance results so that it can be taken into consideration for making decisions in improving the performance of venture capital in cooperatives. This research is different from other researchers because there are no other researchers who have examined specifically members' savings and problem loans on business capital performance at KSP Kopdit Pelangi Kasih Bandung, besides that indicators of member savings variables have a greater value and influence than problem credit variables
Comparative Study of Islamic Financial Values at Wahdah Islamiyah Gorontalo City and Baznas Gorontalo City in Serving the Muslim Community in Gorontalo City Saifuddin Podungge; Sri dewi yusuf
International Journal of Economics and Management Research Vol. 4 No. 3 (2025): December : International Journal of Economics and Management Research
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v4i3.502

Abstract

This study aims to compare the application of Islamic financial values in two non-profit institutions serving Muslims in Gorontalo City, namely the Regional Leadership Council (DPD) Wahdah Islamiyah, which is one of the Islamic organizations in Indonesia domiciled in Gorontalo City, and the National Amil Zakat Agency (BAZNAS) Gorontalo City, which is a non-structural government agency. This research uses a descriptive qualitative approach with a literature review technique of research findings that discuss the two institutions. The research found that although both institutions are based on Islamic law in their financial management, the focus of implementation has different characteristics. Wahdah Islamiyah emphasizes the principles of deliberation, trust, justice, and dependence on Allah in the budget decision-making process, while BAZNAS Gorontalo City emphasizes accountability, effectiveness of zakat distribution, and transformation of zakat recipients into zakat givers through the ZMART program. This journal recommends value collaboration between the two institutions to create a more sustainable Islamic financial management system.
Evaluating Financial Performance of Mining Companies Listed on Jakarta Islamic Index Ajuna, Luqmanul Hakiem; Yusuf, Sri Dewi
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 1 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i1.17814

Abstract

In Indonesia, mining companies play a crucial role in supporting government economic initiatives. Consequently, assessing their financial performance becomes vital to ensure their viability and contribution to national economic goals. This study investigates the financial performance of mining companies listed on the Jakarta Islamic Index (JII) from 2017 to 2020. Utilizing purposive sampling, financial statements for four companies were obtained from their official websites, the OJK (Financial Services Authority), and the IDX (Indonesia Stock Exchange). A one-way ANOVA test was employed to compare the financial ratios across these companies. The analysis focused on liquidity, activity, solvency, and profitability ratios. The findings reveal that PT. Adaro Energy Tbk (ANDRO) achieved the highest performance, meeting five out of ten industry standard ratios. PT. Aneka Tambang Tbk (ANTM) and PT. Bukit Asam Tbk (PTBA) followed, each meeting four ratios. PT. Vale Indonesia Tbk (INCO) demonstrated the lowest performance, achieving only two industry standard ratios. This research contributes to the understanding of financial performance variations within the JII's mining sector, highlights areas for potential improvement, and offers valuable insights for investors and policymakers.==============================================================================================================ABSTRAK – Mengevaluasi Kinerja Keuangan Perusahaan Pertambangan yang Terdaftar pada Jakarta Islamic Index. Di Indonesia, perusahaan pertambangan memiliki peran penting dalam mendukung inisiatif ekonomi pemerintah. Konsekuensinya, penilaian kinerja keuangan mereka menjadi vital untuk memastikan kelangsungan hidup dan kontribusi mereka terhadap tujuan ekonomi nasional. Penelitian ini menyelidiki kinerja keuangan perusahaan pertambangan yang terdaftar di Jakarta Islamic Index (JII) dari tahun 2017 hingga 2020. Penelitian ini menggunakan metode purposive sampling untuk memilih empat perusahaan pertambangan yang terdaftar di JII. Laporan keuangan perusahaan diperoleh dari situs web resmi mereka, OJK (Otoritas Jasa Keuangan), dan IDX (Bursa Efek Indonesia). Analisis data menggunakan uji ANOVA satu arah untuk membandingkan rasio keuangan antar perusahaan, dengan fokus pada rasio likuiditas, aktivitas, solvabilitas, dan profitabilitas. Hasil penelitian menunjukkan bahwa PT. Adaro Energy Tbk (ANDRO) mencapai kinerja tertinggi, dengan memenuhi lima dari sepuluh rasio standar industri. Diikuti oleh PT. Aneka Tambang Tbk (ANTM) dan PT Bukit Asam Tbk (PTBA) yang masing-masing memenuhi empat rasio. PT. Vale Indonesia Tbk (INCO) menunjukkan kinerja terendah, hanya mencapai dua rasio standar industri. Penelitian ini memberikan gambaran yang jelas mengenai kinerja keuangan perusahaan pertambangan yang terdaftar di JII. Hasil penelitian ini dapat membantu investor dan pembuat kebijakan dalam mengambil keputusan terkait sektor pertambangan.
Preferensi Dan Literasi Keuangan Masyarakat Serta Dampak Sosial Ekonomi Investasi Bodong : (Studi Kasus Smart Wallet di Kota Gorontalo) Fatmawati Halid; Sri Dewi Yusuf; Yusran Zainuddin
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 6 No. 1 (2025): Januari
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v6i1.2126

Abstract

Investasi bodong semakin populer di kalangan masyarakat terutama dengan munculnya berbagai aplikasi digital seperti Smart Wallet yang menjanjikan imbal hasil yang tidak realistis. Fenomena ini dapat menimbulkan konsekuensi sosial dan ekonomi yang signifikan termasuk kerugian finansial dan krisis kepercayaan di kalangan masyarakat. Tujuan dari penelitian ini adalah untuk mengeksplorasi persepsi dan pengalaman masyarakat Kota Gorontalo terkait dampak investasi bodong melalui aplikasi smart wallet. Penelitian ini menggunakan pendekatan kualitatif dengan desain studi kasus. Data dikumpulkan melalui wawancara mendalam dengan sembilan informan yang dipilih secara purposive. Hasil analisis menunjukkan bahwa investasi bodong tidak hanya menyebabkan hilangnya uang tetapi juga memiliki dampak psikologis yang parah seperti stres dan rasa malu serta menyebabkan rusaknya hubungan sosial dan kepercayaan antar anggota masyarakat. Upaya edukasi keuangan yang lebih diperlukan untuk membuat masyarakat lebih berpengetahuan tentang keuangan dan mencegah investasi bodong. Selain itu, penting bagi para pemangku kepentingan untuk bekerja sama dalam meningkatkan kesadaran dan melindungi masyarakat dari risiko penipuan keuangan. Penelitian ini meningkatkan pemahaman kita tentang investasi bodong dan dampaknya terhadap kesejahteraan sosial dan ekonomi masyarakat.
Fiscal and Monetary Policy Synergy in Support of Indonesia's Macroeconomic Stability Sri Dewi Yusuf; Rismanto Rismanto
COMPETITIVE Vol 9 No 1 (2025): Competitive Jurnal Akuntansi dan Keuangan
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/competitive.v9i1.13895

Abstract

The synergy between fiscal and monetary policy plays an important role in supporting Indonesia's macroeconomic stability. Fiscal policy, which includes the management of the state budget and government spending, and monetary policy, which is managed by the central bank through the regulation of the money supply and interest rates, share the goal of maintaining economic stability. This study aims to explore the interaction between the two policies and analyze how synergies between them can promote sustainable economic growth. In crisis situations such as the COVID-19 pandemic, expansionary fiscal policy and appropriate monetary intervention play an important role in boosting aggregate demand, controlling inflation, and maintaining currency stability. Effective coordination between government and central bank actions is key in facing domestic and global challenges to create a resilient and stable economy.
Pengaruh Sistem Keuangan Non-Bunga terhadap Perkembangan Ekonomi di Gorontalo (Analisis Kualitatif Deskriptif 2020–2024) kurniati kurniati; Sri Dewi Yusuf
JSAP: Journal Syariah and Accounting Public Vol 8, No 2 (2025): Desember 2025
Publisher : Program Studi Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31314/jsap.8.2.125-141.2025

Abstract

Abstract:The financial sector is one of the sectors that can influence regional economic growth and plays an important role in triggering the economic growth of a region. This study aims to see the influence of the non-interest financial system on economic development in Gorontalo. The analytical method used is Principal Component Regression Analysis. The results obtained that the development of the financial sector of Islamic banks and non-interest financial institutions in Gorontalo on the regional economy in the Gorontalo region consisting of financial sector variables, namely assets, the amount of credit disbursed, Third Party Funds and the number of non-interest institutions with legal entities, each of which can positively and significantly influence the increase in regional economic growth in the Gorontalo region. The number of non-interest institutions with legal entities has the most significant influence on the increase in the regional economy in the Gorontalo region. Therefore, as input, suggestions or recommendations, the regional government, monetary authorities and the Financial Services Authority (OJK) in its implementation need to synergize with ministries, banks, domestic institutions to increase the role of the non-interest financial sector, including those related to the formation of physical capital accumulation and the distribution of non-interest credit that has an impact on regional development in the Gorontalo region. Keyword: Islamic finance, Islamic banking, Islamic bank, finance, financial systems, banks, banking system. Abstrak: Sektor keuangan merupakan salah satu sektor yang dapat mempengaruhi pertumbuhan ekonomi regional dan memegang peranan penting dalam memicu pertumbuhan ekonomi suatu daerah. Penelitian ini bertujuan melihat pengaruh sistem keuangan non bunga terhadap perkembangan ekonomi di Gorontalo. Metode analisis yang digunakan ialah Analisis Regresi Komponen Utama. Diperoleh hasil bahwa perkembangan sektor keuangan dari Bank syariah dan lembaga keuangan non bunga di Gorontalo terhadap perekonomian regional di wilayah Gorontalo yang terdiri dari variabel sektor keuangan yaitu aset, jumlah kredit yang disalurkan, Dana Pihak Ketiga dan jumlah lembaga non bunga berbadan hukum yang masing-masing dapat mempengaruhi peningkatan pertumbuhan ekonomi regional di wilayah Gorontalo secara positif dan signifikan. Jumlah Lembaga Non Bunga yang berbadan hukum memiliki pengaruh yang paling signifikan terhadap peningkatan perekonomian regional di wilayah Gorontalo. Oleh karenanya sebagai masukan saran atau rekomendasi maka Pemerintah daerah, otoritas moneter dan OJK dalam pelaksanaannya perlu bersinergi dengan kementerian, perbankan, lembaga domestik guna meningkatkan peran sektor keuangan Non Bunga diantaranya berkaitan dengan pembentukan akumulasi modal fisik dan pemeratan persebaran kredit Non Bunga yang berdampak terhadap pembangunan kewilayahan di wilayah Gorontalo. Kata kunci : Keuangan Islam, Perbankan Islam, Bank Islam, Keuangan, Sistem Keuangan, Bank, Sistem Perbankan.
MENGGUGAT OTENTISITAS KEUANGAN SYARIAH KONTEMPORER: ANALISIS KRITIS BERBASIS MAQASID AL-SHARIAH DAN EKONOMI POLITIK GLOBAL Sri Dewi Yusuf; Ismail Makuta; Sekar Laras Ayu
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 9 No. 4 (2026): August 2026 (1)
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i4.6746

Abstract

This study criticizes the authenticity of contemporary Islamic financial practices through the lenses of maqasid al-shariah and global political economy. While Islamic finance is often positioned as an ethical alternative to conventional finance, a fundamental question arises: do its practices truly represent substantive Shariah principles, or are they merely structural replications of global capitalism with a Shariah label. Using a qualitative-critical method with discourse analysis and a normative maqasid al-shariah approach, this study examines regulatory documents, Islamic banking practices, and political economy literature. The findings reveal that Islamic finance frequently emphasizes formalistic compliance with fiqh (jurisprudence) while neglecting core ethical-social goals like distributive justice, wealth gap reduction, and poverty alleviation. Furthermore, its integration into neoliberal global economics exposes a contradiction between normative rhetoric and empirical reality. In the context of Indonesia and the digital economy, Islamic finance has failed to address structural issues such as automation-driven unemployment, platform economy labor shifts, and unequal digital capital access. The study concludes that Islamic finance requires a paradigm reformulation to avoid becoming a mere variant of financial capitalism, transforming instead into an instrument for a just, sustainable economy
Co-Authors Abdi Ma'rifin Sugeha Adadau, Suleman Adhista Setyarini Ahmad As’at Patilima Ahmad Muhammad Saribi Ajuna, Luqmanul Hakiem Andi Mardiana Ansar Sahabi Ardi, Muhamad Ariawan, Ariawan Aris Setiawan Karim Atim Djazuli Citra Arta, Deddy Novie Dehi, Tenti Eddy Silamat Eddy Silamat Fatmawati Halid H.M. HARRY - SUSANTO Halid, Fatmawati Hendy Tannady Ismail Makuta Iyonu, Mentari Ariesta Judianto, Loso Kasim Yahiji Kude, Nurain Kurniati Kurniati Lestari, Silvana Masita Maryuni Maryuni Maryuni Maryuni Miranti Midu Moch Arif Hernawan Moh. Abdan Syakur Buhungo Moh. Abdan Syakur Buhungo Mohamad Akbar F. Ibrahim Mohamad, Roni Mohammad Taqiuddin Mohamad Mokoagow, Muhamad Muhammad Nur Nurain Kude Nuravifah Bugi Nuravifah Bugi Nuzulya Pahlawi Rahmawati Rauf, Spandi Rifadli D Kadir Rismanto Rismanto Rizal Darwis Roni Mohamad Rosdiana Imroati Kurnia Tanjung Safii, Andriani Saifuddin Podungge Sekar Laras Ayu Sekarrini, Laras Ayu Silvana Masita Lestari Siti Muthi’ah Sudirman Syamsu Rijal Syamsu Rijal Syarifatul Ummah Syawaluddin Syawaluddin Tarape, Moh. Agung Tenti Dehi Ummah, Syarifatul Vany Rolliyta Ansir & Riya Andriyani Ahmad Yusran Zainuddin Yusran Zainuddin Zainuddin, Yusran Zulaeha Zulaeha