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All Journal Jurnal Perbankan Syariah Darussalam (JPSDa) Journal of Shariah Economics
Shelvyna Rikantasari
IAI Al Hikmah Tuban
Religion Economics, Econometrics & Finance Education Social Sciences Other

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STRATEGI INVESTASI GENERASI MILENIAL DALAM MASA PEMULIHAN EKONOMI PASCA PANDEMI COVID 19 Shelvyna Rikantasari; Kholishudin Kholishudin
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 2 No. 2 (2022): Juli 2022
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (192.325 KB) | DOI: 10.30739/jpsda.v2i2.1654

Abstract

The research, entitled Millennial Generation Investment Strategy in the Post-Covid-19 Economic Recovery Period, discusses the strategies used by millennials in carrying out investments. This study uses a descriptive qualitative method where the method looks at the actual phenomena that occur in the community so that the resulting research is classified as new research. The results of this study show that millennials are starting to invest in several ways, namely by preparing emergency funds, diversifying wealth and understanding the risks resulting from each investment instrument. With this strategy, millennials are more careful and careful in choosing various investment instruments. This is also directly related to the economy that existed at the time of the COVID-19 pandemic where at that time the economy in Indonesia and other world countries affected by the pandemic experienced a decline in the wheels of the economy. Therefore, the government makes a new normal policy during the pandemic and makes a policy to increase investment with the aim of revitalizing the wheels of the economy that is happening in Indonesia.
Digital Banking Policies and Regulations For Sharia Banking in Indonesia Siti Anifah; Shelvyna Rikantasari
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 1 (2023): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v5i1.571

Abstract

In accordance with current developments in information technology, the services offered by banks are growing and leading to digital services. The demand for digitization of banking operations is also driven by changes in business life which are now dominated by the millennial generation who prefer the convenience of online transactions through digital platforms. The digital banking transformation process is also accelerated by the emergence of new competitors, such as non-bank financial service providers, often called fintech. The purpose of this research is to find out the regulation of digital banking law in Indonesia and the urgency of digital banking regulations for Islamic banking in Indonesia. The method used is descriptive qualitative with a library research approach to track event log data, which is then used by the author to collect data including sources from previous studies. The results and conclusions of this study are that digital banking provisions have been regulated in the Financial Services Authority Regulation No.12/POJK.03/2018 concerning the Implementation of Digital Banking Services by Commercial Banks. The urgency of establishing digital banking regulations for Islamic banking in Indonesia is the rampant mode of digital crime (Cyber ​​crime) which can disrupt the convenience and security of customer data. This is because there are no regulations that strictly regulate such as laws to specifically regulate Islamic digital banking. Digital banking law is only regulated in OJK Regulations, so it has not been able to overcome problems, especially in the implementation of digital banking for Islamic banking given the weak binding force of these Regulations.
Co-Authors kholishudin, kholishudin Siti Anifah