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All Journal Journal of Management and Social Sciences Al-Muraqabah: Journal of Management and Sharia Business Jurnal Ilmiah Ekonomi dan Manajemen
Dewi Fatmala Putri
Institut Agama Islam Negeri (IAIN) KEDIRI
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Transportation Other

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ANALISIS MANAJEMEN RESIKO PEMBIAYAAN PEER TO PEER LENDING (P2PL) FINTECH SYARIAH (STUDI KASUS PADA PT ALAMI SYARIAH) Dewi Fatmala Putri; Zuraidah Zuraidah
Journal of Management and Social Sciences Vol. 1 No. 4 (2022): November : Journal of Management and Social Sciences
Publisher : Sekolah Tinggi Ilmu Administrasi Yappi Makassar Jl. Sumba no 46, Kota Makassar, Sulawesi Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (216.74 KB) | DOI: 10.55606/jimas.v1i4.62

Abstract

One form of progress in the current financial sector is evidenced by the adaptation of Fintech, which stands for sharia P2PL Financial Technology. Financial institutions in carrying out their activities cannot be avoided what is called risk. That's why to gain profit and customer trust, financial institutions are required to have good risk management, especially fintech companies that offer convenience and efficiency in transactions, so they will be very vulnerable to various types of risks in the financing process that can affect the sustainability of the fintech itself. fintech companies, before channeling financing to potential recipients of funds, also need to be able to pay attention to various risks that may arise, both predictable and not, and also have techniques for mitigating risks from all possibilities that may occur in the future, so there is a need for strategic steps and ways to minimize existing risks. This type of research is empirical and uses a qualitative approach with secondary data source. From the explanation, it can be said that PT ALAMI Sharia has carried out Sharia fintech P2PL transactions that are following existing economic principles starting from the identification of potential recipients of funds, analysis carried out by PT ALAMI and risk mitigation carried out by PT ALAMI Syariah.
Penciptaan Peluang Bisnis Melalui Inovasi Lahan Produktif dimasa Pandemi Covid -19 Choiru Umatin; Dewi Fatmala Putri; Mochamad Nasichin Al Muiz
Al-Muraqabah: Journal of Management and Sharia Business Vol. 1 No. 1 (2021): Al-Muraqabah: Journal of Management and Sharia Business
Publisher : Sharia Business Management Study Program, Faculty of Economics and Islamic Business at IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (324.231 KB) | DOI: 10.30762/almuraqabah.v1i1.149

Abstract

The Covid-19 virus, which has spread in various countries in the world, is one of the causes of the recent economic downturn. Many people have experienced an economic downturn and have even lost their jobs due to company cuts in the number of employees. The Covid-19 virus also has not shown any signs of ending soon and even based on the monitoring of the Covid-19 Task Force, PDP cases are likely to increase. Therefore a strategy is needed to get around the current economic downturn in our country. One of them is by creating business opportunities through innovative productive yards to coincide with the Covid-19 pandemic. This research was conducted in Padangan Village using qualitative methods with data collection techniques such as observation, interviews, and documentation. By utilizing productive yards adapted to environmental conditions, it will be able to support the community's economy.
Perkembangan Utang Luar Negeri Indonesia Tahun 2019 Sampai 2023 Berjalan Widya Ratna Sari; Andriani; Faricha Lita Nabbila; Dewi Fatmala Putri
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2023): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i4.293

Abstract

The purpose of writing is to determine the development of Indonesia's foreign debt from 2019 to 2023. The method applied in this research is a descriptive method with a qualitative descriptive research type, which utilizes a literature study approach. The data source used in this research is secondary data. Discussion Results: the development of Indonesia's foreign debt shows a fluctuating trend, with special attention in 2020 Indonesia's foreign debt increased, this was triggered by spending for handling the Covid-19 pandemic. Nevertheless, Indonesia's debt ratio is still within safe limits and the structure of Indonesia's foreign debt is still considered healthy, although several studies show that the relationship between the debt/GDP ratio is an early indicator of a bad economy. Therefore, joint synergy is needed in efforts to strengthen coordination between Bank Indonesia and the government sustainably to minimize risks that could affect economic stability.
Analisis Manajemen Risiko Operasional Pada Bank Syariah Indonesia (BSI) Pasca Merger Faricha Lita Nabbila; Andriani; Dewi Fatmala Putri; Widya Ratna Sari
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2023): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i4.306

Abstract

This research is motivated by the existence of risks at Bank Syariah Indonesia. Under these conditions, the Bank evaluates and strengthens risk management tools to maintain business quality and the bank's health level. One component of operational risk is the efficiency ratio or what is called the Operational Expenses to Operating Income (BOPO) ratio. The aim of this research is to examine in depth the implementation of operational risk management at BSI which can influence the BOPO ratio at BSI. This research uses a qualitative research approach. The data in this research uses secondary data or literature study. Secondary data obtained came from the official BSI website, books, journals and articles related to research. The data analysis technique used is the Miles and Huberman model of qualitative data analysis techniques. The result of this research is that operational risk management at BSI has been implemented effectively. This is proven by the BSI BOPO ratio from 2021 continuing to decline.
PROBLEMATIKA KETIMPANGAN EKONOMI DALAM SISTEM EKONOMI DI INDONESIA Dewi Fatmala Putri; Andriani; Widya Ratna Sari; Faricha Lita Nabbila
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2023): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i4.330

Abstract

Ketimpangan ekonomi di Indonesia menjadi isu kritis dalam pembangunan ekonomi. Meskipun pertumbuhan ekonomi pesat membawa manfaat, dampak ketimpangan semakin meningkat. Jurnal ini mengeksplorasi aspek ketimpangan ekonomi dalam sistem ekonomi Indonesia, mencakup faktor penyebab, upaya penanggulangan pemerintah, dan rekomendasi kebijakan. Melalui kajian teoritis, jurnal ini menjelaskan sistem ekonomi Pancasila yang menekankan keadilan sosial dan pemerataan. Metode penelitian yang digunakan adalah deskriptif kualitatif dengan data dari literatur, berita, dan regulasi terkait. Pembahasan menyoroti kompleksitas ketimpangan ekonomi, tantangan, dan solusi dalam konteks ekonomi Pancasila. Analisis mencakup peran sistem ekonomi dalam mencapai tujuan nasional, seperti kekeluargaan, kebersamaan, dan keseimbangan kemajuan. Dengan mempertimbangkan situasi Yogyakarta sebagai studi kasus, temuan menunjukkan ketidaksetaraan yang masih tinggi, terutama di wilayah perkotaan. Data rasio Gini memperlihatkan adanya peningkatan ketimpangan, terutama di perkotaan, dengan Yogyakarta sebagai provinsi dengan tingkat ketimpangan tertinggi.
ANALISIS PERLINDUNGAN NASABAH BSI TERHADAP KEBOCORAN DATA DALAM MENGGUNAKAN DIGITAL BANKING Dewi Fatmala Putri; Andriani; Widya Ratna Sari; Faricha Lita Nabbila
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2023): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i4.331

Abstract

Meningkatnya serangan siber di sektor keuangan menunjukkan bahwa perlindungan nasabah menjadi krusial. Terdapat risiko keamanan seperti phishing, malware, dan gangguan layanan, yang dapat merugikan nasabah dan mengancam kepercayaan terhadap institusi perbankan. Analisis perlindungan nasabah BSI melibatkan pemahaman terhadap kebijakan keamanan, respons terhadap serangan siber, dan kebijakan perlindungan data nasabah. Metode penelitian yang digunakan adalah deskriptif kualitatif, dengan pengumpulan data melalui literatur, berita, wawancara, dan pengamatan langsung. Pembahasan melibatkan analisis layanan digital BSI, risiko keamanan, perlindungan hukum nasabah, dan protokol keamanan yang diterapkan oleh BSI. Hasil penelitian menyoroti pentingnya peningkatan ketangguhan terhadap serangan siber dan infrastruktur teknologi informasi yang handal. Kajian literatur mencakup perlindungan konsumen, digital banking, dan layanan keuangan digital. Perlindungan konsumen diatur oleh Undang-Undang Nomor 8 Tahun 1999, sementara digital banking dan layanan keuangan digital memberikan efisiensi dan aksesibilitas yang luas.
Co-Authors Andriani Choiru Umatin Faricha Lita Nabbila Mochamad Nasichin Al Muiz Widya Ratna Sari Zuraidah Zuraidah