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All Journal Signifikan : Jurnal Ilmu Ekonomi Economic Journal of Emerging Markets IJIBE (International Journal of Islamic Business Ethics) PROSIDING SEMINAR NASIONAL CENDEKIAWAN Dinamisia: Jurnal Pengabdian Kepada Masyarakat Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik Jurnal Ekonomi Bisnis Indonesia Dinasti International Journal of Education Management and Social Science Community Empowerment Mattawang: Jurnal Pengabdian Masyarakat El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Journal of Social Research Jurnal Ekonomi Trisakti PENANOMICS: INTERNATIONAL JOURNAL OF ECONOMICS Media Riset Akuntansi Auditing & Informasi Media Ekonomi Dharma Ekonomi Enrichment: Journal of Multidisciplinary Research and Development Dirkantara Indonesia International Journal of Economics and Management Sciences International Journal of Economics, Management and Accounting Green Inflation: International Journal of Management And Strategic Business Leadership
Eleonora Sofilda
Universitas Trisakti
Arts Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Public Health Social Sciences Other

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Regulating Buy Now Pay Later (BNPL) in Asean: a Comparative Analysis on Regulatory Challenges and Opportunities Luci Irawati; Muhammad Zilal Hamzah; Eleonora Sofilda
International Journal of Economics, Management and Accounting Vol. 1 No. 4 (2024): December : International Journal of Economics, Management and Accounting
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijema.v1i4.227

Abstract

This study provides a comparative analysis of the regulatory frameworks governing Buy Now Pay Later (BNPL) services across ten ASEAN countries: Indonesia, Malaysia, Singapore, Thailand, the Philippines, Laos, Brunei Darussalam, Vietnam, Myanmar, and Cambodia. As BNPL services rapidly expand throughout the region, understanding the diverse regulatory landscapes and their implications becomes increasingly critical for fostering financial stability, consumer protection, and innovation in the digital financial ecosystem. Utilizing a literature review methodology, the research examines existing regulations, legal frameworks, and market trends, assessing their impact on financial stability, consumer protection, and fintech innovation. Singapore is identified as the leader in regulatory practices, effectively balancing fintech innovation with stringent consumer protection. Indonesia and Malaysia emphasize financial inclusion and systemic risk management, with Indonesia's framework focusing on transparency and financial literacy. Thailand and the Philippines are refining their frameworks, while Myanmar, Laos, Brunei, Vietnam and Cambodia are still developing their regulatory approaches. BNPL services, driven by growing e-commerce and fintech ecosystems, offer significant opportunities for financial inclusion but also pose challenges related to over-indebtedness, credit risk, and data protection. The analysis emphasizes that while BNPL presents significant opportunities for financial inclusion and fintech innovation, effective regulation is critical to ensuring sustainable growth and protecting consumers from debt traps and financial instability.
Fiscal Policy in Maritime Economics: Implications for Growth and Sustainability Mudakir Mudakir; Muhammad Zilal Hamzah; Eleonora Sofilda
Green Inflation: International Journal of Management and Strategic Business Leadership Vol. 1 No. 3 (2024): August : Green Inflation: International Journal of Management and Strategic Bus
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/greeninflation.v1i3.52

Abstract

This research explores the impact of fiscal policies on maritime economics, focusing on macroeconomic stability, sector-specific resilience, and sustainability initiatives within maritime industries. Through qualitative analysis and expert perspectives, the study examines how fiscal interventions influence economic growth, address regional disparities, and promote environmental stewardship in maritime sectors. Key findings highlight the effectiveness of fiscal tools in stabilizing economic fluctuations, fostering innovation, and enhancing industry competitiveness. Challenges such as regulatory complexities, uneven distribution of fiscal benefits, and the need for enhanced fiscal transparency are also discussed. The research underscores the importance of tailored fiscal strategies that support inclusive growth, sustainable development, and global competitiveness in maritime economies.
The Design Model of Halal Product Assurance Implementation Dewi, Nur Diana; Hamzah, Muhammad Zilal; Sofilda, Eleonora
IJIBE (International Journal of Islamic Business Ethics) Vol 8, No 1 (2023): March 2023
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.8.1.69-82

Abstract

The majority of Indonesia's population is Muslim in the amount 87.21% of a total of 237 million people. However, this is not directly proportional to the lack of halal product certification in Indonesia. The study aims to determine the implementation of halal product assurance certification in Indonesia by analyzing the Indonesia and Malaysia certification without neglecting the readiness of LPPOM MUI and BPJPH in facing changes to the halal certification regulations of JPH Law. The research method was the interview and FGD techniques. The data was processed by NVivo 12. The implication of this research shows that the JPH Law can organize effectively with the hard work of BPJPH to synergize the stakeholders. The implementation model of halal product assurance adjusted to the strategy and work plan for JPH by emphasizing the increasing stakeholder involvement, G2G Cooperation, and SME Development.
Evaluating Market Structure, Firm Behavior, And Sustainability In The Maritime Industry Using Scp Framework Hesti Ekawati; Muhammad Zilal Hamzah; Eleonora Sofilda; Ahmad Ahmad
Dharma Ekonomi Vol. 31 No. 2 (2024): DHARMA EKONOMI
Publisher : sekolah Tinggi Ilmu Ekonomi Dharmaputra Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59725/de.v32i1.120

Abstract

The maritime industry plays a critical role in global trade but faces growing pressure to integrate environmental sustainability into its operations. This research analyzes the industry using the Structure-Conduct-Performance (SCP) framework to understand the relationship between market structure, firm behavior, and both economic and environmental performance. The study provides original value by extending the traditional SCP model to include environmental sustainability, addressing a critical gap in previous research. Key research questions include how market concentration, regulatory compliance, corporate environmental responsibility (CER), and technological innovation affect both profitability and sustainability. Using qualitative data from industry professionals and maritime educators, the analysis highlights that proactive regulatory compliance and high CER commitment drive superior economic and environmental outcomes. Firms that invest in green technologies enjoy enhanced performance, while those prioritizing short-term profits struggle with long-term competitiveness. The results offer practical insights for policymakers and industry leaders, emphasizing the need for inclusive market structures and stronger regulatory frameworks to support sustainability across the sector.
Enhancing Financial Literacy to Achieve Economic Independence: Meningkatkan Financial Literacy Untuk Mewujudkan Kemandirian Ekonomi Sofilda, Eleonora; Hariyanti, Dini; Wahyuni, Lidia
Mattawang: Jurnal Pengabdian Masyarakat Vol. 5 No. 3 (2024)
Publisher : Yayasan Ahmar Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.mattawang2921

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are the backbone of the Indonesian economy, contributing significantly to GDP and employment absorption. Despite strong government support, many MSMEs still face major challenges, particularly in terms of low financial literacy, which hampers their ability to manage their businesses effectively. This Community Service Program (PkM) aims to enhance the financial literacy and managerial skills of Rufata MSMEs, located in Gudang Sarinah Pancoran, South Jakarta, through training tailored to their specific needs. The methods used in this PkM include needs identification, training program planning, interactive training implementation, and evaluation of the training’s effectiveness. The training was designed to improve the managerial and financial management capabilities of Rufata MSMEs, focusing on cash management, financial recording, and business decision-making. The program was attended by 20 participants and conducted in sessions that combined theory with practice, including case studies and simulations. The results of this PkM activity showed a significant improvement in the participants' understanding and skills in managing their business finances. Evaluation results through pre-test and post-test indicated an increase in scores from 40%-60% to 85%-100% after the training. Additionally, continued support such as consultations and mentoring helped participants face challenges after the training, improving the productivity and operational efficiency of Rufata MSMEs. Overall, this comprehensive approach to training proved effective in enhancing the performance of Rufata MSMEs and is expected to contribute more significantly to the national economy.
A Literature Review of Transportation Logistics Policy Models in the Nusantara Capital City Region to Support National Economic Growth Agus Susanto, Eko; Hamzah, Muhammad Zilal; Sofilda, Eleonora
Dinasti International Journal of Education Management And Social Science Vol. 6 No. 1 (2024): Dinasti International Journal of Education Management and Social Science (Octob
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijemss.v6i1.3347

Abstract

The purpose of this study is to review and analyze several previous studies theoretically related to 1) The impact of Logistics Transportation Policy and spillover effects on National Economic Growth, 2) Some problems from the implementation of the Logistics Transportation Policy in a region, 3) Logistics Transportation Policy Model that can support National Economic Growth. The method used uses qualitative research, exploratory or interpretative systems with a systematic deductive process (Top-Down), guided by some empirical evidence obtained from the author's experience in the field of transportation and logistics, as well as qualitative interactions with several stakeholders and previous research. The results found are 1) in some countries, logistics policies have succeeded in having a positive impact on regional and national economic growth, 2) the ineffectiveness of a logistics policy is caused by high logistics costs, dysfunctional systems, unsupportive regulations, unsupportive human resources and infrastructure and weak coordination between stakeholders, and 3) a transportation logistics policy model that supports national economic growth must be able to involve stakeholders so that it can have a multiplier effect on the economic sector and national economic growth.
Determinants of Return on Assets and Asset Growth In KBMI Group 4 Commercial Banks: Determinants of Return on Assets and Asset Growth In KBMI Group 4 Commercial Banks pratiwi, Wigati; Sofilda, Eleonora; Suparyati, Agustina
PENANOMICS: International Journal of Economics Vol. 4 No. 1 (2025): April
Publisher : Yayasan Pusat Cendekiawan Intelektual Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56107/penanomics.v4i1.213

Abstract

The banking industry plays a crucial role in a nation's economy, especially for Indonesia, as developing countries, hence the financial performance of the bank should be maintained continuously to support the real sector. Observing the determinant factors about their performance over time are challenging works, because it might be resulted in variative direction. Therefore, this study have a main objectives where to re-analyse the factors. This study using several variables divided into two terms internal (CAR, NPL, LDR, OER, and NIM) and external (GDP, Inflation rate, and BI Rate) that affect profitability rate and asset growth in Indonesian largest capitalized bank. Panel data regression and VECM are conducted by the author using capitalized commercial banks (KBMI 4) between 2017-2023. Several variables reveal consistent results in the long-run where CAR, LDR, Inflation rate, and BI Rate have positive influence on profitability rate. Furthermore, CAR (+), NPL (-), GDP (-), and BI Rate (+) also reveal a consistent impact toward asset growth. Several implications, especially for governments, of this result further discussed in the last sections.
Determinant Factors for Achieving Sustainable Development in Jambi Province: Determinant Factors for Achieving Sustainable Development in Jambi Province Astuti, Camelia Puji; Hamzah, Muhammad Zilal; Sofilda, Eleonora
PENANOMICS: International Journal of Economics Vol. 4 No. 1 (2025): April
Publisher : Yayasan Pusat Cendekiawan Intelektual Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56107/penanomics.v4i1.214

Abstract

The Human Development Index (HDI) and the poverty line are important indicators in measuring community welfare and are in line with the Sustainable Development Goals (SDGs) initiated by the United Nations (UN). Jambi Province is one of the provinces that has an average HDI below the national average with a high poverty rate. The purpose of this study was to analyze and examine the determinants of the HDI and Poverty Line in Jambi Province. The method used is a qualitative approach using SLR bibliometrics and a quantitative approach with panel data in 11 districts/cities in Jambi Province with a research year of 2017-2023. The results of the qualitative approach show that the productivity of literature related to the Human Development Index (HDI) and Poverty fluctuated during 2021-2024 with the highest growth in 2023 and 2024. The results of the quantitative approach show that all independent variables have a significant effect on the Human Development Index (HDI). Meanwhile, only the education budget and Regional Independence Index variables do not have a significant effect on the poverty line. Recommendations based on research results, the Central Government and Jambi Province need to encourage inclusive economic growth to accelerate the improvement of social welfare, need to strengthen sustainability-based village development programs to improve the quality of life of the community. The government needs to strengthen regional financial management mechanisms to ensure more efficient and effective public spending that has an impact on community welfare so that the achievement of SDGs can be realized in 2030.
ANALYSIS OF THE IMPACT OF SOCIAL ASSISTANCE PROGRAM DISTRIBUTION ON CURRENT ACCOUNT SAVINGS ACCOUNT (CASA) GROWTH PT. BANK NEGARA INDONESIA (PERSERO) TBK Herawan, Bonny Famedian; Hamzah, Muhammad Zilal; Sofilda, Eleonora
El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Vol 5, No 2 (2025): July(El-Ecosy: Jurnal Ekonomi dan Keuangan Islam)
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35194/eeki.v5i2.5630

Abstract

PT. Bank Negara Indonesia, Tbk. (PT BNI) berperan sebagai Agent of Development melalui kerja sama dengan Kementerian Pendidikan, Kebudayaan, Riset, dan Teknologi dalam penyaluran dana Program Indonesia Pintar (PIP), yang mencakup PIP untuk SMA/SMK/Paket C dan Kuliah (KIPK). Penelitian ini bertujuan untuk menganalisis pengaruh penyaluran program bantuan sosial terhadap pertumbuhan CASA (Current Account Saving Account). Penyaluran bantuan sosial diharapkan mempengaruhi perilaku menabung masyarakat, yang berimplikasi pada pertumbuhan CASA (Current Account Saving Account). Metode yang digunakan dalam penelitian ini adalah OLS (Ordinary Least Squares) untuk mengidentifikasi hubungan antara jumlah penerima bantuan sosial dan pertumbuhan CASA (Current Account Saving Account). Variabel yang dianalisis mencakup jumlah penerima bantuan sosial, jumlah nominal penerima dan pertumbuhan CASA (Current Account Saving Account). Hasil penelitian menunjukkan bahwa penyaluran bantuan sosial memiliki pengaruh signifikan terhadap pertumbuhan CASA (Current Account Saving Account), baik dalam jangka panjang maupun jangka pendek. Berdasarkan temuan ini, disarankan agar program bantuan sosial disertai dengan inisiatif literasi keuangan untuk mendorong penerima bantuan agar lebih memahami pentingnya tabungan. Selain itu, pengembangan produk tabungan yang menarik atau insentif untuk menabung dapat meningkatkan dampak positif terhadap CASA (Current Account Saving Account). PT. Bank Negara Indonesia, Tbk. (PT BNI) acts as an Agent of Development through a collaboration with the Ministry of Education, Culture, Research, and Technology in distributing funds for the Smart Indonesia Program (PIP), which includes PIP for Senior High Schools/Vocational High Schools/Package C and College (KIPK). This study aims to analyze the effect of social assistance program distribution on the growth of Current Account Savings Accounts (CASA). Social assistance distribution is expected to influence people's savings behavior, which has implications for CASA growth. The Ordinary Least Squares (OLS) method used in this study was to identify the relationship between the number of social assistance recipients and CASA growth. The variables analyzed included the number of social assistance recipients, the nominal amount of recipients, and CASA growth. The results indicate that the distribution of social assistance has a significant impact on CASA growth, both in the long and short term. Based on these findings, it is recommended that social assistance programs be accompanied by financial literacy initiatives to encourage recipients to better understand the importance of savings. Furthermore, developing attractive savings products or incentives to save can have a positive impact on Current Account Savings Accounts (CASA).
Pemanfaatan Software Akuntansi untuk Optimalisasi Efisiensi dan Akurasi Proses Keuangan dalam Organisasi Wahyuni, Lidia; Sofilda, Eleonora; Hamzah, Muhammad Zilal
Dirkantara Indonesia Vol. 4 No. 1 (2025): Maret-Agustus 2025
Publisher : PT. Cendekia Sapta Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55837/di.v4i1.146

Abstract

This community service project aims to enhance the competence of vocational school teachers in West Jakarta in using accounting software to improve the quality, efficiency, and accuracy of education. This activity is driven by the urgent need to upgrade teachers' skills before the competency test conducted by the Professional Certification Institute (LSP), using the latest technology. The implementation of this community service employs a descriptive qualitative approach through training, mentoring, and evaluation. The training utilizes Accurate online accounting software, chosen for its capability to meet the financial reporting standards required by schools. The results of the training showed a significant improvement in participants' skills, as evidenced by the comparison of pre-test and post-test results. The participants also reported increased confidence and readiness to face the Accounting Technician competency test. To ensure the sustainability of the program, periodic mentoring is planned, and the scope of the training will be expanded to involve more vocational school teachers in the area. This improvement in competence is expected to contribute to better financial management in schools and ultimately enhance the quality of education at the vocational high school level.
Co-Authors Agus Sriyanto Agus Susanto, Eko Agustina Suparyati, Agustina Ahmad Ahmad Airin Devanty Ajeng Entaresmen Ari Mulianta Ginting, Ari Mulianta Astuti, Camelia Puji Claudia Scholastika Elisabeth Meke Dewi, Nur Diana Dida Nurhaida Dilawatil Hikmah Dimyati Dimyati Dini Hariyanti Dini Hariyanti Eferedo, Eferedo Endang Sri Apriani Gayuh Setyo Laras Hangga Filardikh Bachtiar Heni Pujiastuti Herawan, Bonny Famedian Hesti Ekawati Hikmawaty Hikmawaty Imran Gunawan Tambunan Indah Anggoro Putri Islami, Wardah Kamila Ramadhani Kusuma Ratih Lidia Wahyuni Luci Irawati Maryani , Mudakir Mudakir Muhammad Zilal Hamzah Muhammad Zilal Hamzah Muhammad Zilal Hamzah Muhammad Zilal Hamzah Muhammad Zilal Hamzah Muhammad Zilal Hamzah Muhammad Zilal Hamzah, Muhammad Zilal Munawar, Muhammad Agil Muthiah Khoirunnisa Nur Hayati Abd Rahman pratiwi, Wigati Ramadhani Hamzah Ridhona Fultanegara Rizka Zamzani Ibrahim Shafrani Dizar Sri Murwani Sri Yani Kusumastuti Suci Romadhona Syafri, Riza Aditya VICTOR SIAGIAN Wahyuni, Lidia Wibowo, Titis Ari Yasmine Sagita Rafiq Zilal Hamzah