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Kebijakan Perdagangan Internasional terhadap Pertumbuhan Ekonomi Indonesia Alfian Widiyanto; Anur Hikmah; Gama Pratama
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 1 (2025): Januari : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i1.1096

Abstract

International trade is the main pillar of global economic development. For Indonesia, international trade policy plays a strategic role in encouraging economic growth. As a country rich in natural resources and with a large population, Indonesia has the potential to be significant in the global value chain. However, fluctuations in commodity prices, competitive pressures, and protectionism of trading partners are obstacles that need to be overcome. This study examines the impact of international trade policies on Indonesia's economic growth through a literature study. The analysis focuses on the influence of tariff regulation, free trade agreements, and non-tariff policies on the competitiveness of national products and the protection of domestic industries. The results show that trade policies are effective in creating synergies between exports and economic growth, although challenges in the form of dependence on primary commodity exports and the need to increase manufacturing competitiveness remain. This study recommends strengthening infrastructure, improving the quality of human resources, and sustainable economic policies as strategies to optimize international trade for national economic development.
Technological Innovation in Islamic Finance : An Analysis of the Government's Role in Regulating and Supporting Islamic Fintech Alfian Widiyanto; Saefudin Zuhri
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 2 No. 6 (2024): Desember : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v2i6.1079

Abstract

The rapid development of technology has significantly influenced various economic sectors, including finance. Digitalization has introduced opportunities to create more efficient, transparent, and inclusive financial services. Within Islamic finance, technological advancements address challenges such as limited access to Sharia-compliant financial services and complexities in applying Sharia principles practically. One notable innovation is Sharia-based financial technology (fintech), which combines Islamic values with modern technology to provide accessible, ethical, and sustainable financial solutions. This study explores the potential and challenges of Sharia fintech in Indonesia, a country with the largest Muslim population globally. Sharia fintech, including crowdfunding, peer-to-peer lending, and halal digital payment platforms, promotes financial inclusion while adhering to Islamic principles. However, its growth faces regulatory hurdles, consumer protection issues, and a lack of public literacy about Sharia-compliant financial products. The research highlights the role of the government and regulatory bodies such as the Financial Services Authority (OJK) in providing a supportive framework, including legal certainty, technological infrastructure, and public education initiatives. The findings emphasize that effective regulations and strategic government support are critical to fostering Sharia fintech as a pillar of the Islamic economy. With strengthened collaboration between stakeholders, Sharia fintech can contribute significantly to financial inclusion and sustainable economic development in Indonesia.
Peran Strategis Dewan Pengawas Syariah dalam Mewujudkan Keuangan Syariah Berbasis Etika Alfian Widiyanto; Dini Selasi
Jurnal Bisnis, Ekonomi Syariah, dan Pajak Vol. 1 No. 4 (2024): Desember : Jurnal Bisnis, Ekonomi Syariah, dan Pajak (JBEP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jbep.v1i4.663

Abstract

The Sharia Supervisory Board (SSB) holds a pivotal role in ensuring Islamic financial institutions operate in full compliance with Sharia principles. Its responsibilities include issuing fatwas, overseeing daily operations, and ensuring the integrity of financial products and services offered by these institutions. The SSB’s role is critical in maintaining public trust and aligning financial practices with Islamic values. However, significant challenges arise, such as the increasing complexity of financial instruments, rapid technological advancements, and varying interpretations of Sharia principles across jurisdictions. Moreover, public awareness of Islamic finance remains low, and the risk of conflicts of interest in SSB oversight persists. To overcome these challenges, the SSB must strengthen its expertise through continuous education, collaborate with scholars and regulators, and actively engage in public literacy initiatives. Harmonization of Sharia standards at a global level is also essential to navigate the interconnected nature of modern finance. The SSB’s success in addressing these challenges ensures the sustainability of Islamic financial systems while fostering ethical and equitable economic growth.