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All Journal Indonesian Journal of Multidisciplinary on Social and Technology Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Kewirausahaan dan Bisnis Journal of Aswaja and Islamic Economics
Rinda Asytuti
UIN K.H. Abdurrahman Wahid Pekalongan
Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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ISLAMIC INSURANCE AND CONVENTIONAL INSURANCE : WHAT’S THE DIFFERENCE? Ade Eriyanto; Faiz Mazda Niamy; Zenila Febi Sania; Rinda Asytuti
JASIE Vol 2, No 2 (2023): DESEMBER
Publisher : JASIE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3194/jse.v2i2.10134

Abstract

The aim of this research is to describe the differences between sharia insurance and conventional insurance, namely by looking at the principles, objectives and legal basis of the two types of insurance. The method used in this research is a qualitative method with a literature study approach. The data used in this research comes from literature from website articles, books, previous journals, and other related documents related to the research. The results of this research show that sharia insurance and conventional insurance have differences in several aspects, especially in terms of objectives and principles. Islamic insurance is based on the principles of Islamic law, while conventional insurance operates based on conventional financial principles. Keywords :  Islamic Insurance; Conventional Insurance
Effectiveness of the Operational System of Islamic People's Banking in Improving Islamic Financing Performance Rinda Asytuti; Nindya Mutiara Maharani; Nabilatul Fauziyah; Nayla Mafnuzulfa; Alma Khorina
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 12 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i12.10070

Abstract

Sharia Rural Banks (BPRS) are sharia financial institutions that play an important role in supporting community economic development through the distribution of sharia-based financing. In carrying out its function as an intermediary institution, the effectiveness of the operational system is a major factor that determines financing performance. This study was motivated by the low efficiency and effectiveness of operations in most BPRS in Indonesia, which has resulted in limited financing coverage and high levels of non-performing financing (NPF). The purpose of this study is to analyze the effectiveness of the BPRS operational system in improving sharia financing performance, as well as to identify obstacles and strategies for improving operational efficiency in the era of financial digitalization. This study uses a descriptive qualitative method with a library research approach. The data used is secondary, obtained from various relevant national and international journals. The data analysis technique uses content analysis to identify themes and patterns that emerge from previous research results on efficiency, risk management, and operational digitalization of BPRS. The results show that the effectiveness of the BPRS operational system has a significant effect on improving Islamic financing performance. Good operational efficiency can reduce costs, expand financing capacity, and strengthen the institution's profitability. However, there are still several major obstacles, such as limited capital, low quality of human resources, and suboptimal financial literacy among the public. In addition, the high level of non-performing financing remains an obstacle to maintaining the financial stability of BPRS. On the other hand, the digitization of operational systems has been proven to improve efficiency, transparency, and accessibility of services, although it is still constrained by technological limitations and human resource adaptation.
Analisis Kebijakan Moneter Non-Suku Bunga: Mengapa Bank Indonesia Menghindari Kenaikan BI-Rate di Tengah Gejolak Geopolitik Timur Tengah Aura Ashfia Al Kautsar; Tri Febriyani; Wahyu Setiawan; Rinda Asytuti
Indonesian Journal of Multidisciplinary on Social and Technology Vol. 4 No. 2 (2026): Maret - Juni
Publisher : PT Ilmu Data Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijmst.v4i2.10840

Abstract

Penelitian ini mengkaji efektivitas kebijakan moneter non-suku bunga sebagai strategi stabilisasi alternatif di tengah guncangan eksternal yang dipicu oleh ketegangan geopolitik di Timur Tengah pada tahun 2026. Berbeda dengan kerangka kerja konvensional yang berpusat pada suku bunga, penelitian ini menyoroti pergeseran strategis Bank Indonesia dalam mempertahankan suku bunga kebijakannya sambil mengoptimalkan instrumen pro-pasar, termasuk Surat Berharga Rupiah Bank Indonesia (SRBI), intervensi valuta asing, dan Transaksi Mata Uang Lokal (LCT). Dengan menggunakan pendekatan studi kasus kualitatif berdasarkan analisis dokumen kebijakan dan indikator makroekonomi, temuan penelitian ini menunjukkan bahwa bauran kebijakan ini tidak hanya meredam tekanan depresiasi nilai tukar dan menjaga inflasi tetap dalam target, tetapi juga mempertahankan intermediasi perbankan dengan risiko kredit yang terkendali. Secara teoritis, penelitian ini menantang dominasi kebijakan moneter berbasis suku bunga dan menggarisbawahi relevansi kerangka kerja bauran kebijakan dalam merespons guncangan eksternal. Penelitian ini memberikan kontribusi pada literatur dengan memberikan wawasan empiris mengenai instrumen moneter alternatif di negara-negara berkembang.
Islamic Value-Based Entrepreneurship: Integrating Sharia Business Ethics into SMEs Prawinda Mutiara Qalbu; Rinda Asytuti; Amrina Rosyada; Septiyani Wulandari
Jurnal Kewirausahaan dan Bisnis Vol. 8 No. 2 (2026): Agustus
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jkb.v8i2.1614

Abstract

The rapid growth of micro, small, and medium enterprises (MSMEs) in Indonesia has not been fully accompanied by the internalization of ethical values in business practices, as issues such as lack of transparency and profit only orientation remain prevalent. This study aims to examine the conceptual foundations of Islamic business ethics in entrepreneurship, formulate an integration model of Islamic values in MSME operations, and analyze the impacts, challenges, and prospects of sharia-based MSME development in Indonesia. The method employed is a literature review with a descriptive-qualitative approach, drawing on various scientific journals, books, and research reports as secondary data. The findings indicate that the five core principles of Islamic business ethics tawhid, justice, free will, responsibility, and honesty can be comprehensively integrated across the production, financial, marketing, service, and social responsibility aspects of MSMEs. Consistent application of these principles has proven effective in building long-term customer trust and loyalty while enhancing business competitiveness. Despite ongoing challenges such as low sharia economic literacy and limited access to Islamic financing, the prospects for sharia-based MSMEs remain highly promising amid growing public halal awareness and digital transformation support. Integrating Islamic business ethics into MSMEs is not merely a moral choice, but an effective business strategy for achieving sustainable and high-value enterprises.
ANALISIS PERAN BANK INDONESIA SEBAGAI OTORITAS MONETER MELALUI SUKU BUNGA ACUAN (BI7DRR) DALAM PENGENDALIAN INFLASI DI INDONESIA: ANALYSIS OF BANK INDONESIA'S ROLE AS THE MONETARY AUTHORITY IN CONTROLLING INFLATION IN INDONESIA THROUGH THE BENCHMARK INTEREST RATE Fanisatul Izzah; Herlina Sekar Ayu; Zahrotun Mufidah; Rinda Asytuti
JASIE Vol. 5 No. 1 (2026): JUNI
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/jse.v5i1.16774

Abstract

Penelitian ini bertujuan menganalisis peran Bank Indonesia sebagai otoritas moneter dalam pengendalian inflasi di Indonesia melalui kebijakan BI 7-Day Reverse Repo Rate (BI7DRR) selama periode 2016–2026. Penelitian menggunakan metode deskriptif kualitatif dengan data sekunder yang diperoleh dari Bank Indonesia, Badan Pusat Statistik (BPS), dan berbagai literatur ilmiah. Hasil penelitian menunjukkan bahwa Bank Indonesia berperan penting dalam menjaga stabilitas harga melalui penetapan BI7DRR sebagai instrumen utama kebijakan moneter. Kebijakan tersebut memengaruhi inflasi melalui mekanisme transmisi suku bunga, kredit, nilai tukar, dan ekspektasi inflasi. Selama periode penelitian, inflasi mengalami fluktuasi akibat perubahan kondisi ekonomi domestik dan global, termasuk pada tahun 2026 ketika inflasi mencapai 3,34% (year-on-year Juni 2026) dan BI7DRR dipertahankan pada level 5,75%. Penelitian ini menyimpulkan bahwa keberhasilan pengendalian inflasi tidak hanya ditentukan oleh penyesuaian BI7DRR, tetapi juga oleh efektivitas peran Bank Indonesia dalam merumuskan kebijakan moneter yang kredibel dan adaptif terhadap dinamika perekonomian.
Co-Authors Ade Eriyanto Alma Khorina Amrina Rosyada Aura Ashfia Al Kautsar Faiz Mazda Niamy Fanisatul Izzah Herlina Sekar Ayu Nabilatul Fauziyah Nayla Mafnuzulfa Nindya Mutiara Maharani Prawinda Mutiara Qalbu Septiyani Wulandari Tri Febriyani Wahyu Setiawan Zahrotun Mufidah Zenila Febi Sania