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All Journal JEBDEKER: Jurnal Ekonomi, Manajemen, Akuntansi, Bisnis Digital, Ekonomi Kreatif, Entrepreneur Salwatuna: Jurnal Pengabdian Kepada Masyarakat JURNAL ESA Jurnal Pariwisata, Bisnis Digital dan Manajemen Jurnal Ilmiah Multidisiplin Indonesia I'thisom: Jurnal Ekonomi Syariah Joong-Ki IZZI: Jurnal Ekonomi Islam
Muhammad Bahanan
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Physics Social Sciences Other

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STUDI KOMPREHENSIF TERHADAP RISIKO PEMBIAYAAN PADA BANK DIGITAL SYARIAH Muhammad Bahanan; Hardian Dwi Utomo
I'THISOM : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2025): I`thisom Edisi April
Publisher : LPPM Sekolah Tinggi Agama Islam Al-Utsmani Bondowoso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70412/its.v4i1.177

Abstract

This study provides a comprehensive analysis of the various financing risks faced by Islamic digital banks in Indonesia as a consequence of the rapid development of digital technology in the Islamic financial system. Using a qualitative approach based on literature review, the research explores several types of risks including credit risk, sharia compliance risk, operational risk, liquidity risk, reputational risk, and information technology risk in the operational activities of Islamic digital banking. The findings reveal that although digitalization enhances efficiency and financial inclusion, it also introduces new challenges in risk management that must comply with Islamic principles. The underlying factors contributing to these risks include the uncertainty of Islamic contracts, the quality of customer profiles, technological vulnerabilities, regulatory compliance with sharia law, and low levels of financial and digital literacy. This study also proposes relevant mitigation strategies such as the application of AI and big data in credit scoring, strengthening IT security infrastructure, and optimizing the role of the Sharia Supervisory Board. The results of this study are expected to serve as a reference for the development of adaptive and sharia-compliant risk management systems for Islamic digital banks in the modern era.
Hedging strategy against exchange rate volatility in Indonesian export-import companies : a case study on PT Astra International, Tbk Muhammad Bahanan; Prisilia Angel Tantri; Fitriya Andriyani; Rezha Isyraqi Qastalano
Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) Vol. 4 No. 09 (2025): Jurnal Ilmiah Multidisplin Indonesia (JIM-ID) October 2025
Publisher : Sean Institute

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Abstract

This study aims to explore and evaluate the hedging strategies employed by PT Astra International Tbk in managing exchange rate volatility resulting from its export-import activities. Using a qualitative approach with a case study method, the research utilizes secondary data from financial statements, annual reports, and official disclosures from 2020 to 2024. The findings reveal that Astra consistently applies both financial hedging using instruments such as forward contracts and cross-currency swaps and natural hedging through currency alignment in operational flows. Despite occasional accounting losses from derivative instruments, the company demonstrates high hedging effectiveness, averaging over 98% in reducing potential exchange rate losses. This study contributes to the understanding of risk management practices in emerging market corporations and underscores the importance of integrating derivative instruments into corporate treasury systems. The results offer practical insights for companies facing foreign exchange risk and support theoretical frameworks on financial risk mitigation and corporate governance.
PENERAPAN MANAJEMEN STRATEGI UMKM DALAM MENGHADAPI PERSAINGAN BISNIS DI KAWASAN PPS Al-UTSMANI BONDOWOSO Haqiqotus Sa’adah; Kazimah; Sri Yuliati Ningsih; Ainur Rohmah; Muhammad Bahanan
IZZI: Jurnal Ekonomi Islam Vol. 4 No. 2 (2024): IZZI: Jurnal Ekonomi Islam
Publisher : Prodi Manajemen Bisnis Syariah

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Abstract

Micro, Small and Medium Enterprises or UMKM are the business group that has the largest number and has proven to be resistant to various shocks from the economic crisis. Strategy is very important to determine the company's success in achieving its long-term goals. By choosing the right strategy for a particular company position, a company will have a competitive advantage. The aim of this research is to find out what strategies are used by Micro, Small and Medium Enterprises (UMKM) owners in facing business competition. This research method uses descriptive qualitative, previously interviews were conducted with resource persons with the results obtained in the form of strategies implemented by sellers in promoting the goods they sell. It can be concluded that business competition in the Al-Utsmani Salafiyah Islamic boarding school is so great that sometimes business actors are at a disadvantage in dealing with this situation, therefore business strategies play a very important role.
Co-Authors Ainur Rohmah Farisya Irmayu Fitriya Andriyani Haqiqotus Sa’adah Hardian Dwi Utomo Kazimah Kusuma Wardana, Guntur Muhammad Wahyudi Noer Aisyah Berlian Nugroho, Rizky Adhitya Prisilia Angel Tantri Qastalano, Rezha Isyraqi Rezha Isyraqi Qastalano Rezha Isyraqi Qastalano Sa'adah, Haqiqotus Saadah, Haqiqotus Sa’adah, Haqiqotus Sri Yuliati Ningsih