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The Role of Sharia Banking in Building Micro Business in Indonesia Zahara, Alfiatun; Andini, Bunga; Sudirman, Wahyu Febri Ramadhan; Reza, Saru
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 4 No. 2 (2024): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v4i2.258

This research aims to provide a better understanding of how Sharia banking can contribute to the development of micro-businesses in Indonesia. The research method used is the literature research method or literature review. This method focuses on the analysis and synthesis of written works that are relevant to the research topic being investigated. The results of this research show that Sharia banking has a significant role in building micro businesses in Indonesia. Islamic banking can be an effective partner in helping micro-businesses grow and develop in Indonesia. This article focuses on the role of Islamic banking in building micro businesses in Indonesia. Although the role of Islamic banking in developing micro-businesses is well known, this research provides a better understanding of the real contribution of Islamic banking in forming an ecosystem that supports the growth and sustainability of micro-businesses in Indonesia, as well as highlighting the challenges and obstacles faced by Islamic banking in building micro businesses in Indonesia. Indonesia. This article provides important implications for Sharia banking, government, financial institutions, and society in creating an environment that supports the growth and sustainability of micro-businesses in Indonesia.

Optimalisasi Sukuk Wakaf Dalam Pembangunan Ekonomi Syariah Andini, Bunga; Winario, Mohd
Journal of Economic, Management, Business, Accounting Sustainability Vol. 1 No. 4 (2024): November 2024
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/joembas.v1i4.37

This research aims to analyze the optimization of waqf sukuk in sharia economic development, with a focus on the potential and challenges faced in its implementation in Indonesia. The method used in this research is a qualitative approach, which involves literature study, interviews with experts in the field of waqf and sharia finance, as well as analysis of policy documents related to the development of waqf sukuk. The data collected was then analyzed descriptively to provide a comprehensive picture of the implementation of waqf sukuk in Indonesia. The research results show that waqf sukuk have great potential in funding social projects that support the welfare of the people, such as the development of education, health and infrastructure. However, there are several challenges in developing waqf sukuk, including a lack of understanding among the community and waqf managers, as well as regulatory obstacles that limit its growth. This research also found that support for more progressive government policies and increased cooperation between sharia financial institutions, waqf managers and the government are very important to increase the optimization of waqf sukuk as a sustainable sharia economic financing instrument.

Digital-Based Zakat Management at the National Amil Zakat Agency Zahrah, Alfiatun; Andini, Bunga; Mardiyah, Suci; Riski, Syafnur Muhammad; Iskandar, Iskandar
General Multidisciplinary Research Journal Vol. 2 No. 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/general.v2i2.42

Introduction:This study aims to analyze zakat management at the National Zakat Agency (BAZNAS) in the digital era, focusing on the role of information technology in improving the effectiveness, efficiency, transparency, and accountability of zakat management. As one of the pillars of Islam, zakat plays a crucial role in promoting social welfare and reducing economic inequality. Therefore, optimal zakat management is essential, especially in today’s digital environment. Methods:This research employs a qualitative approach with a case study design. Data were collected through in-depth interviews and document analysis conducted at several zakat management institutions. The study focuses on identifying how digital systems are implemented and the challenges faced in integrating information technology into zakat management. Results:The findings reveal that the integration of digital technology—such as online platforms, mobile applications, and integrated information systems—significantly contributes to the efficiency of zakat collection and distribution processes. Digital tools also facilitate the identification of mustahik (zakat recipients), accelerate the distribution of aid, and enhance public trust in zakat institutions through transparent financial reporting. Conclusion and Suggestion: The study concludes that digital transformation plays a pivotal role in improving the performance and accountability of zakat management. However, challenges remain, including limited digital infrastructure and the need to enhance technological literacy among zakat managers. Therefore, developing robust information systems, strengthening human resource capacity, and fostering collaboration among stakeholders are key strategies for realizing effective and impactful zakat management in the digital era.

Development of Mutual Funds in The Indonesian Capital Market Rizky, Syafnur Muhammad; Andini, Bunga; Hasda, Mifta; Syaipudin, Muhammad; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 1 No 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i1.15

This research examines the development of mutual funds in the context of the Indonesian capital market. Mutual funds have become one of the investment instruments that is increasingly popular and important in diversifying investor portfolios in Indonesia. This research aims to analyze the factors that influence the growth of mutual funds, the role of regulation in regulating the market, and the challenges faced in optimizing the potential of mutual funds as an effective and safe investment instrument. This study uses a descriptive-analytical approach by collecting secondary data from various literature sources related to the development of capital markets and mutual funds in Indonesia. The analysis results show that the growth of mutual funds is influenced by increasing public financial awareness and ease of access to information about investment products. The regulatory role carried out by the Financial Services Authority (OJK) also contributes to creating a more structured and safe investment environment for investors. However, several challenges need to be overcome, such as market fluctuations which can affect investment values, liquidity problems in several types of mutual funds, as well as expanding financial education to the public. Better regulation is needed to address these challenges and increase transparency and protection for investors.

Liquidity Risk Management in Islamic Banks in The Digital Era Andini, Bunga; Rizki, Syafnur Muhammad; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 1 No 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i2.34

This study discusses liquidity risk management in Islamic banks in the digital era, focusing on strategies implemented to maintain financial stability amidst technological developments. Digital transformation in the banking industry brings opportunities and challenges, including increasing service efficiency and more complex liquidity risks due to changes in transaction patterns and customer preferences. This study uses a quantitative approach with secondary data analysis from Islamic bank financial reports and relevant liquidity indicators. The results of the study indicate that the application of financial technology (fintech) and digital-based risk management strategies can improve the liquidity resilience of Islamic banks. In addition, the optimization of Islamic financial instruments, such as Sukuk and Sharia-based interbank markets, is a key factor in maintaining liquidity balance. Thus, this study provides insight for Islamic banking regulators and practitioners in designing policies that are adaptive to digital changes to strengthen the resilience of the Islamic banking sector.

The Role of Sharia Banking in Building Micro Business in Indonesia Zahara, Alfiatun; Andini, Bunga; Sudirman, Wahyu Febri Ramadhan; Reza, Saru
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 4 No. 2 (2024): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v4i2.258

This research aims to provide a better understanding of how Sharia banking can contribute to the development of micro-businesses in Indonesia. The research method used is the literature research method or literature review. This method focuses on the analysis and synthesis of written works that are relevant to the research topic being investigated. The results of this research show that Sharia banking has a significant role in building micro businesses in Indonesia. Islamic banking can be an effective partner in helping micro-businesses grow and develop in Indonesia. This article focuses on the role of Islamic banking in building micro businesses in Indonesia. Although the role of Islamic banking in developing micro-businesses is well known, this research provides a better understanding of the real contribution of Islamic banking in forming an ecosystem that supports the growth and sustainability of micro-businesses in Indonesia, as well as highlighting the challenges and obstacles faced by Islamic banking in building micro businesses in Indonesia. Indonesia. This article provides important implications for Sharia banking, government, financial institutions, and society in creating an environment that supports the growth and sustainability of micro-businesses in Indonesia.

The Effectiveness of Microfinance Schemes in Promoting the Sustainability of Micro Enterprises in Developing Countries Andini, Bunga; Hasda, Mifta; Syaipudin, Muhammad
General Multidisciplinary Research Journal Vol. 3 No. 1 (2026)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/general.v3i1.66

Introduction: Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in the national economy, particularly in job creation and strengthening the people's economy. However, limited access to formal financing sources remains a major obstacle hindering MSME performance. Microfinance serves as a crucial instrument for expanding financial inclusion and encouraging microenterprise development. This study aims to analyze the effect of microfinance on MSME performance. Methods: This study used a quantitative approach with a survey of 320 MSMEs who had received microfinance. Data were collected through a structured questionnaire that had been tested for validity and reliability. The sampling technique used purposive sampling, with the criteria being that respondents had received microfinance for at least one year. Data analysis was conducted using multiple linear regression to examine the effect of microfinance on MSME performance. Results: The analysis shows that microfinance has a positive and significant effect on MSME performance. Microfinance has been proven to improve business performance, as reflected in increased revenue, more efficient business management, and business sustainability. The results of the validity and reliability tests indicate that all research indicators meet the required measurement criteria, so the results of the hypothesis testing can be interpreted scientifically and reliably. Conclusion and Suggestion: This study concludes that microfinance is a significant factor in improving MSME performance. Therefore, it is recommended that microfinance institutions and policymakers not only expand microfinance distribution but also improve the quality of financing through schemes tailored to MSME needs and business mentoring support to ensure the sustainable impact of financing.

Analysis of Investment Strategy and Effectiveness of Risk Diversification in Property Investment Andini, Bunga; Mardiyah, Suci; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 2 No 1 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jfb.v2i1.73

Property investment is one of the most popular long-term investment instruments due to its potential to generate stable income and achieve asset value appreciation over time. As a tangible asset, property is often perceived as relatively secure compared to financial assets; however, it is not free from risk. Property investment is exposed to various uncertainties, including market volatility, fluctuations in economic conditions, location-specific risks, regulatory changes, and relatively low liquidity compared to other investment instruments. These risk factors may negatively affect investment performance if not properly managed. Therefore, a comprehensive analysis of property investment risk is essential to support informed investment decision-making. One effective approach to managing investment risk is portfolio diversification, which involves allocating funds across different asset classes to reduce dependence on a single source of return. Diversification aims to minimize unsystematic risk while optimizing the overall risk–return trade-off of the portfolio. Integrating property assets into a diversified investment portfolio can provide benefits such as income stability, inflation hedging, and risk reduction due to low correlation with certain financial assets. This study emphasizes the importance of analyzing the effectiveness of risk diversification in investment portfolios that include property assets.

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