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All Journal International Journal of Education, Social Studies, And Management (IJESSM) Journal of Economic, Management, Business, Accounting Sustainability Journal of Financial and Business
Andini, Bunga
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Other

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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

Abstract

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

Abstract

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.
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

Abstract

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.
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

Abstract

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.
Co-Authors Mardiyah, Suci Mohd. Winario Saru Reza Wahyu Febri Ramadhan Sudirman Zahara, Alfiatun