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All Journal JAKBS Journal Economic Excellence Ibnu Sina
Rifni Miftahur Rohmah
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Analisis Manajemen Risiko Pada Agen Brilink: Studi Kasus Di BRI Unit Wirolegi Jember Rifni Miftahur Rohmah; Rani Maulidasari; Wafiq Nur Azizah
Journal Economic Excellence Ibnu Sina Vol. 2 No. 1 (2024): Maret : Journal Economic Excellence Ibnu Sina
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/excellence.v2i1.963

Abstract

BRI Bank BRI Agent has become an integral part of the Indonesian government's efforts to increase financial inclusion across the country. This research investigates the risks, role and impact of BRILink agents in expanding access to financial services for the community, especially in remote areas and difficult to reach by conventional financial institutions. Through a qualitative approach involving in-depth interviews and secondary data analysis, this study describes various important aspects related to BRILink agents, including the distribution network, services provided, challenges faced, and their impact on financial inclusion. The findings show that BRILink agents have succeeded in expanding the reach of banking services, facilitating financial transactions, and increasing financial literacy among previously underserved communities. However, challenges such as limited technological infrastructure, high operational costs, and lack of awareness of the benefits of financial services are still obstacles that need to be overcome. Based on the results of this research, it is recommended that the government, regulators and other related parties continue to support and improve the BRILink agent ecosystem through supportive policies, structured training and continuous technological innovation. Thus, BRI Bank BRI agents have significant potential in realizing wider and more sustainable financial inclusion in Indonesia.
Membangun Kepercayaan: Peran LPS Syariah dalam Menjaga Stabilitas Perbankan Syariah Rifni Miftahur Rohmah; Isna Farikh Nuzula; Romziyeh
Jurnal Akuntansi Keuangan dan Bisnis Vol. 2 No. 1 (2024): April - Juni
Publisher : CV. ITTC INDONESIA

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Abstract

The monetary crisis in Indonesia in 1998 resulted in the liquidation of 16 banks so that people did not trust banks. Even though banking is an important component in the national economy. Overall economic stability is influenced to a large extent by banking conditions. LPS is here as a solution to this problem. This is based on Presidential Decree no. 26 of 1998 concerning guarantees for payment obligations of commercial banks and Presidential Decree no. 193 of 1998 regarding guarantees for payment obligations of rural credit banks. The aim of this research is to better understand by knowing specifically the role of LPS in maintaining the stability of sharia banking. The research method used is descriptive qualitative research. The results of this research state the important role of LPS in maintaining bank stability. An unstable financial system can cause the economy to be disrupted, while the process of recovering an unstable economic system requires very high costs and a long time to restore public confidence in the financial system and banking system. The existence of LPS can have an effect on anticipating these risks by guaranteeing bank customers' deposits and carrying out settlements or handling of failed banks so that customers' trust in the bank is restored.
Co-Authors Isna Farikh Nuzula Rani Maulidasari Romziyeh Wafiq Nur Azizah