Article Per Year (5 Year)
p-Index From 2020 - 2025
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All Journal Sanskara Akuntansi dan Keuangan The Es Economics and Entrepreneurship West Science Business and Management Al Urwah : Sharia Economics Journal
Sudiana, Urip
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Effect of Implementing Sharia Principles in the Financial Industry on Economic Stability: Case Study at Bank BTPN Syariah Tama Putra Saratian, Eko; Rokhmatul Aysa, Imma; Sudiana, Urip
Al Urwah : Sharia Economics Journal Vol. 1 No. 2: Innovating Islamic Finance: Service Excellence, Digital Transformation, and Ethical Em
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v2i01.50

Abstract

This study investigates the impact of implementing Sharia principles on economic stability, using Bank BTPN Syariah as a case study. By adhering to core Islamic financial tenets such as the prohibition of interest (riba), the avoidance of excessive uncertainty (gharar), and the emphasis on risk-sharing and asset-backed financing, Bank BTPN Syariah aims to foster a more resilient and ethical financial system. Data was collected through interviews with key stakeholders, surveys of clients, and analysis of financial documents. The findings indicate that the application of Sharia principles contributes significantly to financial stability by promoting prudent risk management and ethical investment practices. The bank's focus on financial inclusion and supporting underserved communities enhances economic stability and client trust. This study reinforces existing theoretical frameworks that highlight the benefits of Islamic banking in mitigating financial risks and promoting sustainable economic growth. Practical implications for Bank BTPN Syariah include maintaining strong regulatory compliance and enhancing ethical conduct, while broader recommendations for the Islamic banking sector and policymakers emphasize the need for supportive frameworks to facilitate the widespread adoption of Sharia principles. Future research should explore the long-term impacts of Sharia-compliant practices and the role of technological advancements in this sector.
The Role of Microfinance in Fostering Entrepreneurship and Economic Growth in Indonesia Judijanto, Loso; Sudiana, Urip
The Es Economics and Entrepreneurship Vol. 3 No. 03 (2025): The Es Economics And Entrepreneurship (ESEE)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esee.v3i03.536

Abstract

This study explores the role of microfinance in fostering entrepreneurship and economic growth in Indonesia through a qualitative analysis involving five informants, including microfinance practitioners, entrepreneurs, and policymakers. The findings reveal that microfinance plays a pivotal role in providing financial resources, encouraging entrepreneurial behavior, and supporting job creation, thereby stimulating local economic development. However, challenges such as high interest rates, limited outreach, and low financial literacy among clients hinder its full potential. Recommendations include enhancing financial literacy programs, leveraging technology to expand access, and introducing supportive policies to reduce costs. The study highlights the need for collaborative efforts to optimize the benefits of microfinance for national economic growth.
Pengaruh Inovasi Produk pada Kinerja Keuangan dengan Adopsi Teknologi di Perusahaan XYZ di Indonesia Sono, Mohammad Gifari; Sudiana, Urip; Said, Saida; Utami, Eva Yuniarti; Hartati, Hartati
Sanskara Akuntansi dan Keuangan Vol. 2 No. 02 (2024): Sanskara Akuntansi dan Keuangan (SAK)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/sak.v2i02.327

Abstract

The paper focuses on the impact of product innovation on financial performance. Adoption of technology plays a crucial role in driving product innovation. Measurement of product innovation is done using Likert scale with four indikators. Measurement of technology adoption is done using Likert scale with five indikators. Financial performance is measured using liquidity, solvency, profitability, and activity ratios. The study examines the impact of product innovation on financial performance. Adoption of technology and innovation in products can improve financial performance. The findings provide a basis for companies to focus on innovation and technology adoption. Practical implications include expanding innovation initiatives and investing in human resources. The study has limitations in terms of specific company context and aspects studied.
Evolution of Earnings Management Practices in Public Companies Judijanto, Loso; Majid, Jamaluddin; Wijayanti, Indah Oktari; Munir, Muhammad Syahrul; Sudiana, Urip
West Science Business and Management Vol. 2 No. 04 (2024): West Science Business and Management
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsbm.v2i04.1502

Abstract

This bibliometric analysis explores the extensive body of literature on earnings management, highlighting its evolution and the current state of research globally. Utilizing data extracted from Scopus and analyzed through VOSviewer, this study maps out the interconnected themes and identifies significant contributions from various countries, with a focus on the role of corporate governance, audit quality, and financial reporting standards. The analysis reveals a growth in research volume over the years, reflecting increasing complexity and relevance. Key trends indicate a shift from traditional theoretical frameworks to more practical concerns, such as the implications of earnings management on financial stability and market perception. The study also underscores the importance of international collaboration and the impact of regulatory environments on earnings management practices. Findings from this study suggest directions for future research, emphasizing the need for advanced detection techniques and a deeper understanding of cross-cultural dynamics in earnings management.
Risk Analysis of Money Laundering through Special Purpose Vehicle (SPV) in International Business Judijanto, Loso; Soraya, Qubaila Fazrin Ega; Sudiana, Urip; Sutanto, Himawan
West Science Business and Management Vol. 2 No. 04 (2024): West Science Business and Management
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsbm.v2i04.1510

Abstract

The misuse of Special Purpose Vehicles (SPVs) in international business has emerged as a significant risk in global money laundering schemes. This study explores the mechanisms, risk factors, and regulatory challenges associated with SPVs, emphasizing their dual role as legitimate financial instruments and potential tools for illicit financial activities. A comprehensive literature review highlights key vulnerabilities, including opaque ownership structures, jurisdictional arbitrage, and regulatory inconsistencies. The findings underscore the necessity of enhanced transparency, international collaboration, and technological adoption to mitigate these risks. Proposed strategies include mandating beneficial ownership disclosure, leveraging blockchain and artificial intelligence for transaction monitoring, and strengthening global anti-money laundering (AML) frameworks. By addressing these challenges, this study contributes to safeguarding the integrity of financial systems and promoting ethical practices in international business.
Co-Authors Eko Tama Putra Saratian Hartati Hartati Himawan Sutanto, Himawan Jamaluddin Majid Judijanto, Loso Munir, Muhammad Syahrul Rokhmatul Aysa, Imma Said, Saida Sono, Mohammad Gifari Soraya, Qubaila Fazrin Ega Utami, Eva Yuniarti Wijayanti, Indah Oktari