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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan
Indah Tri Sari Harahap
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Economics, Econometrics & Finance Social Sciences Other

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Mekanisme Trasmisi Kebijakan Moneter di Negara Berkembang Nasution, Alya Arianti; Keisya Putri Balqis; Cindy Aulia Zalyanti; Indah Tri Sari Harahap; Maryam Batubara
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23204

Abstract

The purpose of this study is to determine the mechanism of monetary policy transmission in developing countries, the mechanism of monetary policy transmission in developing countries is a complex process that involves interactions between central banks, banks, and economic actors in the circulation of money. This article uses a literature study method, which involves collecting data by studying theories from various research-related literature and qualitative research methods. In this mechanism, the central bank regulates and controls the flow of base money as the first step, which is then transmitted through the money multiplier to circulating money according to public demand. The impact of monetary policy on broad money will affect various aspects of the economy, including inflation and real output in developing countries. An in-depth understanding of the monetary policy transmission mechanism is crucial to achieving sustainable and stable economic growth in developing countries.
Mekanisme Trasmisi Kebijakan Moneter di Negara Berkembang Nasution, Alya Arianti; Keisya Putri Balqis; Cindy Aulia Zalyanti; Indah Tri Sari Harahap; Maryam Batubara
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23204

Abstract

The purpose of this study is to determine the mechanism of monetary policy transmission in developing countries, the mechanism of monetary policy transmission in developing countries is a complex process that involves interactions between central banks, banks, and economic actors in the circulation of money. This article uses a literature study method, which involves collecting data by studying theories from various research-related literature and qualitative research methods. In this mechanism, the central bank regulates and controls the flow of base money as the first step, which is then transmitted through the money multiplier to circulating money according to public demand. The impact of monetary policy on broad money will affect various aspects of the economy, including inflation and real output in developing countries. An in-depth understanding of the monetary policy transmission mechanism is crucial to achieving sustainable and stable economic growth in developing countries.
Efektivitas Roadmap Pasar Modal Syariah OJK 2020–2024 dalam Meningkatkan Literasi dan Inklusi Keuangan Syariah di Indonesia Indah Tri Sari Harahap; Keisya Putri Balqis; Wahyudin; Maryam Batubara
Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Vol. 5 No. 3 (2025): Oktober: Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimbik.v5i3.1371

Abstract

This study aims to analyze the effectiveness of the Modal Syariah program initiated by Indonesia’s Financial Services Authority (OJK) during the 2020–2024 period in improving Islamic financial literacy and inclusion. The program is part of OJK’s strategic efforts to strengthen the national sharia finance ecosystem through public education, product development, digital infrastructure enhancement, and stakeholder collaboration. The analysis shows a significant increase in Islamic financial literacy, from 8.93% in 2019 to 39.11% in 2024. However, the level of financial inclusion remains relatively low, reaching only 12.88%. This gap reflects that while public understanding of Islamic financial products has improved, actual usage remains limited. Low adoption is attributed to limited access, uneven distribution of Islamic financial institutions, lack of competitive sharia-based products, and uneven digitalization. The study recommends follow-up strategies focusing on improving financial inclusion through digital service innovation, need-based incentives, and integration of Islamic finance with the micro, small, and medium enterprises (MSMEs) sector.
PERLINDUNGAN HUKUM DALAM MENGANTISIPASI DAN MENANGANI KERUGIAN NASABAH AKIBAT SCAM MELALUI LINK PHISING PADA MOBILE BANKING Indah Tri Sari Harahap; Alya Arianti Nasution; Keisya Putri Balqis; Wahyudin; Nikmah Dalimunthe
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.30415

Abstract

With the presence of digital transformation in the financial sector, it makes significant convenience for the community, but adds to cybercrime. One of the threats that often occurs is digital fraud that uses user negligence through fake links that resemble official banking services. This research is intended to examine how legal protection to protect customers and how mechanisms to prevent and handle losses are carried out. The research method used is descriptive qualitative using a literature approach through the study of scientific journals, books, and existing laws. The results of the research show that regulations have regulated the obligations of banks when maintaining system security as well as providing a complaint mechanism for customers. That way, there are still obstacles to the application of legal protection, especially regarding low digital literacy and difficulty of proof. The research conclusion prioritizes the need to strengthen regulations, increase public education, and maximize banking responsibilities. Collaboration between regulators, banking institutions, and the community as the main foundation in shaping security, justice, and continuity in the digital banking system.
Co-Authors Alya Arianti Nasution Cindy Aulia Zalyanti Keisya Putri Balqis Maryam Batubara Nasution, Alya Arianti Nikmah Dalimunthe Wahyudin