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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JIB : Journal Islamic Banking
Tri Wina Sabrina
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Economics, Econometrics & Finance Social Sciences

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Perkembangan Financial Technology Terkait Central Bank Digital Currency (CBDC) terhadap Transmisi Kebijakan Moneter dan Makroekonomi Soleha, Safnah; Hikmah Indri Yani Harahap; Tri Wina Sabrina; 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.v9i3.23293

Abstract

The purpose of this study is to determine the development of financial technology related to central bank digital currency (CBDC) on the transmission of monetary and macroeconomic policies. The advancement of financial technology (fintech) continues to show a significant increase in today's digital age. This research uses descriptive qualitative research methods with literature studies. The descriptive method used in this research is to describe the direction or process of research development. In brief, it can be concluded that CBDC is electronic money issued by the central bank and can be accessed universally. on the transmission of monetary policy in Indonesia can be shown by the effect of changes in BI 7DRR on banking rates both deposit and credit rates. If the economy is in recession, Bank Indonesia will implement a loose monetary policy by lowering the benchmark interest rate so that economic activity increases. macroeconomics is part of economics that explores economic events and problems holistically as a unit. Macroeconomics also focuses attention on the role of the state in regulating economic activity. The development of fintech, which is in line with the increasingly wide open access to digital finance, has great potential to increase public access to the financial sector.
Perkembangan Financial Technology Terkait Central Bank Digital Currency (CBDC) terhadap Transmisi Kebijakan Moneter dan Makroekonomi Soleha, Safnah; Hikmah Indri Yani Harahap; Tri Wina Sabrina; 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.v9i3.23293

Abstract

The purpose of this study is to determine the development of financial technology related to central bank digital currency (CBDC) on the transmission of monetary and macroeconomic policies. The advancement of financial technology (fintech) continues to show a significant increase in today's digital age. This research uses descriptive qualitative research methods with literature studies. The descriptive method used in this research is to describe the direction or process of research development. In brief, it can be concluded that CBDC is electronic money issued by the central bank and can be accessed universally. on the transmission of monetary policy in Indonesia can be shown by the effect of changes in BI 7DRR on banking rates both deposit and credit rates. If the economy is in recession, Bank Indonesia will implement a loose monetary policy by lowering the benchmark interest rate so that economic activity increases. macroeconomics is part of economics that explores economic events and problems holistically as a unit. Macroeconomics also focuses attention on the role of the state in regulating economic activity. The development of fintech, which is in line with the increasingly wide open access to digital finance, has great potential to increase public access to the financial sector.
Analisis Perkembangan Produk dan Layanan Bank Syariah Di Pakistan Tri Wina Sabrina; Mey Yunanda; Ahyarul Juanda Sagala; Khaidar Rahmaini Jamila
Jurnal Perbankan Syariah Vol 5 No 2 (2025): DESEMBER
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v5i2.1336

Abstract

Islamic banking in Pakistan has unique characteristics compared to other Muslim countries, as from its early development it was directed toward the Islamization of the entire national banking system. This study aims to analyze the development of Islamic banking products and services in Pakistan as well as the dynamics accompanying it. The research method employed is a descriptive qualitative approach through a literature review, utilizing secondary data obtained from books, scholarly articles, and relevant reports. The results indicate that Islamic banking in Pakistan has experienced significant growth, as reflected in the diversification of financing products such as murabahah, mudarabah, musharakah, and ijarah, as well as savings and investment services and Islamic financial instruments such as sukuk. In addition to functioning as commercial financial institutions, Islamic banks in Pakistan also perform a social role through the management of zakat, waqf, and Islamic social funds. Regulatory support from the State Bank of Pakistan has further contributed to the growth of this sector. Nevertheless, this development continues to face challenges, including limited Islamic financial literacy, the need for product innovation, and competition with conventional banks. This study is expected to contribute to the enrichment of academic literature on Islamic banking and to serve as a reference for the sustainable development of the Islamic banking industry in Pakistan.
Co-Authors Ahyarul Juanda Sagala Hikmah Indri Yani Harahap Khaidar Rahmaini Jamila Maryam Batubara Mey Yunanda Soleha, Safnah