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All Journal Al Tijarah CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis
Pungky Lela Saputri
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Peran Fintech dalam Mendorong Transaksi Berkelanjutan dan Investasi Hijau Global Lutfiatun Qoriah; Ira Safitri; Layla Husna Nur Chifdzi; Latifatun Nisak; Pungky Lela Saputri
CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 5 No. 1 (2025): CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/cemerlang.v5i1.3436

Abstract

Fintech has emerged as a key driving force in fostering sustainable transactions and green investments at the global level. Through product and service innovation, fintech is making access to sustainable financial products easier, encouraging wider participation in the green economy. The role of fintech in driving global sustainable transactions and green investments is increasingly significant as the need for environmentally friendly financial solutions grows. Financial technology (fintech) facilitates wider access to green finance through inclusive and efficient digital platforms. Fintech contributes to carbon footprint reduction by adopting digital-based technologies to replace traditional resource-intensive financial processes. In addition, fintech also encourages green investment by providing services such as crowdlending for renewable energy projects, green asset tokenisation, and sustainability-based portfolio monitoring applications. Collaboration between fintech, regulators, and the traditional financial sector is key in creating an ecosystem that supports the transition to a low-carbon economy. This article discusses the strategic role of fintech in driving sustainable transactions and global green investments, the challenges faced, as well as the future potential to achieve sustainable development goals (SDGs).
Transformasi Pembayaran Internasional: Peran CBDC dan Integrasi dengan Ekosistem Fintech Nurul Setiyaningsih; Nurul Aina Romadhoni; Pranashinta Intan Berlianna; Regitasari Setyaning Uttami; Pungky Lela Saputri
CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 5 No. 1 (2025): CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/cemerlang.v5i1.3507

Abstract

This article discusses the transformation of international payments that continues to develop along with technological advances and increasing needs for efficiency, speed, and security in conducting cross-border transactions. This development is marked by the innovation of international payments with the existence of CBDC (Central Bank Digital Currency) and its integration with fintech, as a digital currency issued by the Central Bank. In this study, the research method used is a qualitative descriptive method. Where data can be obtained through informal group discussions, literature studies, and from various sources of information related to the transformation of international payments, CBDC, and the fintech ecosystem. The results of the study show that there has been a transformation of international payments that started from manual or cash transactions, until now it can carry out digital payment transactions using CBDC payment innovations. However, there are challenges or risks in using CBDC, namely related to data security and privacy, new financial technology regulations, changes in consumer behavior, and financial stability risks. This article is expected to provide insight for industry players to be able to utilize the potential of CBDC and fintech in building a more modern and sustainable international financial system.
Capital structure, efficiency, and profitability: key drivers of Islamic banking’s financial stability in ASEAN Pungky Lela Saputri; Hanif Ahmadi; Tika Mutiani
Al Tijarah Vol. 11 No. 1 (2025): Al Tijarah l June
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/at.v11i1.14015

Abstract

This study examines the impact of capital structure, operational efficiency, and profitability on the financial stability of Islamic banks in ASEAN from 2020 to 2024. Using panel data regression analysis, the research investigates how the Debt to Equity Ratio (DER), Operational Efficiency Ratio (OER), and Return on Assets (ROA) influence financial stability, measured by the Z-Score. The findings reveal that DER has a negative and significant effect on financial stability, indicating that excessive reliance on debt increases financial risk and reduces the resilience of Islamic banks. Similarly, OER negatively affects financial stability, suggesting that higher operational costs and inefficiencies weaken financial performance. In contrast, ROA positively and significantly contributes to financial stability, as higher profitability strengthens banks’ financial flexibility and ability to absorb economic shocks. These results highlight the importance of maintaining an optimal capital structure, improving cost efficiency, and enhancing profitability to ensure sustainable financial stability. The study provides practical implications for policymakers and Islamic bank managers, emphasizing the need for prudent financial management, technological advancements in cost control, and innovative Shariah-compliant investment strategies to enhance stability in the Islamic banking sector.
Co-Authors Hanif Ahmadi Latifatun Nisak Layla Husna Nur Chifdzi Lutfiatun Qoriah Nurul Aina Romadhoni Nurul Setiyaningsih Pranashinta Intan Berlianna Regitasari Setyaning Uttami RR. Ella Evrita Hestiandari Tika Mutiani