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All Journal Jurnal Bisnis, Ekonomi Syariah dan Pajak
Uky Zaza Agustiana
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Economics, Econometrics & Finance

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Peningkatan Literasi Keuangan melalui Reksa Dana Syariah sebagai Upaya Mendorong Inklusi Keuangan Syariah di Indonesia Miftahul Fauzi; Uky Zaza Agustiana; Dini Selasi
Jurnal Bisnis, Ekonomi Syariah, dan Pajak Vol. 1 No. 4 (2024): Desember : Jurnal Bisnis, Ekonomi Syariah, dan Pajak (JBEP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jbep.v1i4.736

Abstract

Financial literacy is an individual's ability to understand, analyze, and use financial information to make effective decisions. In the context of Islamic finance in Indonesia, low financial literacy is a major challenge in increasing financial inclusion. Islamic mutual funds, as one of the sharia-based investment instruments, offer an opportunity to bridge the gap between financial literacy and inclusion. Islamic mutual funds have the advantages of transparent sharia principles, wider accessibility, and diversified risks. This study aims to explore the role of Islamic mutual funds in increasing public financial literacy while encouraging Islamic financial inclusion. The methodology used includes secondary data analysis, surveys, and interviews with stakeholders, such as financial industry players, regulators, and the community. The results of the study show that education about Islamic mutual funds can consistently increase public understanding of Islamic financial products. In addition, Islamic mutual funds also have the potential to expand public access to Islamic financial services, especially among the younger generation and underserved groups. Integration of financial literacy programs based on sharia mutual funds with the support of regulations and digital technology can be a strategic step to strengthen the sharia financial ecosystem in Indonesia, thereby supporting more inclusive and sustainable financial inclusion.
Pemanfaatan Blockchain untuk Meningkatkan Keamanan Siber dalam Pembayaran Lintas Batas di Industri Fintech Uky Zaza Agustiana
Jurnal Bisnis, Ekonomi Syariah, dan Pajak Vol. 1 No. 4 (2024): Desember : Jurnal Bisnis, Ekonomi Syariah, dan Pajak (JBEP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jbep.v1i4.738

Abstract

The cross – border fintech payment industry faces many cybersecurity issues, including the possibility of data theft, fraud and low efficiency due to reliance on conventional intermediaries. Based on decentralized and cryptgrahpic system, blockchain technology can improve the security and efficiency of cross – border payments. The purpose of this study is to see how the implementation of blockchain affects the transparency, speed and cost of transactions. Using literature studies and case analysis, it was found that blockhain technology can reduce the risk of fraud by making institutions transparent and immutable. In addition, it allows for automated payments through smart contracats, scalability, regulation and technology adoption are some of the challenges that still hinder its implementation. The results of the study show that blockchain is an innovation strategy that has the potential to transform payments across the fintech sector, but it requires synergy between technology, policy and industry players for optimal implementation.
Co-Authors Dini Selasi Miftahul Fauzi