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All Journal EKUITAS (Jurnal Ekonomi dan Keuangan) JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi)
Nur Rahmawati
Universitas Akprind Indonesia
Economics, Econometrics & Finance

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Analisis Tata Kelola Strategis dalam Mendukung Keberlanjutan Dana Pensiun Skala Kecil di Indonesia Nur Rahmawati; Catur Iswahyudi; Saiful Huda; Eska Almuntaha
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 2 (2026): April 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i2.6649

Abstract

Indonesia’s pension fund industry has shown relatively stable asset growth in recent years; however, small-scale pension funds (Group IV) have experienced a decline in the number of entities and increasing sustainability pressures. This situation reflects an institutional capacity gap within the financial services industry, particularly regarding the ability of smaller institutions to meet governance, risk management, and regulatory compliance requirements. Previous studies have largely focused on investment performance and actuarial solvency, while research examining the sustainability of small pension funds from a strategic governance perspective remains limited. This study aims to examine the factors affecting the sustainability of Group IV pension funds and to identify strategic governance approaches suitable for small-scale pension fund institutions. The study employs a descriptive qualitative approach using Financial Services Authority reports, pension regulations, and relevant governance and risk management literature. The findings indicate that sustainability pressures are primarily associated with limited economies of scale, human resource constraints, regulatory compliance complexity, and insufficient information system support. Furthermore, a gap exists between the regulatory framework of the industry and the implementation capacity of small pension institutions. Therefore, a proportional, adaptive, and risk-based strategic governance approach is required to strengthen the sustainability of small pension funds in Indonesia.  
PUBLIC IMPRESSIONS OF THE USE OF SHARIA PEER-TO-PEER LENDING IN PREVENTING ILLEGAL ONLINE LOAN FRAUD Nurul Aisah; Nur Rahmawati; Sisca Dian Rahmawati; Dewangga Eka Syahputra; Aulia Galuh Ani Sekar Arum
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 8 No 4 (2024): December
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2024.v8.i4.6724

Abstract

Interest in sharia loans may be significantly lower than regular internet loans. Online Sharia loans are safer than conventional loans as they do not incur interest or usury and do not impose penalties for late payments. This study seeks to ascertain public perceptions regarding the utilization of Sharia-compliant P2P lending as a means to mitigate illicit online loan fraud. The employed methodology is a mixed methods research strategy, specifically quantitative utilizing the TAM model and qualitative through structured interviews, aimed at acquiring deeper insights from relevant sources. This research sample used 167 respondents with the criteria namely people who have knowledge or experience using Sharia P2P Lending. The research findings indicate that trust and comfort affect individuals' views and interest in utilizing P2P syariah lending. Attitudes affect individuals' desire to utilize Sharia P2P Lending, whereas risk perceptions do not influence their attitudes or interests. Moreover, the significance of Sharia P2P Lending is paramount, as it functions by Sharia principles that prioritize justice, transparency, and the avoidance of usury, gharar, and maysir. Digital literacy, particularly in financial matters, is essential to avert illicit online loan fraud.
Co-Authors Aulia Galuh Ani Sekar Arum Catur Iswahyudi Dewangga Eka Syahputra Eska Almuntaha Nurul Aisah Saiful Huda Sisca Dian Rahmawati