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All Journal Jurnal Ekonomi Manajemen Sistem Informasi Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Masyita Auliyah
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Analisis Manajemen Risiko Social Farming: Strategi Mitigasi untuk Ketahanan Bisnis Pertanian Masyita Auliyah; Thayib Thayib
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 6 No. 5 (2025): Jurnal Ekonomi Manajemen Sistem Informasi (Mei - Juni 2025)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v6i5.5164

Abstract

Sektor pertanian Indonesia berperan penting dalam ketahanan pangan dan perekonomian, tetapi menghadapi tantangan seperti konflik lahan, ketidakpastian hukum, dan perubahan iklim. Penelitian ini menganalisis manajemen risiko sosial dalam mitigasi konflik pertanian menggunakan pendekatan kualitatif melalui studi literatur sistematis. Kerangka teori yang digunakan meliputi prinsip FPIC (Free, Prior, and Informed Consent) dan ESG (Environmental, Social, Governance) sebagai dasar analisis. Hasil penelitian menunjukkan bahwa konflik lahan dipicu oleh sertifikasi tanah yang tidak jelas, ekspansi agribisnis, dan reforma agrarian yang belum tuntas. Strategi mitigasi yang efektif mencakup; (1) Penerapan FPIC dan ESG untuk transparansi dan partisipasi masyarakat. (2) Percepatan sertifikasi tanah melalui program PTSL dan One Map Policy. (3) Kolaborasi multistakeholder (Pemerintah, LSM, dan petani). (4) Peningkatan kapasitas petani tentang hak kepemilikan lahan. Pendekatan ini dapat menciptakan kepastian hukum, pengelolaan lahan yang transparan, dan hubungan harmonis antar pemangku kepentingan. Dengan demikian, tata kelola inklusif dan kolaboratif mampu memperkuat ketahanan bisnis pertanian Indonesia secara berkelanjutan.
Adopsi Financial Technology oleh Bank Syariah Indonesia (BSI) dalam Meningkatkan Inklusi Keuangan Syariah di Era Digital Masyita Auliyah; Andriani Samsuri
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i6.8042

Abstract

The development of financial technology (fintech) has brought about a significant transformation in the global financial industry, including in Indonesia. Bank Syariah Indonesia (BSI) as one of the largest Islamic banks in Indonesia, has adopted fintech to increase Islamic financial inclusion in the digital era. This study aims to analyze how the adoption of fintech by BSI can expand access to Islamic financial services, especially for people in remote areas and MSMEs. The research method used is qualitative descriptive by collecting secondary data from scientific journals, books, and so on. The results of the study show that digital innovations such as BSI Mobile, BSI QRIS, and collaboration with fintech platforms have succeeded in increasing the accessibility of Islamic financial services. BSI's digital transactions reached 97.94%, with ZISWAF transactions through BSI Mobile growing 31% in September 2024. The adoption of fintech by BSI not only increases operational efficiency, but also strengthens Islamic financial literacy and empowers MSMEs and rural communities. Thus, BSI has created an inclusive, accessible, and Islamic financial ecosystem.
Co-Authors Andriani Samsuri Thayib Thayib