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All Journal Socius: Social Sciences Research Journal AB-JOIEC: Al-Bahjah Journal of Islamic Economics
Auliani, Nasywa
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Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice

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Pengaruh Pinjaman Online Terhadap Stabilitas Keuangan Rumah Tangga Auliani, Nasywa; Salzabil, Azizah Zalfaa; Rahma, Agisna
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 1 (2025): Agustus
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

The advancement of financial technology (fintech) has become a major driver of the increasing use of online lending (pinjol) services in Indonesia. Easy access and fast processes have made pinjol an attractive financing option for the public. However, the use of online loans without adequate planning and understanding can negatively affect household financial stability. This study aims to evaluate the extent to which online lending impacts household financial conditions, particularly in terms of debt management, daily expenses, and saving capacity. The research was conducted through literature review, the use of secondary data from OJK (Financial Services Authority) and BPS (Statistics Indonesia), and a descriptive quantitative analysis approach. The findings show that the surge in online loan usage, when not accompanied by sufficient financial literacy, has the potential to cause financial imbalances in households, such as loan defaults, emotional stress, and decreased purchasing power. Therefore, increasing financial education and enforcing stricter regulations are necessary to ensure consumer protection.
DEWAN PENGAWAS SYARIAH PASAR MODAL SYARIAH SERANG: TANTANGAN DAN KEBERHASILAN REGULASI PASAR MODAL SYARIAH Zulfa Pratiwi, Azzahra; Hotami, Nur; Auliani, Nasywa; Jannah, Mukhlishotul
AB-JOIEC: Al-Bahjah Journal of Islamic Economics Vol. 3 No. 01 (2025): AB-JOIEC
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61553/abjoiec.v3i01.325

Abstract

Pasar modal syariah di Indonesia menunjukkan perkembangan pesat, seiring meningkatnya minat terhadap produk keuangan berbasis prinsip syariah. Dewan Pengawasan Pasar Modal Syariah (DPMS) memainkan peran penting dalam memastikan kepatuhan terhadap prinsip syariah, meski menghadapi tantangan seperti perbedaan interpretasi prinsip, keterbatasan sumber daya manusia, dan kebutuhan untuk menyeimbangkan antara syariah dan efisiensi pasar. Penelitian ini bertujuan untuk mendorong implementasi regulasi DPMS dan mengidentifikasi dampaknya terhadap pertumbuhan serta partisipasi pasar. Dengan pendekatan deskriptif kualitatif melalui studi kasus, wawancara, dokumentasi, dan observasi langsung, data dianalisis untuk mengevaluasi tantangan dan efektivitas regulasi. Hasil penelitian menunjukkan bahwa regulasi DPMS telah memberikan kerangka pengembangan pasar, namun implementasinya menghadapi hambatan seperti kurangnya pemahaman terhadap prinsip syariah, kekurangan tenaga ahli, dan lemahnya penegakan hukum. Meski demikian, regulasi meningkatkan kepercayaan spekulan, tetapi regulasi yang terlalu ketat membatasi inovasi produk. Untuk menyempurnakan regulasi, disarankan penguatan sosialisasi prinsip syariah, peningkatan pelatihan tenaga ahli, serta fleksibilitas dalam pengembangan produk agar pasar modal syariah lebih inklusif dan berkelanjutan. Evaluasi ini bertujuan meningkatkan efisiensi pengelolaan pasar modal syariah di Indonesia.
Co-Authors Hotami, Nur MUKHLISHOTUL JANNAH, MUKHLISHOTUL Rahma, Agisna Salzabil, Azizah Zalfaa Zulfa Pratiwi, Azzahra