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All Journal Jurnal Ilmiah Ekonomi dan Manajemen Demagogi: Journal of Social Sciences, Economics and Education MERDEKA: Jurnal Ilmiah Multidisiplin Journal of Finance and Islamic Banking
Khaidar Rahmaini Jamila
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Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Institutional Roles of Islamic Microfinance in Countering Informal Moneylenders: Evidence from Rural Communities Muslim Marpaung; Fitri, Yona; Khaidar Rahmaini Jamila; Yekti Mahanani
Journal of Finance and Islamic Banking Vol. 8 No. 2 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i2.13106

Abstract

Purpose: This study examines the role of PNM Mekaar Syariah in preventing the expansion of informal moneylending practices in rural communities, particularly among women micro entrepreneurs with limited access to formal financial services. It focuses on how Islamic microfinance mechanisms and group based empowerment reduce dependence on usurious lending. Method: A qualitative ethnographic approach was employed through participant observation, semi structured interviews, and field immersion within selected rural beneficiary groups. Data were thematically analyzed to capture patterns of financial behavior, social capital formation, and changes in borrowing practices. Results: The findings indicate that PNM Mekaar Syariah strengthens financial discipline, enhances entrepreneurial capacity, and builds trust based social capital through group financing structures. Beneficiaries demonstrate increased financial autonomy and a notable decline in reliance on informal moneylenders. Nevertheless, the study identifies the need for continuous financial education and digital payment integration to ensure long term sustainability. Implication: The study highlights Islamic microfinance as an effective community based strategy for preventing predatory lending and promoting sustainable financial inclusion in rural areas. Originality: This research offers ethnographic insights into Islamic microfinance by integrating social, behavioral, and religious dimensions in addressing informal moneylending practices in rural Indonesia.
ANALISIS PERKEMBANGAN DAN TANTANGAN PERBANKAN SYARIAH DI KUWAIT Asnawi Asnawi; Hikmah Indri Yani Harahap; Risa Lidia; Khaidar Rahmaini Jamila
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 1 (2026): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i1.8260

Abstract

Islamic banking is a vital component of the global Islamic financial system, particularly in the Gulf Cooperation Council (GCC) region. Kuwait is known as a pioneer in the development of Islamic banking through the establishment of Kuwait Finance House (KFH) in 1977. This study aims to analyze the development of Islamic banking in Kuwait, encompassing its history, profiles of major Islamic banks, products and operational mechanisms, and challenges faced. The research method used was qualitative research with a library research approach. Data was collected from books, scientific journals, official reports, and other relevant documents, then analyzed using content analysis techniques. The results indicate that Islamic banking in Kuwait has experienced significant growth thanks to regulatory support from the Central Bank of Kuwait (CBK) and product innovation based on Sharia principles. However, the industry still faces challenges such as limited human resources, Sharia compliance risks, and the potential for fraud that can impact public trust.    
MERAMAL VALUTA ASING (MUDRA) Tri Suci Irawan; Dimas Pramudya; Khaidar Rahmaini Jamila
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 1 (2026): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i1.8445

Abstract

Dalam era globalisasi, peramalan valuta asing (valas) menjadi instrumen krusial bagi pelaku bisnis internasional, investor, dan pemerintah untuk memitigasi risiko fluktuasi nilai tukar yang dipengaruhi oleh dinamika ekonomi, politik, dan sentimen pasar. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kepustakaan untuk mengkaji berbagai teknik peramalan, mulai dari perilaku pasar, model fundamental, hingga analisis teknikal. Hasil pembahasan menunjukkan bahwa meskipun tidak ada teknik yang sempurna, penggunaan metode campuran (mixed forecasting) dapat memberikan proyeksi yang lebih komprehensif untuk pengambilan keputusan strategis seperti hedging, pembiayaan, dan investasi jangka pendek maupun panjang. Selain itu, peramalan valas dalam perspektif syariah diperbolehkan selama ditujukan untuk pengelolaan risiko (hifz al-mal) dan perencanaan ekonomi nyata, serta terbebas dari unsur spekulasi (gharar dan maisir).
Studi Literatur: Inovasi Teknologi dalam Keuangan Internasional dan Implikasinya untuk Bisnis Global Adris Triseptina; Khairul Ikhsan Absy; Khaidar Rahmaini Jamila
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 1 (2026): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i1.8484

Abstract

Inovasi dalam dunia digital telah menghasilkan transformasi signifikan pada sistem keuangan global serta kegiatan bisnis internasional. Teknologi seperti layanan keuangan berbasis teknologi, blockchain, kecerdasan buatan, dan sistem pembayaran yang melintasi batas negara berfungsi untuk memperbaiki efisiensi transaksi, integrasi pasar finansial, dan akses terhadap layanan keuangan. Penelitian ini bertujuan untuk menganalisis kemajuan inovasi dalam teknologi keuangan secara global dan dampaknya terhadap efisiensi finansial serta daya saing bisnis di kancah internasional. Metodologi yang diterapkan adalah tinjauan pustaka dari publikasi ilmiah yang diterbitkan dalam lima terakhir, baik nasional maupun internasional. Temuan dari kajian ini menunjukkan bahwa inovasi dalam teknologi keuangan memberikan dampak positif terhadap efisiensi sistem keuangan global dan performa perusahaan di tingkat internasional, meskipun masih menghadapi masalah terkait regulasi dan keamanan informasi. Oleh karena itu, diperlukan kebijakan dan strategi yang bersifat adaptif untuk mendukung pemanfaatan teknologi keuangan secara berkelanjutan.
“INTEGRASI PASAR KEUANGAN INTERNASIONAL DAN NILAI TUKAR: SUATU STUDI LITERATUR KOMPREHENSIF" Yustia Dewi; Sonang Matua Siregar; Khaidar Rahmaini Jamila
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 1 (2026): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i1.8485

Abstract

The increasing integration of international financial markets has reshaped exchange rate dynamics and strengthened their linkage with global financial market movements. This study aims to comprehensively examine the relationship between international financial market integration and exchange rates through a literature-based approach. A semi-systematic literature review method is employed by analyzing five reputable scholarly journal articles relevant to the research topic. The synthesis of findings indicates that greater financial market integration heightens exchange rate sensitivity to external factors and positions exchange rates as a key component in the transmission mechanism of global financial shocks. Despite differences in research contexts and analytical approaches, the literature consistently highlights a strong and dynamic relationship between these two variables. This study contributes to a deeper conceptual understanding and structured mapping of the literature on the role of exchange rates within an increasingly integrated global financial system.
“Inovasi Fintech dan Manajemen Risiko Pasca-Pandemi: Kajian Bibliometrik Tren Riset Global" Cindy Antika; Ahmad Muntadzir; Khaidar Rahmaini Jamila
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 1 (2026): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i1.8551

Abstract

The acceleration of financial system digitalization in the post–COVID-19 period has positioned fintech innovation and risk management as strategic issues within international finance and business studies, alongside rising global economic uncertainty and increasing cross-border risk complexity. This study aims to map global research trends and identify dominant patterns in the literature on fintech innovation and post-pandemic risk management through a bibliometric-based literature review approach. The research employs a semi-systematic literature review by analyzing five relevant peer-reviewed journal articles, synthesized through thematic grouping and pattern-based analysis. The findings indicate a growing scholarly focus on the dual role of fintech as a driver of efficiency and financial inclusion, as well as a source of emerging non-traditional risks, while also revealing a persistent conceptual fragmentation between technological innovation and risk management frameworks. This study contributes to the international finance and business literature by offering an integrated overview of fintech and risk-related research trends and by highlighting avenues for more holistic and context-sensitive future studies.
International Islamic Banking Strategy In Economic Development In Facing The Challenges Of Fintech and Digitalization: Universitas Islam Negeri Sumatera Utara, Indonesia Khaidar Rahmaini Jamila; Dian Zahra Syahfitri Lubis; Keisya Putri Balqis; Yabib Fikri Rambe
Demagogi: Journal of Social Sciences, Economics and Education Vol. 4 No. 1 (2026): Februari
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/demagogi.v4i1.188

Abstract

Abstrak, The transformation of the global financial system has seen major changes from the increasing use of digital technology in a number of economic activities. Islamic banking at the international level is experiencing a new situation marked by cross-border competition, shifting customer behavior patterns, as well as the need for efficiency, transparency, and innovation in financial products and services. This study aims to analyze international Islamic banking strategies when supporting economic progress including responding to fintech challenges and the advancing stages of digitalization. The research method used is descriptive qualitative using a literature study approach by examining scientific journals, several books, and a number of other references. The results of the analysis show that international Islamic banking can adjust through optimizing digital technology, strengthening business models to adjust some sharia values, and adding strategic partnerships. It is concluded that the success of international Islamic banking in experiencing the digital era is ensured by the ability to maintain a balance of technological innovation and sustainable implementation of sharia principles in its modern global financial system. Keywords: KIslamic Banking, Fintech, Digitalization, Economy Abstract, Transformasi sistem keuangan global memperlihatkan perubahan besar dari bertambahnya pemanfaatan teknologi digital di sejumlahkegiatan ekonomi. Perbankan syariah di tingkat internasional mengalami situasi baru yang ditandai dari kompetisi lintas negara, perpindahan pola perilaku nasabah, jugakeharusan efisiensi, transparansi, serta inovasi produk hingga layanan keuangan. Penelitian ini ditujukan agar menganalisis strategi perbankan syariah internasional ketika mendukung kemajuan ekonomi termasuk merespons tantangan fintech serta tahapan digitalisasi yang terus maju. Metode penelitian yang dimanfaatkan ialah deskriptif kualitatif memakai pendekatan studi kepustakaan dengan menelaah jurnal ilmiah, beberapa buku, dan sejumlahreferensi lain. Hasil analisis memperlihatkan yakni perbankan syariah internasional bisa menyesuaikan lewat optimalisasi teknologi digital, penguatan model bisnis menyesuaikan beberapa nilai syariah, hingga penambahan kerja sama strategis. Disimpulkan yakni kesuksesan perbankan syariah internasional mengalami era digital sangat dipastikan dari kemampuan memelihara keseimbangan dari inovasi teknologi serta implementasi prinsip syariah dengan berkelanjutan pada sistem keuangan globalnya yang modern. Kata Kunci: Perbankan Syariah, Fintech, Digitalisasi, Ekonomi
Strategi Manajemen Modal Kerja Internasional pada Perusahaan Rantai Pasok Global di Era Disrupsi Digital : Analisis Library Research Wahyu Wahid; Tafana Ariani Harahap; Nurlela; Khaidar Rahmaini Jamila
MERDEKA : Jurnal Ilmiah Multidisiplin Vol. 3 No. 3 (2026): Februari
Publisher : PT PUBLIKASI INSPIRASI INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/merdeka.v3i3.6869

Abstract

The increasing complexity of global supply chains and the rapid acceleration of digital transformation have created new challenges for multinational companies, particularly in managing international working capital. Digital disruption has not only reshaped cross-border business operations and transactions but has also intensified liquidity risks, cash flow imbalances, and short-term financial uncertainty. These conditions require global supply chain companies to develop adaptive, integrated, and technology-driven working capital management strategies. This study aims to examine international working capital management strategies implemented by global supply chain companies in the era of digital disruption and to identify their implications for corporate stability and sustainability. The research employs a qualitative method using a library research approach. Data were collected through a systematic review of academic books, scholarly journal articles, and official reports from international institutions relevant to the research topic. Data analysis was conducted using content analysis techniques to identify key patterns, concepts, and findings within the literature. The results reveal four main findings: the importance of efficient management of cash, receivables, and inventories across countries; the strategic role of digitalization and data-driven approaches in enhancing transparency and decision-making speed; the significance of financial coordination among global supply chain actors; and the necessity of financial risk mitigation strategies amid global uncertainty.
Co-Authors Adris Triseptina Ahmad Muntadzir Asnawi Asnawi Cindy Antika Dian Zahra Syahfitri Lubis Dimas Pramudya fitri, yona Hikmah Indri Yani Harahap Keisya Putri Balqis Khairul Ikhsan Absy Mahanani, Yekti Muslim Marpaung Nurlela Risa Lidia Sonang Matua Siregar Tafana Ariani Harahap Tri Suci Irawan Wahyu Wahid Yabib Fikri Rambe Yustia Dewi