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All Journal ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Menulis: Jurnal Penelitian Nusantara
Amara Amarwati
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Religion Education Social Sciences Other

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Dampak Kebijakan Reshuffle terhadap Ketahanan Mata Uang Nasional Siviana Dewi; Zahroh Syifaus T; Zulfatur Rofiah; Kholivia Lailatus S; Amara Amarwati
Menulis: Jurnal Penelitian Nusantara Vol. 1 No. 12 (2025): Menulis - Desember
Publisher : PT. Padang Tekno Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/menulis.v1i12.827

Abstract

Stabilitas nilai tukar Rupiah merupakan indikator penting kesehatan ekonomi Indonesia dan daya tarik investasi. Penelitian ini menganalisis dampak kebijakan reshuffle kabinet terhadap ketahanan mata uang nasional melalui mekanisme sentimen pasar dan arus modal. Menggunakan pendekatan kajian literatur sistematis terhadap peristiwa reshuffle periode 2005-2025, penelitian ini menunjukkan bahwa reshuffle kabinet memiliki dampak signifikan terhadap nilai tukar Rupiah melalui jalur ketidakpastian kebijakan. Hasil analisis menunjukkan bahwa reshuffle yang dipicu krisis ekonomi atau ketidakpastian politik menghasilkan dampak negatif berupa pelemahan Rupiah hingga 1-2%, sementara reshuffle yang melibatkan penunjukan teknokrat kredibel dapat memperkuat nilai tukar melalui pemulihan sentimen investor. Variabel moderator seperti kondisi ekonomi global, profil menteri yang ditunjuk, dan alasan reshuffle menentukan besar-kecilnya dampak terhadap ketahanan mata uang. Temuan ini memberikan implikasi penting bagi pengambil kebijakan dalam mengelola komunikasi reshuffle untuk meminimalkan volatilitas pasar keuangan.
Analisis Risiko Pembiayaan pada Produk Cicil Emas di BSI KFF Jember Politeknik Negeri Zulfatur Rofiah; Amara Amarwati; Nurul Setianingrum
ARZUSIN Vol 6 No 4 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i4.10408

Abstract

The Cicil Emas product is one of the investment financing products offered by Bank Syariah Indonesia (BSI) and is popular among the public because it facilitates gold ownership through an installment mechanism in accordance with sharia principles. However, the increasing public interest in this product is also accompanied by various risks that need to be managed effectively so that financing quality can be maintained. This study aims to analyze financing risks in the Cicil Emas product and the implementation of risk management carried out by BSI KFF Jember Politeknik Negeri in managing these risks. This study used a qualitative method with a descriptive approach. Data were obtained through observation, interviews, and documentation, with primary data sources from the bank and secondary data from books, journals, company documents, and other supporting sources. Data were analyzed using the interactive model of Miles and Huberman, which includes data collection, data reduction, data display, and conclusion drawing. The results show that the main risks in the Cicil Emas product include financing risk, market risk, and operational risk. To manage these risks, BSI KFF Jember Politeknik Negeri implements risk management through the stages of risk identification, measurement, monitoring, and control in accordance with applicable regulations. Risk management implementation is carried out through 5C analysis, periodic financing monitoring, determination of the Loan to Value (LTV) ratio, customer education, and improvement of human resource competence. The conclusion of the study affirms that the implementation of risk management in the Cicil Emas product plays an important role in maintaining financing quality and minimizing potential risks that may affect financing performance. The implications of this study provide practical contributions for Islamic banking institutions in strengthening investment financing risk governance based on murabahah in a more measurable, prudent, and sustainable manner.
Co-Authors Kholivia Lailatus S Nurul Setianingrum Siviana Dewi Zahroh Syifaus T Zulfatur Rofiah