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All Journal Priviet Social Sciences Journal Journal of Business and Management Inaba EKOBIMA Ekonomi Bisnis dan Manajemen MBA Journal – Management, Business Administration, and Accounting Journal
Riani Winarni
Universitas Sains Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Foreign Exchange Reserve Management And Economic Stability : A Case Study of Indonesia in Facing the Global Economic Slowdown Nisa Septiani; Iwan Setiawan; Riani Winarni
Jurnal Ekonomi Bisnis dan Manajemen Vol. 4 No. 1 (2026): EKOBIMA: Jurnal Ekonomi Bisnis dan Manajemen - Juni 2026
Publisher : POLITEKNIK LP3I

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38204/ekobima.v4i1.2913

Abstract

This study aims to analyze the role and management strategies of foreign exchange reserves in maintaining Indonesia’s economic stability amid the global economic slowdown. The global slowdown, driven by geopolitical uncertainty, monetary policy tightening, and financial market volatility, has exerted pressure on developing countries, including Indonesia, through trade, exchange rate, and capital flow channels. This study employs a qualitative approach with a case study method, utilizing secondary data from reports of the International Monetary Fund (IMF), World Bank, and publications from Bank Indonesia. Data analysis is conducted using content analysis. The results show that the global economic slowdown has led to declining export performance, exchange rate volatility, and fluctuations in capital flows in Indonesia. In this context, foreign exchange reserves play a strategic role as a shock absorber in mitigating external pressures. However, their effectiveness is determined not only by the level of reserves but also by adaptive and prudent management strategies. This study highlights that economic stability is also influenced by the synergy between monetary and fiscal policies, as well as the strengthening of the domestic economic structure.
The Integration Of Financial Technology, Financial Literacy, And Self-Control In Shaping Financial Well-Being: A Behavioral Finance Approach Among Millennials Nisa Septiani; Dina Yulia Wijaya; Riani Winarni
Journal of Business and Management Inaba Vol. 5 No. 1 (2026): Volume 5 Number 1, June 2026
Publisher : Universitas Indonesia Membangun (Inaba)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56956/f3pbqw61

Abstract

Digital financial platforms are becoming an important part of millennials’ daily financial activities, influencing how they make transactions and manage their finances. Although fintech offers convenience and accessibility, its increasing use is also associated with consumptive behavior and impulsive financial decision-making. This research focuses on understanding how technological, cognitive, and behavioral factors contribute to financial well-being among millennials. A phenomenological qualitative design was utilized to obtain deeper insights into millennials’ financial experiences in the digital era. Data was collected through in-depth interviews with millennials who actively use fintech services such as e-wallets, pay later facilities, and digital investment platforms. Selected participants who met the research criteria were involved in the study, and thematic interpretation was utilized to understand issues connected to financial behavior and financial well-being. The study indicates that fintech utilization simplifies digital financial activities, although excessive use may stimulate impulsive spending when individuals have limited financial understanding and weak behavioral regulation. Financial literacy contributes to improving the quality of financial decision-making, Individuals with stronger self-control tend to be more capable of controlling spontaneous spending behavior. Furthermore, the study demonstrates that financial well-being is formed through the interaction among technological, cognitive, and psychological factors. Millennials who are able to balance fintech utilization with financial understanding and behavioral control tend to exhibit better financial stability and financial well-being. The research offers an integrative perspective regarding financial behavior in digital financial environments. The findings also provide practical implications for improving financial literacy and promoting responsible fintech usage among millennials.
Inovasi Produk dan Model Bisnis Pestisida Ramah Lingkungan Berbasis tanaman lokal dalam meningkatkan Kesejahteraan Ekonomi Petani Pina Piona; Kiki Rizqi Ananda; Eka Septianus Nakiza; Tri Sanatha Wahyu Akbar; Riani Winarni; Yoki Muchsam
MBA Journal – Management, Business Administration, and Accounting Journal Vol. 2 No. 02 (2026): MBA Journal – Management, Business Administration, and Accounting Journal
Publisher : Universitas Sains Indonesia Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Improving farmers’ economic welfare has become one of the main challenges in Indonesia’s agribusiness sector, particularly due to high agricultural production costs and dependence on synthetic chemical pesticides that negatively affect health and environmental sustainability. This study aims to develop both an innovative product and a sustainable business model for environmentally friendly botanical pesticides based on local resources in order to create economically valuable and sustainable business opportunities. The product utilizes soursop leaves (Annona muricata) and papaya leaves (Carica papaya) as the main raw materials, which are easily accessible and low-cost. This study employed a mixed methods approach through a combination of field trials, structured interviews, business feasibility analysis, and market potential analysis using the TAM-SAM-SOM method. Field trials were conducted with horticultural farmers in Cikole Village to evaluate product effectiveness and user acceptance. The results showed that this botanical pesticide innovation effectively reduced pest attacks, with 90% of respondents reporting significant reductions in pest infestation and all respondents stating that the product was easy to use and environmentally safe. From a business perspective, the product has an initial market potential (Serviceable Obtainable Market/SOM) in the Sukabumi, Cianjur, and Bogor regions estimated at approximately IDR 1.7 billion per year. Financial analysis indicates a high level of business feasibility, with an estimated monthly gross profit of IDR 534,500,000 and a payback period of approximately 5–6 months. The developed business model emphasizes the utilization of local resources, production cost efficiency, and partnership strategies involving farmers as both producers and consumers. The implications of this study indicate that the integration of product innovation and sustainability-based business models can increase agribusiness added value, strengthen farmers’ economic independence, and support sustainable agricultural practices. This study also contributes to the development of innovation and entrepreneurship literature in local resource-based agribusiness.
Co-Authors Ade Munhiar Atik Sari Bayu Prastiyo Nurdiana Dina Yulia Wijaya Eka Septianus Nakiza Eka Septianus Nakiza Fahrurrazi Fahrurrazi Fahrurrazi Fahrurrrazi Firly agustiansyah Galih Raspati Herni Herdiani Irma Shantilawati Iwan Setiawan Kiki Rizqi Ananda Mawih Melati Peronika Simanjuntak Muchsam, Yoki Muhammad Ferdiansyah Saef Al Rahman Mulfi Sandi Yuda Nisa Septiani Pina Piona Rizki Chrisulianti Septiani, Nisa Suryadi Tri Sanatha Wahyu Akbar Tri Sanatha Wahyu Akbar Umban Adi Jaya Yuyun Yuniati Yuningsih