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INDONESIA
Indonesian Journal of Multidisciplinary Sciences
Published by CV. Era Digital Nusantara
ISSN : 29862426     EISSN : 29637635     DOI : 10.59066/ijoms
Core Subject : Economy, Humanities, Science, Social,
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences
Indonesian Journal of Multidisciplinary Sciences is a scientific journal published by CV. Era Digital Nusantara. The papers to be published in IJoMS are research articles (quantitative or qualitative research approaches), literature studies or original ideas that are considered to contribute to scientific studies of Economics, Law, Psychology, Sociology, Government and Politics.
Arjuna Subject : Umum - Umum
Articles 86 Documents
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ANALYSIS STUDY OF IBNU KHALDUN’S ISLAMIC ECONOMIC THOUGHT Amri, Ulil
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 1 No. 2 (2022): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (271.179 KB) | DOI: 10.59066/ijoms.v1i2.212

Abstract

Activities of economic that are oriented towards the Islamic Economics system are increasingly widespread in various countries, including Indonesia. The theory of Islamic Economics cannot be separated from the thoughts of figures who have contributed to laying the foundations and principles of Islamic economics. Scholars' thinking about Islamic economics in the classical period was very advanced and brilliant, far ahead of modern Western thinkers such as Jean Baptis Say, Ricardo, Adam Smith, and Keynes. Ibn Khaldun is an muslim economy who has a very vital role in the development of Islamic economics to date. This research aims to analyze the thought of Ibn Khaldun  to the development of Islamic Economics.
REVIEW ON THE IMPORTANCE OF TRANSPARENCY IN INTERNATIONAL TRADE BASED ON THE RULES OF THE WORLD TRADE ORGANIZATION Jessica Callista; Rahmat Dwi Putranto
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 1 No. 2 (2022): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (159.51 KB) | DOI: 10.59066/ijoms.v1i2.221

Abstract

This study aims to obtain information and analyze the rules of the World Trade Organization (WTO) regarding the importance of transparency in international trade between WTO member countries, where supporting information and data are needed in the sustainability of trade transactions. In international trade between WTO member countries, there are various economic, political and social backgrounds from developed countries (developed countries), developing countries (developing countries), and less developed (least-developed countries). This background encourages the strengthening of transparency in trade in goods and services through a mechanism that is agreed upon and implemented jointly, so that it is expected that each WTO member country can provide and obtain reliable and up-to-date information and supporting data. The transparency mechanism has the main objective of providing smooth trade in goods and services and reducing obstacles related to obtaining the required information and data. However, in implementing transparency, WTO member countries are also often faced with challenges, such as in the case of the global crisis of the COVID-19 pandemic whose impact has been felt by all WTO member countries. All stakeholders, starting from the government, employers, workers, and so on, need to work together in carrying out compliance with the transparency mechanism as stipulated in the WTO rules to realize smooth international trade.
THE FUNCTION OF CHILDREN SOCIAL RESEARCH AS A RECOMMENDATION TO JUDGES IN DECIDING JUNEVILE CRIMINAL JUSTICE CASES Asmawati, Hermi
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 1 No. 2 (2022): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (227.907 KB) | DOI: 10.59066/ijoms.v1i2.222

Abstract

Children who commit crimes need to get special treatment that is different from the process of adults. This is because the situations and conditions in the legal process make children who are dealing with the law take up a lot of their time to interact normally with other people, so that it will have an impact on their psychological disorders. Bapas plays an important role in accompanying Children in Conflict with the Law through Social Advisor who carry out Social Research, guidance, supervision, and assistance to Children inside and outside the criminal justice process. This study aims to analyze one of these functions, namely Social Research as one of the Judge's recommendations in deciding juvenile justice cases. The results of the study conclude that the Social Research Report is of great benefit to judges in making a decision on a case appropriately and fairly. Even if the judge's decision does not take into account the judge's decision, it can be stated that the decision is null and void.
MSME’s STRATEGY IN IMPROVING QUALITY DURING THE NEW NORMAL IN INDONESIA Novalia, Diah Adinda; Devina, Dhea; Maya Panorama
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 1 No. 2 (2022): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (173.738 KB) | DOI: 10.59066/ijoms.v1i2.223

Abstract

This study aims to identify and analyze strategies to improve the quality of MSMEs during the new normal which is affected by the Covid-19 pandemic. The research method used is descriptive qualitative method. The results obtained from this study indicate that there is a need for fast, precise and real steps from the government and business actors to cope with losses that have occurred due to the pandemic as well as utilize digital technology and follow the development of existing digital technology. such as promotions on social media and registering businesses to marketplace platforms, building personal branding, product innovation and diversification according to lifestyle.
ASSESSMENT OF CHARACTER AS A MAIN ASPECT IN THE IMPLEMENTATION OF PRUDENTIAL PRINCIPLES IN BRI'S MICRO BUSINESS CREDIT Hadilla Maryati; Amelia Septiyani; Putri Agustin; Taupik; Eko Saputra Wijaya; Qoriatu Khoiroti Zikriatillah; Auggie Riandri Putri; Nanda Syafitri; Eva Sabrina
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 1 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (203.772 KB) | DOI: 10.59066/ijoms.v2i1.284

Abstract

In carrying out its function as an intermediary institution, banks are required to apply the precautionary principle, in particular channeling funds through the provision of credit. In Article 29 Paragraph (2) of the banking law, Banks are required to maintain the Soundness level of the bank in accordance with the provisions on aspects of capital adequacy, asset quality, liquidity management, earnings, solvency and other aspects related to bank activities in accordance with the principle of prudence . The most important aspect in extending credit is the existence of a guarantee, especially material guarantees, it is urgent to apply the precautionary principle regulated in POJK NO 42/PJOK 03/2017 which requires banks to own and implement bank credit/financing policies.
HANDLING OF PROBLEM WORKING CAPITAL FINANCING IN INDONESIAN SHARIA BANK (BSI) Desy Safitri; Syarifa Yusni Putri; Maulisa Arianti; Muhammad Alfarid; Jeri Saputra; Aidil Pahmi; Muhammad Aqshal Wiranata; Muhammad Dicky Suandy; Tri Wina Handani
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 1 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (186.999 KB) | DOI: 10.59066/ijoms.v2i1.290

Abstract

Working capital financing is an important part of the Company's operations. For Islamic banks, working capital is one of the most important products offered to customers. However, in practice, there are cases of problematic working capital financing that can affect the financial stability of Islamic banks in Indonesia. The results of the study show that several factors cause problematic working capital financing at Bank Syariah Indonesia, including: the inability of debtors to fulfill their payment obligations, poor bank management in controlling the use of funds and high business risks in several sectors. Several possible strategies include tightening control and supervision of the use of financial assets, improving credit processes, diversifying the financial portfolio and strengthening risk management. cooperation between Islamic banks and external parties such as economic monitoring institutions and consulting service companies can help overcome problematic working capital financing. All these efforts must be supported by proper regulations and the development of qualified human resources in the field of Islamic finance. This study is expected to provide a better understanding of the problems of working capital financing at Bank Syariah Indonesia and provide recommendations to banks and regulators to improve the management of these problems.
UKT PAYMENT CONTRIBUTION TO THE EXISTENCE OF SHARIA BANKING Ferlita Natania; Sri Rahayu; Dela Setiawati; Ulfa Dhea Nova; Dila Puspita Sari; Ahmad Ridho; Hepi Agustini; Berliana; Pangestu
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 1 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (223.262 KB) | DOI: 10.59066/ijoms.v2i1.293

Abstract

Payment of UKT (Single Tuition Fee) by students at tertiary institutions in Indonesia has an important contribution to the existence and development of Islamic banking. UKT payments play a role in increasing the number of Islamic bank customers in Indonesia. UKT paid by students often involves the banking system to manage and distribute these funds. Many universities in Indonesia have collaborated with sharia banks to provide UKT payment facilities that comply with sharia principles. Through the involvement of Islamic banks in the UKT payment process, students tend to be more inclined to use Islamic banking products and services. Thus, UKT payments contribute to an increase in the number of Islamic bank customers in Indonesia. the use of funds from UKT payments can help the development of the Islamic economy in Indonesia. Funds collected from UKT payments can be used by Islamic banks to support Islamic economic activities, such as financing micro, small and medium enterprises (UMKM) in accordance with sharia principles. Through the utilization of these funds, Islamic banks can provide financial access to sharia-based business actors, thereby strengthening the Islamic economic sector in Indonesia. In addition, funds from UKT payments can also be used for sharia banking product development and innovation, increasing operational efficiency, and expanding the range of services.
IMPLEMENTATION OF OJK REGULATIONS AND SUPERVISION IN THE COLLECTION OF DEPOSIT FUNDS AT BANKS Fikri Ramadon; Intan Mesa Juita; Maulydia Anggraini; Marina; Ruri Lerian Trisha; Tasya Putri Fadilla; Karen Amelia; Aryani; Aliyyah Oktadyta
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 1 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (90.726 KB) | DOI: 10.59066/ijoms.v2i1.294

Abstract

Collection of deposit funds is an important component in banking activities that supports the expansion of the financial industry by providing stability and confidence to depositors. The process of licensing and registering a bank as a body authorized to collect funds, as well as setting rules related to the interest rate period, and customer protection, are all part of the implementation of the Financial Services Authority (OJK). The purpose of this study is to examine how OJK is used and supervised when banks collect deposit funds at banks. The technique used is a literature review and analysis of regulations related to regulations and guidelines issued by the OJK to regulate and supervise the collection of deposit funds in banks.
ANALYSIS OF THE INFLUENCE OF NON-PERFORMING CREDIT POLICIES ON CONVENTIONAL BANK FINANCIAL STABILITY IN INDONESIA Nyimas Amanda Aulia; Kiagus Rachmad Kurniawansyah; Erika Amalia; Bagus Hidayat; Anggun Suseno; Elda Yanti; Tri Danela Marses; Abizar Markin; Muhammad Rizky Saputra
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 1 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (93.25 KB) | DOI: 10.59066/ijoms.v2i1.300

Abstract

Credit risk is the risk that occurs when customers fail to fulfill their obligations to the bank, both principal and interest. (Risna Eka Peratiwi, 2018 )The non-performing loan policy is a step taken by a bank to overcome credit risks arising from bad or uncollectible loans. Financial stability is an important indicator in determining the financial soundness and continuity of a bank's operations. The purpose of this research is to examine and find out the influence of non-performing credit policy arrangements on financial stability, identify the factors that can influence non-performing credit policy arrangements on financial stability, and analyze how the strategy of the Financial Services Authority (OJK) increases the effectiveness of non-performing credit policies on financial stability in Commercial Banks in Indonesia. The results of this study indicate that non-performing credit arrangements have a significant influence on financial stability in conventional commercial banks in Indonesia, by implementing effective non-performing credit policies, banks can reduce the risk of non-performing loans, strengthen financial position and at the same time increase overall financial stability. . Several factors that are significant in setting non-performing loan policies include the quality of the bank's financial condition, the quality of a bank's risk management, and the development of the banking industry. As well as the research results show that OJK implements several strategies in its efforts to increase the effectiveness of a non-performing loan policy regulation. by implementing an effective non-performing credit policy, banks can reduce the risk of non-performing loans, strengthen their financial position and at the same time increase overall financial stability. Several factors that are significant in setting non-performing loan policies include the quality of the bank's financial condition, the quality of a bank's risk management, and the development of the banking industry. As well as the research results show that OJK implements several strategies in its efforts to increase the effectiveness of a non-performing loan policy regulation. by implementing an effective non-performing credit policy, banks can reduce the risk of non-performing loans, strengthen their financial position and at the same time increase overall financial stability. Several factors that are significant in setting non-performing loan policies include the quality of the bank's financial condition, the quality of a bank's risk management, and the development of the banking industry. As well as the research results show that OJK implements several strategies in its efforts to increase the effectiveness of a non-performing loan policy regulation. the quality of a bank's risk management, and the development of the banking industry. As well as the research results show that OJK implements several strategies in its efforts to increase the effectiveness of a non-performing loan policy regulation. the quality of a bank's risk management, and the development of the banking industry. As well as the research results show that OJK implements several strategies in its efforts to increase the effectiveness of a non-performing loan policy regulation.
IMPLEMENTATION OF PRUDENTIAL PRINCIPLES AND RISK MANAGEMENT IN SHARIA BANK FINANCIAL MANAGEMENT (CASE STUDY OF INDONESIAN SHARIA BANK) Dwini Apriantami; Aliyah Tulhimma; Rosya Ilma Nafiah; Nova Rahma Daniarti; Putri Deswita; Muchlis Ramananda; Dwi Ilmi Kayana; Harmeindah Prameska
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 1 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (88.513 KB) | DOI: 10.59066/ijoms.v2i1.303

Abstract

This study aims to analyze the application of prudential principles and risk management in the financial management of Islamic banks by conducting case studies on Islamic banks in Indonesia. Islamic banks have the unique characteristic of having to adhere to Islamic principles in all aspects of their operations, including financial management. Prudence becomes very important in Islamic banks to ensure the sustainability and stability of their operations. In this context, risk management has an important role in identifying, evaluating, and managing the risks associated with Islamic banking activities. This study focuses on risk management related to financial aspects, including credit risk, liquidity risk, market risk and operational risk. Analysis is conducted to assess the level of application of prudential principles and risk management by Islamic banks in financial management. The results of the study show that Islamic banks in Indonesia generally use the principle of prudence and risk management in managing their finances.

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