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M. Iqbal
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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 92 Documents
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ANALYSIS OF MENTEN VILLAGE FUND MANAGEMENT, RAMBUTAN SUB-DISTRICT Masayu Meysy Raudathul Jannah; farrel, farrel faadihilah; Enti, Wati Surtiningsih; Bayu aia , Bayu saputra; Embull, Siti Ambarwati; Almunawar, Muhammad Rafi Almunawar; Rafli, M.Rafli Adithio
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 2 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/ijoms.v2i2.328

Abstract

This study aims to determine and describe the management of village funds in community empowerment in Menten Village, Rambutan District, Banyuasin Regency, namely in planning the implementation of administration, reporting, and accountability according to applicable procedures and rules. In addition, this study also aims to determine the inhibiting factors and supporting factors in managing village funds. This study used a qualitative descriptive method through a purposive sampling method. The data consists of information, namely the head of the village and development while the informants are the heads of the RT and the village community. Data collection techniques through observation, interviews, and books or journals. The results of the study show that Menten Village, Rambutan District, and Banyuasin Regency have implemented Village Fund management, although it is not yet optimal, it is still constrained by low human resources. This is known from the results of village development planning meetings which are monotonous every year. The reporting and accountability of the village government in managing village funds are carried out in accordance with applicable government regulations or provisions.
IMPLEMENTATION OF BANK RAKYAT INDONESIA (BRI) SUPERVISION SYSTEM IN AN EFFORT TO PREVENT FRAUND IN BANKING SERVICE SYSTEM Dedi Heryanto, Siti Robiati; Bastomi, Dwi Masria; Amran Muslimin, Zikrillah; Heri, M. Farhan Arrafi; Dadang Rahman, M. Ripaldy; Mahidin, Nurhayati; Imronniansyah, Jesica Natania
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 2 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/ijoms.v2i2.332

Abstract

It is important for Bank BRI to implement an effective fraud prevention control system in the banking service system. The purpose of this article is to analyze how Bank BRI implements a control system to prevent fraud from occurring in the banking service system. In addition, this study aims to determine the factors that hinder the implementation of the BRI control system. The research method uses a descriptive approach by gathering information from secondary sources such as related literature, bank regulations and financial reports. The results of this study indicate that BRI Bank implements various steps in the control system, including event monitoring, information security, training and awareness raising, as well as internal and external audits. However, this study also identified several factors that complicate the implementation of BRI's control system. These factors include limited resources such as budgets and personnel, the technological complexity of modern banking systems, and compliance with established regulations and policies. To increase the effectiveness of the control system, Bank BRI must overcome these obstacles by allocating adequate human resources, developing capabilities to respond to technological developments, and increasing compliance with banking laws. It is hoped that BRI's control system can work more effectively to prevent fraud and maintain customer trust in the banking services provided
THE IMPACT OF THE INCREASING COOKING OIL PRICE ON THE ECONOMIC STABILITY OF TRADERS AND BUYERS IN INDONESIA: English Ramadhini Fitri, Azzahra; Yelly Agustiani; M Rendy Gunawan; Nabilah; Retri Actita Sari; Mitra Anggrainy
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 2 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/ijoms.v2i2.333

Abstract

An increase in the price of cooking oil is an event that often occurs in Indonesia and can have a major impact on the economies of both sellers and buyers. The purpose of this research is to evaluate the effect of rising cooking oil prices on the economic stability of sellers and buyers in Indonesia. This study uses a qualitative method with a data collection approach through interviews, field observations, and analysis of related documents.
FACTORS CAUSING PROBLEMS IN MURABAHAH FINANCING IN SHARIA COMMERCIAL BANKS M.Yani, Rona Fatima Agna; Nurul, Nurul Putri Ramadhan; Abdul Rozak, Aqilal Zaky Afiya; Sopian, Muthia Lestari; Sugeng Wijaya, Nabila Maulidia
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 2 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/ijoms.v2i2.334

Abstract

Problematic murabahah financing is the risk of congestion in financing distribution. In addition to paying attention to the eligibility of customers, the distribution of financing must also pay attention to sharia principles and the principle of prudence. This writing aims to find out how the factors that cause problematic murabahah financing in Islamic commercial banks and want to find out how to resolve problematic murabahah financing in Islamic commercial banks. This research uses the library study method, this is done because the library sources are obtained from journals, research reports, accredited articles and other sources. The approach in this study uses descriptive qualitative. in the distribution of sharia commercial bank financing, it is in accordance with what is carried out by sharia banks in general by using the precautionary principle. Factors causing problematic murabahah financing in Islamic commercial banks are risks that are beyond the bank's control, customers misusing funds and customer business skills that are less than optimal. In murabahah financing, the problems are caused by two factors, namely internal and external factors. Problematic murabahah financing at Islamic commercial banks is still in the healthy category. The method of solving troubled murabahah financing in Islamic commercial banks means gradual correspondence and financing restructuring. In the troubled murabahah financing settlement method at Islamic commercial banks, if the customer's installments cannot be resolved by means of restructuring, then the guarantee application is carried out using a voluntary system.
THE IMPACT OF UNEMPLOYMENT AND POVERTY LEVELS ON THE ECONOMY OF SOUTH SUMATRA Angelica, Anggun; Yahya, Bella Desvi; Putri, Helen Amelia; Fakhirah, Nailah; Rahmawati, Tri Putri; Apriani, Rizki; M. Imami Akbar; Gufito Ramadhan
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 2 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/ijoms.v2i2.337

Abstract

This research is to determine the effect of unemployment and poverty on economic growth in South Sumatra Province in 2020-2022. The purpose of this study was to determine the effect of unemployment and poverty on economic growth in South Sumatra Province. The results of the study show that unemployment and poverty affect economic growth in South Sumatra Province. The results of this analysis indicate that unemployment and poverty rates have a significant impact on the economy of the people of South Sumatra. High unemployment rates lead to low people's incomes, lack of purchasing power, and reduced consumption.
THE ROLE OF MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMES) IN SUPPORTING THE INDONESIAN ECONOMY Salsabillah, Winda; Hafizzallutfi; Uut Tarissyaa; Nur Azizah; Thia Fathona; Muhammad Raihan
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 2 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/ijoms.v2i2.339

Abstract

Indonesia's economy has great potential to achieve sustainable and inclusive growth. In this context, Micro, Small, and Medium Enterprises (MSMEs) play an important role in supporting the country's economy. This paper aims to analyze the role of MSMEs in supporting the Indonesian economy and how strengthening the MSME sector can have a positive impact on economic growth, job creation, and reducing economic disparities in the country.
REGULATION, SUPERVISION, AND IMPLEMENTATION OF SHARIA PRINCIPLES IN BANKING BY OJK (ANALYSIS OF LEGAL ASPECTS AND CHALLENGES) Salwatun Aslamia; Ahmed Fatir Sadikin; Muhammad Agil Saputra; Yeni Yulia Kusuma; Tiana Nataza; Rangga Okrio Saputra
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 2 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/ijoms.v2i2.344

Abstract

Banking institutions play an important role in the economic development of the country. Banks are intermediary institutions that cannot be separated from people's lives. Sharia banking is part of the existing banking system in Indonesia which has its own challenges in implementing sharia principles and maintaining its stability. Prior to the establishment of OJK (Financial Services Authority), Bank Indonesia had full authority in supervising the financial services industry, including banking. The Financial Services Authority was established as an answer to problems that arose in the banking sector after the crisis in several national banks. The OJK Law which came into force on November 22, 2011 authorizes OJK to conduct supervision, regulation and investigation in the banking sector in Indonesia. This study discusses the legal aspects of banking regulation and supervision as well as the implementation of sharia principles in OJK sharia banking. The research methods used are legal approaches and literature reviews. The results of the study show that OJK has an integrated regulatory and supervisory function in the entire financial services sector. OJK is considered a superior institution with great authority. OJK also plays a role in regulating and supervising Islamic banking
THE IMPACT OF CHANGES IN BANK INDONESIA'S INTEREST RATE POLICY ON THE LIQUIDITY OF CONVENTIONAL COMMERCIAL BANKS Zulkifli Ramadhan; Febriyanti, Zahara; Rahmawati, Putri; Lestari, Ayu; NurHalimah, Siti; Nur Oktavia, Andini; Feriskinanti, Pamesti Ajeng; Juniarti, Nola Tri
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 2 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/ijoms.v2i2.345

Abstract

This study aims to examine the impact of Bank Indonesia's interest rate policy on customer savings decisions regarding choosing savings products in conventional banks, as well as its effect on the liquidity of these banks. The research utilizes a literature review method with a qualitative descriptive approach. The results and discussion indicate that the offered interest rates by conventional banks significantly influence customer behavior in selecting savings products. Changes in interest rates can affect customers' inclination to save in banks and consequently impact the liquidity of conventional banks. Other factors that influence customer decisions include product promotions, service quality, and customer preferences. While changes in Bank Indonesia's interest rate policy can affect customer loyalty to banks, customer preferences in choosing savings products are also influenced by other non-interest rate-related factors. This study provides an in-depth understanding of the impact of interest rate changes on the liquidity of conventional banks, offering valuable insights for Bank Indonesia and conventional banks in formulating effective policies to maintain financial sector stability and foster sustainable economic growth.
GOVERNMENT'S STRATEGY TO OVERCOME THE IMPACT OF FISCAL AND MONETARY POLICY ON THE INDONESIAN ECONOMY Nabila Aqila Ghania; Farhan, Farhan; Hanifah Rahmadhani; Meta Eriska; Jenifer; A. Rahman; Sandes Pratama
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 2 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/ijoms.v2i2.352

Abstract

The government's strategy was previously under pressure to improve the economy, one of which is the implementation of fiscal policy. This is because the Covid-19 pandemic in previous years had an impact on all sectors, especially the financial sector. Now with its fiscal policy adjusting between government revenue and spending. Part of the government's fiscal policy during the pandemic, namely the tax relief program aimed at easing the burden on taxpayers and reorienting the 2020 State Budget to increase government spending. Through in-depth research and analysis of the government's strategy for overcoming the impact of fiscal and monetary policies on the economy, it is hoped that a better understanding of government actions in encouraging inclusive and sustainable economic growth in the Indonesian economy will be provided.
ANALYSIS OF FACTORS INFLUENCING THE UNEMPLOYMENT RATE ON POVERTY RATE IN INDONESIA Fitri Indri Wahyuni; Syalsa, Syalsa Billa Aulia Hakim; Wanda, Wanda Lestari; Azhari, M. Azhari Ramadhan; Fahri, Fahri Reza
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 2 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/ijoms.v2i2.354

Abstract

Poverty is a multifaceted problem related to low incomes, illiteracy and poor health, gender inequality and precarious living conditions. Getting out of poverty cannot happen automatically Apart from the problems of unemployment, education, health and others which are clearly closely related to the problem of poverty. Poverty is one of the problems faced by developing countries, including Indonesia. In Indonesia, poverty is a problem The problem of unresolved poverty varies between provinces in Indonesia, but the focus is on the people. The poverty rate in Java is very high compared to other provinces in front of the island of Java. Even though each region has accessibility and facilities to meet the needs of life. Especially the province of Java Where it is easy to get to government centers and vice versa Regions from the center to Java compared to areas outside Java Java Island This study looks at GDP, education (literacy), unemployment (TPT), poor life expectancy in Java Island 2005-2011.

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