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Journal of Finance, Economics, and Business
Published by Laboratorium Riset Ekonomi
ISSN : -     EISSN : 29881234     DOI : https://doi.org/10.59827/jfeb.v1i1
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Journal of Finance, Economics, and Business (JFEB) is a journal that publishes scientific articles in the fields of economics, finance, and business with focus areas on the Asia-Pacific region. The Journal of Finance, Economics, and Business (JFEB) is published online twice a year in May and November. All processes in this journal use the Online Journal System (OJS). Articles published in this journal will go through a peer-review process.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 62 Documents
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ANALYSIS OF SHARIA ECONOMIC DEVELOPMENT THROUGH THE ROLE OF NATURAL RESOURCES AND HUMAN RESOURCES IN SURABAYA Salsabila, Naura Zhalfa; Hurin In, Nazilah; Haq, Wahyu Fajar Dhiyaul
Journal of Finance, Economics and Business Vol. 3 No. 1 (2024): JFEB, May 2024
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v3i1.113

Abstract

Economic development is a serious concern. darkness that has received a lot of applied enlightenment. The government and nation are striving to implement the understanding of reform. In providing quality human resources, it is important to instill a religious basis and expertise. When these two things become a guide, quality human resources will emerge. In the context of Surabaya, the role of natural resources is also relevant. However, this research emphasizes the role of human resources as the main key in strengthening the Sharia economy. By combining religious knowledge and expertise, human resources can contribute significantly to economic development based on the principles of Islamic principles.
Optimizing ZISWAF as a Social Safety Nets: A Lesson from COVID-19 Pandemic Paksi, Girindra Mega; Indraswari, Citra Rahayu; Kadji, Dzuliyati; Aulia, Dynda Fadhlillah
Journal of Finance, Economics and Business Vol. 3 No. 1 (2024): JFEB, May 2024
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v3i1.118

Abstract

Introduction: Safety nets are needed in the economic and non-economic sectors to overcome the adverse effects of the disaster. The past COVID-19 pandemic has shown the importance of a safety net to prevent extreme poverty due to disasters. In this case, ZISWAF assets should be used as a safety net to prevent a decline in people's welfare due to various disasters that will occur in the future. Therefore, this study aims to explore the potential of ZISWAF assets as a safety net in the future Methods: This study uses the Literature Review method, comparing various result from researches to form a comprehensive review Results: The study results show that ZISWAF assets in the past have been used to improve people's welfare. However, there seems to be a paradigm shift today where ZISWAF, particularly in Indonesia, is only used to fulfill worship purposes, not to encourage people's welfare. Several potential method is available to be used as choices to optimize ZISWAF Conclusion and suggestion: It is hoped that innovations will be made to utilize ZISWAF assets to be used as a social safety net in the future to optimize ZISWAF
EMPLOYMENT POLICY IN INDONESIA FROM AN ISLAMIC ECONOMIC PERSPECTIVE Akmal, M. Irsyadu Robbi; Fatimah, Fatimah; Jihan, Sabrina Aura
Journal of Finance, Economics and Business Vol. 3 No. 1 (2024): JFEB, May 2024
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v3i1.119

Abstract

The government has an important role in employment which influences the development of the country and its economy. Unfortunately, Indonesia has a lot of demand and supply for employment, especially regarding wage levels. This research aims to explain comprehensively about employment through data analysis, describing the problems that exist in Indonesia, where our country is famous for its culture and religion, however, besides that, the policies that occur in Indonesia often change, Therefore, policies must be maintained with real attention to targets. Labor is a person's obligation to do something on the orders of a superior to achieve a goal, so the agency must pay attention to labor wages in order to achieve expectations, apart from being a guarantee of labor, wages are also a reward given by the employer to its workers, the policy between employment and the wages they achieve. must be truly equivalent to what is being done. Labor in Islam is an effort that is carried out continuously to achieve a hope.
Analysis of Economic Improvement through Sharia Economic Resource Development Towards Sustainable Prosperity in Indonesia Adibah, Alda Naila; Zakariya, Achmad
Journal of Finance, Economics and Business Vol. 3 No. 1 (2024): JFEB, May 2024
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v3i1.120

Abstract

This article discusses an analysis of economic improvement through the development of sharia economic resources to achieve sustainable prosperity in Indonesia. With the background of sharia economics as a system that emphasizes common interests and fair distribution of wealth, the article outlines the role of fatwas as a form of regulation in the development of sharia economics in Indonesia. Even though Indonesia has a majority Muslim population, the growth of the sharia banking industry is faced with challenges of sharia banking literacy and inclusion. Using the library research research method, the article presents the results of an analysis of sharia economic resource development by highlighting the existence of sharia banks and the role of financial institutions in improving community welfare. The development of sharia economic resources also includes the growth of the sharia economic sector in the era of globalization, with a focus on sharia financial institutions such as banks, insurance, pawnshops, capital markets, mutual funds, and Baitul Mal wat Tamwil (BMT). Next, the article discusses the challenges and opportunities faced in sharia economic development, especially related to sharia banking literacy and inclusion. In the context of the digital era, the adaptation of Islamic banks to changes and the use of technology is crucial to seize opportunities for product development and quality human resources. The article highlights the importance of data security, cost efficiency, and the role of technology in facing challenges amidst the ever-growing dynamics of sharia banking
Reconstruction of Sharia Economic System in Indonesia in Sharia Banking Wulandari, Elsa Dwi; Arishandy, Mulya Andana; Imtiyaz, Nakhwah Bahirotul
Journal of Finance, Economics and Business Vol. 3 No. 1 (2024): JFEB, May 2024
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v3i1.121

Abstract

This article discusses the reconstruction of the Islamic economic system in Indonesia, particularly in the sector of Islamic banking. The Indonesian government has taken significant steps to support the development of Islamic banking, ranging from the phase of Islamic value freedom to specific regulations. Despite its rapid growth, Islamic banking still faces challenges, especially in the implementation of murabahah financing contracts. The article also highlights government policies aimed at enhancing the role of Islamic banking and adapting to economic and technological changes. The strategic transformation of Islamic banking into the digital realm is considered essential to meet customer needs with a focus on satisfaction. The implementation of policies, including credit relaxation for Small and Medium Enterprises (SMEs), is part of the government's efforts to support the economy through Islamic banking. The development roadmap for 2020-2025 emphasizes the creation of an efficient and contributive Islamic banking system to the national economy. This article provides a comprehensive overview of the restructuring of Islamic banking in Indonesia through a literature research approach, emphasizing the government's role, addressing challenges, stimulating digital innovation, and implementing policies for the sustainable development of Islamic banking
Dynamics of Sharia Economic Development: Halal Industry Product Strategy Aida, Farchati Umu; Imarotul, Salsabila; Khafsoh, Saniatul
Journal of Finance, Economics and Business Vol. 3 No. 1 (2024): JFEB, May 2024
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v3i1.122

Abstract

This article aims to describe how the halal industry strategy has a significant effect on the dynamics of Islamic economic development. Indonesia also has great potential to develop the halal sector. Certainly, Indonesia's large Muslim population has implications related to this huge potential. Due to the large Muslim population, there is a high demand for halal products. The researcher also noted the opportunities and difficulties in developing the halal industry sector in Indonesia. In an effort to provide deeper insight into the issues mentioned above, researchers attempt to conduct an evaluation of the literature pertaining to the research subject
SHARIA HOUSING: MARKETING STRATEGY IN PROPERTY BUSINESS AT SUKAMANAH ISLAMIC VILLAGE PURWAKARTA Muhammad Fauzan Nur Syaban; Ade Irvi Nurul Husna; Adriansah
Journal of Finance, Economics and Business Vol. 3 No. 2 (2024): JFEB, November 2024
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v3i2.145

Abstract

The purpose of this research is to determine the marketing strategy implemented by Sharia Housing based on the theory explained by Philip Kotler and Gary Armstrong, namely market segmentation, market targeting, market positioning and differentiation. The research method used is descriptive qualitative. The research was conducted in one of the sharia housing complexes located in Purwakarta Regency, West Java Province. Data collection was carried out by observation, interviews and documentation studies. Researchers triangulated data sources. Researchers examine in depth programs, events, processes and activities related to the research object. The research results show that the market segments determined are divided into four segments, namely based on psychographic factors, potential consumers want housing with a sharia residential concept with usury-free financing; based on demographic factors, the average potential customer is 28-50 years old; based on geographical factors, prospective customers work as employees who work in the nearest industrial area; Based on behavior, prospective consumers on average work as employees. Housing managers set a target market, namely potential buyers who have incomes above 5 million rupiah. Differentiation and market positioning, housing which is the differentiator is the type of house. There is the American Farmhouse house type which has become a housing icon.
FROM EXCLUSION TO INCLUSION: THE ROLE OF FINANCIAL TECHNOLOGY IN ENHANCING SUSTAINABILITY PERFORMANCE IN INDONESIAN MUSLIM MSMEs Apia Dewi Agustin; Muhammad Hanif Ibrahim
Journal of Finance, Economics and Business Vol. 3 No. 2 (2024): JFEB, November 2024
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v3i2.147

Abstract

Purposes: This study aims to reveal the impact of financial technology (FinTech) in enhancing the sustainability performance of Indonesian Muslim Micro, Small, and Medium Enterprises (MSMEs). Furthermore, this study also investigates the mediating roles of financial literacy, financial accessibility, competitiveness, and green innovation, and the moderating effects of Sustainable Development Goals (SDGs) consciousness and religiosity on the relationships between these mediators and the sustainability performance of Muslim MSMEs. Methods: Data were collected from 179 Indonesian Muslim MSMEs. And analyzed using Structural Equation Modeling (SEM) using quantitative aproach. Results: By the objectives, the results reveal that FinTech adoption positively impacts the sustainability performance of Indonesian Muslim MSMEs. Financial literacy, financial accessibility, SDGs knowledge enhancing the overall effect of FinTech on sustainability performance. Furthermore, religiosity significantly moderates these relationships, with higher levels of these moderators strengthening the positive impacts. Conclusion and suggestion: This study underscores the critical role of FinTech in advancing sustainable performance among Indonesian Muslim MSMEs. By enhancing financial literacy, financial accessibility, competitiveness, and green innovation, FinTech can substantially improve sustainability outcomes. Additionally, integrating SDG consciousness and religiosity into MSME practices can further strengthen these positive impacts. Policymakers and practitioners should account for these factors, particularly within the Islamic context, when developing strategies to support the sustainable growth of MSMEs.
A Systematic Literature Review: The Impact of the Use of E-Money as a Non-Cash Payment Instrument on the Stability of the Indonesian Financial System Apriani, Mita; Antika, Reni; Haerani, Sarah; Chaidir, Taufiq
Journal of Finance, Economics and Business Vol. 3 No. 2 (2024): JFEB, November 2024
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v3i2.160

Abstract

This research aims to analyze the impact of the use of electronic money (e-money) on financial system stability in Indonesia. This research uses a systematic literature study method to evaluate various relevant studies related to the use of e-money and its effect on financial stability. The main variables analyzed include payment system efficiency, financial inclusion, cybersecurity, and reliance on technological infrastructure. The results show that e-money has a positive impact on financial system stability through increasing transaction efficiency and expanding access to formal financial services, especially for people who previously did not have access to banks. There are also negative impacts associated with the use of e-money, such as cybersecurity risks and dependence on technological infrastructure. Therefore, strict regulations by regulators such as Bank Indonesia and the Financial Services Authority (OJK) are needed to mitigate these risks, as well as increase public awareness of the importance of maintaining financial system stability and security in the use of e-money.
ANALYSE THE EFFECTIVENESS OF MACROPRUDENTIAL INDICATORS IN REDUCING CREDIT RISK IN THE BANKING SECTOR Deni wahyudi; Wahyu Fitrah; Taufiq Chaidir
Journal of Finance, Economics and Business Vol. 3 No. 2 (2024): JFEB, November 2024
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v3i2.166

Abstract

In the face of changing economic conditions, macroprudential policies have emerged as a very important tool to manage credit risk in the banking industry. The objective of this study is to evaluate how well various macroprudential policy tools, including countercyclical capital buffer (CCB), loan-to-value ratio (LTV), and debt-to-income ratio (DTI), mitigate credit risk. According to a research study, CCB helps banks become more resilient in the face of challenging economic times, while LTV and DTI rules have proven effective in reducing dangerous credit expansion in the housing sector. However, there are several obstacles in the implementation of these policies, including delays and regulatory evasion. This paper recommends the strengthening of more adaptive policy instruments, improved coordination between macroprudential and monetary policies, and the need for periodic evaluation of existing policies. We hope that by implementing these recommendations, financial stability can be maintained, and credit risk in the banking sector can be effectively minimized. Keywords: financial stability, credit risk, loan-to-value, debt-to-income, macroprudential regulation, and countercyclical capital buffers.

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