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Wahyu Febri Ramadhan Sudirman
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Journal of Financial and Business
Published by Global Sustainability Research Institute
ISSN : 30638836     EISSN : 30638828     DOI : https://doi.org/10.69693/jfb
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Journal of Financial and Business: is published by the Global Sustainability Research Institute to help academics, researchers, and practitioners disseminate their research results. JFB is a blind peer-reviewed journal dedicated to publishing quality research results in the fields of business and engineering. All publications in the General Journal are open access, allowing articles to be available online for free without any subscription. JFB is a national journal with free of charge in the submission process and review process. Journal of Financial and Business publishes articles periodically twice times a year, in January and July. JFB uses Turnitin plagiarism checks, and Mendeley for reference management and is supported by Crossref (DOI) for the identification of scientific papers. Journal of Financial and Business accepts scientific articles with the scope of research on: Economics, Management, Financial Management, Investment Management, Behavioral Finance, Business, Accounting, Behavioral Accounting, Management Accounting, Taxation, Banking, Digital Business, Social Science. Within the scope of this journal, the focus is not limited to one particular scientific domain but rather covers a wide spectrum of knowledge. From the complex interactions between the natural sciences and the social sciences to the interconnections between technology, the humanities, and the arts, this journal explores the collaboration and integration of ideas from various fields.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 5 Documents
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Search results for , issue "Vol 1 No 2 (2025)" : 5 Documents clear
Rational or Emotional? Unraveling the Motivations Behind Online Impulsive Buying Verawati, Liesta
Journal of Financial and Business Vol 1 No 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i2.28

Abstract

The increasing prevalence of e-commerce and the emergence of live shopping have contributed to the growing consumerist and hedonistic lifestyle among Indonesians. Several factors, such as free shipping, vouchers, promotions, and cashback, drive unplanned purchases. This study aims to investigate how Indonesian consumers engage in impulsive buying from the perspective of hedonic shopping motivation. Additionally, it examines how situational characteristics and hedonic shopping motivations influence impulsive buying behavior. The research focuses on online purchases through e-marketplaces, as online shopping remains highly popular among younger consumers. Data was collected using an electronic questionnaire distributed via Google Forms, with a sample size of 110 respondents selected through purposive sampling. The study employed a quantitative research approach, and data analysis was performed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique with SmartPLS version 3 to assess the measurement model and the structural model. The findings reveal that hedonic shopping motivations comprising dimensions of value shopping, relaxation shopping, adventure shopping, and idea shopping have a positive and significant effect on online impulsive buying. However, time availability does not have a moderating effect on the relationship between hedonic shopping motivations and online impulsive buying.
Two Sides: Development of Non-Bank Islamic Financial Institutions in Indonesia Cahyani, Binda Rahma; Arif, Muhammad; Sudirman, Wahyu Febri Ramadhan; Fithriyana, Rinda; Reza, Saru
Journal of Financial and Business Vol 1 No 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i2.29

Abstract

This study aims to identify challenges and opportunities in developing Non-Bank Islamic Financial Institutions (LKSNB) in Indonesia. With the increasing public interest in Sharia-based financial services, LKSNB has great potential to become an important pillar in supporting the growth of the sharia economy. The research method used is literature study and descriptive analysis, regarding secondary data from various reports of related institutions and academic literature. The results of the study indicate that the main challenges faced by LKSNB include low sharia financial literacy among the public, regulations that do not fully support the development of LKSNB, and limited human resources who have special competence in the field of sharia finance. On the other hand, great opportunities arise from the growth of the global sharia economy, government support through various policies, and increasing public awareness of the importance of a financial system based on sharia principles.
The Role of Baitul Maal Wat Tamwil (BMT) in Community Economic Empowerment Ramadhan, Al Insani Mutiara; Zaim, Muhammad; Hermawati, Sela; Sudirman, Wahyu Febri Ramadhan; Syaipudin, Muhammad
Journal of Financial and Business Vol 1 No 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i2.30

Abstract

This study aims to examine the role of Baitul Maal wat Tamwil (BMT) in empowering the community's economy, especially in areas with low levels of economic welfare. BMT as a sharia-based microfinance institution has two main functions: a social fund management institution (Baitul Maal) and a commercial financial institution (Baitul Tamwil). This study uses a qualitative approach with a case study method on several BMTs in the research area. Data were collected through in-depth interviews, observations, and documentation, then analyzed using thematic analysis techniques. The study results indicate that BMT has contributed to improving the community's standard of living through micro-business financing, entrepreneurship training, and management of social funds in the form of zakat, infaq, and sedekah. In addition, BMT also plays a role in strengthening the community's social capital by encouraging active participation in community-based economic activities. The obstacles BMT faces in economic empowerment include limited capital, lack of financial literacy in the community, and challenges in maintaining sharia principles amidst competition from conventional financial institutions.
Legal Risk Analysis in the Sharia Bank Operational System Zahrah, Alfiatun; Mardiyah, Suci; Syaipudin, Muhammad; Reza, Saru
Journal of Financial and Business Vol 1 No 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i2.33

Abstract

This study analyzes legal risks in the operational system of Islamic banks, with the aim of identifying factors that can affect legal compliance and their implications for the stability of Islamic banking. Islamic banks operate based on sharia principles as stated in national regulations and fatwas of the National Sharia Council (DSN), so that potential legal risks can arise due to inconsistencies in products and services with sharia provisions, changes in regulations, and lack of legal understanding by stakeholders. This study uses a qualitative method with an analysis of Islamic banking regulations, case studies of legal disputes, and interviews with practitioners and regulators. The results of the study indicate that strengthening compliance with sharia regulations and harmonization between positive law and Islamic law are key to mitigating legal risks. In addition, increasing contract transparency, legal education for industry players, and the active role of supervisory authorities can increase the effectiveness of the operational system of Islamic banks. Thus, this study provides strategic recommendations for Islamic banks in managing legal risks in order to maintain the sustainability and trust of customers in the Islamic banking industry.
Liquidity Risk Management in Islamic Banks in The Digital Era Andini, Bunga; Rizki, Syafnur Muhammad; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 1 No 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i2.34

Abstract

This study discusses liquidity risk management in Islamic banks in the digital era, focusing on strategies implemented to maintain financial stability amidst technological developments. Digital transformation in the banking industry brings opportunities and challenges, including increasing service efficiency and more complex liquidity risks due to changes in transaction patterns and customer preferences. This study uses a quantitative approach with secondary data analysis from Islamic bank financial reports and relevant liquidity indicators. The results of the study indicate that the application of financial technology (fintech) and digital-based risk management strategies can improve the liquidity resilience of Islamic banks. In addition, the optimization of Islamic financial instruments, such as Sukuk and Sharia-based interbank markets, is a key factor in maintaining liquidity balance. Thus, this study provides insight for Islamic banking regulators and practitioners in designing policies that are adaptive to digital changes to strengthen the resilience of the Islamic banking sector.

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