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Dedy Setiawan
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Journal of Sharia Micro Enterprise and Cooperation
Published by Sekolah Tinggi Agama Islam Kuningan
ISSN : -     EISSN : 30899915     DOI : https://doi.org/10.59784/jsmec.v1i1
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Sharia Micro Enterprise and Cooperation provides a platform for ongoing discussions on relevant issues within its focus and scope, particularly those that can be examined empirically. The Scope of Journal of Sharia Micro Enterprise and Cooperation Journal is: Development of Sharia Micro Enterprises Sharia Cooperatives Sharia Microfinance Empowerment of the Ummah’s Economy Innovation in Islamic Economy
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 34 Documents
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Impact of Rupiah Exchange Rate Fluctuations on Export-Import Performance: A Systematic Literature Review Agus Rohmat Hidayat
Journal of Sharia Micro Enterprise and Cooperation Vol. 3 No. 1 (2026): Journal of Sharia Micro Enterprise and Cooperation
Publisher : Sekolah Tinggi Agama Islam Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59784/jk500134

Abstract

Background: Rupiah exchange rate fluctuations against the US dollar play a critical role in Indonesia's export-import performance and overall economic stability. Depreciation may enhance export competitiveness but increase import costs, while appreciation has the opposite effect. Understanding these dynamics is essential for policymakers, businesses, and investors. Objective: This study aims to analyze the impact of rupiah exchange rate volatility on Indonesia's export and import performance, assess its effects on corporate profitability and stock returns, and examine financial and monetary strategies to mitigate associated risks. Method: A systematic literature review (SLR) was conducted, analyzing 30 relevant studies from 2022–2026 covering monetary policy, credit risk, macroeconomic stability, and financial strategies for MSMEs. Both empirical and theoretical literature were synthesized to provide a comprehensive overview. Result: Findings indicate that rupiah depreciation increases export competitiveness but pressures import costs and domestic prices. Exchange rate volatility significantly affects company profitability, stock returns, and banking sector performance, especially BPRs supporting MSMEs. Mitigation strategies, including adaptive monetary policy, soft loans, and digital financial solutions like QRIS, effectively reduce risks and stabilize financial outcomes. Conclusion: A comprehensive understanding of rupiah exchange rate fluctuations is crucial for optimizing trade performance and ensuring economic stability. Policymakers and businesses should implement adaptive strategies and leverage financial innovations to mitigate risks, enhance export competitiveness, and support sustainable economic growth.
The Role of Credit and Operational Risk on Banking Performance in State-Owned Banks: Empirical Insights from Indonesia Ginna Novarianti Dwi Putri Pramesti; Agus Rohmat Hidayat
Journal of Sharia Micro Enterprise and Cooperation Vol. 3 No. 1 (2026): Journal of Sharia Micro Enterprise and Cooperation
Publisher : Sekolah Tinggi Agama Islam Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59784/pb5vwh76

Abstract

Backround: Banking performance influenced by various factor risks, in particular risk credit and risk operational, which has implications significant for stability banking finance and the economy national research​. Objective: This aim analyze role risk credit and risk operational to performance of state-owned banks in Indonesia through review literature empirical and systematic from various studies national and international. Method: The methods used is systematic literature review (SLR), reviewing publication between 2012–2026 which discusses management risk, bank profitability, return on assets (ROA), and mitigation strategies risk in context state banking. Results: Analysis results show that risk high credit​ impact directly on bank profitability and quality portfolio loans, while risk operational, including weakness internal systems and processes, potentially lower efficiency and stability institutions. Effective mitigation strategies covers strengthening core capital, implementation standard management strict risk, as well as innovation digital technology for support credit monitoring and management operational. Conlusion: Research This conclude that management risk credit and operations in a way integrated important For guard performance of state-owned banks, increasing resilience financial, and support growth economy national.
Sharia Banking Perspectives on Inflation And Economic Stability: Qualitative Insights And Policy Implications Feri Hardiyanto; Agus Rohmat Hidayat; Rudi Ferdiansah
Journal of Sharia Micro Enterprise and Cooperation Vol. 3 No. 1 (2026): Journal of Sharia Micro Enterprise and Cooperation
Publisher : Sekolah Tinggi Agama Islam Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59784/kb78wb61

Abstract

Background: Inflation and economic instability remain major concerns in developing economies, including Indonesia. Inflation reduces purchasing power, increases production costs, affects household welfare, and creates uncertainty for financial institutions.. Indonesia’s Islamic banking sector has grown significantly, with assets exceeding IDR 800 trillion and a market share of approximately 7.5% of total national banking assets as of 2023, underscoring its increasing relevance as a stabilizing financial force in an inflation-prone economy.Objective: This study aims to examine inflation and economic stability from the perspective of sharia banking and to identify relevant policy implications for strengthening financial resilience in Indonesia.Methods: This study uses a qualitative literature review approach by synthesizing previous studies related to inflation, Islamic finance, monetary policy, sharia banking, digital finance, MSMEs, and macroeconomic uncertainty.Results: The findings show that inflation weakens purchasing power, increases business uncertainty, and affects financial performance. Sharia banking can contribute to economic stability through third-party fund mobilization, productive financing, ethical financial governance, and support for MSMEs. Eight thematic clusters were identified: inflation and welfare, banking performance risk, sharia banking and economic growth, MSME resilience, exchange rate dynamics, monetary policy coordination, digital financial transformation, and the Islamic finance ecosystem.Conclusion: Sharia banking can serve as a complementary pillar in Indonesia’s economic stability framework. Policy integration between monetary authorities, Islamic financial institutions, and real-sector development is needed to reduce inflationary pressure and strengthen inclusive economic resilience. This study contributes an integrative policy-relevant framework positioning sharia banking as an institutional actor in inflation mitigation and inclusive financial development in Indonesia.
Integrating Islamic Business Ethics And Digital Transformation To Enhance Msme Competitiveness Nur Alifah; Agus Rohmat Hidayat
Journal of Sharia Micro Enterprise and Cooperation Vol. 3 No. 1 (2026): Journal of Sharia Micro Enterprise and Cooperation
Publisher : Sekolah Tinggi Agama Islam Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59784/mj9xat76

Abstract

Background: The convergence of Islamic business ethics and digital transformation represents a critical but underexplored determinant of Micro, Small, and Medium Enterprise (MSME) competitiveness in Muslim-majority economies. Objective: This study investigates the individual and interactive effects of Islamic business ethics and digital transformation on MSME competitiveness in Indonesia. Method: Using a quantitative approach with moderated multiple regression analysis, data were collected from 215 MSME owners/managers across five Indonesian provinces through stratified random sampling.Results: Islamic business ethics (β = 0.387, p < 0.001) and digital transformation (β = 0.341, p < 0.001) each significantly and positively affect competitiveness. Their interaction term is also significant (β = 0.148, p = 0.002), indicating a synergistic moderating effect. The integrated model explains 64.1% of variance in competitiveness.Conclusion: MSMEs that simultaneously embed Islamic ethical principles and embrace digital transformation achieve superior and more sustainable competitiveness. Policymakers should design integrated halal-digital ecosystem programs, while sharia financial institutions should expand ethics-based digital literacy support for MSMEs.

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