Journal of Banks and Financial Institutions
Aim Contributions in quantitative finance, mathematical finance, real estate finance, law finance, accounting, International trade, financing and investments, and related cash and credit transactions, have grown at an extremely rapid pace in recent years. The international monetary system has continued to evolve to accommodate the need for foreign-currency-denominated transactions and in the process has provided opportunities for its ongoing observation and study. Therefore, journal Bank and Financial Institutions over to who have manuscripts focused on finance, banking, financial institutions, and financial technology. Only articles with contributions will be published. Scope Banking issue Scopes related to: Banking Efficiency; Banking Regulation; Bank Solvency and Capital Structure; Bank Management (HRM Banking, Bank Marketing, Bank Operations); Bank Fund Management; Credit; Bank CSR; Financial Stability; e-Banking; Foreign Exchange Management, Investment Banking; International Banking; Islamic Banking; Bank Liquidity Management; Monetary and Fiscal Policy Decision Making; Online Banking; Banking for Retail; Banking for MSMEs. Finance issue Scopes related to: Financial Accounting and Reporting; Investment Alternatives; Asset Valuation; Behavioral Finance; Corporate Finance; Corporate Governance and Ethics; Hedging and Derivative Finance; Empirical Finance; Financial Accounting; Financial Economics; Financial Engineering; Financial Forecasting; Financial Literacy; Financial Risk Management and Analysis; Financial Technology; International Finance; Portfolio Optimization and Trading; Regulation of Financial Markets and Institutions; Rural Finance; Stochastic Models for Asset and Instrument Pricing; Systemic Risk; Taxation. Risk management issue Scopes related to: Risk management, Market risk, Financial risk, Credit risk, Operational risk, Portfolio strategy and management, Risk modelling, Liquidity risk, Stress testing, Commercial lending, Compliance and auditing, Quantitative risk, Interest rate risk, Trading risk, Treasury and finance; as well as, Risk analysts and economists, Central bankers and financial regulators, Risk consultants and service providers Financial markets issue Scopes related to: International financial markets, International securities markets, Foreign exchange markets, Eurocurrency markets, International syndications, Term structures of Eurocurrency rates, Determination of exchange rates, Information, speculation, and parity, Forward rates and swaps, International payment mechanisms, International commercial banking, International investment banking, Central bank intervention, International monetary systems.
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<![CDATA[Banking and Fintech in the Digital Financial Ecosystem for the Unbankable Population ]]>
<![CDATA[Ashari]]>;
<![CDATA[Tri Andi Dewantoko]]>
<![CDATA[ Journal of Banks and Financial Institutions Vol 1 No 1 (2025) ]]>
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DOI: 10.70764/gdpu-jbfi.2025.1(1)-02
<![CDATA[Objective: This research aims to analyze the role of banking and fintech in building an inclusive digital financial ecosystem for the unbankable. The main focus of the research is to identify challenges, opportunities, and optimal strategies in increasing access to financial services for segments of society that have not been reached by conventional banking. Research Design & Methods: This study employs a systematic literature review to synthesize existing research in the financial sector, ensuring methodological rigor and transparency while identifying key issues, research gaps, and areas for further exploration. Findings: The findings reveal that digitalization has significantly changed banking operations, requiring banks to enhance their technological capabilities and regulatory compliance. Fintech plays a crucial role in driving financial sector transformation by expanding access to financial services, especially for the unbanked population. However, cybersecurity risks and data privacy concerns remain key challenges. The success of digital banking transformation depends on technological adaptation, regulatory frameworks, and consumer trust. Implications & Recommendations: To create an inclusive and sustainable digital financial ecosystem, synergy between banks, fintechs, regulators, and communities is needed. Strategies include improving financial literacy, strengthening digital infrastructure, and developing regulations that support innovation without ignoring consumer protection. Contribution & Value Added: This study contributes by highlighting the synergistic role of banking and fintech in accelerating financial inclusion for the unbankable. It also offers strategic insights for stakeholders in designing more inclusive and sustainable digital finance policies and innovations.]]>
<![CDATA[The Impact of Microfinance Institutions on Economic Growth A Literature Study in Indonesia ]]>
<![CDATA[Yuli Indah Sari]]>;
<![CDATA[Diah Ismi Chofifah]]>
<![CDATA[ Journal of Banks and Financial Institutions Vol 1 No 1 (2025) ]]>
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DOI: 10.70764/gdpu-jbfi.2025.1(1)-05
<![CDATA[Objective: This study aims to analyze the impact of Microfinance Institutions (MFI) on economic growth and financial inclusion in Indonesia. It explores how LKM supports Micro, Small, and Medium Enterprises (MSMEs) and low-income communities by providing accessible financing and financial literacy programs. Research Design & Methods: This study uses a qualitative method with a literature approach, which synthesizes existing studies on the role of MFIs in economic development. Relevant literature from peer-reviewed journals, government reports, and institutional studies are analyzed to identify key trends, challenges, and policy recommendations. Findings: The findings indicate that MFIs contribute significantly to MSME growth, job creation, and overall economic expansion by facilitating access to affordable credit and business support services. MFIs play a critical role in enhancing financial inclusion, especially in rural areas where formal banking services are limited. However, challenges such as limited capital, credit risk, and the evolving regulatory framework remain constraints to the sustainability of MFIs. Implications & Recommendations: To maximize the positive impact of MFIs, stronger collaboration between government, financial institutions, and business stakeholders is needed. A clear regulatory framework, increased accessibility of funding, and sustained financial literacy programs can enhance the effectiveness and long-term sustainability of MFIs. Contribution & Value Added: This study provides a comprehensive synthesis of the role of MFIs in the Indonesian economic landscape, highlighting both opportunities and challenges. By offering insights into best practices and policy recommendations, this study contributes to the ongoing discourse on financial inclusion and MSME development.]]>
<![CDATA[Contribution of the Banking Sector in Improving the Capability and Competitiveness of Micro, Small, and Medium Enterprises (MSMEs) ]]>
<![CDATA[Indira Dewi Safitri]]>;
<![CDATA[Tiara Aprialita Amanda]]>
<![CDATA[ Journal of Banks and Financial Institutions Vol 1 No 1 (2025) ]]>
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DOI: 10.70764/gdpu-jbfi.2025.1(1)-04
<![CDATA[Objective: This study aims to analyze the banking sector's contribution to enhancing the competitiveness of Micro, Small, and Medium Enterprises (MSMEs) by improving access to financial services, promoting digital payment systems, and strengthening financial literacy. Research Design & Methods: This research uses a qualitative method with literature study to analyze concepts, theories, and policies in depth from various written sources such as books, journals, and other documents. Findings: The results indicate that financial accessibility through banking institutions significantly improves MSMEs' competitiveness by addressing capital constraints and fostering business expansion. The adoption of digital banking services and financial literacy programs further enhances MSMEs' financial management capabilities. However, MSMEs must also improve their financial governance and marketing strategies to align with banking standards. Implications & Recommendations: Policymakers and financial institutions should expand banking services in underserved areas, enhance digital infrastructure, and implement targeted financial education programs for MSMEs owners. Strengthening MSMEs' financial management and aligning it with banking standards can improve their eligibility for financial support. Contribution & Value Added: This study contributes to the existing literature by highlighting the role of banking sector interventions in MSMEs competitiveness, emphasizing the need for a holistic approach that integrates financial accessibility, digitalization, and capacity building.]]>
<![CDATA[The Role of Digital Technology in Financial Inclusion: A Literature Review and SWOT Analysis ]]>
<![CDATA[Vera Nurkhalimah]]>
<![CDATA[ Journal of Banks and Financial Institutions Vol 1 No 1 (2025) ]]>
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DOI: 10.70764/gdpu-jbfi.2025.1(1)-01
<![CDATA[Objective: This study aims to explore the impact of digital technology transformation on financial inclusion in the banking sector, focusing on innovations such as fintech, mobile banking, internet banking, e-wallets, blockchain, and artificial intelligence. The objective is to assess how these technologies enhance access to financial services for underserved populations and improve banking efficiency. Research Design & Methods: The research uses a literature review and SWOT analysis to assess the impact of digital technologies on banking. It highlights both the benefits and challenges of digital transformation for financial inclusion, with a focus on infrastructure, digital literacy, cybersecurity risks, and regulatory. Findings: The study finds that digital transformation has enhanced financial inclusion by improving access to services for unbanked and underbanked populations, with innovations like mobile banking and e-wallets reducing costs and boosting efficiency. However, infrastructure gaps, low digital literacy, cybersecurity risks, and outdated regulations remain obstacles to wider adoption. Implications & Recommendations: To maximize the benefits of digital transformation in banking, it is vital to improve digital financial literacy, encourage collaboration among governments, banks, and fintech companies, and address infrastructure gaps. Additionally, updating regulatory frameworks to keep pace with technological advancements is essential for ensuring digital financial services' security and long-term sustainability. Contribution & Value Added: This study enhances the understanding of digital technology's role in financial inclusion, offering practical insights and recommendations for policymakers and industry stakeholders to address challenges and leverage digital transformation for a more inclusive, secure, and sustainable financial ecosystem.]]>
<![CDATA[Shadow Banking and Conventional Banks in Financial System Overview ]]>
<![CDATA[Yohanna Enda Wibowo]]>
<![CDATA[ Journal of Banks and Financial Institutions Vol 1 No 1 (2025) ]]>
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DOI: 10.70764/gdpu-jbfi.2025.1(1)-03
<![CDATA[Objective: This study aims to analyze the relationship between shadow banking and conventional banking in the modern financial system, focusing on their roles, dependencies, and impact on financial system stability. Research Design & Methods: This study uses a qualitative approach, including literature analysis and a theoretical review related to shadow banking and conventional banks. Data was obtained by reviewing various secondary sources, including journals, industry reports, and relevant regulations. Findings: This study found that shadow banking and conventional banks are interdependent despite having different roles in financial intermediation. Shadow banking can increase financial inclusion by providing more flexible financing, but the lack of supervision and transparency can pose systemic risks. In contrast, conventional banks operate under strict regulation, offering stability, but are more limited in terms of flexibility and innovation. Implications & Recommendations: This research recommends strengthening shadow banking regulations, including increased transparency, global regulatory coordination, and consumer protection. Effective regulation is important to balance financial innovation and proper supervision to maintain the global financial system's stability. Contribution & Value Added: This study provides new insights into the dynamic relationship between shadow and conventional banking and its implications for financial stability. It contributes to the understanding of how these two sectors can work synergistically to maintain the integrity of the financial system while encouraging responsible financial innovation.]]>
