JURNAL INOVASI SAINS TEKNOLOGI DAN BISNIS

INOVASI DISRUPSI KEUANGAN SYARIAH DI ERA DIGITAL UNTUK MENDUKUNG KEBERLANJUTAN PEREKONOMIAN GLOBAL

Vida Maria Ulfa, Achmad Miftachul Huda — Sun, 01 Jun 2025 00:00:00 +0700

In order to support global sustainability, the principles of Sharia finance in the digital era can be a driver for a fairer, more inclusive, and sustainable financial system. The application of these principles can help reduce economic imbalances, promote responsible business practices, and promote socially and environmentally sustainable financial development. Therefore, the main objective of writing this work is to analyze the results of technology that has brought innovation to Islamic financial services in improving accessibility, efficiency, and customer experience in the Islamic banking sector. Through this research, it was found that the principles of Islamic finance emphasize the avoidance of usury, which can prevent the exploitation of society and the environment, encourage fair and equitable risk sharing in financial transactions, and reduce social and economic inequality.

ALTERNATIF PEMBIAYAAN YANG ADIL DAN SESUAI PRINSIP SYARIAH UNTUK ATASI KESULITAN FINANSIAL

Abdul Haris Perwiranegara, Chavid Moyo Jaladri, Didik Setiawan — Sun, 01 Jun 2025 00:00:00 +0700

This article examines fair and Sharia-compliant financing alternatives as a solution for individuals and entities experiencing financial difficulties. Given the high demand for ethical and sustainable financing access, this analysis focuses on Sharia instruments such as Islamic pawnbroking, designed to minimize the risks of riba (interest) and gharar (uncertainty). In addition, this paper highlights the importance of Sharia financial education and the role of Islamic financial institutions in providing inclusive, transparent, and community economic empowerment-oriented products and services. The main objective of this research is to provide a comprehensive understanding of accessible and effectively implementable Sharia financing options to address financial challenges while adhering to the values of justice and blessings. The result of this research is that Islamic pawnbroking certainly not only focuses on how to maintain the existence of its entity but also pays attention to customer satisfaction by receiving input from the community regarding community constraints and needs so that the existence of such Islamic financial institutions is in accordance with community needs.

PENINGKATAN PROFESIONALISME MANAJEMEN KEUANGAN MELALUI INVESTASI UNTUK MASA DEPAN PERUSAHAAN

Kus Irawan Prabowo, Muhammad Zen Masruri, Yulian Adi Wijaya — Sun, 01 Jun 2025 00:00:00 +0700

This study seeks to assess how income and risk tolerance influence investing decisions, with financial literacy serving as an indirect relationship. Two critical aspects impact investor behavior when making investing decisions: income sufficiency and risk management competence. Financial literacy (the capacity to understand financial instruments) is seen as an intermediary element that improves the link between income, risk tolerance, and investment decisions. This study investigated using Structural Equation Modeling. The findings indicate that risk tolerance and income have a substantial role in investment decisions. Furthermore, financial literacy acts as a mediating variable, implying that higher levels of financial knowledge increase the effect of income and risk tolerance on investing decisions.

IMPLEMENTASI MANAJEMEN RISIKO KOMPREHENSIF UNTUK STABILITAS DAN PERTUMBUHAN BERKELANJUTAN

Alindra Yanuardi, Zaki Bahrun Ni’am, Luqman Fauzi — Sun, 01 Jun 2025 00:00:00 +0700

This research is motivated by the urgency of implementing effective risk management in minimizing potential risks in financing. The purpose of this study is to identify the concept of risk management planning, risk management organizational structure, and risk management monitoring system implemented in Bank Syariah Indonesia. Through a comprehensive literature study approach by reviewing related journals and books, this study aims to examine the implementation of risk management in the Islamic bank. The results of the study concluded that the implementation of proper financing risk management can significantly reduce the potential for errors and risks that can have a negative impact on the sustainability of Islamic banking operations in the long term, thus emphasizing the importance of continuous adjustment and adaptation in dealing with various conditions and situations.

ANALISIS RISIKO POLITIK DAN EKONOMI DALAM EKSPANSI BISNIS INTERNASIONAL

VINCENSIA DEVI DWI CAHYANI, ERIVINA LUCY KRISTIAN — Sun, 01 Jun 2025 00:00:00 +0700

This study examines the influence of political and economic risks on the success of international business expansion within the context of increasing global integration. As companies venture into new markets, they encounter various challenges stemming from the complexity and diversity of the international business environment. Political risks—such as shifts in government policy, regional tensions, and political instability—are shown to significantly affect operational continuity and profitability. Likewise, economic risks, including exchange rate volatility, economic downturns, and fiscal policy changes, are critical in shaping long-term business sustainability abroad.

Employing a case study approach and analyzing secondary data, this research identifies and evaluates the most salient risk factors companies must consider during strategic planning for expansion. The results indicate that firms achieving international growth are those adept at formulating and implementing robust, adaptive risk mitigation strategies, tailored to the unique political and economic landscapes of their target markets.

This study offers valuable insights for business leaders and policymakers, highlighting the imperative of proactive and nuanced risk assessment to optimize opportunities and reduce potential losses in international ventures. The findings underscore the need for continuous monitoring and flexibility in strategic decision-making to navigate the ever-evolving global business arena effectively.