Jurnal Manajemen, Akuntansi, Bisnis Dan Studi Ekonomi Syariah
Journal title Jurnal Manajemen, Akuntansi, Bisnis Dan Studi Ekonomi Syariah Initials J-MABES Frequency Two issues per year DOI Prefix 10.61181 Online ISSN 3031-8602 Print ISSN 3032-5544 Editor-in-chief Ilyas Nurul Azam Managing Editor Asyarurahim Publisher LP3M STAI At-Tahdzib, Rejoagung, Ngoro, Jombang, East Java, Indonesia Citation Analysis Google Scholar | Garuda | Dimension Jurnal Manajemen, Akuntansi, Bisnis Dan Studi Ekonomi Syariah published in October 2023. Contains studies of Management, Accounting, Business, Sharia Economic Studies and scientific fields. In accordance with the writing regulations, it is published twice (April and October) a year and the publication of research studies on sharia economics, sharia business, accounting, management and other sciences as a scientific responsibility and embodiment of the Tri Darma of Higher Education. Published by the Research Institute for Development and Community Service (LP3M) Sekolah Tinggi Agama Islam At-Thadzib (STAIA) Rejoagung, Ngoro, Jombang, East Java, Indonesia.
Sekolah Tinggi Agama Islam At-Tahdzib Ngoro Jombang
Digital Business Ethics in the Marketplace Era Analysis in Islamic Economic Perspective
The rapid development of digital technology has significantly transformed economic and business activities. This transformation has driven efficiency, innovation, and the expansion of market reach through marketplace platforms. Transactions that were previously conducted conventionally have now shifted to more flexible digital systems without limitations of space and time. Marketplaces also provide substantial opportunities for businesses, particularly SMEs, to grow. However, behind this convenience, various ethical issues have emerged, such as review manipulation, discrepancies in product information, lack of price transparency, and the presence of information asymmetry. This study aims to analyze the importance of implementing digital business ethics in marketplaces and its alignment with Islamic economic principles in building trust and business sustainability. This research employs a literature review approach by examining various sources, including academic journals and books related to digital business ethics and Islamic economics. The analysis is conducted descriptively to understand the phenomena and issues involved. The findings indicate that digital business ethics plays a crucial role in enhancing consumer trust and loyalty. Values such as honesty (shiddiq), trustworthiness (amanah), justice (adl), and transparency (tabligh) are proven to be key factors in creating healthy business interactions. Moreover, these principles are aligned with Islamic economic values, thereby supporting the development of a fair, transparent, and sustainable marketplace system
Copyright (c) 2026 Zainol Fata https://creativecommons.org/licenses/by/4.0
The Effects of Islamic Economic Revitalization Discourse on Institutionalizing the Zakat Management System in Contemporary Indonesia
This study aims to analyze the effects of Islamic economic revitalization through the discourse of institutionalizing the zakat management system in contemporary Indonesia. Zakat, as one of the pillars of Islamic economics, has great potential to improve the social and economic welfare of society. However, zakat management in Indonesia still faces challenges in terms of the effectiveness of its distribution and utilization. Using a qualitative approach, this article examines various policies that have been implemented in zakat management and the role of zakat institutions in promoting economic growth based on Islamic values. This study also discusses how revitalizing the Islamic economy can provide a solution to the economic inequality that exists in Indonesia. By establishing a more organized and institutionalized zakat management system, it is hoped that a fairer and more effective distribution system will be created, and the goal of inclusive and sustainable economic development will be achieved more quickly.
Copyright (c) 2026 Moh. Abd. Rahman, Abdul Bari https://creativecommons.org/licenses/by/4.0
Public Policy in the Halal Economic Ecosystem Strengthening Islamic Fiscal Governance in the Post-Pandemic Era
The COVID-19 pandemic has generated significant economic and social disruptions, exposing the limitations of conventional fiscal policies in addressing inequality and social vulnerability, particularly in Muslim-majority countries. In the post-pandemic era, governments face the dual challenge of economic recovery and the strengthening of sustainable and inclusive fiscal systems. This study aims to analyze the role of public policy in strengthening Islamic fiscal governance as part of the halal economic ecosystem in the post-pandemic context. This research employs a qualitative interpretive approach with a phenomenological paradigm. Data were collected through in-depth interviews, document analysis, and limited observation involving policymakers, Islamic social finance practitioners, and experts in the halal economy. The data were analyzed thematically to capture key patterns and meanings related to policy implementation and governance practices. The findings indicate that Islamic fiscal instruments, particularly zakat and waqf, have contributed to social protection and economic resilience during and after the pandemic. However, their potential has not been fully realized due to weak governance, limited institutional coordination, and the lack of integration between Islamic fiscal instruments and national fiscal policy. Public policy support remains largely normative rather than strategic. The study concludes that strengthening Islamic fiscal governance through integrated public policy is essential for enhancing the effectiveness of the halal economic ecosystem. Integrating Islamic fiscal instruments into national fiscal frameworks can promote equitable, inclusive, and sustainable economic recovery in the post-pandemic era.
Copyright (c) 2026 Wildana Amin, Moh. Sholehuddin, Sohibul Kirom https://creativecommons.org/licenses/by/4.0
Analysis of Cafe Customer Satisfaction from a Maqasid Syariah Perspective
Backgound. Islamic-based cafes face dual responsibilities: achieving business success while implementing Islamic economic principles. Customer satisfaction in Islamic perspective encompasses not only material fulfillment but also spiritual dimensions based on maqasid sharia principles (hifz ad-din, an-nafs, al-'aql, an-nasl, al-mal). However, conventional satisfaction measurements often neglect these spiritual-ethical aspects, creating a gap in understanding holistic customer satisfaction in Islamic business contexts. Aim. This study examines the influence of service quality, price, and cafe atmosphere on customer satisfaction with purchase decision as a mediating variable at Kancakona Kopi Sumenep, integrating maqasid sharia perspective to provide comprehensive understanding of customer satisfaction in islamic cafe business. Methods. Quantitative research with 96 respondents analyzed using SEM-PLS SmartPLS 3.0 to test direct, indirect effects and mediation roles. Results. Price has the strongest influence on both purchase decisions and customer satisfaction, demonstrating successful implementation of Islamic pricing justice (qimah ᾱdilah) and bilateral wealth protection (hifz al-mal). Cafe atmosphere significantly affects purchase decisions, reflecting its role as a conducive Islamic environment (bi'ah solihah) supporting protection of intellect and soul (hifz al-'aql and hifz an-nafs). Service quality directly affects customer satisfaction, indicating that excellence of service (ihsan) manifests in post-consumption evaluation. Purchase decision partially mediates the relationships between price and satisfaction as well as atmosphere and satisfaction. From the maqasid sharia perspective, fair pricing and conducive atmosphere successfully transform into customer satisfaction through cognitive-evaluative processes embedded in purchase decisions, yet service excellence operates through direct achievement of holistic wellbeing (maslahah).
Copyright (c) 2026 Maksum Maksum, Irvan Arisandi, Muktirrahman Muktirrahman, Nurul Huda https://creativecommons.org/licenses/by/4.0
Profitability of Islamic Commercial Banks in Indonesia: Wadiah Savings and Wadiah Demand Deposits
Banks are considered to be able to manage their operations well in the event of an increase in profit (profitability). Profitability is an important aspect that needs to be analyzed because it serves as an indicator of the bank's success in carrying out the role of intermediation of public funds. Therefore, Islamic banks need to increase their profitability. Factors such as wadiah savings, wadiah current accounts, are considered to be able to contribute to a sustainable increase in profitability, because they reflect the bank's ability to manage financial risks, fulfill obligations, and optimize the use of its assets. The purpose of the study was to determine the effect of wadiah savings and wadiah current account on profitability with profit-sharing financing and non-profit-sharing financing as control variables. The research method used is quantitative with a descriptive approach. The population of 14 sharia commercial banks in Indonesia will be registered with the OJK in 2024, with purposive sampling techniques obtained by 8 sharia commercial banks as samples. The data used is secondary data taken from financial statements on the official website of each Islamic commercial bank during the 2013-2024 period. The analysis was carried out using the panel data method and using Eviews 13. He results show that wadiah savings, wadiah savings partially affect the profitability of Islamic commercial banks in Indonesia. Simultaneously, wadiah savings and wadiah current accounts affect the profitability of Islamic commercial banks in Indonesia.
Copyright (c) 2025 Mochammad Ainur Rozikin, Guntur Kusuma Wardana, Noer Aisyah Barlian https://creativecommons.org/licenses/by/4.0
Implementation of Sharia Production Principles in the Production Process of Character Chocolate
The Sincan Coklat Home Industry is a home-based industry that produces character chocolate snacks. Sharia-compliant production principles emphasize not only efficiency and profitability but also the values ​​of halal certification, fairness, and social responsibility throughout the production process. The researcher aims to examine how the principles of sharia production, as proposed by Yusuf Qardhawi, can be practically implemented in the character chocolate manufacturing process within the Sincan Coklat home industry. This research employed a qualitative, conceptual, and descriptive approach, examining production practices in the field and linking them to Yusuf Qardhawi's theory of sharia economic production. This study shows that the Sincan Coklat home industry produces two products: jar chocolate and stick chocolate. The Sincan Coklat home industry has endeavored to implement sharia principles such as selecting halal raw materials, implementing a clean and safe production process, fair labor management, and avoiding practices containing elements of gharar, riba, and dharar. However, management improvements and halal certification are still needed to strengthen consumer trust. Thus, this research contributes to the development of the concept of halal production based on sharia values ​​in the home industry sector, in line with Yuuf Qardhawi's view of Islamic economics which is oriented towards welfare and blessings.
Copyright (c) 2025 Toyibatussalamah, Isma Nurrokhim , Ali Mahmud https://creativecommons.org/licenses/by/4.0
Customer Satisfaction as a Mediator of the Influence of E-Service Quality and Customer Trust on Customer Loyalty Among Online Ride-Hailing Application Users
Online ride-hailing applications continue to grow rapidly, making digital service quality, customer trust, and user loyalty increasingly important factors in maintaining competitiveness. In this context, customer satisfaction is often considered a mediating factor that connects the influence of e-service quality and trust on loyalty. This study aims to examine the mediating role of customer satisfaction in the relationship between e-service quality and customer trust toward user loyalty in ride-hailing applications. A quantitative approach was applied using a literature review method. Secondary data were gathered from various sources such as books, academic journals, and theses to analyze the reciprocal relationships among the variables. The findings indicate that all hypotheses from previous studies are supported, showing significant and positive relationships between digital service quality and customer trust toward satisfaction and loyalty. Customer satisfaction functions as an effective mediator, channeling the influence of e-service quality and trust into stronger customer loyalty. In other words, improvements in service quality and customer trust lead to higher satisfaction, which in turn enhances user loyalty.
Copyright (c) 2025 Nurul Huda, Desy Ariani Citrasari https://creativecommons.org/licenses/by/4.0
Analysis of the Concept of Justice in Pricing from the Perspective of Islamic Business Ethics
This study examines the concept of justice in pricing from the perspective of Islamic business ethics. Islam emphasizes that price is not merely a transactional number, but a moral instrument reflecting justice, balance, and public benefit (maslahah) for all parties. Fair pricing should be based on principles of justice, honesty, transparency, and the rejection of harmful practices such as gharar, riba, and ihtikār. The research employed a library research method with a descriptive-analytical approach, reviewing classical and contemporary literature related to Islamic economics and business ethics. The results indicate that fair pricing reflects the proportional value of goods or services, protects consumer rights, ensures reasonable profits for producers, and creates blessings in transactions. The application of these principles is increasingly relevant in the context of globalization and modern business practices, including intense competition, changing consumer behavior, and market digitalization. Therefore, pricing according to Islamic business ethics not only supports business sustainability but also ensures broad societal welfare
Copyright (c) 2025 Zainol Fata, Ilyas Nurul Azam https://creativecommons.org/licenses/by/4.0
The Influence of Organizational Culture and Transformational Leadership on Employee Retention through Job Satisfaction
In today’s competitive business environment, particularly in the restaurant industry, employee retention has become a significant challenge due to the high turnover rate. High employee turnover indicates low retention, which can disrupt operational stability, reduce service consistency, and negatively impact customer experience. Retention refers to an organization's ability to maintain its workforce over the long term, which is essential for sustaining business success. This study aims to examine the influence of organizational culture and transformational leadership style on employee retention, with job satisfaction as a mediating variable This research is a quantitative study using primary data collected through questionnaires. The sample consists of 60 respondents who are employees of Resto Kampoeng Banyumili. The collected data were analyzed using IBM SPSS 25. The results of the study indicate that organizational culture has a positive and significant influence on job satisfaction. Transformational leadership also has a positive and significant influence on job satisfaction. Organizational culture has a positive and significant effect on employee retention, while transformational leadership has a negative and insignificant effect on employee retention. Job satisfaction is found to have a positive and significant influence on employee retention. Path analysis results show that job satisfaction is able to mediate the relationship between organizational culture and employee retention, as well as between transformational leadership and employee retention
Copyright (c) 2025 Radiyah, Budi Utomo https://creativecommons.org/licenses/by/4.0
Tinjauan Ekonomi Islam terhadap Gapoktan Sugihwaras Jombang
The agricultural sector is one of the important factors in social life, because agriculture produces the food needed by the community. Food is a basic need as well as being the essence of human life, therefore the right to food is a very important part of human rights. Economic empowerment in farmer group associations is very important for farmer groups to increase knowledge and information about agriculture, especially in order to make farmers creative, innovative, and independent. The purpose of the study was to find out about the practice of empowering farmer groups in Sugihwaras Village, Ngoro District, Jombang Regency in the agricultural sector, to find out about strategies for improving and developing farmers through farmer group associations in Sugihwaras Village, Ngoro District, Jombang Regency. The method used in this research is qualitative, where the author collects data that is in fact, analyzes the data, interprets the data, and supports to answer the problems studied by the author so that the authors get conclusions based on analyzing the data. The results of this study can be concluded that with the empowerment program that has been implemented by Gapoktan, there have been many improvements in the fields of cooperation, fulfillment of economic and health needs, increased income, and participation in development. a concept where the concept uses the principles, Tawhid, Ta'awun or help, and justice. Where the three principles are a concept that can form a member's welfare in carrying out an activity that is being carried out. With this value to protect the function from external threats, namely morality, morality is a human attitude in behaving
Copyright (c) 2025 Ilyas Nurul Azam, Susi Fatmawati https://creativecommons.org/licenses/by/4.0
Pengaruh Testimoni dan Diskon terhadap Ketertarikan Belanja di Shopee pada Santri Putri Pesantren At-Tahdzib Jombang
Discounts are proven to be able to provide more affordable price incentives for consumers, thus creating a strong sense of urgency to make a purchase. Although testimonials also have a significant influence, the role of discounts is more prominent in shaping consumer perceptions, beliefs, and purchasing decisions. This finding indicates that female students tend to consider price factors and special offers when making purchases on e-commerce platforms. This research aims to analyze the influence of discounts and testimonials on consumer purchase interest in the Shopee e-commerce platform among female students at the At-Tahdzib Islamic Boarding School in Jombang. Using a quantitative approach and regression analysis, the results show that discounts have a more dominant influence compared to testimonials in affecting consumer purchase interest. Research approach refers to the strategy or method used to collect data, analyze information, and achieve research objectives. In this study, the researcher used a quantitative approach. The quantitative approach uses numerical measurements and statistical analysis to test hypotheses and explain relationships between variables. The implication of this research is that sellers on the Shopee e-commerce platform can design marketing strategies that focus on discounts and attractive price offers, while still paying attention to the role of testimonials in building consumer trust.
Copyright (c) 2025 Asyarurahim, Laili Rizqi Amalia, Aris Dwi Septian https://creativecommons.org/licenses/by/4.0
Pengaruh Turnover, Etika Islam, dan Kompensasi terhadap Kinerja dengan Moderasi Komitmen pada PT. Primayudha Mandirijaya
In order to improve employee performance, turnover is an important factor that influences employee performance improvement To maximize the quality of employee performance in the company, one of the instruments is Islamic work ethics Improving employee performance is very important for the success of the organization because it has a significant impact on the productivity, efficiency, and competitiveness of the company In this study, the researcher took the object at PT. Primayudha Mandirijaya which is included in a company that has been well organized especially after being held by PT. Sri Rejeki Isman Tbk (Sritex). At PT. Primayudha Mandirijaya experienced various demands, namely, the need for increased employee performance to improve the company's reputation and branding. The purpose of this study is to determine the influence of turnover intention, Islamic work ethics, and compensation on the performance of employees moderated by organizational commitment. This type of research is quantitative research. In this study, the population used was 1,044 employees at PT. Primayudha Mandirijaya. Furthermore, this study used a sample of 100 respondents with several predetermined criteria or purposive sampling techniques. The tests used are data instrument tests, classical assumption tests, and statistical tests. After testing with SPSS version 25, the results were obtained, namely turnover intention has a negative and significant effect on employee performance, Islamic work ethics has a negative and significant effect on employee performance, compensation has a positive and insignificant effect on employee performance, organizational commitment is able to moderate turnover intention on employee performance, organizational commitment is able to moderate Islamic work ethics on employee performance, and the organization's commitment is not able to moderate compensation to employee performance.
Copyright (c) 2025 Brylian Pratama, Budi Utomo https://creativecommons.org/licenses/by/4.0
Bukti Kebijakan Dividen: CR, DER, ROE, dan TATO Perusahaan LQ-45 yang Terdaftar di JII
In the current era of world development, there are also many things that have undergone development, in addition to the technology sector, the economic sector has also experienced quite rapid development. One of the institutions that plays an important role in economic development is the capital market institution which is an intermediary for companies that need additional capital to meet with investors who have more money and want to invest their money in certain companies. In addition, every country in the world will do efficiency or eliminate high-cost economics, in order to be able to compete in price. One way to reduce high costs is to lead private companies into the capital market so that the company's capital structure becomes better, more efficient, and more controlled by the community. The purpose of this study is to determine the influence of the variables current ratio (CR), dept to equity ratio (DER), return on equity (ROE) and total assets turnover (TATO) partially and simultaneously on the dividend policy in LQ45 companies listed on JII. The method used is a descriptive quantitative approach. The object of the study is companies listed in the LQ-45 index which is also listed in the Jakarta Islamic Index (JII). The results of the study show that partially each of the CR, DER and TATO variables has a significant influence on the House of Representatives on LQ-45 companies listed in the Jakarta Islamic Index (JII). Meanwhile, the ROE variable has no effect on the House of Representatives for LQ-45 companies listed in the Jakarta Islamic Index (JII). The variables Current Ratio (CR), Debt to Equity Ratio (DER), Return on Equity (ROE) and Total Assets Turnover (TATO) have a significant influence on the Dividend Payout Ratio (DPR) in LQ-45 companies listed in the Jakarta Islamic Index (JII).
Copyright (c) 2025 Hadi Isman, Guntur Kusuma Wardana, Noer Aisyah Barlian, Muhammad Riza Hafizi https://creativecommons.org/licenses/by/4.0
Penerapan BCG Matrix dalam Penyusunan Strategi untuk Menghadapi Persaingan di Industri Minuman (Studi Kasus Coca Cola Company)
The beverage industry is a rapidly growing sector with global revenue continuously increasing each year. Amidst intense competition, Coca-Cola Company, as one of the industry leaders, faces various challenges, such as shifting consumer preferences and growing demand for healthier products. This study aims to analyze the application of the Boston Consulting Group (BCG) Matrix in formulating corporate strategies to address these challenges. The research employs a quantitative approach with secondary data from the 2023 annual financial reports of Coca-Cola Company and PepsiCo. The analysis indicates that Coca-Cola Company is positioned in the star quadrant of the BCG Matrix, reflecting a high market growth rate and relative market share. Recommended strategies include backward integration, market development, market penetration, and product development. The implementation of these strategies is expected to help maintain Coca-Cola's competitive position in the beverage industry.
Copyright (c) 2025 Muhammad Fakhri Daifullah https://creativecommons.org/licenses/by/4.0
Pengelolaan Sistem Syari’ah dalam Meningkatkan Jumlah Unit Usaha di Pesantren At-Tahdzib Jombang
Islamic boarding school is an institution that has a lot of potential, including economic potential. To increase this potential is a challenge for Islamic boarding schools so that they can improve the economic welfare of the Islamic boarding school itself and the wider community. The spirit of independence that is formed by students can be a potential for Islamic boarding schools to increase the economic stability of Islamic boarding schools. One of the efforts to make the Attahdzib Islamic boarding school independent is through business units. Where a well-organized business will provide output with good income. In today's era of free competition, building the competency and capacity of students is a must. Many Islamic boarding schools have tried to develop productive economic activitiesThe existence of these various business units is a means of education in the fields of independence, entrepreneurship, sincerity and sacrifice Based on the limitations and identification of problems that have been determined, the formulation of the problem is how is the management applied by sharia business units in increasing the number of business units in the At-Tahdzib Islamic boarding school? The problem approach used in this study is to use a type of field research where data is obtained from the field directly from the source, so that the data sources in field research are primary and secondary sources. Through a qualitative approach, namely research used to research natural or natural social life. Based on the results of the presentation and analysis of data, the author obtained a conclusion that can be drawn from the research on "Sharia Business Unit Management in Increasing the Number of Business Units in the At-Tahdzib Jombang Islamic Boarding School" is the value-based management of the Islamic boarding school, implementing the Vision and Mission of the At-Tahdzib Islamic Boarding School which is the basis for the movement of business unit management run by the At-Tahdzib Islamic Boarding School. Vision, Mission of At-Tahdzib Islamic Boarding School to Become a Solid Salaf Islamic Boarding School with Pillars of Noble Morals and Spiritual-Emotional-Intellectual Intelligence", as well as the goal of the pesantren which is a strength in all activities, which is the foundation of the soul of all residents of the pesantren as a sustainable pesantren program.
Copyright (c) 2024 Asyarurahim, Febi Ambarwati https://creativecommons.org/licenses/by/4.0
Strategi Pengembangan Sumber Daya Manusia Usaha Mikro Kecil Menengah (UMKM) di Era Digitalisasi
The digitalization era has brought significant changes in various sectors, including the Micro, Small and Medium Enterprises (MSME) sector. This change forces MSMEs to adopt digital technology to remain competitive in an increasingly competitive market. This article aims to identify effective human resource (HR) development strategies for MSMEs in the era of digitalization. Using qualitative methods through in-depth literature study, this research found that digital skills development is a key factor in MSME HR development strategies.
Copyright (c) 2024 Surahmah, Asri Munzilin, Uswatun Chasanah https://creativecommons.org/licenses/by/4.0
Pengaruh Online Customer Review dan Online Customer Rating terhadap Keputusan Pembelian pada Marketplace Shopee
UNISKA is one of the universities with a significant number of Shopee users. Among these users, the majority come from the Faculty of Economics, particularly students from the Management program, which has a large student body at UNISKA. One of the notable findings from the researcher's observations of Management students is that many of them are Shopee users. In addition to shopping, they also engage in online selling through Shopee. Consequently, the marketplace features, such as online customer reviews and online customer ratings, attract significant attention from both academics and the general public. These features are considered key factors influencing consumer purchasing decisions on Shopee, as people often check store ratings before making a purchase. Additionally, the availability of numerous discounts and promotions further enhances consumer interest in transacting on the Shopee marketplace. This study aims to analyze the influence of Online Customer Review and Online Customer Rating on purchasing decisions in the Shopee marketplace This study uses a quantitative method using a sample of 94 respondents taken using the Non-probability Sampling technique, where the data was obtained through a questionnaire distributed to students of the Management Study Program at the Islamic University of Kadiri (UNISKA) class of 2020-2023 and analyzed using validity, reliability, classical assumptions, multiple linear regression, t-test, and f-test using SPSS 25 programs. The results of the multiple linear regression analysis show that Online Customer Review (X1) with a regression coefficient value of 0.282 and Online Customer Rating (X2) with a regression coefficient value of 0.536 have a significant influence on Purchasing Decisions (Y) with a significance value of 0.000 each (p <0.05). The F test shows that both independent variables simultaneously influence purchasing decisions with a calculated F value of 56.540 and a significance of 0.000 (p <0.05). The conclusion of this study is that online customer reviews and online customer ratings play an important role in the purchasing decision-making process, especially among students. Based on these results, business actors in the marketplace are advised to pay more attention to and manage reviews and ratings given by customers in order to increase consumer trust and encourage increased sales.
Copyright (c) 2024 Risna Dwi Yuliani, Nur Hidayati, Aprilia Dian Evasari https://creativecommons.org/licenses/by/4.0
Pengembangan Usaha pada Warung Kopi Lima Malang Dengan BostonConsulting Group (BCG) Matrix
Coffee is a beverage that has long been consumed by Indonesians. One of the coffee based business that has high competition is the coffee beverage business. Business competition that occurs in this coffee sector makes business owners need to apply strategic management in order to compete with other business subjects and develop businesses, Warung Kopi Lima Malang is one of them. The purpose of this study is to determine the position of Warung Kopi Lima in the BCG matrix to formulate strategies that can be used as well as to find out examples of implementing strategies resulted from the matrix recommendations. This research uses a descriptive quantitative approach with document study data collection. The products observed were black coffee, coffee milk and iced coffee milk. The data analysis method used is the BCG (Boston Consulting Group) Matrix. This study shows that black coffee has a question mark position with a market growth of 0.08% and a relative market share of 0.17. Coffee Milk products have a dog position with a market growth of -15.87% and a market share of 0.47. The iced coffee milk product has a cash cow position with a market growth of -30.42% and a market share of 1.18. Based on the BCG matrix, alternative strategies that can be used in black coffee are market penetration, market development, product development or divestment. In coffee milk products are liquidation, divestment, or pruning through shrinkage. In iced milk coffee is product development or diversification.
Copyright (c) 2024 Faizal Syahrul https://creativecommons.org/licenses/by/4.0
Pengaruh Dropshipping terhadap Minat Usaha Online Mahasiswa STAI At-Tahdzib Jombang
Backgound. Digital technology is a transition from its operation which no longer uses much human labor. The rapid development of digital technology is marked by the emergence of various cutting-edge communication tools, where everyone can manage, produce, and send and receive services anywhere and anytime without knowing the limitations of space and time Aim. Based on the limits and identification of predetermined problems, the problem formulation is: How Does Dropshipping Affect the Online Business Interest of STAI At-Tahdzib Jombang Students? Methods. The problem approach used in this study is to use quantitative survey research. Quantitative methods as research methods used to research on certain populations or samples, data collection using research instruments Results. From the results of the data analysis above, there are several results that show positivity and significance between variable (X) and variable (Y), therefore it can be seen that in the instrument validity test of 54 questionnaires that have been filled out are said to be valid because the calculation results using SPSS 22 state that the calculation > rtable. And in the instrument reliability test there are also results that show Cronbach's Alpha between 0.4-0.7 with variable values (X) 0.483 and variable (Y) 0.703, which is said to be reliable enough for questionnaires submitted to respondents. Keywords: Dropshipping, Online Business, Technology
Copyright (c) 2024 Asyarurahim Ashar, Reza https://creativecommons.org/licenses/by/4.0
Nilai-nilai Keadilan dalam Ekonomi Syari'ah
Sharia Economy, which is based on Islamic principles, places justice as one of its core values. Through the prohibition of usury, the obligation of zakat, profit-sharing systems, and transparency in transactions, the sharia economy aims to create a fair distribution of wealth and equal treatment for all parties. Profit-sharing systems like mudharabah and musyarakah, as well as productive waqf programs, are concrete examples of how the principle of justice is applied to enhance community welfare and reduce economic disparity. Transparency and accountability in the sharia economy ensure that all transactions are conducted with integrity, increasing trust and stability in the financial system. These values of justice not only support the achievement of economic goals but also form the foundation for a fairer and more prosperous society. The sharia economy offers a sustainable and ethical alternative to the global economic system, emphasizing a balance between economic gain and social responsibility.
Copyright (c) 2024 Bustanul Arifin, Ilyas Nurul Azam https://creativecommons.org/licenses/by/4.0
Efektivitas Penggunaan Dana Desa Pada Peningkatan Kesejahteraan Ekonomi Masyarakat Dalam Perspektif Ekonomi Syariah Di Desa Rejoagung Jombang
Village funds are one of the most important aspects of a village to carry out government programs. This includes programs for the welfare of the people in their area. It is believed that the village government is better able to see the priorities of the community's needs compared to the district government, which actually has a wider and more complex scope of problems. The purpose of this study is to determine the use of village funds, the effectiveness of the use of village funds for the economic welfare of the community and the use of village funds in a sharia economic perspective. This research uses a type of field research with a qualitative descriptive research method, the methods used in this research are: observation, interviews, and documentation. To analyze the data, the authors use the analysis of the Miles and Huberman models with deductive thinking methods. Based on the results of this study, it can be concluded that the implementation of the 2021-2022 Village Funds is well distributed because the use of Village Funds in the field of development and community empowerment is almost balanced, which will later create prosperity, prosperity, independence for the community and widespread development for the village.
Copyright (c) 2024 J-Mabes: Jurnal Manajemen, Akuntansi, Bisnis dan Studi Ekonomi Syariah https://creativecommons.org/licenses/by/4.0
Penerapan Manajemen Risiko Pembiayaan Pada Perusahaan Fintech Pegadaian Syari’ah
Based on findings in the field, in its transactions Erahn.id provides online application services and is the first sharia fintech pawnshop in the city and district of Malang. Erahn.id can also provide free consultations regarding financial problems. Apart from having gone digital, or the application can be done online (website), the process of disbursing funds can also be done by transfer or cash. The entrustment service fee is charged on the estimated value of the pawned item, not on the value of the loan applied for. This is very different from other sharia pawnshops and is interesting to study. Erahn.id also prioritizes Islamic principles in implementing each of its business concepts. The aim of the research is to determine the implementation of financing risk management, the obstacles that occur in implementing financing risk management and resolving obstacles in implementing financing risk management in sharia pawnshop fintech companies. The method used is a qualitative method with a case study approach. This research was conducted at Erahn.id Jl. Simpang Wilis Indah, Gading Islamic Boarding School Block 1 No 13 Malang. The results show that the application of risk management at Erahn.id Malang was carried out with several risk management processes, namely: identification, measurement, monitoring, and risk control. Some obstacles also occur in the application of risk management at Erahn.id, such as forget to remind the customers who are passing the due date, the collateral item that is difficult to sell, and the lack of knowledge about authenticity and gold content. In resolving the obstacles faced when implementing financing risk management, the things that have been done by Erahn.id Malang are checking the database periodically, looking for the latest market price information for the collateral items, and upgrading knowledge from relations owned by the founder of Erahn.id Malang. This research can introduce and enhance people's insight about pawnshop with sharia principles. Pawn shops with sharia principles have developed into digital go-based companies that can efficiently compete with other finteches.
manajemen risiko, pembiayaan, fintech, agunan, implementasi.
Penerapan Endorsment Terhadap Kegiatan Promosi Produk Dalam Persefektif Ekonomi Islam
Nowadays, in the modern era, the use of marketing strategies aims to modify and introduce existing products to the wider community. Along with the times and accompanied by technological developments, the use of advertising as a promotional medium has changed. One way or steps that companies can take to create advertisements that are appropriate to the current era in marketing their products is by using endorsements. The goal to be achieved in this writing is how the social economy views the use of endorsements in promotional activities The research uses the approach used in this research, namely using a qualitative descriptive approach, while the type of research used in this research is literature. The results of this research are that endorsements are one type of muamalah that is not prohibited in Islam, but there is nothing prohibited in this activity in sharia provisions
Strategi Pemasaran Daun Salam Dalam Meningkatkan Kemandirian dan Kesejahteraan Ekonomi Bagi Warga Dusun Losari Kabupaten Jombang
Independence shows confidence in one's own ability to solve problems without help from others. Welfare is defined as a condition where a person or group of people, men and women are able to fulfill their basic rights to maintain and develop a dignified life. The residents of Losari hamlet try to achieve independence and economic prosperity through the bay leaf pricking business. Where before implementing the bay leaf pricking business there was no balance in income and expenses. This research method is qualitative where the data source consists of primary data, namely the head of RT 01 and residents of Losari hamlet. Secondary data consists of financial records and payment receipts. From the results of the research and analysis that has been carried out, it is known that the residents of Losari Hamlet can be said to be independent and prosperous after implementing the bay leaf pricking business. These results were obtained from the fulfillment of all indicators of independence and prosperity after implementing the bay leaf pricking business.
Freedom To Act Dalam Perspektif Ekonomi Syariah (Studi Prospek Ekonomi Syariah Era 4.0 di Indonesia)
Economic freedom is a form of freedom or authority possessed by individuals of each economic actor to carry out economic activities with all the capabilities, opportunities and desires they have in their efforts to meet life needs and satisfaction with the ultimate goal of welfare level. Since the development of the Industrial Revolution from era 1.0 to 4.0, there have been various developments towards regenerating the industry in a direction that is completely sophisticated, both in information technology and communication technology. This era of 4.0 is not well understood and implemented by the majority of countries in the world. This is due to a lack of knowledge and the inability of a country to keep up with the very rapid pace of industrial development in the 4.0 era. This research, it is intended that the prospect study of the sharia economy can contribute to a country, especially Indonesia, so that it can keep up with the pace of economic development in the 4.0 era, so that the lack of relevance of the 4.0 era can be addressed by the transformation of the sharia economic prospects. This case, the author uses qualitative research methods with the type of literature (library research) wich uses a theological-philosophical approach directed at universal coclusions with a fulcrum at the root of the problem. The produces research on the point of relevance of the sharia economic prospects in addressing the pace of economic freedom in the era of 4.0 which is considered irrelevant in the majority of countries in the world. As for the point that is considered relevan in islamic economics is the point of utility, equality of opportunity, social justice, multiple ownership and others.
Copyright (c) 2023 J-Mabes: Jurnal Manajemen, Akuntansi, Bisnis dan Studi Ekonomi Syariah https://creativecommons.org/licenses/by/4.0
Analisis Modal Bank Syariah Setelah Konversi (Studi Kasus Bank Aceh Syariah)
On September 1, 2016, PT Bank Aceh Syariah transformed from a conventional bank to a Sharia bank with permission from the Board of Commissioners of the Financial Services Authority (OJK) under Number KEP-44/D.03/2016. The capital from the conventional system was converted into the capital of the Sharia bank, with the ownership of shares being regulated by a percentage-based formula. The parent Sharia bank holds the largest portion of shares, while the conventional bank retains some shares. The significant differences between the conventional and Sharia banking systems were considered incompatible with the principles and mechanisms of Sharia banking, as legal questions could arise when they are operated simultaneously from an Islamic perspective This research aims to determine the status of the capital of Bank Aceh Syariah after its conversion from the perspective of Islamic law This study employs a qualitative approach with a descriptive method. The qualitative approach involves gathering data in a natural environment with the goal of interpreting occurring phenomena. Bank Aceh Syariah has an important composition of capital sources for continuity and operational performance. Funds from the Aceh government are the main source, reflecting support for sharia banking in this region. Capital also comes from loans and internal bank capital, all of which form an integral financial foundation
Analisis Kelayakan Pada Pembiayaan Murabahah di BMT Maslahah Kantor Cabang Wagir
Based on findings in the field, the Account Officer Analysis of BMT Maslahah Wagir Branch has not used the 5C principle (character, capacity, capital, collateral, condition) in analyzing the feasibility of murabahah financing, but only uses two principles, namely character and customer ability, so that if these two principles have been fulfilled then the other three principles will follow these two principles. However, in implementing installments, there are customers who are fluent in payments and there are customers who are late in the payment process. The purpose of the study was to determine the feasibility process of murabahah financing at BMT Maslahah, Wagir Branch. The method used is a qualitative method with a descriptive approach. This research was conducted at BMT Maslahah Wagir Branch. The results show that the feasibility analysis of the financing proposed by the customer will be analyzed by the BMT Maslahah Wagir Branch using the 5C principle (Character, Capacity, Collateral, Capital, Condition). In addition, the strategy in analyzing financing applies various things, such as taking a personal approach to prospective customers in a communicative manner and conducting interviews by preparing various required documents.
Literasi Wirausaha Pada Inovasi Produk Untuk Meningkatkan Nilai Ekonomi (Studi Produk Kelapa Pada Masyarakat Rejing Tiris Probolinggo)
This research aims to provide the community with an understanding of innovation in entrepreneurship in products in Rejing Village to improve their economy. Understanding of the economic value of coconut products is still minimal, in fact there is no use of coconuts for various products such as oil, drinks, fertilizer, crafts and so on. The method used is descriptive qualitative with a case study approach. Data collection techniques through observation, interviews, documentation and literature study. Primary data sources are village heads, communities that have coconut trees and secondary data is in the form of literature studies. The results of this research are that the community in this village still has minimal understanding of the potential that can be developed in coconut products, this is due to minimal literacy regarding the potential of coconut, the community is in a hurry to make a profit from direct sales of coconut and the community is still focused on fulfilling primary needs in other sectors such as planting teak trees and sengon trees. Digital literacy is also a very important medium in marketing digitally to increase the economic value of society and large market power in a wider reach.
Pengaruh Pertumbuhan Ekonomi dan Upah Minimum Terhadap Kemiskinan di Jombang Jawa Timur
This study aims to analyze: 1) the rate of economic growth and minimum wage in Jombang Regency; 2) the development of poverty in Jombang Regency; 3) the effect of economic growth and minimum wage on poverty in Jombang Regency. The data used in this study are secondary data for the period 2015 - 2022. Data analysis tools using multiple linear regression methods. Based on the results of the analysis, it is known that: 1) The average economic growth of Jombang Regency in the 2015-2022 period was -49%, the growth of the minimum wage of Jombang Regency was 7% and the growth of the poor population was -2% percent; 2) simultaneously economic growth and minimum wages have a significant effect on poverty in Jombang Regency, while partially the variable that has a significant effect on poverty is Economic Growth