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This Author published in this journals
All Journal International Journal of Economics (IJEC) Rowter Journal
Effendi Sadly
Universitas Islam Sumatera Utara, Indonesia
Economics, Econometrics & Finance

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Development of a general theory of lean production of goods and services Valery V. Glushchenko; Milcha Handayani Tammubua; Effendi Sadly
Rowter Journal Vol 3 No 2 (2024): Ȓowteɍ Journal
Publisher : Britain International for Academic Research (BIAR) Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/rowter.v3i2.796

Abstract

the subject of the article is methodological aspects of the theory of lean production of goods and services; the object of the article is lean production of goods and services; the purpose of the article is the formation of methodological provisions of the scientific theory of lean production of goods and services (the theory of thrift); to achieve the goal, this article solves the following tasks: search and analysis of publications on the topic of lean production of services for confirmation of the relevance of the research presented in this article; definitions of the object, method, functions, roles, laws of the scientific theory of lean production of goods and services; the functions, roles of the philosophy of lean production of goods and services are described; the directions of development of the philosophy and methodology of lean production of goods and services are investigated; the scientific methods in this article are: historical and logical method, system analysis, expert assessments; the scientific novelty of the article is determined by the development of the methodology of lean production of goods and services, the study and description of the structural elements of the theory of lean production of goods and services (the theory of thrift) and its structural elements.
Strengthening Real Sector Resilience: Profit-Sharing Financing Model of Islamic Banking and Its Impact on SME Growth Effendi Sadly
International Journal of Economics (IJEC) Vol. 5 No. 2 (2026): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v5i2.1333

Abstract

Small and medium enterprises (SMEs) form the backbone of Indonesia’s real sector but remain highly vulnerable to financial shocks, largely due to limited access to risk‑mitigating capital. Islamic banking offers profit‑and‑loss sharing (PLS) instruments—mudarabah and musharakah—that theoretically align financier‑entrepreneur interests and build resilience, yet their adoption remains extremely low. This study employs a multiple‑case qualitative design to investigate how PLS financing models are implemented in practice and how they influence SME growth and resilience. Data were collected through semi‑structured interviews with six Islamic bank officers and six SME owners across three Indonesian Islamic banks, supplemented by document analysis and observation. Thematic analysis revealed four overarching themes: partnership‑based financing practice, multidimensional SME growth, persistent barriers of information asymmetry and moral hazard, and mitigation through embedded mentoring and technological monitoring. The findings indicate that genuine PLS arrangements foster relational financing, enhance managerial capacity, and cushion enterprises during economic downturns, thereby strengthening real‑sector resilience. However, widespread operationalisation is hindered by high transaction costs and cultural preference for collateralised debt. The study contributes a processual resilience‑building model and recommends a synergetic ecosystem involving government guarantees, fintech integration, and capacity‑building programmes to unlock the full potential of PLS financing
Co-Authors Milcha Handayani Tammubua Valery V. Glushchenko