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All Journal Scientific Journal of Reflection : Economic, Accounting, Management and Business Jurnal Ekonomi, Manajemen, Akuntansi
Suhendi Suhendi
Universitas Islam Negeri Sunan Gunung Djati Bandung
Economics, Econometrics & Finance Social Sciences

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Studi Fenomenologi Pengelolaan Keuangan UMKM melalui Sistem Budgeting Berbasis Filantropi Islam Haerani Dewi Ayu; Itsni Tsamrotul Hasanah; Mohammad Daviq Johari; Najwa Aqila Almutawali; Suhendi Suhendi
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 9 No. 3 (2026): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v9i3.1518

Abstract

This study examines how Islamic philanthropy-based budgeting practices contribute to strengthening the financial resilience of Micro, Small, and Medium Enterprises (MSMEs). Many MSMEs continue to face financial instability due to weak budgeting practices, limited emergency funds, and dependence on external financing. This research aims to explore the lived experiences of MSME actors in integrating Islamic philanthropic values into their financial planning and daily budgeting activities. The study employed a qualitative phenomenological approach involving eight MSME owners selected through purposive sampling. Data were collected through in-depth interviews, observation, and documentation of financial records, then analyzed using the Miles and Huberman interactive model. The findings indicate that allocating funds for zakat, infaq, and sadaqah in a structured manner encourages greater financial discipline, reduces impulsive spending behavior, and strengthens social support networks during financial difficulties. Participants also perceived philanthropic budgeting as a form of moral responsibility that promotes long-term financial stability. The integration of spiritual values into budgeting practices was found to support adaptive financial behavior and improve the resilience of MSMEs in dealing with economic uncertainty.
Pengaruh Kualitas Produk Dan Desain Produk Terhadap Loyalitas Pelanggan Eiger Adventure Cimahi Bayu Sofiyuloh; Budiman Budiman; Suhendi Suhendi
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 4: Mei 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i4.7685

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Kualitas Produk (X1) dan Desain Produk (X2) terhadap Loyalitas Pelanggan (Y) di Eiger Adventure Cimahi. Penelitian ini menggunakan metode kuantitatif dengan pendekatan deskriptif verifikatif. Data yang digunakan adalah data primer dan data sekunder. Adapun teknik analisis data yang digunakan adalah analisis deskriptif statistik, uji instrumen penelitian, analisis linier berganda, uji hipotesis, dan uji koefisien determinasi. Hasil penelitian ini menunjukan bahwa berdasarkan uji t Kualitas Produk (X1) diperoleh nilai t hitung 8,598 > t tabel 1,667 dan nilai signifikansi 0,001 < 0,05 yang berarti secara parsial berpengaruh positif dan signifikan terhadap Loyalitas Pelanggan (Y), sedangkan Desain Produk (X2) diperoleh nilai t hitung -4,672 < -1,667 t tabel dan nilai signifikansi 0,001 < 0,05 yang artinya secara parsial berpengaruh negatif dan signifikan terhadap Loyalitas Pelanggan (Y). Hasil penelitian berdasarkan uji f diperoleh nilai f hitung 90,659 > 3,130 f tabel dengan nilai signifikansi 0,001 < 0,05 yang berarti bahwa Kualitas Produk (X1) dan Desain Produk (X2) secara simultan berpengaruh positif dan signifikan terhadap Loyalitas Pelanggan (Y). Nilai R Square (koefisien determinasi) sebesar 0,724. Artinya variabel independen kualitas produk (X1) dan desain produk (X2) dapat mempengaruhi variabel dependen (Y) sebesar 0,724 atau 72,4%, sedangkan sisanya 27,6% dipengaruhi variabel lain diluar variabel yang diteliti.
Co-Authors Bayu Sofiyuloh Budiman Budiman Haerani Dewi Ayu Itsni Tsamrotul Hasanah Mohammad Daviq Johari Najwa Aqila Almutawali