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All Journal Journal of Islamic Economics and Finance
Auliya Ristiani
Universitas PGRI Wiranegara
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Potensi Industri Mebel Berbasis Pemberdayaan Tenaga Kerja Lokal di Kelurahan Bukir, Kota Pasuruan: Analisis Kontribusi Ekonomi dan Penyerapan Tenaga Kerja Izzatul Mula; Auliya Ristiani; Diana Novitasari; Rifa Felina; Ningrum Puji Lestari
Journal of Islamic Economics and Finance Vol. 3 No. 3 (2025): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v3i3.2999

Abstract

The furniture industry in Bukir Village, Pasuruan City, is one of the leading small and medium-sized industries (SMIs) that contributes significantly to local economic growth and employment. This study aims to analyze the potential of the furniture industry based on the empowerment of local workers, identify its contribution to the regional economy, and evaluate the level of employment in this sector. The research method employs a qualitative approach with data collection techniques through literature review and structured interviews. The results show that the furniture industry in Bukir Village has grown rapidly since 1980 with the support of the East Java Provincial Technical Implementation Unit (UPT) for Wood. Currently, there are 40 active businesses that can absorb 800-1,200 local workers, equivalent to 85% of the total workforce in the village. This industry uses a made-to-order production system with teak and sonokeling wood as raw materials and has expanded into the export market to Malaysia and other Southeast Asian countries. This study recommends strengthening marketing digitalization, improving human resource skills, and intensifying government support to enhance the competitiveness of the Bukir furniture industry.
Pengaruh Literasi Keuangan dan Layanan Fintech terhadap Perilaku Manajemen Keuangan Mahasiswa Pendidikan Ekonomi di Universitas PGRI Wiranegara Auliya Ristiani; Sugeng Pradikto
Journal of Islamic Economics and Finance Vol. 3 No. 3 (2025): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v3i3.3023

Abstract

This study aims to analyze how financial literacy and the frequency of use of financial technology (fintech) services affect the financial management patterns of students in the Economics Education Study Program at Universitas PGRI Wiranegara. The digitalization era has changed the way students manage their finances, which now combine traditional financial understanding with the implementation of digital technology innovations. This research uses a quantitative method with an explanatory approach, involving respondents selected through random stratification to ensure balanced representation. Data collection uses a Likert scale questionnaire instrument, while data analysis applies a multiple linear regression model. Empirical results prove that financial literacy and fintech utilization both have a significant and positive impact on students' financial management patterns. Together, these two factors can explain most of the variation in respondents' financial behavior. These findings emphasize the importance of integrating fundamental financial knowledge with the ability to adapt to digital technology as a foundation for forming effective financial management competencies in the modern era. In terms of implementation, the results of this study suggest strengthening the economics education curriculum that includes learning digital financial literacy and the use of fintech services that are wise and ethical.
Co-Authors Diana Novitasari Izzatul Mula Ningrum Puji Lestari Pradikto, Sugeng Rifa Felina