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INOVASI DAN LAYANAN PRIMA PADA USAHA KERIPIK PISANG MF Nurhidayah; Gautama, Budi
Bisman (Bisnis dan Manajemen): The Journal of Business and Management Vol. 7 No. 1 (2024): Februari 2024
Publisher : Program Studi Manajemen, Fakultas Ekonomi, Universitas Islam Majapahit, Jawa Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36815/bisman.v7i1.3104

In a business, increasing production and service is very important for business progress through creativity and innovation. For MSME players, being creative in improving product quality, making innovations or new breakthroughs in products and improving services are things that will become strengths and ways to maintain business continuity, which will also help increase sales. As applied by the MF banana chips business which was established in 2017 and is located in Ujung Gurap, Padangsidimpuan, North Sumatra, it has succeeded in increasing the business turnover. With limited raw materials, few flavor variants, simple product packaging and mediocre service led this business to innovate. This study aims to determine product innovation and excellent service carried out by the MF banana chips business. This research is a type of qualitative research with data collection methods through interview and observation techniques and using a literature study approach. The results stated that the business owner (Mrs. Fahri) did creativity and innovation in her product, namely changing the type of raw material for banana chips and adding new flavors to her product. In addition, the MF banana chips business also provides excellent service through convenience, speed and hospitality through actions, where previously there were services that were not available.

ANALISIS HUBUNGAN FAKTOR MAKRO EKONOMI DENGAN INDEKS HARGA SAHAM SYARIAH MENGGUNAKAN VECTOR ERROR CORRECTION MODEL (VECM) Pulungan, Novita Sari; Gautama, Budi; Hasibuan, Abdul Nasser; Nurhayati, Nurhayati
Bisnis-Net Vol 7, No 2: DESEMBER 2024
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/bn.v7i2.4873

Jumlah emiten yang terdaftar di Jakarta Islamic Index masih terbatas, sementara fluktuasi indeks harga saham syariah meningkat signifikan dalam waktu singkat. Di sisi lain, ada penurunan indeks harga saham syariah meskipun pertumbuhan ekonomi meningkat, begitupun dengan inflasi dan kurs hubungannya dengan indeks harga saham syariah tidak selalu linier, tetapi masih ada interaksi dan kontribusi antar variabel terkait. Tujuan penelitian ini adalah untuk menganalisis hubungan interaksi dan kontribusi pertumbuhan ekonomi, inflasi, dan kurs dengan indeks harga saham syariah menggunakan Vector Error Correction Model. Metode penelitian ini menggunakan Analisis Vector Error Correction Model dengan alat analisis Eviews 10. Hasil penelitian menunjukkan bahwa terdapat hubungan interaksi dan kontribusi pertumbuhan ekonomi, inflasi, dan kurs dengan indeks harga saham syariah. Pada uji kointegrasi menunjukkan bahwa terjadi kointegrasi dalam penelitian. Hal ini dapat dilihat pada analisis Impulse Response Functions bahwa pada periode kedua respons dari indeks harga saham syariah terhadap pertumbuhan ekonomi menjadi -3,30%, inflasi sebesar 13,13%, dan kurs sebesar 1,20%. Serta, kontribusi langsung dari indeks harga saham syariah secara bertahap menurun, sementara kontribusi dari pertumbuhan ekonomi meningkat hingga mencapai sekitar 0,26%, inflasi sebesar 4,96%, dan kurs sebesar 0,029%.

Resilience Test: The Interplay of Macro Trends and Troubled Financing in Indonesian Sharia People's Financing Bank Siregar, Depanan Habib; Rasyid, Arbanur; Gautama, Budi; Nasirin, Wanda Khairun
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i2.14705

Abstract,The increasing trend of BPRS in Indonesia signifies extensive community funding. However, some provinces faced problematic financing, with NPF exceeding 5%, notably over 10% in certain areas. Macroeconomic trends impact socio-economic conditions, leading to financial challenges like inflation fluctuations, unstable Rupiah exchange rates, and a significant decline in the BI Rate affecting the competitiveness of Sharia financing against conventional loans. The study aims to analyze the relationship between macroeconomic factors and troubled financing in Indonesian BPRS. Employing Purposive Sampling across 20 provinces with the largest assets from 2019 to 2022, the Panel Granger Causality analysis indicates a connection between the exchange rate and NPF. However, economic growth, inflation, and BI Rate show no association with NPF. This suggests significant exchange rate exposure in the BPRS portfolio, necessitating cautious foreign exchange risk management through hedging, regular currency movement monitoring, and consideration of local currency financing policies. Sharia-compliant hedging via forward agreement contracts aligning with Fatwa DSN-MUI No.96/DSN-MUI/IV/2015, PBI No. 18/2/PBI/2016, and Opini DPS No. 17/26/DPS/XII/2015 on Sharia Hedging Plans should be implemented.

PENGARUH MOTIVASI PEGAWAI, LOCUS OF CONTROL DAN SELF EFFICACY TERHADAP KINERJA PEGAWAI DENGAN ETIKA KERJA ISLAMI SEBAGAI VARIABEL MODERATING (STUDI EMPIRIS PADA SATUAN KERJA KEMENTERIAN AGAMA PADANGSIDIMPUAN) Aisyah, Insanul; Harahap, Darwis; Gautama, Budi
Jurnal Warta Dharmawangsa Vol 19, No 2 (2025)
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/wdw.v19i2.6353

Peran Pendidikan dalam Mendorong Kemandirian Ekonomi Masyarakat Desa Tertinggal: Indonesia Harahap, Azhari; Gautama, Budi
TEKNOBIS : Jurnal Teknologi, Bisnis dan Pendidikan Vol. 3 No. 1 (2025): TEKNOBIS : Jurnal Teknologi, Bisnis dan Pendidikan
Publisher : Shofanah Media Berkah

Show Abstract | Download Original | Original Source | Check in Google Scholar

Penelitian ini membahas peran pendidikan dalam mendorong kemandirian ekonomi masyarakat desa tertinggal. Pendidikan, baik formal maupun nonformal, memiliki potensi besar untuk meningkatkan keterampilan, pengetahuan, dan sikap kewirausahaan masyarakat. Namun, berbagai kendala seperti akses terbatas, rendahnya partisipasi, dan kurangnya relevansi materi masih menjadi hambatan. Studi literatur menunjukkan bahwa pendidikan nonformal seperti pelatihan dan pendampingan mampu meningkatkan produktivitas dan kesejahteraan masyarakat desa. Oleh karena itu, pendidikan yang kontekstual dan berbasis potensi lokal menjadi strategi penting dalam upaya pemberdayaan ekonomi desa.

THE EFFECT OF CONTENT CREATOR ENDORSEMENTS ON MSME CONSUMERS' PURCHASING DECISIONS Nurfaisah, Nurfaisah; Hasibuan, Abdul Nasser; Gautama, Budi
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.11084

In the digital era, marketing strategies have shifted from conventional media to more dynamic and interactive social media. One of the strategies that is growing rapidly is the use of endorsements by content creators to influence consumer purchase decisions. This study aims to find out the extent of the influence of content creator endorsements on purchase decisions on MSME products. This study used a quantitative approach with multiple linear regression method and involved 75 respondents, which were determined based on the Malhotra formula (at least five times the number of indicators). The results showed that endorsements had a positive and significant influence on purchase decisions, with a significance value of 0.000 and a regression coefficient of 0.705. These findings indicate that collaboration with content creators can be an effective and efficient promotional strategy for MSMEs in reaching a wider market through social media.

Peran Inovatif Fintech dan ChatGPT di Dunia Pendidikan rizky_amnah, Rizky; Nurfaisah, Nurfaisah; Tanjung , Elapinia; Gautama, Budi
Proceedings of International Conference on Islamic Economic Finance and Social Finance (ISSN: XXXX-XXXX) (ESSN: XXXX-XXXX) Vol. 5 (2024): Proceedings of ICONIC SOF: Proceedings of International Conference on Islamic Economi
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62086/10.62086

The digital era has transformed various aspects of life, including education. The presence of Artificial Intelligence (AI) has impacted various fields of life. One AI product is ChatGPT, developed by the nonprofit company OpenAI, which was founded in 2015.ChatGPT, an innovative AI tool, has emerged as an alternative learning resource for addressing educational challenges. ChatGPT by OpenAI is a machine-based artificial intelligence technology trained to mimic human conversation through Natural Language Processing (NLP). In practice, ChatGPT can be utilized to generate scientific writing or even books, guided by well-constructed prompts that enhance its effectiveness. This opens up vast opportunities for innovation in Indonesian education, particularly in improving students' writing skills in schools and universities. This approach helps students achieve the six key competencies required in Education 4.0: critical thinking, collaboration, communication, creativity, character education, and citizenship. An experiment using ChatGPT showed that it could generate a 693-word piece, which can be further developed for subsequent assignments, providing valuable assistance to students in their educational journey.

Resilience Test: The Interplay of Macro Trends and Troubled Financing in Indonesian Sharia People's Financing Bank Siregar, Depanan Habib; Rasyid, Arbanur; Gautama, Budi; Nasirin, Wanda Khairun
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i2.14705

Abstract,The increasing trend of BPRS in Indonesia signifies extensive community funding. However, some provinces faced problematic financing, with NPF exceeding 5%, notably over 10% in certain areas. Macroeconomic trends impact socio-economic conditions, leading to financial challenges like inflation fluctuations, unstable Rupiah exchange rates, and a significant decline in the BI Rate affecting the competitiveness of Sharia financing against conventional loans. The study aims to analyze the relationship between macroeconomic factors and troubled financing in Indonesian BPRS. Employing Purposive Sampling across 20 provinces with the largest assets from 2019 to 2022, the Panel Granger Causality analysis indicates a connection between the exchange rate and NPF. However, economic growth, inflation, and BI Rate show no association with NPF. This suggests significant exchange rate exposure in the BPRS portfolio, necessitating cautious foreign exchange risk management through hedging, regular currency movement monitoring, and consideration of local currency financing policies. Sharia-compliant hedging via forward agreement contracts aligning with Fatwa DSN-MUI No.96/DSN-MUI/IV/2015, PBI No. 18/2/PBI/2016, and Opini DPS No. 17/26/DPS/XII/2015 on Sharia Hedging Plans should be implemented.

Long-Term And Short-Term Estimations On Indonesian Coal Exports Nasirin, Wanda Khairun; Rukiah, Rukiah; Gautama, Budi; Haruna, Khadija
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 9, No 1 (2023): JUNI 2023
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v9i1.7718

The problem in this study is that Indonesia's trade balance experienced a deficit due to a shrinking surplus in the non-oil and gas sector from coal commodities. Thus, this study aims to estimate the long-term and short-term exports of Indonesian coal commodities within a gravity framework. This research method uses a panel vector error correction exogenity model (PVECMX) with Eviews 10. The long-term test results show that Indonesia's GDP affects Indonesia's coal exports in the long term. That is, an increase in Indonesia's GDP through equal distribution of people's income is the main factor in the large volume of exports of Indonesian coal commodities. The negative long-term effect of the destination country's GDP is related to the export volume of Indonesian coal commodities. The results of this study prove that there is a long-term negative effect between the population of the destination country on the volume of Indonesian coal exports. Distance in the short term has a negative effect on Indonesia's coal exports. This research suggests that the Government of Indonesia is expected not to ban coal exports anymore in the future and focus on renewable energy to be able to meet demand for coal exports by estimating policy transformation through integration between the government and coal entrepreneurs. This study recommends short-term solutions to increase production costs and optimally and more intensively utilize production factors. In the long term, it is now possible to increase the number of goods supplied.

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