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All Journal Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Jurnal Intelektualita: Keislaman, Sosial, dan Sains JEP (Jurnal Ekonomi Pembangunan) EKONOMIS : Journal of Economics and Business Equilibria Pendidikan : Jurnal Ilmiah Pendidikan Ekonomi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JAD: Jurnal Riset Akuntansi & Keuangan Dewantara Al-Kharaj: Journal of Islamic Economic and Business Jupeko (Jurnal Pendidikan Ekonomi) Akuntansi'45 Balance : Media Informasi Akuntansi dan Keuangan JEP (Jurnal Ekonomi Pembangunan) Indonesian Journal of Multidisciplinary Sciences JAKBS JEBD Equivalent : Journal of Economic, Accounting and Management El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Economics and Business Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak Journal of Ekonomics, Finance, and Management Studies Ekoman: Jurnal Ekonomi, Bisnis Dan Manajemen Jurnal Studi Islam Indonesia (JSII) INUMIYA: Jurnal Ekonomi Pembangunan E-Jurnal Ekonomi Pembangunan Profetika: Jurnal Studi Islam
Maya Panorama
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Etika Bisnis Dalam Ekonomi Mikro Islam Didi Ashari; Nisrohah; Maya Panorama
Jurnal Studi Islam Indonesia (JSII) Vol. 2 No. 2 (2024): Jurnal Studi Islam Indonesia (JSII)
Publisher : Publication and Inovasi Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jsii.v2i2.915

Abstract

Etika bisnis dalam ekonomi mikro Islam merupakan pedoman etis yang mengatur perilaku pelaku usaha mikro, kecil, dan menengah (UMKM) berdasarkan nilai-nilai Islam. Prinsip-prinsip seperti kejujuran, keadilan, transparansi, dan larangan terhadap praktik curang menjadi landasan utama dalam kegiatan ekonomi. Dalam konteks ini, bisnis tidak hanya berorientasi pada keuntungan materi, tetapi juga bertujuan untuk menciptakan keberkahan, keseimbangan sosial, dan kesejahteraan umat, penerapan etika bisnis Islam pada sektor ekonomi mikro berkontribusi dalam membangun kepercayaan konsumen, menciptakan hubungan kerja yang harmonis, serta memastikan tanggung jawab sosial perusahaan. Namun, tantangan seperti rendahnya literasi keuangan, pelanggaran legalitas usaha, dan praktik yang tidak sesuai dengan syariah masih sering terjadi. Hal ini menuntut adanya pembinaan, edukasi, dan pengawasan intensif dari pemerintah, komunitas Islam, dan lembaga keuangan syariah untuk memastikan keselarasan antara praktik bisnis dan prinsip Islam, kasus nyata seperti pelanggaran izin edar produk UMKM, pelanggaran izin label sertifikat halal, dan usaha berbasis syariah yang menunjukkan bahwa integrasi nilai-nilai Islam dalam ekonomi mikro dapat menjadi solusi terhadap berbagai permasalahan. Dengan implementasi yang tepat, etika bisnis Islam mampu menjadi fondasi ekonomi mikro yang inklusif, adil, dan berorientasi pada keberlanjutan.
Distribusi Kekayaan Dalam Ekonomi Mikro Islam Moh Husni Mubarok; M.Taufikurrahman; Maya Panorama
Jurnal Studi Islam Indonesia (JSII) Vol. 2 No. 2 (2024): Jurnal Studi Islam Indonesia (JSII)
Publisher : Publication and Inovasi Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jsii.v2i2.916

Abstract

Distribusi kekayaan dalam ekonomi mikro islam merujuk pada cara pembagian dan penyebaran kekayaan di antara individu dan kelompok dalam masyarakat, dengan tujuan mencapai keadilan sosial dan kesejahteraan umum. Dalam pandangan Islam, distribusi kekayaan tidak hanya dipandang sebagai masalah efisiensi ekonomi, tetapi juga sebagai kewajiban moral dan sosial yang harus dilaksanakan dengan prinsip-prinsip keadilan, keseimbangan, dan pemerataan. Prinsip utama dalam distribusi kekayaan Islam adalah keadilan sosial, di mana setiap individu memiliki hak untuk memperoleh kekayaan sesuai dengan kontribusinya dalam perekonomian, sekaligus menjaga keseimbangan dengan memperhatikan kebutuhan mereka yang kurang mampu. Instrumen utama untuk redistribusi kekayaan dalam ekonomi Islam mencakup zakat, infak, sedekah, dan wakaf. Zakat, sebagai kewajiban yang harus dilaksanakan oleh individu yang memiliki kekayaan tertentu, bertujuan untuk mengurangi kesenjangan antara kaya dan miskin. Sementara itu, infak dan sedekah berfungsi sebagai sumbangan sukarela yang dapat memperluas jangkauan pemerataan kekayaan. Melalui redistribusi kekayaan ini, ekonomi Islam bertujuan menciptakan masyarakat yang lebih adil, sejahtera, dan bebas dari ketimpangan sosial yang tajam. Dengan demikian, distribusi kekayaan dalam ekonomi mikro Islam bukan hanya sekedar mekanisme ekonomi, tetapi juga sarana untuk mencapai tujuan sosial dan spiritual yang lebih tinggi, yaitu kesejahteraan bersama dan solidaritas sosial.
Transformasi Ekonomi Mikro Melalui Peran Lembaga Keuangan Syariah Refa Gustia; Gustina; Maya Panorama
EKOMAN: Jurnal Ekonomi, Bisnis dan Manajemen Vol. 2 No. 3 (2024): EKOMAN: Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Penerbit dan Percetakan CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/ekoman.v2i3.170

Abstract

Transformasi ekonomi mikro melalui peran lembaga keuangan syariah (LKS) menjadi fokus penting dalam pengembangan ekonomi di Indonesia. Penelitian ini bertujuan untuk menganalisis dampak LKS dalam meningkatkan akses pembiayaan bagi pelaku usaha mikro dan kecil serta kontribusinya terhadap pertumbuhan usaha. Metode yang digunakan adalah pendekatan campuran, menggabungkan wawancara mendalam dan survei. Hasil penelitian menunjukkan bahwa produk pembiayaan syariah, seperti mudharabah dan musyarakah, memberikan solusi bagi pelaku usaha untuk mendapatkan modal. Responden melaporkan peningkatan pendapatan dan kapasitas produksi setelah mengakses layanan LKS. Peningkatan literasi keuangan juga berkontribusi pada efektivitas penggunaan layanan keuangan syariah. Meskipun tantangan seperti stigma negatif masih ada, penelitian ini menegaskan bahwa LKS memiliki potensi besar dalam mendorong ekonomi yang inklusif dan berkelanjutan. Temuan ini diharapkan dapat menjadi acuan untuk pengembangan kebijakan di sektor keuangan syariah.
PENGARUH TRANSAKSI NON TUNAI TERHADAP JUMLAH UANG BEREDAR DI INDONESIA TAHUN 2019-2021 DENGAN INFLASI SEBAGAI VARIABEL MODERASI shinta ainur rahmadani; aprika wanti pratama; nurma yunita; Maya Panorama
JAD : Jurnal Riset Akuntansi & Keuangan Dewantara Vol. 5 No. 2 (2022): Juli (2022) - Desember (2022)
Publisher : STIE PGRI Dewantara Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26533/jad.v5i2.1038

Abstract

Non-cash transactions in monetary policy affect the level of money circulating in society. In addition, another factor that affects the amount of money in circulation is inflation. Non-cash transactions in this study use Debt APMK, Credit APMK, and electronic money (e-money). The purpose of this study was to determine the effect of non-cash transactions on the money supply in Indonesia with inflation as a moderating variable during 2019-2021. The research uses secondary data and the analysis technique used is multiple linear regression analysis and the Moderating Regression Analysis (MRA) test. The results of the study state that non-cash transactions have a partially and simultaneously significant effect on the money supply and inflation is able to strengthen the relationship of non-cash transactions on the money supply.
PENGARUH INOVASI PRODUK LOKAL TERHADAP PERMINTAAN MASYARAKAT DAN PERTUMBUHAN PEREKONOMIAN Shalsa Wulandari; Maya Afriyana; Ridho Vinandhito Syamab; Maya Panorama
E-Jurnal Ekonomi Pembangunan Vol. 13 No. 9 (2024): Vol.13.No.9. SEPTEMBER 2024 [634-685]
Publisher : Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EEP.2024.v13.i09.p01

Abstract

Innovative local products have become essential for generating community demand and promoting long-term economic growth. The purpose of this research is to analyze the Influence of Local Product Innovation on Community Demand and Economic Growth. The research method employed is a literature review obtained from previous journals. Innovative locally produced products are increasingly crucial in meeting consumer needs amid intense global competition and rapidly changing market dynamics. This study analyzes how innovation can provide a competitive advantage, add value, and enhance the quality of locally produced goods. Local products can offer relevant, effective, and sustainable solutions through the right innovation, making them a preferred choice for environmentally-conscious consumers who prioritize quality. Innovative local products enable market expansion and the opportunity to generate income from outside the region. This encourages sustainable economic growth and creates new employment opportunities. Keywoards: Product Inovation, Community Demand, Economic Growth
Analisis Dampak Deflasi Terhadap Kesejahteraan Masyarakat Palembang dalam Tinjauan Ekonomi Islam Rolis; Maya Panorama
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 8 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i8.8799

Abstract

The deflation phenomenon that occurred in Palembang City for four consecutive months from April to July 2023 had a significant impact on the local economy, such as weakened purchasing power, increased unemployment, and decreased income for business actors, especially MSMEs. This study aims to analyze the impact of deflation on the welfare of the people of Palembang from the perspective of Islamic economics, emphasizing the values of justice (‘adl), public interest (maslahah), and balance (tawazun). The research method used is descriptive qualitative through literature review and content analysis of various secondary sources, including data from the Central Statistics Agency (BPS), scientific journals, and Islamic economic perspectives. The results show that deflation not only affects the economy but also causes social inequality that contradicts Islamic principles. To address this, policies based on Islamic values are needed, such as optimizing the distribution of zakat and infaq, productive economic training programs, and monetary policies that support justice and welfare. Thus, the Islamic economic approach is considered capable of providing a more holistic solution in facing the challenges of deflation at the local level.
Factors Influencing Non-Performing Financing in Local and Foreign Islamic Banks in Malaysia: The Impact of Staff Efficiency as a Moderator M. Rizki Fadillah; Maftukhatusolikhah; Rinol Sumantri; Maya Panorama; Peny Cahaya Azwari
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9852

Abstract

The high level of Non-Performing Financing (NPF) in Malaysian Islamic banks, particularly higher fluctuations in foreign banks compared to local banks during 2017-2023, threatens financial stability with a market share of 40 percent. This study aims to analyze the influence of internal factors (ROA, FDR, FLP) and external factors (UR, IR, COC) on NPF, with staff efficiency as a moderator. Using a quantitative approach with panel data regression (Fixed Effect Model) and hierarchical regression, secondary data from Fitch Connect, Department of Statistics Malaysia, and Worldwide Governance Indicators. The population includes 16 Islamic banks (11 local, 5 foreign), a purposive saturated sample yielding 112 observations (77 local, 35 foreign). The results show that all six factors significantly affect NPF in local banks, while five factors in foreign banks; staff efficiency moderates FDR, FLP, IR for local and ROA, FLP, UR, IR, COC for foreign banks, improving risk mitigation. The conclusion recommends investment in staff training and anti-corruption policies to reduce NPF.
Muslim Women-Led Agriculture: Strengthen Families and Climate for SDGs in East Java, Indonesia Arodha, Dianidza; Maya Panorama; Moh. Syawaludin; Bahrina Almas; Imamul Arifin; Hilmy Baihaqy Yussof
Profetika: Jurnal Studi Islam Vol. 26 No. 03 (2025): Profetika Jurnal Studi Islam 2025
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/profetika.v26i03.12529

Abstract

Objective: This study analyzes the contribution of Muslim women-led agriculture in Bondowoso Regency to the reduction of household carbon emissions as well as the strengthening of ecological and economic resilience based on tengka values, supporting local SDGs targets. This study also formulates a synergy model for households, Islamic boarding schools, and village governments as a form of women's empowerment aligned with global SDGs objectives. Theoretical framework: This research is based on the integration of sustainable agriculture, women's empowerment, and Islamic ecology based on local wisdom. Tengka values serve as a framework for cultural empowerment that connects low-carbon practices with women's social agency. Literature review: Literature review shows that studies on low-carbon agriculture, women's leadership, and the role of local values are still rarely integrated simultaneously. This research fills this gap through an integrated cultural and institutional approach. Methods: This study uses a qualitative approach with a case study design in Karanganyar Village, East Java. Data was obtained through interviews, observations, and document analysis. Results: The results showed that the production of local bhug-bhug feed from kitchen waste resulted in lower carbon emissions than industrial feed. This practice is able to reduce feed costs by up to 80% and strengthen household economic resilience. Implications: These findings confirm that climate change mitigation can be achieved through gender-equitable and culturally sensitive household farming practices. The synergy model of households–pesantren–village governments has the potential to become a reference for low-carbon village policies. Novelty: The novelty of this research lies in the formulation of a tengka-based women's empowerment model that integrates low-carbon agricultural practices and local institutional synergy. This study places local wisdom and religious institutions as the foundation of sustainable ecological transformation (sdgs).
Co-Authors Ade Habsyah Agung Ramadani Ahrina laila Al Zaphira, Kheyra Alfira Nurjannah Ali Mursyi Abdul Rasyid Alindri Tita Ramadhani aprika wanti pratama Arodha, Dianidza Athalla Naufal Bahrina Almas Bella Fista Bias Puspa Pitaloka Dewa Brata DEKY, DEKY ANWAR Devina, Dhea Dewi Aminah Lestari Didi Ashari Dyah Puspa Rahmiati Egi Perdana Putra Esavira Yunitasya Fitria Futri Fitriyeni Gustina Hilmy Baihaqy Yussof Hilmy Mubarok Imamul Arifin Khoirunisyah Lemiyana Lidia Nursanti M. Rizki Fadillah M.Taufikurrahman Maftukhatusolikhah Maharani Azizah Maya Afriyana Mifta Amalia Misbahussururi , Adila Moh Husni Mubarok Moh. Syawaludin Monica, Adela Muhamad Angga Munawar Muhammad Aji Bakri Muhammad Aldino Muhammad Rendy Putra Pratama Wijaya Nabila Hana Nisrohah Novalia, Diah Adinda Nurijal Nurma Yunita Nurul Fauziah Peny Cahaya Azwari Putri Sabrina Rahmat HIdaya Redo Firmansyah Refa Gustia Reza Sagita Ridho Vinandhito Syamab Rinol Sumantri Rissa Azzahra Rista April Diyanti Rohmatun Hasanah Rolis Romi Fadila Sakinah Fakiriyah Shalsa Wulandari shinta ainur rahmadani Solihan Solihan Wahyu Sarvian Putra Yuni Peliansi