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Pengaruh pertumbuhan ekonomi, pengeluaran pemerintah dan tingkat pendidikan terhadap ketimpangan pendapatan 10 provinsi di indonesia ditinjau dari perspektif ekonomi islam tahun 2020-2024 Aspiah, Halimatul; Budimansyah, Budimansyah; Rahman, Taufiqur
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.5212

Abstract

Hambatan utama pertumbuhan ekonomi di Indonesia, khususnya di daerah-daerah dengan kesenjangan pendapatan paling parah, adalah masalah struktural ketidaksetaraan pendapatan. Ketidaksetaraan akibat pemulihan ekonomi yang tidak merata telah menjadi perhatian yang lebih besar selama dan setelah pandemi COVID-19. Dari sudut pandang ekonomi Islam, penelitian ini bertujuan untuk menguji pengaruhnya pertumbuhann ekonomi, pengeluaran pemerintah, dan pendidikan terhadap ketimpangann pendapatan di sepuluh provinsi di Indonesia yang menunjukkan tingkat ketidaksetaraan tertinggi di tahun 2024. Analisis regresi data panel adalah alat yang dipilih untuk studi kuantitatif ini. Dengan menggunakan strategi pengambilan sampel bertujuan, data sekunder diperoleh dari Kementerian Keuangan dan Badan Pusat Statistik (BPS). Model Efek Acak (REM) muncul sebagai pemenang dalam penelitian ini setelah melalui pengujian ketat oleh Chow dan Hausman. Berdasarkan data, kita dapat melihat bahwa tingkat pendidikan yang lebih tinggi secara signifikan memengaruhi kesenjangan pendapatan, tetapi pengeluaran pemerintah dan pembangunan ekonomi memiliki pengaruh positif tetapi dapat diabaikan. Kesenjangan pendapatan dipengaruhi secara positif tetapi tidak signifikan oleh pertumbuhan PDB, pengeluaran pemerintah, dan pencapaian pendidikan secara keseluruhan. Faktor-faktor independen masih memiliki kapasitas terbatas untuk menjelaskan fluktuasi ketidaksetaraan pendapatan, seperti yang ditunjukkan oleh koefisien determinasi. Temuan ini menyoroti perlunya optimalisasi kebijakan publik, terutama di sektor pendidikan, dari sudut pandang ekonomi Islam, untuk mencapai distribusi pendapatan yang lebih adil dan merata, karena pertumbuhan ekonomi dan pengeluaran pemerintah tidak sepenuhnya mencerminkan prinsip-prinsip keadilan distributif.  
THE KOREAN WAVE PHENOMENON AND ITS RELEVANCE TO THE COMPETITIVENESS OF LOCAL MSMES IN THE DIGITAL ERA Rafi'Syaiim, Salsabila; Hilal, Syamsul; Budimansyah, Budimansyah
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/afs6vf54

Abstract

The Korean Wave, or Hallyu, has emerged as a powerful global cultural phenomenon that significantly shapes consumer behavior and digital market dynamics across various countries, including Indonesia. The expansion of Korean popular culture encompassing K-Pop, K-Drama, K-Beauty, fashion, and culinary trends has generated substantial economic spillover effects that increasingly influence purchasing decisions, lifestyle preferences, and brand perceptions among Indonesian consumers. This literature review aims to analyze the relevance of the Korean Wave to the competitiveness of local Micro, Small, and Medium Enterprises (MSMEs) in the digital era by synthesizing findings from international and Indonesian scholarly sources. The study identifies that Hallyu has created both opportunities and challenges for local MSMEs. On the one hand, the trend stimulates innovation through the adoption of Korean-inspired product designs, digital marketing strategies, and cross-cultural branding approaches that enhance market visibility and engagement. On the other hand, the dominance of Korean cultural products intensifies competitive pressure, especially for MSMEs that lack digital literacy, creativity, or the ability to adapt to fast-changing consumer trends. The review highlights that MSMEs integrating Korean cultural elements such as aesthetic storytelling, influencer collaboration, and trend-based product modification tend to demonstrate stronger competitive advantage within digital marketplaces. Furthermore, strategic support from government institutions, digital platforms, and entrepreneurial training programs is essential to help MSMEs optimize opportunities stemming from global cultural trends. Overall, the Korean Wave presents a transformative cultural-economic landscape that compels Indonesian MSMEs to innovate, adapt, and strengthen their digital capabilities to remain relevant and competitive. This study contributes to understanding how cross-cultural influences shape MSME development and provides recommendations for enhancing resilience and competitiveness in the digital economy.
IMPLEMENTATION OF BANK OPERATIONAL RISK MANAGEMENT IN HUMAN RESOURCE MANAGEMENT AT BANK SYARIAH INDONESIA Putri, Titania Diana; Ghofur, Ruslan Abdul; Budimansyah, Budimansyah
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/a91nrc31

Abstract

This study examines the integration of Islamic economics and the digitalization of Micro, Small, and Medium Enterprises (MSMEs) as a strategic approach to achieving economic inclusion within the framework of the Sustainable Development Goals (SDGs). The rapid advancement of digital technologies has transformed business ecosystems globally, offering new opportunities for MSMEs to enhance efficiency, expand market access, and improve financial management. Simultaneously, Islamic economics provides an ethical and justice-oriented foundation that promotes transparency, equitable distribution, and financial inclusion through Sharia-compliant principles. By combining these two frameworks, this study explores how digital innovation and Islamic values can jointly support inclusive and sustainable economic growth. Using a qualitative descriptive approach, data were sourced from academic journals, institutional reports, and policy documents to analyze the impact of digital transformation and Islamic economic practices on MSME development. The findings reveal that the adoption of digital tools such as e-commerce platforms, digital payments, accounting applications, and Islamic fintech significantly enhances MSME competitiveness and financial accessibility. Furthermore, Islamic financial instruments based on profit-and-loss sharing, fairness, and risk-sharing offer ethical alternatives that support business resilience and long-term sustainability. The integration of Islamic economics and digitalization aligns strongly with SDG 1 (No Poverty), SDG 8 (Decent Work and Economic Growth), and SDG 9 (Industry, Innovation, and Infrastructure), demonstrating its potential to advance inclusive economic participation, especially among marginalized groups. The study concludes that a synergistic approach combining digital transformation and Islamic economic principles is essential for building an equitable and resilient economic system. It recommends strengthening cross-sector collaboration, enhancing digital and financial literacy, and expanding access to Sharia-compliant digital infrastructure to maximize the inclusive impact of MSMEs in the digital era.
Challenging Greed, Strengthening Gratitude: A Qur’anic Perspective on Modern Ecological Disasters in Sumatera Habiebie, Gilang Malcom; Badi’ah, Siti; Budimansyah, Budimansyah
EduInovasi:  Journal of Basic Educational Studies Vol. 5 No. 3 (2025): EduInovasi:  Journal of Basic Educational Studies
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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

Abstract

Ecological disasters occurring across Sumatera in recent years reveal that environmental degradation is not merely a natural phenomenon but is deeply intertwined with human moral and behavioral failures. This article examines how greed, excessive exploitation, and the neglect of ecological boundaries contribute to the intensification of floods, landslides, and ecosystem collapse. Using a qualitative descriptive approach, the study integrates Qur’anic teachings—particularly QS. Ar-Rūm:41 and QS. Ibrahim:7—with contemporary environmental analyses to examine the ethical foundations underpinning ecological sustainability. The Qur’an presents greed (ṭama‘) as a destructive inner disposition that leads to fasād (corruption) on earth, while emphasizing syukur (gratitude) and qana’ah (contentment) as virtues that guide humans toward responsible stewardship. The findings suggest that deforestation, illegal mining, river manipulation, and unregulated development in Sumatera align with Qur’anic descriptions of human-induced corruption, leading to ecological imbalance and increased disaster vulnerability. Furthermore, the study highlights that gratitude and contentment offer practical ethical principles that can inform sustainable environmental policies by promoting restraint, accountability, and alignment with ecological carrying capacity. The integration of Qur’anic values with scientific insights provides a holistic framework for addressing environmental crises, emphasizing the need for moral reform alongside technical solutions. Ultimately, the research highlights the importance of integrating Islamic ethical principles into environmental governance to foster equitable, sustainable, and spiritually grounded approaches to ecological preservation.