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All Journal BAHASA DAN SASTRA JDM Warta Rimba Biotropika Gulawentah:Jurnal Studi Sosial Jurnal Penelitian Kehutanan Bonita JURNAL ILMIAH GLOBAL EDUCATION Masip: Jurnal Manajemen Administrasi Bisnis dan Publik Terapan Ebisnis Manajemen Horizon: Indonesian Journal of Multidisciplinary Jurnal Ekonomi, Akuntansi dan Perpajakan Tadulako Science and Technology Journal Pajak dan Manajemen Keuangan Jurnal Manajemen Bisnis Digital Terkini Journal of Industrial and Syariah Economics Journal of Islamic Finance and Syariah Banking
Moh. Ihsan
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Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Materials Science & Nanotechnology Mathematics Social Sciences Other

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Polemik Tabungan Perumahan Rakyat (Tapera): Sebuah Kajian dengan Pendekatan Interdisipliner Ihsan, Moh.; Rofiq, Aunur; Khusnudin, Khusnudin
Gulawentah:Jurnal Studi Sosial Vol. 9 No. 1 (2024)
Publisher : Universitas PGRI Madiun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25273/gulawentah.v9i1.20497

Abstract

Penelitian ini berjudul Polemik Tabungan Perumahan Rakyat (Tapera): Sebuah Kajian dengan Pendekatan Interdisipliner, yang melatar belakangi dilakukannya penelitian ini karena Implementasi Tabungan Perumahan Rakyat (Tapera) di Indonesia telah menimbulkan berbagai polemik yang mencakup aspek hukum, ekonomi, kebijakan publik, dan tata kelola. Polemik ini memerlukan analisis mendalam untuk memahami implikasinya terhadap masyarakat dan ekonomi nasional. Penelitian ini bertujuan untuk menganalisis polemik Tapera dari perspektif hukum, ekonomi, kebijakan publik, dan tata kelola, serta mengkaji kesesuaiannya dengan prinsip-prinsip ekonomi Islam. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif-analitis. Data dikumpulkan melalui studi literatur, analisis dokumen kebijakan, dan tinjauan penelitian terdahulu. Hasil penelitian menunjukkan bahwa polemik Tapera berpusat pada beberapa isu utama: (1) Aspek hukum, terkait harmonisasi regulasi dan potensi tumpang tindih dengan program jaminan sosial lainnya; (2) Aspek ekonomi, meliputi beban finansial tambahan bagi pekerja dan perusahaan, serta kesesuaiannya dengan prinsip ekonomi Islam; (3) Aspek kebijakan publik, terkait formulasi dan implementasi kebijakan yang mempertimbangkan kebutuhan masyarakat; dan (4) Aspek tata kelola, menyangkut transparansi dan akuntabilitas dalam pengelolaan dana. Kesimpulan dari penelitian ini adalah Implementasi Tapera memerlukan pendekatan yang komprehensif dan integratif, memadukan konsep kebijakan publik modern dengan nilai-nilai dan prinsip-prinsip Islam. Diperlukan penyempurnaan dalam aspek regulasi, mekanisme implementasi, dan tata kelola untuk meningkatkan efektivitas program dan meminimalkan polemik di masyarakat.
Analisis Rasio Kesehatan Kinerja Keuangan pada Koppontren Al Mubarok Lekok Kabupaten Pasuruan Abdussalam, Abdussalam; Ihsan, Moh.; Hidayatullah, Syarif
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 2 (2024): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i2.24

Abstract

 This study aims to analyze the health of financial ratios in Koppontren Al Mubarok, Lekok District, Pasuruan, East Java. The methodological approach used in this research is descriptive-quantitative, using secondary data in the form of financial statements for 5 years. The analysis method used is the analysis of the health of financial performance ratios, namely the ratios of liquidity, solvency, efficiency, and profitability. The results showed that Koppontren Al Mubarok Lekok’s financial ratios were categorized as not good (unhealthy). This is indicated by the liquidity ratios (current ratio and cash ratio) and solvency ratios (debt to equity ratio and debt to asset ratio), on average, since the last 5 years from 2018–2022, are in the category of not good or unhealthy, while the efficiency ratio (Bopo) and profitability ratios (net profit margin, return on assets, and return on equity) are in the category of excellent, as referred to in the standards outlined in the Regulation of the Minister of Cooperatives and Small and Medium Enterprises (SMEs) Regulation No.06/Per/M.KUKM/V/2006 concerning health assessment of reward cooperatives.
Inovasi Produk Perbankan Syariah dalam Menjawab Kebutuhan Masyarakat Modern Ihsan, Moh.
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 1 (2024): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i1.56

Abstract

Rapid developments in the global economy have spurred Islamic banking to continuously innovate in providing products that are responsive to the needs of modern society. This article explores various product innovations in Islamic banking, including syndicated financing, trade finance, wealth management products, start-up financing, and business development. Syndicated financing emerges as an effective solution for large-scale projects requiring substantial funding, guided by principles of justice and sustainability. Meanwhile, trade finance offers financial instruments that facilitate international trade following Sharia principles. Wealth management products and start-up financing provide impetus for wealth management and initial funding for new businesses, based on principles of equity and shared risk. Moreover, innovative business development strategies expand the scope of Islamic banking services and strengthen its position in an increasingly competitive global market. The article also examines the positive impact of Islamic banking product innovations on financial inclusion and sustainable economic growth. By analyzing successes and challenges, this article provides deep insights into how innovations in Islamic banking products not only meet the demands of modern society but also reinforce the integrity and values underlying Sharia principles.
Perlindungan Konsumen dalam Industri Halal: Tinjauan UU No. 8 Tahun 1999 dari Perspektif Hukum Islam Wahab, Fatkhul; Ihsan, Moh.
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 1 (2024): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i1.57

Abstract

Consumer protection in the halal industry is an increasingly important issue as the sector grows in the global market. This article discusses the challenges faced in the implementation of consumer protection regulations, particularly concerning compliance with halal standards. Despite the existence of the Consumer Protection Law (UUPK), many industry players have not fully complied with its provisions, to the detriment of consumers. From the perspective of Islamic law, consumer protection is not only concerned with legal aspects but also with business ethics and morality, where the principles of fairness, responsibility, and transparency are important cornerstones. This article also highlights the role of the government and relevant agencies in ensuring compliance with halal standards and the protection of consumer rights. Through this study, it is hoped that a comprehensive solution can be found to improve consumer protection in the halal industry, by the principles of Islamic law. This study recommends increased supervision, law enforcement, and education to the public to strengthen the position of consumers against business actors.
Pengaruh Kompetensi Kewirausahaan dan Orientasi Kewirausahaan Terhadap Kinerja Usaha di Mediasi Keunggulan Bersaing Pada Usaha Milenial Kopi Keliling di Kota Jambi Devi, Naulia Pitaloka Candra; Dahmiri, Dahmiri; Ihsan, Moh.
Jurnal Ilmiah Global Education Vol. 6 No. 2 (2025): JURNAL ILMIAH GLOBAL EDUCATION, Volume 6 Nomor 2
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v6i2.3740

Abstract

The purpose of this study was to determine and analyze the influence of entrepreneurial competence and entrepreneurial orientation on business performance in the mediation of competitive advantage in the Millennial Coffee Business in Jambi City. The analysis tool used is Partial Least Squares analysis. Based on the results of the study, it can be concluded that entrepreneurial competence and entrepreneurial orientation have a positive and significant effect on competitive advantage and business performance of Coffee Business owners or partners in Jambi City. The higher the entrepreneurial competence and orientation, the greater the competitive advantage achieved, which ultimately has a positive impact on improving business performance. Competitive advantage has been proven to be a mediating variable that strengthens the relationship between entrepreneurial competence and orientation on business performance, so it is important for business actors to continue to develop entrepreneurial skills and innovative spirit in order to maintain and improve their business competitiveness.
Pengaruh Transformasi Digital dan Orientasi Pasar Terhadap Kinerja Usaha di Mediasi Keunggulan Bersaing Pada Usaha Laundry di Kecamatan Muara Bulian Kabupatan Batang Hari Putri, Hilyati Ananda; Dahmiri, Dahmiri; Ihsan, Moh.
Jurnal Ilmiah Global Education Vol. 6 No. 2 (2025): JURNAL ILMIAH GLOBAL EDUCATION, Volume 6 Nomor 2
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v6i2.3741

Abstract

The purpose of this study is to determine and analyze the influence of digital transformation and market orientation on business performance in the mediation of competitive advantage in Laundry Business in Muara Bulian District, Batang Hari Regency. The analysis tool used is Partial Least Squares analysis. The results of the study show that digital transformation has a positive and significant effect on the business performance of business owners or employees of Laundry in Muara Bulian District, Batang Hari Regency, Market orientation has a positive and significant effect on the business performance of business owners or employees of Laundry in Muara Bulian District, Batang Hari Regency, Digital transformation has a positive and significant effect on the competitive advantage of business owners or employees of Laundry in Muara Bulian District, Batang Hari Regency, Market orientation has a positive and significant effect on the competitive advantage of business owners or employees of Laundry in Muara Bulian District, Batang Hari Regency, Competitive advantage has a positive and significant effect on the business performance of business owners or employees of Laundry in Muara Bulian District, Batang Hari Regency, Digital transformation has a positive and significant effect on performance through competitive advantage of business owners or employees of Laundry in Muara Bulian District, Batang Hari Regency and Market orientation has a positive and significant effect on performance through competitive advantage of business owners or employees of Laundry in Muara Bulian District, Batang Hari Regency.
Revolusi Digital Perbankan Syariah: Mendorong Inovasi Keuangan Islam di Indonesia Wahab, Fatkhul; Ihsan, Moh.
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 2 (2025): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i2.74

Abstract

The digital revolution in the Islamic banking sector in Indonesia marks a pivotal transformation from conventional service models to technology-driven, Sharia-compliant financial solutions. This article explores how digital innovation fosters the development of Islamic financial services in Indonesia. Utilizing a qualitative-descriptive approach, this research examines the integration of digital platforms, including mobile banking, fintech sharia, and blockchain, in creating inclusive and transparent Islamic financial ecosystems. The study also highlights the role of regulatory support from financial authorities in accelerating digital adaptation while maintaining Sharia compliance. Key findings indicate that digital transformation not only enhances service efficiency but also expands access to Sharia-compliant finance, particularly for the digitally literate younger generation. However, challenges remain in terms of infrastructure gaps, digital literacy, and the need for standardized Sharia governance frameworks in digital platforms. This paper concludes that the synergy between technology and Islamic values provides a strategic opportunity for Indonesia to lead in global Islamic financial innovation.
Optimalisasi Program Labelisasi Halal Produk Makanan di Kota Palangka Raya Kurniawan, Rahmad; Ihsan, Moh.; Ulfah, Maulida
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 2 (2025): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i2.78

Abstract

Besides its natural beauty, the city of Palangka Raya also has unique culinary delights, special food, and various kinds of locally processed food products, both home and industrial. This research seeks to determine how the halal labeling program for food products is implemented in Palangka Raya, and how to optimize the halal labeling program in Palangka Raya City. This type of research is qualitative, with the research subject being the Ministry of Religion regional office managing halal labeling in the City of Palangka Raya. Data collection techniques used are observation, interviews, and documentation. Validation of data using source triangulation. Data analysis uses collection, reduction, presentation, and conclusion. The implementation of the halal labeling program in Palangka Raya City currently only covers food and beverages and does not include medicines. Thus, the implementation of the halal labeling program for food products in Palangka Raya City provides multiple benefits. The halal labeling program also has the potential to increase the competitiveness of local products in national and international markets. optimizing service programs that have been carried out by the Ministry of Religion (Kemenag) in outreach activities to the public about halal labeling. One of the optimization efforts being made is to recruit halal assistants, namely religious instructors in all regions of Indonesia, especially in Central Kalimantan.
Analisis Laporan Realisasi Anggaran Bidang Bina Marga pada Kantor Dinas Pekerjaan Umum dan Perumahan Rakyat Provinsi Jambi Raudho Lestari; Moh. Ihsan; Dessy Elliyana
Pajak dan Manajemen Keuangan Vol. 2 No. 5 (2025): Oktober : Pajak dan Manajemen Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/pajamkeu.v2i5.1623

Abstract

This study, entitled Analysis of Budget Realization Report in the Road and Bridge Division of the Public Works and Housing Office of Jambi Province, aims to analyze the Budget Realization Report (LRA) and assess the effectiveness and efficiency of budget utilization during the 2021–2023 period. The research employs a quantitative method with a descriptive approach. Data were collected through interviews, financial report documentation, and observation, using purposive sampling techniques. The findings indicate that revenue realization was categorized as effective, with achievement ratios of 96.90% in 2021, 96.70% in 2022, and 96.24% in 2023. Meanwhile, expenditure realization was classified as highly efficient, with ratios of 17.91% in 2021, 11.67% in 2022, and 16.87% in 2023. Based on these results, it can be concluded that the budget management of the Road and Bridge Division at the Public Works and Housing Office of Jambi Province was both effective and highly efficient throughout the study period, and it may serve as a valuable reference for improving infrastructure budget management at the regional level.
PENGARUH FINANCIAL TECHNOLOGY DAN LITERASI KEUANGAN TERHADAP PERILAKU KEUANGAN MAHASISWA Anggraini, Tiara; Machpudin, Asep; Ihsan, Moh.
Jurnal Dinamika Manajemen Vol. 6 No. 3 (2018): Jurnal Dinamika Manajemen
Publisher : Prodi Magister Manajemen Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jdm.v6i3.21030

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh financial technology (fintech) dan literasi keuangan terhadap perilaku keuangan mahasiswa (studi kasus pada mahasiswa akuntansi fakultas ekonomi dan bisnis universitas jambi angakatan 2018). Penelitian ini menggunakan pendekatan kuantitatif. Metode pengambilan sampel menggunakan teknik random sampling dengan rumus slovin. Jumlah sampel dalam penelitian adalah 44 responden. Data yang yang digunakan adalah data primer yang diperoleh melalui kuisioner dengan skala likert. Metode analisis data dalam penelitian ini menggunakan PLS (Partial Least Square) menggunakan software smart PLS 3.0. hasil penelitian ini menunjukkan bahwa variabel financial technology tidak mempengaruhi perilaku keuangan mahasiswa dan variabel literasi keuangan berpengaruh positif dan signifikan terhadap perilaku keuangan mahasiswa.Kata Kunci : Financial Technology, Literasi Keuangan, Perilaku Keuangan Mahasiswa This study aims to analyze the effect of financial technology (fintech) and financial literacy on students' financial behavior (a case study on accounting students at the Faculty of Economics and Business, Jambi University, 2018). This study uses a quantitative approach. The sampling method used a random sampling technique with the slovin formula. The number of samples in the study were 44 respondents. The data used is primary data obtained through a questionnaire with a Likert scale. The data analysis method in this study uses PLS (Partial Least Square) using PLS 3.0 smart software. The results of this study indicate that the financial technology variable does not affect student financial behavior and the financial literacy variable has a positive and significant effect on student financial behavior.Keywords: Financial Technology, Financial Literacy, Student Financial Behavior
Co-Authors Abdul Wahid Abdussalam Abdussalam, Abdussalam Agus Solikhin, Agus Anggraeni Yunita Annisa Annisa Arief Sudhartono Asep Machpudin AUNUR ROFIQ Bagas Putra Wicaksana Dahmiri Daniel Bamotiwa Devi, Naulia Pitaloka Candra Elhayat Labiro Elhayat Labiro Ella Krisnatalia Elliyana, Dessy Fadli Al Ikhsal Fatkhul Wahab, Fatkhul Fauziah Ramadhana Fauziyah Fauziyah Firmansyah Firmansyah Golar Golar Kaleb Muller, Kaleb Karar, Abd. Khusnudin Khusnudin, Khusnudin Kiky Arista Kristianti, Merlica Masria Masria Mikhael Satrio Nugroho Muhammad Efendi, Muhammad Olviyanti Paa Putri, Hilyati Ananda Rahmad Kurniawan Raudho Lestari Rizal Jalil Rodiyati Azrianingsih RR. Ella Evrita Hestiandari Rudini Rudini, Rudini Rugayah Rugayah Rukmi Rukmi Rukmi Said, Al Latif Ramadhani Santo Doni Malau, Santo Doni Satriani Satriani Sgung, Basilius Siregar, Ade Perdana Sri Ningsih Sri Ningsih Sri Ningsih M. Sri Ningsih Mallombasang Sustri Sustri Sustri Syamsiar, Syamsiar Tiara Anggraini Tyas Miranda Ulfah, Maulida Wardah Wardah Widiastuti, Fitri