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All Journal Laa Maisyir Jurnal Ekonomi Islam Jurnal Ekonomi & Studi Pembangunan EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Ahkam: Jurnal Hukum Islam Maqasid: Jurnal Studi Hukum Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics JMM (Jurnal Masyarakat Mandiri) Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan MALIA Istinbath: Jurnal Hukum dan Ekonomi Islam Justisia Ekonomika Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Humanism : Jurnal Pengabdian Masyarakat Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Society: Jurnal Pengabdian Masyarakat Milkiyah: Jurnal Hukum Ekonomi Syariah Jurnal Kreativitas dan Inovasi (Jurnal Kreanova) Chalim Journal of Teaching and Learning Journal of Artificial Intelligence and Digital Business Journal of Waqf and Islamic Economic Philanthropy Jurnal Hukum Islam
Dian Berkah
Universitas Muhammadiyah Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Public Health Social Sciences Other

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The Influence Of Working Capital Financing And Consumptive Financing Of Islamic Commercial Banks On Economic Growth Nabila Aretha Putri Yunaz; Haqiqi Rafsanjani; Dian Berkah
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 4 (2025): Oktober
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i4.8233

Abstract

Economic growth is a main indicator in assessing the development of a country, which is influenced by various factors, including financing distributed by Islamic banking. This research aimed to analyze the influence of working capital financing and consumptive financing by Islamic commercial banks on economic growth in Indonesia. The method used a quantitative approach with the Vector Error Correction Model (VECM) model to analyze the short-term and long-term relationship between the variables of working capital financing, consumptive financing, and economic growth. The data used monthly time series data from the official reports of the Financial Services Authority and the Indonesian Central Statistics Agency for the 2014–2023 period which is processed using Eviews 13. The results showed that consumptive financing had a significant influence on economic growth in the short term. However, the impact is not long-lasting and tends to subside in the long term. In contrast, working capital financing has no direct influence on economic growth in the short term, but in the long term it showed that a stronger linkage to economic growth through increased productivity and investment. This research showed that although consumptive financing can drive economic growth in the short term through increased consumption, the impact is less sustainable compared to working capital financing which contributes more to long-term economic growth. Therefore, the optimization of working capital financing in Islamic banking needed to be increased to support more stable and sustainable economic growth.
Analysis of Islamic Bank Marketing Strategies in Increasing Easy Wadiah Savings Products at BSI KCP Rungkut 1 Mohammad Diki Kurniawan; Rukhul Amin; Dian Berkah
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 4 (2025): Oktober
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i4.8449

Abstract

This study aims to analyze marketing strategies in improving Easy Wadiah Savings products at Bank Syariah Indonesia (BSI) KCP Rungkut 1. This study uses a qualitative approach with a case study method, where data is obtained through direct interviews with the bank as well as related documentation and literature. The results of the study indicate that BSI KCP Rungkut 1 has implemented a marketing strategy based on a marketing mix (7P), which includes products, prices, places, promotions, processes, human resources, and physical evidence. Strategies such as direct reward programs, QRIS cashback promotions, customer education, and community approaches have proven effective in attracting customer interest, especially micro segments such as housewives, students, and MSMEs. The main obstacles faced are low sharia financial literacy and competition with conventional banks. Therefore, increasing community-based literacy and optimizing local digital marketing strategies are important recommendations to strengthen the competitiveness of Easy Wadiah Savings products. This study is expected to be a reference for sharia financial institutions in designing more effective and sustainable marketing strategies.
Waqf Management in the Madura Islands: Analysis of the Implementation of PSAK 112 from a Sharia Economic Perspective Mubarak Mubarak; Dian Berkah; Khairul Jannah
Journal of Waqf and Islamic Economic Philanthropy Vol. 3 No. 2 (2026): February
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/wiep.v3i2.1135

Abstract

This study aims to analyze the implementation of the Statement of Financial Accounting Standards (PSAK) 112 on Waqf Accounting at the Majelis Pendayagunaan Wakaf Muhammadiyah (MPWM) Pamekasan and its compliance with Islamic economic law provisions. The research employs a descriptive qualitative method with a case study approach. Primary data were obtained through in-depth interviews and document observation of financial reports, while secondary data were derived from annual reports, regulations, and scholarly literature. The analysis was conducted using content analysis by comparing field practices with PSAK 112 and Islamic legal regulations (Law No. 41/2004 on Waqf, Government Regulation No. 42/2006, and the DSN-MUI fatwas). The findings reveal that MPWM Pamekasan has presented financial statements in accordance with the PSAK 112 format, including the statement of financial position, statement of activities, cash flow statement, and notes to the financial statements. However, gaps remain in the recognition and measurement of waqf assets, particularly in applying fair value and conducting periodic revaluations. Information disclosure has yet to fully include revaluation policies and waqf management risks. From the perspective of Islamic economic law, regulatory compliance exists, yet public transparency remains limited. This study recommends improving asset valuation accuracy, enhancing disclosures, and increasing report transparency to strengthen accountability in waqf management.
Co-Authors Abdul Basith Abdul Wahab Agus Nurdiansyah Ahdiyat Ilmawan Nehru Al-Farisi, Salman Amalia Lutfi Azzakiyah Amalia Lutfi Azzakiyah Andre Ridho Saputro Atiya, Nikmatul Bustami, Mohammad Reevany Efendy, Imam Nur Elsaviyanto, Yumna Almnas Fahrur Rosi Fatkur Huda FITRIYAH, SAYYIDATUL Haqiqi Rafsanjani Ikhwanuddin, Mohammad Intan Febriyanti Irwan Alnarus Kautsar Isa Ansori Isma Swadjaja Khairul Jannah Laksmana, Zulkarnain Putra Larasati, Pradipta Puspita listriyati listriyati listriyati, listriyati Luluk Latifah M. Hanifuddin Hakim Mohammad Diki Kurniawan Mubarak Mubarak Muchlis Muchlis muchlis muchlis Muhammad Fahmi Azis Muridah Isnawati Nabila Aretha Putri Yunaz Nadid, Erdin Nehru, Ahdiyat Ilmawan Pratama, Roby Julio Rahmah Yulisa Kalbarini, Rahmah Yulisa Ramadlan, Alfain Jalaluddin Ratna Fitri Andini Rekak, Nurlailatul Badriyyah Rukhul Amin Salman Al Farisi, Salman Salsabilla, Salma Nadia Setiawan, Thoat Setiyowati, Arin Setiyowati, Arin Sigit Hermawan Sri Hariati Suhartono Taufiqur Rahman, Taufiqur Thoat Stiawan Tika Widiastuti Umar Sulaiman UTOMO, PRASETYO warsidi warsidi Yusuf Abdul Ajis Zamroni, M. Afif