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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Bisnis Net : Jurnal Ekonomi dan Bisnis JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen EKSYA: Jurnal Ekonomi Syariah Jurnal Manajemen dan Bisnis Jurnal Ekonomi dan Manajemen (JEKMA) Gemilang: Jurnal Manajemen dan Akuntansi Optimal: Jurnal Ekonomi dan Manajemen (JIMBE) Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen Dan Bisnis Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Journal of Islamic Economics and Finance Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Jurnal Inovasi Manajemen, Kewirausahaan, Bisnis dan Digital Jurnal Inovasi Ekonomi Syariah dan Akuntansi JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Jurnal Ekonomi Bisnis dan Kewirausahaan Journal of Sharia Business Management Ignite: Journal Islamic Global Network for Information Technology and Entrepreneurship Ulil Albab Journal of Golden Generation Abdimas
Reni Ria Armayani Hasibuan
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Penerapan Konsep Sustainable Terhadap Industri Fashion Halal Ditinjau dari Perspektif Islam: Studi Kasus Usaha Jahit Wati Ashari , Fara Sofia; Muhamma Arif; Reni Ria Armayani Hasibuan
Jurnal Ilmu Manajemen, Bisnis dan Ekonomi Vol 1 No 4 (2023)
Publisher : PT Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jimbe.v1i4.130

Abstract

This research aims to analyze the potential and obstacles in implementing the sustainable concept in the halal fashion industry from an Islamic perspective in Wati's sewing business. In the research the author used a descriptive method with a qualitative research type. Research data was collected using interviews, observation and documentation. The results of this research are that the wati sewing business has not implemented the sustainable concept in its business due to a lack of awareness and understanding of the sustainable concept. In the Islamic view, the application of the sustainable concept has a significant impact. As caliph on earth, Wati's sewing business manager has moral and ethical responsibilities in carrying out its operations. There are several strengths if the sustainable concept is applied to the wati sewing business, namely responsibility for the environment, opportunities for innovation, attractiveness for consumers and the wider market, and a pleasant work environment. However, there are also weaknesses, namely financial limitations, technological limitations, limited human resources and lack of training.
Implementasi Strategi Marketing Mix pada Pembiayaan Pensiun PT. Bank Syariah Indonesia KCP. Kota Pinang Rio Wijaya Siregar; Reni Ria Armayani Hasibuan
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 2 No. 3: Februari 2023
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v2i3.1371

Abstract

Tujuan penelitian untuk mengetahui implementasi marketing mix pada pembiayaan pension di Bank Syariah Indonesia. Jenis penelitian yaitu kualitatif. Dari hasil penelitian menunjukkan bahwa implementasi strategi marketing mix pada PT. Bank Syariah indonesia kcp kota pinang berupa 7P.Produk, pembiayaan pensiun salah satu produknya.Harga, biaya administrasi murah serta margin yang bersaing. Promosi, dengan cara mendatangi langsung calon nasabah, sosialisasi dan brosur. Tempat, lokasi strategis.Orang, karyawan yang berperan adalah Sales Force dan Consumer Banking Relationship Manager. Proses, terdapat lima proses dalam melakukan pembiayaan. Bukti fisik, PT. Bank Syariah indonesia kcp Kota pinang mempunyai bangunan yang cukup besar dan rapi.
Peran Aktif Generasi Z dalam Inovasi dan Pemasaran Digital UMKM di Era Teknologi Yusuf Adzka Tarigan; Adelia Gusfira; Reni Ria Armayani Hasibuan
Jurnal Inovasi Manajemen, Kewirausahaan, Bisnis dan Digital Vol. 2 No. 3 (2025): Agustus : Jurnal Inovasi Manajemen, Kewirausahaan, Bisnis dan Digital
Publisher : Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jimakebidi.v2i3.603

Abstract

The development of digital technology has brought about major changes in the way small and medium enterprises (SMEs) run their businesses. Generation Z, as a group that grew up with technology, has an important role in driving innovation and digital marketing strategies for MSMEs. This article examines how Gen Z involvement can improve MSME competitiveness through the use of social media, e-commerce platforms, and the use of other digital technologies. In addition, this article discusses the challenges faced by Gen Z in implementing digital innovation and effective marketing strategies. With a qualitative approach and literature study, this article provides an overview of Gen Z's real contribution to the digital transformation of MSMEs as well as recommendations for increasing synergy between the younger generation and MSME actors for inclusive and sustainable economic progress.
Perbandingan Sistem Bagi Hasil dalam Ekonomi Syariah dan Praktiknya di Lembaga Keuangan Syariah Mhd Mashuri Hamdani Lubis; Farhan Rizki Noor Harun; Reni Ria Armayani Hasibuan
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 3 No. 3 (2025): September: Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v3i3.1927

Abstract

This article discusses the profit-sharing system as one of the main pillars in Islamic economics, focusing on its ideal concept, implementation, challenges, and development opportunities in Islamic financial institutions in Indonesia. This system is based on the principles of justice, partnership, and shared responsibility through mudharabah and musyarakah contracts. Although normatively acknowledged and regulated by Islamic finance fatwas and regulations, its practical application still faces various obstacles such as low Islamic financial literacy, weak supervision, and the dominance of fixed-margin-based products. Nevertheless, digital technology development, the potential of the MSME sector, and the strengthening of Islamic financial regulations and education provide significant opportunities to promote transformation toward a more inclusive and just financial system. Therefore, synergy among financial institutions, regulators, and society is required to optimally realize the implementation of the profit-sharing system in Islamic economic practices.
Keadilan Distribusi dalam Ekonomi Islam sebagai Solusi untuk Ketimpangan Sosial di Indonesia Kurnia Fitri; Valina Sinka; Reni Ria Armayani Hasibuan
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 2 No. 4 (2025): Juli: Jurnal Inovasi Ekonomi Syariah dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v2i4.1237

Abstract

Social and economic inequality in Indonesia is a multidimensional challenge that is not only reflected in the gap in income and wealth, but also in unequal access to education, health, and economic opportunities. The conventional economic system is considered ineffective in overcoming the problem of fair distribution of wealth, thus widening the gap between the rich and the poor. This article aims to analyze the concept of distributive justice in Islamic economics as a solution to social inequality in Indonesia, by highlighting the synergy of zakat, waqf, sharia financing instruments, and the role of government and society. The method used is a systematic literature review with a qualitative-narrative approach to various related academic works. The results of the study show that the application of the principle of distributive justice in Islamic economics through the optimization of zakat, waqf, and alms, as well as strengthening sharia economic regulations and literacy, can reduce social inequality and improve community welfare. The implementation of an inclusive and sustainable Islamic distribution model can reduce the Gini coefficient and strengthen social solidarity, although it still faces challenges in terms of regulation, literacy, and institutional coordination. The conclusion of the study confirms that Islamic economics offers concrete and holistic solutions to overcome social inequality in Indonesia through the integration of divine values, community participation, and state policies that support distributive justice.
Telaah Konseptual Ekonomi Mikro Berbasis Syariah Billi Jenawi; Devani Tarigan; Reni Ria Armayani Hasibuan
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 2 No. 4 (2025): Juli: Jurnal Inovasi Ekonomi Syariah dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v2i4.1255

Abstract

Islamic economics is a branch of science that discusses economic issues like conventional economic systems. However, what distinguishes it is the application of Islamic values ​​as the main foundation in all economic activities. In the context of Islamic microeconomics, decision-making by each economic actor is carried out by considering the limitations of sharia as the main factor. Here, economic variables only act as necessary conditions, while morality and sharia rules act as sufficient conditions. Islamic economics is present as an alternative solution to global economic problems and as a means to achieve spiritual happiness, because economic activities in this system can also be considered worship.
Struktur Pasar dalam Perspektif Islam: Kajian Mikro Ekonomi Terhadap Prinsip Keadilan dan Transparansi Nurul Aini Harahap; Suci Indah Triani; Reni Ria Armayani Hasibuan
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 3 No. 4 (2025): Juli: MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v3i4.1627

Abstract

Market structure is a fundamental element in microeconomic studies that influences the interaction between business actors and consumers. From an Islamic perspective, market structure is not only assessed based on efficiency and competition, but also prioritizes the values of justice and transparency. This study aims to examine how Islamic economic principles are applied in various forms of market structures and their implications for the behavior of economic actors. With a qualitative approach based on literature studies, this article examines the concept of justice ('adl) and openness of information as the main pillars in forming a healthy market according to Islamic law. The results of the study show that Islam encourages the creation of a free market but is still ethically controlled so that there are no practices of exploitation, price manipulation, or misleading information. This finding strengthens the importance of regulations that are in line with Islamic values in forming a sustainable economic system that is oriented towards the common good.
Dampak Kenaikan Harga Barang Pokok terhadap Pola Pengeluaran Masyarakat : Kajian Literatur Ekonomi Konvensional Rio Dwi Maulana; Reni Ria Armayani Hasibuan
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 3 No. 4 (2025): Juli: MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v3i4.1689

Abstract

This study examines the impact of rising commodity prices on household expenditure patterns from the perspective of conventional economic literature. The review method is used to trace and synthesize the findings of studies published nationally in the last five years. The main objective is to analyze how inflationary pressures on basic necessities such as food, fuel, and housing affect expenditure shifts. The review reveals that rising prices of basic products cause families to reduce discretionary spending, allocate budgets, and occupy lower welfare levels. This study contributes to policy recommendations by identifying the most important expenditure factors and recommending targeted social protection. This conceptual article promotes the role of fiscal and monetary stability in fostering household purchasing power in developing countries such as Indonesia. The impact on the economic bottom line is considered in great depth, strengthening the role of price controls, subsidies, and income redistribution activities..
Pengaruh Pembiayaan Syariah terhadap Pertumbuhan UMKM di Indonesia Bastian Ahmadan; Agung Laksono; Reni Ria Armayani Hasibuan
Journal of Islamic Economics and Finance Vol. 3 No. 3 (2025): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v3i3.2959

Abstract

This research intends to assess the influence of sharia reform on the development of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, focusing on key sectors that underpin the national economy. This article employs quantitative methods and secondary data acquired via digital literature research to offer the most recent findings from many sources, including OJK publications, Bank Indonesia, and certified scientific journals. The study's results demonstrate that sharia-compliant principles, including mudharabah, musyarakah, and murabahah, substantially enhance the development, prosperity, and strength of MSMEs. Mudharabah, musyarakah, or murabahah substantially enhance the development, prosperity, and strength of MSMEs. This research provides significant insights for the advancement of equitable and sustainable finance within the Indonesian Islamic economic framework.
Analisis Konsep Monopoli dalam Ekonomi Mikro Islam dan Implikasinya terhadap Keadilan Pasar Hasanatun Fitri; Artika Tri Septia; Reni Ria Armayani Hasibuan
Lokawati : Jurnal Penelitian Manajemen dan Inovasi Riset Vol. 3 No. 4 (2025): July : Jurnal Penelitian Manajemen dan Inovasi Riset
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/lokawati.v3i4.1967

Abstract

Monopoly is a form of market structure characterized by sole control over certain goods or services. In conventional economics, monopoly is often considered as part of market dynamics that can be tolerated under certain conditions, such as natural monopoly. However, from an Islamic microeconomic perspective, monopoly is viewed more critically because it has the potential to cause injustice in the distribution of wealth and market access. This article aims to analyze the concept of monopoly in Islamic economics and examine its implications for market justice. This study uses a descriptive qualitative approach based on literature studies, with sources from classical Islamic literature, the Qur'an, hadith, and contemporary economic theory. The results of the analysis show that Islam forbids monopolistic practices that are detrimental to society, especially in the form of ihtikar or hoarding, and encourages healthy competition and market supervision (hisbah). Thus, the principle of market justice in Islam is not only normative, but has a strong ethical and practical basis to prevent economic domination by a handful of parties.
Co-Authors Abdul Azis Abdul Rahman Adelia Gusfira Agung Laksono Ahmad Zaki Sinulingga Andini Fadhila Hasibuan Anggi Rizkina Sari Siregar Anisah Harahap Anugrah Permana Arifin Fauzi Lubis Artika Tri Septia Aryadanu Dalimunte Ashari , Fara Sofia Bastian Ahmadan Billi Jenawi Cici Ananta Siagian Dela Setia Delia Torsa Purba Devani Tarigan Diana Loemongga Siregar Eka Christina Waruwu Fachri Husaini Fachry Abda El Rahman Fadhila Isfa Fahmil Fadillah Faradilla Arafah Farhan Rizki Noor Harun Febrian, Mhd. Rofi Fitri Dalmayani Fitria Pida, Dinda Hanifa Ayu S Hasanatun Fitri Ika Annisa Imam Syuhada Imsar Imsar Indah Sri Utami Zebua Irhamna Tanjung Jumhar Daulay Kahfita Ardana Khoirun Rizky Kholila harahap Kurnia Fitri M Ali Syahbana M. Azy Rahmanda M. Ferdiyan M.Rifq Al Fahrezi Mahirah Marwa Syaharani Maya Anggraini Siregar Mhd Mashuri Hamdani Lubis Misagi Mukhti Ginting Muhamma Arif Muhammad Arif Muhammad Raghid Alfatiy Muzayyana, Muzayyana Nanda Ardi Tama Nermelita Kaloko NUR AHMADI BI RAHMANI Nur Hapijah Sihombing Nurul Aini Harahap Putri Nurul Zulia Lubis Rahmi Syahriza Raihan Ade Ghuffar Raihan Hidan Bugis Raihana Azzahra Rayhan Tambak Bintang Revi Prastanti Riefdah Ekasari Hasibuan Rio Dwi Maulana Rio Wijaya Siregar Rizki Fauziyah Nasution Rizkiyawan Wijaya Rizky Amelia Siregar Robbani Hafidz Lubis Sabilla, Bunga Sausan Sabrina Noor Wijaya Sinta Nova Siska Kumala Sari Siska Ramayani Damanik Siti Khairani Suci Indah Triani Sudarmansyah Sudarmansyah Syifa Nabilla Siregar Tri Inda Fadhila Rahma Tri Indah Fadhila Rahma Tukma Putri Tanjung Tuti Anggraini Valina Sinka Vera Ayu Ningsih Ritonga Wafiyah Ningrum Widy Tri Sianuri Wulan Amelia Fernanda Yeni Aulia Siagian Yogi Pandapotan Siregar Yusrizal Yusrizal Yusuf Adzka Tarigan Zohya Azzura