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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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Peran Biaya Produksi dalam Menentukan Keputusan Produsen Muhammad Raghid Alfatiy; Raihan Ade Ghuffar; Reni Ria Armayani Hasibuan
Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis Vol. 3 No. 3 (2025): Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen dan Bisnis
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/manuhara.v3i3.1999

Abstract

The purpose of this research is to examine how production costs factor into producer choices, particularly those pertaining to output volume, selling price estimation, and company growth strategies. The research examined micro and small business players in Kediri Regency, East Java, employing a descriptive quantitative technique. The findings demonstrate that the production cost structure, particularly the preponderance of variable costs, considerably affects the quantity of output and the margin for price adjustment. It has additionally been demonstrated that saving money encourages manufacturers to take risks and grow their companies. Moreover, management accounting-based cost tracking, waste reduction, and sourcing local raw materials are all cost management tactics that impact a company's strength and ability to compete. Producers' long-term strategic decision-making is therefore influenced by effective production cost management, which in turn affects operational sustainability.
Analisis Elastisitas Harga dan Pendapatan dalam Perspektif Ekonomi Konvensional dan Mikro Islam Zohya Azzura; Eka Christina Waruwu; Reni Ria Armayani Hasibuan
Journal Islamic Global Network for Information Technology and Entrepreneurship Vol. 3 No. 3 (2025): Juli : Journal Islamic Global Network for Information Technology and Entreprene
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/ignite.v3i3.2953

Abstract

This study aims to analyze price elasticity and income elasticity of products by integrating perspectives from conventional economics and Islamic microeconomics. In conventional economics, price and income elasticity are used to understand consumer demand sensitivity to changes in price and income. Meanwhile, Islamic microeconomics adds an ethical dimension, such as the prohibition of israf (wastefulness) and the importance of balanced consumption. The findings indicate that elasticity analysis is crucial not only for business strategies and economic policies but also must incorporate Islamic economic principles to promote sustainable and ethical consumption. This study suggests that integrating Islamic microeconomic values in elasticity analysis can enrich the understanding of consumer behavior and foster more inclusive economic policies.
FAKTOR-FAKTOR YANG MEMPENGARUHI PERILAKU KONSUMEN TERHADAP KEPUTUSAN PEMBELIAN PRODUK ASURANSI JIWA SYARIAH (STUDI KASUS PT. ASURANSI JIWA SYARIAH BUMIPUTERA 1912 CABANG MEDAN) Kahfita Ardana; Fauzi Arif Lubis; Reni Ria Armayani Hasibuan
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1225

Abstract

This study aims to explain the factors that influence consumer behavior towards the decision to purchase sharia life insurance at Bumiputera Sharia Life Insurance. The research method used is a quantitative method. By collecting data using a Likert scale model questionnaire taken from a sample of 95 respondents. In processing research data using the SPSS Release 26.0 For Windows application. Based on the results of the analysis that has been done, the regression equation Y = 0.135 + 0.216+0,294 + 0,309 + 0.197 + e. From the results of statistical analysis it is known that there is a positive and significant effect partially that the four independent variables have a significant effect on the dependent variable. The value of the cultural variable is 2.294, the social variable is 3.058, the personal variable is 2.980, and the psychological variable is 2.339. Then the value >value is 1.98667. Based on the simultaneous F test, the value was 42.994 > 2.47 and a significant 0.000 <0.05. The results of the R correlation test obtained an R value of 0.810, so the R correlation between X and Y variables has a very strong relationship. While the value is 0.656, meaning that 65.6% of purchasing decisions are influenced by cultural factors, social factors, personal factors, and psychological factors, while the remaining 34.4% are influenced by other variables outside this study.
TANTANGAN REGULASI DAN ETIKA FINTECH SYARI’AH DI ERA DIGITAL Rizki Fauziyah Nasution; Maya Anggraini Siregar; M.Rifq Al Fahrezi; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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

Abstract

Perkembangan fintech syariah di era digital menunjukkan pertumbuhan yang signifikan, namun di sisi lain menghadirkan beragam tantangan regulasi dan etika yang perlu direspons secara komprehensif. Transformasi digital menuntut adanya kepastian hukum yang adaptif, terutama terkait perlindungan konsumen, integrasi teknologi berbasis kecerdasan buatan, transparansi transaksi, dan mekanisme kepatuhan terhadap prinsip syariah. Ketidaksesuaian antara kecepatan inovasi fintech dan proses regulasi sering menimbulkan celah hukum yang berpotensi menimbulkan risiko operasional maupun risiko syariah. Selain itu, tantangan etika seperti penyalahgunaan data pribadi, praktik pemasaran yang tidak sesuai kaidah syariah, hingga potensi gharar dalam layanan digital menjadi isu penting yang harus dikontrol. Di sisi lain, perkembangan ekosistem digital membuka peluang besar bagi optimalisasi instrumen keuangan syariah melalui model bisnis baru, seperti peer-to-peer lending syariah, pembayaran digital halal, serta integrasi smart contract dengan akad-akad syariah. Dengan demikian, penguatan sinergi antara regulator, pelaku industri, dan otoritas syariah menjadi kunci untuk menciptakan ekosistem fintech syariah yang aman, inklusif, beretika, dan tetap selaras dengan nilai-nilai syariah dalam menghadapi dinamika era digital.
PENGUATAN KUALITAS SUMBER DAYA MANUSIA DALAM MENGHADAPI BONUS DEMOGRAFI DAN JOB MISMATCH DI PASAR TENAGA KERJA MASA DEPAN Reni Ria Armayani Hasibuan; Cici Ananta Siagian; Putri Nurul Zulia Lubis; Anugrah Permana; M Ali Syahbana
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 2 No. 4 (2025): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN 
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v2i4.7649

Abstract

Bonus demografi di Indonesia (2015-2035) menawarkan peluang pertumbuhan ekonomi melalui proporsi penduduk usia produktif yang mencapai 70%, namun tantangan utama adalah job mismatch di mana keterampilan lulusan tidak selaras dengan kebutuhan industri, menyebabkan pengangguran pemuda 12,24% (BPS, 2025). Penelitian library research ini menganalisis dinamika bonus demografi, penyebab mismatch (kurikulum tidak relevan, minim kolaborasi industri), dampak sosial (kriminalitas, risiko bunuh diri), serta strategi penguatan SDM melalui pendidikan vokasi, program Kartu Prakerja, link and match, dan reskilling/upskilling. Hasil menunjukkan kebijakan pemerintah seperti revitalisasi SMK dan BLK efektif menurunkan TPT menjadi 4,76%, namun tantangan implementasi seperti ketimpangan akses dan infrastruktur digital perlu diatasi melalui reformulasi kurikulum berbasis future skills dan kolaborasi triple helix untuk optimalisasi bonus demografi menuju Indonesia Emas 2045.
ANALISIS PERSEPSI MAHASISWA TERHADAP LITERASI KEUANGAN DIGITAL DALAM PENGELOLAAN KEUANGAN PRIBADI M. Azy Rahmanda; Sabrina Noor Wijaya; Abdul Azis; Sinta Nova; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

The development of digital technology has driven significant transformations in the financial system, including among university students, a young age group that predominantly uses digital financial services. Students are increasingly familiar with the use of e-wallets, mobile banking, and digital investments in their daily financial activities. However, the high adoption rate of these services is not always accompanied by adequate levels of digital financial literacy. This study aims to analyze students’ perceptions of digital financial literacy and its implications for personal financial management. The research method used a qualitative approach through literature review by analyzing journal articles, books, and relevant scientific documents. The results indicate that students’ understanding of e-wallets, mobile banking, and digital investments positively influences personal financial management behaviors, such as budget planning, spending control, and saving and investment decisions. However, limited understanding of the risks, data security, and long-term consequences of using digital financial services remains a major challenge. Therefore, improving digital financial literacy that is applicative and practice-oriented is needed to support wiser and more sustainable personal financial management of students in the digital era
MENDORONG KEMAJUAN EKONOMI INDONESIA MELALUI PENGUATAN LITERASI KEUANGAN DIGITAL DAN PENCEGAHAN INVESTASI SCAM: SEBUAH TINJAUAN LITERATUR Mahirah Marwa Syaharani; Nur Hapijah Sihombing; Khoirun Rizky; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

The growth of the digital economy sector in Indonesia has increased public access to technology-based investment services. However, this development has also led to an increase in investment fraud cases, resulting in significant losses and a decline in public confidence in the investment system. This study uses a literature review method by analyzing various scientific studies that aim to evaluate the role of digital financial literacy in improving investment security and its contribution to national economic growth. The results of the study show that the public’s ability to understand digital financial concepts, recognize security threats, and evaluate investment-related information are important factors in preventing financial fraud. Improving digital financial literacy has also been proven to strengthen consumer protection, increase trust in the digital investment ecosystem, and contribute to accelerating Indonesia’s economic growth.
IMPLEMENTASI TEORI PEREKONOMIAN INDONESIA DALAM MENGHADAPI TANTANGAN GLOBALISASI DAN DIGITALISASI EKONOMI NASIONAL KONTEMPORER MODERN STRATEGIS M. Ferdiyan; Reni Ria Armayani Hasibuan; Nanda Ardi Tama; Siti Khairani; Raihan Hidan Bugis
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze the implementation of Indonesian economic theory in addressing the challenges of globalization and the digitalization of the national economy in a contemporary and strategically modern era. The research employs a qualitative descriptive approach using a literature review method by examining books, academic journals, government policy documents, and other relevant sources. This study highlights the role of Pancasila-based economic theory as the foundation of the national economic system in responding to global economic dynamics and rapid digital transformation. The findings indicate that globalization and digitalization present both opportunities and challenges for Indonesia’s economy, particularly in terms of competitiveness, economic sovereignty, and equitable welfare distribution. Conceptually, the implementation of Indonesian economic theory emphasizes the role of the state in regulating and safeguarding national interests; however, in practice, it faces obstacles such as unequal access to digital technology, the dominance of global economic actors, and limitations in adaptive regulatory frameworks. Therefore, innovative, inclusive, and nationally value-oriented economic policy strategies are required to ensure sustainable economic development amid globalization and digital transformation.
KEMISKINAN DAN KETAHANAN PANGAN DI INDONESIA: TANTANGAN URBANISASI DAN PELUANG DIVERSIFIKASI PANGAN Jumhar Daulay; Nermelita Kaloko; Reni Ria Armayani Hasibuan; Siska Kumala Sari
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

The increasing urbanization in Indonesia has a significant impact on poverty and food security, especially in urban areas. The migration of people from rural areas to cities is not always followed by an increase in welfare due to limited formal employment opportunities, so many migrants work in the informal sector with low and unstable incomes. This condition increases the risk of urban poverty and weakens households’ ability to meet adequate and nutritious food needs. This study aims to analyze the relationship between urbanization, poverty, and food security in Indonesia and to examine the opportunities for food diversification as a strategy to strengthen urban food security. The research method used is a qualitative method with a descriptive approach. Data were obtained through literature studies, policy document analysis, and a review of previous research results relevant to the themes of poverty, urbanization, and food security. Data analysis techniques were carried out through data reduction, data presentation, and interpretive conclusions. The results of the study show that poverty is a major factor causing household food insecurity in urban areas, while food diversification through the use of local resources, urban agriculture, and agricultural technology innovations has the potential to strengthen food security in a sustainable manner.
PERAN USAHA MIKRO, KECIL DAN MENENGAH (UMKM) DALAM PENGEMBANGAN EKONOMI INDONESIA Delia Torsa Purba; Wafiyah Ningrum; Aryadanu Dalimunte; Misagi Mukhti Ginting; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study explores the contribution of Micro, Small, and Medium Enterprises (MSMEs) to Indonesia’s economic development by analyzing their role in GDP, employment absorption, regional business distribution, access to financing, and integration into global value chains. Employing a descriptive qualitative approach through literature review, this research utilizes national journals, government reports, and official statistical data. The findings reveal that MSMEs play a significant role in the national economy, contributing 61% to GDP and 97% to employment absorption. However, MSMEs continue to face several challenges, including limited capital, low levels of digitalization, insufficient human resource quality, and infrastructure disparities. Although MSME participation in export activities has increased, further integration into the Global Value Chain (GVC) and utilization of Global E-Commerce (GEC) are required. This study recommends capacity enhancement, digital transformation, expanded access to financing, and the development of a supportive business ecosystem to maximize the contribution of MSMEs to inclusive and sustainable national economic growth.
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