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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL PENDIDIKAN TAMBUSAI International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Penelitian Ekonomi Akuntansi (JENSI) el-Amwal Sharia Economic and Management Business Journal (SEMBJ) Jurnal Ekonomi, Manajemen, Akuntansi International Journal of Islamic Business Management Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Reni Ria Armayani Hasibuan
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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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.
ANALISIS EKONOMI POLITIK KRISIS ENERGI GLOBAL TERHADAP KEBIJAKAN SUBSIDI ENERGI DI INDONESIA Rizky Amelia Siregar; Hanifa Ayu S; Ahmad Zaki Sinulingga; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

The ongoing global energy crisis from 2022 to 2025 has significantly affected the economic and political stability of developing countries, including Indonesia. The fluctuation of oil, natural gas, and coal prices due to geopolitical conflicts and global energy transition has placed strong pressure on Indonesia’s national energy subsidy policy. This study aims to analyze how the global energy crisis influences Indonesia’s energy subsidy policy through a political economy perspective. A qualitative descriptive approach was applied using document and policy discourse analysis, drawing on sources such as Indonesia’s 2025 State Budget Financial Note, reports from the International Energy Agency (IEA), the World Bank, and various government statements. The findings reveal that Indonesia’s energy subsidy policy is not merely economically driven but is also shaped by complex political considerations aimed at maintaining social stability and regime legitimacy. The government utilizes energy subsidies as a political instrument to preserve public trust amid fiscal pressures resulting from global energy price volatility. This study contributes theoretically by strengthening the understanding of energy subsidies as a politicaleconomic instrument, and practically by providing policy recommendations for a more transparent, gradual, and sustainable energy subsidy reform aligned with Indonesia’s energy transition goals.
ANALISIS KEBIJAKAN PEMERINTAH DALAM MENDORONG EKONOMI DESA DI INDONESIA Andini Fadhila Hasibuan; Fahmil Fadillah; Rizkiyawan Wijaya; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze the effectiveness of government policies in encouraging the development of the village economy in Indonesia, with a focus on the Village Fund (Dana Desa) program and its supporting policies from 2015 to 2024. Using a qualitative approach combined with secondary data analysis and policy evaluation frameworks, this research examines the extent to which fiscal decentralization, infrastructure development, village-owned enterprises (BUMDes), and human resource capacity-building programs have contributed to economic growth, poverty reduction, and inequality decline at the village level. The findings reveal that although the Village Fund has significantly increased physical infrastructure and village economic activity, its impact on inclusive and sustainable economic growth remains limited due to uneven implementation capacity, lack of innovation in BUMDes management, and weak monitoring and evaluation systems. This study recommends policy reforms that emphasize economic empowerment based on local potential, digitalization of village governance, and stronger synergy between central and regional governments to achieve a more equitable and sustainable village economy.
ANALISIS FAKTOR-FAKTOR PENENTU PERTUMBUHAN EKONOMI INDONESIA: INFLASI, EKSPOR, DAN KEBIJAKAN FISKAL Anggi Rizkina Sari Siregar; Fadhila Isfa; Raihana Azzahra; Yogi Pandapotan Siregar; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

Pertumbuhan ekonomi merupakan indikator utama dalam menilai keberhasilan pembangunan suatu negara, termasuk Indonesia sebagai negara berkembang. Pertumbuhan ekonomi yang berkelanjutan tidak hanya dipengaruhi oleh faktor internal, tetapi juga oleh dinamika global yang memengaruhi stabilitas makroekonomi. Penelitian ini bertujuan untuk menganalisis faktor-faktor penentu pertumbuhan ekonomi Indonesia, khususnya inflasi, ekspor, dan kebijakan fiskal, dengan menggunakan pendekatan kualitatif. Metode penelitian yang digunakan adalah studi pustaka dengan menelaah jurnal ilmiah nasional, laporan Badan Pusat Statistik (BPS), Bank Indonesia, serta dokumen kebijakan pemerintah. Hasil penelitian menunjukkan bahwa inflasi yang terkendali berperan penting dalam menjaga stabilitas ekonomi dan daya beli masyarakat, ekspor menjadi motor penggerak pertumbuhan ekonomi melalui peningkatan devisa dan aktivitas produksi, serta kebijakan fiskal memiliki peran strategis dalam menstimulasi pertumbuhan ekonomi dan menjaga stabilitas perekonomian nasional. Namun demikian, ketergantungan pada sektor komoditas dan ketimpangan struktural masih menjadi tantangan utama dalam mendorong pertumbuhan ekonomi yang inklusif dan berkelanjutan di Indonesia.
PERAN PEREKONOMIAN INDONESIA DALAM MENDUKUNG PEMBANGUNAN BERKELANJUTAN MELALUI INTEGRASI SDGS DAN KEBIJAKAN PUBLIK NASIONAL Anisah Harahap; Muzayyana; Robbani hafidz Lubis; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 6 (2025): Desember
Publisher : CV. Barokah Publsiher

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This study examines the role and challenges of Indonesia in achieving sustainable development in line with the Sustainable Development Goals (SDGs). Sustainable development in Indonesia is not solely focused on economic growth, but also emphasizes the balance between social equity, environmental protection, and good governance. This research employs a literature review method by analyzing national academic journals and policy documents related to sustainable development in Indonesia published after 2020. The findings indicate that Indonesia has demonstrated a strong commitment to sustainable development through the integration of the SDGs into national and regional development planning frameworks. However, the implementation process still faces several obstacles, including regional disparities, environmental degradation, limited institutional capacity, and suboptimal community participation. In addition, global challenges such as climate change and economic instability further affect the achievement of sustainable development targets in Indonesia. Therefore, strengthening evidence-based policies, enhancing cross-sectoral collaboration, and utilizing innovation and technology are essential to support inclusive and sustainable development. This study is expected to contribute both academically and practically to enriching the discourse on sustainable development in Indonesia and to provide insights for policymakers and stakeholders.
Effect of Halal Certification, Halal Awareness, Product Quality and Price on Consumer Purchase Interest (Case Study: Mie Ayam Mushroom Haji Mahmud S.) Sri Rahmawati Isnaini Ginting; Sugianto Sugianto; Reni Ria Armayani Hasibuan
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 2 No. 2 (2022): Desember
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v2i2.1028

Abstract

This study aims to determine the effect of halal certification, halal awareness, product quality and price on consumer buying interest. This research was conducted using quantitative research. The population in this study amounted to 3,000 with a sample of 97. The sampling method was simple random sampling technique. This study uses primary data, with multiple linear regression data analysis method using SPSS 15. Based on the results of the first hypothesis test, it is known that the significant value of halal certification is 0.045 (sig < 0.05) with a t-count value of 2.030 > 1.986 (t-count > t-table). The second hypothesis test shows a significant halal awareness of 0.002 (sig < 0.05) with a t-count value of 3.626 > 1.986 (t-count > t-table), the third hypothesis shows a significant product quality 0.006 (sig < 0.05) with a t-value -count 2.812 > 1.986 (t-count > t-table), the fourth hypothesis is significant 0.910 (sig > 0.05) with t-count value -0.113 < 1.986 (t-count < t-table). Based on the results of the fifth hypothesis test, it is known that the significant value is 0.000 (sig < 0.05) with an f-count value of 32.542 > f-table 2.471. The results of this study indicate that Halal Certification, Halal Awareness, Product Quality and Price simultaneously have a significant effect on consumer buying interest.
Analysis of Wadiah Savings Product Marketing Strategy at Bank Syariah Indonesia KCP Aek Kanopan Riska Suryani Tanjung; Reni Ria Armayani Hasibuan
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.634

Abstract

This research was conducted using descriptive qualitative research methods. Qualitative research is a type of research whose discovery is not through statistical procedures or other forms of calculations and seeks to understand and interpret certain situations from the perspective of the researcher himself. The most important and most needed business activities today are financial and banking institutions, because the function of banking itself is an intermediation institution that plays a role in supporting the economic growth of a country. The marketing concept is the key to achieving company goals and providing expected satisfaction effectively and efficiently. In an interview conducted by the author to Customer Service, that so far customers in BSI KCP Aek Kanopan preferred to use savings with the principle of wadiah. Based on the rationale, the apprenticeship report took the title "Analysis of the Marketing Strategy of Wadiah Savings Products at the Indonesian Sharia Bank KCP Aek Kanopan".
Branding of Halal Accommodation in Supporting Sharia Tourism Reni Ria Armayani Hasibuan; Azhari Akmal Tarigan; Chuzaimah Batubara; Nurhayati Nurhayati
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.1898

Abstract

Background: The global Muslim population reached 26% in 2020 and is projected to reach 34% by 2070, driving significant demand for halal tourism. Indonesia, as the country with the largest Muslim population, possesses enormous potential for Sharia tourism development, yet faces challenges including unclear regulations, limited facilities, and low public awareness of halal certification. In Aceh, only two out of 84 accommodation units have obtained halal certification despite many claiming to operate on Sharia principles. Method: This study employed a quantitative approach with explanatory and correlational research design. A sample of 600 respondents was selected using simple random sampling from star-rated hotels in Banda Aceh. Data were collected through closed questionnaires with a 1-5 Likert scale. Data analysis utilized Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) using SmartPLS 4.0 software. Results: The results indicate that all branding variables—Brand Salience, Brand Meaning, Brand Response, Brand Resonance—and the Role of Government have significant positive influences on Sharia tourism development (p-value < 0.05). Brand Resonance demonstrated the strongest influence (path coefficient 0.321), followed by the Role of Government (0.289). The model showed good goodness of fit with SRMR 0.035 and NFI 0.926. Conclusion: The conclusion emphasizes that strong halal accommodation branding and government support through regulation and oversight are essential keys to positioning Aceh as a leading destination in the global halal tourism industry.
Co-Authors Abdul Azis Ahmad Zaki Sinulingga Andini Fadhila Hasibuan Anggi Rizkina Sari Siregar Anisah Harahap Aqwa Naser Daulay Azhari Akmal Tarigan Chuzaimah Batubara Fadhila Isfa Fahmil Fadillah Hanifa Ayu S Harahap, Muhammad Ikhsan Hendra Harmain Imam Alfariqi Khoirun Rizky M. Azy Rahmanda M. Ferdiyan M. Rafiq Efrianda M. Ryansyah M. Yafiz M. Yafiz Mahirah Marwa Syaharani Marwah Auliyani Muzayyana Naili Nuril Aufa Manik Nanda Ardi Tama Nur Hapijah Sihombing Nurhayati Nurhayati Putri Indah Fadillah Raihan Hidan Bugis Raihana Azzahra Ricky Pane Riska Suryani Tanjung Rizki Munaito Siregar Rizkiyawan Wijaya Rizky Amelia Siregar Robbani hafidz Lubis Sabrina Noor Wijaya Sarmnia Hsb Serli Andiranti Sinta Nova Siti Hot Nita Hasibuan Siti Khairani Sri Rahmawati Isnaini Ginting Sugianto Sugianto Syahri Ramadhan Tari Rizkya Fona Yogi Pandapotan Siregar Yumna Syifa