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All Journal Martabe : Jurnal Pengabdian Kepada Masyarakat El Mudhorib Jurnal Kajian Ekonomi dan Perbankan Syariah AT-THARIQ: Jurnal Studi Islam dan Budaya J-EBI Jurnal Ekonomi dan Bisnis Islam JPNM : Jurnal Pustaka Nusantara Multidisiplin AmaNU: Jurnal Manajemen dan Ekonomi Hatta: Jurnal Pendidikan Ekonomi dan Ilmu Ekonomi TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah JMIMAS: Jurnal Pengabdian dan Mitra Masyarakat Jurnal Manajemen Bisnis Krisnadwipayana J-EBI Jurnal Ekonomi dan Bisnis Islam
Bayu Sudrajat
IAI K.H. Sufyan Tsauri Majenang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Strategi Manajemen Inovasi dalam Meningkatkan Daya Saing UMKM Kuliner di Kecamatan Karangpucung Yosinta Pangestuti; Bayu Sudrajat
Jurnal Manajemen Bisnis Krisnadwipayana Vol 13 No 1 (2025): Jurnal Manajemen Bisnis Krisnadwipayana
Publisher : Program Studi Magister Manajemen Universitas Krisnadwipayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35137/jmbk.v13i1.352

Abstract

This study aims to analyze the innovation management strategy implemented by culinary Micro, Small, and Medium Enterprises (MSMEs) in Karangpucung District in an effort to increase competitiveness. This study is a type of field research using a qualitative approach with a case study design, data collected through in-depth interviews, observations, and documentation studies on several culinary MSMEs selected purposively. The results of the study indicate that innovation in culinary MSMEs in Karangpucung is dominated by product innovation and marketing innovation, while process and organizational innovation are still limited. The innovation management strategy implemented tends to be informal and ad-hoc, highly dependent on the owner's intuition and response to market feedback. Identification of innovation opportunities mostly comes from consumer demand and observations of local trends, with idea development through small-scale trial and error. Limited capital, knowledge, and access to technology are the main challenges. Nevertheless, these innovations have been proven to contribute to increased sales, product differentiation, and business sustainability, confirming the crucial role of innovation in the competitiveness of MSMEs.
BUNGA YANG DIBOLEHKAN: (Pemikiran Syafruddin Prawiranegara) Roqi Yasin; Bayu Sudrajat; Fatoni Fatoni
J-EBI Jurnal Ekonomi dan Bisnis Islam Vol 3 No 01 (2024): Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam K.H. Sufyan Tsauri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57210/j-ebi.v3.i01.26

Abstract

Bunga bank seringkali dimaknai sama dengan riba. Hal tersebut dikarenakan ketidaksesuaian bunga bank dengan syari’at Islam dalam sistem penetapan bunga. Namun, dalam perspektif yang lain, sebagain ulama memandang bunga bank sebagai sesuatu yang tidak layak dikategorikan sebagai riba karena penentuan bunga adalah masalah mu’amalah atau ekonomi yang dasarnya adalah kerelaan dan kesepakatan. Tokoh Ekonomi Islam Syafruddin Prawiranegara memiliki perspektif bahwa sistem ekonomi berbasis Islam dan bunga bank tidaklah bertentangan satu sama lain. Bunga bank berbeda dengan riba dalam Islam, bunga bank yang wajar tidak sama dengan riba. Riba dalam pandangan Syafruddin adalah keuntungan yang diperoleh dari transaksi yang bersifat eksploitatif dan penipuan, riba bisa terjadi dalam transaksi tunai atau kredit. Sistem ekonomi syariah sebenarnya adalah kegiatan ekonomi yang dibimbing dan diarahkan oleh norma-norma Islam. Tujuan penelitian ini untuk mengkaji secara komprehensif tentang pandangan Syafruddin Prawiranegara tentang Bunga Bank. Penelitian ini menggunakan metode kualitatif non partisipan. Metode ini mengadopsi pendekatan kajian kepustakaan (library reseacrh). Hasil penelitian ini menjabarkan tentang riba dan bunga bank, konsep agama dan ekonomi dalam pandangan Syafruddin Prawiranegara, serta pemikiran Syafruddin Prawiranegara tentang bunga yang dibolehkan.
BIAYA ADMINISTRASI PEMBIAYAAN DI BAITUL MAAL WAT TAMWIL (BMT) DALAM PERSPEKTIF EKONOMI ISLAM Bayu Sudrajat; Masngudi Masngudi
J-EBI Jurnal Ekonomi dan Bisnis Islam Vol 2 No 01 (2023): Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam K.H. Sufyan Tsauri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57210/j-ebi.v2.i01.141

Abstract

BMT provides financing services to the community with the implementation and its products refer to Al-Qur'an and Hadith interpreted in the fatwa of the national sharia council of clerics indonesia. In realizing the financing, BMT also implements the administrative cost of financing as a pre-requisite to be paid by the member of the financing if the financing is realized. The absence of definite technical rules in determining the size of the administrative costs of financing makes the BMT in determining the administrative costs tend to adopt the ways undertaken by conventional financial institutions where in determining administrative costs based on a percentage of the size of the nominal financing. This shows the possibility of the BMT looking for its own advantages behind the administration of financing, because the greater the cost it will be the greater the administrative costs to be paid.
Peran Bank Syariah dalam Keuangan Sosial Islam: The Role of Islamic Banks in Islamic Social Finance Bayu Sudrajat; Firman Dermawan; Hasilan; Meli Tri Nur Azkia
TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Vol. 3 No. 1 (2026): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah
Publisher : Litera Academica Publishing

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

Abstract

This study explores in depth the role of Islamic banks in advancing Islamic Social Finance (ISF), which includes zakat, waqf, ṣadaqah, qardhul ḥasan, and other social-based Islamic financial instruments. The objective of this research is to analyze the strategic functions of Islamic banks in supporting social welfare, reducing socio-economic disparities, and fostering sustainable community empowerment through Sharia-compliant mechanisms. The study employs a qualitative descriptive method by analyzing relevant scholarly works, economic literature, financial regulations, and institutional practices. The findings reveal that Islamic banks serve as key institutions in mobilizing social funds, managing zakat and waqf schemes, initiating benevolent financing, and promoting the professionalization and digitalization of social finance management. Islamic banks are also found to play important roles in enhancing transparency, increasing financial inclusion, improving governance, and ensuring Sharia supervisory compliance. The study concludes that Islamic banks should not be perceived merely as commercial intermediaries, but rather as socio-economic development agents that significantly contribute to social justice and welfare within the Islamic economic system.
Strategi Manajemen Inovasi dalam Meningkatkan Daya Saing UMKM Kuliner di Kecamatan Karangpucung Yosinta Pangestuti; Bayu Sudrajat
Jurnal Manajemen Bisnis Krisnadwipayana Vol 13 No 1 (2025): Jurnal Manajemen Bisnis Krisnadwipayana
Publisher : Program Studi Magister Manajemen Universitas Krisnadwipayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35137/jmbk.v13i1.352

Abstract

This study aims to analyze the innovation management strategy implemented by culinary Micro, Small, and Medium Enterprises (MSMEs) in Karangpucung District in an effort to increase competitiveness. This study is a type of field research using a qualitative approach with a case study design, data collected through in-depth interviews, observations, and documentation studies on several culinary MSMEs selected purposively. The results of the study indicate that innovation in culinary MSMEs in Karangpucung is dominated by product innovation and marketing innovation, while process and organizational innovation are still limited. The innovation management strategy implemented tends to be informal and ad-hoc, highly dependent on the owner's intuition and response to market feedback. Identification of innovation opportunities mostly comes from consumer demand and observations of local trends, with idea development through small-scale trial and error. Limited capital, knowledge, and access to technology are the main challenges. Nevertheless, these innovations have been proven to contribute to increased sales, product differentiation, and business sustainability, confirming the crucial role of innovation in the competitiveness of MSMEs.
Green Sukuk : Inovasi Keuangan Syariah untuk Lingkungan Vina Aruna; Bayu Sudrajat; Alifah Nur Fajrin; Jejen Jaenudin; Muhammad Irfa Ihsanudin
JPNM Jurnal Pustaka Nusantara Multidisiplin Vol. 4 No. 1 (2026): February : Jurnal Pustaka Nusantara Multidisiplin (ACCEPTED)
Publisher : SM Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59945/jpnm.v4i1.1002

Abstract

Green Sukuk merupakan instrumen pembiayaan berbasis syariah yang dirancang untuk mendukung proyek-proyek ramah lingkungan dan pembangunan berkelanjutan. Penelitian ini bertujuan untuk menganalisis perkembangan Green Sukuk di Indonesia, kontribusinya terhadap pencapaian Sustainable Development Goals (SDGs), serta tantangan yang menghambat implementasinya. Metode penelitian menggunakan pendekatan kualitatif melalui studi literatur dan analisis historis terhadap berbagai dokumen resmi, jurnal ilmiah, dan laporan institusional terkait green finance dan keuangan syariah. Hasil penelitian menunjukkan bahwa Indonesia merupakan negara pionir dalam penerbitan Green Sovereign Sukuk dan instrumen ini berkontribusi signifikan terhadap pembiayaan energi terbarukan, efisiensi energi, pengelolaan air, transportasi berkelanjutan, dan mitigasi perubahan iklim. Namun demikian, terdapat sejumlah hambatan seperti rendahnya literasi investor, keterbatasan proyek hijau, tidak seragamnya standar ESG, serta tantangan regulasi. Penelitian ini menegaskan bahwa Green Sukuk memiliki potensi besar untuk menjadi pilar utama pembiayaan berkelanjutan, asalkan didukung oleh kebijakan yang kuat, peningkatan literasi, dan sinergi antar pemangku kepentingan.
ANALISIS PENGARUH PENDAPATAN PEMBIAYAAN IJARAH TERHADAP PENDAPATAN TOTAL DI BAITUL MAL WATAMWIL (BMT) AN-NUR MUHAMMADIYAH CIMANGGU PERIODE 2021-2024 Bayu Sudrajat
HATTA : Jurnal Pendidikan Ekonomi dan Ilmu Ekonomi Vol 3 No 1 (2025): HATTA: Jurnal Pendidikan Ekonomi dan Ilmu Pendidikan
Publisher : STKIP MAJENANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62387/hatta.v3i1.166

Abstract

This study aims to determine the effect of ijarah financing income on total income at BMT An-Nur Muhammadiyah Cimanggu for the 2021-2024 period. This research is a field research using a descriptive-analytical method, meaning that it describes and analyzes data in the field to draw precise and accurate conclusions. The approach used is a quantitative approach. In this study the data used is secondary data in the form of financial reports per semester provided by BMT. The data collection methods are interviews, observation and documentation. The variable in this study is the independent variable in the form of ijarah financing income. While the dependent variable is the total income of BMT. The analytical tool used in this research is simple linear regression. In testing the hypothesis using the coefficient of determination, f test and t test. The results showed that the coefficient of determination (R square) or the determining coefficient was 0.999. Simultaneously, it shows that ijarah income has a significant effect on total income with a significance level of 0.000. Partially, it shows that ijarah income has a significant effect on total income with a significance level of 0.000.
Co-Authors Aji Fanny Permana Alifah Nur Fajrin Anita Oktariyana Fany Permana, Aji Fatma Nur Fadila Fatoni Fatoni Firman Dermawan Hasilan Ichsan Firmansyah Ichsan Firmansyah Jejen Jaenudin Masngudi Meli Tri Nur Azkia Muhammad Irfa Ihsanudin Pifki Farika Azzahra Roqi Yasin Salma Mutinida Syafiqul Majid Vina Aruna Yosinta Pangestuti