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All Journal Proceeding SENDI_U Jurnal Pengabdian Masyarakat Akademisi Media Ekonomi
R. Ajeng Entaresmen, R. Ajeng
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Humanities Chemical Engineering, Chemistry & Bioengineering Economics, Econometrics & Finance Education Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Media Ekonomi

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STRATEGI PEMASARAN PRODUK CICIL EMAS BERBASIS AKAD MURABAHAH PADA LEMBAGA KEUANGAN SYARIAH: STUDI KASUS BANK X Entaresmen, R. ajeng; Windhy Puspitasari; Defita Fitrianingsih
Media Ekonomi Vol. 32 No. 2 (2024): Oktober
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/8f8n9x29

Abstract

Gold installment financing is an investment-oriented financial product that allows customers to acquire gold through a structured payment plan. Gold is considered a resilient and promising asset, offering significant advantages as it tends to maintain its value over time and is not susceptible to inflationary pressures—unlike savings held in cash, which depreciate in value due to inflation. Consequently, gold saving emerges as a highly competitive and strategic financial choice. The relatively stable resale value of gold, which often does not significantly deviate from its initial purchase price, enhances its attractiveness as an investment vehicle. This study aims to: (1) examine the implementation of the murabahah contract in the marketing strategy of gold installment products for increasing customer acquisition (a case study at Bank X); and (2) analyze strategic factors through a SWOT framework, strengths, weaknesses, opportunities, and threats, in the promotion of these products using murabahah contracts. This research adopts a qualitative approach aimed at developing a comprehensive understanding of the phenomena as perceived by research participants, including behaviors, perceptions, motivations, and actions, within a natural setting, and through descriptive narratives expressed in verbal form. Data were analyzed using SWOT analysis. The findings indicate that the gold installment financing scheme using the murabahah contract at Bank X is a facility developed by PT X, and has successfully engaged with cooperatives, institutions, and Islamic financial entities. These partnerships represent valuable assets that should be continuously nurtured and maintained to support sustainable customer growth
DETERMINASI PERTUMBUHAN EKONOMI DIGITAL DI INDONESIA: BUKTI DARI DATA PANEL 34 PROVINSI, 2019–2024 Chan, Nuraini; Entaresmen, R. Ajeng; Shalahudin, Ziad Aljundi; Susanti, Azizah Amelia Eka
Media Ekonomi Vol. 34 No. 1 (2026): April
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/v34i1.26419

Abstract

This study examines how MSMEs, government investment, and digital literacy relate to digital economic growth across Indonesia, using panel data from 34 provinces between 2019 and 2024. Data were drawn from BPS and relevant government agencies. The study applies panel data regression to capture variation across both time and geography. Three model specifications were tested: Fixed Effects, Common Effects, and Random Effects. To select the best fit, two tests were performed — the Chow Test, which compared Common Effects against Fixed Effects, and the Lagrange Multiplier (LM) Test, which compared Common Effects against Random Effects. Findings from both tests identified the most appropriate specification for the data. MSMEs and government investment both show positive, statistically significant effects on digital economic growth. Digital literacy, however, does not. This suggests that simply expanding infrastructure or growing the number of MSMEs is not enough — the quality of human resources matters too, and current policy may be underweighting it.
Co-Authors Ata, Muhammad Budi Santosa Budi Santosa Cahyati, R. Aal Chan, Nuraini Defita Fitrianingsih Koramen Haulian Sirait Muhammad Zilal Hamzah, Muhammad Zilal Shalahudin, Ziad Aljundi Susanti, Azizah Amelia Eka Wan Usman, Wan Windhy Puspitasari Zulkifli Husin, Zulkifli