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All Journal EKONOBIS (JURNAL EKONOMI DAN BISNIS) Society : Jurnal Jurusan Tadris IPS Jurnal Pariwisata Nusantara
Yunia Ulfa Variana
Universitas Islam Negeri Mataram
Economics, Econometrics & Finance Social Sciences

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AKAD MURABAHAH DAN AKAD MUSYARAKAH MUTANAQISAH PADA PEMBIAYAAN KEPEMILIKAN RUMAH DI BSI KANTOR CABANG MATARAM PEJANGGIK 1 Nur Aeda; Yunia Ulfa Variana; Adhitya Bagus Singandaru; Syafrani Ningsih
Journal of Economics and Business Vol 8 No 2 (2022): Ekonobis, September 2022
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ekonobis.v9i2.113

Abstract

Penelitian ini bertujuan untuk mengetahui perbandingan akad murabahah dan akad musyarakah mutanaqisah pada pembiayaan kepemilikan rumah di BSI Kantor Cabang Mataram Pejanggik 1. Jenis penelitian yang digunakan adalah kualitatif yang bersifat deskriptif. Teknik pengumpulan data yang digunakan adalah teknik observasi, wawancara dan dokumentasi pada objek penelitian yang dilakukan. Dapat disimpulkan perbandingan akad murabahah dan musyarakah mutanaqisah dapat diketahui dari perbedaan, kelebihan, serta kekurangan yang ada didalam setiap akad. Serta perbandingan akad murabahah dan akad musyarakah mutanaqisah dapat diketahui banyaknya jumlah nasabah yang menggunakan akad murabahah dibandingkan akad musyarakah mutanaqisah, dikarenakan pada akad murabahah kepemilikan rumah langsung atas nama nasabah berbeda dengan akad musyarakah mutanaqisah yang kepemilikan bersama antara nasabah dan pihak bank, nasabah akan memiliki hak kepemilikan seutuhnya pada rumah ketika membayar porsi bank dan biaya sewa sesuai dengan jangka waktu yang telah disepakati.
REMITANSI DAN PENINGKATAN TINGKAT PENDIDIKAN DAERAH ASAL TKI DI KABUPATEN LOMBOK TIMUR Rahmat Akbar Kurniawan; Yunia Ulfa Variana
SOCIETY Vol. 12 No. 2 (2021): Desember 2021
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/society.v13i2.7130

Abstract

West Nusa Tenggara is the province's fourth largest Indonesian Labor Migran (TKI) senders. East Lombok Regency is a Regency of Indonesia's largest TKI senders. Remittance sent to the NTB amounted to 1.6 Trillion rupiah. The average would reach 142 Billion Rupiah per month or the equivalent of 4.6 Billion Rupiah Per Day assuming 365 days in 1 year. Low HDI East Lombok Regency with abundant resources and high population became a concern. Low education prompted a lot of people in there much be TKI primarily Malaysia. It also encourages management of the remittance that insufficient especially for education. This is due to the low interest of family members for continuing education to a higher level, a source of income only from 1 family member (TKI), TKI depart already incurred the debt when it departs, still lack of education of the TKI cause they are only able to work in the informal sector, the survey results showed there is still yet to use the TKI banking services to remittance TKI, one of which is estimated to be due to the relatively low level of education
How to Develop Coastal Tourism? Evidence from Mataram City, Lombok Yunia Ulfa Variana; M. Setyo Nugroho
Jurnal Pariwisata Nusantara (JUWITA) Vol. 5 No. 1 (2026): Jurnal Pariwisata Nusantara
Publisher : PROGRAM STUDI PARIWISATA SYARAH, FAKULTAS EKONOMI DAN BISNIS ISLAM, UNIVERSITAS ISLAM NEGERI MATARAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/juwita.v5i1.6159

Abstract

Purpose: The objective of this study is to establish a sustainable coastal tourism development framework in Mataram City that integrates environmental, socio-cultural, and economic considerations in a balanced manner. Provide community members with work possibilities, reduce poverty, for-tify local identity, and cultivate a sense of environmental stewardship, nurture the inclination to conserve the environment. Method: This research uses a qualitative, case study-based methodology. Mapping of internal environmental factors (comprising strengths and weaknesses) and exter-nal environmental factors (comprising opportunities and threats) in the coastal regions of Mataram City Lombok. Result: The results of this research revealed that Mataram City's coastal tour-ism offers a wider variety of appealing tourist destinations. An assortment of resources—natural, cultural, and manmade—may serve as an incentive for prospective tourists to visit. Coastal tourism in Mataram City benefits from convenient access and modern amenities. This is attributed to the city's strategic location, which is the epicenter of government and business in the capital of West Nusa Tenggara Province. Furthermore, the promotion and advancement of coastal tourism in Mataram City is bolstered by the collaboration of the tourism pentahelix, an alliance comprised of entities seeking to enhance cultural ties, boost economic engines, and promote environmental preservation. The involvement of local populations in coastal tourism activities inside Mataram City further assists in the advancement of coastal tourism. Contribution: This study contributes to the existing of knowledge by offering recomendation for stakeholders, par-ticularly the public sector, regarding the sustainable development of coastal tourism in Mata-ram City, Lombok Island. Moreover, this research leads to the generation of novel research concepts, such as the growth of urban coastal tourism.
WOMEN'S ROLE IN FINANCIAL REPORTING OF MICRO, SMALL, AND MEDIUM ENTERPRISES: A DECADE-LONG CASE STUDY IN MATARAM CITY (2014–2024) Yunia Ulfa Variana; Rahmat Akbar Kurniawan
SOCIETY Vol. 17 No. 1 (2026): Mei 2026
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/society.v17i1.14806

Abstract

This study investigates the role of women entrepreneurs in financial reporting practices among Micro, Small, and Medium Enterprises (MSMEs) in Mataram City, West Nusa Tenggara Province, Indonesia, over a ten-year period from 2014 to 2024. Grounded in Stewardship Theory (Donaldson & Davis, 1991) and augmented by Islamic financial ethics, this research employs a descriptive qualitative approach supplemented by longitudinal secondary data obtained from the Central Bureau of Statistics (BPS) of Mataram City and the Mataram City Cooperative and SME Office. The study systematically examines three dimensions: (1) the quantitative growth trajectory of women-led MSMEs across the decade, (2) the comparative quality of financial reporting between women- and men-managed enterprises, and (3) the mediating influence of local socio-cultural values—particularly the Sasak concept of 'amanah' (trustworthiness)—on financial accountability behavior. Findings reveal a statistically significant increase of 45% in women's formal participation in the MSME sector, with women-managed enterprises demonstrating superior consistency in daily transaction recording, budget separation, and cash flow management. However, a persistent digital financial literacy gap impedes full adoption of government-mandated accounting tools such as SI APIK. The study concludes that culturally embedded stewardship values substantially reinforce women's financial discipline, representing an underexplored nexus between Islamic moral economy and SME governance. Practical implications are proposed for local government policy on gendered financial literacy interventions.   Kata kunci: Women Entrepreneurs; Financial Reporting; MSMEs; Stewardship Theory; Mataram City; Islamic Business Ethics; Digital Financial Literacy; Gender and Accounting
Co-Authors Adhitya Bagus Singandaru M. Setyo Nugroho Nur aeda Rahmat Akbar Kurniawan Syafrani Ningsih