Articles
Penerapan Konsep Frugal Living dalam Perencanaan Keuangan Pribadi
Inayati, Dessy Nur Isna;
Jamilah, Isnawati;
Sujianto, Agus Eko
Innovative: Journal Of Social Science Research Vol. 4 No. 1 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai
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DOI: 10.31004/innovative.v4i1.7940
Kondisi perekonomian yang tidak pasti menjadi masalah pelik bagi manusia sebagai makhluk ekonomi. Kenaikan biaya hidup yan tidak diikuti dengan peningkatan pendapatan yang sebanding membuat masyarakat harus mencari solusi penyelesaian yang sesuai. Frugal living hadir menjadi salah satu solusi yang banyak dibahas oleh masyarakat saat ini. Frugal living dianggap mampu menjadi jembatan atas ketimpangan kemampuan ekonomi dengan berfokus pada pengeluaran yang tepat. Tulisan ini bertujuan untuk menggali tentang konsep frugal living serta bagaimana penerapan konsep frugal living dalam mendukung perencanaan keuangan individu. Dilakukan studi pustaka dengan pendekatan deskriptif yang mendalam untuk memahami konsep frugal living dan bagaimana peran frugal living dalam mendukung keberhasilan perencanaan keuangan pribadi.
Implementasi Akad Istishna’ Dalam Jual Beli Rumah Non Bank Di Royal Madina Kediri
Soebagio, Fuad Marsetiyo;
Alfisyah, Syaifudin;
Sujianto, Agus Eko
Innovative: Journal Of Social Science Research Vol. 4 No. 1 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai
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DOI: 10.31004/innovative.v4i1.8368
Pembiayaan merupakan produk yang ditawarkan oleh bank dan non bank, lembaga keuangan konvensional dan lembaga keuangan syariah. Pembiayaan menurut prinsip syariah adalah peminjaman uang atau pinjaman berdasarkan perjanjian atau perjanjian pinjam-meminjam antara bank dengan pihak lain dan mengharuskan peminjam untuk melunasi atau dari surat utang setelah jangka waktu tertentu untuk membayar atau membagi keuntungan. Al-Istishna’ merupakan pengembangan dari konsep bai' as-Salam, yaitu menunda waktu penyerahan apabila pembayarannya dilakukan secara mencicil atau ditangguhkan pembayarannya. Ketentuan al-Istishna’mengikuti ketentuan hukum akad as-Salam. Jenis kontrak ini digunakan dalam transaksi hipotek Islam. Fokus penelitian ini adalah: 1) Bagaimana implementasi protokol istishna’Kredit Pemilikan Rumah Syariah (KPR) di Royal Madinah Balabak Kota Kediri. 2). Bagaimana prosedur pembayaran cicilan Habitat Syariah Royal Madinah Balabak Kota Kediri dengan Home Credit (KPR). Metode penelitian ini mengadopsi metode penelitian kualitatif dan metode deskriptif kualitatif, kemudian mengadopsi metode pengumpulan data observasi, wawancara dan penulisan dokumen. Selanjutnya data akan dianalisis melalui tiga tahap: a). Reduksi data, b) penyajian data, dan c). Pengambilan keputusan dan verifikasi. Langkah selanjutnya adalah menggunakan segitiga pegas untuk menguji kekuatan material. Dilihat dari lapangan, produk KPR Royal Madinah menggunakan alat akad Istishna’, yaitu jual beli dilakukan berdasarkan pesanan, dan rumah dibangun dengan persyaratan tertentu. lokasi ditentukan oleh pengembang, pelanggan hanya perlu memilih persyaratan yang dibutuhkan, melakukan pemesanan, dan kemudian akan di buatkan.
Implementasi Competitive Strength, Competitive Area, Competitive Result dalam Peningkatan Daya Saing dan Pemasaran Jasa Pendidikan Islam
Wiratmuko, Bambang;
Masrokan, Prim;
Sujianto, Agus Eko
Irsyaduna: Jurnal Studi Kemahasiswaaan Vol. 3 No. 2 (2023): Agustus
Publisher : LP3M STIT Al Urwatul Wutsqo Jombang
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DOI: 10.54437/irsyaduna.v3i2.1200
His research aims to describe competitive strengths, competitive areas, and Competitive results in improving the competitiveness and marketing of Islamic education services. The urgency of this research is that a deep understanding and implementation of appropriate strategies in competitive strength, competitive area, and Competitive Result can optimize the competitiveness and marketing of Islamic education services. This type of research is categorized as library research using a descriptive-qualitative approach to examine competitive strength, competitive area, and Competitive Result as strategies to optimize the competitiveness and marketing of Islamic education services. Competitive strength includes various factors that play a role in influencing competitiveness. One important aspect is the quality of education. Educational institutions that provide a relevant curriculum, have qualified teachers, and use effective teaching methods have an advantage in providing an optimal learning experience for students. Competitive areas include specific market segments or the overall market that an educational institution targets. It is important to accurately identify and understand these competitive areas in order to effectively direct the marketing and development strategies of educational institutions. Competitive Results in the context of Islamic educational institutions include the achievements and outcomes that are sought to improve their competitiveness. The strategic objectives of competitive outcomes are to achieve competitive advantage, drive growth, and ensure long-term success for the institution..
Environmental Factors in Affecting Student Entrepreneurship Decision
Sujianto, Agus Eko;
Mashudi, Mashudi;
Khansa, Aliya
EKUILIBRIUM : JURNAL ILMIAH BIDANG ILMU EKONOMI Vol 19 No 1 (2024): March
Publisher : Universitas Muhammadiyah Ponorogo
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DOI: 10.24269/ekuilibrium.v19i1.2024.pp59-72
The aim of this research is to examine the influence of environmental factors on students' entrepreneurial decisions in Indonesia. Based on theoretical mapping and previous research, the results showed that the environmental factors in question are the internal and external environment. The research design used is quantitative, with the population consisting of alumni of the Master of Sharia Economics UIN SATU Tulungagung. Based on the distribution of questionnaires to 158 alumni, 123 respondents or 78% were obtained and the remaining 22% did not fill out the questionnaire. By analyzing data using regression, the results showed that there was a significant positive internal and external environment on entrepreneurial decisions. Respondents were motivated to become entrepreneurs because it has been their dream since birth, government policies are pro-entrepreneurship, open access to obtain financing, entrepreneurship has become a culture, and promises independence for an entrepreneur.
Pengaruh Upah Minimum Dan Tingkat Partisipasi Angkatan Kerja Terhadap Tingkat Pengangguran Terbuka Di Jawa Timur Periode 2018-2022
Saukina Ila Salsabila;
Suhaeda Nabila;
Risma Ayu Rianti;
Dhimas Priyoga;
Agus Eko Sujianto
JOURNAL OF ADMINISTRATIVE AND SOCIAL SCIENCE Vol. 5 No. 1 (2024): Januari: Journal of Administrative and Social Science
Publisher : Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar
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DOI: 10.55606/jass.v5i1.885
This research aims to determine the effect of minimum wages and labor force participation on open unemployment in East Java Province 2018-2022. The dense population makes Indonesia face economic problems such as open unemployment. This happens because the number of job seekers is not balanced with the number of jobs available. The level of open unemployment occurs in every region, especially in East Java Province. Based on BPS data for the 2018-2022 period, East Java Province experienced an increase in open unemployment in 2020 with a percentage of 5.84%. The research method used uses a quantitative descriptive model approach with combined data between time series and cross-sections. The analytical method used in this research is the multiple regression test method, panel data model which is processed using SPSS version 26. The data collection technique is taken from secondary data from BPS East Java Province in 38 regions. The research results show that the influence of minimum wage instruments and labor force participation on open unemployment in East Java Province can be seen from the statistical probability values of the t test and f test. The results of the t test showed that the minimum wage instrument (X1) had a significant effect on the open unemployment rate (Y) in East Java Province. Meanwhile, the labor force participation instrument (X2) does not show a significant influence on the open unemployment rate (Y) in East Java Province. Meanwhile, the results of the f test research show that the two instruments (X1 and X2) simultaneously have a significant influence on the open unemployment rate (Y) in East Java Province.
Analysis of Factors Affecting Banking Efficiency Level at Commercial Banks in Indonesia
Af’idah, Nancy Latifatul;
Sholikah, Yuniati;
Choiriyah, Agustina Fatimatul;
Sujianto, Agus Eko
Enrichment: Journal of Multidisciplinary Research and Development Vol. 1 No. 2 (2023): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs
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DOI: 10.55324/enrichment.v1i2.9
One important aspect in the success of an enterprise is the level of efficiency. Efficiency is the relationship between managing the company's inputs and outputs optimally. This study aims to determine what factors affect the level of banking efficiency at commercial banks in Indonesia. The method used is quantitative descriptive where data is taken from data that has been published. The sample in this study was taken from one of the commercial banks in Indonesia, namely Bank Mandiri in 2018-2022. The result of this study is that CAR and LDR together do not have a significant effect on the level of banking efficiency in commercial banks in Indonesia, where CAR is positive and LDR is negative.
Pengaruh Motivasi Kerja Islam dan Lingkungan Kerja Terhadap Kinerja Karyawan dengan Disiplin Kerja sebagai Variabel Intervening pada UD Indo Karya Stone Tulungagung
Moor, Singgi Baharudin;
Sujianto, Agus Eko
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 3 (2022): JIEI : Vol.8, No.3, 2022
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v8i3.6773
In this article, the focus of the research is the employees of Indo Karya Stone Tulungagung, who expects all employees to be able to work optimally to achieve the desired results. As for the purpose; 1) determine the effect of Islamic work motivation on employee performance; 2) determine the effect of the work environment on employee performance; 3) the influence of Islamic work motivation on employee performance through work discipline as an intervening variable; 4) the influence of the work environment on employee performance through work discipline as an intervening variable UD. Indo Karya Stone Tulungagung. This study uses a quantitative approach. The population in this study were UD Indo Karya Stone Tulungagung, with a sample of 30 people. The sampling technique used is purposive sampling. Data collection techniques using online questionnaires via google form. The analysis tool uses SPSS 25.00. The results of the study show that: (1) Islamic work motivation has a significant direct effect on employee performance; (2) the work environment directly does not have a significant effect on employee performance; (3) Islamic work motivation indirectly has a significant effect on employee performance through work discipline (4) the work environment does not indirectly have a significant effect on employee performance through UD work discipline. Indo Karya Stone Tulungagung. The limitation of this research is that it only examines the effect of work motivation, work environment, and work discipline, while other variables that affect employee performance are expected to be investigated by further researchers.
Arisan Online Buku Edukasi Anak dalam Perspektif Ekonomi Syariah
Sukmawardaya, Alfirsyah;
Azizurrahman;
Tjahjadi, Tony;
Sujianto, Agus Eko
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor
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DOI: 10.47467/alkharaj.v6i6.1510
This study examines the phenomenon of online exchange meetings for children's counseling books from the perspective of Sharia economics. This study uses a qualitative approach to problem study to investigate the application of Sharia economics in the context of social gatherings, member motivations, and impacts. Information was collected and analyzed inductively through in-depth interviews, participant observation, and document analysis. The research results show that this online social gathering successfully implemented the economic principles of Sharia, especially in the aspects of profit sharing and transparency. Our members' participation is motivated by providing valuable instruction to children in line with Islamic values. Online collections of children's novels have a positive impact on children's literacy and society, becoming a comprehensive economic model that combines social, economic and educational aspects.
Minat dan Pengetahuan Generasi Z Serta Milenial dalam Berinvestasi di Pasar Modal Syariah: Analisis Bibliometrik
Dewangga Wibiantoro, Awang;
Slamet Budi Hariyanto;
Eko Sujianto, Agus
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor
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DOI: 10.47467/alkharaj.v6i6.1511
The country of Indonesia, with a predominantly Muslim society, provides a platform for its people to make investments which are of course in accordance with basic sharia principles, namely in the sharia capital market. However, it’s known that not many young people have sufficient literacy or knowledge about the world of investment, especially sharia investment. Many articles have been published discussing the topic of sharia investment. Because of that, this research was conducted with the aim of identifying the existence of published articles discussing sharia investment in 2019 - 2023. The method applied is the bibliometric method, with a sample of 31 articles from journals indexed by Sinta. The objects used in this research are the younger generation such as generation z and millennials. The results obtained that sharia investment is one of the trending topics discussed in 2022. And starting from 2019 - 2022, this topic will experience an increase in publications in sharia economic journals. This topic is mostly published in journals indexed by Sinta 4 or Sinta 5 with 12 articles each. Most of these articles state that knowledge actually has a direct and significant effect on interest in investing in the Islamic capital market
Studi Literatur: Peranan Perkembangan Fintech pada Kekuatan dan Peluang di Bank Syariah Berdasarkan Perspektif Ekonomi Islam
Agung Budiman;
Irvan Widi Santoso;
Agus Eko Sujianto
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor
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DOI: 10.47467/alkharaj.v6i6.1527
In today's increasingly advanced era, all human needs cannot be separated from technology. The development of technology in the financial sector, known as Financial Technology (Fintech), has made all entities, especially banking, including Islamic banks, use the role of fintech as an opportunity and strength in developing their business. The development and use of sharia banking technology has become a matter of debate because it is feared that it will not be in accordance with sharia economic views in its operations. The aim of this research is to find out the strengths and opportunities of the development of Financial Technology for Islamic banks based on an Islamic economic perspective. By using a qualitative approach in the form of literature study. Data collection in this research was by observation, reading and concluding existing data collected from various sources, journals, websites, articles. The results of this research show that the role of fintech development in the strengths and opportunities in Islamic banks has a positive impact regarding the strengths and opportunities that make Islamic banks able to compete with conventional banks in attracting customer attention. Apart from that, sharia banking continues to use Islamic teachings as a reference in carrying out all operational flows in sharia banking so that this does not deviate from the provisions of Islamic economics. There are several points in the main sources of Islamic law which make the existence of fintech in sharia banking permitted as long as it does not contain elements of elements that are forbidden in Islam.