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Optimalisasi Potensi Pertumbuhan Ekonomi Masyarakat Lokal melalui Rekonstruksi Pariwisata Syariah Pulau Santen Banyuwangi Jawa Timur Siti Masrohatin; Rini Puji Astuti
Journal on Education Vol 5 No 4 (2023): Journal on Education: Volume 5 Nomor 4 Mei-Agustus 2023
Publisher : Departement of Mathematics Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v5i4.2379

Abstract

Optimizing the utilization of local potential is one of the next steps in community self-help that utilizes local potential and resources. This potential includes all existing potential such as natural resources, human resources, social resources. one form of optimizing the utilization of local potential in empowering the community's economy is through the utilization of the potential of human resources. Shariah Beach is a new concept of halal tourism and has become a promotional event for Banyuwangi Regency. The formulation of the problem that will be put forward is: How is the reconstruction of tourism on Santen Banyuwangi Island, which used to be free, now has a sharia concept? How does the district government or tourism manager involve the local community, either directly or indirectly, who contribute to the local community on Santen Banyuwangi Island?.This type of research includes the type of qualitative research, descriptive research methods. Data analysis techniques: data collection, data reduction, data presentation and conclusion. Research results 1)Reconstruction of tourism which used to have a free concept that seemed dirty, dirty and had negative ideals has now turned into a sharia beach so that it has the benefit of increasing income and empowering youth so that no one is unemployed after being recruited to become members of the Pokdarwis on Santen Island 2) District government or administrator tourism involves the local community both directly and indirectly which contributes to empowering the local community on Banyuwangi Santen Island, the management of Santen Island with residents is still not optimal. While contributions in the economic sector increase people's income, in the education sector increase teaching and learning activities, in the socio-cultural field it favors the culture of local people who use Javanese and Madurese.
Manajemen Bank Sentral Dan Aplikasinya Di Indonesia Az Zahra Nuril Firdaus; Rini Puji Astuti; Tika Puji Susanti; Risa Astutik; Siti Nadila Nur Oktavia
Jurnal Ekonomi dan Bisnis Digital Vol. 1 No. 4 (2024): April - Juni
Publisher : CV. ITTC INDONESIA

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Abstract

The Central Bank has a vital and strategic role for society and economic development. The most basic thing is the role of the central bank in printing and circulating money. With this role, the central bank has the goal and responsibility to achieve and maintain the stability of the value of the currency in circulation and to support the achievement of this goal, the central bank needs to have central bank independence. Independence is an important factor in achieving the central bank's ultimate goal, namely achieving stability in the value of money. The research method used is a qualitative method with data collection, namely observation. The issues that will be discussed in this article are related to Central Bank Management in managing a country's economy and its relationship with the economy in Indonesia. The parameters used to measure the quality of independence of central bank management can refer to: first, the authority and relationship of the central bank with the government, second, the importance of independence, accountability and transparency of the central bank and third, the organization of Indonesian banks. The conclusion that can be drawn is to reorganize the management and independence of Bank Indonesia because the Indonesian banking institution is an institution that plays an important role in the monetary sector.
Perkembangan Sistem Pembayaran Digital : Pada Era Revolusi Industri 4.0 Di Indonesia Alfi Rizka Maulidah; Rini Puji Astuti; Khaerun Nisa; Wisnu Erlangga; Endah Hambarwati
Jurnal Ekonomi dan Bisnis Digital Vol. 1 No. 4 (2024): April - Juni
Publisher : CV. ITTC INDONESIA

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Abstract

Perkembangan sistem pembayaran digital telah mengubah cara kita bertransaksi ekonomi secara mendasar. Sistem-sistem seperti e-money atau uang elektronik menawarkan alternatif yang lebih efisien dan praktis dibandingkan dengan uang tunai konvensional. Metode penelitian ini menggunakan kualitatif dengan pendekatan literatur review, yang mengumpulkan referensi dari junal buku, dan penelitian terdahulu untuk melengkapi artikel ini. Hasil dari penelitian ini menunjukkan bahwa sistem pembayaran digital di era Revolusi Industri 4.0 yang tidak dapat kita hindari yang dahulu hanya menggunakan barter ke penggunaan uang, sampai dengan alat pembayaran yang berkembang pesat dari tunai ke nontunai seperti cek, bilyet giro, transfer elektronik, kartu ATM, dan prabayar. Perkembangan pesat dalam sistem pembayaran digital menjadi bukti nyata akan adaptasi dan inovasi dalam menjawab tantangan zaman.
ANALISIS PERAN LEMBAGA KEUANGAN NON-BANK SYARIAH DALAM PENGUATAN EKONOMI ISLAM DI INDONESIA AHMAD AGUNG FAUZAN; DIAN MITHA PERMATASARI; RAFI WILDAN AR-RAZAN; RINI PUJI ASTUTI
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 10, No 2 (2025): Juli - Desember 2025
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/jebi.v10i2.1941

Abstract

AbstractAn in-depth analysis of Islamic insurance, lending, and pawning plays a vital role in the development of the Islamic economy. Islamic insurance offers protection against risks in accordance with Sharia principles, providing a sense of security for the public in the face of uncertainty. Meanwhile, lending and pawning are effective solutions for increasing financial access, especially for individuals and small businesses. These three elements complement each other in forming a fair and transparent financial system. However, challenges such as a lack of public understanding and inadequate regulations need to be addressed to maximize the sector's potential. This study aims to explore various aspects of these three components and provide strategic recommendations for the development of Islamic finance. Thus, it is hoped that this sector's contribution to supporting economic stability and community empowerment will be strengthened.Keywords: Islamic Insurance, Lending, Pawning, Islamic Economics, Financial Stability. 
Peran Sales Dalam Meningkatkan Loyalitas Pelanggan Pada PT Mitra Maju Mapan Cabang Bondowoso Moch. Ubaydillah Ramadani; Rini Puji Astuti
Jurnal Ilmiah Multidisiplin Nusantara (JIMNU) Vol. 4 No. 2 (2026): JIMNU - JULI
Publisher : PT. Padang Tekno Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/jimnu.v4i2.675

Abstract

Persaingan yang semakin kompetitif dalam industri distribusi bahan bangunan menuntut perusahaan tidak hanya menjaga kelancaran distribusi, tetapi juga membangun hubungan jangka panjang guna meningkatkan loyalitas pelanggan. Penelitian ini bertujuan untuk menganalisis peran sales dalam meningkatkan loyalitas pelanggan serta mengidentifikasi faktor-faktor yang memengaruhi peran tersebut pada PT Mitra Maju Mapan Cabang Bondowoso. Penelitian menggunakan pendekatan kualitatif dengan jenis penelitian deskriptif. Data dikumpulkan melalui wawancara mendalam, observasi, dan dokumentasi dengan teknik penentuan informan secara purposive yang melibatkan Branch Sales Manager, tenaga sales, dan pelanggan tetap. Analisis data dilakukan melalui kondensasi data, penyajian data, serta penarikan kesimpulan dan verifikasi, dengan validitas data dijaga melalui triangulasi sumber dan teknik. Hasil penelitian menunjukkan bahwa sales berperan strategis dalam membangun loyalitas pelanggan melalui komunikasi adaptif, pelayanan responsif, komitmen, serta keterlibatan dalam membantu kebutuhan pelanggan. Loyalitas tercermin pada pembelian ulang, rekomendasi, dan keberlanjutan kerja sama. Faktor utama yang mempengaruhi efektivitas peran sales meliputi kualitas pelayanan, citra perusahaan, kepercayaan, dan kepuasan pelanggan. Penelitian ini mengimplikasikan pentingnya penguatan kompetensi interpersonal sales dan konsistensi pelayanan sebagai strategi mempertahankan loyalitas pelanggan secara berkelanjutan. Increasingly competitive competition in the building materials distribution industry requires companies not only to maintain smooth distribution, but also to build long-term relationships to increase customer loyalty. This research aims to analyze the role of sales in increasing customer loyalty and identify factors that influence this role at PT Mitra Maju Mapan Bondowoso Branch. The research uses a qualitative approach with descriptive research type. Data was collected through in-depth interviews, observation and documentation using purposive informant selection techniques involving Branch Sales Managers, sales personnel and regular customers. Data analysis is carried out through data condensation, data presentation, as well as drawing conclusions and verification, with data validity maintained through triangulation of sources and techniques. The research results show that sales plays a strategic role in building customer loyalty through adaptive communication, responsive service, commitment, and involvement in helping customer needs. Loyalty is reflected in repeat purchases, recommendations and continued cooperation. The main factors that influence the effectiveness of the sales role include service quality, company image, trust and customer satisfaction. This research implies the importance of strengthening interpersonal sales competence and service consistency as a strategy to maintain customer loyalty on an ongoing basis.
Analisis Sistem Informasi Akuntansi Berbasis Syariah Pada Penjualan UMKM Pabrik Tahu Di Desa Tegalgusi Kabupaten Jember Juwita Indah Permata; Rini Puji Astuti
Jurnal Ilmiah Multidisiplin Nusantara (JIMNU) Vol. 4 No. 2 (2026): JIMNU - JULI
Publisher : PT. Padang Tekno Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/jimnu.v4i2.697

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran penting dalam perekonomian sehingga memerlukan pengelolaan keuangan yang akuntabel melalui Sistem Informasi Akuntansi (SIA). Penelitian ini bertujuan menganalisis penerapan Sistem Informasi Akuntansi berbasis syariah pada penjualan UMKM Pabrik Tahu di Desa Tegalgusi Kabupaten Jember serta mengidentifikasi potensi dan kendala penerapan prinsip akuntansi syariah dalam mendukung akuntabilitas usaha. Penelitian menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa sistem pencatatan transaksi masih dilakukan secara manual melalui pencatatan pemasukan dan pengeluaran dalam buku harian. Penerapan tersebut telah mencerminkan nilai amanah, kejujuran, transparansi, dan prinsip maqashid syariah, khususnya hifz al-mal (perlindungan harta). Potensi penerapan prinsip syariah terlihat dari adanya pencatatan transaksi yang dapat ditelusuri sehingga mendukung akuntabilitas usaha. Namun, masih terdapat kendala berupa belum tersusunnya laporan keuangan formal, keterbatasan pemahaman akuntansi, serta belum adanya pemisahan keuangan usaha dan pribadi. Penelitian ini memberikan kontribusi dalam pengembangan Sistem Informasi Akuntansi berbasis syariah pada UMKM sektor pangan. Micro, Small, and Medium Enterprises (MSMEs) play an important role in the national economy and require accountable financial management through an Accounting Information System (AIS). This study aims to analyze the implementation of a Sharia-based Accounting Information System in the sales activities of a tofu manufacturing MSME in Tegalgusi Village, Jember Regency, and to identify the potential and challenges of applying Sharia accounting principles in supporting business accountability. This study employed a descriptive qualitative approach with data collected through interviews, observations, and documentation. The findings indicate that the accounting information system is still implemented manually through the recording of cash inflows and outflows in a daily bookkeeping system. Despite its simplicity, the system reflects the values of trustworthiness, honesty, transparency, and the maqashid sharia principle, particularly hifz al-mal (protection of wealth). The potential of applying Sharia principles is evident in the existence of traceable transaction records that support business accountability. However, several challenges remain, including the absence of formal financial statements, limited accounting knowledge, and the lack of separation between business and personal finances. This study contributes to the development of Sharia-based Accounting Information Systems for MSMEs in the food industry sector.
Independensi, Akuntabilitas, Dan Transparansi: Kunci Efektivitas Fungsi Dan Tugas Bank Sentral Eva Fa’izatul A’yun; Fatimatus Soleha; Rini Puji Astuti
Jurnal Ekonomi dan Bisnis Digital Vol. 2 No. 4 (2025): April - Juni
Publisher : CV. ITTC INDONESIA

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Abstract

Bank The central bank is a key institution in maintaining the economic stability of a country. This article examines how the three key principles of independence, accountability and transparency are important pillars in improving the effectiveness of the central bank, and transparency are important pillars in improving the effectiveness of the central bank's implementation of the central bank's functions and duties. This research uses descriptive qualitative approach based on literature study to explore the relationship between these three principles and the governance of a credible and professional central bank. credible and professional central bank governance. The analysis shows that independence independence provides room for discretion for the central bank in policy making that is free from political intervention; accountability ensures public responsibility through reporting and oversight; while transparency through reporting and oversight; while transparency supports public understanding and policy predictability. and policy predictability. These three complement each other and form governance framework needed to respond effectively to the challenges of the modern economy effectively.
Efektivitas Kebijakan Moneter Dalam Mengendalikan Inflasi di Indonesia I’in Nur Khotimah; Muhammad Ahsanul Imam; Rini Puji Astuti
Jurnal Ekonomi dan Bisnis Digital Vol. 2 No. 4 (2025): April - Juni
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to analyze the effectiveness of monetary policy in controlling inflation in Indonesia and to identify the factors influencing the success of these policies. The method used is a literature review with a qualitative descriptive approach, examining relevant literature on monetary policy instruments such as benchmark interest rates, open market operations, reserve requirement ratios, and discount rates. The results show that Bank Indonesia’s monetary policy significantly contributes to maintaining price stability through regulating money supply and interest rates. However, structural challenges such as fluctuations in food prices and limited financial access in remote areas hinder the policy’s effectiveness. This study recommends the need for synergy between monetary policy, structural policies, and fiscal policies to maintain sustainable economic stability.
Penerapan SOP Pelayanan Untuk Pemberian Bantuan Satu Keluarga Satu Kolam Kabupaten Jember Aprilia Uzlifatul Jannah; Rini Puji Astuti; Amalia Mujahadah; Lailatul Maghfiroh
Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Vol 1 No 3 (2024): Januari - Maret
Publisher : CV. ITTC INDONESIA

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Abstract

The problem of stunting in Jember Regency is a serious concern for the Government because it is number two in East Java Province. Therefore, through the Jember Regency Fisheries Service, it is trying to reduce the stunting rate by utilizing the one family, one pond program. Based on the procurement information system (syrup) of the Jember Fisheries Service, the program costs Rp. 1.062 billion which comes from the 2023 Regional Revenue and Expenditure Budget (APDB). According to data obtained from 2022 data, there are 35 families who received assistance from the one family, one pond program. Every year the number of families receiving assistance from the one family, one pool program increases, until by 2023 there will be 150 families receiving assistance from the program.
Peran Bank Sentral Dalam Pengendalian Inflasi Dan Stabilitas Sistem Keuangan Rini Puji Astuti; Anugrah Arif Ivandi; Nita Aprilia
Jurnal Akuntansi Keuangan Dan Perpajakan | E-ISSN : 3063-8208 Vol. 1 No. 4 (2025): April - Juni
Publisher : GLOBAL SCIENTS PUBLISHER

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Abstract

This research aims to analyze the role of the central bank in controlling inflation and maintaining the stability of the financial system in Indonesia. Controlled inflation and a stable financial system are two crucial aspects that support sustainable economic growth. As the monetary authority, the central bank is mandated to maintain price stability and financial system stability through monetary and macroprudential policies. The research employs a literature review method with a descriptive qualitative approach. Data were collected through document analysis, central bank annual reports, and related literature. The analysis was conducted by understanding and observing the policies implemented by the central bank in relation to macroeconomic theories and principles of financial system stability. The findings indicate that Bank Indonesia has successfully controlled inflation through the determination of benchmark interest rates and open market operations. Additionally, the implementation of macroprudential policies, such as supervision of capital adequacy ratios and bank liquidity, has strengthened the stability of the financial system