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All Journal INTECOMS: Journal of Information Technology and Computer Science Iqtishoduna: Jurnal Ekonomi Islam Journal of Vision and Ideas (VISA) JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Jurnal Abdimas Hawari Jurnal Ekonomi, Bisnis dan Manajemen International Journal of Economic, Technology and Social Sciences (Injects) Journal of Management, Economic, and Accounting International Journal of Management, Economic and Accounting
Sanusi Gazali Pane
Universitas Pembangunan Panca Budi
Religion Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Koperasi Sebagai Rantai Pasok Keuangan Dengan Konsep Gadai: Strategi Pemberdayaan Usaha UMKM Sanusi Gazali Pane
Jurnal Ekonomi, Bisnis dan Manajemen Vol. 2 No. 1 (2023): Maret: Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : FEB Universitas Maritim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/ebismen.v2i1.646

Abstract

Koperasi merupakan salah satu model usaha bersama yang dikelola oleh anggota dan untuk kesejahteraan bersama. Koperasi sebagai unit usaha otonom mampu berperan dalam berbagai skala ekonomi, termasuk sebagai rantai pasok keuangan dalam ekosistem usaha kecil dan menengah (UMKM).  Penelitian ini mengkaji berbagai jenis artikel yang terkait dengan koperasi sebagai rantai pasok keuangan  dengan konsep gadai dari berbagai artikel jurnal nasional dan internasional sejak tahun 2018  hingga tahun 2022.  Tujuan utama makalah ini adalah meneliti tren, peluang dan kendala rantai pasok keuangan dengan wujud koperasi berbasis gadai syariah. Dengan menggunakan analisis statistik deskriptif  dari 50 artikel jurnal nasional, 74% atau 34 jurnal sudah mengemukakan peran koperasi sebagai rantai pasok pembiayaan, 16% atau 8 artikel fokus pada peran gadai dalam pembiayaan UMKM. Selebihnya, sebanyak 6% dan 4% menjelaskan peran koperasi, UMKM dalam perekonomian.  Hasil penelitian ini menunjukkan bahwa koperasi sebagai rantai pasok keuangan merupakan strategi pemberdayaan UMKM dan sekaligus sebagai akses keuangan inklusi bagi UMKM dan masyarakat.    
EPISTEMOLOGICAL LITERATURE STUDY OF ISLAMIC FINANCE Bambang Lesmono; Sanusi Gazali Pane; M. Shabri Abd. Majid; Marliyah Marliyah; Rita Handayani
International Journal of Economic, Technology and Social Sciences (Injects) Vol. 2 No. 2 (2021): October 2021
Publisher : CERED Indonesia Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (364.475 KB) | DOI: 10.53695/injects.v2i2.538

Abstract

This study examined research related to Epistemology of finance in national journal articles. The study used descriptive statistical analysis and narrative reviews based on 30 publication articles with the keyword "Principles of Islamic finance" using Harzing's Publish or Perish application. All sample journal articles have been published. The results showed that there was a diversity of discussions related to "Principles of Islamic finance" published. The largest number of publications is in 2021 as many as 17 articles out of 30 samples of published articles. In general, of the 30 article publications using qualitative approach methods in discussing the "Principles of Islamic finance" as many as 23 articles (76.67%) and quantitative approaches as many as 7 articles (23.33%). Then related to the subject of the study, more related to knowledge / interest with the number of 11 articles (36.67%), then followed by a number of 6 articles (20%) and other themes such as performance which only amounted to 2 articles (6.67%), and others as many as 11 articles (36.67%).
Analisis Daya Saing pada Industri Perbankan di Kota Medan: Digitalisasi Perbankan dengan Pendekatan SWOT Teddy Wiranata; Nikson Marpaung; Wiwied Risdianto Putri; Salihah Aula Br Sembiring; Fitri Annisa; Sanusi Gazali Pane
VISA: Journal of Vision and Ideas Vol 3 No 3 (2023): VISA: Journal of Vision and Ideas
Publisher : LPPM IAI Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/visa.v3i3.5713

Abstract

The banking industry in Medan City has experienced significant growth alongside technological advancements and digitalization. This transformation encompasses the utilization of Information and Communication Technology (ICT) to enhance operational efficiency and innovate banking services. While major banks have extensive branch networks and strong reputations, some may face challenges in swiftly adopting new technologies. Significant opportunities lie in expanding digital banking services through investments in mobile applications, cutting-edge technology, and collaborations with local fintech companies. However, competition from digital banks and cybersecurity risks pose noteworthy threats that require attention. SWOT analysis can provide crucial insights for banks in Medan to identify competitive advantages, address weaknesses, and capitalize on strategic opportunities. This research aims to understand the influence of digitalization on the competitiveness of the banking industry in Medan City, identifying strengths, weaknesses, opportunities, and threats, while offering strategic recommendations to sustain and improve positions in this rapidly evolving market. The benefits of this journal include profound comprehension of digitalization's impact, optimized competitive advantages, market adaptation, contributions to local economic growth, regulatory policy guidance, and added value to the community and local economy.
Pengaruh Ekspor Batu Bara dan Kurs Terhadap Pendapatan Devisa Negara Indonesia Irfan Liandy; Sanusi Gazali Pane
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 10 No. 1 (2024): Februari 2024
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v10i1.1948

Abstract

Foreign exchange earnings are very important to maintain economic stability and state development. This study aims to analyze the effect of coal exports and exchange rate changes on Indonesia's foreign exchange earnings due to the urgent need to understand the impact of coal exports and exchange rate changes on foreign exchange earnings. This research will use a quantitative approach using time series data from 2004 to 2022 from the Central Bureau of Statistics (BPS). This study uses multiple linear regression using the Eviews program. The results show that, while coal exports have a significant negative impact on Indonesia's foreign exchange earnings, the exchange rate has an insignificant positive impact on it. The F-test (simultaneous) confirms that both have a significant effect on Indonesia's foreign exchange earnings.
Analisis Sistem Pembayaran Menggunakan Dompet Digital Anisa Tanjung; Chris Tofel Lumban Tobing; Nur Anisa Ar; Sanusi Gazali Pane
INTECOMS: Journal of Information Technology and Computer Science Vol 7 No 1 (2024): INTECOMS: Journal of Information Technology and Computer Science
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/intecoms.v7i1.8911

Abstract

Ekonomi digital Indonesia mengalami perkembangan yang cukup baik, bahkan kini telah memiliki startup dengan kriteria unicorn. Perkembangan ekonomi digital harus mencakup seluruh sektor perekonomian. Tujuan penelitian ini adalah menganalisis sistem pembayaran menggunakan dompet digital dengan menggunakan metode penelitian deskriptif kualitatif dengan metode studi literatur review pada jurnal penelitian yang relevan dengan pembahasan. Dalam pencarian jurnal dengan bantuan internet (Google Scholar) dengan kata kunci Mobile payment, Digital Wallet, QR code. Kesimpulan dari penelitian ini adalah terdapat 5 dompet digital kategori pembayaran mobil di Indonesia. Platform yang paling sering digunakan adalah Gopay dengan proporsi pengguna sebesar 71%. Namun Gopay bersaing ketat dengan OVO yang proporsi penggunanya sudah mencapai 70%. Sementara proporsi pengguna platform dompet digital lain seperti Dana, ShopeePay, dan LinkAja lebih kecil. Kata Kunci : Mobile payment, Dompet Digital, QR code
The Effectiveness of Monetary Policy in Driving Economic Growth Agika Ayla Sari Dewi Bangun; Sanusi Gazali Pane; Teresia Dakhi; Dermawan Syah Putra Nehe; Regina Roswita Zai
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1223

Abstract

This study aims to analyze the effectiveness of monetary policy in stimulating economic growth. Monetary policy, through instruments such as interest rates, money supply, and banking credit, plays a strategic role in influencing real economic activities. The research method employs a conceptual approach and a literature review, examining monetary economic theories and relevant previous research findings from both national and international literature. The analysis is conducted by tracing the transmission mechanisms of monetary policy on economic growth through interest rate channels, investment, consumption, and exchange rate stability. The expected results of this study indicate that monetary policy managed credibly and responsively to macroeconomic conditions is capable of fostering sustainable economic growth. A reduction in interest rates is expected to increase investment and consumption, while the control of the money supply can maintain inflation stability, thereby creating a conducive economic climate for growth. This research is expected to provide a theoretical contribution to enriching the study of monetary economics and serve as a reference for formulating effective monetary policies to support economic growth.
The Impact of Interest Rate Changes on Economic Activities in Indonesia Franata Milala; Sanusi Gazali Pane; Agita Crysti; Enjel Kristian Zai
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1224

Abstract

Changes in interest rates are one way the government manages state finances which greatly influences economic conditions, including in Indonesia. This research wants to see how changes in interest rates affect various aspects of the economy, such as economic growth, investment, public spending, and the inflation rate. To analyze this, researchers used quantitative methods with data from various official sources such as Bank Indonesia, the Central Statistics Agency, and other institutions over a certain period of time. The techniques used include descriptive analysis and regression to see the relationship between interest rates and macroeconomic variables. Research results show that when interest rates rise, it usually reduces the amount of investment and public spending, thereby slowing the rate of economic growth. On the other hand, if interest rates fall, it can encourage economic growth because it increases investment and people's purchasing power, but it can also increase inflation. Therefore, in determining interest rates, the government must be careful and balanced so that the economy remains stable. It is hoped that this research can help in realizing a better and more sustainable monetary policy in Indonesia.
An Analysis Of The Role Of Interest Rates On The Money Supply, Credit, And Their Implications For The Macroeconomy Sindy Meilani; Sanusi Gazali Pane; Dinia Putri Ramadhani; Tasya Melinda Amran
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1227

Abstract

This study aims to analyze the role of interest rates as a monetary policy instrument in influencing the money supply and credit disbursement, as well as its implications for macroeconomic conditions. Conceptually, interest rates function as a monetary policy transmission mechanism that affects public behavior regarding consumption, investment, and savings. Fluctuations in interest rates impact borrowing costs, which subsequently influence credit demand and the volume of money circulating within the economy. The interaction between interest rates, money supply, and credit is believed to play a pivotal role in determining price stability, economic growth, and inflation rates. This research adopts a macroeconomic and monetary theoretical approach to explain the causal relationship between these variables, providing a comprehensive overview of the effectiveness of interest rate policies in maintaining economic stability and growth. The findings are expected to demonstrate that interest rates exert a significant influence on the money supply and credit allocation. A reduction in interest rates is anticipated to stimulate an increase in credit and money supply, thereby having a positive impact on economic activity and output growth. Conversely, an increase in interest rates is expected to curb inflation through the regulation of credit and liquidity. Furthermore, this study is intended to provide a clearer understanding of the role of monetary policy in preserving macroeconomic stability and to serve as a reference for policymakers in formulating inflation control strategies and promoting sustainable economic growth.
How Economic Growth Indicators Can Adapt to Weakening Money Growth Zalwah Ashiffah Lestari; Sanusi Gazali Pane; Dinda Dwi Lestari; Boy Sandi Situmorang
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1228

Abstract

Economic growth is generally measured using conventional indicators such as Gross Domestic Product (GDP). However, when money supply growth weakens, these indicators are considered less able to represent the overall economic condition. This study aims to examine how economic growth indicators can adapt to conditions of weakening money supply growth. This study used a literature review method by analyzing national and international journals published after 2015 and accessed through Google Scholar. The results of the study indicate that weakening money supply growth affects economic growth slowdown and reduces the effectiveness of conventional economic growth indicators. Therefore, the use of alternative indicators and a multidimensional approach that integrates monetary and financial variables is necessary.
Penguatan Kapasitas Wirausaha Ultra Mikro Menuju Usaha yang Tangguh, Produktif, dan Berkelanjutan di Balai Besar Pelatihan Vokasi dan Produktivitas Medan Sanusi Gazali Pane
Jurnal Abdimas HAWARI : Jurnal Pengabdian Kepada Masyarakat Vol 6 No 1 (2026): Mei 2026
Publisher : CV. HAWARI

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

Abstract

Wirausaha ultra mikro memiliki peran yang sangat penting dalam mendorong pertumbuhan ekonomi masyarakat, menciptakan lapangan kerja, serta meningkatkan kesejahteraan keluarga. Namun demikian, pelaku usaha ultra mikro masih menghadapi berbagai kendala, seperti keterbatasan kompetensi manajerial, rendahnya pemanfaatan teknologi digital, akses pemasaran yang terbatas, serta minimnya kemampuan dalam mengelola keuangan usaha. Kondisi tersebut menjadi tantangan dalam mewujudkan usaha yang tangguh, produktif, dan berkelanjutan. Oleh karena itu, kegiatan pengabdian kepada masyarakat ini bertujuan untuk memperkuat kapasitas pelaku wirausaha ultra mikro melalui pelatihan, edukasi, dan pendampingan yang dilaksanakan di Balai Besar Pelatihan Vokasi dan Produktivitas Medan. Metode pelaksanaan pengabdian dilakukan melalui beberapa tahapan, yaitu identifikasi kebutuhan peserta, penyampaian materi secara interaktif, pelatihan berbasis praktik, diskusi, studi kasus, serta pendampingan dalam penyusunan strategi pengembangan usaha. Materi yang diberikan meliputi penguatan jiwa kewirausahaan, peningkatan produktivitas usaha, pengelolaan keuangan sederhana, strategi pemasaran digital, peningkatan kualitas produk, pelayanan pelanggan, serta penyusunan rencana pengembangan usaha yang berorientasi pada keberlanjutan. Evaluasi kegiatan dilakukan melalui observasi, sesi tanya jawab, dan pengukuran tingkat pemahaman peserta sebelum dan sesudah pelatihan. Hasil kegiatan menunjukkan bahwa peserta mengalami peningkatan pengetahuan dan keterampilan dalam mengelola usaha secara lebih efektif, memahami pentingnya inovasi dan produktivitas, serta mulai memanfaatkan teknologi digital sebagai media pemasaran dan pengembangan usaha. Selain itu, peserta memiliki motivasi yang lebih tinggi untuk mengembangkan usahanya secara berkelanjutan melalui penerapan manajemen usaha yang lebih baik. Kegiatan pengabdian ini memberikan kontribusi positif dalam memperkuat kapasitas wirausaha ultra mikro sehingga mampu meningkatkan daya saing, memperluas peluang pasar, serta mendukung pertumbuhan ekonomi lokal yang inklusif dan berkelanjutan.
Co-Authors Adestia Pibiolah Butar Butar Agika Ayla Sari Dewi Bangun Agita Crysti Anisa Tanjung Bambang Lesmono Boy Sandi Situmorang Chris Tofel Lumban Tobing Dermawan Syah Putra Nehe Dinda Dwi Lestari Dinia Putri Ramadhani Enjel Kristian Zai Fitri Annisa Franata Milala Irfan Liandy M. Shabri Abd. Majid Marliyah Nikson Marpaung Nur Anisa Ar Regina Roswita Zai Rita Handayani Salihah Aula Br Sembiring Shifa Indah Lestari Sindy Meilani Suci Ramadhani Sugianto Tasya Melinda Amran Teddy Wiranata Teresia Dakhi Wiwied Risdianto Putri Zalwah Ashiffah Lestari