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All Journal JURNAL MANAJEMEN (EDISI ELEKTRONIK) Journal of Artificial Intelligence and Digital Business
IRINA KARTIKA, IRINA
Fakultas Ekonomi Jurusan Manajemen Universitas Sriwijaya
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering

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The Effect of Halal Product Exports and Gross Domestic Product on Current Account Balance in Indonesia Habsyah, Ade; Kartika, Irina; Panorama, Maya
Jurnal Manajemen (Edisi Elektronik) Vol. 16 No. 2 (2025): Jurnal Manajemen (Edisi Elektronik)
Publisher : UPT Jurnal & Publikasi Ilmiah SPs Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jm-uika.v16i2.19728

Abstract

This study aims to analyze the effect of Halal Product Exports and Gross Domestic Product on Indonesia's Current Account Balance. The research focuses on understanding how the halal industry and macroeconomic growth contribute to the dynamics of external economic stability. Using a quantitative approach, this study employs time series data from 2010 to 2024, analyzed through econometric methods including the Augmented Dickey-Fuller (ADF) test, Granger Causality Test, Cointegration Test, and Autoregressive Distributed Lag (ARDL) model, processed with EViews version 12. The findings reveal that Halal Product Exports have a significant positive effect on the Current Account Balance, whereas Gross Domestic Product shows no significant direct impact. These results suggest that promoting halal product exports could serve as a strategic policy to strengthen Indonesia's external economic position. This study provides insights for policymakers in enhancing export diversification strategies and sustaining economic resilience
The Implementation of Musyarakah Mutanaqisah in Islamic Banks: Strengthening the Role of Islamic Financing in Indonesia Kartika, Irina; Habsyah, Ade; Azwari, Peny Cahaya
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.4489

Abstract

This study examines the application of Musyarakah Mutanaqisah (MMQ) in Indonesian Islamic banking as a more equitable partnership-based financing model that is in line with the principle of risk sharing. Although Indonesia has great potential in the development of Islamic finance, the proportion of MMQ financing is still low. This study uses a qualitative descriptive approach with a literature review of current research and regulations to explore the supporting factors, obstacles, and the role of Islamic literacy in the success of MMQ. The results show that regulatory support and institutional readiness are the main drivers in the implementation of MMQ. On the other hand, contract complexity, inconsistent standards, and low customer literacy are the main obstacles. These findings indicate that to strengthen the role of MMQ, good regulatory synergy, institutional capacity building, process digitalization, and broader Islamic financial education are needed. With these steps, it is hoped that MMQ can become a more inclusive and sustainable financing alternative, providing benefits not only for financial institutions but also for society as a whole. Through the strengthening of Islamic financial literacy, it is hoped that customers will be able to understand and utilize MMQ products to the fullest, thereby driving the growth of the Islamic finance sector in Indonesia.
Co-Authors Habsyah, Ade Maya Panorama, Maya