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All Journal Jurnal Ekonomi dan Kewirausahaan Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Jurnal Pengabdian Nasional (JPN) Indonesia
Raden Bambang Budhijana
STIE Indonesia Banking School
Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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A BUSINESS FEASIBILITY ANALYSIS OF THE BEBEK GORENG GURIH RESTO THROUGH SHARIA BANK FINANCE: BUSINESS FEASIBILITY ANALYSIS OF THE BEBEK GORENG GURIH RESTO THROUGH SHARIA BANK FINANCE Dikdik Saleh Sadikin; Raden Bambang Budhijana
JURNAL EKONOMI DAN KEWIRAUSAHAAN Vol. 23 No. 1 (2023): Jurnal Ekonomi dan Kewirausahaan : Maret
Publisher : Universitas Slamet Riyadi

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Abstract

Industri restoran dan/rumah makan hingga saat ini masih diyakini sebagai salah satu bentuk usaha ekonomi yang memiliki prospek cukup bagus, bahkan dalam kondisi krisis sekalipun. Bank syariah adalah lembaga keuangan yang usaha pokoknya memberikan pembiayaan kepada pihak nasabah yang membutuhkan dana seperti pengusaha warung rumah makan franchise resto bebek goreng gurih agar mampu mendirikan usahanya. Penelitian ini menggunakan Bank Syariah dan usaha rumah makan resto bebek goreng gurih sebagai satu unit objek penelitian. Penelitian ini merupakan penelitian kualitatif dan kuantitatif dengan pendekatan deskriptif. Hasil penelitian menunjukkan bahwa proses persetujuan proposal pembiayaan Bank Syariah meliputi: Prosedur dalam mendapatkan pembiayaaan yaitu penawaran pembiayaan, permohonan pembiayaan, perjanjian pembukaan rekening nasabah, penandatanganan akad, pembukaan rekening nasabah, persetujuan dan pencairan. faktor yang mempengaruhi persetujuan proposal pembiayaan di antaranya adalah perlengkapan dokumen, karakter, kapasitas/kemampuan, modal, jaminan, kondisi ekonomi.Kata kunci: Net Present Value, Internal Rate of Return, Profitability Index.
Pemberdayaan UMKM Melalui Sinergi Praktik Ramah Lingkungan dan Pemasaran Digital pada Usaha Warung Makan Mbokcentil Santi Rimadias; Dikdik S. Sadikin; Raden Bambang Budhijana; Ferenisyah Ardianto; Muhammad Fikri Azmi
Jurnal Pengabdian Nasional (JPN) Indonesia Vol. 5 No. 1 (2024): Januari
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM) STMIK Indonesia Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jpni.v5i1.623

Abstract

In an effort to improve the performance and competitiveness of Micro, Small and Medium Enterprises (MSMEs), the synergy of environmentally friendly practices with digital marketing is an important focus. The community service carried out highlights Warung Makan Mbokcentil, an MSME that is not yet accustomed to environmentally friendly practices and is less than optimal in digital marketing strategies. Through community service initiatives, efforts are being made to promote environmentally conscious practices, recommending the implementation of packaging made from cassava leaves—commonly known as cassava bags, as a more environmentally friendly way of doing business at Warung Makan Mbokcentil. At the same time, community service activities strengthen digital marketing efforts by introducing barcode scanning for complaint services. This innovation facilitates fast and efficient customer feedback, thereby driving continuous improvement in the quality of Warung Makan Mbokcentil's services. In addition, strategic use of social media across related platforms is used to expand market reach and strengthen customer engagement. This community service activity uses interview, observation and mentoring methods. The results of the service underline the positive impact of the synergy of environmentally friendly practices and digital marketing at Warung Makan Mbokcentil. This collaborative approach makes a significant contribution to increasing operational efficiency, enhancing brand image and supporting environmental sustainability. Additionally, it has proven to play an important role in expanding market share through increasing presence on social media platforms.
Factors Affecting the Use of Islamic E-Wallets in Indonesia: A Technological Perspective Dikdik Saleh Sadikin; Raden Bambang Budhijana
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 11 No. 3 (2025): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jemp.v11i3.825

Abstract

The study aimed to examine the causal relationship among those variables, entitled the factors influence on e-wallet Islamic platform in Indonesia. The object of the study was customers of e-wallet digital payment with the target respondents who were in the territory of Indonesia. The data collection method in this study used an online survey or questionnaire with the SmartPLS 3.0 application tool.  Analysis of the effects on the e-Wallet Digital Finance uses a Structural Equation Model (SEM) with Partial Least Square (PLS) approach. PLS is a components or variants-based structural equation model. PLS is a powerful method analysis because it is not based on assumptions, so the data does not have to follow standard distribution, and the sample size also doesn’t have to be large. The research results can be illustrated that Islamic e-wallets can be optimized through the Customer-Based Corporate Reputation Dimension; Perceived Risk; Perceived Value, and the Customer Product Adoption Proneness. From the Islamic e-wallet research result shows that Perceived Risk has no effect on Perceived Value and Perceived Risk becomes lower when the Customer-Based Corporate Reputation Dimension is well improved. These results can be advantaged for Islamic e-wallet to be introduced and recommended to wider society as the save e-wallet with lower risk.
Co-Authors Dikdik S. Sadikin Dikdik Saleh Sadikin Dikdik Saleh Sadikin Ferenisyah Ardianto Muhammad Fikri Azmi Santi Rimadias