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All Journal Journal of Economic, Bussines and Accounting (COSTING) JURNAL LENTERA BISNIS Jurnal Ilmiah Edunomika (JIE) Management Studies and Entrepreneurship Journal (MSEJ) Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Scientia Journal of Management and Bussines (JOMB) JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Sanskara Ekonomi dan Kewirausahaan Jurnal Multidisiplin West Science The Eastasouth Management and Business Journal of Economics, Entrepreneurship, Management Business and Accounting West Science Business and Management West Science Journal Economic and Entrepreneurship Jurnal Bisnis dan Manajemen West Science Jurnal Ekonomi dan Kewirausahaan West Science West Science Interdisciplinary Studies West Science Accounting and Finance Jurnal REKOMEN (Riset Ekonomi Manajemen) West Science Social and Humanities Studies Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah West Science Islamic Studies Journal of Ekonomics, Finance, and Management Studies Sciences du Nord Economics and Business Fundamental and Applied Management Journal Pinisi Journal of Entrepreneurship Review
Eva Yuniarti Utami
Universitas Sebelas Maret
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences

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Microfinance Innovation For Strengthening Rural Economies And Its Implications On Community Welfare I Nengah Suarmanayasa; Rizal Perlambang CNAWP2; Hajar Mukaromah; Siti Aisyah; Eva Yuniarti Utami
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 4 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i4.8074

Abstract

This qualitative study examines the role of microfinance innovations in strengthening rural economies and improving community welfare. Despite the critical importance of microfinance in promoting financial inclusion, traditional models often struggle to meet the unique needs of rural populations. Through in-depth interviews and focus group discussions conducted in three rural villages, this research explores how innovative financial products-such as digital lending platforms, flexible savings schemes, and group-based lending models-enhance access to financial services for underserved rural residents. The findings indicate that these innovations facilitate entrepreneurial activities, diversify income sources, and improve household welfare by enabling better access to education, healthcare, and nutrition. Additionally, the study highlights the social benefits of microfinance innovations, including strengthened community cohesion and mutual support networks. However, challenges such as limited digital literacy and infrastructural constraints remain significant barriers to fully realizing the potential of these innovations. The study underscores the necessity of context-specific financial solutions and complementary capacity-building initiatives to optimize the impact of microfinance in rural areas. Policy implications emphasize the need for integrated approaches involving microfinance institutions, local governments, and communities to scale sustainable and inclusive financial innovations. This research contributes to the broader discourse on rural development by demonstrating that innovative microfinance models can serve as effective tools for poverty alleviation and socio-economic empowerment in rural contexts.
STRATEGI PEMASARAN PRODUK HALAL DALAM MEMASUKI PASAR GLOBAL Imron Natsir; Kherayani Nur; Titik Purwati; Seno Lamsir; Eva Yuniarti Utami
JURNAL LENTERA BISNIS Vol. 14 No. 2 (2025): JURNAL LENTERA BISNIS, MEI 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v14i2.1584

Abstract

The purpose of this study is to determine the marketing strategy of halal products in entering the global market. This research approach collects data through literature studies, which involve reading literature from various sources including books, reports, articles, and journals using qualitative and deductive approaches. The findings in this study are that there are several stages in entering the global market, including no foreign marketing, infrequent foreign marketing, regular foreign marketing, and global marketing operations. In addition, there are also steps in entering the global market, namely market segmentation, global marketing research process, and strategy selection. There are several marketing strategies for halal products in entering the global market, namely product strategy, pricing strategy, distribution strategy, promotion strategy, responsive and adaptive global branding strategy, compliance strategy with international regulations, and international collaboration and partnership strategy.
Analisis Penerapan Digital Marketing sebagai Strategi Pemasaran UMKM Eva Yuniarti Utami; Kartika Sari; Eva Desembrianita; Basnendar Herry Prilosadoso; Rudy Irwansyah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 2 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i2.7140

Abstract

Marketing strategy for MSMEs (Micro, Small, and Medium Enterprises) is a plan designed to promote and sell products or services offered by MSMEs. This study aims to analyze the application of digital marketing as a marketing strategy for MSMEs. This research method uses qualitative techniques, which can be applied in journals that consider the application of digital marketing as a marketing strategy for Micro, Small, and Medium Enterprises (MSMEs) can include a case study approach. The data used in this study are interview data, as well as internal documents such as sales reports and operational changes, which can provide a deep understanding of the real impact of digital marketing on MSME operations and competitiveness. The results of the study found that digital marketing strategies for MSMEs (Micro, Small, and Medium Enterprises) are very important for increasing visibility, expanding reach, and attracting new customers. By implementing this digital marketing strategy, MSMEs can more easily develop their business, reach a wider audience, and increase sales effectively. The key is consistency and a deep understanding of the target market you want to reach.
Peran Mediasi Orientasi Pasar Global Pada Pengaruh Human Capital Readiness Terhadap Kinerja Bisnis UMKM Eva Yuniarti Utami; Ramadhani Kirana Putra; Jemadi; Yusniar; Afni Yeni
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i4.7638

Abstract

This study aims to examine the mediating role of global market orientation on the influence of human capital readiness on the performance of MSME businesses. The number of samples in this study was 64 MSME units. The method used in determining the sample in this study was the saturated sampling technique (census). The data collection method used in this study was interviews and surveys conducted by distributing questionnaires. This study uses a structural equation model SEM (Structural Equation Model) based on PLS (Partial Least Square). The results of this study indicate that human capital readiness has a positive and significant effect on business performance. Human capital readiness has a positive and significant effect on global market orientation. Global market orientation has a positive and significant effect on business performance. Global market orientation is able to mediate the effect of human capital readiness on business performance.
Studi Kelayakan Investasi Pengembangan UMKM di Sektor Kuliner Akhmad Mubadilah; Ika Hartika; Sri Juminawati; Eva Yuniarti Utami; Dewi Mariam Widiniarsih
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i1.6428

Abstract

             The purpose of this study is to analyze the feasibility study of investment in developing MSMEs in the culinary sector. The objects of this study are from the aspect of business feasibility studies, namely: 1) Marketing aspects; 2) Legal aspects; and 3) Social and economic aspects. The study of business feasibility analysis in culinary MSME businesses uses qualitative research methods which are carried out in analyzing and assessing the feasibility of developing a business. Qualitative data obtained based on the results of interviews and observations. The results of this study found that the development of culinary MSMEs has great potential, especially with the right marketing approach, a deep understanding of market potential, and a mature investment feasibility analysis. In conducting a feasibility study, it is important to consider marketing aspects, market potential, and realistic financial analysis so that culinary businesses can develop and compete sustainably. The feasibility study of investment in the development of MSMEs in the culinary sector provides a clearer picture of business prospects, the risks involved, and the potential profits that can be obtained.
Pengaruh Strategi Branding Terhadap Minat Beli dengan Preferensi Merek Sebagai Moderasi Adang Sutisna; Ajeng Andriani Hapsari; Rudy Haryanto; Muhammad Aqshel Revinzky; Eva Yuniarti Utami
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 2 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i2.7125

Abstract

The business and trade world continues to experience growth and development. One of the industrial sectors that continues to experience development, especially in Indonesia, is the fashion industry, which is an industry that is growing and continuing to increase. In order to maintain the sustainability of its business, companies are faced with the creation of a strategy that is able to face competitive competition. This study aims to determine the effect of branding strategy on purchasing interest with brand preference as a moderation. The sampling technique in quantitative research is carried out randomly, data collection using research instruments, statistical data analysis with the aim of testing the established hypothesis. The results of this study found that branding strategy has an effect on purchasing interest. And brand preference as a moderating variable is able to moderate branding strategy on purchasing interest
Literasi Digital sebagai Moderasi Pengaruh Digital Marketing dan Lifestyle terhadap Keputusan Pembelian pada Marketplace Online Rosalia Irawaty; Ana Fitriyatul Bilgies; Abdul Latif; Muhammad Aqshel Revinzky; Eva Yuniarti Utami
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 2 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i2.7126

Abstract

Technological developments are currently experiencing very rapid progress, including in the fields of economics and marketing. The internet is an information mechanism that provides advice or facilities to obtain important data that is needed. Advances in the field of information and communication innovation, the world feels like there are no more boundaries, distance, and time. This study aims to determine digital literacy as a moderation of the influence of digital marketing and lifestyle on purchasing decisions in online marketplaces. The current analysis uses a quantitative approach. The population of this study are consumers who have shopped online. Samples were taken from this population, and the selection of this research sample was determined by random sampling to produce a sample of 150 respondents. Based on the results of the analysis, the results of this study found that digital marketing and lifestyle influence purchasing decisions in online marketplaces. Digital literacy is able to moderate digital marketing and lifestyle on purchasing decisions in online marketplaces.
Zakat Distribution sebagai Moderasi Pengaruh Gross Domestic Product (GDP) Terhadap Tingkat Kemiskinan di Indonesia Yeti Meliany Lubis; Eva Yuniarti Utami; Imron Natsir; Ramli Semmawi; Fahmi Syam
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 2 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i2.7271

Abstract

This study aims to determine the effect of Gross Domestic Product (GDP) on the poverty rate in Indonesia with zakat distribution as a moderating variable. The research method used in this study is quantitative descriptive research with secondary data types that can be accessed through the website of the Central Statistics Agency (BPS) of Indonesia and the page of the PPID Baznas RI Information and Documentation Management Officer. Data analysis was carried out using the Eviews 12 application to determine the effect of Gross Domestic Product on the poverty rate in Indonesia. Then a Moderated Regression Analysis (MRA) test was carried out to determine the moderating effect of zakat distribution on the relationship between Gross Domestic Product and the poverty rate in Indonesia. The results of this study are that Gross Domestic Product does not have a significant effect on the poverty rate in Indonesia. Therefore, the moderation test conducted shows that zakat distribution does not directly moderate the relationship between gross domestic product and poverty rates in Indonesia.
Pengaruh Perputaran Kas, dan Perputaran Piutang terhadap Profitabilitas pada Perusahaan manufaktur Nur Zarliani Uli; Endi Rustendi; Dany Luqyana Idris; Eva Yuniarti Utami; Wiwit Agustina
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 2 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i2.7360

Abstract

This study aims to determine the effect of cash turnover and expense turnover on profitability in manufacturing companies. Secondary data used in this study are financial reports of manufacturing companies listed on the IDX for the period 2020-2023. The independent variables in this study are cash turnover and billing turnover, while the dependent variable is profitability. The analysis method used in this study is panel data regression analysis, determination coefficient test (R2), F test and t test. The results of this study are cash turnover and billing turnover simultaneously have a significant effect on profitability. However, in a partial analysis, it shows that cash turnover partially has a significant effect on profitability. While financial turnover partially does not have a significant effect on profitability.
Analisis Dampak Kebijakan Perdagangan Internasional Terhadap Sektor Ekspor Rosdiana; Heppi Syofya; Novegya Ratih Primandari; Eva Yuniarti Utami; Nuralam
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i3.7488

Abstract

                The purpose of this study is to analyze the impact of international trade policies on the export sector. This research approach collects data through literature studies, which involve reading literature from various sources including books, journals and reports using qualitative and deductive approaches. The findings in this study are In international trade there are several policies that include tariffs, export subsidies, import authorities, local content requirements, government controls, and international trade agreements. In addition, there are impacts of international trade policies on the Indonesian export sector including international market access, protecting local industries, new market access, and quality standards.
Co-Authors -, Diah Pramesti - . Syamsulbahri A Idun Suwarna A Ratna Sari Dewi A. Ary Setyawan Aan Adiazmil Abdul Latif Abdul Rasyid Acep Fatchuroji Adang Sutisna Ade Onny Siagian Afif Syarifudin Yahya Afni Yeni Agung Zulfikri Ahmad Sidiq Dzikri Ahmadun Ahmadun Ainil Mardiah Ajeng Andriani Hapsari Akhmad Mubadilah Alfiana Andi Aris Mattunruang Andi Naila Quin Azisah Aliasyahbana Andika Isma Andri Triyantoro Anggraini Syahputri Anugriaty Indah Asmarany Arief Fahmi Lubis Arief Yanto Rukmana Arif Nurhakim Arizal Hamizar Arjang Arjang Asep Supriadi Asri Ady Bakri Badirun Basir Baren Sipayung Basnendar Herry Prilosadoso Baso Iwang Bekti Utomo Bilgies, Ana Fitriyatul Budi Sulistiyo Nugroho Chairil Afandy Chairil Akhyar CNAWP, Rizal Perlambang Dama Yuninata Dany Luqyana Idris DARMAN Darmawan Listya Cahya Degdo Suprayitno Deni Iskandar Deri Apriadi Dewi Mariam Widiniarsih Deysyelin Y.T.J. Wongkar Dhety Chusumastuti Diawati, Prety Dominica Maria Ratna Tungga Dewa Dyah Ayu Suryaningrum Eka Hendrayani Eka Immamah Ekbal Santoso Eko Budi Lestari Eliagus Telaumbanua Elly Yuniar Nitawati Endi Rustendi Erasma Eri Mardiani Erwina Kartika Devi Eva Andriani Eva Desembrianita Fahmi Syam Fajriani Azis Farida Arinie Soelistianto Fatma Sarie Fenny Fenny Ferry Arfiansyah Finny Redjeki Frans Sudirjo H. M. Anwar Hajar Mukaromah Halek Mu'min Halek Mu'min Halomoan Hutajulu Haribowo, Rio Harjoni Harjoni Hartin Kurniawati Hayu Lusianawati Hendi Budiman Heppi Syofya, Heppi Heri Setiawan Heri Susanto Herry Ramadhani Hommy Dorthy Ellyany Sinaga I Nengah Suarmanayasa I Wayan Adi Pratama Ika Hartika Ikhyanuddin Ikhyanuddin, Ikhyanuddin Ikram Yakin Ilma Wulansari Hasdiansa Imam Hanafi Imron Natsir Indah Wati Indra Wijaya Indriana Indriana Irwan Moridu Irwan Suryadi Iwan Harsono Jacsy Tubalawony Jamaluddin Majid Jamaluddin Majid Jasman Jata, I Wayan Jemadi Johanes P Kumagaya Joni Hendra Jumui Kartika Sari Kiki Farida Ferine KRT. Akhir Lusono Kushariyadi Kushariyadi Kushariyadi Kushariyadi Kushariyadi Laili Savitri Noor Landebawo, Akib Latifah Latifah Listiana Sri Mulatsih Lita Limpo Loso Judijanto Lukman Hakim Luthfi Nuraini M.M, Besse Faradiba Mahmudin, Tono Maiza Fikri Marwan Effendi Masri Ramadhan Mega Ilhamiwati Mislan Sihite, Mislan Moh Fresal Sugeha Moh Gifari Sono Moh Gifari Sono Moh Rohim Suharyadi Mohammad Gifari Sono Muhamad Ammar Muhtadi Muhamad Risal Tawil Muhammad Aga Sekamdo Muhammad Amsal Nasution Muhammad Aqshel Revinzky Muhammad Hakim Azizi Muhammad Lucky P Muhlis Muhlis Muhlis Mulyadi Musran Munizu Muthi’atul Khasanah Najdah Thalib Nanang Qosim Nova Erliyana Novela Deva Puasa Sucifa Fitriansyah Nunur Nuraeni Nunut Asniar Nur Aisyah Qadri Saiful Nur Zarliani Uli Nur, Kherayani Nuralam Nurdjanah Hamid Nurlaila Syarfiah Asfo Nurlina Aris Paulus Laratmase Ramadhani Kirana Putra Ramiati Ramiati Ramli Semmawi Ratih Primandari, Novegya Rawi Rawi Rawi Rena Augia Putrie Rendi Randika Reza Fahlevi Lubis Reza Nurul Ichsan Rianti Setyawasih Rieneke Ryke Kalalo Rina Destiana Rival Pahrijal Riztrya Novedliani Rohmawan Adi Pratama Roosganda Elizabeth Roosganda Elizabeth Rosalia Irawaty Rosdiana rosdiana Rosita Mei Damayanti RR Roosita Cindrakasih Rudi Kurniawan Rudy Haryanto Rudy Irwansyah Sabil Sabil Said Hamzali Saida Said Salamatun Asakdiyah Samalua Waoma Sari, Efti Novita Sarwo Eddy Wibowo Seno Lamsir Silvester Adi Surya Herjuna Sisca Cletus Lamatokan Siti Aisyah Siti Annisa Wahdiniawati Siti Komariah Hildayanti Soemarno Hidayatullah. S Soni Suharmono Sri Juminawati Sudarmanto, Eko Sulistyo Budi Utomo Sunarto Suparman Supriandi Supriandi Suriadi Suryati Suryati Suyanto Suyanto Syahidin Syahidin Syamsu Rijal Taufiqurokhman Taufiqurokhman Teddy Oswari Tera Lesmana Tera Lesmana Tia Nurapriyanti Tienni Mariana Simanjorang Titi Yuniarti Titik Purwati Tri Neliana Tsaalis Bachtiar Tuti Sulastri Usman Tahir Utami, Desy Cahyaning Wanda Laksniyunita Wendy Wendy Weni Indah Doktri Agus Tapaningsih Widalicin Januarty Widyatmoko Widyatmoko Wiwit Agustina Yenik Pujowati Yeti Meliany Lubis Yoseb Boari Yulia Ningsih Yulistiyono, Agus Yusniar Yusuf Ronny Edward Zakaria Zakaria Zulkifli Zulkifli Zunan Setiawan