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All Journal Forum Ekonomi : Jurnal Ekonomi, Manajemen dan Akuntansi SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Iqtishodia: Jurnal Ekonomi Syariah Management Studies and Entrepreneurship Journal (MSEJ) Abdimasku : Jurnal Pengabdian Masyarakat Soeropati: Journal of Community Service BEMAS: Jurnal Bermasyarakat Islamic Business and Finance (IBF) Jurnal Ekonomi, Bisnis dan Manajemen Curve Elasticity: Jurnal Pendidikan Ekonomi Economics and Business Journal JURNAL EKONOMI BISNIS DAN MANAJEMEN Jurnal Ekonomi Bisnis dan Manajemen International Journal of Economics, Business and Innovation Research Jurnal Hukum dan Ekonomi Syariah Prawara Jurnal Pengabdian Masyarakat Economics and Business Management Journal Journal of Shariah Economics
Renny Oktafia
Ekonomi Pembangunan, Fakultas Ekonomi Dan Bisnis, Universitas Pembangunan Nasional “Veteran” Jawa Timur, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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PERAN DAN KONSEKUENSI KEBIJAKAN MONETER DALAM EKONOMI SYARIAH Riska Noviana; Ertanti Ardian; David Verdyansyah; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.678

Abstract

Monetary policy is one of the crucial instruments in regulating the economy of a country. In conventional economics, monetary policy is implemented through mechanisms such as interest rates and open market operations. However, in Sharia-compliant economies, which are based on the prohibition of riba (interest), monetary policy must be executed using instruments that adhere to Sharia principles. This study adopts a literature review methodology, thus focusing on bibliographic materials by seeking relevant literature. The theoretical data utilized in this research is obtained from library literature and analyzed based on various references in this paper. By understanding the role and consequences of monetary policy in Sharia economics, it is hoped that new insights can be provided for the development and implementation of monetary policies that align with Sharia principles.
ANALISIS RASIO BIAYA DANA DALAM KINERJA KEUANGAN BANK : PENDEKATAN STUDI KASUS INDUSTRI PERBANKAN DI INDONESIA Agustian Mahendra Putera; Rio Ferdinand Simarmata; Pramesti Pramudita Ektiyas Anggraeni; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.680

Abstract

The cost of funds ratio is a matrix used to carry out analysis in financial reports to evaluate banking financial performance by connecting various factors that influence the cost of funds ratio. Financial ratio analysis is part of business analysis that assesses a company's prospects and risks. Cost of funds ratio analysis describes the relationship between the amount of money and the company's burden in managing these finances to increase profitability. Cost of funds ratio analysis method. Research was conducted to identify information related to cost of funds ratio analysis in banking. The research results show the significant impact of financial ratio analysis on the financial performance of banking companies in Indonesia. Suggestions include increasing LDR, reducing NPL, controlling operational costs, and improving customer service. It is also recommended that the banking industry be able to reduce the cost of funds ratio regularly to improve its financial performance.
ANALISIS RASIO RENTABILITAS PT. BANK MAYBANK TBK PERIODE 2019-2023 Evi Fortuna Sukiran Putri; Sephia Zalyanti; Fitri Wulandari; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.684

Abstract

Abstract. Analysis of financial reports in banking aims to evaluate current and past financial positions. One of the analyses of financial reports at banks is profitability ratio analysis, and the aim of this research is to investigate the calculation, development, and analysis of profitability at PT. Bank Maybank Tbk during the 2019–2023 period. The research method used is a descriptive method with a quantitative approach. Data collection techniques involve field studies and literature studies. The data obtained is then analyzed by calculating the development of profitability.The research results show that PT. Bank Maybank Tbk has an average ROA value of 1.3% (>1.2%), an ROE value of 5.88% (between 5% and 12%), and NIM value of 4.32% (>2%), so it can be said that PT. Bank Maybank Tbk is in good condition, which means PT. Bank Maybank Tbk can generate profits by utilizing its own capital efficiently. Keywords: profitability ratio analysis, Bank Maybank Abstrak. Analisis laporan keuangan pada perbankan bertujuan untuk mengevaluasi posisi keuangan pada saat ini dan masa lalu. Salah satu analisis laporan keuangan pada bank adalah analisis rasio rentabilitas yang dan tujuan dari penelitian ini adalah untuk menyelidiki perhitungan, perkembangan, dan analisis Rentabilitas pada PT. Bank Maybank Tbk selama periode 2019-2023. Metode penelitian yang digunakan adalah metode deskriptif dengan pendekatan kuantitatif. Teknik pengumpulan data melibatkan studi lapangan dan studi kepustakaan. Data yang diperoleh kemudian dianalisis dengan menghitung perkembangan Rentabilitas. Hasil penelitian menunjukkan PT. Bank Maybank Tbk memiliki nilai rata rata ROA sebesar 1,3% (>1,2%), nilai ROE 5,88% (diantara 5% - 12%), nilai NIM 4,32% (>2%) maka dapat dikatakan keuangan PT. Bank Maybank Tbk dalam keadaan baik, yang berarti PT. Bank Maybank Tbk dapat menghasilkan keuntungan dengan memanfaatkan modal sendiri secara efisien. Kata Kunci : Analisis rasio rentabilitas, Bank Maybank
PERAN LEMBAGA KEUANGAN SYARIAH DAN DAYA TARIK MASYARAKAT TERKHUSUS PADA SEKTOR UMKM Aulia Daisy Arsy Syafitri; Devina Lutfa Dianti; Nadila Salsavira; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.686

Abstract

The Islamic Financial Sector (IFS) is a rapidly growing sector in the Islamic economy. IFS operates on Islamic law, so it must always adhere to Islam. IFS plays a crucial role in implementing Islamic principles aimed at helping society achieve prosperity, honesty, and fairness through a profit-sharing system. One of the key players in the Islamic financial sector is Islamic banking, which has a low credit risk, resulting in a sufficient margin for MSMEs. MSMEs, also known as Usaha Mikro Kecil dan Menengah (UMKM), are a type of productive business owned by individuals or corporations and regulated by Law No. 28 of 2008. UMKM has a significant role in Indonesia's economy. This potential is what motivates Islamic banks to facilitate the provision of loans to MSMEs. As time passes, Islamic banks have become capable of supporting MSMEs, which in turn attract MSMEs to conduct transactions at Islamic banks.
Konsep Dasar Pembiayaan Dalam Perbankan Syariah Juliani Wulandari; Bunga Aura Putri Sulistyono; David Maulana Verdiansyah; Wisanggeni Wahyu Lintang B.S; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.687

Abstract

Financing can be interpreted as funding provided by one party to another party. Its function is to support investments that will or have been planned by the institution. Financing can also be interpreted as trust or trust. It means that the financing institution as sahib al-mal puts trust in someone to carry out the mandate given. All such costs must be used properly, fairly, and must be accompanied by clear terms and are responsible for all parties. Every Islamic financial institution has a philosophy of seeking the pleasure of Allah SWT. to acquire the virtues of the world and the hereafter. Therefore, any activities of financial institutions that are considered deviant from religious demands should be avoided. In the implementation of financing, Islamic banks must meet two most important aspects. First, the Shar'i aspect where in every realization of financing to customers must remain guided by Islamic Shari'a. Second, the economic aspect which still considers the profit generation for Islamic banks and for customers.
PEMAHAMAN KONSEPTUAL DAN IMPLIKASI RIBA DARI PERSPEKTIF EKONOMI SYARIAH Syaila Salsabila; Cyntya Dwi Permata; Muhammad Farhan Mochtar; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.688

Abstract

Conceptual understanding of riba and its influence in Islamic economics is an important subject in the context of Islamic finance. This research highlights the conceptual understanding of riba and its implications from the perspective of Islamic economics. Through a literature review approach, this article explores various views and arguments related to riba in Islam and Islamic economics. The analysis in this article underscores the need for a deep understanding of riba in the context of Islamic economics. Through this approach, policies can be formulated to promote principles of justice, equality, and sustainability in the Islamic financial system. Practical implications include profit-sharing systems such as mudharabah and musyarakah being used to replace riba practices, ensuring fairness and equality among parties involved in transactions. Additionally, a deeper understanding of Sharia economics and strict supervision of riba practices in the financial sector are crucial to assist individuals and institutions in managing finances in accordance with Islamic law. In conclusion, the conceptual understanding of riba and its influence from the perspective of Islamic economics is an important aspect in building a financial system that aligns with Islamic principles. By understanding the implications of riba, society can take more sustainable and equitable steps in developing Sharia-based economies.
The Concept of Fiscal Policy: an Islamic Economic Perspective Renny Oktafia; Ririt Iriani; Reinanda Aprilia Putri Rochimin
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 2 (2023): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v5i2.573

Abstract

This article explores the concept of fiscal policy from an Islamic economic perspective. Fiscal policy is a vital tool used by governments worldwide to manage the economy and achieve desired macroeconomic objectives. In the context of Islamic economics, fiscal policy is shaped by principles derived from Islamic teachings and ethical guidelines. The paper begins by providing a comprehensive overview of the core principles of Islamic economics, highlighting its emphasis on justice, equity, and the prohibition of interest (riba). In an Islamic economic perspective, fiscal policy aims to promote social welfare, reduce income inequality, and ensure the fair distribution of wealth. The paper examines how Islamic fiscal policy instruments, such as zakat (obligatory alms), waqf (endowment), and sadaqah (voluntary charity), are employed to achieve these goals and contribute to sustainable economic growth. In conclusion, this paper offers a comprehensive exploration of fiscal policy from an Islamic economic perspective, shedding light on the fundamental principles that guide fiscal decision-making within an ethical framework. It emphasizes the importance of incorporating Islamic economic values in crafting fiscal policies that promote social justice, equitable distribution of resources, and sustainable economic development. The findings of this study have implications for policymakers, economists, and practitioners interested in incorporating ethical and value-based dimensions into the design and implementation of fiscal policies in both Muslim-majority countries and the global economic community.
PENGARUH PENDAPATAN ASLI DAERAH (PAD), DANA ALOKASI UMUM (DAU), DANA ALOKASI KHUSUS (DAK), DAN DANA BAGI HASIL (DBH) TERHADAP BELANJA DAERAH DI KABUPATEN JOMBANG PERIODE 2005–2024 Kharisma Tri Buana Dewi; Renny Oktafia
Curve Elasticity: Jurnal Pendidikan Ekonomi Vol 7 No 1 (2026): Curve Elasticity: Jurnal Pendidikan Ekonomi
Publisher : Universitas Nias Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57094/jpe.v7i1.4090

Abstract

This study analyzes the influence of Local Own-Source Revenue (PAD), General Allocation Fund (DAU), Special Allocation Fund (DAK), and Revenue Sharing Fund (DBH) on the Regional Expenditure of Jombang Regency during 2005–2024 within the context of fiscal decentralization. The urgency of this research arises from the region's high dependence on central government transfers and the need to enhance regional fiscal capacity independently. The data used are secondary time series data obtained from the Ministry of Finance and regional government financial documents. The analysis was conducted using multiple linear regression after passing classical assumption tests to ensure model validity. The results indicate that PAD has a positive but insignificant effect on Regional Expenditure, suggesting that its contribution to expenditure capacity remains limited. DAU has a positive and significant effect, confirming the dominance of central government transfers on regional spending. DAK also has a positive but insignificant effect, consistent with its predetermined usage. DBH has a positive and significant effect, providing additional fiscal space for the local government. Simultaneously, all four variables significantly influence Regional Expenditure, illustrating that Jombang Regency’s fiscal structure is shaped by a combination of own-source revenue and transfer funds. These findings also reinforce the flypaper effect phenomenon, where regional expenditure is more influenced by transfer funds than PAD. This study is expected to provide insights for local governments to enhance fiscal independence and optimize budget management.
Analysis of The Effect International Prices, Exchange Rates, Non-Tarif Measures, and Import Volume On The Export Value Of Indonesian Cloves (Hs:0907) To India Krisna Adi Jonathan; Renny Oktafia
Economics and Business Journal (ECBIS) Vol. 4 No. 3 (2026): March
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i3.304

Abstract

This study aims to analyze the influence of international prices, the rupiah–rupee exchange rate, non-tariff measures, and India’s import volume on the export value of Indonesian cloves to India. The research utilizes secondary data for the period 2015–2024. The analytical method employed is the Autoregressive Distributed Lag (ARDL) model to examine both short-run and long-run relationships, complemented by stationarity tests, cointegration tests, ECM estimation, and diagnostic and stability tests. The results show that international prices have a positive and significant effect on Indonesia’s clove export value, consistent with export-supply theory which states that higher global prices increase export incentives. The rupiah–rupee exchange rate displays a positive but insignificant relationship, indicating that exchange rate volatility is not sufficiently strong to influence changes in export value. Non-tariff measures, including SPS and TBT standards, are found to have a significant effect, reflecting the role of regulations in increasing compliance costs while simultaneously enhancing Indian consumer confidence in the quality of Indonesian cloves. India’s import volume also has a significant influence, showing that India’s domestic demand remains a major driver of Indonesia’s export value during the study period. This study is expected to provide insights for policymakers and industry players in strengthening trade strategies, particularly in enhancing the competitiveness of Indonesian clove exports through quality improvements, exchange rate stability, and compliance with non-tariff standards.
Co-Authors Aditya Irsyad Hibatullah Adrian Fadel Ceasario Agustian Mahendra Putera Agustina Putri Amelya Romawati Anggita Farah Adiba Asyifa Ridha Septiana Aulia Daisy Arsy Syafitri Bunga Aura Putri Sulistyono Cyntya Dwi Permata David Maulana Verdiansyah David Verdyansyah Devina Lutfa Dianti Dewi Nuril Afifah Ertanti Ardian Evi Fortuna Sukiran Putri Fauzatul Laily Nisa Fitri Wulandari fransiska ajustina Galuh Retno Puspito Ina Urifah Irma Berliana Chandra Dewi Jalaluddin I.R Juliani Wulandari Kamilah Khumairoh Kharisma Tri Buana Dewi Khoriya Prananda Figa Ningrum Krisna Adi Jonathan Laila Krisna Arti Lailatul Hasanah M.Arief Safi’i Mentari Clara Dewanti Mirza Hisyam Maulana Mochamad Rizal Anwar Mohammad Irvan Setiawan Mrs. Rashika fauzi Muhammad Farhan Mochtar Nadila Salsavira Nanda Novitasari Nethania Christy Nikmatul Khoiriyah Norrencia Prasitha Lisyanti Nura Yulianti Pramesti Pramudita Ektiyas Anggraeni Putri Kurnia Sari Ratna Ayu Wijayanti Reinanda Aprilia Putri Rochimin Reinanda Aprilia Putri Rochimin Riki Zogik Firmansyah Rio Ferdinand Simarmata Rio Ferdinand Simarmata Ririt Iriani Riska Noviana Riza Nuraini Sakinah Mulia Diny Salsabila Nuri. W Sephia Zalyanti Syaila Salsabila Varach Cahya Quennara Vena Tri Pramita Wisanggeni Wahyu Lintang B.S