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All Journal International Journal of Economics, Business and Accounting Research (IJEBAR) Al-tsaman : Jurnal Ekonomi dan Keuangan Islam Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah AKM: Aksi Kepada Masyarakat Jurnal Impresi Indonesia JIEPS: Jurnal Ilmiah Ekonomi Islam dan Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh Journal of Islamic Economics Lariba ITQAN: Jurnal Ilmu-ilmu Kependidikan The Es Accounting and Finance IIJSE PEDAMAS (Pengabdian Kepada Masyarakat) FENOMENA: Journal of Social Science The Eastasouth Journal of Social Science and Humanities Mozaic: Islamic Studies Journal Trends in Applied Sciences, Social Sciences, and Education Journal of Islamic Economy
Masrohatin, Siti
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Ketahanan UMKM di Wilayah Rawan Banjir: Analisis Strategi Berbasis PESTEL di Kabupaten Kampar Rahmat, Hayatul Khairul; Akbar, Rahmad; Nurkholis, Nurkholis; Yetti, Dzulhijjah; Akbar, Muhammad Firjatullah Nur; Masrohatin, Siti
Trends in Applied Sciences, Social Science, and Education Vol. 4 No. 1 (2026)
Publisher : PT Hakhara Akademia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71383/tase.v4i1.113

Abstract

This study aims to analyze the resilience of Micro, Small, and Medium Enterprises (MSMEs) in flood-prone areas in Kampar Regency using the PESTEL approach (Political, Economic, Social, Technological, Environmental, Legal). This research employs a qualitative approach with a case study design, utilizing data collection techniques such as in-depth interviews, field observations, and documentation involving MSME actors and relevant stakeholders. Data analysis was conducted thematically and mapped into the PESTEL framework to identify external factors influencing business resilience. The findings reveal that economic and environmental factors are the primary determinants affecting MSME vulnerability, particularly in terms of cash flow disruptions, asset damage, and recurring flood risks. Meanwhile, social and technological factors act as resilience enhancers through community networks and the adoption of digitalization. On the other hand, political and legal factors have not been optimal in supporting MSME resilience due to the lack of integrated policies and low levels of business legality. Based on these findings, this study formulates three main strategies to strengthen MSME resilience: adaptive, protective, and collaborative strategies. Adaptive strategies focus on business flexibility, protective strategies emphasize risk mitigation, and collaborative strategies highlight stakeholder synergy. This study contributes to the development of disaster-based MSME resilience studies and serves as a foundation for formulating disaster-resilient MSME policies at the regional level.
Islamic Value-Based Financial Management System in Sustainable Business Development Misbahussururi, Misbahussururi; Masruroh, Nikmatul; Masrohatin, Siti
The Es Accounting And Finance Vol. 4 No. 02 (2026): The Es Accounting And Finance (ESAF)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esaf.v4i02.912

Abstract

In a business, financial management is crucial for business stability. Financial management must begin with planning and evaluation to ensure business growth. This is especially true if the business is to be sustainable, meaning it should not stop there but continue on to future generations. The objectives of this study are: first, to analyze the financial management system in sustainable business development, and second, to explore Islamic values in financial management in sustainable business development. This study uses a qualitative, descriptive approach. The study took place at the Business Unit managed by the Al Bidayah Islamic Boarding School in Jember, with a purposive technique. Data were collected through interviews, observation, and documentation. Data were analyzed using descriptive analysis utilizing Islamic values. The data collected through interviews, observations, and documents are presented in the data presentation and analyzed descriptively. Data were tested using source triangulation techniques. The results of this study state that, first, the financial management system in sustainable business development uses a transparent and accountable management system. In addition, financial management uses the stages of planning, implementation, reporting, and evaluation. Second; The Islamic values embedded in the financial management of the business run by the Al Bidayah Islamic Boarding School include honesty (transparency), charity (disbursing funds for Ziswaf), discipline, justice, and prudence (amanah). The goal is to create a sustainable business not only for the family but for the entire community.  
Co-Authors Abdul Rokhim Ahmadiono Ahmadiono Aini, Lynda Qurotul Akbar, Muhammad Firjatullah Nur Al-MasduQi, Himayatu Syarafatil Furqon Amalia, Radella Amalia, Rizca Laila Ananda, Hafiz Wahyu Anggitaningsih, Retna Arlian, Ludita Cosa Chotib, Moch. Dzulhijjah Yetti El Mazir, Wildan Elhady, Aminullah Fathiyaturrahmah Fauzan . Hasanah, Hikmatul Hasanah, Siti Nur Hafifatul Hayatul Khairul Rahmat Inayatul Mukarromah Isabella, Al Fitri Ummi Jannah, Firdiyatul Khuluqi, Muhammad Adil Kunzita Lazuardi Masruroh, Nikmatul Maulidi, Ahmad Wasil Maulidiy, Fahmidiya Khilda Misbahussururi, Misbahussururi Mohammad Rizal, Mohammad Mursalim Mursalim Musaidah, Ahlam Ningrum, Uke Cahya Nurkholis Nurkholis Puji, Rini Qoriani, Hersa Farida Rahmad Akbar Saihan, Saihan Salsabila, Rona Salsabilla, Yasmin huronia Setianingrum, Nurul