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All Journal INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Jurnal Ekonomi Bisnis dan Akuntansi Jurnal Riset Rumpun Ilmu Ekonomi (JURRIE)
Sari, Widya Ratna
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Humanities Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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HYBRID CONTRACT MODEL (HCM) DALAM PERSPEKTIF ETIKA BISNIS ISLAM Sari, Widya Ratna; Yuliani
Jurnal Ekonomi Bisnis dan Akuntansi Vol. 3 No. 2 (2023): Agustus : Jurnal Ekonomi Bisnis dan Akuntansi (JEBAKU)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jebaku.v3i2.1658

Abstract

The purpose of this research is to look at the Hybrid Contract Model (HCM) from the perspective of Islamic business ethics. This study uses a library research approach because the data sources come from various kinds of literature such as articles, books, books, and journals or previous research on the Hybrid Contract Model (HCM) from the perspective of Islamic business ethics (LKS). The results of the discussion The original law of a contract and its terms is valid unless it is canceled or prohibited by religion. So, as long as the Hybrid Contract Model (HCM) that is applied meets all the pillars and conditions set by Islamic law, the Hybrid Contract Model (HCM) is by Islamic business ethics which contains the values of oneness, balance, free will, responsibility, and virtue. Conversely, if in practice the Hybrid Contract Model (HCM) does not comply with the pillars, terms, and conditions of Islam, then the Hybrid Contract Model (HCM) is not fully by Islamic business ethics.
PERAN LEMBAGA KEUANGAN MIKRO SYARIAH DALAM MEMBANGUN EKONOMI YANG BERKELANJUTAN DAN INKLUSIF Sari, Widya Ratna; Sulistyowati
Jurnal Ekonomi Bisnis dan Akuntansi Vol. 3 No. 2 (2023): Agustus : Jurnal Ekonomi Bisnis dan Akuntansi (JEBAKU)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jebaku.v3i2.1690

Abstract

The purpose of this study is to look at the role of Islamic Microfinance Institutions in Building a Sustainable and Inclusive Economy. This study uses a library research approach because the data sources come from various literature such as articles, books, and journals from previous studies regarding the role of Islamic Microfinance Institutions in Building a Sustainable and Inclusive Economy. The results of the discussion show: from OJK data (2021) it can be seen that the development of LKMS both in terms of assets, the amount of financing distributed, as well as the public savings that have been collected shows an increasing trend. This means that the existence of LKMS has a significant influence on the pace of sustainable economic development, of course, the realization of inclusive finance. Thus, the role of Islamic microfinance institutions in building a sustainable and inclusive economy in Indonesia proves to be important and relevant. Through an inclusive approach, based on Sharia principles and social and environmental responsibility, Sharia microfinance institutions can become key drivers in achieving sustainable and inclusive economic development goals in Indonesia.
KAJIAN HADITS TENTANG PERJANJIAN DALAM MEWUJUDKAN PERDAMAIAN PADA PEMBIAYAAN IJARAH MULTIJASA DI LEMBAGA KEUANGAN MIKRO SYARIAH: (Studi Pada KSSU Harum Daha Kediri) Sari, Widya Ratna; Putri, Dewi Fatmala; Nabbila, Faricha Lita
Jurnal Ekonomi Bisnis dan Akuntansi Vol. 3 No. 2 (2023): Agustus : Jurnal Ekonomi Bisnis dan Akuntansi (JEBAKU)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jebaku.v3i2.1937

Abstract

In writing this aims to examine the hadith regarding the agreement in realizing peace on Multijasa Ijarah Financing at KSSU Harum Dhaha Kediri. By using a qualitative approach with thematic and interpretive data analysis to gain a comprehensive understanding. The results of the writing show that the Agreement on multiservice ijarah financing at KSSU Harum Dhaha Kediri has an important role in creating peace and justice. With clear, transparent, and fair agreements, the parties involved can carry out their business activities safely and smoothlyIn addition, the agreement refers to the hadith of the Prophet as a source of law governing peace in transactions. The agreement also functions as a risk control instrument and provides a dispute resolution mechanism. Thus, multiservice ijarah financing at KSSU Harum Dhaha Kediri can contribute positively to economic growth based on Sharia values.
SISTEM OPERASIONAL PEMBIAYAAN IJARAH MULTIJASA DI KSSU HARUM DHAHA KEDIRI DITINJAU DARI DSN-MUI Sari, Widya Ratna; Zuraidah
Jurnal Riset Rumpun Ilmu Ekonomi Vol. 2 No. 1 (2023): April : Jurnal Riset Rumpun Ilmu Ekonomi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1602.094 KB) | DOI: 10.55606/jurrie.v2i1.1188

Abstract

Adapun tujuan dari penelitian ini untuk melihat sistem operasional pembiyaan ijarah multijasa di KSSU Harum Dhaha Kediri ditinjau dari DSN-MUI. Penelitian ini berbasis penelitian kualitatif dengan jenis penelitian studi kasus. Metode perolehan data tipe interview open-ended yang terfokus. Sementara analisis data: reduksi data, display data, dan konklusi data. Hasil penelitian menunjukkan system operasional Pembiyaan Ijarah Multijasa yang dijalankan beberapa sudah memenuhi ketentuan syari’ah: ta’awun (tolong menolong), menghindari iktinaz (penimbunan uang) dan pembayaran ZIS. Namun prinsip tijaroh (bisnis) dan pelarangan riba dirasa belum sesuai dengan ketentuan syariah. KSSU Harum Dhaha Kediri meringkas mekanisme yang telah ditetapkan DSN-MUI karena faktor keterbatasan SDM, efisiensi waktu, urgensi anggota, dan memudahkan transaksi anggota. Akhirnya menjadi indikasi praktik yang dilakukan belum sesuai dengan ditinjau dari DSN-MUI. Seharusnya yang diterapkan adalah menggunakan akad ijarah bil wakalah. Jika akad wakalah diterapkan maka anggota sesudah membayarkan biaya pendidikan atau biaya lain. Anggota harus memberikan bukti pembayaran biaya pendidikan ke KSSU Harum Dhaha Kediri.
THE IMPACT OF VILLAGE ONLINE MARKETS ON INCREASING THE INCOME OF SMALL AND MEDIUM ENTERPRISES (MSMES) IN INDONESIA Saka, Dijan Novia; Efendi, Rofik; Sari, Widya Ratna; Subandono, Agus; Ilham Haq, Muhammad Alfasa
International Journal of Cultural and Social Science Vol. 7 No. 2 (2026): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v7i2.1279

Abstract

This study aims to analyze the impact of village online markets on increasing the revenue of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. The development of digital technology has driven changes in consumer shopping behavior, making village online platforms a strategic alternative for MSMEs in expanding market access. The research method used was a quantitative approach, collecting data through questionnaires from MSMEs, and analysis using simple regression/PLS-SEM to test the relationship between the use of village online markets and increased revenue. The results show that village online markets have a positive and significant impact on increasing MSME revenue. The use of digital platforms allows MSMEs to reach a wider range of consumers, reduces marketing costs, and increases the competitiveness of local products. These findings emphasize the importance of strengthening digital literacy and supporting technological infrastructure in villages as key to local economic sustainability.
Co-Authors Ilham Haq, Muhammad Alfasa Nabbila, Faricha Lita Putri, Dewi Fatmala Rofik Efendi Saka, Dijan Novia Subandono, Agus Sulistyowati Sulistyowati Sulistyowati YULIANI Zuraidah