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All Journal Jurnal Ekonomika dan Bisnis Islam Perbanas Journal of Islamic Economics and Business
Rosadi, Danang
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Religion Economics, Econometrics & Finance

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PENGARUH PENERAPAN ETIKA BISNIS SYARIAH TERHADAP KEBERLANJUTAN USAHA : STUDI PADA UMKM DI SURABAYA Pratiwi, Della Rista; Rosadi, Danang; Nadira, Danish Izza; Syahirah, Davelinda
Jurnal Ekonomika dan Bisnis Islam Vol 6 No 3 (2023): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v6n3.p258-272

Abstract

Business ethics includes establishing moral principles and behavior that business professionals are expected to adhere to. Business ethics plays an important role in creating a fair and transparent business environment for small and medium enterprises (SMEs), which in turn increases customer trust in the products and services offered. This research aims to analyze the concepts and principles of sharia business ethics, identify sharia business practices in SMEs, and measure the impact of implementing sharia business ethics on business sustainability in Surabaya. The method used is a mixed method which combines quantitative and qualitative approaches. The population in this research is SMEs in the city of Surabaya that meet the criteria for running a business according to sharia business ethics, with a sample of 100 sharia SMEs and interviews with 5 sharia SMEs in Surabaya. The research results show that the application of sharia business ethics contributes positively to business sustainability in SMEs in Surabaya, with increased customer trust and more harmonious business relationships. In addition, it was found that SMEs that adopt sharia principles tend to have a better reputation in the eyes of customers. However, this research also found limitations in terms of resources and knowledge regarding sharia business ethics, which could be an obstacle in implementing these principles. The implication of this research is that training and education related to sharia business ethics needs to be improved, especially for newly established SMEs.
Efektivitas Penggunaan Layanan Fitur Syariah Aplikasi Pospay Pada Pengguna Di Surabaya Rosadi, Danang; Indrarini, Rachma
Perbanas Journal of Islamic Economics and Business Vol 5 No 2 (2025): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v5i2.349

Abstract

This study aims to analyze the effectiveness of the use of sharia feature services in the Pospayapplication by users in Surabaya. The sharia feature on Pospay is an innovation of PT Pos Indonesia(Persero) in providing sharia services. The research method used is qualitative based with aphenomenological approach. Data collection techniques were conducted through interviews andobservations of active users of sharia features in Surabaya, application informatics technicians, andrepresentatives of the Surabaya Post Office. Data analysis used the Miles and Huberman model withthe stages of open coding, axial coding, and selective coding. The results showed that the shariafeatures in Pospay are considered effective in supporting users' sharia needs activities. Users feelhelped because services can be accessed easily, safely, and in accordance with sharia principles.However, there are some weaknesses such as the lack of socialization, limited sharia institutionpartners, technical constraints when the network is unstable. These findings provide a real picture ofthe dynamics of the use of application-based sharia services, especially in the context of digitalplatforms owned by non-bank SOEs which are still rarely studied. Solutions that can be done areincreased promotion, expansion of cooperation with Islamic financial institutions, strengthening thetechnical side of the application. This research is expected to contribute to the development of Islamicfintech in Indonesia.
Co-Authors Nadira, Danish Izza Pratiwi, Della Rista Rachma Indrarini Syahirah, Davelinda