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All Journal Curve Elasticity: Jurnal Pendidikan Ekonomi JURNAL RUMPUN MANAJEMEN DAN EKONOMI JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI
Kharisma Tri Buana Dewi
Unknown Affiliation
Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Mathematics Social Sciences

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SKEMA PEMBIAYAAN DALAM PERBANKAN SYARIAH Riska Febrian; Aprilia Rahmasari; Kharisma Tri Buana Dewi; Renny Oktafia
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 1 (2024): Maret
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i1.1140

Abstract

Sharia banking is a body that oversees public finances in the form of savings and returns to the community in the form of financing. Banking is a solution to problems to achieve community economic prosperity. The aim of this research is to explain the basic concepts of financing in sharia banking using library research. The final results obtained show that financing carried out by banks is carried out using financing feasibility analysis for customers before providing financing using a funding analysis approach, application of funding analysis principles, application of funding analysis procedures and policies in funding decisions.
Inovasi Produk Pembiayaan Mikro dalam Pengembangan Usaha Kecil Menengah Berbasis Syariah Kharisma Tri Buana Dewi; Fauzatul Laily Nisa
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 1 No. 2 (2024): Juli
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v1i2.90

Abstract

Small and Medium Enterprises (SMEs) play an important role in the Indonesian economy. However, access to financing is still a major obstacle to the growth of SMEs. Islamic financial institutions have great potential to support SME financing through innovative products that comply with sharia principles. This study aims to analyze the innovation of Islamic microfinance products in the development of SMEs. The research method used is a qualitative approach with literature studies and in-depth interviews. The results show that product innovations such as mudharabah, musyarakah, murabahah, and qardh financing play a significant role in meeting the financing needs of SMEs. The research also identified challenges and opportunities for the development of Islamic microfinance products for SMEs in the future.
Pengaruh Sukuk Sebagai Instrumen Dalam Kebijakan Fiskal Dan Kebijakan Moneter Di Indonesia Kharisma Tri Buana Dewi; Fauzatul Laily Nisa
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 1 No. 2 (2024): Juli
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v1i2.109

Abstract

State governments provide Islamic financial instruments known as state sukuk to finance development and infrastructure projects. SBSN are state securities issued in accordance with sharia principles. SBSN shows the amount of assets in rupiah and foreign exchange. This study was conducted using a literature and qualitative approach. Overall, sukuk is an important fiscal instrument for the government in terms of financing, diversification, liquidity management, infrastructure development, debt restructuring, and Islamic financial market growth. Sukuk issuance finances the state budget and government projects, especially those related to infrastructure development.
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.
Co-Authors Aprilia Rahmasari Fauzatul Laily Nisa Renny Oktafia Riska Febrian