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All Journal Jurnal Penelitian Ekonomi Manajemen dan Bisnis SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Jurnal Media Akademik (JMA) Varied Knowledge Journal Al-Mahkamah: Jurnal Hukum, Politik dan Pemerintahan
Luk Lu’us Syarifah
Universitas Trunojoyo Madura
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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Strategi Untuk Mengendalikan Inflasi Menurut Perspektif Ekonomi Islam Luk Lu’us Syarifah; Husnul Khotimah; Yusnia Yusnia
Jurnal Penelitian Ekonomi Manajemen dan Bisnis Vol. 3 No. 3 (2024): Agustus : Jurnal Penelitian Ekonomi Manajemen dan Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jekombis.v3i3.3965

Abstract

Inflation is an economic issue that is often discussed in Indonesia. Where inflation is an economic phenomenon that involves an increase in goods and services in the world economy. However, in the context of Islamic economics, inflation is not just a difference in prices, but leads to ethical and social differences that violate sharia principles. Indonesia has made various efforts to control inflation, including controlling supply and demand, stabilizing prices of daily necessities, and regulating monetary and fiscal policies. This research aims to find out strategies for controlling inflation according to Islam. This research uses a qualitative approach using systematic literature review (SLR) techniques. to control inflation according to Islamic economics. This fiscal policy includes state spending for the public interest, taxes and loans to stabilize the national economy and public welfare, or is controlled by sharia money, namely by avoiding the use of instruments based on usury, gharar, maisyir and zhulum. Islamic economics as an economic system has its own methods and strategies for controlling inflation which are very different from other economic systems. Islamic economics accepts monetary and fiscal policy as part of efforts to control inflation. However, to achieve standards of socio-economic justice, efforts need to be made to maintain price stability through strategies of moral improvement, equal distribution of income and wealth, and the elimination of usury.
Analisis Aspek Teknik Atau Operasional UMKM Anisa Collection di Klampis Bangkalan dalam Perspektif SKB Syariah Luk Luus Syarifah
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 6 No 2 (2024): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v6i2.195

Abstract

For this reason, micro, small and medium enterprises (MSMEs) have an important role in the running of the Indonesian economy. However, MSME governance in general is not well organized and systematic. A feasibility study is needed to determine whether an idea or concept is viable. The aspect or perspective in question is the technical or operational aspect. suggestions need to be carried out with promotions that attract more investment in decoration. This research is field research (field research) which is descriptive analytical in nature. In this research, data found in the field is presented and analyzed to obtain correct and accurate conclusions. To obtain data in this research, qualitative research methods were used. From the results of the research and discussion above, it can be concluded that the feasibility analysis of Anisa Cilection's business from technical or operational aspects shows that this business is feasible to run. In the technical or operational aspect, the Anisa Collection shows feasibility with a strategic location, well-maintained equipment, and a production process that is in accordance with the business feasibility study. It can be concluded that the Anisa Collection shows feasibility with a strategic location, well-maintained equipment , as well as production processes that are in accordance with business feasibility studies. but more attractive promotions need to be carried out to attract consumers' attention, investment in decoration is needed. Good decoration can improve the image of the business. Thus, it is hoped that this business can continue to develop and maintain its position well.
PENGARUH SUKU BUNGA DAN UANG BEREDAR (M2) TERHADAP INFLASI DI INDONESIA PERIODE 2019-2024 MENGGUNAKAN METODE AUTOREGRESSIVE DISTRIBUTED LAG (ARDL) Luk Lu’us Syarifah; Fatonah; Husnul Khotimah; Yusnia; Achmad Budi Susetyo
Jurnal Media Akademik (JMA) Vol. 3 No. 12 (2025): JURNAL MEDIA AKADEMIK Edisi Desember
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/k9rn5277

Abstract

Penelitian ini bertujuan menganalisis pengaruh suku bunga BI Rate dan jumlah uang beredar (M2) terhadap inflasi di Indonesia pada periode 2019-2024 menggunakan metode Autoregressive Distributed Lag (ARDL). Uji stasioneritas menunjukkan bahwa seluruh variabel, yaitu inflasi, BI Rate, dan M2, stasioner pada diferensiasi pertama (I(1)) dengan p-value sebesar 0,0000; 0,0042; dan 0,0001 secara berurutan. Uji Johansen tidak menunjukkan adanya kointegrasi, namun melalui ARDL Bounds Testing ditemukan kointegrasi pada taraf 5% dengan nilai F-statistic 3.714840. Model ARDL terbaik berdasarkan AIC adalah ARDL (1,0,0). Hasil Error Correction Model (ECM) menunjukkan nilai Error Correction Term (ECT) negatif dan signifikan, sehingga terdapat mekanisme penyesuaian menuju keseimbangan jangka panjang. Dalam jangka pendek, inflasi periode sebelumnya dan BI Rate berpengaruh signifikan, sedangkan M2 tidak signifikan. Dalam jangka panjang, BI Rate tetap signifikan, sementara M2 tidak berpengaruh. Seluruh pengujian asumsi klasik terpenuhi, model terbukti stabil berdasarkan CUSUM dan CUSUMSQ, dan hasil peramalan menunjukkan RMSE, MAE, MAP, dan Theil yang rendah. Penelitian ini menegaskan pentingnya instrumen suku bunga sebagai alat pengendalian inflasi di Indonesia. Penelitian ini mendukung peningkatan mekanisme transmisi moneter melalui penyesuaian suku bunga dan manajemen M2 untuk mencapai stabilisasi inflasi, dan menyarankan dimasukkannya variabel tambahan dalam penelitian selanjutnya untuk memastikan proses validasi yang lebih menyeluruh.
The Government's Role in Advancing the Economy Through Sharia Bank: Peran Pemerintah dalam Memajukan Perekonomian Melalui Bank Syariah Luk Luus Syarifah; Yusnia; Ana Sofiya; Mashudi
Al-Mahkamah: Jurnal Hukum, Politik dan Pemerintahan Vol 1 No 3 (2024): Desember
Publisher : PT Syamilah Literasi Islami

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Ekonomi suatu negara tidak hanya dipengaruhi oleh sektor industri dan perdagangan, namun juga sangat bergantung pada sektor keuangan. Di Indonesia, sistem keuangan terdiri dari dua pilar utama, yakni perbankan konvensional dan perbankan syariah. Bank syariah, yang beroperasi menurut prinsip-prinsip syariah Islam, memainkan peran yang signifikan dalam mendorong inklusi keuangan serta mendukung pertumbuhan ekonomi yang berkelanjutan. Penelitian ini mengkaji peran pemerintah Indonesia dalam mendukung pertumbuhan ekonomi melalui bank syariah, dengan fokus pada keterkaitan antara kebijakan politik Indonesia dan ekonomi syariah. Seiring dengan meningkatnya kesadaran masyarakat tentang keuangan syariah, bank syariah telah tumbuh secara signifikan di Indonesia. Pemerintah memainkan peran penting dalam mendukung pertumbuhan ini melalui berbagai kebijakan dan regulasi yang sejalan dengan prinsip-prinsip ekonomi syariah. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi literatur. Hasil penelitian menunjukkan bahwa kebijakan pemerintah yang mendukung perkembangan bank syariah memiliki dampak yang signifikan terhadap perekonomian nasional, terutama dalam mendorong inklusi keuangan dan stabilitas ekonomi.
Analisis Mitigasi Risiko Pembiayaan Rahn di BMT NU Jatim Cabang Klampis Bangkalan Luk Lu’us Syarifah; Farid Ardyansyah; Trischa Relanda Putra
Varied Knowledge Journal Vol. 3 No. 4 (2026): Varied Knowledge Journal, May 2026
Publisher : CV. Global Cendekia Inti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71094/vkj.v3i4.258

Abstract

Rahn financing in Islamic microfinance institutions is exposed to various risks that may affect institutional operational stability, including financing risk, operational risk, liquidity risk, and Sharia compliance risk. This study aims to analyze the risk mitigation strategies implemented in rahn financing at BMT NU East Java, Klampis Branch, Bangkalan. The study is motivated by the need for effective risk management to maintain financing quality and minimize the occurrence of non-performing financing. This research employed a qualitative approach using a case study method. Data were collected through interviews, observations, and documentation and analyzed using the Miles and Huberman model, which consists of data reduction, data display, and conclusion drawing. The analysis was further supported by NVivo 12 Pro software to facilitate systematic data coding and categorization. The findings indicate that the primary risks in rahn financing include financing risk (credit risk), operational risk, liquidity risk, and Sharia compliance risk. Risk mitigation efforts are carried out through the implementation of the 5C+1S principles (Character, Capacity, Capital, Collateral, Condition of Economy, and Sharia Compliance), conservative collateral valuation, periodic monitoring, and a persuasive family-oriented approach. Collateral execution is applied as a last resort in resolving non-performing financing. These strategies have proven effective in reducing risks and maintaining institutional stability. The study also reveals that social and family-based approaches constitute a distinctive characteristic of risk mitigation practices in BMTs as Islamic microfinance institutions.
Co-Authors Achmad Budi Susetyo Ana Sofiya Farid Ardyansyah Fatonah HUSNUL KHOTIMAH Mashudi Trischa Relanda Putra Yusnia Yusnia Yusnia Yusnia