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All Journal Jurnal Kedokteran dan Kesehatan : Publikasi Ilmiah Fakultas Kedokteran Universitas Sriwijaya Al-Mustashfa Jurnal Tirtayasa Ekonomika (Tirtayasa Economica Journal) Jurnal Ilmiah Ekonomi Islam EKO-REGIONAL JURNAL PENGEMBANGAN EKONOMI WILAYAH Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat Jurnal Loyalitas Sosial: Journal of Community Service in Humanities and Social Sciences Jurnal Mantik Afiasi : Jurnal Kesehatan Masyarakat Value: Jurnal Manajemen dan Akuntansi eCo-Buss Journal of Global Business and Management Review Al-Muqayyad Jurnal Manajemen Oeconomicus Journal of Economics Jurnal EMA (Ekonomi Manajemen Akuntansi) Indonesian Journal of Islamic Business and Economics (IJIBE) AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah J-ISCAN : Journal of Islamic Accounting Research International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Society: Jurnal Pengabdian Masyarakat Yinyang: Jurnal Studi Islam Gender dan Anak Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Islamic Economics Lariba SETARA: Jurnal Studi Gender dan Anak KENDALI: Economics and Social Humanities Journal of Islamic Economics and Finance Velocity: Journal of Sharia Finance and Banking AT-TIJARAH: Journal Islamic Banking and Finance Research Journal of Accounting, Management, Economics, and Business Jurnal Ilmiah Ekonomi dan Manajemen IIJSE Jurnal Keuangan dan Perbankan Syariah JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Journal of Sharia Accounting and Tax (JSAT Journal of Economic Development and Village Building Journal of Islamic economics Perspectives (JIEP) Social & Economic Bulletin International Journal of Business and Quality Research Masile:Jurnal Studi Ilmu Keislaman Journal of Sharia Tourism and Hospitality Cirebon International Journal of Economics and Business Journal on Islamic Economics, Finance, and Banking (Z-CONOMICS) Journal of Islamic Economics and Finance Contemporary Islamic Economic and Business Review Jurnal Pengkajian Penelitian Syariah dan Ilmu Hukum Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah DIMASEJATI:Jurnal Pengabdian Kepada Masyarakat Shariqonomica: Journal of Sharia, Law, and Economics
Syaeful Bakhri
Universitas Islam Negeri Siber Syekh Nurjati Cirebon, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Neuroscience Nursing Public Health Social Sciences Other

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Determinants of Consumption Expenditure Levels among Migrant Students: The Role of Frugal Living, Allowance, and Purchasing Power llstianah, Esa; Bakhri , Syaeful; Busthomi, Achmad Otong
Journal of Accounting, Management, Economics, and Business (ANALYSIS) Vol. 4 No. 1 (2026)
Publisher : Edupedia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56855/analysis.v4i1.1915

Abstract

Purpose – This study aims to analyze the influence of frugal living, allowance, and purchasing power on migrant students' expenditure levels, with consumption patterns as a mediating variable. The study is motivated by the financial constraints commonly experienced by migrant students in managing limited resources to meet daily needs. Methodology – A quantitative research design was employed. The population consisted of migrant students in Cirebon City, with 100 respondents selected using purposive sampling. Data were collected through structured questionnaires. The analysis was conducted using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 4. Findings – The results indicate that frugal living, allowance, and purchasing power significantly affect expenditure levels, both directly and indirectly through consumption patterns (p < 0.05). Consumption patterns have a significant impact on expenditure and act as a mediating variable, strengthening the relationship between frugal living, allowance, purchasing power, and expenditure. These findings suggest that expenditure behavior among migrant students is influenced not only by financial capacity but also by frugal attitudes and priority-based consumption. Novelty – This study offers originality by incorporating frugal living and consumption patterns as key variables in explaining student expenditure, extending previous research that primarily focused on income-related factors. Significance – The findings provide practical insights for migrant students in managing personal finances and serve as a reference for educational institutions and policymakers in designing effective financial literacy and student welfare programs.
PENGARUH INOVASI PRODUK, FLEKSIBILITAS HARGA DAN LOKASI TERHADAP MINAT BELI DI BATIK ASOFA TRUSMI CIREBON Halimatus Sya'diyah; Syaeful Bakhri; Achmad Otong Busthomi
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 3 (2026): Maret
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i3.9170

Abstract

This study is motivated by the increasing competition in the batik industry in Trusmi Cirebon, which requires businesses to enhance consumer purchase intention through product innovation, price flexibility, and strategic location. The objective of this research is to analyze the effect of product innovation, price flexibility, and location on consumer purchase intention at Batik Asofa Trusmi Cirebon, both partially and simultaneously. This study employed a quantitative research method with a survey approach. The sample consisted of 100 consumers of Batik Asofa Trusmi Cirebon. Data were analyzed using multiple linear regression. The results indicate that partially, product innovation and location have a positive and significant effect on purchase intention, while price flexibility has a negative and significant effect on purchase intention. Simultaneously, product innovation, price flexibility, and location significantly influence purchase intention, with a coefficient of determination of 77.3%. In conclusion, enhancing product innovation and selecting a strategic location are key factors in increasing consumer purchase intention.
Transformasi Pola Konsumsi Generasi Z: Peran Pendapatan Orang Tua dan E-Commerce pada Mahasiswa Fakultas Ekonomi dan Bisnis UIN Cirebon Muhammad Akmal Izzudin; Syaeful Bakhri; Achmad Otong Bustomi
Journal of Islamic Economics and Finance Vol. 2 No. 1 (2026): Journal of Islamic Economics and Finance
Publisher : Athallah Publishing Globalindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64845/al-mudayanah.v2i1.332

Abstract

Perubahan pola konsumsi mahasiswa lebih banyak terkait dengan intensitas pemanfaatan platform digital daripada perbedaan tingkat pendapatan orang tua. Penelitian ini bertujuan menguji hubungan antara dukungan ekonomi keluarga dan penggunaan e-commerce dengan perubahan pola konsumsi mahasiswa generasi Z di Fakultas Ekonomi dan Bisnis Islam UIN Siber Syekh Nurjati Cirebon. Penelitian menggunakan metode pendekatan kuantitatif eksplanatori. Data primer diperoleh melalui kuesioner yang disebarkan kepada 139 responden yang dipilih dengan teknik proportional random sampling. Data kemudian dengan analisis regresi linear berganda, uji t, uji F, dan koefisien determinasi. Analisis difokuskan pada pendapatan orang tua sebagai faktor ekonomi keluarga dan penggunaan e-commerce sebagai faktor digital yang diduga memengaruhi kebiasaan konsumsi mahasiswa. Hasil penelitian diharapkan dapat menjadi bahan evaluasi bagi mahasiswa, keluarga, dan institusi pendidikan dalam mendorong perilaku konsumsi yang lebih rasional dan bertanggung jawab.
PENGARUH PENGETAHUAN DAN PROMOSI TERHADAP MINAT MENABUNG DI BANK SYARIAH PADA SANTRI PONDOK PESANTREN AR-RIDWAN Syaeful Bakhri
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARIAH DAN ILMU HUKUM) Vol. 6 No. 2 (2021): Desember 2021
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v6i2.8886

Abstract

Kehadiran perbankan syariah memperkuat peran dalam pembangunan perekonomian Indonesia dan menjaga stabilitas keuangan Nasional, maka diperlukan manajemen yang baik dalam upaya pengembangan perbankan syariah demi membangun bank syariah yang kuat dan sehat. Santri pondok pesantren sebagai salah satu komponen masyarakat yang merupakan pangsa pasar yang layak untuk diperhatikan dalam hal peningkatan jumlah nasabah bank syariah. Penelitian ini bertujuan untuk mengetahui pengaruh pengetahuan dan promosi terhadap minat menabung santri pndok pesantren Ar-Ridwan di bank syariah dengan metode penelitian menggunakan pendekatan kuantitatif. Jumlah sampel didapat sebanyak 113 responden dan data dikumpulkan dengan cara wawancara, kuesioner, dokumentasi dan dianalisis melalui pengujian statistic. Hasil penelitian menunjukan bahwa pengetahuan berpengaruh signifikan terhadap minat menabung santri di bank syariah, promosi berpengaruh signifikan terhadap minat menabung santri di bank syariah, artinya secara bersama-sama pengetahuan dan promosi berpengaruh signifikan terhadap minat menabung santri di bank syariah. 
DINAMIKA KEMISKINAN DI INDONESIA : ANALISIS PEMBIAYAAN SYARIAH, PENDIDIKAN, DAN KETIMPANGAN (2015-2025) Enjang Ryan Firmansyah; Mohammad Hamdan Nurhadi; Umamah Mumtazah Askhiyah; Syaeful Bakhri; Abdul Aziz
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 3 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i3.19651

Abstract

This study aims to examine the effect of Islamic financing, education, and inequality on poverty in Indonesia. This research employs a quantitative approach using secondary panel data. The data were obtained from the Central Statistics Agency and the Financial Services Authority. The observation period covers 2015–2025 and includes 33 provinces in Indonesia. The data analysis method used is descriptive quantitative analysis, assisted by EViews 12 software. The model applied in this study is the Random Effects Model (REM). The results indicate that Islamic financing has a negative and significant effect on poverty, education has a negative and significant effect on poverty, and inequality has a positive and significant effect on poverty.
Improving Human Development Through Food Security And Economic Growth In Indonesia Aji Priambodo; Syaeful Bakhri
Cirebon International Journal of Economics and Business Vol. 4 No. 1 (2026): April 2026 on progress
Publisher : Faculty of Islamic Economics and Business IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cijeb.v4i1.213

Abstract

As a comprehensive measure of welfare, Indonesia's Human Development Index (HDI) serves as a critical metric guiding targeted policies, with improving household food security and fueling inclusive economic growth representing key avenues to drive sustained gains across health, education, income and poverty reduction. This study examines the vital role of improved food security and inclusive economic growth as strategic drivers that can significantly raise Indonesia's human development outcomes across multiple wellbeing dimensions encapsulated in HDI. This study analyzes the impact of food security and economic growth, on HDI in 34 province in Indonesia. Using panel data regression on national and provincial level data from 2019-2022, result show that food security and economic growth have positive and significant impact in HDI in each province in Indonesia. Improvement in food security and higher economic growth rates correlate with better HDI achievement. These findings indicate that efforts to strengthen food security and accelerate inclusive economic expansion can serve as important pathways for advancing quality of life across Indonesia.
THE EFFECT OF INVESTMENT, CONSUMPTION, AND GOVERNMENT SPENDING ON POVERTY THROUGH ECONOMIC GROWTH Siti Aisah; Dita Rosyalita; Danil Surasa; Abdul Aziz; Syaeful Bakhri
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 5 (2026): APRIL
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20094049

Abstract

This study aims to analyze the influence of consumption, investment, government spending, and poverty on economic growth during the 2014 Q1–2024 Q4 period. The study uses a quantitative approach with secondary data in the form of time series obtained from official sources. The collected data were tested using multiple linear regression, and supported by descriptive statistical tests, stationarity tests, correlation tests, and autocorrelation tests. The results show that consumption, investment, and government spending have a positive but insignificant influence on economic growth. Conversely, poverty has a negative but significant influence on economic growth. Simultaneously, all independent variables do not have a significant effect on economic growth. The relatively low coefficient of determination value indicates that there are still other factors outside the model that influence economic growth. This finding emphasizes the importance of poverty reduction in driving increased economic growth.
THE EFFECT OF INVESTMENT, CONSUMPTION, AND GOVERNMENT SPENDING ON POVERTY THROUGH ECONOMIC GROWTH Siti Aisah; Dita Rosyalita; Danil Surasa; Abdul Aziz; Syaeful Bakhri
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 7 (2026): JUNE
Publisher : RADJA PUBLIKA

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

Abstract

This study aims to analyze the influence of consumption, investment, government spending, and poverty on economic growth during the 2014 Q1–2024 Q4 period. The study uses a quantitative approach with secondary data in the form of time series obtained from official sources. The collected data were tested using multiple linear regression, and supported by descriptive statistical tests, stationarity tests, correlation tests, and autocorrelation tests. The results show that consumption, investment, and government spending have a positive but insignificant influence on economic growth. Conversely, poverty has a negative but significant influence on economic growth. Simultaneously, all independent variables do not have a significant effect on economic growth. The relatively low coefficient of determination value indicates that there are still other factors outside the model that influence economic growth. This finding emphasizes the importance of poverty reduction in driving increased economic growth.
THE EFFECT OF EXCHANGE RATES AND INFLATION ON THE MONEY SUPPLY IN INDONESIA: AN AUTOREGRESSIVE DISTRIBUTED LAG (ARDL) APPROACH Misbachudin; Fakhri Ahmad Zainunnuri; Neng Ulpa Apipah; Syaeful Bakhri; Abdul Aziz
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 7 (2026): JUNE
Publisher : RADJA PUBLIKA

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

Abstract

This study aims to analyze the effects of inflation and exchange rates on the money supply in Indonesia and to identify the short-term and long-term relationships among these variables. A country’s economic stability is inextricably linked to the dynamics of inflation, exchange rates, and the money supply, which are interrelated within the economic system. This study employs a quantitative approach using secondary data obtained from Bank Indonesia and the Central Statistics Agency (BPS) for the period 2020-2024. The analysis method used is the Autoregressive Distributed Lag (ARDL) model, as it is capable of estimating both short-term and long-term relationships simultaneously within a single model. The results indicate a long-term relationship among inflation, exchange rates, and the money supply. Partially, the exchange rate has a positive and significant effect on the money supply in Indonesia. This suggests that changes in the exchange rate particularly when the rupiah depreciates can drive increased liquidity in the economy through monetary policy mechanisms and international trade activities. Meanwhile, inflation does not have a significant effect on the money supply in the short term. This indicates that changes in inflation during the study period did not directly influence money supply policy due to the inflation control policies implemented by Bank Indonesia. Thus, exchange rate stability is a critical factor that must be considered in maintaining monetary equilibrium and national economic stability. Keywords: Exchange Rate, Inflation, Money Supply, Monetary Policy, ARDL
MENGUKUR TINGKAT KEPUASAN MASYARAKAT PADA PENGGUNA LAYANAN PERIZINAN USAHA DI KABUPATEN CIREBON TAHUN 2016 Syaeful Bakhri
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 2 No. 1 (2017)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v2i1.1606

Abstract

Abstract The importance of improving the quality of service to the community is a thing that can not be delayed, because with good service quality, it will be able to impact on increasing the amount of incoming investment. Public service is any service activities undertaken for the implementation of public services as an effort to meet the needs of the public and the implementation of the provisions of legislation. For the result of Community Satisfaction Index Survey on service quality of Integrated Licensing Service of Cirebon Regency Year 2016 which has the highest value is service ability of officer in giving service and service of suitability of service requirement with service type respectively 85,42, while having the lowest value is Fairness service cost to get service and suitability between cost incurred with cost which have been determined which each value equal to 77,75. Keywords:  Satisfaction, Public Service, Quality of Human Resources, Procedures. Abstrak Pentingnya peningkatan kualitas pelayanan kepada masyarakat adalah hal yang tidak dapat ditunda, karena dengan kualitas pelayanan yang baik, akan berdampak pada peningkatan jumlah investasi yang masuk. Pelayanan publik adalah kegiatan pelayanan yang dilakukan untuk pelaksanaan pelayanan publik sebagai upaya memenuhi kebutuhan masyarakat dan pelaksanaan ketentuan perundang-undangan. Untuk hasil Survei Indeks Kepuasan Masyarakat terhadap kualitas pelayanan Pelayanan Perizinan Terpadu Kabupaten Cirebon Tahun 2016 yang memiliki nilai tertinggi adalah kemampuan pelayanan petugas dalam memberikan pelayanan dan pelayanan kesesuaian kebutuhan layanan dengan jenis layanan masing-masing sebesar 85,42, sementara memiliki Nilai terendah adalah biaya layanan Fairness untuk mendapatkan pelayanan dan kesesuaian antara biaya yang dikeluarkan dengan biaya yang telah ditentukan dimana masing-masing nilai sebesar 77,75. Kata Kunci: Kepuasan, Pelayanan Publik, Kualitas Sumber Daya Manusia, Prosedur.
Co-Authors Aan Danuri Aan Jaelani Abdul Aziz Abdul Aziz Abdul Aziz Abdul Aziz Abdul Aziz Abdul Aziz Abdul Aziz Ahmad Abdul Ghoni Abdul Ghoni Abdul Nasir Achmad Otong Busthomi Afif Muamar Afiqoh Agustin Agisti, Salsabilah Fejrinaningtias Agustian, Adheflee Muhammad Agustina Ahmad Amin Mubarok Ahmad Otong Busthomi Ahsin Sakho Muhamad Ahsin Sakho Muhammad Aji Priambodo Alamsyah, Muhammad Fakhri Alda Laudya Alfan, Muh Iqbal Alleynisa, Amanda Amelia Azizah Amir Amir Anggraeni, Devina Anisa Suhada Putri Anton Sudrajat apri, Sesar Aprilliyanto Ardiansyah Ardiansyah Ardli, Arsalan Wilyan Awis Hamid Dani Ayus ahmad Yusuf Ayus Ahmad Yusuf Aziz, Abdul Azizah, Imroatul Bintang Bintang Chintya, Natsya Dewi Dangi Dangi Dangi, Dangi Dani, Awis Hamid Danil Surasa Danil Surasa David Audretsch Dede Komariah Delina Dewi Fatmasari Diana Djuwita, Diana Diana Putri Dini Nadila Sari Dita Rosyalita Dita Rosyalita Dodi Sunanto Edy Setyawan Ega Triyana Enjang Ryan Firmansyah Fakhri Ahmad Zainunnuri Fanther, Refaldo Faridah Nurbaiti Faridah Nurbaiti Faridah Nurbaiti Finita Rahmadhani Firdaus, Ahmad Maulana Fitriyani Tiarawati Futiah, Vuvut Ghofar Saifudin, Abdul Ghozali, Moh Gofar Maulana Sidik Gunawan, Muhammad Fajar Halimatus Sya'diyah Hamiid, Sharyan Haniah Haniah Haryogi, Jeryan Haulah Nakhwatunnisa Hediana, Dika Herawati, Cucu Herlinawati Herlinawati Herlinawati Idzan Ihdil Mar’i Ijah, Siti Rohmatul Indah Nurhaeni Isman Julian Jannah, Isroqtul Kumala, Titi Latip Purnama Layaman, Layaman Leliya Leliya Lilis Banowati Lilis Banowati Lilis Banowati Lina Hanayah llstianah, Esa Ma'ruf, Amar Maman Sulaeman Marhaendro Purno Maulana, Saptaji Mauliandini Mufidah Mauliandini Mufidah Melis Nur Pratiwi Mia Auliah Misbachudin Miyah Listiani Mochammad Imron Awalludin Moh Ghozali Moh. Mabruri Faozi Moh. Mabruri Faozi Moh. Mabruri Faozi, Moh. Mabruri Mohammad Fakhri Al-Farabi Mohammad Hamdan Nurhadi Muhammad Akmal Izzudin Muhammad Nuralam Mu’arif, Azmi Nizham Natsya Dewi Chintya Neng Ulpa Apipah Noval Kurnia Nudza Ainandeka De Fatih Nugraha Nugraha Nuniek Tri Wahyuni Nur Ela Nurfarikhah, Ika Nursyamsudin Nursyamsudin, Nursyamsudin Octaviani, Risthi Dwi Oki Khairul Hikmah Pahrul Fauzi Patimah, Pipin Pradini, Anez Yuniar Putri, Diana R. Ilfan Muhammad Abdurrasyid R. Nur Abdurakhman R. Nur Abdurakhman Rachmawati, Luthfiah Rana, Mohammad Refaldo Fanther Refaldo Fanther Ririn Sarinah Rofiq, Ainur Rosidah Rosidah Saefulloh, Eef Shifa Nurul Hilma Shilpha Dwi Putri Aida Shinta, Nazma Shofi Nurrohmah Sholikhah, Fitrotus Siti Aisah Siti Aisah Sri Dewi Miladiyah Sri Rahayu Sri Rokhlinasari Syahid, Husein As Sya’adatun Munawaroh Tarudi Tarudi Ulfah, Mariyah Umamah Mumtazah Askhiyah Ummah, Gabriel Rosyidatul Ummi Khulsum Vuvut Futiah Wahyuni, Nuniek Tri Wardah Nuroniyah Wartoyo Wartoyo Wasman Wasman Watuniah Watuniah Yayah Khoeriyah Yusuf, Ayus Akhmad Zahra, Dinar Maula