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All Journal Central Publisher Review of Management, Accounting, and Business Studies
Muhammad Ridho Wasturedana
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Religion Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Social Sciences Other

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IMPLEMENTASI PEMBIAYAAN MURABAHAH BANK SYARIAH DI INDONESIA Azka Naila Nazma Millah; Muhammad Ridho Wasturedana; Syifa Ainun Qolbi
Journal Central Publisher Vol 3 No 3 (2025): Jurnal Central
Publisher : Central Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60145/jcp.v3i3.627

Abstract

Latar Belakang : Akad murabahah merupakan salah satu bentuk pembiayaan dalam perbankan syariah yang memiliki karakteristik transparansi harga, di mana harga pokok dan margin keuntungan disepakati sejak awal. Latar belakang penelitian ini adalah pentingnya penyediaan pembiayaan yang transparan, mudah diakses, dan sesuai prinsip syariah bagi Usaha Mikro, Kecil, dan Menengah (UMKM) untuk mendukung pertumbuhan ekonomi nasional. Tujuan : Tujuan penelitian ini adalah untuk menganalisis penerapan akad murabahah dalam pembiayaan UMKM pada sektor perbankan syariah serta mengidentifikasi peluang dan tantangan yang dihadapi. Metode : Penelitian ini menggunakan metode studi pustaka (library research) dengan pendekatan kualitatif deskriptif, melalui pengumpulan data dari berbagai literatur, jurnal, dan dokumen terkait. Hasil dan Pembahasan : Hasil penelitian menunjukkan bahwa pembiayaan murabahah memberikan kemudahan akses pendanaan, kepastian biaya, dan mendukung pengembangan usaha melalui peningkatan kapasitas produksi dan perluasan pasar. Namun, penerapan pembiayaan ini masih menghadapi tantangan berupa prosedur administrasi yang kompleks, kurangnya pemahaman nasabah terhadap prinsip syariah, serta risiko gagal bayar, terutama pada kondisi ekonomi yang tidak stabil. Kesimpulan : Kesimpulan penelitian ini menunjukkan bahwa meskipun terdapat kendala, pembiayaan murabahah tetap memberikan kontribusi positif dalam mendukung pengembangan UMKM dan memperluas inklusi keuangan berbasis prinsip syariah.
Long-term game engagement, well-being, and firm value among Gen Z university students Danial Muhammad Wirdyansyah; Muhammad Ridho Wasturedana
Review of Management, Accounting, and Business Studies Vol. 7 No. 1 (2026): Accepted Issue
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/revenue.v7i1.7486

Abstract

The digital gaming industry in Indonesia has experienced rapid user growth, yet this expansion has not been consistently accompanied by proportional revenue performance, highlighting the importance of understanding sustainable user engagement. This study investigates the determinants of Sustainable Usage Intention (SUI) and its role in shaping Player Well-Being (PWB) and Firm Value Perception (FVP) within the context of mobile gaming. Drawing on the Technology Acceptance Model (TAM) and Hedonic Information Systems perspective, this research examines the effects of perceived enjoyment, perceived ease of use, and perceived usefulness on SUI, PWB, and FVP. Data were collected from 170 Indonesian Gen Z university students using a cross-sectional survey and analyzed with PLS-SEM. The results demonstrate that perceived usefulness and perceived enjoyment significantly influence SUI, while SUI plays a pivotal mediating role in strengthening both player well-being and firm value perception. The findings contribute to post-adoption literature by emphasizing sustainable engagement rather than mere adoption and offer practical implications for game developers seeking to balance user well-being with long-term value creation in emerging markets.
Co-Authors Azka Naila Nazma Millah Danial Muhammad Wirdyansyah Syifa Ainun Qolbi