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All Journal Jurnal Ekonomi dan Bisnis Indonesia Arus Jurnal Sosial dan Humaniora Journal of Economics and Social Sciences Sanskara Ekonomi dan Kewirausahaan Sanskara Manajemen dan Bisnis
Kartika Devi, Erwina
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Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences

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PENDANAAN PT PNM SEBAGAI INSTRUMEN PEMBERDAYAAN EKONOMI UMKM: STUDI KASUS DI PARIT CULUM I Desy Sutiani, Ajeng; Mustofa, M. Arif; Fatimah, Siti; Kartika Devi, Erwina; Wargo, Wargo
Jurnal Ekonomi dan Bisnis Indonesia Vol 10 No 1 (2025): JURNAL EKONOMI DAN BISNIS INDONESIA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Teknologi Sumbawa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37673/jebi.v10i1.6169

Abstract

This study aims to examine the role of PT Permodalan Nasional Madani (PNM) in supporting the growth of Micro, Small, and Medium Enterprises (MSMEs) in Parit Culum I Subdistrict, Tanjung Jabung Timur Regency, Jambi Province. Using a descriptive qualitative approach, the study highlights the effectiveness of the PNM Mekaar group-based financing program, which targets underprivileged women. The research reveals that the unsecured funding scheme, combined with entrepreneurship training, business mentoring, and financial literacy, has been effective in enhancing the production capacity, income, and economic independence of MSME actors. Moreover, the program fosters social networks among entrepreneurs, which strengthens business resilience. Despite the positive impacts, challenges remain, such as low digital literacy, limited mentoring outreach, and minimal access to broader markets. These findings underscore the importance of integrating inclusive financing with continuous development support as part of a local economic empowerment strategy centered on MSMEs.
Revenue Enhancement of Bakso Bakar King Alim Through Marketing Strategies Widiyanti, Epa; Musthofa , M. Arif; kadarsih, Sri; Abidin, Zaenal; Kartika Devi, Erwina; Yatima, Khusnul; Fatimah, Siti
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.851

Abstract

This study aims to analyze the marketing strategies implemented by the micro-enterprise Bakso Bakar King Alim, located in Muara Sabak Barat Subdistrict, Tanjung Jabung Timur Regency, Jambi Province, in its efforts to survive and grow amid local market competition. The research employs a descriptive qualitative approach with data collection techniques including interviews, observation, and documentation. The findings indicate that the business applies a marketing mix strategy that encompasses product differentiation through grilling techniques and signature seasoning blends, pricing tailored to the local purchasing power, strategic location selection, and promotion that combines digital media such as WhatsApp with word-of-mouth communication. The novelty of this research lies in the integration of digital approaches with the strength of local community networks in expanding market reach and enhancing customer loyalty. The implications of this study may serve as a reference for other micro-enterprises in developing contextual, affordable, and sustainability-oriented marketing strategies, as well as for policymakers in designing MSME empowerment programs based on local potential
Charcoal from Coconut Shells: An Innovation in Agricultural Waste Management for Local Economic Development Rahayu, Della Putri; Musthofa , M Arif; Dewi, Hasna; Kartika Devi, Erwina
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.874

Abstract

Indonesia is one of the world's largest agrarian countries, with abundant agricultural and plantation outputs. Among its leading commodities, coconut holds a strategic role in both national and regional economies. However, the substantial volume of coconut shell waste is often underutilized. This study aims to explore the processing of coconut shell waste into high-value charcoal in Lagan Tengah Village and to analyze the production process, technical challenges, market potential, and its impact on community economic empowerment. Using a descriptive qualitative approach, data were collected through field observations, in-depth interviews, and documentation studies. The findings reveal that local business initiatives, such as “Jan Rahayu Lestari,” have succeeded in producing high-quality charcoal with a fixed carbon content of approximately 75%, low moisture levels, and long burn duration. The simple pyrolysis technology employed proves to be both effective and appropriate for the local community's capacity. This initiative not only generates alternative income for farmers and housewives but also mitigates environmental pollution caused by open burning. The study affirms that the integration of local knowledge with cross-sectoral support can transform agricultural waste management into a replicable, inclusive, and sustainable model for rural economic development. These findings are relevant for the formulation of policies related to green economy, renewable energy, and the strengthening of micro-industries based on local resources
An Overview of the Public Understanding of Islamic Banking in Mendahara Ilir Akbar Marhafis, Muhammad; Daud; Haeran; Pitri, Alisyah; Kartika Devi, Erwina
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.881

Abstract

This study aims to examine the level of public understanding of Islamic banking in Mendahara Ilir Village, Mendahara District, East Tanjung Jabung Regency, Jambi Province. Using a qualitative approach with a descriptive method, the study reveals that although the term "Islamic bank" is fairly well known among the community, understanding of the underlying principles, systems, and products remains very low and largely symbolic. This lack of Islamic financial literacy is not due to rejection of the Sharia system, but rather stems from limited access to information, inadequate educational efforts from Islamic financial institutions, and the low integration of Islamic economic content in religious activities. The study finds that awareness of Islamic identity has not yet aligned with technical understanding of Sharia contracts (akad). Other findings suggest that direct experience in using Islamic banking services can serve as an important bridge toward deeper understanding. The study recommends contextual and collaborative Islamic financial literacy strategies, involving religious leaders, local media, experiential training, and the strengthening of Islamic economic curricula in both formal and informal education. With such strategies, Islamic financial inclusion in remote areas like Mendahara Ilir can be significantly improved, thereby supporting fair, sustainable, and Islamically-aligned local economic development
An Exploration of the Practice of Buying and Selling Mobile Legends Diamonds Based on Sharia Economic Law Jemani; Daud; Khoiratun Nisak, Sayida; Kurniawan; Sunarti, Zeni; Kartika Devi, Erwina; Okva Marwendi, Reza
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.891

Abstract

This study aims to examine the practice of purchasing Mobile Legends diamonds at Toko Samsul Muin Jaya from the perspective of Sharia economic law. Employing a descriptive qualitative approach through a single case study design, this research provides an in-depth analysis of digital transaction mechanisms within a rural context. Data were collected through observation, interviews, and documentation, and analyzed using the Miles, Huberman, and Saldaña model. The findings reveal that the transaction practices are conducted informally, lacking contractual clarity, transparency of the transaction object, and adequate consumer protection. Although the shop is trusted by the local community due to its speed and affordable pricing, the practices still involve elements of gharar (uncertainty) and do not fully comply with Sharia standards. The novelty of this research lies in its direct exploration of digital buying and selling practices in rural areas, which remain underexplored in contemporary Islamic economic law literature. The findings underscore the importance of digital-based Sharia economic literacy education and the active role of religious leaders and regulators in guiding communities toward fair, transparent, and Sharia-compliant digital economic practices
Analyzing Community Saving Behavior at the 'Usaha Bersama' Savings and Loan Cooperative Hardiansah, Abu; Musthofa , M. Arif; Khoiratun Nisak, Sayida; Daud; Kartika Devi, Erwina
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.901

Abstract

This study investigates the saving behavior of members of the “Usaha Bersama” Savings and Loan Cooperative in Merbau Village, Mendahara District, utilizing the Theory of Planned Behavior as the analytical framework. Employing a qualitative approach through interviews, observations, and documentation, the research uncovers the complex interplay of economic, social, and cultural factors influencing members’ saving habits. Findings reveal that ease of access, social proximity, trust in cooperative management, and local cultural values—particularly the principle of ta’awun (mutual cooperation)—significantly shape saving behavior. Although savings amounts tend to be small and irregular due to fluctuating agricultural incomes, saving remains an integral part of the community’s strategy to manage economic uncertainty and urgent needs. The study highlights the cooperative’s innovative flexible deposit policy and transparent, participatory management as key drivers of member engagement and loyalty. Implications emphasize the importance of inclusive cooperative models, continuous financial education, and culturally grounded policies in promoting sustainable savings practices and enhancing rural economic empowerment. This research contributes practical insights for cooperative development and policy formulation aimed at strengthening community-based financial inclusion in underserved rural areas
Optimization of Empowerment Strategies for Shrimp Cracker SMEs to Enhance Income and Competitiveness Zaky Jahisam, Ahmad; Musthofa , M. Arif; Sunarti, Zeni; Kartika Devi, Erwina; Fatimah, Siti
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.902

Abstract

This study examines the empowerment strategies implemented by the Cempaka 2 Wood-Fired Shrimp Crackers MSME in Kelurahan Mendahara Ilir, which significantly enhance income and product competitiveness in both local and external markets. Employing a qualitative descriptive approach, the research identifies key strategies such as continuous product quality improvement through training and innovation in flavor variants and hygienic packaging, the development of integrated marketing networks combining traditional and digital platforms, managerial training for human resource capacity building, and sustainable utilization of abundant local raw materials. The study contributes novel insights into integrating product innovation tailored to modern consumer preferences and the successful transition of traditional MSMEs into digital marketing channels. Additionally, it highlights the socio-cultural role of MSMEs in preserving local identity and cultural heritage, alongside environmental sustainability through coastal ecosystem preservation. The findings provide valuable recommendations for policymakers, business actors, and stakeholders to foster sustainable MSME development that balances economic, social, and cultural dimensions, ultimately supporting inclusive local economic growth
Innovative Equitable Profit-Sharing Schemes for Optimizing Cattle Farming Income: An Integrative Approach Based on Islamic Law Pertiwi, Ana; Sunarti, Zeni; Haeran; Musthofa , M. Arif; Kartika Devi, Erwina
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.904

Abstract

This study explores the effective implementation of the profit-sharing mechanism based on the mudharabah contract in cattle farming enterprises in Parit Culum II Village, Indonesia, aiming to overcome capital constraints and enhance farmers’ income. Employing a qualitative descriptive approach, the research combines empirical and normative juridical methods, utilizing field observations, interviews, and document analysis. The findings reveal that the mudharabah model fosters a synergistic partnership between capital providers (shahibul maal) and farmers (mudharib), where profits are shared proportionally and financial risks borne mainly by capital owners, unless managerial negligence occurs. Notably, the study uncovers an innovative profit-sharing scheme involving both monetary returns and proportional division of livestock offspring, promoting sustainable biological asset management. This application extends fiqh muamalah into the agribusiness sector, emphasizing justice (‘adl), trustworthiness (amanah), and maqashid al-shari’ah principles to establish transparent and equitable partnerships. The research highlights the importance of enhanced monitoring, communication, and Shariah-based managerial training to optimize partnership sustainability. This model offers practical insights for advancing inclusive and sustainable Shariah-compliant economic development in rural agrarian communities
Optimization of the Dual Role of Housewives in the Economic Activities of Fishermen Communities in the Digital Era Gano, Erwin; Khoiratun Nisak, Sayida; Wandi; Wargo; Kartika Devi, Erwina
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.905

Abstract

The dual role of housewives in the fishing community of Mendahara Ilir Subdistrict is the primary focus of this study, which examines how they manage domestic responsibilities while simultaneously contributing to informal economic activities such as part-time work and small-scale enterprises. This study also highlights the practice of saving at Islamic banks as a strategy to enhance financial literacy and economic stability for fishing families. Employing a qualitative approach with a case study method, data were collected through in-depth interviews, participatory observation, and document analysis. The findings indicate that the dual role of housewives serves as a crucial pillar in maintaining family economic resilience, particularly amid the instability of husbands’ incomes. Economic activities carried out by housewives, such as betel nut peeling and home-based businesses, not only increase family income but also strengthen social solidarity within the community. Saving activities at Islamic banks align with religious values and contribute to sustainable family financial management. This study underscores the importance of policy support for women’s empowerment through skills training, access to capital, and market network expansion, alongside promoting inclusive financial services grounded in Islamic principles. In conclusion, the strategic involvement of housewives in both domestic and economic spheres significantly contributes to the sustainable socio-economic development of the fishing community
Analysis of Community Digital Literacy Levels in the Use of Mobile Banking at Islamic Banks Ramadhan Asmara, Rizky; Dewi , Hasna; Edi Saputra, Ahmad; Kartika Devi, Erwina; Haeran
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.906

Abstract

This study explores the level of knowledge and understanding of mobile banking services offered by Bank Syariah Indonesia among the community of Kelurahan Mendahara Ilir. Utilizing a qualitative descriptive approach, data were collected through interviews, observations, and document reviews to analyze community experiences and perceptions. Findings reveal that knowledge about mobile banking varies significantly, with younger and more educated individuals demonstrating greater awareness and usage. Major barriers include insufficient socialization and training, unstable internet connectivity, limited data availability, and concerns over digital transaction security. These challenges contribute to the continued reliance on conventional banking methods among certain groups. The study highlights the necessity for intensified and inclusive educational programs, improved digital infrastructure, and user-friendly guidance to enhance digital literacy. Addressing these issues will facilitate broader adoption of mobile banking services and support the advancement of sharia-compliant financial inclusion in the digital age
Co-Authors Acep Fatchuroji Agung Prayoga, Dimas Akbar Marhafis, Muhammad Al-Munip Alisyah Daud Desy Sutiani, Ajeng Dewi , Hasna dewi, hasna Edi Saputra, Ahmad Gano, Erwin Haeran Hardiansah, Abu Himawan Sutanto, Himawan Iwan Harsono Jamiah Jemani Judijanto, Loso Kadarsih, Sri Kaharuddin Khoiratun Nisak, Sayida Kurniawan M. Arif Musthofa M. Fahrurrozi Musthofa , M Arif Musthofa , M. Arif Mustofa, M. Arif Nilfatri Nisak Munamah, Anatun Okva Marwendi, Reza Pertiwi, Ana Pitri, Alisyah Prameswari, Nanda Rahayu, Della Putri Ramadhan Asmara, Rizky Sarmiati Sarmiati Sarwono Siti Fatimah Sunarti, Zeni Susanti, Pini Utami, Eva Yuniarti wandi Wargo Wargo, Wargo Widiyanti, Epa Wulandari, Triyana Yatima, Khusnul Zaenal Abidin Zaky Jahisam, Ahmad