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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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Optimization of Coconut Plantations as a Source of Economic Empowerment for Santri in Islamic Boarding Schools Kaharuddin; Fatimah, Siti; Sarwono; sarmiati; Kartika Devi, Erwina; Wargo; Al-Munip
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.v4i2.908

Abstract

This study examines the management of coconut plantations at Pondok Pesantren Wali Peetu in Desa Air Hitam Laut as an effort to strengthen the economic independence of the pesantren while serving as a holistic educational medium for santri (students). A qualitative research method employing a case study approach was used to explore the management processes, economic roles, and social impacts generated by the plantation. The findings indicate that the involvement of santri in all stages of coconut plantation activities not only produces significant income for the pesantren but also shapes the character, life skills, and leadership qualities of the santri in accordance with Islamic economic principles. This management model applies the “learning by doing” approach and context-based character education, integrating spiritual, technical, and social aspects. The coconut plantation management at the pesantren represents an important innovation that fills the gap in the traditional pesantren educational paradigm with a sustainable community-based economic empowerment approach. These findings are expected to serve as a reference for other pesantren seeking to optimize local resources for sustainability and santri empowerment
The Firewood-Fried Shrimp Crackers MSME: A Model for Sustainable Local Economic Empowerment Prameswari, Nanda; Pitri, Alisyah; Khoiratun Nisak, Sayida; Nisak Munamah, Anatun; Dewi , Hasna; Kartika Devi, Erwina; Edi Saputra, Ahmad
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.v4i2.913

Abstract

This study aims to examine the role of the Firewood-Fried Shrimp Cracker Micro, Small, and Medium Enterprise (MSME) in Mendahara Ilir Village, East Tanjung Jabung Regency, in enhancing the income of coastal communities. Employing a qualitative approach with a descriptive method, data were collected through direct observation, in-depth interviews, and documentation, and were subsequently analyzed inductively using data reduction, data display, and conclusion-drawing techniques. The findings indicate that this MSME makes a significant contribution to the local economy by creating employment opportunities for low-educated workers, increasing household income, and improving quality of life in areas such as education, health, and housing. The enterprise’s main strengths lie in production skills inherited across generations and the use of traditional methods that preserve its distinctive flavor. Nonetheless, it faces challenges including limited capital, unstructured management, a shortage of skilled labor, and dependence on raw material supplies affected by weather and environmental conditions. Government support in the form of training, financial assistance, and marketing facilitation has helped expand market reach. The study concludes that, with strengthened managerial capacity, improved access to financing, and the development of adaptive marketing strategies, the Firewood-Fried Shrimp Cracker MSME has the potential to serve as a sustainable model of local wisdom-based economic development
Perceptions and Preferences of Traditional Market Traders toward Islamic Banking M. Fahrurrozi; Abidin, Zaenal; Sarwono; Khoiratun Nisak, Sayida; Dewi , Hasna; 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.v4i2.914

Abstract

This study explores the perceptions of traders at Pasar Sabtu, Mendahara Ilir, towards Islamic banking, focusing on factors influencing their acceptance and utilization of Sharia-compliant financial services. Employing a qualitative descriptive approach through interviews, observations, and document analysis, the research uncovers that while traders exhibit a positive inclination toward Islamic banking grounded in spiritual values and trust, their understanding of fundamental Sharia principles remains limited. Barriers such as restricted physical access to Islamic banking branches, inadequate financial and digital literacy, and reliance on informal information networks hinder broader adoption. The study highlights the critical role of spirituality as social capital, alongside geographic, educational, and socio-cultural factors, in shaping perceptions and behaviors. Findings suggest that for Islamic banking to expand inclusively within traditional markets, strategic emphasis must be placed on comprehensive literacy enhancement, improved accessibility, and community engagement. This research contributes novel insights by holistically integrating spiritual, educational, and socio-economic dimensions, providing a foundation for tailored educational and marketing strategies that support sustainable financial inclusion
The Impact of Financial Literacy and Inclusion on MSME Performance in Talang Babat: An Empirical Approach to Driving Local Economic Growth Agung Prayoga, Dimas; Abidin, Zaenal; Yatima, Khusnul; Musthofa , M. Arif; 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.v4i2.916

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in Indonesia’s economy, yet their performance in regions like Talang Babat Subdistrict remains suboptimal due to low financial literacy and limited financial inclusion. This study investigates the individual and simultaneous effects of financial literacy and financial inclusion on MSME performance using a quantitative causal approach with multiple linear regression analysis. Data were collected from 89 MSME actors selected through cluster random sampling. The results demonstrate that both financial literacy and financial inclusion significantly and positively influence MSME performance, explaining 68.8% of its variance. The study highlights the synergistic impact of these variables, emphasizing the importance of integrating financial education with improved access to formal financial services. Findings also underscore the practical importance of separating personal and business finances and structured financial record-keeping in enhancing business sustainability. The study contributes to MSME literature by providing an integrative model and offers policy recommendations for local governments and financial institutions to support MSME development through holistic financial capacity building and inclusion strategies
Tinjauan Hukum Islam terhadap Praktik Jual Beli Karung Bekas di Toko Bilqis Jaya Desa Pematang Rahim Kecamatan Mendahara Ulu Jamiah; Musthofa, M Arif; Wulandari, Triyana; Sunarti, Zeni; Kartika Devi, Erwina; Alisyah; Nilfatri
Arus Jurnal Sosial dan Humaniora Vol 5 No 2: Agustus (2025)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajsh.v5i2.1333

Abstract

Penelitian ini menganalisis praktik jual beli karung bekas di Toko Bilqis Jaya Desa Pematang Rahim dalam perspektif hukum Islam, dengan fokus pada thaharah dan pemanfaatan karung bekas untuk produk pangan. Menggunakan metode kualitatif dengan pendekatan normatif-empiris, hasil penelitian menunjukkan bahwa proses pembersihan karung bekas di toko tersebut belum memenuhi standar thaharah, terutama pada karung bekas pupuk dan bahan kimia. Meskipun akad jual beli sah, penggunaan karung bekas untuk produk pangan membutuhkan pembersihan lebih lanjut. Pemanfaatan karung bekas untuk produk pangan harus memperhatikan jenis karung, tingkat kontaminasi, dan efektivitas pembersihan. Karung bekas yang terkontaminasi bahan kimia atau pestisida sebaiknya tidak digunakan untuk produk pangan. Penelitian ini merekomendasikan peningkatan proses pembersihan, transparansi informasi, pemilahan karung berdasarkan risiko kontaminasi, dan penggunaan pelindung tambahan untuk mencegah kontaminasi produk pangan.
Pengaruh Kebijakan Pendidikan dan Distribusi Pendapatan terhadap Ketimpangan Ekonomi di Indonesia Judijanto, Loso; Kartika Devi, Erwina; Fatimah, Siti; Susanti, Pini
Sanskara Ekonomi dan Kewirausahaan Vol. 2 No. 03 (2024): Sanskara Ekonomi dan Kewirausahaan (SEK)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/sek.v2i03.405

Abstract

Penelitian ini menyelidiki pengaruh kebijakan pendidikan dan distribusi pendapatan terhadap ketimpangan ekonomi di Indonesia melalui analisis kuantitatif. Dengan menggunakan data yang dikumpulkan dari 200 responden di berbagai daerah, penelitian ini menggunakan pemodelan persamaan struktural (structural equation modeling / SEM) dengan regresi kuadrat terkecil parsial (partial least squares / PLS) untuk menguji hubungan antara persepsi kebijakan pendidikan, persepsi distribusi pendapatan, dan ketimpangan ekonomi. Temuan ini mengungkapkan hubungan negatif yang signifikan antara persepsi kebijakan pendidikan, persepsi distribusi pendapatan, dan ketimpangan ekonomi, yang mengindikasikan bahwa persepsi yang lebih baik terhadap kebijakan pendidikan dan distribusi pendapatan berhubungan dengan tingkat ketimpangan yang lebih rendah. Selain itu, analisis mediasi menunjukkan bahwa persepsi kebijakan pendidikan secara parsial memediasi hubungan antara persepsi distribusi pendapatan dan ketimpangan ekonomi. Hasil ini menggarisbawahi pentingnya kebijakan pendidikan yang efektif dan distribusi pendapatan yang adil dalam mengurangi ketimpangan ekonomi dan mendorong pembangunan yang inklusif di Indonesia.
Analisis Korelasi Manajemen Risiko dan Ketahanan Bisnis terhadap Keunggulan Kompetitif Perusahaan Sektor Jasa di Indonesia Utami, Eva Yuniarti; Fatchuroji, Acep; Kartika Devi, Erwina; Harsono, Iwan; Sutanto, Himawan
Sanskara Manajemen Dan Bisnis Vol. 2 No. 02 (2024): Sanskara Manajemen dan Bisnis (SMB)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/smb.v2i02.367

Abstract

Penelitian ini menyelidiki hubungan antara praktik manajemen risiko, ketahanan bisnis, dan keunggulan kompetitif dalam perusahaan-perusahaan sektor jasa di Indonesia. Dengan menggunakan pendekatan kuantitatif, survei dilakukan terhadap 150 perusahaan dengan fokus pada konstruk-konstruk utama: Ketahanan Bisnis, Manajemen Risiko, dan Keunggulan Kompetitif. Model persamaan struktural menunjukkan hubungan positif yang signifikan antara ketahanan bisnis dan keunggulan kompetitif (β = 0,553) dan manajemen risiko dan keunggulan kompetitif (β = 0,342). Indeks kecocokan model menunjukkan kecocokan yang masuk akal secara keseluruhan, mendukung kekokohan kerangka kerja yang diusulkan. Temuan-temuan ini menggarisbawahi pentingnya strategi untuk mengembangkan ketahanan bisnis dan manajemen risiko yang efektif untuk mendapatkan keunggulan kompetitif di sektor jasa Indonesia.
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