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All Journal Jurnal Bisnis, Ekonomi Syariah dan Pajak Ekonosfera: Jurnal Ekonomi, Akuntansi, Manajemen, Bisnis dan Teknik Global
Muhammad Ryan Romadhon
Unknown Affiliation
Economics, Econometrics & Finance

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Potensi Green budgeting dalam Meningkatkan Efisiensi Pengeluaran Publik untuk Mewujudkan Pembangunan Berkelanjutan di Indonesia Siti Mutmainah; Slamet Wijiono; Muhammad Ryan Romadhon
Jurnal Bisnis, Ekonomi Syariah, dan Pajak Vol. 2 No. 2 (2025): Juni : Jurnal Bisnis, Ekonomi Syariah, dan Pajak (JBEP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jbep.v2i2.1034

Abstract

Climate change is a global challenge that affects various aspects of life, including economic development. The concept of green budgeting has emerged as an important strategy to ensure the efficiency of public spending while supporting sustainable development in Indonesia. This research analyzes the potential of green budgeting to enhance the efficiency of environmental budget management, focusing on public fiscal policies that align with sustainability. By implementing mechanisms such as climate-based budgeting (CBT), the government can increase the budget for programs aimed at mitigating and adapting to the impacts of climate change, but also faces structural challenges such as a lack of human resources and the absence of a comprehensive oversight system. This study adopts a qualitative approach to identify the relationship between public expenditure efficiency and the implementation of green budgeting in development policy, using literature review methods. Research results show that the distribution of green budgets in the state budget (APBN) is still limited, indicating a potential inefficiency in fund allocation. Therefore, it is necessary to enhance institutional capacity, integrate monitoring systems, and commit to implementing fiscal policies that consider the environment by both the central and local governments.
Frugal Living Sebagai Solusi dalam Mengatasi Pinjaman Online Akibat Gaya Hidup Konsumtif Mutmainah, Siti; Muhammad Ryan Romadhon
Ekonosfera: Jurnal Ekonomi, Akuntansi, Manajemen, Bisnis dan Teknik Global Vol. 1 No. 3 (2025): Juli
Publisher : Yayasan Cendekia Gagayunan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63142/ekonosfera.v1i3.358

Abstract

The development of digital technology has given rise to the phenomenon of online loans that offer quick access with simple terms. However, this convenience is often abused to meet a consumptive lifestyle, triggering default problems. This study aims to analyze the role  of frugal living (frugal lifestyle) in preventing dependence on online loans by reviewing its relevance in the perspective of Islamic economics. The research uses a qualitative descriptive approach through a literature review related to online lending practices, frugal living, and consumption ethics in Islam. The results show that frugal living, which emphasizes prioritizing needs, prudent financial management, and avoiding excessive spending, is able to suppress consumptive behavior and reduce dependence on online loans. This concept is in line with Islamic principles that prohibit excessive use of property. This study concludes that  strengthening frugal living not only serves as a financial sustainability strategy, but is also relevant to Islamic ethics. The academic contribution of this research lies in the integration of the concept of frugal living with the perspective of Islamic economics, while practically recommending a financial literacy policy to increase individual resilience to online loans.
Co-Authors Siti Mutmainah Slamet Wijiono