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All Journal Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Jurnal Manajemen Dan Bisnis Ekonomi
Septia Arum Ningsih
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Faktor-Faktor Penyebab Masalah Pokok Pembangunan Ekonomi di Era Globalisasi di Indonesia Mira Yuli; Septia Arum Ningsih; Gama Pratama
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 3 No. 4 (2025): Oktober : JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v3i4.3572

Abstract

This study analyzes the factors causing the main problems in economic development during the era of globalization, as well as the resulting impacts, both positive and negative. The approach used is qualitative, based on a literature review of academic publications and relevant sources. The findings indicate that economic development is primarily characterized by an increase in per capita income and community prosperity. However, it also faces several challenges, including poverty, unemployment, inflation, and low human development, all exacerbated by advances in information technology, transportation, international trade, and the ideology of free markets. While globalization offers significant opportunities for economic growth, it also brings challenges that require careful management. The positive impacts include increased access to global markets and technological advancements, while the negative impacts involve widening inequality and cultural erosion. This study offers recommendations for addressing these issues, such as strengthening government regulations, improving organizational strategies, preserving local culture, and focusing on human resource development. It is hoped that this study will serve as a reference for formulating inclusive and sustainable economic development policies in the globalized era.
Sistem Pembayaran E-Commerce di Indonesia dalam Perspektif Islam Septia Arum Ningsih; Eka Nurfadhilah
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 4 No. 4 (2025): Oktober: Inisiatif : Jurnal Ekonomi, Akuntansi dan Manajemen
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/inisiatif.v4i4.5246

Abstract

This study contains an analysis of the e-commerce payment system in Indonesia from an Islamic perspective as well as the methods of e-commerce payments and the sharia principles that underlie the payment system. The approach taken is a qualitative approach with a literature review from academic publications and relevant sources. The results of this study show that the e-commerce payment system in Indonesia, if it is in accordance with the Islamic perspective, must be based on sharia principles and Islamic law. The Islamic financial system itself is sourced from the Qur'an and the Sunnah, as well as from the interpretation of scholars of these sources of revelation. Payment instruments in Islamic principles include cash, hawala (money transfer), wakalah bil ujrah, sharia payment cards, checks and bilyet, and electronic money. The Islamic payment system has its own opportunities and challenges, especially in terms of technological innovation, transaction security, and compliance with sharia principles. This research is expected to be an academic and practical reference to understand the implementation of the e-commerce payment system in Indonesia that is in accordance with Islamic values and supports the sharia-based digital economy.
Co-Authors Eka Nurfadhilah Gama Pratama Mira Yuli