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All Journal Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi
Nur Wulan Ramdhaniah
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analisis Konseptual Peran Uang dalam Menunjang Pertumbuhan Ekonomi: Perspektif Ekonomi Konvensional dan Syariah Hamam Misbahkhuzein; Nur Wulan Ramdhaniah; Firla Azizah; Gama Pratama
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.v4i4.5294

Abstract

This study seeks to conceptually examine the role of money in fostering economic growth from two different perspectives: conventional economics and Islamic economics. Money functions as a core element within the economic system, serving not only as a medium of exchange, a unit of account, and a store of value but also as a central driver of economic activity. In conventional economics, the role of money is closely linked to monetary policy, interest rate mechanisms, and market dynamics that influence investment, consumption, and inflation. Maintaining monetary stability is viewed as a key factor in achieving macroeconomic equilibrium and supporting national growth. Conversely, Islamic economics perceives money not as a tradable commodity for profit but as a trust (amanah) that should be directed toward productive and just economic activities. The Islamic system prohibits usury (riba), speculation (gharar), and uncertainty, while emphasizing the integration of the monetary and real sectors. In this framework, money serves as a means of equitable wealth distribution through mechanisms such as profit-sharing, zakat, waqf, and other Islamic financial instruments designed to promote social justice and economic fairness. This research adopts a qualitative descriptive approach using the library research method. Data were drawn from academic sources, including economic textbooks, peer-reviewed journals, and official reports issued by financial institutions. The findings suggest that sustainable economic growth can only be achieved through a balanced relationship between market efficiency and social justice. Integrating the rational principles of conventional economics with the ethical and moral foundations of Islamic economics can contribute to the creation of a more inclusive, stable, and sustainable economic system. Ultimately, this study is expected to enrich theoretical discourse in the field of monetary economics and enhance understanding of the role of money in developing a fair and equitable economy. Moreover, it serves as a valuable reference for formulating Islamic monetary policies aligned with national development goals and the principles of maqashid al-shariah
Peran Koperasi dalam Meningkatkan Kesejahteraan Masyarakat Nur Wulan Ramdhaniah; Dini Selasi
Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi Vol. 4 No. 2 (2026): Juni: Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anggaran.v4i2.2342

Abstract

Cooperatives are economic institutions that play a vital role in improving community welfare through the principles of family and mutual cooperation. This study aims to determine the role of cooperatives in improving community welfare and the factors that support and hinder cooperative development. The research method used was a descriptive qualitative approach, with data collection techniques through observation, interviews, and documentation. Data were obtained from cooperative administrators, cooperative members, and community members involved in cooperative activities. The results of the study indicate that cooperatives play a role in improving community welfare by providing business capital, providing savings and loan services, creating jobs, and increasing members' incomes. Furthermore, cooperatives are able to strengthen social solidarity and encourage community economic empowerment. Sharia cooperatives provide additional contributions through the application of Islamic economic principles that emphasize justice and mutual assistance. However, cooperatives still face several obstacles such as low human resource quality, limited capital, and less than optimal use of digital technology. Based on the research results, it can be concluded that cooperatives play a strategic role as pillars of the people's economy in improving community welfare. Therefore, more professional, innovative, and technology-based cooperative management is needed so that cooperatives can develop sustainably and provide broader benefits to the community.
Pengaruh Digitalisasi terhadap Perkembangan Industri Halal di Indonesia Cory Vidiati; Nur Wulan Ramdhaniah
Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi Vol. 4 No. 2 (2026): Juni: Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anggaran.v4i2.2348

Abstract

Advances in digital technology have brought about significant changes in various economic sectors, including the halal industry. Digitalization plays a crucial role in increasing competitiveness, efficiency, and expanding the market for halal businesses in Indonesia. This study aims to analyze the impact of digitalization on the growth of the halal industry in Indonesia and identify the opportunities and challenges faced during the digital transformation process. The strategy employed in this study is a qualitative approach through library research. Information was obtained from various secondary sources, such as academic articles, books, scientific journals, and reports from relevant institutions discussing digitalization and the halal industry. Data analysis was conducted using a descriptive qualitative approach through the review and interpretation of various pieces of information related to the research issue. The research findings indicate that digitalization has a positive effect on the growth of the halal industry by opening market access, improving operational efficiency, strengthening information transparency, and increasing consumer trust in halal products. Digital technology also assists in the halal certification process and the development of halal MSMEs to be more competitive in the digital economy. However, the implementation of digitalization still faces several challenges, such as low digital literacy, a lack of technological infrastructure, and the need for skilled human resources. Therefore, synergy between the government, business actors, and various stakeholders is very important to optimize the use of digital technology in supporting the development of the halal industry in Indonesia.
Co-Authors Cory Vidiati Dini Selasi Firla Azizah Gama Pratama Hamam Misbahkhuzein