Sunan Agung Nugroho
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Persepsi dan Respon Pelaku UMKM terhadap Penerapan QRIS sebagai Sistem Pembayaran Digital di Desa Serbananti Putri Andini; Nadya Nadya; Sunan Agung Nugroho; Nurul Huda Prasetya
Jurnal Ilmiah Manajemen dan Kewirausahaan Vol. 5 No. 1 (2026): Januari: Jurnal Ilmiah Manajemen dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimak.v5i1.5448

Abstract

The digitalization of payment systems has become an important breakthrough in supporting the efficiency of financial transactions, including in the micro, small, and medium enterprises (MSMEs) sector. The Quick Response Code Indonesian Standard (QRIS) was introduced as a digital payment instrument expected to enhance convenience, security, and accessibility in transactions. This study aims to explore the perceptions and responses of MSME actors in Serbananti Village toward the implementation of QRIS as a digital payment system. The research employed a qualitative approach through in-depth interviews and observations involving five MSMEs that have received QRIS facilities. The findings indicate that some MSME actors hold positive perceptions of QRIS, viewing it as practical, modern, and aligned with current consumer payment trends. However, challenges were also identified, such as limited digital literacy, concerns about additional costs, and consumers’ preference for cash transactions. Therefore, it can be concluded that the implementation of QRIS in Serbananti Village still requires intensive socialization and technical assistance to enable MSMEs to maximize the benefits of this digital payment system.
Analisis Efektivitas Etf Syariah sebagai Instrumen Investasi Halal di Pasar Modal Indonesia Ema Nur Syahfitri; M. Yasfin Nasution; Annisa Khoiri; Miranda Panjaitan; Willia Wahyuni; Ikram Muharril; Sunan Agung Nugroho; Nur Aisyah Tanjung; Muhammad Ikhsan Harahap
Jurnal Ilmu Manajemen, Bisnis dan Ekonomi Vol 3 No 5 (2026): Februari
Publisher : PT Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jimbe.v3i5.949

Abstract

This study aims to analyze the effectiveness of Sharia Exchange Traded Funds (ETFs) as halal and efficient investment instruments in the Indonesian Capital Market, by comparing their financial performance, operational efficiency, and sharia compliance with benchmark indices and active sharia investment products. The method used is quantitative descriptive with purposive sampling on three active Sharia ETFs on the Indonesia Stock Exchange (IDX) during the period 2022–2024, using daily price data, NAV, and operational costs to calculate the Average Annual Growth Rate (AAGR), Sharpe Ratio, Total Expense Ratio (TER), and Tracking Error (TE) values. The results show that Sharia ETFs are highly effective, evidenced by low TE (below 0.80%) confirming the accuracy of index replication, significantly lower TER (average 0.85% vs. 2.0-3.5% in active mutual funds) that provides competitive net returns, and superior Sharpe Ratio, confirming that Sharia ETFs are a low-cost and liquid diversification solution that is fully sharia-compliant.