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All Journal Business and Applied Management Journal Ekopedia: Jurnal Ilmiah Ekonomi Jejak digital: Jurnal Ilmiah Multidisiplin Aksi Kita: Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmu Sosial dan Humaniora Indonesia Berdampak: Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Almawarid: Journal of Management and Business Sciences
Murniati Murniati
Universitas Halu Oleo
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Analisis Penggunaan Platform E-commerce pada Masyarakat di Desa Lalonggombu, Kecamatan Lainea, Kabupaten Konawe Selatan Murniati Murniati; Murni Nia; Muhammad Juwantho Lewa; Juli Regina
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 1 (2026): JANUARI -JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/dgvwwz43

Abstract

This study aims to analyze the use of e-commerce platforms among the community in Lalonggombu Village, Lainea District, Konawe Selatan Regency. This study employs a qualitative approach with a descriptive method to explore the phenomenon of e-commerce usage in everyday life. Data were collected through interviews, observations, and documentation involving community members who use e-commerce platforms. The results indicate that the use of e-commerce platforms in Lalonggombu Village has increased along with the development of digital technology. The community utilizes e commerce due to its ease of access, time efficiency, and the availability of various promotional features such as discounts, cashback, and free shipping. The use of e-commerce is characterized by high frequency of access, relatively long usage duration, and increasing transaction intensity.  However, the convenience of e-commerce usage also reflects a shift in consumption patterns from need-based consumption to desire-oriented consumption. This is indicated by unplanned purchases and intensive use of promotional features that encourage higher consumption activities.  In conclusion, the use of e-commerce platforms has become an integral part of the community’s daily life in Lalonggombu Village and has the potential to influence consumption patterns. Therefore, awareness is needed to ensure that e-commerce is used wisely and consumption remains rational and based on actual needs.
Analisis Perilaku Konsumtif Masyarakat Dalam Perspektif Ekonomi Syariah Di Desa Lalonggombu Kecamatan Lainea Kabupaten Konawe Selatan Murni Nia; Murniati Murniati; Wahyu Muh. Syata; Yuli Regina Tasman
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 1 (2026): JANUARI -JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/6mf6vs49

Abstract

This study aims to analyze the consumptive behavior of the community in Lalonggombu Village, Lainea District, Konawe Selatan Regency from an Islamic economic perspective. This study employs a qualitative approach with a descriptive method to explore in depth the phenomenon of consumptive behavior within the community. Data were collected through interviews, observations, and documentation involving village residents as informants. The results show that the community’s consumptive behavior is characterized by a tendency to make excessive and unplanned purchases, as well as prioritizing wants over needs. Factors influencing this behavior include ease of access to goods, social environmental influences, and the presence of attractive promotional offers. From an Islamic economic perspective, such consumptive behavior is not fully in line with Islamic consumption principles, which emphasize moderation, avoidance of extravagance (israf), and prioritization of needs over desires.In conclusion, the consumptive behavior of the community in Lalonggombu Village reflects a deviation from Islamic economic principles in managing consumption. Therefore, it is necessary to enhance public awareness and understanding of the importance of applying Islamic economic values in consumption activities in order to achieve a balance between worldly needs and spiritual values.
Dampak Stagnasi Pendidikan Menengah-Tinggi terhadap Pembangunan Ekonomi dan Modal Manusia di Sulawesi Tenggara: Implikasi bagi Kebijakan Keuangan Daerah Murniati Murniati
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 2 (2026): APRIL-JUNI 2026
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/6e211t42

Abstract

This research aims to analyze the impact of stagnation in secondary-higher education on economic development and human capital in Southeast Sulawesi and to examine its implications for regional financial policies. Using a systematic literature review approach based on BPS data, empirical journals, and the latest education policies, this research finds that stagnation in access and quality of secondary-higher education is reflected in low school participation rates, decreasing average years of schooling, and significant regional and social group disparities. Structural barriers such as poverty, limited educational infrastructure, disparities in teacher distribution, and the effectiveness of educational aid policies are the main causes. Consequently, the workforce structure is dominated by lower secondary graduates, educated unemployment and informal workers remain high, and the demographic bonus has not been optimally utilized for regional economic transformation. The findings of this research indicate that regional fiscal policies—particularly the allocation of education budgets and the effectiveness of assistance programs—still need to be significantly improved, especially for secondary-higher education and underdeveloped areas. The reformulation of budget management strategies, improvement of education aid governance, and cross-sector collaboration are the main recommendations to ensure that education investments truly impact the enhancement of human capital quality and inclusive economic growth. This research also highlights the importance of data-driven policy innovation and strengthening the monitoring of educational programs to accelerate the sustainable transformation of human development in Southeast Sulawesi.
Pendapatan Usaha Mikro dalam Menghadapi Persaingan Ritel Modern: Studi Kasus Toko Cahaya Bone di Kelurahan Lamonae Kecamatan Wiwirano Kabupaten Konawe Utara Murniati Murniati
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 3 (2026): MEI 2026
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/qm2qyb38

Abstract

The expansion of modern retail is often feared to affect the performance of micro-businesses, particularly threatening the income and business sustainability at the local level. This study aims to analyze micro-business income in the face of modern retail competition, taking a case study at Toko Cahaya Bone in Lamonae Village, Wiwirano District, North Konawe Regency. This research uses a quantitative approach with descriptive analysis methods. The data used is secondary data in the form of gross circulation (gross income) reports of Toko Cahaya Bone during the period of 2022 to 2024. The results showed that the business's gross circulation experienced a consistent increase. The total gross circulation was recorded at Rp2,250,000,000 in 2022, increased to Rp2,385,000,000 in 2023, and rose again to reach Rp2,650,000,000 in 2024. In conclusion, the presence of modern retail does not always have a negative impact on micro-business income. Micro-businesses are able to survive by utilizing business closeness with local consumers, social relationships, and flexibility in adjusting products according to market needs, which become their advantages in social capital and relational marketing.Keywords: Income, Micro Business, Modern Retail, Gross Circulation, Social Capital..
The Influence of Murabahah, Mudharabah, and Musyarakah on the Profitability of Islamic Banking Murni Nia; Abdul Rachman Rika; Asriyani Mulia Basri; Murniati Murniati; Wahyu Muh Syahta
Business and Applied Management Journal Vol. 4 No. 1 (2026)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v4i1.2067

Abstract

This study examines the effect of murabahah, mudharabah, and musyarakah financing on the profitability of Islamic commercial banks registered with the Financial Services Authority (OJK) during the 2021–2023 period. Previous studies have reported inconsistent findings regarding the relationship between Islamic financing contracts and bank profitability, particularly in the context of participatory financing schemes in Islamic banking institutions. This study contributes to the literature by providing empirical evidence on the comparative influence of major Islamic financing contracts on profitability using quarterly multi-bank data from Indonesia. The study employs a quantitative approach using purposive sampling, resulting in three Islamic commercial banks as research samples: PT Bank Muamalat Indonesia, PT Bank Victoria Syariah, and PT BCA Syariah. Data were analyzed using multiple linear regression analysis. The findings reveal that murabahah financing has a negative and significant effect on profitability, mudharabah financing has a positive but insignificant effect, while musyarakah financing has a positive and significant effect on profitability. Simultaneously, murabahah, mudharabah, and musyarakah financing collectively have a significant influence on the profitability of Islamic commercial banks. These findings indicate that financing portfolio composition plays an important role in shaping the financial performance of Islamic banking institutions and highlights the importance of balancing fixed-margin and profit-sharing financing schemes to achieve sustainable profitability.
Strategi Transformasi Digital dan Dampaknya Terhadap Loyalitas Nasabah pada PT Bank Muamalat Indonesia Cabang Kendari Murniati Murniati; Murni Nia; Yuyun Saputri
Jurnal Ilmu Sosial dan Humaniora Vol. 2 No. 2 (2026): APRIL-JUNI 2026
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/eh9sf304

Abstract

This study aims to analyze the digital transformation strategy implemented and examine its impact on customer loyalty at PT Bank Muamalat Indonesia Kendari Branch. This research uses a qualitative approach with a descriptive research type. Data collection techniques were carried out through observation, in-depth interviews, and documentation involving branch management, operational and information technology service staff, and customers who use digital services. The data analysis technique used includes data reduction, data presentation, and conclusion drawing. The results show that the digital transformation strategy is carried out through three main stages, namely environmental analysis, service planning and implementation, and continuous evaluation and control. The forms of digital services developed include Muamalat DIN, Internet Banking, and QRIS. The implementation of this strategy has proven to provide convenience, speed, and transaction security while adhering to sharia principles, thus having a positive impact on satisfaction and the formation of customer loyalty. This is reflected in indicators of satisfaction with service benefits, usage loyalty, prioritizing services, and willingness to recommend to others
Pelatihan Pembuatan Stik Umbi Keladi (Colocasia esculenta) dalam  Upaya Pemberdayaan Ibu Rumah Tangga di Kendari Permai Kota Kendari Murni Nia; La Taena; Muliha Halim; Hasniah Hasniah; Murniati Murniati; Wahyu Muh. Syata; Jumatin Jumatin; Yuniyarti Ahiri; Nurmaela Nurmaela
Aksi Kita: Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 2 (2026): MARET-APRIL
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/cmkqf229

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk memberdayakan ibu rumah tangga melalui pemanfaatan potensi lokal umbi keladi (Colocasia esculenta) menjadi produk olahan bernilai ekonomi. Permasalahan utama yang dihadapi mitra adalah rendahnya diversifikasi produk olahan, keterbatasan keterampilan pengolahan, serta minimnya pengetahuan tentang manajemen usaha dan pemasaran. Kegiatan dilaksanakan di Kelurahan Kendari Permai, Kota Kendari pada bulan Mei hingga Desember 2025 dengan sasaran ibu rumah tangga dan anggota PKK. Metode yang digunakan adalah pendekatan partisipatif dengan model learning by doing yang meliputi tiga tahapan, yaitu sosialisasi melalui Focus Group Discussion (FGD), praktik pembuatan dan pengemasan stik umbi keladi, serta pelatihan pemasaran produk secara konvensional dan digital. Hasil kegiatan menunjukkan adanya peningkatan pengetahuan dan keterampilan peserta dalam mengolah umbi keladi menjadi stik yang renyah, higienis, dan layak jual. Selain itu, peserta juga memahami teknik pengemasan yang menarik serta strategi pemasaran berbasis media sosial. Tingginya partisipasi dan antusiasme peserta menjadi indikator keberhasilan kegiatan ini. Program ini memberikan kontribusi dalam membuka peluang usaha baru, meningkatkan nilai tambah komoditas lokal, serta mendorong kemandirian ekonomi keluarga secara berkelanjutan
Popia Pisang Cokelat: Inovasi Camilan Kekinian Berbasis Pangan Lokal untuk Meningkatkan Nilai Ekonomis Produk Olahan Pisang Wahyu Muh. Syata; Muhammad Juwantho Lewa; Murni Nia; Murniati Murniati; Jumatin Jumatin; Hasniah Hasniah; Fitra Ramadani; A. Amaliah
Indonesia Berdampak: Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 1 (2026): JANUARI-JUNI 2026
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/1f9qwe72

Abstract

he shifting lifestyle of students towards practical and instant snacks often neglects nutritional aspects. This community service activity aims to create an innovative, healthy, and economically valuable banana-based snack called "Popia Pisang" (banana-chocolate spring roll) and to analyze its production process and market potential. The activity was conducted in April 2026 using a structured three-stage method: preparation, production (including banana processing, chocolate melting, filling mixing, wrapping, and storage), and frying/presentation. The results showed that the team successfully produced 30–40 Popia Pisang units in both ready-to-eat and frozen forms. Key technical challenges such as banana oxidation were effectively prevented using lime water, while the addition of cornstarch and cooling of the filling improved dough stability and prevented spring roll wrapper damage. The product achieved a crispy texture with a soft filling, receiving positive preferences from students. Economically, Popia Pisang generates a value-added of approximately 40–50% of production costs, which is competitive compared to other processed banana products (30–45%). The use of local ingredients like Raja banana and premium melted chocolate provided a distinctive taste and melted texture. In conclusion, Popia Pisang has significant potential as a sustainable food business based on local resources, contributing to community empowerment and economic improvement.
Analisis Peluang Usaha, Perilaku Konsumen, dan Strategi Pemasaran Digital pada UMKM Minuman Kekinian Murniati Murniati; Wahyu Muh. Syata; Selvia Amelda
Almawarid: Journal of Management and Business Sciences Vol. 2 No. 2 (2026)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/almawarid.v2i2.45

Abstract

Usaha minuman kekinian merupakan salah satu sektor Usaha Mikro, Kecil, dan Menengah (UMKM) yang berkembang pesat, khususnya di lingkungan kampus yang dipadati mahasiswa sebagai konsumen potensial. Penelitian ini bertujuan menganalisis peluang usaha, faktor keputusan pembelian konsumen, strategi pemasaran, persaingan dan keunggulan kompetitif, inovasi produk, serta peluang pengembangan UMKM minuman kekinian di sekitar Universitas Halu Oleo, Kota Kendari. Penelitian menggunakan pendekatan kualitatif deskriptif dengan metode studi kasus pada tiga pelaku usaha, yaitu Makaraja, Es Teh Anas, dan Thai Smoothies. Data dikumpulkan melalui observasi, wawancara semi-terstruktur terhadap tiga pemilik usaha, serta penyebaran kuesioner kepada lima belas konsumen. Analisis data dilakukan secara deskriptif kualitatif dengan teknik reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa rasa dan harga merupakan faktor paling dominan dalam keputusan pembelian mahasiswa, dengan rentang harga ideal Rp10.000-Rp15.000 per porsi. Strategi pemasaran digital melalui Instagram, TikTok, dan WhatsApp terbukti efektif memperluas jangkauan pasar, sementara strategi word of mouth tetap relevan bagi usaha dengan keterbatasan literasi digital. Keunggulan kompetitif ketiga usaha bertumpu pada diferensiasi produk, harga bersaing, kualitas pelayanan, dan inovasi berkelanjutan, sebagaimana tampak pada rebranding Thai Smoothies. Lingkungan kampus terbukti menjadi pasar potensial yang menjanjikan bagi pengembangan usaha mahasiswa. Penelitian ini menyimpulkan bahwa keberhasilan UMKM minuman kekinian ditentukan oleh keterpaduan kualitas produk, kesesuaian harga, pelayanan, lokasi strategis, dan strategi pemasaran adaptif yang mampu menjawab dinamika perilaku konsumen muda.
Co-Authors A. Amaliah Abdul Rachman Rika Asriyani Mulia Basri Fitra Ramadani Hasniah Hasniah Juli Regina Jumatin Jumatin LA TAENA Muhammad Juwantho Lewa Muliha Halim Murni Nia Nurmaela Nurmaela Selvia Amelda Wahyu Muh Syahta Wahyu Muh Syata Yuli Regina Tasman Yuniyarti Ahiri Yuyun Saputri