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All Journal AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah Jurnal Manajemen
Erlin Wijaya
Universitas PGRI Wiranegara
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Strategi Penguatan Daya Saing Usaha Mikro Sektor Kreatif melalui Integrasi Penilaian Kinerja Finansial dan Non-Finansial: Studi Kasus Bucket Nessflower Nimatul Izzah; Ni'ma Kamalia; Erlin Wijaya; Juhari Effendi Saputra
MAMEN: Jurnal Manajemen Vol. 5 No. 1 (2026): Januari 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/mamen.v5i1.7474

Abstract

This study aims to analyze the performance evaluation of the micro business Bucket Nessflower in Pasuruan City using the Balanced Scorecard (BSC) and Resource-Based View (RBV) approaches. This florist business represents a rapidly growing creative sector among young entrepreneurs but still faces challenges in financial literacy and managerial capabilities. The research employed a qualitative method through literature studies and in-depth interviews using a purposive sampling technique to obtain relevant empirical data. The results show that Bucket Nessflower excels in product innovation and digital marketing strategies, which effectively enhance customer loyalty and expand market reach. However, its main weakness lies in the manual financial recording system, which limits operational efficiency and data-driven decision-making. Through the application of the BSC framework, it was found that business performance needs improvement, particularly in the financial and learning perspectives, to achieve long-term sustainability. In conclusion, the integration of financial literacy, digitalization, and innovation serves as a key factor in building sustainable competitive advantage for micro creative enterprises in the digital economy era.
Prinsip-Prinsip Akad Tijarah Dalam Jual Beli dan Penerapannya Pada Pasar Modern Ayunda Hanum Firdausi; Erlin Wijaya; Ibrizul Bahiroh; Juhari Effendi Saputra; Hamid Khoirulloh
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Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almultazim.v6i1.27374

Abstract

Penelitian ini menganalisis prinsip-prinsip dasar akad tijarah dalam transaksi komersial Islam serta relevansinya terhadap praktik pasar modern. Dengan menggunakan metode kualitatif dan pendekatan studi pustaka digital, penelitian ini meninjau berbagai sumber akademik daring serta diskusi kontemporer mengenai ekonomi Islam. Hasil penelitian menunjukkan bahwa akad tijarah didasarkan pada prinsip-prinsip utama seperti kejelasan manfaat, transparansi imbalan, kerelaan kedua pihak, keadilan, dan pertanggungjawaban. Prinsip-prinsip tersebut selaras dengan praktik ekonomi modern yang lebih menekankan akses manfaat daripada kepemilikan, termasuk layanan sewa, sistem leasing, platform digital, dan model berlangganan. Penelitian ini juga mengidentifikasi beberapa tantangan dalam penerapan tijarah kontemporer, seperti ketidakjelasan syarat digital, biaya tersembunyi, perpanjangan otomatis, serta perbedaan antara manfaat yang dijanjikan dan yang diterima pengguna. Meskipun demikian, penelitian menyimpulkan bahwa tijarah tetap menjadi model akad yang relevan, fleksibel, dan sesuai dengan prinsip syariah, serta mampu mendukung aktivitas ekonomi modern yang etis dan efisien.
Co-Authors Ayunda Hanum Firdausi Hamid Khoirulloh Ibrizul Bahiroh Juhari Effendi Saputra Ni'ma Kamalia Nimatul Izzah