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SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam
Published by Lembaga Pengembangan Manajemen dan Publkasi Imperium
ISSN : -     EISSN : 26859904     DOI : -
Core Subject : Religion, Economy, Science,
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
AIMS AND SCOPE The aim of the Jurnal is to provide high-quality scientific papers covering the current issues within Islamic economics and finance. The journal is designed to provide a platform for researchers, academicians, and practitioners who are interested in new knowledge and discussing ideas, issues, and challenges in the field of Islamic economics and finance. The coverage includes but is not limited to: Islamic finance (Fundamentals, trends and opportunities in Islamic Finance, Islamic banking and financial markets, Risk management, Corporate finance, Investment strategy, Islamic social finance, Financial Planning, Housing finance, Legal and regulatory issues, Islamic microfinance); Islamic management (Corporate governance, Customer relationship management, and service quality, Business ethics and corporate social responsibility, Management styles and strategies in Shariah environments, Labour and welfare economics, Political economy, and such other topics as the Editors may deem appropriate). Articles need to make a significant contribution to the theoretical and /or methodological literature on the subject and contain a strong strategic management component.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 137 Documents
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Analysis of the application of Sharia principles in student savings products Erlina, Erlina; Yanti, Nursantri; Harianto, Budi
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1441

Abstract

This research aims to determine the application of Sharia principles to student savings at Bank Syariah Indonesia KCP Simpang Limun and to explain the application of the contracts used in student savings. This research includes field research with a qualitative approach. In terms of its nature, the research is descriptive and analytical. Data was obtained using primary and secondary data by taking samples from staff employees of Bank Syariah, which were taken from interviews regarding student savings. The research results show that Islamic Sharia has implemented student savings at this bank. However, the bank still needs to carry out a less active and effective level of promotion, so student savings are still relatively low. Bank staff must strive for more active and effective marketing in increasing awareness about the benefits of student savings products to encourage more potential customers. Public interest statements As banks adopt these strategies to improve customer satisfaction, the public can expect increased competition in the banking sector. This competition may lead to better services, lower fees, and more innovative products, benefiting consumers. Article Info: Received 6/13/2024 | Revised: 9/28/2024 | Accepted: 9/23/2024 | Online First 9/29/2024
Risk management strategy for iB KPR financing in Islamic bank Rahmadayana, Rizka Dwi; Harahap, Muhammad Ikhsan; Irham, Mawaddah
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1442

Abstract

This research analyzes the risk management strategies employed in the iB Syariah Tapak KPR financing to understand how the bank aims to minimize the risks associated with high non-performing financing. The study uses a descriptive qualitative research methodology to gather data through various techniques, including observation, interviews, and case studies for primary data. In contrast, secondary data is sourced from literature such as books and journals. The findings reveal that the rise in non-performing financing is attributed to several factors, including economic conditions, the capacity of debtors, force majeure events, and the character of customers. PT Bank Sumut KCP Syariah Karya has developed a comprehensive risk management strategy in response to these challenges. This strategy includes blocking installment funds for 12 months, offering buy-back guarantees, and providing customer insurance to mitigate risks. Public interest statements As banks adopt these strategies to improve customer satisfaction, the public can expect increased competition in the banking sector. This competition may lead to better services, lower fees, and more innovative products, benefiting consumers. Article Info: Received 6/10/2024 | Revised: 9/27/2024 | Accepted: 9/23/2024 |Online First 9/27/2024
Analysis of community economic empowerment from the perspective of Islamic economics: Case study of rice farmers of Siundol Padang Lawas Nasution, Arifah; Arif, Muhammad; Daulay, Aqwa Naser
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1445

Abstract

This research analyzes community economic empowerment from an Islamic economic perspective, focusing on the case study of Siundol rice field farmers in Padang Lawas. Utilizing a qualitative method with a case study approach, data was collected through interviews, observations, and documentation. The findings indicate that the economic empowerment of the Siundol rice farming community in Padang Lawas is not yet optimal, primarily due to several factors: limited access to capital, low levels of education and skills, minimal access to information and technology, weak farmer institutions, and insufficient government involvement in empowering the community's economy. From an Islamic economic perspective, community economic empowerment should adhere to the principles of Islamic sharia, which include justice, balance, togetherness, and sustainability. Public interest statements Several steps are recommended to enhance the economic empowerment of the Siundol rice farming community: increasing access to capital through sharia-compliant financing, providing education and training for farmers, improving access to information and technology, strengthening farmer institutions, and enhancing the government's role in community economic empowerment Article Info: Received 6/10/2024 | Revised: 9/27/2024 | Accepted: 9/23/2024 | Online First 9/27/2024
The role of Baitul Maal in improving community welfare through business capital assistance Ulfa, Nadia; Harahap, Isnaini
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1446

Abstract

This research aims to examine the role of Baitul Maal in enhancing community welfare through business capital assistance, focusing on MSMEs in Aceh Singkil. Employing a descriptive qualitative research design, the study used interviews to gather relevant stakeholder insights. The findings indicate that Baitul Maal in Aceh Singkil has significantly improved community welfare by providing essential business capital assistance to MSMEs. The study identifies various disbursement processes and specific requirements that potential beneficiaries, referred to as mustahik, must meet to qualify for assistance. The findings can guide policymakers in creating a supportive environment for MSMEs, ultimately fostering economic growth and community welfare. By enhancing the operational framework of Baitul Maal, this research contributes to the broader discourse on effective community empowerment strategies through Islamic financial institutions. Public interest statements The insights gained from this research have several practical implications. First, they highlight the importance of streamlining the disbursement processes to ensure timely and efficient access to capital for MSMEs. Second, the identification of specific requirements for mustahik can inform Baitul Maal and other stakeholders in developing targeted outreach and support programs to serve eligible beneficiaries better. Article Info: Received 7/9/2024 | Revised: 9/18/2024 | Accepted: 9/23/2024 | Online First 9/30/2024
The Influence of halal lifestyle and digital technology on gen Z's decision to use Islamic Banking services Mingka, Asrawi Fahmi; Syahriza, Rahmi; Syakir, Ahmad
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1447

Abstract

The role of financial institutions in developing the community's economy, particularly within the Sharia economy, is continually evolving to address the opportunities and challenges presented by the digital financial era. Financial institutions must strengthen their operations and services to enhance their contributions to the Sharia economy. In this context, students are encouraged to actively save at Islamic banks, as doing so represents an effective approach to financial management. This research employs a quantitative method, utilizing questionnaires distributed to students from the Faculty of Islamic Economics and Business at UINSU for data collection. The results indicate that the trend towards a halal lifestyle, along with advancements in digital technology, significantly influences the decisions of Generation Z students to utilize Islamic banking services. Public interest statements The findings of this study suggest that the growing interest of Generation Z in Islamic banking, driven by their commitment to a halal lifestyle and the influence of digital technology, presents a significant opportunity for the growth of the Islamic economy in Indonesia. Article Info: Received 7/24/2024 | Revised: 9/18/2024 | Accepted: 9/23/2024 | Online First 9/30/2024
The influence of social media, digitalization, and financial literacy on generation Z's investment decision Daulay, Muthia Aulia Azhari; Marliyah, Marliyah; Silalahi, Purnama Ramadani
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 7 No 1 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i1.1449

Abstract

The study aimed to understand how social media, digitalization, and financial literacy influence Sharia stock investment decisions among Generation Z. As Gen Z becomes more predominant, it presents both opportunities and challenges for transforming the digital landscape, particularly in terms of financial literacy and the distribution of products and services in the Sharia stock market. Data was collected through questionnaires distributed to 100 selected respondents using purposive sampling. A quantitative method was employed, utilizing the Structural Equation Model (SEM) with the Smart PLS application for analysis. The findings revealed that social media and digitalization significantly and positively influenced Sharia stock investment decisions among Generation Z. However, the financial literacy did not show a significant impact. Public interest statements The positive impact of social media and digitalization on investment decisions indicates that financial institutions and Sharia-compliant stock market participants should leverage these platforms to connect with Generation Z. Note: Early Version articles are published as standalone pieces and will later be compiled into issues prior to print publication. These Early Version articles will not appear in journal keyword searches, will not be included in article searches, and will not receive a DOI (Digital Object Identifier) until they are officially published in an issue.
Herding behavior analysis of Jakarta Islamic Index 2019-2024 Delima, Bella; Sugianto, Sugianto; Bi Rahmani, Nur Ahmadi Bi Rahmani Ahmadi
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 7 No 1 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i1.1454

Abstract

The number of new investors on the Indonesia Stock Exchange has steadily increased in the past five years. However, both literacy and inclusion levels remain very low. This raises concerns about herding behavior in the stock market, leading to market prices not accurately reflecting true value. The author employs the CSAD method, utilizing variables such as market return (Rmt), CSAD, and Rm,t2, followed by a regression analysis. The data processing is carried out using EViews software, version 13, to enhance the accuracy and reliability of the research outcomes. The findings indicate significant herding activity among stocks indexed in the Indonesian JII from 2019 to 2024. From an Islamic perspective, natural herding behavior can be seen as a normal reaction due to market psychology. However, when herding is driven by deliberate manipulation—such as acts of Najsy or Ghisysy, which arise from misleading information, price manipulation, or non-transparent activities like pump and dump or hype and dump—it constitutes a violation of ethical standards and fair market principles, rendering it illegal. Public interest statements The findings emphasize the necessity for clear ethical guidelines for investors and market participants. Creating a code of conduct that prioritizes ethical trading practices can help reduce the risks tied to herding behavior and foster a fairer market environment. Note: Early Version articles are published as standalone pieces and will later be compiled into issues prior to print publication. These Early Version articles will not appear in journal keyword searches, will not be included in article searches, and will not receive a DOI (Digital Object Identifier) until they are officially published in an issue.
Effect of patient-centered care implementation and quality of service on patient satisfaction Wahyuni, Sri; Nurlaila, Nurlaila; Daulay, Aqwa Naser
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 7 No 1 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i1.1456

Abstract

This study aims to determine how implementing patient-centered care and service quality affects patient satisfaction at MM Hospital in Medan. This study utilizes a quantitative research methodology, employing multiple linear regression analysis. All statistical tests were conducted using SPSS version 25 software. The study's population includes patients at MM Hospital in Medan in 2024. Primary data was gathered through questionnaires distributed to 100 hospital patients. Additionally, secondary data was collected from journals, books, and previous research relevant to the topic. The findings indicate that implementing patient-centered care does not significantly affect patient satisfaction; however, implementing service quality has a significant impact on patient satisfaction. This research provides practical insights, helping hospitals assess patient satisfaction levels during each visit to MM Hospital. Public interest statements Recognizing the crucial role of service quality in patient satisfaction, the hospital should focus on enhancing service quality in all departments. This improvement can involve training staff in effective communication, responsiveness, and empathy, ensuring patients feel valued and cared for during their visits. Note: Early Version articles are published as standalone pieces and will later be compiled into issues prior to print publication. These Early Version articles will not appear in journal keyword searches, will not be included in article searches, and will not receive a DOI (Digital Object Identifier) until they are officially published in an issue.
The effect of foreign investment, domestic capital investment, sharia investment, and population as drivers of Indonesia's economic growth Primastuty, Pinny; Harahap, Isnaini; Harahap, Muhammad Ikhsan
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 7 No 1 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i1.1458

Abstract

Economic development improves human resources, public welfare, and national equality. Investment sustains economic development. According to the Harrod-Domar hypothesis, investment increases productivity and economic development. This research seeks to confirm this. The researcher also adopts Umar Chapra's ideas. His views combine Islam with morals to build a healthy economy. Using quantitative methods, this study includes FDI, domestic investment, Islamic investment, population, and GDP as fundamental and related variables. The analysis found that FDI and DCI are the independent variables affecting Indonesia's economic progress. Building a company requires much cash, so Indonesia needs both to strengthen its economy. Islamic investment is still low, and Indonesia's large population has not been well controlled, causing unemployment, low education levels, many health problems, and other problems that hinder economic growth. Public interest statements This analysis found that FDI and DCI are the independent variables affecting Indonesia's economic progress. Building a firm requires a lot of cash, so Indonesia needs both to strengthen its economy. Islamic investment is still low, and Indonesia's large population has not been properly controlled, causing unemployment, low education levels, many health problems, and others that hinder economic growth. Note: Early Version articles are published as standalone pieces and will later be compiled into issues prior to print publication. These Early Version articles will not appear in journal keyword searches, will not be included in article searches, and will not receive a DOI (Digital Object Identifier) until they are officially published in an issue.
Improving the sustainability of culinary MSMEs through e-commerce and capital management according to Islamic principles Mais, Rimi Gusliana; Hidayat, Firman; Wulaningsih, Ririn Widyastuti; Prihatna, Nandang; Wulandari, Winda
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1463

Abstract

This study investigates the effectiveness of e-commerce in improving the performance of culinary micro, small, and medium enterprises (MSMEs) while addressing the technical challenges of using digital platforms. This study also explores how business owners manage their capital using Islamic principles and assesses their understanding and application of Islamic values in daily operations. Using a descriptive qualitative approach, data were gathered through observations, interviews, and documentation from culinary MSMEs in Setiamulya Village, Tarumajaya District, Bekasi, Indonesia. Informants were chosen to promote participatory observation and facilitate open communication. The findings reveal that while e-commerce presents significant benefits, several technical challenges—such as high advertising costs, missed notifications, and delivery issues—hinder its effectiveness. Most business owners diligently avoid interest-based loans in line with Islamic teachings; however, their understanding of riba (usury) is often incomplete. Although there are efforts to adhere to Islamic principles, there remains considerable room for improvement in their application. Public interest statement A stronger understanding of Islamic finance principles is also necessary to promote business sustainability. This study builds on previous research by highlighting the sustainability of culinary MSMEs from an Islamic perspective.

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