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Muhammad Muhajir Aminy
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Journal of Enterprise and Development (JED)
Published by Universitas Islam Negeri Mataram
ISSN : 27153118     EISSN : 26858258     DOI : https://doi.org/10.20414/jed
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Enterprise and Development (JED) (p-ISSN: 2715-3118/ e-ISSN: 2685-8258) is an international peer-reviewed journal that publishes high-quality research in economics, finance, management, entrepreneurship, and tourism, with a particular focus on enterprise development, innovation, public policy, and sustainable economic development. The journal promotes theoretically grounded, methodologically rigorous, and policy-relevant scholarship that contributes to academic debate and practical understanding of development issues in both emerging and developed economies.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 261 Documents
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COMPARISON OF THE AUCTION PROCESS FOR COLLATERAL AT BNI SHARIA AND BNI BRANCH OF PONTIANAK Eko Bahtiar
Journal of Enterprise and Development (JED) Vol. 3 No. 1 (2021): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v3i01.3198

Abstract

The purpose of this research is to reveal: The Mechanism of the Implementation Process of Collateral Auction at Bank BNI Syariah Pontianak Branch and Comparison of he Implementation Process of Collateral Auction at Bank BNI Syariah and Bank BNI Branch of Pontianak. This research uses qualitative research in which data is obtained from PT. BNI Tbk Pontianak Branch, the Pontianak Branch of the BNI Syariah bank and the Pontianak State Wealth and Auction Service Office (KPKNL). Meanwhile, secondary sources are documents and data at PT. BNI Tbk Pontianak Branch, Bank BNI Syariah Pontianak Branch and Pontianak State Wealth and Auction Service Office (KPKNL). Based on the analysis conducted, the researchers concluded that the differences in the auction process at BNI and BNI Syariah banks, in general, have similarities, such as a listing of collateral auctions at the State Wealth and Auction Service Office (KPKNL), announcement 1 (one) time, announcement II (two) in mass media, auctions, the winner with the highest bid price, after the auction is held, the proceeds from the sale of collateralwill be paid to pay off the debt. If the proceeds from the sale of collateral are less than the total debt of the customer, the bank will collect until the debt is paid off, on the other hand, if the sale of collateral is more than the total debt of the customer, the bank is obliged to collect it. return the auction results to the customer, this is done by all banks, both Islamic banks, and banks. conventional. As for what distinguishes between BNI and BNI Syariah banks, there are 2, namely the first process before submitting the auction, namely the BNI Syariah bank there are more warning periods and the persuasion approach period is more widely applied in the BNI Syariah bank, as well as the eggs higher. Second, the process of resistance or lawsuits for the auction, which is when there is a problem between the bank and the debtor orcustomer refusal when there is dissatisfaction with the auction results.
RISK ANTICIPATION OF THE MUDHARABAH FINANCING (CASE STUDY IN THE CIMB NIAGA SYARIAH BANK AT MATARAM BRANCH) Nurul Susianti
Journal of Enterprise and Development (JED) Vol. 3 No. 1 (2021): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v3i01.3268

Abstract

This study analyzes the risk anticipation on the mudharabah funding in Nusa Tenggara banks, namely CIMB Niaga Syariah. Unlike the other sharia banks, this bank does not apply mudharabah financing in their services. This analysis uses data collection methods and data analysis techniques using descriptive qualitative research with interview respondents. The respondents were the director of the CIMB Niaga Syariah bank and the direct financing division. Based on the result obtained from interviews and documentation, it shows that the reasons and considerations of the bank not to apply risk anticipation and mudharabah financing are as follows: side streaming, intentional negligence/mistake, and concealment of profits, the funds to be distributed by the bank in the form of mudharabah financing fund from third parties or funds from depositors.
PREFERENCES OF USING QUICK RESPONSE CODE INDONESIAN STANDARD (QRIS) AMONG STUDENTS AS A MEANS OF DIGITAL PAYMENT Yudistira Andi Permadi; Angestika Wilandari
Journal of Enterprise and Development (JED) Vol. 3 No. 1 (2021): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v3i01.3285

Abstract

QRIS is a digital payment instrument that has provided positive signals since it was launched. It is known that the demographics of QRIS users are quite diverse, including students. This study aims to determine students' preferences in Jabodetabek in using QRIS as a means of digital payment. Preference or interest in using QRIS that arises in this study is measured using the following four characteristics: 1) Easiness Characteristic; 2)Usefulness Characteristic; 3) Risk Characteristic, and 4) Trust Characteristic. The research results by distributing questionnaires conducted showed that of 154 respondents, the majority felt the easiness and benefits of the QRIS. However, even though it is easy and useful, respondents are still cautious and show a lack of trust in using QRIS because it is considered quite risky.
MONETARY POLICY AND ISLAMIC BANK STABILITY IN INDONESIA Imronjana Syapriatama; Intan Kusuma Pratiwi
Journal of Enterprise and Development (JED) Vol. 3 No. 1 (2021): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v3i01.3367

Abstract

The purpose of this paper is to examine the role of monetary policy to Islamic Bank Stability in Indonesia from January 2007 to December 2020. The policy is presented by Bank Indonesia 7DRR while Islamic Bank Stability uses Islamic Bank Z-score. This paper also employs several variables as control variable in order to manage effectiveness of the model. This paper uses Autoregressive Distributed Lag method (ARDL) in order to investigate the long run and short run effect between selected variables. The results reveal that the policy does not affect the Islamic Bank Stability in the long run. It only affects the Stability in the short run. The result also implies that tightening policy is responded by Islamic Bank Stability based on the financial environment.
Effect of service quality PT. Cross Marga Sedaya on consumer satisfaction in use e-toll card on Cipali toll road Endah Budiastuti; Nindiya Agustin
Journal of Enterprise and Development (JED) Vol. 3 No. 2 (2021): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v3i2.3841

Abstract

This research is motivated by the finding when the toll gates on the Cipali toll road do not provide transaction service satisfaction and services that are not in accordance with customer expectations such as the availability of substations at the gate which in reality cannot meet the surge in customers, especially during working hours and on holidays. In addition, the availability of ramps is also not proportional to the number of vehicles exiting the Cipali toll gate. This shows that there are problems regarding transaction services which have implications for the low transaction speed of toll road customers. To test these variables, researchers used hypothesis testing using simple regression and quantitative methods using correlational techniques. The data analysis technique uses a simple regression technique. The results showed that the influence of PT.Lintas Marga Sedaya's service quality on consumer satisfaction in using the E-Toll Card on the Cipali toll road was in the very strong category. This is based on the value of rcount = 0.937 which is in the correlation interval 0.800–1,000 with a very strong category. In order to determine the significance level at = 0.05 (5%) the value of tcount = 26,216 and ttable = 1.66105. Thus, tcount > ttable, which means that there is a significant effect between variable X on variable Y, where the contribution of service quality to satisfaction is large. consumers by 87.9% and the remaining 12.1% is influenced by other factors not examined in this study.
COVID-19: the economic collapse in India Rakhi Arora; Sonal Purohit; Shikha Agarwal
Journal of Enterprise and Development (JED) Vol. 3 No. 2 (2021): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v3i2.3850

Abstract

COVID-19 has upended societies and dramatically altered everyday life across the globe. The outbreak of COVID-19 in different parts of the world is a major concern for all the administrative units of respective countries. India is also facing this very tough task of spreading virus. COVID-19 impacts have been outlined and clarified in depth in this study. It has been explored that how corona virus, originated in Wuhan, China has resulted in economic collapse in India affecting the individual lives and business firms, in fact every sector of the country, due to which economic growth of every country in the world is hampered. This has been explained by reviewing the facts and information taken from secondary sources. The responsible factors for economic disruption have also been stated in this study with the economic outlook of Indian economy.
The influence of interests, attitudes, and knowledge on entrepreneurial skills of Hamzanwadi University students Muhammad Ali; Nurji Nurji
Journal of Enterprise and Development (JED) Vol. 3 No. 2 (2021): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v3i2.3865

Abstract

The purpose of this study was to examine the effect of interests, attitudes, and knowledge on the entrepreneurial skills of Hamzanwadi University students. The analysis technique used in this research is Structural Equation Modeling (SEM) analysis, using a saturated sample, that is, the number of population is equal to the number of samples. The results of this study indicate that the interest variable has no significant effect on entrepreneurship skills seen from the observation t value (0.032) < t-table (1.98), then the attitude variable has a significant effect on entrepreneurship skills because the observation t value (0.232)> t-table (1.98), and the knowledge variable has a significant effect on entrepreneurial skills as seen from the observation t value of (0.267)> t-table (1.98).
Exploring the interaction of trade openness, income inequality, and poverty in Nigeria Olukayode Emmanuel Maku; Jimoh Sina Ogede; Oluwaseyi Adedayo Adelowokan; Bamidele Olaitan Oshinowo
Journal of Enterprise and Development (JED) Vol. 3 No. 2 (2021): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v3i2.3966

Abstract

The literature on the nexus between trade openness, income inequality and poverty appears conspicuously and of diverse outcomes. Perhaps, the mixed findings may be attributed to the methodology and economic structure of the country in view. The current study examines the trade openness on income inequality and poverty in Nigeria between 1981 and 2019 using Autoregressive Distributed Lags (ARDL) methodology. Our findings show that trade openness had different effects on inequality and poverty in Nigeria in the short and long run. While its relationship with inequality is a short-run phenomenon, it had a long-run relationship with poverty. Overall, trade openness had a declining effect on inequality and poverty. In the former, its impact was not statistically significant. However, the gains of trade openness on inequality and poverty were reversed when inequality influenced trade openness. In essence, with the influence of inequality, trade openness had an increasing effect on poverty. As a result, this study makes several recommendations to policymakers. To begin, a policy framework must be established to ensure that Nigerian trade is integrated with the rest of the world. Evidence from this study has suggested that policies such as restricting trade through border closures must not feature as a policy option as long as one of the goals of the economy is poverty reduction and reduction in inequality.
Retracted
Journal of Enterprise and Development (JED) Vol. 3 No. 2 (2021): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The article was retracted due to multiple publications
Social media effects on perceptions of graduate students' entrepreneurial intentions Ifrah Laiq
Journal of Enterprise and Development (JED) Vol. 3 No. 2 (2021): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v3i2.4123

Abstract

The main purpose of this research is to study the impact of perceived desirability and perceived feasibility on entrepreneurial intentions and also identify the difference in intentions of gender and the moderating impact of social media. For this quantitative research, a study survey was conducted in March 2021 in the universities of Pakistan. The target sample for the study was 500 including both male and female graduate students. The results of the study reveal the positive impact of perceived desirability and feasibility on entrepreneurial intentions. Both males and females are ambitious to start their own entrepreneurial ventures but there is a difference in intentions and the direct influence of social media is identified. The study is limited by its cross-sectional data and it is difficult to inspect the business intentions because such intentions are developed inside the people’s minds. It holds important implications for policymakers and educators to enhance self-efficacy and outcome expectations. The research took all three approaches of entrepreneurship into account for exploring the positive relation between perceptions and entrepreneurial intentions. By incorporation of social media variables into the study framework, it focuses on issues not presently discussed in the entrepreneurial literature. For future research, the study would suggest exploring the moderating role of other sociological and personal characteristics. The attitude of both genders toward entrepreneurship has remarkably changed and this independency because of social media can give them a better understanding of the practical world.

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