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Income: Innovation Of Economics And Management
Published by Universitas KH. A. Wahab Hasbullah
ISSN : -     EISSN : 27970450     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
INCOME: Innovation of Economics and Management is a scientific journal published by the Institute for Research and Community Service (LPPM), KH University. A. Wahab Hasbullah Jombang. INCOME: Innovation of Economics and Management aims to provide information from the results of research in the field of management and development. The Scope of our journal includes: (1) marketing management, (2) human resources management, (3) financial management, (4) operational management, (5) strategic management (6) entrepreneurship.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 3 Documents
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Search results for , issue "Vol. 5 No. 2 (2025): October" : 3 Documents clear
Strategy to Optimize Sharia Financial Management as an Instrument to Improve the Performance of Halal MSMEs in West Sumatra Efendi, Erizal Candra; Mustika, Ruri
INCOME: Innovation of Economics and Management Vol. 5 No. 2 (2025): October
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/income.v5i2.6295

Abstract

This study examines the optimization of sharia financial management as a strategy to enhance the performance of halal small and medium enterprises in West Sumatra. The background of the research is the limited financial literacy, low utilization of formal sharia financing products, and lack of standardized financial reporting among halal SMEs, which hinder their growth and competitiveness. The study aims to analyze how financial literacy, financing utilization, and transparency in reporting contribute to improving operational efficiency and compliance with sharia principles. The research employs a qualitative descriptive approach, using data collected through interviews, observations, and documentation from halal SMEs in West Sumatra. The findings reveal that financial literacy serves as the foundation for effective management, enabling SME owners to understand and utilize sharia-compliant financing. The utilization of formal sharia financing is still low, and standardized reporting is maintained by only a small portion of SMEs, limiting both internal management and access to external funding. The study also finds that integrating literacy, financing access, and transparent reporting creates a synergistic effect that significantly enhances performance, operational efficiency, and stakeholder trust. The conclusions indicate that optimizing sharia financial management is essential for promoting sustainable growth, compliance with sharia principles, and long-term viability of halal SMEs in West Sumatra. This research provides practical implications for policymakers, financial institutions, and SME support agencies to design targeted interventions that improve literacy, facilitate financing access, and implement transparent reporting systems.
Online Marketing Communication Strategy on Purchase Decisions of Dexskin Skincare Products via Instagram in Tangerang Wahyuni, Mega Sri; Zaman, Komarun; Anisa, Nur Aini
INCOME: Innovation of Economics and Management Vol. 5 No. 2 (2025): October
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/income.v5i2.6312

Abstract

This study explores the online marketing communication strategy of Dexskin by Derma Express through Instagram in influencing consumer purchasing decisions in Tangerang. The research is motivated by the rapid growth of Indonesia’s skincare industry and the increasing demand for transparency, credibility, and educational value in brand communication. Using a qualitative descriptive approach, data were collected through observation, interviews with ten informants, and documentation of Dexskin’s Instagram marketing activities conducted between January and April 2025. The analysis draws on the STP (Segmentation, Targeting, Positioning) and AIDA (Attention, Interest, Desire, Action) frameworks to examine how Dexskin integrates educational content, visual storytelling, and collaborations with influencers and dermatologists. The findings indicate that Dexskin’s hybrid strategy—combining medical credibility and influencer relatability—tends to enhance consumer engagement, trust, and purchase intention. Educational posts foster interest and credibility, while influencer collaborations attract attention and emotional resonance. However, given the qualitative and context-specific nature of this study, the results should be viewed as exploratory rather than conclusive. Limitations include the small sample size and focus on one geographic area (Tangerang). Future research is encouraged to adopt mixed or comparative methods across multiple platforms and regions to validate and extend these insights.
Application of SNI ISO 31000:2018 For Mitigating Problematic Murabahah Financing: A Case Study at BSI Lubuk Sikaping Sania, Rahmayani; Elvira, Rini; Gusrianti, Gusrianti; Imamuddin, Imamuddin
INCOME: Innovation of Economics and Management Vol. 5 No. 2 (2025): October
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/income.v5i2.6401

Abstract

 This study aims to formulate a risk management strategy based on SNI ISO 31000:2018 to reduce the number of problematic murabahah financing. The research method used is qualitative with a field research approach. Data collection techniques are carried out through observation, structured interviews, and literature studies. The main informants in this study are the branch managers and the financing risk management department at BSI KCP Lubuk Sikaping. Data were analyzed using a SWOT approach through the IFE (Internal Factor Evaluation) and EFE (External Factor Evaluation) matrices. The results show that BSI KCP Lubuk Sikaping is in quadrant I with an IFE (Internal Factor Evaluation) value of 3.41 and an EFE (External Factor Evaluation) of 3.02, resulting in an SO strategy score of 5.15, the highest compared to other strategies. This indicates that the combination of strengths and opportunities strongly supports an aggressive strategy. The five most relevant SO strategies formulated include: (1) Development of Sharia Financing Products for MSMEs; (2) Digitalization of Risk Management Systems to Support Regional Expansion; (3) Customer-Based Sharia Financial Literacy Program; (4) Improving HR Competence and Accountability in Risk Management; and (5) Strengthening SOPs and Risk Governance Based on SNI ISO 31000:2018. These strategies are expected to reduce the NPF ratio and improve the quality of the murabahah financing portfolio at BSI KCP Lubuk Sikaping.

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