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Ach. Yasin
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INDONESIA
Jurnal Ekonomika dan Bisnis Islam
Published by Universitas Negeri Surabaya
ISSN : -     EISSN : 2686620X     DOI : https://doi.org/10.26740/jekobi
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ekonomika dan Bisnis Islam mencakup studi ilmu Ekonomi Islam yang terdiri dari: Ekonomi dan Bisnis Islam Kewirausahaan Islam Zakat dan Wakaf Akuntasni Syariah Keuangan dan Perbankan Syariah
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 15 Documents
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Search results for , issue "Vol 8 No 1 (2025): April" : 15 Documents clear
PERAN HOME INDUSTRY KRECEK DALAM MENINGKATKAN KEMANDIRIAN EKONOMI PEKERJA PEREMPUAN KABUPATEN KEDIRI Nur Puspita Sari, Fadia Rizky; Suryaningsih, Sri Abidah
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p92-101

Abstract

Home industry has an important role in boosting the country's economy. It helps improve the community's economy by creating jobs and increasing people's income. This research aims to analyze the role of the krecek home industry in increasing the economic independence of female workers and to analyze the economic independence of female workers who work in the krecek industry. This research is qualitative research with a descriptive approach which is analyzed using data reduction and based on technical triangulation as a test of data validity. The results of this research show that the krecek home industry has a role in increasing the economic independence of female workers. This can be seen from the increase in income and economy experienced by female workers and they become more responsible and have initiative when solving problems they experience. In terms of economic independence, female workers here cannot yet be called completely financially independent, this is because they are still dependent on consumer debt, do not understand cash flow management, do not have investments because the wages they are given are still not fully sufficient for their needs.
Bisakah Bank Muamalat Indonesia Menghindari Kesulitan Keuangan? Sebuah Investigasi Teori Model Springate Rafiqi, Iqbal; Afifah Nadhirah; Faizah, Maftuhatul
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p153-171

Abstract

Previous studies on financial distress in Islamic banking have tended to use broad samples. In contrast, this research specifically analyses the potential for financial distress at Bank Muamalat Indonesia, a leading Islamic bank which has recently undergone restructuring. The main objective is to examine how four financial ratios — Return on Assets (ROA), Return on Equity (ROE), Operational Costs to Operating Income (BOPO) and Financing to Deposit Ratio (FDR) influence the bank's financial distress. Additionally, the Springate Model is applied to predict the bank's financial distress during the period from 2016 to 2022, providing dual validation for the findings. A descriptive quantitative methodology was employed, with data sourced from Bank Muamalat Indonesia's quarterly financial statements. Multiple regression analysis indicates that the four financial ratios have no significant effect on financial distress, either partially or simultaneously (p-value > 0.05). Furthermore, analysis using the Springate Model is consistent with these findings. During the observation period, Bank Muamalat Indonesia's S-score consistently remained above 0.862, indicating healthy and stable financial conditions and suggesting that the bank is not predicted to experience financial distress
Pengaruh Etika Bisnis Islam Terhadap Kepuasan Pelanggan (Studi Kasus UKM Holden Martabak Terang Bulan) Jannah, Fitria Hikmatul; Indrarini, Rachma
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p186-194

Abstract

This research aims to analyze the influence of Islamic business ethics on customer satisfaction at SME Holden Martabak Terang Bulan. Islamic business ethics include the principles of honesty, justice, responsibility and concern for customers. This research uses quantitative methods with a descriptive approach. Data was collected by distributing questionnaires to SME Holden Martabak Terang Bulan customers. The data analysis technique uses simple linear regression to determine the influence of Islamic business ethics on customer satisfaction. The research results show that Islamic business ethics have a positive and significant effect on customer satisfaction. This can be seen from indicators of honesty in sales, fair product quality, responsible service, and concern for customer needs. Customer satisfaction increases along with the implementation of Islamic business ethics principles. This research provides important implications for SMEs to always apply Islamic business ethics in operational activities in order to be able to maintain customer loyalty.
Pengaruh Literasi dan Inklusi Keuangan Syariah Terhadap Kinerja Keuangan UMKM di Surabaya Alfarisy, Fathor Rozy; Canggih, Clarashinta
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p172-185

Abstract

In Indonesia, Mikro, Small, and Medium Enterprises (MSMEs) are one of the important pillars in Indonesia’s economic development where they make a large contribution to the country’s economy. In the dynamics of   the global economy, the resilience and stability of the country’s economy not only depends on the size of the corporate sector, but also on the strength of the MSMEs sector, which is an important foundation. The present study employs a quantitative associative research method, with multiple linear regression analysis used as the data analysis technique. The findings indicate that financial literacy and Islamic financial inclusion have a significant effect on the financial performance of MSMEs in Surabaya. The results further demonstrate that Islamic financial literacy and inclusion contribute directly to the improvement of MSMEs’ financial performance. Therefore, the strengthening of education and access to Islamic financial services needs to be continuously enhanced
PENGARUH PEMBIAYAAN PLS DAN NON-PLS TERHADAP KINERJA BANK SYARIAH DI INDONESIA Mubarok, Alrojak; Yasin, Ach.
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p195-212

Abstract

This study aims to analyze the effect of Profit and Loss Sharing (PLS) and Non-PLS-based financing on the performance of Islamic banks in Indonesia. The background of this study is based on the dominance of Non-PLS contracts, especially murabahah, in Islamic bank financing portfolios, although PLS contracts are considered more ideal in accordance with sharia principles. The study uses a quantitative approach with a multiple linear regression method. Secondary data were obtained from the monthly financial reports of Islamic banks for the period 2019–2024 published by the Financial Services Authority (OJK). The results show that PLS financing has no significant effect on Islamic bank performance, while Non-PLS financing is proven to have a positive and significant effect on bank profits. Simultaneously, both types of financing have a significant effect on Islamic bank performance with a coefficient of determination of 0.916, meaning that 91.6% of the variation in bank performance can be explained by PLS and Non-PLS financing. This finding indicates that although PLS is in accordance with the principles of sharia justice, the dominant contribution to Islamic bank profitability still comes from Non-PLS financing.

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