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Widhi Ariyo Bimo
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Moneter : Jurnal Keuangan dan Perbankan
Published by Universitas Ibn Khaldun Bogor
ISSN : 23022213     EISSN : 26155141     DOI : 10.32832/moneter
Core Subject : Economy, Science,
Computer Science & IT Economics, Econometrics & Finance
Moneter: Jurnal Keuangan dan Perbankan mempunyai fokus dalam kajian keuangan dan perbankan , dengan scope sebagai berikut: Dasar-dasar keuangan dan perbankan syariah dan konvensional Bisnis Teknologi Informasi
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 151 Documents
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The Impact of Inflation and Government Spending on Islamic Financial Growth in Indonesia 2015-2024 Afifah, Yasmin; Nasution, Juliana; Daulay, Aqwa naser
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This study seeks to explore how inflation affects and government expenditure on the improvement of Islamic finance in Indonesia during the period 2015–2024. This study utilizes a quantitative method with the application of multiple linear regression analysis with time series data. Annual data from 2015 to 2024 is used to test the proposed hypotheses. The result is according to the findings from the multiple linear regression analysis conducted on the data for 2015–2024, as well as the discussion outlined previously, the data allows for these conclusions is Inflation indicates a meaningful and positive impact on the growth of Islamic finance in Indonesia. These results indicate that rising inflation actually drives the growth of the Islamic finance market share. This is possible due to the growing public preference for value-based and stability-based financial systems, such as Islamic financing, which prioritizes the principles of fairness and is free from interest. Government consumption expenditure (state spending) also has a positive and significant impact on Islamic financial growth. This demonstrates that government fiscal intervention through public spending can expand access to Islamic financing, particularly in the productive sector and the lower-middle class. Simultaneously, inflation and government spending significantly influenced Islamic financial growth. With an R-squared value of 0.874, these two variables together explained 87.4% of the variation in Islamic financial growth during the study period.
MSME Development Strategy Through Sharia Fintech Inclusion in Deli Serdang Indrawan Lubis, Putri Salsabila; Nurbaiti; Ilhami Nasution, Muhammad lathief
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This study focuses on evaluating the strategies employed to foster the growth of Micro, Small, and Medium Enterprises (MSMEs) through sharia fintech inclusion in Deli Serdang Regency. Using a descriptive qualitative approach and data collection techniques in the form of interviews and observations of MSME players, this study reveals the low level of literacy and adoption of sharia fintech even though this area has a majority Muslim population and has great potential in the development of Islamic finance. The results show This study concludes that the level of inclusion and literacy of Islamic fintech among MSMEs in Deli Serdang Regency remains relatively low. Although the potential for Islamic fintech use is significant, understanding of the basic concepts, principles of sharia, and benefits of Islamic fintech is not yet evenly distributed. Islamic fintech plays a crucial role in supporting transaction efficiency, financial record-keeping, and market expansion for MSMEs. However, obstacles such as low digital financial literacy and limited access to technology remain major challenges. The strategy for developing Islamic fintech-based MSMEs in Deli Serdang needs to encompass an educational approach, technological assistance, and cross-sector collaboration. Islamic financial literacy, strategic partnerships with Islamic fintech platforms, optimization of Islamic social funds (ZISWAF), and the development of a halal ecosystem are strategic steps that require comprehensive and sustainable development.
Culinary MSME Development Strategy Using the Strengths, Opportunities, Aspirations, and Results (SOAR) Approach Maulia, Tria Rizki; Qarni, Waizul; Syakir, Ahmad
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

Based on data from the Ministry of Cooperatives and SMEs of the Republic of Indonesia, the Economic Census from the Central Statistics Agency in 2024 showed that the large contribution of MSMEs to the Indonesian economy reached 61.07% of GDP or IDR 9,300 trillion. In addition to contributing to creating jobs, MSMEs also support local economic growth. One type of culinary MSME that is promising to be developed is the food stall business. Warung Lesehan Keluarga Mas Bambang is one of the food stalls in Medan Marelan that has many variants of food menus. This study aims to determine the right business development strategy for Warung Lesehan Keluarga Mas Bambang. This study uses a qualitative descriptive research method with SOAR analysis. The results show that the strengths of Warung Lesehan Keluarga Mas Bambang are the attractive stall design with a traditional concept, having many variants of food menus that suit the people's tongue and affordable prices. The appropriate strategies to be implemented at Warung Lesehan Keluarga Mas Bambang are the SR strategy and the OR strategy. The SR strategy is to maximize internal strategies and the OR strategy is the most strategic because it is more efficient, namely utilizing existing opportunities such as raw materials, technology, and markets. Faster impact is directly boosting revenue and image. and sustainable can be combined with SR/OA for long-term optimization.
The Impact of Price Perception, Religious Commitment, and Halal Certification on Online Buying Behavior of Make Over Halal Cosmetics Purba, Na'imi Salwa; Harahap, Isnaini; B Syarbani Tanjung, Ahmad Muhaisin
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This research seeks to examine how price perception, religiosity, and halal labeling affect the online purchase decisions of Make Over halal cosmetic products among university students in Medan. The study employed a quantitative research design, utilizing a survey technique with a structured The research utilized a questionnaire for data collection, followed by analysis through Structural Equation Modeling (SEM). The findings indicated that price perception, religiosity, and halal labeling, as the three independent variables, had a significant impact on purchasing decisions. Among the variables, the halal label exerted the strongest influence, followed by price perception and religiosity. The coefficient of determination (R²) value of 0.883 indicates that the model is able to explain 88.3% of the variation in purchasing decisions. These findings emphasize the importance of halal labels as a guarantee of trust for Muslim consumers, as well as the role of competitive prices and levels of religiosity in driving online purchasing decisions of halal cosmetics. The implications of this study provide recommendations for manufacturers and marketers to improve marketing strategies that emphasize halal aspects, affordable prices, and religious values to strengthen Muslim consumer loyalty in the online halal cosmetics market.
Business Development Strategy through Productive Waqf Aqashah, Faisal; Siregar, Saparuddin; Yanti, Nursantri
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This research discusses business development strategies through productive waqf with a case study at the Asy-Syafaah Mosque, Tebing Tinggi City. Productive waqf is an innovation in waqf asset management that aims to provide sustainable economic and social benefits. The Asy-Syafaah Mosque utilizes waqf assets in the form of kiosks that are rented out to the community, and the proceeds are used to finance the operation of a free afternoon madrasa for children. This research uses a qualitative approach with a field study method, including in-depth interviews, observation, and documentation. SWOT analysis is used to identify strengths, weaknesses, opportunities, and threats in productive waqf management based on kiosk leasing. The results showed that productive waqf management at the Asy-Syafaah Mosque is able to provide multiple benefits, namely supporting religious education and empowering the economy of the surrounding community. The right management strategy can be a reference for other mosques in developing productive waqf as an effort to empower the economy and social community.
The Influence of Workplace Branding, Company Reputation, Digital Social Platforms Information Concerning Generation Z’s Job-Seeking Behavior Fadhila, Eka; Yafiz, Muhammad; Qarni, Waizul
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This study aims to analyze the role of employer branding, company reputation, and media social information on the job-seeking motivation of Generation Z, with a case study of FEBI students, Department of Management, State Islamic University of North Sumatra (UINSU). Generation Z is a group of potential job seekers who have digital-native characteristics and are highly selective in choosing companies based on image, reputation, and information obtained through digital platforms. Quantitative techniques are used in this research with a survey method, and data are the analysis was conducted using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach, carried out with SmartPLS software version 4.0. The results show that the three independent variables of employer branding, company reputation, and social media information have a positive and significant effect on job application interest. The R-square value of 0.970 indicates that 97% of the variation in application interest can be explained by these three variables. These findings emphasize the need for companies to build strong employer branding, maintain a consistent reputation, and utilize social media strategically to attract the attention and interest of the younger generation. This study provides theoretical contributions to the field of human resource marketing and offers practical implications for digital recruitment strategies in the era of industry 4.0.
Strategies For Survival Of Traditional Small And Medium Enterprises In The Digital Age From An Islamic Economic Perspective Fatimah zahrah Harahap; Marliyah, Marliyah; Harahap, Muhammad Ikhsan
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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This qualitative study analyzes the survival strategies of traditional MSMEs in the digital era through a case study of Enrico Pasar Horas Traditional Spice MSME, which has been operating for more than 30 years, using the SOAR (Strengths, Opportunities, Aspirations, Results) analysis method to identify effective strategies for maintaining business existence without comprehensive digital technology adoption. The research findings indicate that SMEs can survive through three main strategies: value-based differentiation rooted in Islamic principles, emphasizing honesty and trustworthiness in maintaining product quality; Islamic relationship marketing that builds long-term relationships based on trust and fairness; and holistic sustainability that integrates economic, social, and environmental responsibilities in accordance with the objectives of Islamic law (maqashid syariah). The implementation of Islamic economic principles such as ash-shidq (honesty), amanah (trust), al-adl (justice), and mas'uliyyah (responsibility) has proven to create a sustainable competitive advantage through financial stability and strong customer loyalty, enabling SMEs to maintain their existence without relying entirely on digital technology in the modern economic transformation.
Banana Chip Home Industry Development Strategy Using the Pentahelix Approach: An Islamic Economic Review Medeni, Desi Chintiara; Marliyah; Yanti, Nursantri
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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The banana chip home industry in Sengon Sari Village faces challenges in business development despite having been in operation for decades. This study aims to identify development strategies for the banana chip home industry using a pentahelix approach with an Islamic economic perspective on the business owned by Mrs. Warsina in Sengon Sari Village. The research method used is qualitative, with data collection techniques involving interviews and observations of the five pentahelix stakeholders (academics, business operators, government, community, and media). Data analysis utilized the SOAR approach (Strengths, Opportunities, Aspirations, Results) to identify internal strengths and external opportunities. The research findings indicate that factors related to strengths and aspirations suggest a solid potential for development. The main strategies recommended include: developing an environmentally sustainable strategy, digital promotion, market access through e-commerce, sharia financial management training, and optimizing social media for transparent promotion. The implementation of these strategies aligns with the principles of Islamic economics, which emphasize justice, honesty, tawhid, and responsible leadership, thereby enhancing business competitiveness while benefiting the wider community.
Systematic Literature Review: Performance & Development of Creative Economy-Based MSMEs Zidane, Muhammad Raihan; Nawawi, Zuhrinal M; Tambunan, Khairina
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Micro, Small, and Medium Enterprises (MSMEs) based on the creative economy play a strategic role in driving national economic growth and creating inclusive employment opportunities. However, amid the post-pandemic economic dynamics and accelerated digital transformation, the development of creative MSMEs faces complex structural and cultural challenges. This study aims to identify key barriers and formulate effective development strategies for creative economy-based MSMEs in Indonesia. Utilizing a Systematic Literature Review (SLR) approach, this research reviews and synthesizes 42 relevant academic publications sourced from reputable databases such as Google Scholar, DOAJ, and SINTA. The analysis employed meta-synthesis and content analysis techniques to reveal thematic patterns and relationships between strategic variables. The findings indicate that the primary obstacles include limited access to financing, low levels of digital and entrepreneurial literacy, and inadequate institutional support. Meanwhile, the most effective development strategies encompass business digitalization, entrepreneurship training, multi-stakeholder collaboration, business model innovation, and policy reforms based on intellectual property rights. This study contributes conceptually by mapping thematic strategies for the development of creative MSMEs, while also offering a foundation for formulating more contextual, responsive, and sustainable empowerment policies and practices. The article is expected to serve as a vital reference for scholars, policymakers, and practitioners in promoting the sustainability and competitiveness of creative economy-based MSMEs in Indonesia.
The Influence of Halal Labels and Production Material Quality on Consumer Purchasing Decisions at Mochi Chuwi MSMEs in Tebing Tinggi City S, Azra Afwani; Jannah, Nurul; Bi Rahmani, Nur Ahmadi
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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The purpose of this study is to evaluate and assess the impact of Halal Label on purchasing decisions, and the impact of the quality of production materials on purchasing decisions of Mochi produced by UMKM Mochi Chuwi Lingkungan III, Karya Jaya Village, Tebing Tinggi City, using a case study of the Tebing Tinggi City community. Quantitative techniques are applied in this study. The population in this study consists of the people of Tebing Tinggi City who usually shop at UMKM Mochi Chuwi Lingkungan III, Karya Jaya Village, Tebing Tinggi City, totaling 133 buyers per day, using the Slovin formula, a sample of 100 people was taken. In this study, data was collected through the use of questionnaires. Normality tests, validity tests, reliability tests, multiple regression tests, hypothesis tests (t-test and F-test), and coefficients of determination were all used in the data analysis approach of this study, which also included a literature review. Halal labels have a major impact on purchasing decisions. The quality of product materials has a major impact on purchasing decisions. Halal labels and the quality of production materials both have a major impact on purchasing decisions of Mochi produced by UMKM Mochi Chuwi Lingkungan III, Karya Jaya Village, Tebing Tinggi City.

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