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Moneta: Jurnal Manajemen & Keuangan Syariah
Published by Institut Agama Islam Negeri Parepare
ISSN : -     EISSN : 29861926     DOI : https://doi.org/10.35905/moneta
Core Subject : Religion, Economy, Humanities, Science, Social,
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
Jurnal Moneta : Jurnal Manajemen dan Keuangan Syariah terbit secara berkala, dua kali setahun yaitu bulan Mei dan November. Jurnal Manajemen dan Keuangan Syariah menyediakan forum penyebaran aplikasi teori dan penelitian di semua bidang Manajemen dan Keuangan , Berikut ruang lingkup pembahasan dalam Jurnal Moneta : 1. Keuangan 2. Manajemen Operasional 3. Manajemen Sumber Daya Manusia 4. Mnajemen Pemasaran 5. Manajemen Keuangan 6. Manajemen Risiko
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 38 Documents
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EFEKTIVITAS DAN EFISIENSI PENGELOLAAN ALOKASI DANA DESA DI DESA AMESSANGANG KECAMATAN LANRISANG KABUPATEN PINRANG Ahmad, NurIlmhy Pratiwi; Sulkarnain; Zainal Said; Darwis
Moneta: Jurnal Manajemen & Keuangan Syariah Vol 3 No 2 (2025): MONETA : Jurnal Manajemen dan Keuangan Syariah
Publisher : Program Studi Manajemen Keuangan Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/moneta.v3i2.13510

Abstract

The effectiveness and efficiency of village fund allocation management can be known through the achievement of goals or objectives that have been set previously. Effectiveness and efficiency can be measured if there are results or achievements from various activities or projects that have been carried out. This study aims to determine the level of Effectiveness and Efficiency of Village Fund Allocation Management in Amassangang Village, Lanrisang District, Pinrang Regency. This research uses quantitative research and for data collection using observation and documentation methods and supporting data in the form of Village Fund Allocation (ADD) reports for the last 3 years from 2021-2023. The results showed that the Effectiveness and Efficiency of Village Fund Allocation Management in Amassangang Village, Lanrisang District, Pinrang Regency was considered effective, but inefficient. The effectiveness of the management of village fund allocations is considered effective and is evidenced by the average percentage value of effectiveness of 99.84%. Meanwhile, the efficiency of village fund allocation management is considered inefficient through the average percentage value of efficiency of 100.87%.
Inovasi Produk dan Kualitas Premium: Pola Pembelian Pangan Digital di Perum Bulog Parepare Modding, Basri; Tijjang, Bakhtiar; putra, Pandi
Moneta: Jurnal Manajemen & Keuangan Syariah Vol 3 No 2 (2025): MONETA : Jurnal Manajemen dan Keuangan Syariah
Publisher : Program Studi Manajemen Keuangan Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/moneta.v3i2.13653

Abstract

In the increasingly rapid digital era, this study reveals the key factors that drive digital food purchasing decisions at Perum Bulog Parepare, with a focus on product innovation and premium quality. Through quantitative analysis of consumer questionnaire data, this study identifies five important elements that influence buyer preferences: ease of use of digital platforms, superior product quality, competitive prices, attractive product innovations, and consumer trust. The findings show that consumers increasingly value seamless shopping experiences and high-quality products in the digital food ecosystem, with consumer trust acting as a catalyst in mitigating risk perceptions related to online transactions. The results of this study provide valuable insights for Perum Bulog Parepare to design effective strategies to face digital transformation, optimize platforms, improve product quality, and create relevant innovations. This study not only offers practical guidance for Bulog, but also contributes significantly to the understanding of the dynamics of the digital food market in Indonesia, becoming a valuable reference for industry players and policy makers in this sector.
INTEGRASI INSTRUMEN ISLAMIC SOCIAL FINANCE DALAM MENDUKUNG EKONOMI SIRKULAR: ANALISIS LITERATUR DAN KERANGKA KONSEPTUAL Fahmi, Rizqi Anfanni
Moneta: Jurnal Manajemen & Keuangan Syariah Vol 4 No 1 (2025): MONETA : Jurnal Manajemen dan Keuangan Syariah
Publisher : Program Studi Manajemen Keuangan Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/moneta.v4i1.13463

Abstract

This study explores the potential integration of Islamic Social Finance (ISF) within the circular economy framework, aiming to contribute to sustainable environmental and social development. The research investigates how instruments such as zakat, waqf, and infaq can be utilized to finance projects that promote resource management, waste reduction, and renewable energy initiatives. The methodology employed is a narrative literature review, focusing on high-quality academic sources from Scopus to synthesize existing knowledge and identify gaps in the current literature. The findings reveal that ISF, particularly zakat and waqf, can play a crucial role in financing sustainable projects. These instruments are shown to have significant potential in supporting environmental sustainability efforts, such as waste management and energy solutions. Furthermore, the integration of financial technologies, such as blockchain, is highlighted as a means to improve the transparency and efficiency of managing ISF funds for green projects. However, challenges such as insufficient regulatory frameworks, limited public awareness, and low participation in sustainability initiatives remain barriers to fully harnessing ISF’s potential in the circular economy. This research contributes to the existing body of knowledge by developing a conceptual framework that connects ISF with the circular economy. The study underscores the importance of enhancing policy support and increasing societal engagement to maximize the effectiveness of ISF in achieving environmental and social sustainability. Further empirical research is recommended to validate the proposed models and explore practical applications in diverse regions and sectors.
ANALISIS RASIO KEUANGAN ANGGARAN PENDAPATAN DAN BELANJA DAERAH (APBD) KABUPATEN ENREKANG UNTUK MENILAI KINERJA KEUANGAN PEMERINTAHAN KABUPATEN ENREKANG TAHUN ANGGARAN 2019-2023 Ani, Rohani; Rezki Fani
Moneta: Jurnal Manajemen & Keuangan Syariah Vol 4 No 1 (2025): MONETA : Jurnal Manajemen dan Keuangan Syariah
Publisher : Program Studi Manajemen Keuangan Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/moneta.v4i1.14440

Abstract

Penilaian rasio keuangan daerah dapat membantu meningkatkan transparansi dalam pengelolaan keuangan daerah, dengan mengukur dan menilai kinerja keuangan secara objektif. Apakah instansi tersebut sudah mempunyai kinerja keuangan yang baik atau buruk. Penelitian ini menggunakan metode kuantitatif dengan pendekatan deskriptif, mengumpulkan data menggunakan studi dokumentasi, dan observasi dengan menganalisis kinerja keuangan berdasarkan Laporan Realisasi Anggaran (LRA) menggunakan rasio kemandirian, rasio efektivitas, rasio efesiensi dan mengukur dengan Share and Growth dan peta kemampuan keuangan daerah. Hasil penelitian ini menunjukan bahwa kinerja keuangan Pemerintahan Kabupaten Enrekang pada tahun 2019-2023 dapat dikatakan tidak baik, dilihat dari perhitungan ketiga rasio keuangan yaitu rasio kemandirian diperoleh rata-rata 7,98% yang tergolong dalam kategori “rendah sekali” dan termasuk dalam pola hubungan Instruktif karena berada di antara 0%-25%. Kemudian rasio efektivitas diperoleh rata-rata 57,65% yang tergolong dalam kategori “tidak efektif” karena <60%. Dan untuk hasil perhitungan rasio efisiensi diperoleh rata-rata 106,89% yang tergolong dalam kriteria “tidak efisien” karena >100%. Kemudian untuk pengukuran dari hasil perhitungan share dan growth diperoleh rata-rata share yaitu 7,44% dan rata-rata growth yaitu 7,84% yang tersebut termasuk dalam kategori rendah, dan diukur berdasarkan metode kuadran, posisi kabupaten Enrekang selama 5 tahun berada pada kuadran IV yaitu kondisi paling buruk.
MANAJEMEN KEUANGAN KELUARGA DALAM TRADISI UANG PANAI' BUGIS: ANALISIS EKONOMI ISLAM Adi, Irwandi; Asriadi Arifin; Anggeryani Syam
Moneta: Jurnal Manajemen & Keuangan Syariah Vol 4 No 1 (2025): MONETA : Jurnal Manajemen dan Keuangan Syariah
Publisher : Program Studi Manajemen Keuangan Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/moneta.v4i1.15033

Abstract

Penelitian ini bertujuan untuk menganalisis praktik manajemen keuangan keluarga dalam tradisi uang panai’ pada masyarakat Bugis dengan menggunakan perspektif ekonomi Islam. Tradisi uang panai’ merupakan bentuk pemberian dari pihak laki-laki kepada pihak perempuan sebelum pernikahan yang memiliki implikasi sosial, budaya, dan ekonomi yang signifikan. Fenomena ini sering menimbulkan beban finansial, memengaruhi pola pengelolaan keuangan keluarga, serta memunculkan dilema antara pelestarian budaya dan prinsip keadilan dalam Islam. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus, melalui wawancara mendalam dan observasi terhadap keluarga Bugis di Sulawesi Selatan. Hasil penelitian menunjukkan bahwa praktik uang panai’ mendorong keluarga untuk melakukan perencanaan keuangan jangka panjang, termasuk tabungan, investasi, dan strategi pembiayaan berbasis gotong royong. Namun, terdapat ketidakseimbangan antara tuntutan adat dan prinsip efisiensi serta keberlanjutan dalam manajemen keuangan syariah. Dari perspektif ekonomi Islam, praktik ini dapat dilihat sebagai bentuk ’urf (kebiasaan) yang diperbolehkan selama tidak menimbulkan gharar, israf, dan dharar. Rekomendasi penelitian ini menekankan perlunya reinterpretasi budaya uang panai’ agar tetap selaras dengan maqashid al-syari’ah, khususnya dalam aspek keadilan, kemaslahatan, dan keberlanjutan keuangan keluarga.
ANALISIS TOTAL KEWAJIBAN MELALUI SETORAN WADIAH DAN INVESTASI BERBAGI NIRLABA DI BTPN SYARIAH UNTUK PERIODE 2016-2023 Az-zahra, Sitti Fatimah; Vemy Suci Asih
Moneta: Jurnal Manajemen & Keuangan Syariah Vol 4 No 1 (2025): MONETA : Jurnal Manajemen dan Keuangan Syariah
Publisher : Program Studi Manajemen Keuangan Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/moneta.v4i1.14886

Abstract

Banking is vital for economic growth, acting as a financial intermediary (Marshal, 2019). Islamic banks differ from conventional banks by following profit- sharing principles instead of interest. As per Law No. 10 of 1998, Islamic banks meet the needs of Muslims avoiding interest (riba) and operate alongside conventional banks, offering products like Wadiah and Mudharabah-based savings. This study analyzes the effects of Wadiah deposits and non-profit-sharing investments on total liabilities at BTPN Syariah Bank from 2016-2023. Using descriptive and quantitative methods, the results show that Wadiah deposit contribute 34.8% ,non-profit sharing investments 84.5%, and both simultaneously contribute 92.3% to total liabilities, confirming their significant impact. The research uses time series data from PT BTPN Syariah Tbk's annual reports and applies various analytical methods, including descriptive analysis and hypothesis testing, with data processed using SPSS and Microsoft Excel. The findings align with existing theories, emphasizing the crucial role that both Wadiah deposits and non-profit-sharing investments play in shaping the bank's financial liabilities. This suggests that Islamic banking products are not only compliant with Sharia principles but also significantly contribute to the bank’s overall financial stability and growth.
MANAJEMEN PENGHIMPUNAN DANA UNTUK EFEKTIVITAS OPERASIONAL LEMBAGA KEUANGAN SYARIAH aulia, irfa
Moneta: Jurnal Manajemen & Keuangan Syariah Vol 4 No 1 (2025): MONETA : Jurnal Manajemen dan Keuangan Syariah
Publisher : Program Studi Manajemen Keuangan Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/moneta.v4i1.15086

Abstract

Fundraising is a crucial aspect in the operation of Islamic Financial Institutions (IFIs) because it determines the sustainability of their intermediation function and the effectiveness of their performance. This study aims to analyze fundraising management strategies throught four main focuses increasing Third Party Funds (TPF), managing and investing, market segmentation and product promotion, and evaluating fundraising effectiveness. The research method used is a literature study analyzing the result of previous research on Islamic bank in Indonesia. The study results indicate that TPF is the primary source of funds for Islamic financial institutions, therefore,fundraising strategies need to focus on marketing, promotion, Islamic financial literacy education, and contract based product innovation. Invesment fund management requirest compliance with sharia principles, tranparency, prudence, and social responsibility to provide halal result and social benefits. Market segmentation and product promotion play a role in expanding the customer base and strengthening the institution can be conducted through financial indicators such as the Financing Deopsit Ratio (FDR) to assess the optimization of fund distribution. Thus, effective fundraising management in IFIs not only creates financial success but also reflects a commitment to justice, welfare, and Sharia based economic development.
MODEL PERILAKU KONSUMEN MUSLIM DALAM PERSPEKTIF TEORI UTILITY ISLAM: IMPLIKASI TERHADAP TABUNGAN DAN INVESTASI SYARIAH Anggi, Anggeryani Syam; Syahriyah Semaun
Moneta: Jurnal Manajemen & Keuangan Syariah Vol 4 No 1 (2025): MONETA : Jurnal Manajemen dan Keuangan Syariah
Publisher : Program Studi Manajemen Keuangan Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/moneta.v4i1.15259

Abstract

Penelitian ini bertujuan untuk menganalisis dan membangun model perilaku konsumen Muslim dalam perspektif Islamic utility serta menelaah implikasinya terhadap tabungan dan investasi syariah. Fokus utama kajian ini adalah bagaimana nilai-nilai spiritual seperti keberkahan (barakah), amanah, dan maslahah dapat direkonstruksi sebagai bagian integral dari fungsi preferensi ekonomi konsumen Muslim yang selama ini didominasi oleh paradigma utilitas konvensional. Metode penelitian yang digunakan adalah pendekatan kepustakaan (library research) dengan analisis tematik, di mana berbagai literatur ekonomi Islam, teori perilaku konsumen, serta hasil penelitian empiris dianalisis secara mendalam untuk mengidentifikasi tema-tema konseptual utama. Hasil penelitian menunjukkan bahwa model Islamic utility menempatkan keseimbangan (wasathiyyah) dan keberkahan sebagai orientasi utama konsumsi, amanah sebagai dasar perilaku menabung, dan maslahah sebagai tujuan investasi. Integrasi antara edukasi teknis dan pembingkaian nilai menjadi strategi efektif untuk meningkatkan partisipasi masyarakat dalam tabungan dan investasi syariah

Page 4 of 4 | Total Record : 38

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