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Perkumpulan Dosen Fakultas Agama Islam Indramayu Alamat : Jl. Ir. H. Djuanda Km 03, RT 001 RW 005 Desa Singaraja Kecamatan Indramayu Kabupaten Indramayu Jawa Barat 45213.
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INDONESIA
ORGANIZE: Journal of Economics, Management and Finance
Published by Perkumpulan Dosen Fakultas Agama Islam Indramayu
ISSN : -     EISSN : 29630576     DOI : https://doi.org/10.58355/organize.v2i1.6
Core Subject : Economy,
Economics, Econometrics & Finance
FOCUS Journal of Economics, Management and Finance provides scientific articles developed in attending through the article publications, original research report, reviews, and scientific commentaries in economics. SCOPE Journal of Economics, Management and Finance encompasses research papers from researcher, academics, and practitioners. In particular, papers which consider the following general topics are invited: Economics Science Monetary Economics Economic development Management Science Marketing Digital Bisnis /E-commerce Financial Management Human Resource Management Accounting Sciences Auditing Taxation Insurance Entrepreneurship and business Islamic Finance Economic Syariah Islamic Banking
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "Vol. 4 No. 4 (2025): Economic Transformation and Development" : 5 Documents clear
Synergy of Production Training And Market Targeting in Improving Quality and Competitiveness of MSMES in Underdeveloped Regions Dwi Intan Cantika Putri Hendrayana; Eka Nova Yulianti; Mashudi
ORGANIZE: Journal of Economics, Management and Finance Vol. 4 No. 4 (2025): Economic Transformation and Development
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58355/organize.v4i4.174

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in driving national economic growth, particularly in underdeveloped regions with limited access to developmental resources. Beyond being the largest employment sector, MSMEs significantly contribute to local economic empowerment. However, MSME actors in these disadvantaged areas often face critical challenges, including low product quality and inadequate implementation of effective and adaptive marketing strategies. These issues limit the competitiveness of MSME products in both local and national markets. This study aims to comprehensively analyze the impact of the synergy between production training and market targeting training on improving product quality and the competitiveness of MSMEs in underdeveloped regions. Employing a qualitative methodology through library research, the study synthesizes secondary data from scholarly journals, research reports, and relevant publications. The findings indicate that integrating production training which encompasses quality enhancement, efficiency improvements, and product innovation with marketing training covering branding strategies, digital marketing, and consumer segmentation simultaneously can elevate product standards and expand market reach. These results underscore the necessity of designing holistic, contextual, and sustainable training programs to address the structural challenges faced by MSMEs in underdeveloped areas. An integrated training synergy proves more effective in cultivating competent, adaptive entrepreneurs with heightened competitiveness amidst increasingly complex market dynamics.
The Impact of Sharia Fintech on Financial Inclusion in Indonesia: A Bibliometric Analysis Nurul Jennah; Taufiqur Rahman
ORGANIZE: Journal of Economics, Management and Finance Vol. 4 No. 4 (2025): Economic Transformation and Development
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58355/organize.v4i4.176

Abstract

Sharia FinTech is the integration of financial technology with Islamic financial principles, which plays a role in increasing financial inclusion in Indonesia. This study aims to analyze the impact of Sharia FinTech on financial inclusion using a bibliometric approach. The research data was obtained from Google Scholar in the period 2015 to 2025, which was then analyzed using VOSviewer software to visualize publication trends and relationships between concepts. The results of the study indicate that Sharia FinTech, especially in the form of sharia P2P lending and waqf-based crowdfunding, plays an important role in expanding access to financial services for previously underserved communities. The main factors driving the growth of Sharia FinTech include increasing internet penetration, smartphone usage, supportive government policies, and sharia regulations that ensure the conformity of the digital financial ecosystem with Islamic principles. This study also identified that research on the analysis of the impact of Sharia FinTech on financial inclusion still has room for further exploration. The implications of this study can be a basis for academics and practitioners in developing research and policies that support sharia-based financial inclusion in the future.
Scope and Challenges of Islamic Finance in India Bilal Ahmad Ganaie; Nasir Nabi
ORGANIZE: Journal of Economics, Management and Finance Vol. 4 No. 4 (2025): Economic Transformation and Development
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58355/organize.v4i4.194

Abstract

Islam and Islamic financial institutions hold an established and expanding presence within the Indian socio-economic landscape. India is reported to host more than 300 Islamic financial institutions, reflecting the commitment of the Muslim community to the principles of Shariah-compliant finance. The origins of Islamic finance in India can be traced to the 1890s with the creation of an interest-free lending initiative in southern India. Following independence, the sector witnessed notable growth, particularly during the 1960s, when numerous Islamic welfare societies primarily administered by Jamaat-e-Islami Hind, emerged across southern states, adhering to the core ideals of Islamic finance. By the late twentieth century, several Islamic financial investment companies, including Al-Baraka Finance House Limited (Mumbai), Seyad Shariat Finance Limited (Tamil Nadu), Al-Najib Milli Mutual Benefits Ltd. (Najibabad), and Parsoli Corporation Ltd., had become operational across both southern and northern India. These institutions aim to advance socio-economic welfare through principles rooted in justice, equity, and ethical financial conduct. This paper examines the potential and feasibility of Islamic financial institutions in advancing inclusive economic growth in India. It also analyses their relevance in addressing financial exclusion, poverty, debt cycles, unemployment, and wealth disparities, while identifying key regulatory challenges and suggesting pathways for effective integration into the national financial system.
Dual Sustainability in Agricultural Development: A Case-Based Framework From Bulgaria Petrov, Daniel
ORGANIZE: Journal of Economics, Management and Finance Vol. 4 No. 4 (2025): Economic Transformation and Development
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58355/organize.v4i4.198

Abstract

Sustainable nitrogen management remains a major challenge for Bulgarian agriculture, where low Nitrogen Use Efficiency (NUE) and limited uptake of innovative fertilization practices constrain productivity and environmental performance. This study aims to assess both the technological effectiveness and institutional enabling conditions for adopting urease inhibitors—specifically N-(n-butyl)thiophosphoric triamide (NBPT) and N-propyl-thiophosphoric triamide (NPPT)—within a real production context. A mixed-method approach was applied, combining a quantitative case analysis of a representative wheat farm with a documentary review of national policies, regulations and support programs. The results show an 8.1% increase in yield, a 23.4% improvement in NUE, and a higher Return on Investment (ROI) for inhibitor-treated plots, confirming the internal economic and agronomic sustainability of the technology. However, institutional assessment reveals critical constraints, including missing subsidy instruments, partial regulatory clarity, and weak advisory support structures, which limit broader adoption. To integrate these findings, the study employs a dual sustainability framework that evaluates both technological performance and institutional capacity. The conclusions highlight that technological innovations alone cannot drive agricultural transformation without coherent, well-aligned governance and support systems. Strengthening policy design, advisory services and regulatory instruments is essential for enabling the large-scale diffusion of effective nitrogen management technologies.
Convergence of Fiscal Capacities of Moroccan Regions: An Econometric Analysis using Dynamic Panel Data Fayou, Hamid
ORGANIZE: Journal of Economics, Management and Finance Vol. 4 No. 4 (2025): Economic Transformation and Development
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58355/organize.v4i4.199

Abstract

Advanced regionalization, a cornerstone of Morocco's new development model, raises the crucial question of disparities in regional fiscal capacities. This paper aims to test the hypothesis of absolute and conditional convergence of per capita tax revenues among the twelve regions of Morocco over the period 2010-2022. Using a dynamic panel model estimated by the System Generalized Method of Moments (GMM-SYS), we control for endogeneity biases and account for the persistence of fiscal capacities. Our results reject the hypothesis of absolute convergence, indicating a widening of interregional fiscal inequalities. However, conditional convergence is evidenced: initially less endowed regions progress faster, subject to certain structural conditions. The urbanization rate, the concentration of industrial and tourist activities, and the quality of infrastructure appear as significant determinants of the convergence dynamic. These results call for a more targeted fiscal and transfer policy to foster convergence and ensure territorial equity within the framework of decentralization.

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