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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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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 87 Documents
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Analysis of Factors Causing Problematic Financing at the Bank Tabungan Negara Syariah KCP Indramayu Hendri Cahyono
ORGANIZE: Journal of Economics, Management and Finance Vol. 1 No. 1 (2022): 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.v1i1.4

Abstract

In providing services to the public, banks develop various banking products and services, one of which is lending funds in the form of financing. The provision of fees contains risks for smooth implementation. Banks carry out good financing methods to minimize the occurrence of problematic financing. Problem financing can have bad consequences if it occurs continuously and will increase if the settlement is not carried out properly. The purpose of this study is to find out and analyze what factors cause problematic financing at BTN Syariah KCP Indramayu and what steps are taken by the bank to solve it. This study uses a qualitative approach method. The results or findings in this study are that the factors causing problematic financing at BTN Syariah KCP Indramayu are from the character of the customer and it reaches 90%, where the customer underestimates the installments that are his obligations. Efforts made by banks are to be more careful in choosing and selecting prospective customers and if there is a financing problem the actions that can be taken are by: rescheduling, reconditioning and restructuring. The conclusion in this study is that credit financing and other products at the BTN Syariah KCP Indramayu bank are still relatively normal and can still be overcome. This can be seen from the problematic financing, which occurs in a small percentage, not up to 1%, or around 0.5%.
Analysis of the Causes of People Not Choosing Islamic Banks: Research on Gabuswetan Village Communities, Indramayu Regency Irwan Maulana
ORGANIZE: Journal of Economics, Management and Finance Vol. 1 No. 1 (2022): 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.v1i1.5

Abstract

This paper aims to answer questions about how people perceive Islamic banks and what factors cause people not to choose Islamic banks. The research data was collected from direct interviews with the people in Gabuswetan Village, Indramayu Regency. Interviews were conducted with people who did not choose Islamic banks as their financial institutions. Furthermore, this study was analyzed using a qualitative descriptive analysis method. The results of the study show that people who do not choose Islamic banks think that Islamic banks are the same as conventional banks. This is due to the low level of public knowledge considering the lack of promotion by Islamic banks. The public still feels that the information that reaches them about Islamic banking, starting from the system, concept to the product, is very little. Factors that cause people not to choose Islamic banks include knowledge of Islamic banks, products and their very low existence. In addition, there are very few Islamic bank service offices and ATMs around the community. Apart from that, Islamic bank branding is felt to be lacking because of the minimal events and promos carried out by Islamic banks. Seeing the state of society like that, Islamic banks should provide education to the public about Islamic banks, starting from the system to its products. Islamic banks are expected to provide educational promotions by getting closer to the community directly. In addition, the fulfillment of facilities that support services to customers is also needed in order to provide the best service to the public.
Analisis Komparatif Pemikiran Pembangunan Ekonomi Islam KH. Ma’ruf Amin Dan Adiwarman Azwar Karim Khairul Wahid; Binti Mutafarida; Andriani
ORGANIZE: Journal of Economics, Management and Finance Vol. 2 No. 1 (2023): 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.v2i1.6

Abstract

Penelitian ini adalah penelitian kepustakaan (library research) dengan data dan analisa kualitatif dengan deskripsi dan analisa objek penelitian dengan membaca dan menelaah karya tokoh atau pemikiran tokoh serta sumber lain yang berkaitan dengan topik, yang kemudian dianalisa dan diambil ringkasan. Penelitian ini menerapkan konten analisa dengan cara mengkomparasi. Selanjutnya, berhubungan pemikiran pembangunan ekonomi islam yang dicetus oleh KH. Ma’ruf Amin mempunyai tiga pandangan (ekonomi keadilan, ekonomi keumatan dan ekonomi berkemandirian). Selain itu upaya pemberian jalan masuk modal, peningkatan kompetensi dan kapabilitas, serta perluasan jalan masuk pasar. Sedangkan Adiwarman Azwar Karim mengamati suatu pembangunan ekonomi islam menekankan prinsip tauhid sebagai kunci dari pembangunan, Selanjutnya beliau menekankan pada prinsip keadilan agar dapat menjadikan tatanan masyarakat yang adil dan sejahtera, mensupport kompetisi sehat dan keadilan, serta berperan aktif dalam perekonomian global dan regional dengan bergantung pada kecakapan serta potensi bangsa.Tapi penekanan dan cara-cara yang dilakukan oleh kedua tokoh memiliki perbedaan. Secara substansi pemikiran kedua tokoh tersebut relevan dengan cita-cita pembangunan ekonomi di Indonesia. Di Indonesia pembangunan yang dilakukan dengan berdasar pada landasan dasar negara ialah pancasila.
Dampak Maraknya Bank Keliling Bank Emok di Kalangan masyarakat Bungursari Kota Tasikmalaya : Apa itu bank emok? Gustiani, Hasna
ORGANIZE: Journal of Economics, Management and Finance Vol. 2 No. 1 (2023): 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.v2i1.10

Abstract

Emok Bank is a term for a microfinance business that lends money to the public using a group lender system that is done every week. The existence of emok bank in Bungursari, Bungursari Village, Bungursari District, Tasikmalaya City is used by the community as one of the supports for economic activity. Emok Bank provides an easy loan process that is carried out. This is what makes the emok bank still have an existence in the midst of the many financial sectors, both formal and informal, that are offered in Bungursari Village. The aim of the research was to find out the mechanism of emok bank loans in Bungursari Village, Bungursari Village, Bungursari District, Tasikmalaya City and what kind of social impact was felt by the Bungursari community. As well as to find out the actions of the local government in an effort to eradicate Bank Emok. The results of the study explained that the people of Bungursari Village, Bungursari Village, Bungursari District, Tasikmalaya City carried out a loan mechanism at the emok bank through several stages. The community also has dependence on emok banks due to economic factors and administrative aspects as well as changes in social and economic conditions that reduce living standards. Bank emok has been considered as the easiest initial alternative in lending. The selection was also based on how many people practice loans at emok banks. This is what ultimately causes loans to emok banks to be considered normal. The emok bank in Bungursari Village seems to have become an alternative to support the community's economic needs. The local government has also taken preventive measures to eradicate the emok bank by holding joint deliberations and forming community programs such as cooperatives ABSTRAK Bank Emok merupakan sebutan bagi usaha keuangan mikro yang meminjamkan uang kepada masyarakat dengan sistem tagihan secara berkelompok (group lender) yang dilakukan setiap mingguan. Keberadaan bank emok di Bungursari, Kelurahan Bungursari, Kecamatan Bungursari, Kota Tasikmalaya dimanfaatkan masyarakat sebagai salah satu penopang aktifitas ekonomi. Bank emok memberikan suatu kemudahan proses peminjaman yang dilakukan. Hal ini yang membuat bank emok tetap mempunyai eksistensi di tengah banyaknya sektor finansial baik formal ataupun informal yang ditawarkan di Kampung Bungursari. Penelitian yang dilakukan bertujuan untuk mengetahui mekanisme pinjaman bank emok di Kampung Bungursari, Kelurahan Bungursari, Kecamatan Bungursari, Kota Tasikmalaya dan seperti apa dampak sosial yang dirasakan masyarakat Bungursari. Serta untuk mengetahui tindakan pemerintah setempat dalam upaya untuk memberantas Bank Emok. Hasil penelitian menjelaskan bahwa masyarakat Kampung Bungursari, Kelurahan Bungursari, Kecamatan Bungursari, Kota Tasikmalaya melakukan meknisme peminjaman pada bank emok melalui beberapa tahap. Masyarakat pun memiliki ketergantungan terhadap bank emok disebabkan karena faktor ekonomi dan aspek administrasi serta terjadinya perubahan kondisi sosial, ekonomi yang menurunkan taraf hidup. Bank emok telah dianggap sebagai suatu alternatif awal yang paling mudah dalam peminjaman. Pemilihan tersebut juga didasarkan banyak masyarakat yang mempraktikan pinjaman pada bank emok. Hal tersebut yang akhirnya menyebabkan pinjaman pada bank emok dianggap biasa. Bank emok di Kampung Bungursari seolah telah menjadi alternatif untuk menopang kebutuhan ekonomi masyarakat. Pemerintah setempat pun telah melakukan tindakan upaya pencegahan untuk memberantas bank emok tersebut dengan melakukan musyawarah bersama serta membentuk program masyarakat seperti koperasi
Efektivitas Pemasaran Melalui Aplikasi Tiktok Terhadap Minat Beli Mahasiswa Ilmu Komunikasi Universitas Mercu Buana Yogyakarta Angkatan 2022 Rossita Rahmawati Wahyu Ramadhan; Asma Shofiya Nabila Bilqis Assyahidah; Veronika Angel Hera Novita
ORGANIZE: Journal of Economics, Management and Finance Vol. 2 No. 1 (2023): 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.v2i1.11

Abstract

Peran media sosial berubah dengan sangat pesat. Media sosial kini mempunyai peluang besar dalam kegiatan bisnis khususnya pemasaran. Salah satu media sosial yang paling banyak dikunjungi oleh pengguna internet di Indonesia adalah TikTok. Penggunaan aplikasi ini tidak hanya sebatas hiburan namun mengandung unsur ekonomi yang menjadi sarana pemasaran oleh perusahaan atau pelaku usaha industri kepada khalayak. Maka penelitian ini bertujuan untuk mengetahui manfaat pemasaran menggunakan aplikasi TikTok serta pengaruh terhadap minat beli konsumen. Populasi dalam penelitian ini adalah mahasiswa Program Studi Ilmu Komunikasi, Universitas Mercu Buana Yogyakarta angkatan 2022 sebanyak 240 mahasiswa, sedangkan sampel penelitiannya menggunakan teknik sampling acak kepada mahasiswa Program Studi Ilmu Komunikasi, Universitas Mercu Buana Yogyakarta angkatan 2021 sebanyak 22 mahasiswa. Data diperoleh melalui kuesioner serta diolah dan dianalisis menggunakan software SPSS dengan jumlah responden sebanyak 100 mahasiswa. Hasil menunjukkan bahwa video promosi di aplikasi Tiktok memiliki pengaruh yang signifikan terhadap minat beli produk yang dipromosikan. Tingkat pengaruhnya sebesar 72,3%, sementara sisanya (27,7%) dipengaruhi oleh faktor-faktor lain yang tidak diteliti. Hasil penelitian ini menunjukkan bahwa video promosi di Tiktok merupakan faktor yang penting dalam meningkatkan minat beli produk. Peneliti selanjutnya dapat mengeksplorasi faktor-faktor lain yang mempengaruhi minat beli produk melalui promosi di aplikasi Tiktok.
Tinjauan Ekonomi Islam Terhadap Mekanisme Penghimpunan dan Pengelolaan Zakat di Kelurahan Tolo Barat Kecamatan Kelara Kabupaten Jeneponto Sebrina; Irda Husnul Kotimah; Sirajuddin
ORGANIZE: Journal of Economics, Management and Finance Vol. 2 No. 1 (2023): 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.v2i1.12

Abstract

Penelitian ini bertujuan untuk mengetahui perkembangan dan mekanisme pengawasan penghimpunan zakat di Kelurahan Tolo Barat Kecamatan Kelara Kabupaten Jeneponto, mengetahui perbedaan antara realisasi penerimaan zakat dan potensi zakat itu sendiri. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan mengumpukan data sekunder dari berbagai sumber dan hasil wawancara ke beberapa informan. Hasil penelitian ini menyatakan bahwa kemungkinan besar masyarakat lebih memilih untuk menyalurkan zakatnya langsung kepada muzakki atau di mesjid, dikarnakan tingkat pemahamannya yang minim terkait zakat apalagi sebagian besar masyarakat hanya mengetahui keberadaan zakat fitrah saja sedangkan zakat lainnya tidak mengetahui akan hal itu. Terkait mekanisme pengawasan zakat terdiri dari pengawasan internal dan eksternal, dimana pengawasan ekternal tidak berjalan begitu baik karna kurangnya masyarakat membayar zakat maal (harta) di KUA.
Pengaruh Pengetahuan, Budaya Dan Kelompok Acuan Terhadap Referensi Menabung Mahasiswa Di Bank Syariah Syaipudin, Latif; Awwalin, Idah Nurfajriya
ORGANIZE: Journal of Economics, Management and Finance Vol. 2 No. 1 (2023): 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.v2i1.13

Abstract

Tujuan dalam penelitian: 1) Untuk menganalisis pengetahuan berpengaruh terhadap referensi menabung mahasiswa di Bank Syariah. 2) Untuk menganalisis budaya berpengaruh terhadap referensi menabung mahasiswa di Bank Syariah. 3) Untuk menganalisis kelompok acuan berpengaruh terhadap referensi menabung mahasiswa di Bank Syariah. 4) Untuk menganalisis pengetahuan, budaya, kelompok acuan berpengaruh terhadap Referensi menabung mahasiswa di Bank Syariah. Metode penelitian ini menggunakan Jenis kuantitatif dengan pendekatan studi kasus, sampel yang diambil sebanyak 25 mahasiswa pada Bank Syariah. Teknik analisis data menggunakan Uji Asumsi Klasik dan Analisis Regresi Linier Berganda menggunakan uji T dan uji F. Hasil penelitian ini, yaitu 1) Ada pengaruh pengetahuan terhadap referensi menabung. 2) Ada Pengaruh Budaya terhadap Referensi menabung. 3) Ada pengaruh kelompok acuan terhadap referensi menabung. 4) Ada pengaruh yang signifikan antara variabel pengetahuan, budaya, dan kelompok acuan berpengaruh terhadap referensi menabung Mahasiswa Menabung di Bank Syariah. Hasil penelitian tersebut menjelaskan bahwa referensi menabung menjadi salah satu faktor penting yang menjadi alasan seseorang untuk menentukan pilihannya. Sedikitnya dalam penelitian ini referensi dipengaruhi oleh faktor pengetahuan, budaya, dan kelompok acuan.
Peningkatan Sektor Perekonomian Masyarakat Puger Kulon Kabupaten Jember Melalui Pemanfaatan Sumberdaya Perikanan Dengan Penerapan Konsep Minapolitan Ulfa, Maria; Ikhlas Nur Muhammad
ORGANIZE: Journal of Economics, Management and Finance Vol. 2 No. 1 (2023): 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.v2i1.14

Abstract

Penelitian yang dilaksanakan ini bertujuan guna mengetahui kondisi perekonomian masyarakat pesisir Puger Kulon Kabupaten Jember yang memiliki potensi sumberdaya perikanan yang besar. Adapun metode penelitian yang dilaksanakan termasuk jenis penelitian kualitatif melalui survei di Desa Puger Kulon, Kec. Puger, Kab. Jember. Secara garis besar, hasil penelitian di lapangan menunjukkan bahwasannya masyarakat yang tinggal di pesisir Puger Kulon masih tergolong miskin yang dibuktikan dengan kondisi perumahan yang kumuh serta tidak bisa memenuhi kebutuhan hidupnya sehari-hari. Hal ini dipengaruhi oleh profesi nelayan yang sangat dipengaruhi oleh adanya musim dan faktor perekonomian dan jual beli ikan serta bagi hasil tangkapan ikan. Peningkatan sektor perekonomian masyarakat yang tinggal di pesisir bisa dioptimalkan melalui konsep minapolitan yang didalamnya sistem perekonomian sumberdaya perikanan terintegrasi dan terpadu, sehingga mengurangi angka kemiskinan di wilayah pesisir. Oleh sebab itu, untuk mendorong peningkatan sektor ekonomi tersebut, maka pemerintah daerah tersebut harus memperhatikan kesejahteraan para nelayannya dengan mengembangkan kawasan minapolitan seperti halnya dalam pembangunan pelabuhan, keberadaan KUD yang dioptimalkan kembali serta menara sistem kawasan pesisir.
Assistance For Cihanjawar Village UMKM Products Through Business Legality And Packaging In 2023 Via Parmalasari; Annisa Purwani
ORGANIZE: Journal of Economics, Management and Finance Vol. 2 No. 2 (2023): 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.v2i2.17

Abstract

The Covid-19 pandemic has hit Indonesia and almost in countries around the world, from this incident there are many impacts, one of which is on the community's economic sector, especially on UMKM actors. The impact caused by this incident is a decrease in sales turnover, and a decrease in product sales.  In addition, Micro, Small and Medium Enterprises (UMKM) are required to have business legality in order to compete in the global market era. And the legality of the business itself is a business license from an authority for the entire process of establishing a business activity or a sign that a product already has a license and can be circulated, so that consumers do not feel hesitant when they want to buy a product that has been marketed. However, there are still many UMKM actors in the Cihanjawar Village area who do not know and understand the importance of business legality in the form of making a Business Identification Number (NIB), because the local community has an understanding that managing a license and business legality is a complicated and takes a little time. And the Business Identification Number (NIB) itself, is a very important thing for business actors. In addition to the legality of the business, UMKM actors also need to attach importance to product packaging (packaging), because packaging not only functions as a wrapper for a product, but can also facilitate the process of distributing or shipping products to consumers' hands, and product storage so that product quality is maintained, promotional and can attractbuyers.  There are several researchers who use the implementation method in this community service activity using the  Participatort Action Research (PAR) method. The steps taken by the researcher at the time of service, first making observations in the environment of RT 07 RW 03 Cihanjawar Village, secondly socialization, third presentation of material, fourth practice and assistance. The results of community service that have been carried out include: Increasing the knowledge of UMKM in Cihanjawar Village, especially in RT 07 RW 03 in determining product packaging that aims to attract consumer interest and increase public interest in legalizing the type of business
Assistance In The Quality Of MSME Marketing Through Social Media Marketing Innovation For Banana Chip Business Actors In Tanjung Sarana Village, Cihanjawar Village In 2023 Fikri Irham Firdaus
ORGANIZE: Journal of Economics, Management and Finance Vol. 2 No. 2 (2023): 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.v2i2.18

Abstract

Marketing of UMKM in Cihanjawar village is still very lacking, due to limited knowledge about marketing using social media. The purpose of this service is to educate the public about marketing using social media facebook and whatsapp. The service method is carried out using the PAR (Participatory Action Research) method, which is a research method that is carried out definitively among community members. (Lorena Dara Putri Karsono, Fina Zahrotul Aniqoh, Chamidah Nor Aini, 2022). The steps taken by researchers in this service: first observing the potential of UMKM in Cihanjawar village, second innovating to make product packaging logos, third educating marketing using social media facebook and whatsapp. The result of this service is in the form of new product packaging using standing pouches along with packaging logos, and a wider market reach because it is marketed through social media. To find out an overview of how banana chip UMKM in Tanjung Sarana Village, Cihanjawar Village can take advantage of other social media by providing innovations in the products sold and expanding marketing by using Facebook, Whatsapp, for business benefits and introducing these products to the wider community in order to get a wider potential market share.

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