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Usman Jayadi
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International Journal of Economics, Management and Accounting
Published by CV. LAFADZ JAYA
ISSN : -     EISSN : 29887615     DOI : -
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
International Journal of Economics, Management and Accounting (IJEMA) | ISSN (e): 2988-7615 publishes research articles related to Economics, Management and Finance. The research studies that are acceptable for publication in this journal are: Economics: development economics, applied economics, monetary economics, public economics, industrial economics, international and regional economics, natural resource economics, human resource economics, and sharia economics). Management: Strategic Management, Marketing Management, Public Relations Management, Sales Management, Procurement Management, Finance and Accounting Management, Human Resources Management, Technology and Information Management, R&D Management, Engineering Management, Project Management, Risk Management, Change Management). Accounting: Financial Accounting, Auditing, Management Accounting, Cost Accounting, Tax Accounting, Budgeting, Governmental Accounting, and Accounting System.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 5 Documents
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Search results for , issue "Vol. 3 No. 8 (2026): January" : 5 Documents clear
The Influence of Islamic Economic Education on the Level of Public Awareness in Managing Finances Dwi Ayu Widyaningsih; Emilda Sari; Selly Silviawati; Asep Muhammad Adam; Panji Lukito; Majdi Kasheem
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 8 (2026): January
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i8.361

Abstract

This study aims to analyze the influence of Islamic economic education on the level of public awareness in managing finances. The research method used is descriptive qualitative research with data collection techniques through interviews and observations. The research sample consisted of 20 respondents consisting of the public who are active in Islamic economic activities. The results of the study indicate that Islamic economic education has a significant influence on the level of public awareness in managing finances, which is reflected in several aspects, namely increased awareness of the importance of managing finances in an Islamic manner, increased community ability to manage finances effectively and efficiently, and increased awareness of the importance of zakat and alms to improve community welfare. The conclusion of this study is that Islamic economic education plays an important role in increasing public awareness in managing finances. Therefore, it is recommended for Islamic economic education institutions to improve the quality of economic education delivered to the community.
The Influence of Financial Literacy, Social Capital, Financial Inclusion, and Communication Skills on the Reach of Financial Institutions and Their Impact on the Effectiveness of Ultra Micro Financing (Case Study of MSMEs in Subang Regency) Fenny Damayanti Rusmana; Jaja Suteja; Atang Hermawan
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 8 (2026): January
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i8.362

Abstract

This study aims to analyze the influence of financial literacy, social capital, financial inclusion, and communication skills on the reach of financial institutions and their impact on the effectiveness of ultra-micro financing. The research used a quantitative survey method through the distribution of questionnaires to MSMEs in Subang Regency. Data were analyzed using Structural Equation Modeling (SEM). The results showed that financial literacy, social capital, financial inclusion, and communication skills simultaneously influence the reach of financial institutions. Partially, financial literacy and social capital do not influence the reach of financial institutions, while financial inclusion and communication skills do. Furthermore, this study found that the reach of financial institutions influences the effectiveness of ultra-micro financing. These findings provide insights for financing program managers and policymakers to improve program effectiveness by strengthening financial inclusion and the communication skills of MSMEs.
The Role of Islamic Financial Institutions in Supporting National Economic Development Agus Koni; Triana Apriani; Dayat Hidayat; Nurul Lailatul Vitriyah; Selly Silviawati
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 8 (2026): January
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i8.363

Abstract

Sustainable national economic development requires support from various sectors, including the financial sector. In recent years, Islamic Financial Institutions (IFIs) have grown rapidly and made significant contributions to supporting national economic development. This study aims to analyze the role of Islamic Financial Institutions in supporting national economic development. This study uses a descriptive qualitative approach. Research data were obtained through in-depth interviews with respondents from Islamic financial institutions, the government, and entrepreneurs. The results show that Islamic Financial Institutions play a significant role in supporting national economic development in several ways, namely: increasing financial access for communities underserved by the conventional financial system, providing more innovative and diverse financial product and service development. In conclusion, the Role of Islamic Financial Institutions in Supporting National Economic Development is increasing transparency and accountability in financial management and supporting regional economic development through the development of micro and small-scale finance. Islamic financial institutions play a significant role in supporting national economic development. Therefore, the government and financial institutions need to continue supporting and strengthening the role of Islamic financial institutions in improving the economic welfare of the community.
Application of Sharia Economic Principles in Stock Trading Yana Mas’ud Tasdiq; Sugeng Ahmad Riyadi; Nurul Lailatul Vitriyah; Atika Rahma; Wiwin Suhada
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 8 (2026): January
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i8.364

Abstract

Stock trading is a key asset in the investment world, but its practice is often influenced by non-sharia economic aspects that do not always align with Islamic principles. Therefore, this study aims to analyze the application of sharia economic principles in stock trading on the Indonesian stock exchange. This study aims to describe the application of sharia economic principles in stock trading in the Indonesian capital market. This study uses a descriptive qualitative approach by conducting in-depth interviews with investors, market analysts, and sharia finance practitioners. Data were collected through interviews and processed through thematic analysis to identify themes and subthemes related to the application of sharia economic principles in stock trading. The results show that most companies implementing sharia economic principles in their stock trading have increased transparency and accountability in reporting financial performance and business policies. They have also improved the quality of management and internal auditing to ensure that all transactions and business decisions are in accordance with sharia principles. However, this study also found that there are still many challenges faced by companies in implementing sharia economic principles in stock trading, such as the lack of ability and knowledge of sharia principles among company staff and the lack of clear and consistent regulations from capital market authorities.
The Economics of Uncertainty: A New Theoretical Framework for Decision-Making in a Volatile World Nti Frank Paul Mathews; George Kushiator
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 8 (2026): January
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i8.236

Abstract

This study develops a new theoretical framework for understanding economic decision-making under conditions of persistent uncertainty. Traditional economic models largely assume rational agents operating in stable environments with predictable risks, thereby limiting their applicability in today’s volatile and complex global economy. Increasing economic turbulence—driven by financial instability, technological disruption, and geopolitical uncertainty—has exposed the limitations of risk-based models and highlighted the need for a broader conceptualization of uncertainty. Adopting a qualitative conceptual approach, this study synthesizes insights from behavioral economics, institutional theory, and complexity economics to construct an integrative framework. The proposed model distinguishes between risk, ambiguity, and deep uncertainty, emphasizing that decision-making processes vary significantly across these conditions. It conceptualizes economic agents as adaptive decision-makers who rely not only on optimization but also on heuristics, learning, and institutional context. The framework identifies three key dimensions influencing decision-making under uncertainty: cognitive adaptation, structural constraints, and institutional guidance. These dimensions interact dynamically, shaping both individual and organizational responses to uncertainty. The study argues that uncertainty is not merely a constraint but also a driver of innovation, strategic flexibility, and systemic transformation. This research contributes to the literature by advancing a unified theory of economic decision-making under uncertainty, moving beyond traditional equilibrium-based models. It provides a foundation for future empirical research and offers policy-relevant insights for managing uncertainty in an increasingly volatile global economy.

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