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Jurnal Inovasi Bisnis Indonesia (JIBI)
Published by PT. Tangrasula Tekno Kreatif
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Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Inovasi Bisnis Indonesia (JIBI) is a national academic journal and open access that applies peer-reviewed by bestari partners published by PT Tangrasula Tekno Kreatif. Jurnal Inovasi Bisnis Indonesia (JIBI) acts as a communication medium for academics, practitioners and other related parties about research results and new thoughts in the fields of business, economics, management, entrepreneurship and others. JIBI is published four times a year (March, June, September and December).
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 50 Documents
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A PENGARUH OPINI AUDIT TAHUN SEBELUMNYA, LIKUIDITAS, DAN LEVERAGE TERHADAP OPINI AUDIT GOING CONCERN: PADA SEKTOR RETAIL TRADE PERIODE TAHUN 2019-2023 Anggun, Anggun Kurnia Izati; Richmayati, Maya; Laili, Nur Isra
Jurnal Inovasi Bisnis Indonesia (JIBI) Vol. 3 No. 1 (2025): September
Publisher : PT. Tangrasula Tekno Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61896/jibi.v3i1.105

Abstract

ABSTRAK Penilaian going concern sangat penting selama krisis keuangan atau kemerosotan ekonomi, seperti saat terjadi krisis nasional atau internasional seperti pandemi Covid-19. Penelitian ini memiliki tujuan untuk dapat mengetahui pengaruh audit sebelumnya, likuiditas, dan leverage terhadap opini audit going concern pada perusahaan Retail Trade di Bursa Efek Indomesia (BEI) periode tahun 2019-2023. Jenis penelitian yang dipakai dalam penelitian ini adalah pendekatan kuantitatif. Populasi yang digunakan dalam penelitian ini berjumlah 35 perusahaan sektor retail trade yang terdaftar di Bursa Efek Indonesia, dengan sampel diambil menggunakan teknik Purposive sampling yang mempertimbangkan beberapa kriteria- kriteria tertentu, sehingga menghasilkan sampel sebanyak 8 perusahaan. Sumber data yang diambil adalah data sekunder yang berupa laporan keuangan dan laporan audit perusahaan sektor retail trade tahun 2019-2023 yang diambil melalui website milik Bursa Efek Indonesia (www.idx.co.id) dan analisis menggunakan perangkat lunak SPSS versi 20 untuk analisis regresi linear berganda, dan uji hipotesis (uji T, uji F, dan uji koefisien determinasi (R2)). Hasil penelitian menunjukkan bahwa secara simultan pengaruh audit sebelumnya, likuiditas, dan leverage terhadap opini audit going concern dimana berpengaruh sebesar 47,7% dan sisanya 52,3% berpengaruh terhadap variabel lain. Secara parsial opini audit tahun sebelumnya berpengaruh positif dan signifikan, likuiditas tidak berpengaruh dan tidak signifikan, leverage berpengaruh negatif dan tidak signifikan terhadap opini audit going concern. Kata Kunci: Opini_Audit_Tahun_Sebelumnya, Likuiditas, Leverage, Opini_Audit_Going_Concern ABSTRACT Going concern assessments are particularly important during financial crises or economic downturns, such as during national or international crises like the Covid-19 pandemic. This study aims to determine the effect of previous audits, liquidity, and leverage on going concern audit opinions in manufacturing companies on the Indonesia Stock Exchange (IDX) for the period 2019-2023. The type of research used in this study is a quantitative approach. The population used in this study was 32 retail trade sector companies listed on the Indonesia Stock Exchange, with samples taken using the Purposive sampling technique that considers several specific criteria, resulting in a sample of 8 companies. The data sources taken are secondary data in the form of financial reports and audit reports of retail trade sector companies for 2019-2023 which were taken from the Indonesia Stock Exchange website (www.idx.co.id) and analysis using SPSS software version 20 for multiple linear regression analysis, and hypothesis testing (T test, F test, and coefficient of determination test (R2)). The results of the study indicate that simultaneously the effect of previous audits, liquidity, and leverage on going concern audit opinions has an effect of 47.7% and the remaining 52.3% has an effect on other variables. Partially, the previous year's audit opinion has a positive and significant effect, liquidity has no effect and is not significant, leverage has a negative and insignificant effect on the going concern audit opinion. Keywords: Previous_Year_Audit_Opinion, Liquidity, Leverage, Going_Concern_Audit_Opinion
PENGARUH SOSIAL DAN EKONOMI ASURANSI SYARIAH DALAM MASYARAKAT: Menelaah Peran Asuransi Syariah dalam Kehidupan Ekonomi dan Sosial Masyarakat Modern Fariz, Nauval Irsyad; Ivana, Keysya Nazwa; Adelia, Maya; Fazira, Salsa; Alfian, Dimas Ramadhani; Safriyansyah, Alvy
Jurnal Inovasi Bisnis Indonesia (JIBI) Vol. 3 No. 1 (2025): September
Publisher : PT. Tangrasula Tekno Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61896/jibi.v3i1.116

Abstract

ABSTRAK Meskipun asuransi syariah menawarkan berbagai manfaat, tingkat pemahaman dan penerimaan masyarakat terhadap produk ini masih beragam Penelitian ini bertujuan untuk mengkaji pengaruh sosial dan ekonomi asuransi syariah dalam kehidupan masyarakat. Metode penelitian ini menggunakan pendekatan kualitatif, dengan menggali bagaimana asuransi syariah memperkuat solidaritas sosial dan memberikan perlindungan finansial yang sesuai prinsip syariah. Hasil penelitian menunjukkan bahwa asuransi syariah tidak hanya meningkatkan rasa tolong-menolong dan kebersamaan di masyarakat, tetapi juga berkontribusi dalam pertumbuhan ekonomi melalui investasi yang halal dan inklusi keuangan. Faktor sosial seperti pemahaman agama dan budaya serta faktor ekonomi seperti pendapatan dan akses layanan memengaruhi tingkat penerimaan masyarakat terhadap produk asuransi syariah. Meskipun terdapat tantangan dalam literasi dan akses, peluang pengembangan asuransi syariah cukup besar, terutama dengan kemajuan teknologi digital. Penelitian ini memberikan rekomendasi untuk peningkatan edukasi, inovasi produk, dan kolaborasi antar pihak terkait guna memperkuat peran asuransi syariah dalam masyarakat. Kata kunci: asuransi_syariah, pengaruh_sosial, dampak_ekonomi, inklusi_keuangan, solidaritas_masyarakat ABSTRACT Although sharia insurance offers various benefits, the level of public understanding and acceptance of this product still varies. This study aims to examine the social and economic impact of sharia insurance on people's lives. This study uses a qualitative approach, exploring how sharia insurance strengthens social solidarity and provides financial protection in accordance with sharia principles. The findings reveal that Islamic insurance not only enhances mutual assistance and community cohesion but also contributes to economic growth through halal investments and financial inclusion. Social factors such as religious understanding and culture, as well as economic factors like income and service access, influence community acceptance of Islamic insurance products. Despite challenges in literacy and accessibility, there are significant opportunities for the development of Islamic insurance, especially with advancements in digital technology. This study recommends improving education, product innovation, and multi-stakeholder collaboration to strengthen the role of Islamic insurance in society. Keywords: Islamic_insurance, social_influence, economic_impact, financial_inclusion, community_solidarity
PRODUKSI HALAL DAN STANDAR SYARIAH DALAM INDUSTRI: Studi Kepatuhan Industri Terhadap Prinsip Halal dan Standar Syariah dalam Rantai Produksi Romadhon, M. Falih; Putri, Nivara Clara; Pratama, Risky Adi
Jurnal Inovasi Bisnis Indonesia (JIBI) Vol. 3 No. 1 (2025): September
Publisher : PT. Tangrasula Tekno Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61896/jibi.v3i1.117

Abstract

ABSTRAK Produksi halal dalam industri merupakan aspek krusial dalam menjamin kehalalan produk sesuai dengan prinsip syariah Islam. Penelitian ini bertujuan untuk menilai prinsip dan standar syariah yang mengatur proses produksi, sistem sertifikasi halal, serta peran lembaga pengawas dalam memastikan kepatuhan produk terhadap regulasi halal di Indonesia. Penelitian menggunakan metode kualitatif dengan pendekatan studi literatur untuk mengeksplorasi tantangan dan strategi penguatan industri halal berbasis syariah. Hasil penelitian mengungkapkan bahwa implementasi produksi halal masih menghadapi kendala seperti keterbatasan sumber daya, prosedur sertifikasi yang kompleks, serta kurangnya kesadaran konsumen. Oleh karena itu, diperlukan kolaborasi antara pemerintah, pelaku industri, lembaga pendidikan, dan masyarakat untuk memperkuat ekosistem industri halal secara berkelanjutan. Studi ini memberikan rekomendasi strategis guna meningkatkan efektivitas sertifikasi halal dan pemahaman syariah dalam industri. Kata Kunci: Produksi_halal, standar_syariah, sertifikasi_halal, industri_halal, regulasi_halal. ABSTRACT Halal production in the industry is a crucial aspect in ensuring product compliance with Islamic sharia principles. This study aims to assess the sharia principles and standards that govern the production process, the halal certification system, and the role of supervisory agencies in ensuring product compliance with halal regulations in Indonesia. The research employs a qualitative method with a literature study approach to explore challenges and strategies to strengthen the halal industry based on sharia. The findings reveal that the implementation of halal production still faces obstacles such as limited resources, complex certification procedures, and low consumer awareness. Therefore, collaboration among the government, industry players, educational institutions, and society is needed to strengthen the halal industry ecosystem sustainably. This study provides strategic recommendations to improve the effectiveness of halal certification and sharia understanding in the industry. Keywords: Halal_production, sharia_standards, halal_certification, halal_industry, halal_regulation.
L STRATEGI MARKETING RUJAK KELANG PENANTIAN MELALUI IKLAN BERBASIS SYARI’AH lutfiyanto, lutfiyanto; Pornomo, Hadi
Jurnal Inovasi Bisnis Indonesia (JIBI) Vol. 3 No. 1 (2025): September
Publisher : PT. Tangrasula Tekno Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61896/jibi.v3i1.128

Abstract

ABSTRAK Penelitian ini mengkaji strategi pemasaran Rujak Kelang Penantian di Desa Jarin, Kecamatan Pademawu, Kabupaten Pamekasan, yang berbasis iklan syariah. Mengacu pada prinsip perdagangan Rasulullah SAW, seperti keadilan, kejujuran, komunikasi yang baik, dan landasan Al-Qur’an, penelitian ini bertujuan untuk menganalisis penerapan iklan berbasis syariah dalam meningkatkan daya tarik produk dan memperkuat hubungan dengan pelanggan. Dengan pendekatan kualitatif, data dikumpulkan melalui wawancara langsung dengan pemilik usaha, karyawan, dan konsumen, serta data sekunder dari media sosial seperti Facebook dan WhatsApp. Hasil penelitian menunjukkan bahwa strategi pemasaran syariah yang diterapkan meliputi iklan tidak berbayar, penekanan pada kualitas dan manfaat produk, serta edukasi tentang pentingnya produk halal dan berkualitas. Faktor pendukung strategi ini adalah kemudahan penggunaan media sosial, sementara faktor penghambatnya adalah lokasi penjualan yang jauh dari pusat kota Pamekasan. Penelitian ini memberikan rekomendasi untuk pengembangan strategi pemasaran syariah yang lebih efektif guna mendukung keberlanjutan usaha mikro, kecil, dan menengah (UMKM) di daerah pedesaan. Kata Kunci: UMKM, Media_Sosial, Prinsip_Islam, Kejujuran, Keadilan ABSTRACT This study examines the marketing strategy of Rujak Kelang Penantian in Jarin Village, Pademawu Sub-district, Pamekasan Regency, which is based on sharia-compliant advertising. Drawing on the trading principles of Prophet Muhammad SAW, such as justice, honesty, effective communication, and adherence to the Qur’an, this research aims to analyze the implementation of sharia-based advertising in enhancing product appeal and strengthening customer relationships. Employing a qualitative approach, data were collected through direct interviews with the business owner, employees, and customers, as well as secondary data from social media platforms such as Facebook and WhatsApp. The findings reveal that the sharia-based marketing strategy includes non-paid advertisements, an emphasis on product quality and benefits, and education about the importance of halal and high-quality products. The supporting factor is the ease of using social media, while the main obstacle is the sales location, which is far from the city center of Pamekasan. This study provides recommendations for developing more effective sharia-based marketing strategies to support the sustainability of micro, small, and medium enterprises (MSMEs) in rural areas. Keywords: MSMEs, Social_Media, Islamic_Principles, Honesty, Justice
PENGARUH PERSEPSI WAJIB PAJAK MUSLIM TERHADAP ZAKAT SEBAGAI PENGURANG PENGHASILAN KENA PAJAK A.S, Arwana; Rusli, Andika; Duriani, Duriani
Jurnal Inovasi Bisnis Indonesia (JIBI) Vol. 3 No. 1 (2025): September
Publisher : PT. Tangrasula Tekno Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61896/jibi.v3i1.133

Abstract

ABSTRAK Zakat menggambarkan ketaatan seorang muslim terhadap Allah SWT dan merupakan solidaritas seorang muslim dalam kehidupan bermasyarakat. Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh religiusitas, aspek halal-haram, dan kesadaran hukum terhadap zakat sebagai pengurang pengurang penghasilan kena pajak. Populasi dan sampel penelitian ini adalah wajib pajak muslim yang bekerja sebagai guru pada sekolah di Kota Palopo. Jenis data penelitian ini menggunakan data primer berupa kuesioner. Analisis data menggunakan analisis regresi linear berganda menggunakan Statistical Packages for Social Science (SPSS). Hasil penelitian menunjukkan bahwa religiusitas, aspek halal-haram, dan kesadran hukum berpengaruh positif dan signifikan terhadap zakat sebagai pengurang penghasilan kena pajak   Kata Kunci: Religiusitas, Aspek_Halal-Haram, Kesadaran_Hukum, Zakat, Pajak. ABSTRACT Zakat reflects a Muslim's obedience to Allah SWT and is a form of solidarity among Muslims in society. This study aims to determine and analyze the effect of religiosity, halal-haram aspects, and legal awareness on zakat as a deduction for taxable income. The population and sample of this research are Muslim taxpayers who work as teachers at schools in Palopo City. This type of research data uses primary data in the form of a questionnaire. Data analysis used multiple linear regression analysis using Statistical Packages for Social Science (SPSS). The results showed that religiosity, halal-haram aspects, and legal awareness had a positive and significant effect on zakat as a deduction from taxable income.   Keywords: Religiosity, halal-haram_Aspect, Legal_Awareness, Zakat, Tax.
INTEGRASI DYNAMIC CAPABILITY DAN STRATEGI PELAYANAN DALAM MENINGKATKAN KINERJA UMKM KULINER: DYNAMIC CAPABILITY Safitri, Sesa Dila; Mutiara, Serni; Sanjaya, Vicky F
Jurnal Inovasi Bisnis Indonesia (JIBI) Vol. 3 No. 2 (2025): December
Publisher : PT. Tangrasula Tekno Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61896/jibi.v3i2.145

Abstract

ABSTRAK UMKM kuliner menghadapi perubahan pasar yang semakin dinamis seiring berkembangnya preferensi konsumen, digitalisasi pembayaran, serta meningkatnya persaingan bisnis. Kemampuan adaptasi pelaku usaha menjadi faktor penting dalam mempertahankan kinerja dan relevansi usaha. Penelitian ini bertujuan menganalisis bagaimana integrasi dynamic capability dan strategi pelayanan berkontribusi terhadap peningkatan kinerja UMKM kuliner melalui studi kasus Bubur Ayam Mas Mul. Pendekatan penelitian menggunakan metode kualitatif dengan desain studi kasus. Data primer berasal dari transkrip wawancara pemilik usaha, sedangkan data sekunder diperoleh dari jurnal akademik terkait kapabilitas dinamis, pelayanan, dan UMKM. Analisis dilakukan menggunakan open coding untuk mengidentifikasi kategori sensing, seizing, transforming, strategi pelayanan, dan dampaknya terhadap kinerja usaha. Hasil penelitian menunjukkan bahwa kemampuan membaca perubahan pasar mendorong pengambilan keputusan strategis seperti penambahan menu, peningkatan kapasitas produksi, pemanfaatan media digital, serta penggunaan layanan pemesanan daring. Transformasi operasional tercermin melalui konsistensi rasa, kecepatan pelayanan, dan adaptasi terhadap teknologi pembayaran. Integrasi dynamic capability dan pelayanan terbukti meningkatkan pengalaman pelanggan dan memperkuat kinerja usaha. Penelitian ini memperlihatkan bahwa pelayanan berperan sebagai jembatan antara kemampuan adaptasi dan peningkatan performa UMKM dalam menghadapi perubahan pasar. Kata Kunci: Adaptasi_Pasar, Dynamic_Capability, Kinerja_Usaha, Pelayanan, UMKM_Kuliner ABSTRACT Culinary MSMEs operate in a rapidly changing market shaped by shifting consumer preferences, digital payment adoption, and increasing competition. The ability to adapt becomes essential for sustaining performance and maintaining business relevance. This study aims to analyze how the integration of dynamic capability and service strategy contributes to improving the performance of culinary MSMEs through a case study of Bubur Ayam Mas Mul. The research applies a qualitative method using a case study design. Primary data were obtained from interview transcripts with the business owner, while secondary data were sourced from academic journals related to dynamic capabilities, service quality, and MSME performance. Data were analyzed using open coding to identify categories of sensing, seizing, transforming, service strategy, and their impact on business performance. The findings show that the owner’s ability to sense market changes drives strategic decisions such as menu expansion, increased production capacity, digital promotion, and engagement with food delivery platforms. Operational transformation is reflected in consistent taste, fast service, and adaptation to digital payment technologies. The integration of dynamic capability and service quality enhances customer experience and strengthens business performance. This study highlights that service quality acts as a bridge linking adaptive capability with improved performance among culinary MSMEs facing market changes. Keywords: Business_Performance, Dynamic_Capability, Market_Adaptation, MSMEs, Service_Strategy
PENGARUH TENAGA KERJA EKONOMI KREATIF DAN PERSENTASE PENGGUNAAN INTERNET TERHADAP PDRB 34 PROVINSI DI INDONESIA TAHUN 2022-2023 Sandi, sherlitha; Anjani, Salsabila; Aulia, Salsabila; Firdaus, Anzar Alfat; Ilma, Ajeng Faizah Nijma
Jurnal Inovasi Bisnis Indonesia (JIBI) Vol. 3 No. 2 (2025): December
Publisher : PT. Tangrasula Tekno Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61896/jibi.v3i2.146

Abstract

ABSTRAK Di era digital sekarang, kreativitas dan inovasi didukung oleh tenaga kerja kreatif serta akses teknologi memungkinkan produk dan jasa kreatif menjangkau pasar lebih luas, meningkatkan daya saing, serta mendorong peningkatan output ekonomi. Penelitian ini bertujuan menganalisis pengaruh tenaga kerja ekonomi kreatif dan persentase penduduk yang mengakses internet terhadap PDRB provinsi di Indonesia. Penelitian menggunakan metode regresi data panel dengan observasi 34 provinsi selama periode 2022-2023. Hasil analisis menunjukkan bahwa kedua variabel berpengaruh positif dan signifikan terhadap PDRB, yang berarti peningkatan jumlah tenaga kerja kreatif serta perluasan akses internet mampu memperkuat kinerja ekonomi dearah. Temuan ini mengimplikasikan perlunya pengembangan ekosistem kretaif dan penguatan infrastruktur digital. Penelitian ini menyimpulkan bahwa tenaga kerja kreatif dan akses internet merupakan pendorong pertumbuhan ekonomi regional, serta menyarankan peningkatan keterampilan tenaga kerja, pemerataan akses internet, dan perluasan variabel serta periode data untuk penelitian selanjutnya. Kata Kunci: PDRB, Ekonomi_Kreatif, Tenaga_Kerja_Kreatif, Internet, Data_Panel ABSTRACT In today's digital age, creativity and innovation are supported by a creative workforce and access to technology, enabling creative products and services to reach a wider market, increase competitiveness, and drive economic growth. This study examines the effect of creative economy labor and internet access on the GRDP of Indonesian provinces. Using panel data regression for 34 provinces during 2022–2023. the results show that both variables have a positive and significant impact on GRDP, indicating that expanding creative labor and internet access strengthens regional economic performance. These findings imply the need to develop creative economy ecosystems and improve digital infrastructure. The study concludes that creative labor and internet access drive regional economic growth and recommends enhancing workforce skills, expanding internet access, and extending data coverage and variables in future research. Keywords: GRDP, Creative_Economy, Creative_Labor, Internet, Panel_Data
ANALISIS FAKTOR PENDORONG DAN PENGHAMBAT PENGGUNAAN E-WALLET HALAL DI KALANGAN MAHASISWA PERGURUAN TINGGI DI JAWA TENGAH Djibran, Ridwan Abu; Adinugraha, Hendri Hermawan
Jurnal Inovasi Bisnis Indonesia (JIBI) Vol. 3 No. 2 (2025): December
Publisher : PT. Tangrasula Tekno Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61896/jibi.v3i2.147

Abstract

ABSTRAK Seiring dengan meningkatnya permintaan akan layanan keuangan yang sesuai syariah, muncul ide baru bernama dompet digital halal. Jenis dompet ini tidak hanya berfokus pada teknologi dan kemudahan penggunaan, tetapi juga mengikuti aturan Islam, seperti menghindari bunga, ketidakpastian, dan aktivitas terlarang lainnya. Penelitian ini bertujuan untuk melihat hal-hal yang mendorong dan menghambat penggunaan dompet digital halal di kalangan mahasiswa di Jawa Tengah. Penelitian ini dilatarbelakangi oleh adanya peningkatan penggunaan dompet digital secara umum, namun adopsi dompet digital halal masih rendah. Dalam penelitian ini, dijelaskan tentang literasi keuangan Islam, teori tentang penggunaan teknologi, dan peran kepercayaan terhadap kepatuhan syariah. Metode penelitian menggunakan pendekatan kuantitatif dengan memberikan kuesioner kepada mahasiswa aktif, kemudian hasilnya dianalisis menggunakan metode regresi linier berganda. Hasil menunjukkan bahwa faktor-faktor seperti tingkat literasi keuangan Islam, kemudahan penggunaan, tren kebiasaan masyarakat tanpa menggunakan uang tunai, serta keyakinan terhadap kepatuhan syariah menjadi hal utama yang mendorong penggunaan dompet digital halal. Namun, ada beberapa hambatan seperti kurangnya pemahaman tentang keuangan syariah, persepsi mengenai risiko, lebih suka menggunakan uang tunai, keterbatasan infrastruktur, serta masih kurangnya sertifikasi halal. Dari penelitian ini dapat disimpulkan bahwa perlu adanya edukasi mengenai literasi keuangan syariah, peningkatan jaminan halal, dan memperluas jaringan merchant. Untuk mengoptimalkan adopsi dompet digital halal di kalangan mahasiswa, diperlukan kolaborasi antara regulator, penyedia fintech, dan institusi pendidikan. Kata Kunci: E-Wallet_Halal, Literasi_Keuangan, Mahasiswa, Faktor_Pendorong, Faktor_Penghambat   ABSTRACT Along with the increasing demand for Sharia-compliant financial services, a new idea called the halal digital wallet has emerged. This type of wallet not only focuses on technology and ease of use, but also follows Islamic rules, such as avoiding interest, uncertainty, and other prohibited activities. This study looks at the reasons why university students in Central Java use or don't use halal e-wallets. Even though digital wallets are becoming more popular, halal e-wallets aren't widely adopted. The research looks at several ideas, including how much students know about Islamic finance, how they adopt new technologies, and how much they trust that these wallets follow Sharia rules. To collect data, the study used questionnaires given to students who are actively using e-wallets. The data was then analyzed using multiple linear regression. The results show that factors like understanding Islamic finance, how easy it is to use the wallets, the rising trend of cashless payments, and trust in Sharia compliance are main reasons people use halal e-wallets. On the other hand, things like not knowing much about Islamic finance, worrying about security, preferring to use cash, poor infrastructure, and not enough halal certification are reasons people don’t use them. The study suggests that improving financial literacy, making sure products are halal, and getting more businesses to accept these wallets can help. It also says that working together between government regulators, fintech companies, and schools is important to make halal e-wallets more popular among students. Keywords: Halal_E-Wallet, Financial_Literacy, Students, Driving_Factors, Inhibiting_Factors
PENGEMBANGAN KAMPUNG WISATA TEMATIK SEBAGAI INSTRUMEN PENGUATAN EKONOMI KREATIF DI KOTA SURABAYA Hilman, Muhammad; Wahed, Mohammad
Jurnal Inovasi Bisnis Indonesia (JIBI) Vol. 3 No. 2 (2025): December
Publisher : PT. Tangrasula Tekno Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61896/jibi.v3i2.148

Abstract

ABSTRAK Ekonomi kreatif menjadi salah satu sektor yang mulai diinisiasi oleh Pemerintah Kota Surabaya, dan digadang-gadang akan menjadi salah sektor penguat perekonomian kota. Melalui pendekatan deskriptif kualitatif, penelitian ini mengevaluasi integrasi kearifan lokal, partisipasi masyarakat, dan dukungan kebijakan pemerintah di beberapa kampung unggulan. Data dihimpun melalui observasi, wawancara mendalam, dan studi dokumentasi. Hasil penelitian menunjukkan bahwa transformasi kampung kota menjadi pusat ekonomi berbasis komunitas berkontribusi signifikan terhadap peningkatan pendapatan rumah tangga melalui aktivasi berbagai subsektor ekonomi kreatif. Model tata kelola kolaboratif (pentahelix) diidentifikasi sebagai faktor kunci keberhasilan, meskipun tantangan terkait standardisasi kualitas dan digitalisasi pemasaran masih ditemukan. Penelitian ini merekomendasikan penguatan literasi digital dan akses permodalan guna menjamin keberlanjutan serta resiliensi ekonomi lokal. Kata Kunci: Kampung_Tematik, Ekonomi_Kreatif, Tata_Kelola_Kolaboratif, Peningkatan_Ekonomi, Resiliensi_Ekonomi ABSTRACT The creative economy has become one of the sectors initiated by the Surabaya City Government and is projected to become a key pillar of the city's economic strength. Utilizing a descriptive qualitative approach, the research evaluates the integration of local wisdom, community participation, and government policy support across several prominent villages. Data were gathered through field observations, in-depth interviews with stakeholders, and documentary studies. The results indicate that transforming urban villages into community-based economic hubs contributes significantly to increasing household income through the activation of creative economy subsectors. A collaborative governance model (pentahelix) was identified as the key success factor, although challenges regarding product quality standardization and digital marketing persist. The study recommends the enhancement of digital literacy and broader access to capital for creative actors at the village level to ensure local economic resilience. Keywords: Thematic_Village, Creative_Economy, Collaborative_Governance, Economy_Growth, Economy_Recilience
Pengembangan Potensi Ekonomi Kreatif Berbasis Budaya di Kawasan Gunung Padang Kabupaten Cianjur Khotimah, Rizky Nurul; Jaeni, Jaeni; Fussalam, Yahfenel Evi
Jurnal Inovasi Bisnis Indonesia (JIBI) Vol. 3 No. 2 (2025): December
Publisher : PT. Tangrasula Tekno Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61896/jibi.v3i2.149

Abstract

ABSTRAK Kawasan Gunung Padang Kabupaten Cianjur memiliki potensi budaya dan sejarah yang besar sebagai aset pengembangan ekonomi kreatif. Keberadaan situs megalitikum tertua di Asia Tenggara tidak hanya bernilai arkeologis, tetapi juga berpeluang menjadi penggerak ekonomi masyarakat melalui pemanfaatan sumber daya budaya secara berkelanjutan. Penelitian ini bertujuan untuk mengkaji potensi ekonomi kreatif berbasis budaya serta merumuskan strategi pengembangannya di kawasan Gunung Padang. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui observasi, wawancara, dan studi dokumentasi. Hasil penelitian menunjukkan bahwa sektor ekonomi kreatif yang berpotensi dikembangkan meliputi kerajinan tangan, seni pertunjukan, kuliner tradisional, serta produk kreatif berbasis narasi sejarah dan kearifan lokal. Namun, pengembangannya masih menghadapi kendala berupa keterbatasan sumber daya manusia, promosi yang belum optimal, serta sinergi antar pemangku kepentingan yang belum terintegrasi. Oleh karena itu, diperlukan strategi penguatan kapasitas masyarakat, kolaborasi antara pemerintah, komunitas budaya, dan pelaku usaha kreatif, serta pemanfaatan media digital sebagai sarana promosi. Pengembangan ekonomi kreatif berbasis budaya di kawasan Gunung Padang diharapkan mampu meningkatkan kesejahteraan masyarakat sekaligus memperkuat identitas budaya lokal secara berkelanjutan. Kata kunci: Ekonomi_Kreatif, Berbasis_Budaya, Gunung_Padang, Kearifan_Lokal, Pengembangan_Masyarakat ABSTRACT The Gunung Padang area of ​​Cianjur Regency has significant cultural and historical potential as an asset for creative economy development. The oldest megalithic site in Southeast Asia is not only of archaeological value but also offers the potential to drive the community's economy through the sustainable use of cultural resources. This study aims to assess the potential of a culture-based creative economy and formulate a strategy for its development in the Gunung Padang area. This research used a descriptive qualitative approach, with data collection techniques including observation, interviews, and documentation studies. The results indicate that creative economy sectors with potential for development include handicrafts, performing arts, traditional culinary arts, and creative products based on historical narratives and local wisdom. However, their development still faces obstacles such as limited human resources, suboptimal promotion, and lack of integrated synergy between stakeholders. Therefore, strategies are needed to strengthen community capacity, collaborate between the government, cultural communities, and creative entrepreneurs, and utilize digital media as a promotional tool. The development of a culture-based creative economy in the Gunung Padang area is expected to improve community welfare while strengthening local cultural identity in a sustainable manner. Keywords: Creative_Economy, Culture_Based, Gunung_Padang, Local_Wisdom, Community_Development

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