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INDONESIA
Jurnal Ekonomi dan Bisnis
Published by CV. Adiba Aisha Amira
ISSN : -     EISSN : 30218365     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ekonomi dan Bisnis adalah jurnal yang menerbitkan hasil penelitian, baik kajian teori maupun lapangan, baik secara umum maupun secara khusus yang berkaitan dengan bidang ekonomi dan bisnis.
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 17 Documents
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Search results for , issue "Vol. 3 No. 4 (2025): APRIL" : 17 Documents clear
FAKTOR – FAKTOR YANG MENENTUKAN KEPUTUSAN PEMBELIAN KENDARAAN DARI LUAR DAERAH DI KABUPATEN MIMIKA Raymandus R. Sahelangi; Seheril S. Pongsirante
Jurnal Ekonomi dan Bisnis Vol. 3 No. 4 (2025): APRIL
Publisher : ADISAM PUBLISHER

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Abstract

The purpose of this study was to identify the factors that determine the decision to purchase vehicles from outside the region in Mimika Regency. This study is a descriptive study using a quantitative approach. Based on the results of the analysis, it is known that there are three factors that are formed, namely price, brand image and availability. The most dominant factor is price, followed by brand image and the last is availability.
BAGI HASIL DAN LABA BERSIH PADA PERBANKAN SYARIAH Maria Sukma
Jurnal Ekonomi dan Bisnis Vol. 3 No. 4 (2025): APRIL
Publisher : ADISAM PUBLISHER

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Abstract

The principle of profit sharing is an operational alternative that can be applied in banking activities to avoid usury by sharing in profits and losses based on Islamic sharia. The principle of profit sharing is based on the principle of At Ta awun, which is mutual help and cooperation among members of society for the good and the principle of avoiding Al Iktinaz, which is to withhold money (funds) and leave it idle that does not revolve in transactions that are beneficial to the general public. The principle of profit sharing (Syirkah) is applied in the mudharabah contract. Mudharabah consists of mudharabah mutlaqah and mudharabah muqayyadah. The distribution of profits in mudharabah financing is in accordance with the agreed ratio and is calculated based on gross income (revenue sharing) from the business results of the mudharib. Because the funds used in mudharabah financing mostly come from community funds (third party funds), Islamic banks must take steps to ensure that the funds of depositors used in financing are not harmed because the risk in profit-sharing financing is relatively high. Efforts to rescue troubled financing are carried out by restructuring financing through rescheduling, increasing financing facilities and temporary capital participation. Meanwhile, efforts to resolve troubled financing are carried out through collateral, financing write-offs and dispute resolution both through litigation and non-litigation (arbitration).
PENGARUH UPAH MINIMUM KABUPATEN/KOTA (UMK) TERHADAP PENYERAPAN TENAGA KERJA DI KOTA BUKITTINGGI Afifah Khairyah; Amsah Hendri Doni
Jurnal Ekonomi dan Bisnis Vol. 3 No. 4 (2025): APRIL
Publisher : ADISAM PUBLISHER

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Abstract

The origin of this lesson comes from the incident involving workers in Bukittinggi which showed the disparity between UMK and worker absorption. Data shows that during the period 2014-2023, there were significant fluctuations in the workforce and the number of people working. A drastic spike in open unemployment was identified in 2018 reaching 31,185 people from the previous 4,185 people in 2017. Meanwhile, the UMK also showed an increasing trend from IDR 1,490,000 to IDR 2,742,467 in the same period. This lesson aims to explore UMK on labor absorption in Bukittinggi City. By applying a quantitative approach through simple regression analysis. This lesson shows the UMK with a sig value of 0.000 <0.05, which means that the UMK has a significant influence on labor absorption in Bukittinggi City of 57.5% and more than 42.5% is influenced by other factors. These findings indicate that employment policies need to focus on setting optimal UMK while still taking into account local labor market needs.
ANALISIS KONSEPTUAL TERHADAP FONDASI EKONOMI MAKRO ISLAM: STUDI LITERATUR Randi Muhammad Irawan; Ronal Jusupan Maulana; Suci Hayati
Jurnal Ekonomi dan Bisnis Vol. 3 No. 4 (2025): APRIL
Publisher : ADISAM PUBLISHER

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Abstract

This study aims to conceptually analyse the foundations of macroeconomics from an Islamic perspective through a library research approach. Islamic macroeconomics is part of the Islamic economic system that emphasises the values of justice, balance, and holistic welfare (falah) for the people. Unlike conventional economics, which is oriented towards growth and efficiency alone, Islamic economics incorporates moral, social, and spiritual elements into economic management. This study found that basic principles such as the prohibition of usury, fair distribution of wealth, and the importance of the state's role in maintaining economic balance are the main foundations of Islamic macroeconomics. Additionally, instruments such as zakat, infak, sedekah, wakaf, and baitul mal play a crucial role in creating a just and sustainable economic system. The findings of this study are expected to enrich the body of knowledge in Islamic economics and serve as a foundation for further applied research.
ANALISIS STRATEGI BAURAN PEMASARAN PADA TOKO BUNDA CAKE & BAKERY BUKITTINGGI MENURUT PERSPEKTIF BISNIS SYARIAH Nabila Rahmadani; Sandra Dewi
Jurnal Ekonomi dan Bisnis Vol. 3 No. 4 (2025): APRIL
Publisher : ADISAM PUBLISHER

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Abstract

This research is motivated by the increasingly competitive business competition in the culinary industry, especially the bakery business. In order to win the competition, business actors must pay attention to and apply the right marketing mix. This study aims to identify and analyze the implementation of the marketing mix at Bunda Cake & Bakery Bukittinggi. The purpose of this study is to determine how the marketing mix in facing competition at Bunda Cake & Bakery. This type of research is qualitative research with data collected through observation, interviews and documentation. The analysis technique used is data collection, data reduction, data presentation and drawing conclusions. Based on the results of the study of the four marketing mixes of Bunda Cake & Bakery, the price variable meets the good category, while the product and place variables are classified as medium categories and the promotion variable is classified as low categories. So for the product variable, it needs to be improved again, especially in the indicators of variation, quality, design and packaging. For the place/location variable, it is necessary to expand product distribution so that it can be more easily reached by consumers. The promotion variable needs to be improved again by using social media to expand market reach. From the results of the analysis conducted, in general the marketing mix applied according to the Islamic marketing concept is halal and thayyib products, flexible pricing and always maintaining the cleanliness of the place.
ANALISIS STRATEGI PEMASARAN TABUNGAN SIKOCI SYARIAH MENGGUNAKAN AKAD MUDHARABAH DALAM MENINGKATKAN JUMLAH NASABAH (STUDI KASUS BANK NAGARI CABANG SYARIAH PAYAKUMBUH) Gita Aprilia; Rahmi
Jurnal Ekonomi dan Bisnis Vol. 3 No. 4 (2025): APRIL
Publisher : ADISAM PUBLISHER

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Abstract

To put it simply, a bank is a type of financial institution that takes deposits of people's savings and then lends those funds out to them in various ways to raise everyone's level of living. Sikoci Syariah Savings, a superior product owned by Bank Nagari, is one of the many popular funding products in the community. It is based on the wadiah and mudharabah contract principles and offers annual increases to its customers. Qualitative descriptive research is what this study is all about. Interviews were held at the PT. Bank Nagari Sharia Branch Payakumbuh with customers, the marketing department's Deputy Manager, and other bank staff. Methods such as observation, interviews, and documentation are employed to gather data. The Marketing Mix is the instrument used for analyzing all of this data. One outcome of this research is the marketing approach used by the Payakumbuh branch of Bank Nagari Syariah to attract more consumers. This approach makes use of the marketing mix, which includes the following elements: product, price, place, promotion, people, physical evidence, process, public relations, and power strategy. (2) Efforts to address marketing strategy roadblocks in expanding the sikoci syariah mudharaba savings product's client base, including re-evaluating the target market, fostering customer contact, tailoring product development to customer needs, and providing exclusive deals.
ANALISIS IMPLEMENTASI ETIKA PEMASARAN SYARIAH PADA BANK BSI KCP LUBUK SIKAPING Widiati Lubis; Zulhelmi
Jurnal Ekonomi dan Bisnis Vol. 3 No. 4 (2025): APRIL
Publisher : ADISAM PUBLISHER

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Abstract

In a town like Lubuk Sikaping, where sharia-observant Muslims make up the vast majority of the population, this study assumes that Bank BSI KCP Lubuk Sikaping can help the company grow and succeed. Employees at Bank BSI KCP Lubuk Sikaping have done an excellent job implementing sharia marketing ethics, which has helped the bank attract trustworthy clients who are interested in applying for loans. There has been a failure to execute measures pertaining to honouring promises and communicating with clients since some personnel have not fulfilled their commitments and others have made blunders in their communication. This study aims to examine the implementation of sharia marketing ethics at Bank BSI KCP Lubuk Sikaping and poses the problem of how marketing ethics are being implemented there. The researcher relied on Mikro Relation and a number of Bank BSI KCP Lubuk Sikaping customers as key informants in this qualitative study that aimed to observe all relevant situations and events in relation to the accurate abstraction. Researchers documented their findings and gathered information through interviews and participant observation. Research findings indicate that Bank BSI KCP Lubuk Sikaping has implemented sharia marketing ethics by conducting marketing activities in line with religious values, morals, sharia principles, and company regulations, as well as by following the principles and indicators of sharia marketing ethics.
KONSEP UANG DALAM PERSPEKTIF EKONOMI ISLAM DAN KONVENSIONAL: KAJIAN KOMPARATIF BERBASIS LITERATUR Ely Elsanti; Nanda Tiara Dewi; Putri Rahmawati; Rana Asmaul Latif; Suci Hayati
Jurnal Ekonomi dan Bisnis Vol. 3 No. 4 (2025): APRIL
Publisher : ADISAM PUBLISHER

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Abstract

This study aims to compare the concept of money in the perspectives of Islamic economics and conventional economics, as well as to identify the implications and challenges in implementing the Islamic economic system in Indonesia. In conventional economics, money is viewed as a commodity that can be bought and sold to generate profit through interest or usury. Conversely, in Islamic economics, money serves solely as a legitimate medium of exchange and cannot be used to generate profit that contradicts Sharia principles, such as usury. This study shows that while the conventional economic system promotes rapid economic growth, it often leads to economic instability and social inequality. On the other hand, Islamic economics, which prioritises justice, transparency, and fair risk sharing, has the potential to create a more sustainable and inclusive economic system. However, the implementation of Islamic economics in Indonesia still faces several challenges, including low sharia financial literacy, gaps in understanding among the public, and regulations that are not yet fully supportive. Nevertheless, with greater support from the government, Islamic financial institutions, and the public, the Islamic economic system holds promising prospects for contributing to a more equitable and sustainable economic growth in Indonesia in the future.
ANALISIS PENGARUH PEMBIAYAAN USAHA RAKYAT TERHADAP PENGEMBANGAN UMKM DI KOTA BATUSANGKAR (STUDI KASUS UPS. PEGADAIAN SYARIAH) Sherin Afrila Putri; Cahya Agung Mulyana
Jurnal Ekonomi dan Bisnis Vol. 3 No. 4 (2025): APRIL
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Abstract

This thesis is entitled "Analysis of the Influence of People's Business Financing on the Development of Micro, Small and Medium Enterprises in Batusangkar City (Case Study of UPS Pegadaian Syariah)". Compiled by Sherin Afrila Putri NIM 3320169 Sharia Banking Study Program, State Islamic University (UIN) Sjech M. Djamil Djambek Bukittinggi. The purpose of this study is to determine how much influence People's Business Financing has on the Development of Micro, Small and Medium Enterprises. The type of research used is quantitative descriptive research. The data used is primary data, with a population of people's business financing in Batusangkar which uses data collection techniques with questionnaires and documentation. Data processing techniques use research instrument tests consisting of validity tests and reliability tests, classical assumption tests consisting of (normality tests, linearity tests), simple linear regression tests, hypothesis tests (t tests), coefficient of determination tests. The results of the study indicate that partially the people's business financing variable has an effect on the development of MSMEs with a significant value of 0.000 ≤0.05 for people's business financing simultaneously there is an influence of the business financing variable people on the development of MSMEs with a significant value of 0.000 ≤0.05, which means that there is an influence of people's business financing on the development of MSMEs. The large result of the determination coefficient test (R2) is 0.754, around 75.4% of the variables used, the remaining 24.6% is explained by other variables outside the regression model analyzed.
KAIDAH PENGELOLAAN BARANG MILIK NEGARA BERUPA RUMAH NEGARA MENURUT PERATURAN PERUNDANGAN MENUJU PENGELOLAAN YANG TERTIB DAN AKUNTABEL Taswin, Taswin; Arywarti Marganingsih
Jurnal Ekonomi dan Bisnis Vol. 3 No. 4 (2025): APRIL
Publisher : ADISAM PUBLISHER

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Abstract

The management of State-Owned Property in the form of State Houses towards orderly and accountable management requires efforts to organize its management. There are several problems encountered related to the management of State-Owned Property in the form of State Houses. The government has issued laws and regulations concerning the Management of State Property in the form of State Houses which aim to realize the management of State-Owned Property in the form of State Houses that is orderly and accountable. The research method used is a normative legal approach to explore provisions and through literature research/reviews. The rules that must be used in the management of State-Owned Property in the form of State Houses include the steps for managing State-Owned Property in the form of State Houses starting from planning, procurement, occupancy, maintenance, administration, division of authority and responsibility, organizational structure of management, security, and supervision and control. Handling of state assets in the form of State-Owned Property in the form of State Houses that follows the rules of good governance is one of the important basic capitals in preparing accountable reports.

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