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Santri : Jurnal Ekonomi dan Keuangan Islam
Published by Asosiasi Riset Ekonomi dan Akuntansi Indonesia
ISSN : 30255910     EISSN : 30257948     DOI : 10.61132
Core Subject : Religion, Economy, Science,
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Ilmu bidang Ekonomi dan Akuntansi, sebagai media bagi para dosen, guru, peneliti dan para praktisi dalam bidang Ekonomi dan Manajemen
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 234 Documents
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Peran Strategis Baitul Maal Wat Tamwil dalam Menyediakan Pembiayaan Syariah Berbasis Leasing dan Modal Ventura Afna Eka Widyastuti; Mukhtar Lutfi
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i1.1235

Abstract

This study aims to analyze the strategic role of Baitul Maal Wat Tamwil (BMT) in providing leasing based sharia financing (ijarah) and ventura capital (mudharabah and musyarakah) for Micro, Small and Medium Enterprises (MSMEs) in Indonesia. BMT functions as a microfinance institution that provides solutions to the capital challenges faced by MSMEs, including lack of access to conventional financing and low sharia financial literacy. Through the leasing scheme, BMT facilitates the rental of assets needed by MSMEs without requiring large initial capital. Meanwhile, the venture capital scheme allows BMT to share risks and profits with MSME actors, encouraging strategic collaboration. This study also discusses the challenges of implementing sharia financing by BMT, including the low public understanding of sharia products. With a descriptive literature approach, this study finds that BMT has significant potential in increasing financial inclusion and encouraging the sustainability of the sharia economy in Indonesia.
Koperasi Syariah : Solusi Ekonomi Berbasis Syariah untuk Kesejahteraan Umat Syarifa Khaerunnisa; Amiruddin Amiruddin; Mukhtar Lutfi
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i1.1236

Abstract

Sharia cooperatives are Sharia-based economic institutions that play a strategic role in empowering the economy of the Muslim community. By adhering to principles such as the prohibition of riba (usury), gharar (uncertainty), and maysir (gambling), as well as implementing profit-sharing systems (mudharabah or musharakah), Sharia cooperatives provide a fair, transparent, and inclusive alternative to support economic activities in society. These cooperatives aim not only to achieve financial gains but also to fulfill social missions, such as poverty alleviation, equitable welfare distribution, and holistic improvement of the community’s quality of life. Various products and services offered—such as Sharia savings, halal financing, and Sharia-compliant investments—provide financial solutions that align with Islamic values and meet societal needs. Nevertheless, the implementation of Sharia cooperatives faces several challenges, including limited public understanding, competition with conventional financial institutions, and constraints in human resources and capital. Through public education, capacity building for cooperative managers, and comprehensive government policy support, Sharia cooperatives hold great potential to become a key instrument in fostering a more just, equitable, and sustainable economy. This study emphasizes the importance of integrating Sharia values into cooperative management to ensure its contribution to the sustained welfare of the community.
Dampak Zis, Korupsi, Dan Pendidikan Terhadap Tingkat Ketimpangan Pendapatan di Negara Berkembang: Studi Kasus di Indonesia Ramadhansyah Rayyan Effendy; Verina Araminda Prinary; Cupian Cupian; Ardi Apriliadi
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i1.1241

Abstract

This study seeks to examine and assess the influence of Zakat, Infaq, and Sedekah (ZIS), corruption, and education on income inequality in Indonesia. The research uses a saturated sampling method, collecting data from the National Zakat Amil Agency (BAZNAS), Transparency International, the Central Statistics Agency (BPS), and the World Bank. The analysis uses quantitative time-series data from 2011 to 2022, processed with Stata 15, and employs multiple linear regression as the analytical method. The results indicate that ZIS has a significant negative effect on income inequality, while corruption also significantly reduces income inequality. On the other hand, education shows a positive but statistically insignificant effect. The coefficient of determination test reveals that 93.06% of the variation in income inequality can be explained by ZIS, corruption, and education, with the remaining 6.94% attributed to other factors not included in the study. Additionally, the findings suggest that ZIS and corruption together have a notable influence on income inequality.
Pengaruh Kemudahan Penggunaan, Pengalaman Pengguna dan Kepuasan Pelanggan, Terhadap Perilaku Pengguna Aplikasi E-commerce pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas 17 Agustus 1945 Surabaya. Dwi Rijal Giri Prabowo; Ulfi Pristiana
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i1.1243

Abstract

This study analyses the effect of ease of use, user experience, and customer satisfaction on user behaviour of e-commerce applications for students of the Faculty of Economics and Business, Universitas 17 Agustus 1945 Surabaya. The method used is causal associative quantitative with data collection through questionnaires on 122 respondents. The results showed that the three variables had a significant effect on user behaviour. Ease of use (p = 0.026), user experience (p = 0.002), and customer satisfaction (p = 0.002) each have a positive influence on user behaviour. Simultaneously, these three factors also had a significant effect (Fcount = 25.059, p = 0.001). The findings support the theories of Technology Acceptance Model (TAM), Theory of Planned Behaviour (TPB), and Customer Experience Theory (CET). The practical implication is that app developers need to focus on easy-to-use design, pleasant user experience, and increased customer satisfaction to increase loyalty. This study has limitations in the sample of university students and the cross-sectional method which does not allow for long-term generalisation.
Pengaruh Perputaran Kas, Perputaran Persediaan dan Pengendalian Piutang terhadap Likuiditas Perusahaan: Studi Kasus pada Perusahaan Manufaktur Periode 2021-2023 Setyobudi Setyobudi
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i1.1265

Abstract

This study aims to determine the effect of cash turnover, inventory turnover and accounts receivable control on company liquidity. The data used are the financial statements of manufacturing companies listed on the Indonesia Stock Exchange (IDX) from 2021 to 2023 which are published via www.idx.com. The number of samples used was 42 companies. The method used in this research is quantitative method, while the data is analyzed using descriptive statistics, classical assumption test and multiple linear regression. The results showed that negative cash turnover had no effect on liquidity, negative inventory turnover had no effect on liquidity and negative accounts receivable control had no effect on liquidity.
Kontribusi Pondok Pesantren terhadap Pengembangan Ekonomi Lokal : Studi di Al-Amanah 2 Mojokrapak Nanda Prayoga; Davit Amir Dzulqurnain; Deden Adi Hidayat
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i1.1268

Abstract

Islamic boarding schools not only act as centers of religious education, but also as agents of community economic movement. This study examines the role of Al-Amanah 2 Islamic Boarding School, Mojokrapak, Jombang in strengthening the economy of the surrounding community through a qualitative descriptive approach. Data were collected through observation, in-depth interviews with caregivers, administrators, and the community, as well as document analysis. The results of the study revealed that the Islamic boarding school succeeded in creating jobs, facilitating small community businesses, and building economic synergy between students and local business actors. Business units such as minimarkets, canteens, and local product exhibitions are real evidence of the contribution of Islamic boarding schools in increasing community income. SWOT analysis shows that Islamic boarding schools have great potential to develop a community-based economy, despite facing challenges such as lack of product innovation and market competition. This study concludes that Al-Amanah 2 Islamic Boarding School has become a catalyst for local economic development through a collaborative approach and empowerment based on Islamic values. The recommendation of this study is to strengthen entrepreneurship training programs and develop a wider market network to ensure the sustainability of community economic empowerment.
Pengaruh Kemudahan, Manfaat dan Keamanan terhadap Minat Menggunakan E-Wallet pada Masyarakat Parit Boom Kecamatan Nipah Panjang Hansen Rusliani; Rendi Apriyadi
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i1.1270

Abstract

This study aims to determine the effect of convenience, benefits and security on the interest in using e-wallets in the Parit Boom community, Nipah Panjang District. The method used in this study is a quantitative method, and the data analysis method used is multiple regression, t-test and f-test. The sample in this study was 67 samples of the Parit Boom community, Nipah Panjang District, by distributing a Likert scale questionnaire. The test results obtained from the t-test show that the convenience variable (X1) has a significant effect on the interest in using e-wallets (Y). This is evidenced by the calculated T value> Ttable, which is 3,287> 2.75 and a significant value of 002 <0.05 so that it can be concluded that Ho is rejected a.nd Ha. is a.ccepted, while the benefit va.ria.ble (X2) ha.s a. significa.nt effect on the interest in using e-wa.llets (Y). This is evidenced by the ca.lcula.ted T va.lue > Tta.ble, which is 3.54 > 2.75 a.nd a. significa.nt va.lue of 002 < 0.05, so Ho is rejected a.nd Ha. is a.ccepted, so the benefit va.ria.ble (X2) ha.s a.n effect on the interest in using e-wa.llet (Y). While the va.ria.ble (X3) does not ha.ve a. significa.nt effect on the interest in using e-wa.llet (Y). This is evidenced by the ca.lcula.ted T va.lue < Tta.ble, which is 0.220 < 2.75 a.nd a. significa.nt va.lue of 826 > 0.05, so it ca.n be concluded tha.t Ho is a.ccepted a.nd Ha. is rejected, so the security va.ria.ble (X2) ha.s a. significa.nt effect on the interest in using e-wa.llet (Y). The test results obta.ined from the f test show tha.t the va.ria.bles of convenience, benefits a.nd security simulta.neously ha.ve a.n effect on the interest in using e-wa.llet. This is evidenced by the ca.lcula.ted f va.lue > fta.ble, which is 8.292 > 1.998 a.nd a. significa.nt va.lue of 0.01 < 0.05
Strategi Manajemen Kredit dalam Rangka Mengurangi Kredit Bermasalah di PT. BPR Ambulu Dhanaartha Kabupaten Jember I’in Nur Khotimah; Putri Kamilatul Rohmi
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 2 (2025): April : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i2.1274

Abstract

This study aims to analyze credit management strategies in reducing non-performing loans (NPL) at PT. BPR Ambulu Dhanaartha in Jember Regency. This study uses a descriptive method with a qualitative approach. Data collection was carried out through direct interviews with the bank, observation, and documentation studies from various relevant sources. The results of the study indicate that PT. BPR Ambulu Dhanaartha implements credit management strategies through the stages of planning, organizing, implementing, and monitoring. The factors causing non-performing loans come from internal aspects, such as credit analysis errors, as well as external factors, such as economic conditions and disasters. The handling strategies implemented include restructuring, rescheduling, and confiscation of collateral. By implementing strict credit analysis, structured credit policies, periodic supervision, and effective collection strategies, PT. BPR Ambulu Dhanaartha is able to minimize the risk of non-performing loans and maintain its operational stability.
Pengaruh Likuiditas, Solvabilitas, dan Profitabilitas terhadap Nilai Perusahaan Sektor Consumer Goods yang Terdaftar di Bursa Efek Indonesia Muhammad Abduh Hafidz; Agrianti Komalasari; Yuztitya Asmaranti; Neny Desriani
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 2 (2025): April : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i2.1281

Abstract

Company value is one of the main indicators used by investors to assess the performance and prospects of a company. This study aims to analyze the influence of liquidity, solvency, and profitability on the value of consumer goods sector companies listed on the Indonesia Stock Exchange (IDX) for the 2019-2023 period. The research sample consisted of 20 companies selected using the purposive sampling method. Data analysis was carried out by multiple linear regression using SPSS 27 software. The results show that liquidity has a negative and significant effect on company value, solvency has a positive and significant effect on company value, while profitability does not have a significant effect on company value. These results indicate that management must pay attention to efficiency in managing liquid assets, maintain a balance between debt and its own capital, and consider other factors other than profitability in increasing company value.
Peran Digitalisasi Dalam Meningkatkan Efektivitas Pembayaran Pajak Kendaraan Bermotor : (Studi Kasus Kota Binjai) Nurliza Pratiwi; Junawan Junawan
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 2 (2025): April : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i3.1727

Abstract

This study aims to determine the role of digitalization in increasing the effectiveness of motor vehicle tax payments in Binjai City. This study uses a descriptive qualitative approach with data collection including observation, interviews, and documentation. The informants in this study consisted of 1 key informant and 3 supporting informants. The results of this study show that there are still many taxpayers who have difficulties in understanding the registration flow, payment methods, and printing documents such as SKPD. The lack of clear guidance in the application as well as delays in the submission of physical documents are the main obstacles. Therefore, the tax office in Binjai City has made various efforts to increase the effectiveness of Motor Vehicle Tax (PKB) payments. One way is to develop digital services that allow taxpayers to pay taxes online, so that it is faster and more efficient. In addition, officers also provide information media such as banners, video tutorials, and conduct direct counseling to the village office to increase public understanding of the digital payment mechanism.

Page 21 of 24 | Total Record : 234

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