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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 262 Documents
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Analisis Peran Kebijakan Fiskal dalam Meningkatkan Kesejahteraan Sosial Masyarakat Arifahtul Hikmah; Halimah Halimah; Syalaisha Sevia Aulianisya; Mohammad Ridwan
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 3 (2026): Juni: 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.v4i3.2335

Abstract

Fiscal policy is one of the government’s main instruments in managing the national economy through the regulation of state revenue and expenditure in order to achieve economic stability, growth, and equitable social welfare. This study aims to analyze the role of fiscal policy in improving social welfare through various development programs, income distribution, and public service provision. The method used is a descriptive qualitative approach by analyzing various literature sources, government policies, and data related to fiscal implementation. The results show that fiscal policy has a strategic role in improving social welfare through tax management, subsidies, social assistance, infrastructure development, education, and healthcare. Effective fiscal policy can reduce social inequality, increase people’s purchasing power, create employment opportunities, and strengthen national economic stability. However, the effectiveness of fiscal policy is also influenced by budget management transparency, accurate program targeting, and the level of public compliance with tax obligations. Therefore, synergy between the government and society is essential so that fiscal policy can be implemented optimally in achieving social justice and equitable welfare. This study emphasizes that fiscal policy is not only an economic tool but also an important means of creating sustainable development and social welfare for all levels of society.
Implementasi Produk Pegadaian Syariah pada Pegadaian Syariah Cabang Paus Pekanbaru Anggun Anugrah; Azwar Azwar; Aulia Apriyani Jemmi; Faiqul Halim; Siti Aisyah; Abdul Aziz Hiborohim Srg
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 3 (2026): Juni: 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.v4i3.2344

Abstract

This study aims to analyze the implementation of Pegadaian Syariah products at the Paus Pekanbaru Branch based on field observations and interviews. The research focuses on four main products: Rahn, Gold Installments, Gold Savings, and Sharia Business Loans. A qualitative descriptive method was applied using observation, interviews, and documentation as data collection techniques. The findings show that Rahn is the most widely used product because it offers a fast disbursement process, simple procedures, and relatively accessible requirements for customers who need short-term financing. Gold Installments and Gold Savings provide alternative sharia-compliant investment instruments based on real assets, allowing customers to own gold gradually and safely. Meanwhile, Sharia Business Loans play an important role in supporting micro-enterprise development by providing financing that follows Islamic principles. Overall, the implementation of these products reflects Pegadaian Syariah’s contribution to expanding financial inclusion, strengthening public understanding of sharia-based financial services, and providing practical solutions for community economic needs. However, product socialization and customer literacy still need improvement to optimize utilization. This improvement is expected to enhance product acceptance and strengthen sustainable sharia financial service performance.

Page 27 of 27 | Total Record : 262

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