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JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI
Published by CV Kampus Akademik Publising
ISSN : 30476232     EISSN : 30476240     DOI : https://doi.org/10.61722/jemba.v1i2.45
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Berfokus pada penerbitan artikel berkualitas tinggi yang didedikasikan untuk semua aspek Ekonomi, Manajemen, Bisnis dan Akuntansi. Jurnal ini memberikan ruang bagi para peneliti untuk berdiskusi, mengejar dan meningkatkan pengetahuan di bidang Kategori Ilmu Ekonomi , Manajemen, Bisnis dan Akuntansi yang terus berkembang. Artikel dapat ditulis dalam bahasa Inggris atau bahasa Indonesia. Ekonomi: Ekonomi Publik, Ekonomi Internasional, Perbankan dan Lembaga Keuangan Ekonomi Pembangunan, Ekonomi Moneter, Ekonomi Keuangan. Manajemen bisnis dan perbankan: Manajemen keuangan dan kekayaan, Pemasaran, Manajemen Sumber Daya Manusia, Manajemen Strategis, Operasi, Kewirausahaan, Etika Perbankan, Operasi dan Manajemen Perbankan. Akuntansi: Akuntansi Sektor Publik, Perpajakan, Akuntansi Keuangan, Akuntansi Manajemen, Auditing, dan Sistem Informasi Akuntansi. Jurnal ini terbit 1 tahun 6 kali (Januari, Maret, Mei, Juli, September, November)
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 43 Documents
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Search results for , issue "Vol. 2 No. 3 (2025): Mei" : 43 Documents clear
IMPLEMENTASI AKAD MURABAHAH PADA PEMBIAYAAN KREDIT USAHA RAKYAT (KUR) DI BANK SYARIAH INDONESIA Deti Iryani; Dea Sri Utari; Mashuri Mashuri; Susilawati Susilawati
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 3 (2025): Mei
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v2i3.804

Abstract

Micro KUR financing is one of the financing options offered by Bank Syariah Indonesia to the public as customers to run micro or small and medium enterprises. The purpose of this research is to examine the implementation of the murabaha contract in the financing of People's Business Credit (KUR). The research was conducted from August to September 2024. During the author's professional internship (MP), the author was able to analyze the performance at BSI KCP Dumai Sukajadi, which was very good and in accordance with applicable regulations. The murabaha contract implemented is also in line with sharia principles. If the goods desired by the customer cannot be directly purchased by the bank, for example, the purchase of essential goods, the bank will use a wakalah contract, where the purchase of goods will be delegated to the customer with the condition that proof of purchase is submitted to the bank. The implementation of the murabaha contract is expected to run smoothly and as effectively as possible.
Model Bisnis sebagai Mekanisme Penciptaan Nilai: Pendekatan Konseptual dan Implikasinya bagi Strategi Perusahaan Noer Aida Fitriani; Jeni Susyanti
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 3 (2025): Mei
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v2i3.839

Abstract

Penelitian ini bertujuan untuk mengkaji peran model bisnis sebagai mekanisme penciptaan nilai dan implikasinya terhadap strategi perusahaan. Menggunakan pendekatan konseptual, studi ini menganalisis literatur relevan terkait elemen-elemen kunci model bisnis, inovasi, serta hubungan antara model bisnis dan keunggulan strategis. Hasil kajian menunjukkan bahwa model bisnis tidak hanya menggambarkan cara perusahaan menghasilkan pendapatan, tetapi juga berfungsi sebagai alat strategis dalam merancang, menyampaikan, dan menangkap nilai. Inovasi dalam model bisnis memungkinkan perusahaan beradaptasi terhadap dinamika pasar dan memperkuat daya saing. Integrasi model bisnis ke dalam proses perencanaan strategis menjadi penting untuk mencapai keberlanjutan dan keunggulan kompetitif jangka panjang. Penelitian ini memberikan kontribusi konseptual bagi pengembangan strategi bisnis berbasis nilai di era persaingan dinamis.
Analisis Rasio Likuiditas dan Profitabilitas untuk Mengetahui Kinerja Keuangan pada PT Sido Muncul TBK 2020-2022 Maulana Ichsan; Erni Puji Astutik
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 3 (2025): Mei
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v2i3.858

Abstract

Penelitian ini bertujuan untuk mengetahui kinerja keuangan perusahaan pada PT Sido Muncul TBK menggunakan analisis rasio keuangan selama periode tahun 2020- 2022. Rasio keuangan yang digunakan yaitu likuiditas dan profitabilitas. Kinerja keuanagan pada PT Sido Muncul Tbk apabila ditinjau dari Current Ratio(CR) dan Quick Ratio(QR) mengambarkan keadaan likuiditas perusahaan baik atau likuid. Perhitungan rata-rata Current Ratio dan rata-rata Quick Ratio sudah berada diatas rata-rata industri (time series). Rasio profitabilitas pada PT Sido Muncul Tbk menunjukkan kinerja perusahaan yang inkonsisten dimana rata-rata rasio Return On Asset(ROA) dan Return On Equity(ROE) masih dibawah standar industri sedangkan nilai rata-rata rasio Net Profit Margin(NPM) sudah diatas industri
Membangun Keunggulan Bersaing Perusahaan Melalui Penciptaan Nilai Fita Andriyani; Jeni Susyanti
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 3 (2025): Mei
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v2i3.861

Abstract

This study aims to analyze how value creation through business model innovation can build a company's competitive advantage in facing rapid and complex market dynamics. Employing a conceptual approach, the study examines recent literature on value creation strategies, business model innovation, and dynamic organizational capabilities. The analysis reveals that companies capable of reconstructing their value propositions, integrating digital technologies, and developing adaptive capabilities are more likely to create sustainable value and maintain a competitive edge. However, challenges such as imitation risks and organizational culture shifts must be addressed through holistic and sustainable innovation strategies.
Manajemen Utang Dalam Perspektif Islam : Terhadap Produk Pembiayaan Berbasis Syariah (Murabahah Dan Qardhul Hasan): Studi Literatur pada peran Akad dalam Lembaga Keuangan Syariah Nurul Firdausah; Rini Puji Astuti; Nia Safira Aprilia Firdaus
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 3 (2025): Mei
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v2i3.862

Abstract

This research was conducted to answer the problem of the role of murabahah and qardhul hasan contracts as alternative debt for the community. The type of research used is descriptive qualitative. By using secondary data derived from the theories of various literatures and data that emerged from an institution. . The results of this study show that these two contracts have a complementary role in providing financing solutions that comply with sharia principles and meet the needs of people from various economic segments. Murabahah reaches productive customers who need financing with a structured plan, while qardhul hasan reaches vulnerable people who need financial assistance without the pressure of interest.
Perencanaan Dana Pensiun Dan Pendidikan Berbasis Syariah: Pendekatan Strategi Untuk Kesejahteraan Masa Depan Nadiah Ulfatun Hasanah; Rini Puji Astuti; Indana Zulfa Azizah
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 3 (2025): Mei
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v2i3.863

Abstract

Retirement and education planning is an important part of family financial management that aims to achieve sustainable prosperity in the future. From an Islamic perspective, financial planning should be done in compliance with sharia principles that prohibit riba, maysir and gharar. The sharia approach in financial planning includes the use of halal instruments such as sharia insurance (takaful), sukuk, and investment in sharia mutual funds that comply with the fatwa of the National Sharia Council⁽¹⁾. This planning also emphasizes the importance of the values of responsibility, justice, and the blessing of wealth in meeting long-term needs such as children's education funds and family pension funds⁽²⁾. This study shows that good Islamic financial literacy can encourage Muslim communities to plan their future more strategically⁽³⁾. Therefore, strengthening the Islamic financial ecosystem and educating the public are crucial steps in supporting Islamic values-based financial well-being.
PERSEPSI MAHASISWA PERBANKAN SYARIAH UIN KHAS JEMBER TENTANG EDUKASI INVESTASI SAHAM SYARIAH. Putra Alif Kurniawan Akbar; Elvin Adria Saputri; Ayu Dwi Yulandari; Rini Puji Astuti
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 3 (2025): Mei
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v2i3.872

Abstract

The main focus of this research is to explore how students' understanding and attitudes towards the material taught in lectures and the facilities provided by the campus, such as the Sharia Investment Gallery (GIS), are shaped. The research employs a qualitative approach with a case study design, where data was collected through in-depth interviews with a number of active students who have taken courses related to Sharia stock investments. The results of the study indicate that the majority of students have a positive perception of the importance of Sharia stock investment education. However, they consider the education they receive to be limited to theory and lacking in practical aspects. Factors influencing students' perceptions include the quality of teaching, access to digital information, and student involvement in GIS activities, which remains suboptimal. Based on these findings, the study suggests the integration of practical Sharia investment experience in lectures, enhanced collaboration with GIS, and the development of digital educational content to broaden students' literacy in Sharia capital markets
PRINSIP PERENCANAAN KEUANGAN DALAM MENCAPAI KESEJAHTERAAN FINANSIAL INDIVIDU Vahilda Febrianti; Rini Puji Astuti; Muhammad Aris Maulana
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 3 (2025): Mei
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v2i3.873

Abstract

Penelitian ini bertujuan untuk menganalisis prinsip keuangan yang berkontribusi dalam pencapaian kesejahteraan finansial individu, dengan pendekatan berbasis nilai-nilai syariah. Hasil penelitian menunjukkan bahwa prinsip-prinsip seperti membuat anggaran, mengelola pengeluaran, menabung dan berinvestasi dapat membantu individu mencapai kesejahteraan finansial. Dalam konteks ekonomi modern dan kebutuhan hidup yang kompleks, perencanaan keuangan yang sesuai dengan prinsip-prinsip islam seperti keadilan, keberkahan, dan tanggung jawab menjadi krusial. Studi ini menggunakan pendekatan kualitatif melalui studi Pustaka terhadap literatur terkait perencanaan keuangan syariah, maqasid syariah dan indicator kesejahteraan finansial. Hasil kajian menunjukkan bahwa prinsip-prinsip seperti penetapan tujuan keuangan sesuai syariah, pengelolaan dan arus kas halal, penghindaran riba, penyusunan dana darurat, dan investasi yang etis dan produktif memberikan kontribusi signifikan dalam menunjukkan kesejahteraan finansial yang berkelanjutan dan diberkahi. Temuan ini memberikan implikasi bagi individu muslim, pendidik keuangan, dan praktisi perencanaan keuangan syariah dalam menyusun strategi yang sejalan dengan nilai-nilai islam. Penelitian ini diharapkan dapat memberikan kontribusi pada pengembangan pengetahuan tentang perencanaan keuangan individu dan meningkatkan kesadaran masyarakat tentang pentingnya mengelola keuangan dengan efektif.
PENGARUH SOFT SKILL, EFIKASI DIRI DAN KEAKTIFAN BERORGANISASI TERHADAP KESIAPAN KERJA PADA MAHASISWA (STUDI KASUS DI UNIVERSITAS 17 AGUSTUS 1945 SURABAYA PROGRAM STUDI MANAJEMEN ANGKATAN 2021) Jessica Yuli Hana; Sumiati Sumiati
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 3 (2025): Mei
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v2i3.874

Abstract

This study aims to examine the impact of soft skills, self-efficacy, and organizational participation on thew ork readiness of management study program students, class of 2021 at Universitas 17 Agustus 1945 Surabaya, using a quantitative approach with a questionnaire as an instrument to collect data. The sample taken was 75 respondents, consisting of active students of the management study program class of 2021 at Universitas 17 Agustus 1945 Surabaya. The data were analyzed using IBM SPSS version 25 with the multiple linear regression analysis method. The findings of the study showed that all variables tested were proven valid and reliable. The results of the multiple linear regression analysis revealed that soft skills, self-efficacy, and activeness in organizations had a positive and significant effect on students' work readiness. The T test indicated that each independent variable made a significant contribution, while the F test showed that the three variables simultaneously had a significant effect on work readiness. The coefficient of determination (R²) showed that 84% could be explained by the factors studied, while the remaining 16% was influenced by other factors. The findings of this study provide important recommendations for students to improve their work readiness to be better prepared to face the challenges of the world of work in the future. Keywords: Soft skill; Self-efficacy; Organizational Activity; Future Work Readiness
Peran Dana Sosial Islam Dalam Perencanaan Keuangan Keluarga Muhammad Ghufron Afandi; Luluk Maulidia; Rini Puji Astuti; Ristian Sinta
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 3 (2025): Mei
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v2i3.880

Abstract

Abstrak. The important role of Islamic social funds, namely waqf, zakat, and Islamic social finance in supporting family financial planning. Islamic social funds have a plan to improve the welfare and economic maturity of families through proper distribution and management based on sharia principles. This study uses a qualitative descriptive method, namely through data-based research collected through interviews, observations, and documentation at Islamic social fund management institutions. The results of this study indicate that optimizing Islamic social funds can be an important instrument in family financial planning, especially in meeting basic needs and education. This concept provides a more organized and participatory social fund management strategy to empower families as a whole.

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