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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 6 Documents
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Search results for , issue "Vol. 3 No. 1 (2026): Januari" : 6 Documents clear
PENGARUH KEMISKINAN DAN PENGANGGURAN TERHADAP PERTUMBUHAN EKONOMI WILAYAH PERKOTAAN ACEH Muhammad Muhammad; Muhammad Riski; Puti Andiny; Safuridar Safuridar
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 1 (2026): Januari
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i1.1727

Abstract

ABSTRAK This study aims to analyze the influence of unemployment and poverty on economic growth in urban areas of Aceh, including Banda Aceh, Lhokseumawe, Langsa, Subulussalam, and Sabang during the 2020–2024 period. The research utilizes secondary data obtained from the Central Bureau of Statistics (BPS). The analytical method employed is panel data regression using the Fixed Effect Model, which was selected based on the results of the Chow Test and Hausman Test. The findings indicate that unemployment has a negative and significant effect on economic growth, implying that an increase in unemployment levels will reduce the economic growth rate in urban Aceh. Meanwhile, poverty has a positive but insignificant effect on economic growth, suggesting that there is no strong statistical evidence that poverty has a real impact on economic growth. Simultaneously, unemployment and poverty exert a significant influence on economic growth, with an Adjusted R-squared value of 0.469961, indicating that 46.99% of the variation in economic growth can be explained by both variables. These findings emphasize the importance of policies focused on job creation, improvement of labor quality, and more effective poverty alleviation programs to support inclusive and sustainable economic growth in urban areas of Aceh.   Keywords: unemployment, poverty, economic growth, panel data, urban Aceh
Persepsi dan Preferensi Mahasiswa Universitas Tazkia Terhadap Penggunaan Alat Pembayaran Non-Tunai dalam Transaksi Sehari-hari (Studi Kasus: E-Wallet dan QRIS) Habib, Muhammad; Al Muhajjir, Fais
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 1 (2026): Januari
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i1.1732

Abstract

This study aims to explore the perceptions and preferences of Tazkia University students regarding the use of non-cash payment methods, particularly e-wallets and the Quick Response Code Indonesian Standard (QRIS), in daily transactions. Using a qualitative approach with a case study design, data were collected through semi-structured in-depth interviews with 35 student participants. Data were analyzed using thematic analysis to identify patterns in perceptions and preferences. The findings indicate that students have positive perceptions of the convenience and efficiency of QRIS and e-wallets, but they express concerns about security issues, data privacy, and compatibility with Islamic values such as transaction permissibility (halal) and avoiding riba. Their primary preference is e-wallets due to integration with daily applications and cashback promotions, whereas QRIS is more favored for transactions with small merchants and MSMEs around campus. Islamic ethical factors emerged as significant moderators, where students prioritized platforms compliant with Sharia principles, such as those partnered with Islamic banks. This study fills a research gap in the context of Islamic universities in Indonesia, where religious values uniquely influence the adoption of financial technologies. Practical implications include recommendations for universities to enhance literacy in Sharia-based digital payments and collaborate with fintech providers to obtain halal certification.
Analisis Kinerja Keuangan dan Dampaknya terhadap Kualitas Layanan Dasar di Desa Jamburnauli Kecamatan Tarutung KabupatenTapanuli Utara Monika Flora Manik; Apriani Hutabarat; Rini Khairani Harahap; Ivan R Ventris Siahaan; Kevin Lejon Simamora
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 1 (2026): Januari
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i1.1733

Abstract

This study aims to examine the financial performance of Jamburnauli Village and its influenceonthequalityofbasicpublicservicesprovidedtothecommunity.Theresearch employs a qualitative method with a descriptive approach through interviews with the Village Head and literature reviews related to village financial management and public service delivery. The findings indicate that the realization of the Village Fund reached 100% and was utilized for the construction of farm roads, irrigation channels, bridges, cleanwaterfacilities,aswellasvarioussocialprogramssuchasagriculturalassistance, maternal and child health support, and cash transfers for households experiencing extreme poverty. The use of local materials also enhanced budget efficiency, allowing programstobeimplementedmoreoptimally.However,thevillage’sfiscalindependence remainslowduetolimitedlocallygeneratedrevenueandthenewlyestablishedBUMDes. Budget transparency and internal control mechanisms demonstrate accountable financialgovernanceandsupportimprovementsinbasicservices.Overall,effectiveand efficientfinancialperformancehascontributedsignificantlytoimprovinginfrastructure, health services, education, and administrative services in Jamburnauli Village.
DAMPAK EKONOMI, RISIKO, DAN FAKTOR YANG MENYEBABKAN TERJADINYA LONJAKAN PENERBITAN SUKUK KORPORASI DI INDONESIA Al Ghifary, Muhammad Waqif; Aliffa Rahmadanni
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 1 (2026): Januari
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i1.1741

Abstract

The Economic Impact, Risk Profile, and Drivers Behind the Surge in Corporate Sukuk Issuance in Indonesia. The issuance of corporate sukuk in Indonesia has risen sharply over the past five years, reaching Rp160.1 trillion in the third quarter of 2025. This study aims to examine the economic impacts, risk profile, and key factors driving the surge in corporate sukuk issuance. The research adopts a descriptive–qualitative approach using secondary data sourced from OJK reports, the Indonesia Stock Exchange, and publications related to the Islamic finance industry. The findings indicate that the growing volume of sukuk issuance has contributed positively to corporate economic performance, particularly through improved capital structure and reduced funding costs supported by competitive yields. Moreover, the higher issuance activity has stimulated local economic growth, especially by creating new job opportunities and increasing real-sector activities financed through sukuk instruments. However, the rapid rise in sukuk issuance also brings additional risks, including default risk, liquidity challenges due to a relatively shallow secondary market, and uncertainties in macroeconomic conditions. The study identifies several main factors behind this surge: declining policy interest rates, stronger demand for Sharia-compliant financing, regulatory incentives, and investors’ positive perception of sukuk stability. These results highlight the need for stronger corporate governance, better secondary market liquidity, and more harmonized regulations to ensure the sustainable development of Indonesia’s corporate sukuk market
Strategi Peningkatan Layanan Transportasi Publik Balikpapan City Trans (Bacitra) Oleh Dinas Perhubungan Kota Balikpapan Nesha Abigail Nabila; Enos Paselle
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 1 (2026): Januari
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i1.1763

Abstract

Transportasi publik memiliki peran penting dalam mendukung mobilitas masyarakat dan mengurangi penggunaan kendaraan pribadi. Kota Balikpapan sebagai salah satu kota penyangga Ibu Kota Nusantara (IKN) menghadapi peningkatan jumlah penduduk, intensitas aktivitas ekonomi, serta pertumbuhan kendaraan bermotor. Hal ini berdampak pada potensi kepadatan lalu lintas dan menuntut penyediaan transportasi umum yang efektif dan terjangkau. Pemerintah Kota Balikpapan meluncurkan layanan Balikpapan City Trans (Bacitra) pada 8 Juli 2024 sebagai moda transportasi massal berbasis Buy The Service (BTS). Namun, layanan ini masih menghadapi berbagai kendala seperti rute terbatas, minimnya halte permanen, keterbatasan sumber daya manusia, serta konflik dengan pengemudi angkot. Penelitian ini bertujuan untuk merumuskan strategi peningkatan layanan Bacitra serta mengidentifikasi faktor internal dan eksternal yang mempengaruhinya. Metode yang digunakan adalah mixed method dengan analisis SWOT melalui tabel IFAS dan EFAS. Hasil penelitian menunjukkan bahwa Bacitra berada pada Kuadran I (Strategi Agresif), sehingga strategi prioritas adalah memaksimalkan kekuatan dan peluang melalui penguatan operasional, perluasan rute, peningkatan fasilitas, serta optimalisasi dukungan pemerintah.
Pengaruh Literasi Keuangan, Sikap Keuangan dan Kepribadian terhadap Perilaku Pengelolaan Keuangan pada Pelaku UMKM Kuliner di Shelter Manahan Surakarta Putri Angelina Silitonga; Dorothea Ririn Indriastuti
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 1 (2026): Januari
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i1.2168

Abstract

This study aims to analyze the significant influence of financial literacy, financial attitudes, and personality on financial management behavior in Culinary MSME actors at Shelter Manahan Surakarta. The type of data used in this study is quantitative data in the form of answers from respondents that are changed on the Likert scale. The data source used in this study is primary data. The data collection technique in this study was obtained through the distribution of questionnaires to the entire population of 135 respondents, using a saturated sample technique. The data analysis techniques used in this study are descriptive analysis, research instrument test, classical assumption test, t test, F test, and determination coefficient test (????2). The results of the study based on validity and reliability tests showed that all statements regarding financial literacy, financial attitudes and personality were declared valid because of the p-value of 0.05 and reliable because of the Chronbach's alpha > value of 0.60. The results of the classical assumption test showed that all variables passed the tests of multicollinearity, heterokedasticity, autocorrelation, and normal distribution. The results of multiple linear regression analysis obtained the equation Y = 5.748 + 0.207 + 0.252 - 0.024 + e. The results of the t-test (partial) proved that financial literacy and financial attitudes had a significant effect on financial management behavior, while personality had a insignificant effect on financial management behavior. The F test (model accuracy) test showed that the regression model used in this study was appropriate. The test results ????1????2????3????2 showed that the contribution of the influence of independent variables on dependents was 18.5% and the remaining 81.5% was influenced by other model variables.

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