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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 464 Documents
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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.
Peningkatan prinsip Tata Kelola dan Etika dalam Perencanaan Keuangan Syariah untuk mahasiswa FEBI Universitas islam kiai haji Achmad siddiq jember Moh Arif Billah; Rini Puji Astuti; Sarifa, Fina
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.v2i3.881

Abstract

Perencanaan keuangan syariah tidak hanya menekankan pada efisiensi dan efektivitas pengelolaan keuangan, tetapi juga pada nilai-nilai etika dan tata kelola yang sesuai dengan prinsip-prinsip Islam.[1] Penelitian ini bertujuan untuk menganalisis dan meningkatkan pemahaman mahasiswa FEBI Universitas Islam Kiai Haji Achmad Siddiq Jember terhadap prinsip tata kelola dan etika dalam perencanaan keuangan syariah. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan teknik pengumpulan data melalui observasi, wawancara, dan studi literatur. Hasil penelitian menunjukkan bahwa pemahaman mahasiswa masih bervariasi dan cenderung belum mendalam. Melalui integrasi kurikulum dan pelatihan praktis berbasis kasus, pemahaman dan penerapan prinsip-prinsip tersebut dapat ditingkatkan. Rekomendasi disampaikan kepada pihak fakultas untuk mengembangkan modul khusus etika dan tata kelola keuangan syariah yang kontekstual.
Manajemen Keuangan Pribadi Untuk Mencapai Stabilitas Finansial Dengan Strategi: Menabung dan Berinvestasi Shaffiyah Shaffiyah; Rini Puji Astuti; Citra Dwi Puspita
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.v2i3.882

Abstract

Kapasitas untuk mengawasi keuangan pribadi memerlukan keterampilan yang penting untuk merencanakan, menganggarkan, memantau, mengatur, meneliti, dan mengelola sumber daya keuangan sehari-hari secara efektif. Mengawasi urusan keuangan Anda sendiri, yang sering disebut sebagai manajemen keuangan pribadi, adalah sebutan alternatif untuk konsep ini. Sebaliknya, tantangan mendasar yang dihadapi individu dalam mencapai stabilitas keuangan melalui penerapan strategi menabung dan berinvestasi, serta literasi keuangan untuk mendorong praktik keuangan yang baik, terletak pada kurangnya pemahaman yang memadai tentang pentingnya manajemen keuangan pribadi. Hal ini menjadi dasar pemikiran mendasar di balik tantangan yang dihadapi individu dalam mencapai stabilitas keuangan. Pendekatan penelitian ini menggunakan metodologi penelitian kualitatif yang disertai dengan studi literatur. Hal ini muncul dari pemeriksaan data sekunder yang diperoleh dari beragam sumber terkait. Hasil penelitian menunjukkan bahwa sistem manajemen keuangan pribadi yang terorganisir dengan baik dan tingkat literasi yang memadai merupakan faktor penting yang sangat mempengaruhi kesuksesan finansial yang dicapai seseorang.
PERAN MANAJEMEN RESIKO DALAM MEMINIMALISIR RESIKO GAGAL BAYAR PADA PRODUK KEUANGAN SYARIAH Ardan Nafik; Rini Puji Astuti; Silvia Maulida I’lana
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.v2i3.886

Abstract

Islamic financial institutions in Indonesia have made significant progress in recent years. This development is driven by the increasing public interest in financial products that comply with sharia principles. This study uses a qualitative method. This study uses a descriptive qualitative approach with a literature study method. The results of this study indicate that: The implementation of risk management in Islamic financial institutions, including Bank Syariah Indonesia (BSI), reflects compliance with Islamic principles in carrying out banking operations. The most common risk faced in Islamic financing is credit risk, especially in murabahah and ijarah products. This risk often arises due to the inability of customers to fulfill their obligations or due to unstable economic conditions. To anticipate this, BSI has implemented various mitigation strategies, such as strict selection of prospective customers, continuous monitoring after financing is provided, and the formation of risk reserves to deal with potential defaults. In addition, internal supervision by the Sharia Committee ensures that all products and policies implemented remain in accordance with Islamic values. Meanwhile, the Financial Services Authority (OJK) and the National Sharia Council as Indonesian Ulema Council (DSN-MUI) also play a role by establishing regulations that serve as guidelines for Islamic banks in managing and mitigating risk.
Pengaruh Rasio Keuangan Dan Karakteristik Pemerintah Provinsi Jawa Timur Tahun Anggaran 2020-2023 Terhadap Financial Distress Indy Fathimatuz Zahro; Aji Safawalina Marawata; Alfin Nurul Afifah; Felanti Wulandari; Muhammad Tadhi Viki Taurrohman; Malika Safira Salsabila; Mely Septiawati; Usnul Hotimah
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.v2i3.887

Abstract

This research aims to evaluate the effect of financial ratios and local government characteristics on Financial Distress conditions in East Java Province during the 2020-2023 budget period. The background of this research is based on the importance of transparency and accountability in local financial management, which has a direct impact on the quality of public services. Financial Distress in this context is defined as the inability of local governments to meet their financial obligations and provide public services according to established standards. This study tests the hypothesis that the effectiveness ratio, efficiency, growth, degree of decentralization, population, and area affect Financial Distress. Using a quantitative approach and secondary data from the financial statements of three districts/cities, the results of the analysis show that all independent variables do not have a significant effect on Financial Distress, as indicated by significance values that exceed 0.05. These results indicate that further studies are needed with broader data coverage and a more in-depth analytical approach to identify factors that affect Financial Distress in the local government sector.
ANALISIS KINERJA KEUANGAN DAN PERTUMBUHAN LABA PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DALAM BURSA EFEK INDONESIA (TAHUN 2021- 2023) Anggun Kumala Putri; Fika Amin Nur Aini; Gagah Wardianto; Muis Zainul Abidin; Nabilla Alya Ramanda Putri; Nurlaila Sukma Ayu Sumantri; Ovie Vernanda Ruman Firdaus; Prastica Dewi Larasati
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.v2i3.889

Abstract

This study aims to test and evaluate the effectiveness and expected funding results to increase between 2021 and 2023. The method used is quantitative with data analysis on 10 selected samples using the purposive sampling method. Extreme data is analyzed using a boxplot diagram in SPSS software. Annual financial report data is analyzed through linear regression, and tested using the classical assumption test and hypothesis test. The results of the analysis show that the ROA variable has a t value of -10.259 with a significance of 0.797 (> 0.05), while ROE has a significance of -0.018 and 0.985 (> 0.05). The F value of 0.07 is smaller than F table 3.19, with a significance of 0.929 (> 0.05). This shows that ROA and ROE do not have a significant effect on profit growth. Therefore, further research into other factors that may affect the company's profit growth is needed.
PENDEKATAN ISLAM TERHADAP KONSUMSI, TABUNGAN, DAN INVESTASI: LANDASAN TEORI DAN APLIKASI EKONOMI SYARIAH Ervina Tri Rahayu; Nafa Faisatul Qolbi; Ilma Qurotul Aini; Rizka Khoirun Nisa; Amalia Nuril Hidayati
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.v2i3.890

Abstract

This research discusses the relationship between consumption, saving, and investment from the perspective of Islamic economics. Unlike conventional economics, Islamic economics emphasizes spiritual values, justice, and blessings in economic activities. The purpose of this study is to examine the chapter on consumption, savings, and investment from an Islamic perspective. The method used in this study is a literature review based on sources from books and scholarly journals. The findings indicate that moderate consumption encourages increased savings and productive investments. Sharia-compliant investments, which are free from usury (riba) and speculation (gharar), play a significant role in promoting equitable economic growth. In conclusion, the interconnection between these three economic activities forms a sustainable Islamic economic system aligned with the objectives of Maqashid Sharia.
KEBIJAKAN PEMERINTAH TERHADAP TRADEOFF INFLASI DAN PENGANGGURAN : PERSPEKTIF EKONOMI ISLAM Amalia Nuril Hidayati; Dwika Permata Sari; Via Aprillia Nanda Lestari; Muhammad Nada Choiruddin; Adinda Desi Rahmawati
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.v2i3.891

Abstract

Abstract. This study aims to analyze government policies on the tradeoff between inflation and unemployment using an Islamic economic perspective. Inflation and unemployment are major problems in the economy that are interrelated and often cause tradeoffs, so researchers examine how government policies can overcome these tradeoffs by considering Islamic economic principles. This study uses a library research method with a descriptive analytical and interpretative approach based on academic literature. The results of the study indicate that the implementation of government policies in overcoming the tradeoff between inflation and unemployment from an Islamic economic perspective must be based on the principles of social justice and fair distribution of wealth. Empirically, fiscal and monetary policies packaged with the principle of justice can effectively suppress inflation while reducing unemployment. In addition, social empowerment and efforts to improve community welfare are important factors in creating sustainable economic stability.
HUBUNGAN ANTARA PERTUMBUHAN EKONOMI DAN PENGANGGURAN MENURUT PERSPEKTIF ISLAM Deis Mahadita; Laura Nur Haliza; Muhammad Khobib Mustafa; Rachmadhianing Putri; Amalia Nuril Hidayati
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.v2i3.892

Abstract

Abstrak. This study aims to examine the relationship between economic growth and unemployment from an Islamic perspective. In conventional economics, economics growth is often used as the main indicator of welfare, but it is not always directly correlated with a decrease in unemployment. In the Islamic perspective, economic growth is not only seen from a quantitative perspective, but also from moral values, distribution of justice, and holistic welfare of the people, both in this world and the hereafter. Through a literature approach, the results of this study found that Islam provides solutions to unemployment through the principle of justice in the distribution of wealth, encouragement of entrepreneurship, state responsibility in providing employment, and economic system free from usury. Keywords: Economic Growth, Unemployment, Islamic Economy.

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