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INDONESIA
Adpertens ; Jurnal Ekonomi dan Manjemen
Published by Yayasan Baitul Hikmah al-Zain
ISSN : 30482305     EISSN : 3047373X     DOI : -
Core Subject : Religion, Economy, Humanities, Science,
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Adpertens; Jurnal Ekonomi dan Manjemen, E-ISSN: 3047-373X,Print ISSN : 3048-2305 merupakan jurnal ilmiah yang diterbitkan oleh Yayasan Baitul Hikmah al-Zain Tapanuli Selatan bekerjasama dengan APJI (Asosiasi Pengelola Jurnal Indonesia). Jurnal ini terbit tiga kali setahun pada bulan Februari, Juni, dan Oktober, dan memuat hasil penelitian dosen, mahasiswa, peneliti, dan praktisi di bidang manajemen, akuntansi, dan ekonomi. Adpertens; Jurnal Ekonomi dan Manjemen hanya menerima artikel yang memenuhi format sesuai template. Artikel ditulis dalam Bahasa Indonesia ataupun Bahasa inggris. Selanjutnya artikel direview melalui teman sejawat double-Blind. Adpertens menerbitkan artikel dibawah bawah Lisensi Internasional Creative Commons Attribution ShareAlike 4.0.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 47 Documents
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KEGAGALAN GOOD CORPORATE GOVERNANCE DALAM PERSPEKTIF TEORI KEAGENAN DAN ETIKA BISNIS PADA PT ASURANSI JIWASRAYA Cintya Putri Nasution; Suaini Mebia Putri; Dia Aulia Harahap; Rian Afrijal
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Februari
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v3i1.638

Abstract

This study aims to analyze the failure of Good Corporate Governance (GCG) implementation from the perspective of agency theory and business ethics at PT Asuransi Jiwasraya. This study uses a qualitative approach with a conceptual analysis method based on secondary data obtained from scientific journals, official reports, and relevant economic publications. The analysis results indicate that governance failure at PT Asuransi Jiwasraya is influenced by conflicts of interest between management and stakeholders, information asymmetry, moral hazard, and weak internal controls. Furthermore, the practice of non-transparent information presentation and imprudent investment decisions indicate that ethical business values ​​have not been optimally internalized in the company's decision-making process. These findings confirm that the application of the principles of transparency, accountability, responsibility, independence, and fairness has not been implemented substantively but rather tends to be formalistic. This failure not only impacts financial losses but also undermines public trust in the insurance industry. Therefore, this study demonstrates that successful GCG requires the integration of structural compliance, effective oversight, and the internalization of business ethics as the foundation of company operations.
SIMULASI STRATEGI INVESTASI BANK DAN NON-BANK DALAM MITIGASI RISIKO KEUANGAN DIGITAL Nayla Ahlami Dalimunthe; Tiara Marsya Aulya; Tri Ayu Fadilah; Wanda Syakinah
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Februari
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v3i1.639

Abstract

This study aims to analyze the characteristics of investment instruments in banking and non-banking financial institutions, simulate portfolio investment strategies, and identify financial risk mitigation efforts in the era of digitalization. The development of financial technology has increased public access to various investment instruments, but it is also accompanied by increasing financial risks that require proper management. This study employs a descriptive qualitative approach using literature review and conceptual simulation methods. The data used are secondary data obtained from official publications of financial institutions, regulatory reports, and relevant academic literature on investment and risk management. The simulation assumes an initial investment of IDR 50,000,000 allocated into three main instruments: deposits (40%), bonds (30%), and stocks (30%), and is tested under three economic conditions, namely stable conditions, rising interest rates, and declining stock markets. The results show that a diversified portfolio generates a return of 6.32% under normal conditions, increases to 6.95% during rising interest rates, and remains positive at 4.29% during stock market downturns. These findings indicate that portfolio diversification can help reduce risk exposure and maintain investment stability under various economic conditions. Therefore, diversification-based investment strategies, risk-based instrument selection, and active portfolio management can be considered relevant approaches for financial risk mitigation in the digitalization era
DAMPAK IMPLEMENTASI PROGRAM MAKAN BERGIZI GRATIS TERHADAP PENDAPATAN PELAKU UMKM DI LINGKUNGAN SDN SEMUT Zulfa Nur Aini; Hendri Hermawan Adinugraha; Ade Gunawan; Rizky Andrean
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 3 No. 2 (2026): Juni
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v3i2.654

Abstract

The Free Nutritious Meal Program is a government policy aimed at improving students’ nutritional quality and reducing parents’ daily food expenses. Its implementation not only affects students as the main beneficiaries but also has the potential to influence economic activities around schools, particularly micro, small, and medium enterprises (MSMEs) that depend on students’ purchasing behavior. This study aims to analyze the impact of the Free Nutritious Meal Program on the income of MSME owners in the SDN Semut area. This research applies a descriptive qualitative method with a case study and literature review approach. Data were collected through semi-structured interviews with five MSME owners around SDN Semut and supported by academic journals, books, and relevant previous studies. The findings show that the program affects MSME income, especially vendors selling main meals who experienced a decline in sales, while snack and beverage sellers remained relatively stable. This occurred because students’ meal needs were fulfilled by the school, encouraging them to reduce purchases and save their pocket money. This study emphasizes the importance of policy evaluation to balance social benefits with local economic sustainability. The originality of this research lies in its focus on school-based MSMEs at the elementary school level.
ANALISIS REGULASI PREDATORY PRICING DALAM BISNIS DIGITAL DI INDONESIA PERSPEKTIF HUKUM ISLAM Arif Fikri; Rahayu Utami Caniago; Ramos Panggabean; Abdul Azis Lasahido
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 3 No. 2 (2026): Juni
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v3i2.659

Abstract

  This study analyzes regulations concerning predatory pricing practices in digital businesses in Indonesia from an Islamic law perspective. Predatory pricing is a strategy of setting extremely low prices to eliminate competitors, potentially harming other businesses and consumers. The research employs a qualitative field-based approach, collecting data through in-depth interviews with 12 digital business actors, 5 regulatory officials, and document analysis of regulations and fatwas issued by the Indonesian Ulama Council (MUI) regarding business ethics. Thematic analysis with source triangulation was applied to ensure the validity of findings. The results indicate that predatory pricing practices still occur, particularly during market penetration stages, despite existing anti-monopoly regulations. From the perspective of Islamic law, this practice contains elements of gharar (uncertainty) and dzulm (injustice) because it creates unfair conditions for other business actors and consumers. The study also identifies a gap between formal regulations and their implementation in the field, including weak supervision and insufficient sanctions against violators.
INVESTASI SEBAGAI DETERMINAN PRODUK DOMESTIK REGIONAL BRUTO DI INDONESIA: TINJAUAN LITERATUR ATAS BUKTI EMPIRIS DAN ARAH PENELITIAN MENDATANG Erna; Athaillah Adwitiya; Fajriyatul Abadiyah
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 3 No. 2 (2026): Juni
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v3i2.660

Abstract

Regional economic growth in Indonesia is measured by the Regional Gross Domestic Product (RGDP), with investment being one of the most frequently associated factors. However, the findings of various previous studies have not always been consistent, so the relationship between investment and RGDP requires further examination. This study aims to summarize, compare, and analyze investment-RDP relationship patterns in Indonesia based on existing research. The method used is a literature review employing a descriptive-comparative qualitative approach. Data sources were drawn from Sinta-accredited national scientific journals and relevant peer-reviewed articles, identified through Google Scholar, Garuda, and the Sinta journal portal. The findings indicate that investment generally has a positive impact on GRDP across various regions in Indonesia; however, the magnitude of this contribution is heavily determined by a region’s capacity to absorb and optimize incoming capital. Human resource quality, labor market conditions, and local government governance capacity have been shown to moderate investment effectiveness on GRDP growth. The disparity in investment distribution between Java and non-Java regions reflects structural disparities in inter-regional capacity. This study confirms that investment effectiveness is not determined solely by the investment magnitude, but rather by the quality of the supporting ecosystem in which it is carried out.
PERAN STRATEGIS LEMBAGA KEUANGAN SYARIAH DALAM MEMFASILITASI PEMBANGUNAN EKONOMI NASIONAL Masnilam Limbunan; Sri Rahmawati; Nurul Hafizah Mutiah; Juhairah Kamelia
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 3 No. 2 (2026): Juni
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v3i2.438

Abstract

Lembaga Keuangan Syariah (LKS) memiliki peran strategis dalam mendorong pembangunan ekonomi nasional melalui penerapan prinsip-prinsip keadilan, keberlanjutan, dan inklusivitas. Penelitian ini bertujuan untuk menganalisis kontribusi LKS dalam memfasilitasi pembangunan ekonomi Indonesia, sekaligus mengidentifikasi tantangan serta prospeknya di masa depan. Metode penelitian yang digunakan adalah deskriptif-analitis dengan pendekatan normatif-empiris. Data diperoleh melalui telaah regulasi terkait, literatur akademik, serta laporan statistik perbankan dan lembaga keuangan syariah, ditambah wawancara dengan praktisi di sektor syariah. Hasil penelitian menunjukkan bahwa LKS berkontribusi signifikan dalam penghimpunan dana masyarakat melalui produk tabungan dan investasi berbasis syariah, penyaluran pembiayaan untuk UMKM, serta pendukung pembiayaan infrastruktur dengan skema sukuk. Selain itu, LKS juga berperan dalam pemberdayaan ekonomi umat melalui pembiayaan mikro, integrasi zakat, infaq, shadaqah, dan wakaf produktif. Namun demikian, tantangan yang dihadapi antara lain literasi keuangan syariah yang masih rendah, keterbatasan inovasi produk, serta persaingan ketat dengan lembaga keuangan konvensional
PERAN STRATEGIS PEMBIAYAAN SYARIAH DALAM MEWUJUDKAN KEADILAN EKONOMI BERBASIS SYARIAH Marthen Gwijangge; Wenda Waromi; Johannes Silas Kaisiepo
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 3 No. 2 (2026): Juni
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v3i2.442

Abstract

Penelitian ini bertujuan untuk menganalisis peran strategis pembiayaan syariah dalam mewujudkan keadilan ekonomi berbasis prinsip-prinsip Islam. Keadilan ekonomi dalam konteks ini dimaknai sebagai distribusi kesejahteraan yang merata, partisipatif, dan bebas dari eksploitasi. Penelitian dilakukan dengan pendekatan kualitatif deskriptif melalui studi lapangan pada tiga lembaga keuangan syariah yang aktif menyalurkan pembiayaan mikro dan UMKM berbasis akad murabahah, mudharabah, dan musyarakah. Teknik pengumpulan data dilakukan melalui wawancara mendalam, observasi partisipatif, dan dokumentasi. Hasil penelitian menunjukkan bahwa pembiayaan syariah memiliki peran signifikan dalam meningkatkan akses permodalan kelompok marginal, mendorong partisipasi ekonomi masyarakat bawah, serta membangun ekosistem ekonomi yang lebih inklusif dan etis. Namun, efektivitas peran tersebut dipengaruhi oleh kapasitas kelembagaan, literasi keuangan syariah masyarakat, serta pengawasan syariah yang konsisten. Penelitian ini merekomendasikan penguatan regulasi pembiayaan mikro syariah, peningkatan kapasitas amil dan pembiaya, serta sinergi antara lembaga keuangan dan otoritas zakat untuk memperkuat keadilan distributif. Temuan ini memperkaya literatur ekonomi Islam dengan memberikan bukti empiris bahwa pembiayaan syariah tidak hanya memiliki fungsi ekonomi, tetapi juga fungsi keadilan sosial yang strategis.

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