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Jurnal Ekonomi dan Bisnis
Published by Universitas Dian Nuswantoro
ISSN : -     EISSN : 29648866     DOI : -
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Jurnal Ekonomi dan Bisnis (JEKOBS) adalah media publikasi penelitian empiris ataupun konseptual oleh mahasiswa Jurusan Manajemen dan Akuntansi. Artikel - artikel yang dipublikasikan merupakan publikasi Tugas Akhir mahasiswa dalam menyelesaikan jenjang pendidikan, baik Strata 1, 2, maupun 3. Artikel yang terbit sudah melalui uji proposal, uji lisan dan presentasi, selayaknya ujian akhir pada proses penyusunan Tugas Akhir mahasiswa. Serta, penyusunan standar penulisan karya ilmiah sesuai kedalaman materi mahasiswa pada masing-masing Strata. Jurnal Ekonomi dan Bisnis (JEKOBS) diterbitkan berkala dalam basis 3 bulanan setiap Maret, Juni, September, Desember, serta diterbitkan secara Online pada website: http://publikasi.dinus.ac.id/index.php/JEKOBS Jurnal Ekonomi dan Bisnis (JEKOBS) mempublikasikan Jurnal dalam cakupan bidang keilmuan meliputi: --Management Science Marketing Management Operations Management Financial management Human Resource Management International Business Entrepreneurship --Accounting Sciences Taxation and Public Sector Accounting Accounting information system Auditing Financial Accounting Management accounting Behavioral accounting
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 6 Documents
 1 
Search results for , issue "Vol. 4 No. 2 (2025): Juni 2025" : 6 Documents clear
Analisis Faktor Keuangan dan Strategi Pendanaan Terhadap Kelayakan Bisnis Thrift Threzz Kediri Ananda, Briza Khaterine; Abdurrahman, Abdurrahman
Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2025): Juni 2025
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v4i2.12916

Abstract

This study analyzes the influence of financial management and funding strategies on business feasibility through a case study of Thrift Threzz in Kediri City. Using a qualitative approach, data were gathered via interviews, observation, and documentation. The findings reveal that sound financial management practices, such as proper transaction recording and separation of business and personal finances, contribute to cash flow stability and support informed decision-making. Meanwhile, relying solely on personal capital as a funding strategy has proven effective in maintaining business continuity, though it limits scalability. The integration of these financial and funding aspects demonstrates that the business is feasible, with low operational risk and positive growth potential.   Penelitian ini menganalisis pengaruh pengelolaan keuangan dan strategi pendanaan terhadap kelayakan usaha dengan studi kasus pada Thrift Threzz di Kota Kediri. Menggunakan pendekatan kualitatif, data diperoleh melalui wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa praktik pengelolaan keuangan yang baik, seperti pencatatan transaksi yang teratur dan pemisahan keuangan pribadi dengan usaha, mendukung stabilitas arus kas dan pengambilan keputusan yang tepat. Di sisi lain, penggunaan modal pribadi sebagai satu-satunya strategi pendanaan terbukti efektif dalam menjaga keberlangsungan usaha, meskipun membatasi potensi ekspansi. Kombinasi kedua aspek ini membuktikan bahwa usaha tersebut layak dijalankan, dengan risiko operasional rendah dan prospek pertumbuhan yang menjanjikan.
Peran Bank Waqaf Mikro dalam Mengoptimalkan Waqaf Sebagai Instrumen Pemberdayaan Ekonomi Sumarti, Retno Khabbatuni'mah; Susetyo, Achmad Budi
Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2025): Juni 2025
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v4i2.13078

Abstract

Waqf is an instrument of Islamic philanthropy that has great potential in sustainable economic development of the people. One form of innovation in the management of productive waqf in Indonesia is the establishment of the Micro Waqf Bank (BWM), which is present to provide access to sharia-based financing to low-income communities around Islamic boarding schools. This study aims to analyze the role of the Micro Waqf Bank in the management of productive waqf and formulate a strategy for optimizing waqf as an instrument for empowering the people's economy. The method used is library research with a qualitative approach. The results of the study show that BWM plays a significant role in increasing sharia financial inclusion, encouraging the growth of micro-businesses, and suppressing loan shark practices through collateral-free financing based on the Qardh contract. The strategy for optimizing waqf includes community education, strengthening the capacity of nazhir, innovation of waqf instruments, and synergy between stakeholders.   Wakaf merupakan instrumen filantropi Islam yang memiliki potensi besar dalam pembangunan ekonomi umat secara berkelanjutan. Salah satu bentuk inovasi dalam pengelolaan wakaf produktif di Indonesia adalah pembentukan Bank Wakaf Mikro (BWM), yang hadir untuk memberikan akses pembiayaan berbasis syariah kepada masyarakat berpendapatan rendah di sekitar pesantren. Penelitian ini bertujuan untuk menganalisis peran Bank Wakaf Mikro dalam pengelolaan wakaf produktif serta merumuskan strategi optimalisasi wakaf sebagai instrumen pemberdayaan ekonomi umat. Metode yang digunakan adalah studi pustaka (library research) dengan pendekatan kualitatif. Hasil kajian menunjukkan bahwa BWM berperan signifikan dalam meningkatkan inklusi keuangan syariah, mendorong pertumbuhan usaha mikro, dan menekan praktik rentenir melalui pembiayaan tanpa agunan berbasis akad Qardh. Strategi optimalisasi wakaf mencakup edukasi masyarakat, penguatan kapasitas nazhir, inovasi instrumen wakaf, dan sinergi antar pemangku kepentingan.
Pengaruh Prinsip Syariah Pada Kinerja Keuangan Bank Syariah Di Indonesia Ramadhani, Nur Ainie; Susetyo, Achmad Budi
Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2025): Juni 2025
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v4i2.13143

Abstract

Financial performance of Islamic banks in Indonesia. Islamic banks rely on Islamic principles such as prohibition of usury, fairness in transactions, and fair risk sharing. This study uses literature study and quantitative descriptive analysis. In addition, a literature study approach from accredited journals is also used. Return on Assets (ROA), Return on Equity (ROE), and Financing to Deposit Ratio (FDR) are some of the financial performance indicators used. The results of the study indicate that regular application of Islamic principles improves financial performance, increases customer trust, and improves the stability of Islamic banks. Thus, Islamic principles create ethical values ​​in banking and improve financial performance.   Hasil keuangan bank syariah Indonesia. Prinsip-prinsip syariah seperti larangan riba, keadilan dalam transaksi, dan pembagian risiko yang adil adalah dasar bagi bank syariah. Studi pustaka dan analisis deskriptif digunakan dalam penelitian ini. Selain itu, metodologi studi literatur dari jurnal terakreditasi juga digunakan. Beberapa indikator kinerja keuangan yang digunakan termasuk Return on Assets (ROA), Return on Equity (ROE), dan Financing to Deposit Ratio (FDR). Studi menunjukkan bahwa penerapan prinsip syariah secara teratur meningkatkan kinerja keuangan, meningkatkan kepercayaan nasabah, dan meningkatkan stabilitas bank syariah. Oleh karena itu, nilai-nilai etis dan kinerja finansial diperkuat oleh prinsip syariah.
Peran Teknologi Finansial dalam Inovasi Layanan Perbankan Syariah Salim, Habibah; Susetyo, Achmad Budi
Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2025): Juni 2025
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v4i2.13158

Abstract

The advancement of financial technology (fintech) has had a significant impact on service innovation in Islamic banking. Various fintech-based solutions contribute to enhancing operational efficiency, expanding service accessibility, and ensuring transaction transparency in the Islamic finance system. Technologies such as digital payments, Sharia peer-to-peer lending, and Sharia crowdfunding enable the community to access financial services in accordance with Islamic principles more easily and quickly. This study aims to examine the role of fintech in strengthening Islamic banking services and its impact on financial inclusion and economic stability based on Sharia. Using a qualitative approach grounded in literature review, this research explores how the integration of fintech can drive the growth of the Islamic banking industry while also identifying the challenges faced, particularly related to regulation, financial literacy, and technology risks.   Kemajuan teknologi finansial (fintech) telah memberikan dampak signifikan terhadap inovasi layanan dalam perbankan syariah. Berbagai solusi berbasis fintech berkontribusi dalam meningkatkan efisiensi operasional, memperluas aksesibilitas layanan, serta memastikan transparansi transaksi dalam sistem keuangan berbasis syariah. Teknologi seperti pembayaran digital, peer-to-peer lending syariah, dan crowdfunding syariah memungkinkan masyarakat memperoleh layanan keuangan sesuai dengan prinsip Islam dengan lebih mudah dan cepat. Penelitian ini bertujuan untuk mengkaji peran fintech dalam memperkuat layanan perbankan syariah serta dampaknya terhadap inklusi keuangan dan stabilitas ekonomi berbasis syariah. Dengan pendekatan kualitatif berbasis kajian literatur, penelitian ini mengeksplorasi bagaimana integrasi fintech dapat mendorong pertumbuhan industri perbankan syariah sekaligus mengidentifikasi tantangan yang dihadapi, terutama terkait regulasi, literasi keuangan, dan risiko teknologi.
Analysis of Used Car Consumer Financing through Murabahah Contract in Islamic Banking Yulianti, Mei Nurus Syamsiyah
Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2025): Juni 2025
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v4i2.13085

Abstract

This study examines the implementation of murabahah contracts in consumer financing for used motor vehicles by Islamic banks. With the rapid expansion of Islamic financial institutions in Indonesia, there is a growing demand for financing products that comply with sharia principles. Used car financing is increasingly favored as a more economical alternative to new vehicle purchases. This research explores how Islamic banks apply murabahah, a cost-plus sale mechanism, ensuring that ownership remains with the bank, prices are transparent, and elements such as riba, gharar, and maysir are avoided. Despite its benefits, financing used vehicles presents challenges such as asset depreciation, legal uncertainties regarding ownership, and undisclosed defects. This study investigates the risk management strategies adopted by Islamic banks, including evaluating customer eligibility, conducting asset appraisals, and strengthening legal documentation. Additionally, while consumer financing expands financial access, it is often considered less economically productive.
Pengaruh Lokasi, Promosi, Pengetahuan Terhadap Minat Menabung di Bank Syariah, Studi Kasus di Desa Branta Tinggi, Kabupaten Pamekasan Mailinda, Syofiana
Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2025): Juni 2025
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v4i2.13165

Abstract

This study aims to analyze the effect of location, promotion, and knowledge on the interest of the people of Branta Tinggi Village to save at Islamic banks. Islamic banks as financial institutions based on Islamic principles need to understand the factors that encourage people to become customers. Using a quantitative approach with the SmartPLS 4 analysis tool, this study evaluates the extent to which the three independent variables affect the interest in saving as the dependent variable. The results of this study are expected to contribute to the development of marketing strategies for Islamic banks in rural areas.                                                      Penelitian ini bertujuan untuk menganalisis pengaruh lokasi, promosi, dan pengetahuan terhadap minat masyarakat Desa Branta Tinggi untuk menabung di bank syariah. Bank syariah sebagai lembaga keuangan berbasis prinsip-prinsip Islam perlu memahami faktor-faktor yang mendorong masyarakat untuk menjadi nasabah. Menggunakan pendekatan kuantitatif dengan alat analisis SmartPLS 4, penelitian ini mengevaluasi sejauh mana ketiga variabel independen tersebut memengaruhi minat menabung sebagai variabel dependen. Hasil penelitian ini diharapkan dapat memberikan kontribusi bagi pengembangan strategi pemasaran bank syariah di daerah pedesaan

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