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Editorial Office: Program Studi Manajemen Keuangan Syariah Sekolah Tinggi Agama Islam Negeri Bengkalis Jl. Lembaga, Senggoro, Kec. Bengkalis, Kabupaten Bengkalis, Riau Kode Pos: 28714. - INDONESIA Website: http://mksy.kampusmelayu.ac.id Email of Journal: mbisku.stainbengkalis@gmail.com
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INDONESIA
Jurnal Manajemen Bisnis dan Keuangan
Published by Sekolah Tinggi Agama Islam Negeri Bengkalis
ISSN : -     EISSN : 30474914     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
MBisKu : Jurnal Manajemen Bisnis dan Keuangan is a scientific journal focused on topics related to Financial Management, Sharia Financial Management, Sharia Capital Markets, Sharia Business, Marketing Management, Human Resource Management, Entrepreneurship, Operational management, Business Digital, Accounting management, Risk Management, Sharia Risk Management, Public Finance, MBISKu publishes articles twice a year, in Januari and July.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 46 Documents
 1   2   3   4   5 
AN ANALYSIS OF THE EFFECTIVENESS OF CASH WAQF DIGITALIZATION THROUGH CROWDFUNDING PLATFORMS ON MSME EMPOWERMENT IN THE DIGITAL ECONOMY ERA: A CASE STUDY OF BENGKALIS DISTRICT Sandi Andika; Jeny Farhana; Nur Azizi; Putri Devi Jumartrianti
MBISKU: Jurnal Manajemen Bisnis dan Keuangan Vol. 3 No. 1 (2026): MBisKu, January 2026
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/mbisku.v3i1.1593

Abstract

This study analyzes the effectiveness of cash waqf digitalization through crowdfunding platforms in supporting the empowerment of Micro, Small, and Medium Enterprises (MSMEs) in the digital economy era. The rapid development of financial technology (fintech) has transformed Islamic social finance, including cash waqf, making it more transparent, efficient, and accessible. However, several challenges remain, such as low public literacy, limited regulations, and a lack of trust in digital platforms. This study uses a quantitative approach with a descriptive-verificative method, drawing on data collected through questionnaires distributed to MSME actors and the public familiar with digital waqf. The findings indicate that digitalizing cash waqf through crowdfunding platforms improves access to financing, enhances business capacity, and strengthens MSME sustainability. In addition, factors such as transparency, accessibility, efficiency, and trust play an important role in increasing the effectiveness of digital waqf management. Therefore, digital cash waqf through crowdfunding platforms can serve as an effective, inclusive, and sustainable Islamic social finance instrument in empowering MSMEs in the digital economy era, although improvements in literacy, regulation, and managerial professionalism are still needed.
ISLAMIC BUSINESS ETHICS IN SHARIA-COMPLIANT BUY NOW PAY LATER PRACTICES: THE CHALLENGE OF CONSUMERISM AMONG UNIVERSITY STUDENTS Sandi Andika; Febri Helpina; Rahma Safira; Putri Agustina
MBISKU: Jurnal Manajemen Bisnis dan Keuangan Vol. 3 No. 2 (2026): MBisKu, July 2026
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/mbisku.v3i2.1594

Abstract

The rapid expansion of digital financial technology has popularized Sharia-compliant Buy Now Pay Later (BNPL) services among university students, driven by accessibility and flexible payment schemes. This study investigates the implementation of Sharia BNPL practices among students at the State Islamic Institute of Datuk Laksemana Bengkalis, evaluating the resulting consumptive behavior through the lens of Islamic business ethics. Employing a descriptive qualitative methodology, data were gathered from 40 purposively sampled informants via in-depth interviews, observations, and documentation. The analysis, conducted using the interactive model of Miles, Huberman, and Saldaña, reveals that transactional convenience, lifestyle trends, and social pressures primarily motivate BNPL usage. Crucially, the study finds that limited Islamic financial literacy fosters impulsive purchasing and excessive consumption (israf), shifting student focus from fundamental needs to fleeting wants. Furthermore, the application of core Islamic business ethics shiddiq (truthfulness), tabligh (transparency), 'adl (justice), and amanah (responsibility) remains suboptimal within these digital transactions. The study concludes that addressing this digital consumerism requires synergistic efforts to enhance Sharia financial literacy and internalize values such as qana'ah (contentment)  to promote rational, ethically aligned financial behavior.
THE INFLUENCE OF LOCATION, PRICE, AND PROMOTIONS ON THE DECISION TO PURCHASE SUBSIDIZED HOUSING Rizkia Mulia Azizah; Sri Zuliarni
MBISKU: Jurnal Manajemen Bisnis dan Keuangan Vol. 3 No. 2 (2026): MBisKu, July 2026
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/mbisku.v3i2.1596

Abstract

This study aims to analyze the influence of location, price, and promotion on the decision to purchase a subsidized home in the Bintan Taman Deli Housing Complex owned by PT Cahaya Anugrah Ramadhan. This study employs a quantitative approach. The study population consists of all actual buyers who meet the study criteria at the Bintan Taman Deli Housing Complex, with a total of 51 respondents. Data collection was conducted through interviews, questionnaires, and documentation. Data analysis utilized multiple linear regression with the assistance of SPSS 26. The tests included validity and reliability tests, classical assumption tests, multiple linear regression, the coefficient of determination, the t-test, and the F-test. The results indicate that, when analyzed individually, location does not yet show a significant influence on the purchase decision. The price and promotion variables have a positive and significant effect on purchasing decisions. Simultaneously, the location, price, and promotion variables are significant based on the F-test. The coefficient of determination value of 68.9% indicates that 68.9% of the variation in purchasing decisions can be explained by the location, price, and promotion variables, while the remaining 31.1% is explained by other factors outside the research model. The results of this study are limited to actual homebuyers in the Bintan Taman Deli Housing Complex and cannot be directly generalized to all prospective buyers of subsidized homes.
FUNDAMENTAL FINANCIAL PERFORMANCE AND FIRM VALUE: EVIDENCE FROM PT GUDANG GARAM TBK, 2014–2024 Aksan Ibrahim; Achmad Ludvy
MBISKU: Jurnal Manajemen Bisnis dan Keuangan Vol. 3 No. 2 (2026): MBisKu, July 2026
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/mbisku.v3i2.1597

Abstract

This study examines the effects of Quick Ratio (QR), Debt to Equity Ratio (DER), Total Asset Turnover (TATO), and Return on Assets (ROA) on Price to Book Value (PBV) of PT Gudang Garam Tbk during 2014–2024. A quantitative explanatory approach was employed using secondary data from annual financial reports and market information, comprising 11 annual observations. Multiple linear regression was performed using IBM SPSS Statistics to evaluate partial and simultaneous effects. The results show that QR has a negative and insignificant effect on PBV (β = −0.309; p = 0.486), while DER also has a negative and insignificant effect (β = −0.021; p = 0.960). TATO exhibits a negative and insignificant effect on PBV (β = −0.209; p = 0.465). In contrast, ROA has a positive and significant effect on PBV (β = 0.778; p = 0.017). Simultaneously, QR, DER, TATO, and ROA significantly affect PBV (F = 5.876; p = 0.029), with an R² of 0.797. These findings indicate that profitability represents the strongest individual financial indicator associated with market valuation.
THE EFFECTS OF RETURN ON ASSETS, EARNINGS PER SHARE, AND DEBT-TO-EQUITY RATIO ON BBNI STOCK PRICE 2010–2024 Amanda Delawati; Achmad Ludvy
MBISKU: Jurnal Manajemen Bisnis dan Keuangan Vol. 3 No. 2 (2026): MBisKu, July 2026
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/mbisku.v3i2.1598

Abstract

This study examines the effects of Return on Assets (ROA), Earnings per Share (EPS), and Debt to Equity Ratio (DER) on the stock price of PT Bank Negara Indonesia (Persero) Tbk during 2010–2024. Using a quantitative approach, this study analyzes 15 annual observations obtained from annual reports and stock market records. Multiple linear regression was performed using SPSS to examine the partial and simultaneous effects of the financial indicators. The results show that ROA has a significant negative effect on stock price (t = −3.60; p = 0.004), while EPS has a significant positive effect (t = 3.53; p = 0.005). In contrast, DER has no significant effect (t = −0.08; p = 0.935). Simultaneously, ROA, EPS, and DER significantly affect stock price (F = 7.17; p = 0.0062), with an R² of 66.16%. These findings indicate that financial indicators provide substantial information for stock valuation, although market valuation is also influenced by factors beyond the model. The study highlights the importance of sustainable earnings, earnings attributable to shareholders, prudent financial management, and broader market considerations in assessing bank stock valuation
DIGITAL TRANSFORMATION, OMNICHANNEL INTEGRATION, AND FOREIGN MARKET ENTRY: A LITERATURE REVIEW Sora Baltasar; Surya Budiman; Gregoria Eva Dita Kristina Sirait
MBISKU: Jurnal Manajemen Bisnis dan Keuangan Vol. 3 No. 2 (2026): MBisKu, July 2026
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/mbisku.v3i2.1607

Abstract

This study examines how digital transformation contributes to foreign market entry through omnichannel integration and develops a sequential capability perspective linking these three constructs. A systematic literature review was conducted using 30 scholarly references identified through Scopus, Web of Science, and Google Scholar. The literature was systematically screened and synthesised based on its relevance to digital transformation, omnichannel integration, and foreign market entry. The findings support both proposed relationships. Digital transformation contributes to omnichannel integration by enabling shared information, interconnected processes, and coordinated customer interactions, although technological adoption alone is insufficient without organisational alignment. Omnichannel integration, in turn, facilitates foreign market entry by connecting digital and physical routes to customers, supporting market learning, and enabling progressive market development. The review further identifies omnichannel integration as the connecting capability that converts digital resources into coordinated foreign-market access. These findings suggest that firms should manage digital transformation, channel integration, and international expansion as interconnected strategic processes rather than separate initiatives. Future research should empirically validate the sequential model across industries, countries, and levels of digital maturity

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