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M. Guffar Harahap
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Journal of Sharia Business Management
  • jurnalmanajemenbisnissyariah
  • Website
Published by CV. Barokah Publisher
ISSN : -     EISSN : 29632218     DOI : -
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Social Sciences Other
(INTERNATIONAL, Journal of Sharia Business Management) is dedicated to the development of scientific treasures in the field of Islamic economics and finance. Researchers and academics are given space to contribute to various studies published through this journal. The scope of the study of the (INTERNATIONAL, Journal of Sharia Business Management) is related to the themes of Islamic economics, Islamic banking, Islamic accounting, sharia management, sharia business, ZISWAF, halal industry, and other studies that correlate with the theme of this journal and have interesting discussion value. Each published article is the sole responsibility of the Author, but the Editor can edit without changing the substance of the article.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 110 Documents
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PERAN USAHA MIKRO, KECIL DAN MENENGAH (UMKM) DALAM PENGEMBANGAN EKONOMI INDONESIA Delia Torsa Purba; Wafiyah Ningrum; Aryadanu Dalimunte; Misagi Mukhti Ginting; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study explores the contribution of Micro, Small, and Medium Enterprises (MSMEs) to Indonesia’s economic development by analyzing their role in GDP, employment absorption, regional business distribution, access to financing, and integration into global value chains. Employing a descriptive qualitative approach through literature review, this research utilizes national journals, government reports, and official statistical data. The findings reveal that MSMEs play a significant role in the national economy, contributing 61% to GDP and 97% to employment absorption. However, MSMEs continue to face several challenges, including limited capital, low levels of digitalization, insufficient human resource quality, and infrastructure disparities. Although MSME participation in export activities has increased, further integration into the Global Value Chain (GVC) and utilization of Global E-Commerce (GEC) are required. This study recommends capacity enhancement, digital transformation, expanded access to financing, and the development of a supportive business ecosystem to maximize the contribution of MSMEs to inclusive and sustainable national economic growth.
DAMPAK BENCANA ALAM TERHADAP POLA PERMINTAAN BARANG DAN FENOMENA PANIC BUYING DI MASYARAKAT Tukma Putri Tanjung; Revi Prastanti; Imam Syuhada; Rayhan Tambak Bintang; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

Indonesia is a country prone to natural disasters such as floods, earthquakes, and landslides, which not only cause physical damage but also affect people’s economic behavior. During disasters, communities often experience anxiety about the availability of essential goods, leading to excessive purchasing behavior known as panic buying. This phenomenon was observed in several areas of North Sumatra, where residents rushed to buy large quantities of fuel (BBM) due to fears of shortages, even though the government had assured that distribution remained stable. This study aims to analyze the relationship between natural disasters and changes in demand patterns for goods, as well as to identify the factors that trigger panic buying among the public. The research uses a descriptive qualitative approach, utilizing secondary data from online news, official reports, and previous studies. The results show that natural disasters can disrupt the supply chain and decrease public confidence in the availability of goods. Psychological factors such as fear and uncertainty are the main drivers of panic buying, which can lead to temporary price spikes and market imbalances. Therefore, the government’s role in providing accurate information and ensuring the availability of goods is crucial to maintaining public stability during disaster situations.
EFEKTIVITAS KEBIJAKAN MONETER DAN FISKAL DALAM MENJAGA STABILITAS EKONOMI DI ERA PASCA PANDEMI Dianda Hashifah; Yunita Dwi Rahmawati; Muhammad Arfan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This research aims to analyze the effectiveness of monetary and fiscal policies in maintaining Indonesia’s economic stability in the post-pandemic era. The COVID-19 pandemic caused significant disruptions to economic growth, price stability, and the national financial system, requiring appropriate and well-coordinated macroeconomic policy responses. Fiscal policy, implemented through increased government spending and economic stimulus, is expected to support economic recovery, while monetary policy plays a crucial role in controlling inflation and maintaining financial liquidity. This research employs a qualitative descriptive approach using a literature review method by examining relevant scientific journals, policy reports, and official publications published since 2020. The findings indicate that strong coordination between monetary and fiscal policies is essential in maintaining economic stability and accelerating post-pandemic recovery. However, policy effectiveness is highly influenced by global economic conditions, institutional coordination, and the timing of policy implementation. Therefore, strengthening policy coordination and conducting continuous evaluations are necessary to ensure that monetary and fiscal policies operate effectively and sustainably in addressing future economic challenges.
STUDI LITERATUR PEMBIAYAAN UMKM PADA PERBANKAN SYARIAH Nurhikmah Berasa; Haya Aghnia Azzahra; Muhammad Habib Rifky; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze the role and effectiveness of Islamic banking in financing micro, small, and medium enterprises (MSMEs) in Indonesia. Using a qualitative descriptive approach through literature review, this research synthesizes data from books, scientific journals, and official publications from 2014 to 2024 related to Islamic banking and MSME development. The study reveals that Islamic banks play a crucial role in supporting MSMEs through profit-and-loss sharing schemes such as mudharabah, musyarakah, and murabahah, which emphasize fairness and partnership principles. Despite these advantages, several obstacles remain, including low Islamic financial literacy, limited collateral, and insufficient product innovation for micro-segments. The findings suggest that collaboration among Islamic banks, government, and financial technology institutions is necessary to enhance inclusion and innovation in Islamic financing. This research contributes theoretically to the development of Islamic financial models for MSMEs and provides practical implications for policymakers to strengthen the Islamic banking ecosystem in promoting inclusive and sustainable economic growth in Indonesia.
PERAN GOOD CORPORATE GOVERNANCE TERHADAP KINERJA MANAJEMEN DAN KEPERCAYAAN PEMANGKU KEPENTINGAN PERUSAHAAN MEDAN LOKAL MODERN Dina Cheetah Khairiyah; Julia Hamdini Nasution; Rafly Aditya Ramadhan; Ahmad Wahyudi Zein
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

Penelitian ini bertujuan untuk menganalisis peran Good Corporate Governance (GCG) terhadap kinerja manajemen dan tingkat kepercayaan pemangku kepentingan pada perusahaan lokal modern di Kota Medan. Penerapan GCG dipandang sebagai fondasi penting dalam menciptakan tata kelola perusahaan yang transparan, akuntabel, bertanggung jawab, independen, dan adil. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan pengumpulan data melalui kuesioner yang disebarkan kepada manajemen dan pemangku kepentingan perusahaan. Teknik analisis data dilakukan menggunakan analisis regresi untuk menguji pengaruh variabel GCG terhadap kinerja manajemen dan kepercayaan pemangku kepentingan. Hasil penelitian menunjukkan bahwa penerapan Good Corporate Governance berpengaruh positif dan signifikan terhadap peningkatan kinerja manajemen. Selain itu, GCG juga terbukti mampu meningkatkan kepercayaan pemangku kepentingan terhadap perusahaan, yang tercermin dari persepsi positif terhadap transparansi dan profesionalisme pengelolaan perusahaan. Temuan ini mengindikasikan bahwa perusahaan lokal modern di Medan yang menerapkan prinsip GCG secara konsisten memiliki peluang lebih besar untuk mencapai kinerja yang berkelanjutan dan memperoleh dukungan jangka panjang dari pemangku kepentingan. Penelitian ini diharapkan dapat menjadi referensi bagi perusahaan dalam memperkuat praktik tata kelola yang baik.
TRANSFORMASI LEMBAGA KEUANGAN NON BANK ISLAM DALAM MENINGKATKAN INKLUSI KEUANGAN BERBASIS PRINSIP SYARIAH NASIONAL INDONESIA Anggi Arko Azzahra Kudadiri; Aida Fadillah; Muhammad Arfan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This research discusses the role and development of Islamic Non-Bank Financial Institutions within the modern economic system based on sharia principles. Islamic Non-Bank Financial Institutions emerge as alternative financial intermediaries that not only focus on profit generation but also emphasize justice, social welfare, and ethical balance. This research aims to analyze the characteristics, functions, and contributions of Islamic Non-Bank Financial Institutions in supporting economic growth and financial inclusion. The method used in this research is a literature study by examining relevant books, scientific journals, and regulations related to Islamic finance. The results indicate that Islamic Non-Bank Financial Institutions play a strategic role in providing sharia-compliant financial services such as financing, Islamic insurance (takaful), Islamic pension funds, and other financing institutions. Their existence enhances public access to halal and ethical financial services. However, these institutions face several challenges, including low levels of sharia financial literacy and strong competition from conventional financial institutions. Therefore, strengthening regulations, encouraging product innovation, and improving continuous education are necessary to ensure the sustainable development of Islamic Non-Bank Financial Institutions in the future.
PENTINGNYA ANGGARAN KAS DALAM MENJAGA LIKUIDITAS DAN STABILITAS OPERASIONAL PERUSAHAAN Ahmad Ramdhani Mungkur; Dinda Nurayuni Humaira; Nurhikmah Berasa; Dini Vientiany
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

Cash budgeting is an essential instrument in corporate financial management as it directly influences cash flow management, liquidity, and operational stability. This study aims to analyze the importance of cash budgets in maintaining liquidity and operational stability in companies. The research employs a qualitative approach using a descriptive method through a literature review. Data were collected from relevant academic sources, including accounting and financial management textbooks as well as national and international journal articles, particularly publications from 2021 to 2025. The findings indicate that a systematic and realistic cash budget enables companies to manage cash inflows and outflows more effectively, allowing short-term obligations to be met on time and reducing liquidity risk. Furthermore, cash budgeting functions as a preventive control tool that supports operational stability, especially in conditions of cash flow uncertainty. This study concludes that cash budgeting plays a strategic role as a planning, control, and decision-making tool in ensuring sustainable business operations. Therefore, companies are encouraged to continuously improve the preparation and evaluation of their cash budgets.
PERAN FINTECH DALAM MENINGKATKAN INKLUSI PASAR MODAL SYARIAH DI INDONESIA Nia Safira Ramadhanty Pane; Reni Ria Armayani Hasibbuan; Asryatun Nisa BR Ginting; Ezika Aquilera Sitio
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025)
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Abstract

The development of financial technology (fintech) has brought significant changes to the financial system, including the Islamic capital market sector in Indonesia. The capital market plays a crucial role as a means of fund mobilization and allocation for society while supporting sustainable economic growth. However, the level of inclusion in the Islamic capital market still faces various challenges, such as limited access, low financial literacy, and complex investment procedures. This study aims to analyze the role of fintech in enhancing the inclusion of the Islamic capital market in Indonesia. The research method employed is a literature review by examining scholarly journals, books, official reports, and regulations related to fintech, financial inclusion, and the Islamic capital market. The findings indicate that fintech plays an important role in expanding public access to Islamic investment through transaction convenience, reduced initial capital barriers, and improved efficiency and transparency. Furthermore, fintech encourages greater participation of retail investors while maintaining compliance with Sharia principles as stipulated in relevant fatwas and regulations. Therefore, fintech has significant potential to support the enhancement of Islamic capital market inclusion in Indonesia, particularly when accompanied by improved Islamic financial literacy and strengthened regulatory frameworks..
ANALISIS EKONOMI POLITIK KRISIS ENERGI GLOBAL TERHADAP KEBIJAKAN SUBSIDI ENERGI DI INDONESIA Rizky Amelia Siregar; Hanifa Ayu S; Ahmad Zaki Sinulingga; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025)
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Abstract

The ongoing global energy crisis from 2022 to 2025 has significantly affected the economic and political stability of developing countries, including Indonesia. The fluctuation of oil, natural gas, and coal prices due to geopolitical conflicts and global energy transition has placed strong pressure on Indonesia’s national energy subsidy policy. This study aims to analyze how the global energy crisis influences Indonesia’s energy subsidy policy through a political economy perspective. A qualitative descriptive approach was applied using document and policy discourse analysis, drawing on sources such as Indonesia’s 2025 State Budget Financial Note, reports from the International Energy Agency (IEA), the World Bank, and various government statements. The findings reveal that Indonesia’s energy subsidy policy is not merely economically driven but is also shaped by complex political considerations aimed at maintaining social stability and regime legitimacy. The government utilizes energy subsidies as a political instrument to preserve public trust amid fiscal pressures resulting from global energy price volatility. This study contributes theoretically by strengthening the understanding of energy subsidies as a politicaleconomic instrument, and practically by providing policy recommendations for a more transparent, gradual, and sustainable energy subsidy reform aligned with Indonesia’s energy transition goals.
IMPLEMENTASI ANGGARAN MODAL DALAM PENGAMBILAN KEPUTUSAN INVESTASI UMKM BERBASIS SYARIAH: TINJAUAN LITERATUR Nurhani Syasalbilah; Anggi Maydistra Sukma; Sabhi Febrian; Dini Vientiany
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran strategis dalam perekonomian Indonesia, khususnya dalam menciptakan lapangan kerja dan mendorong pemerataan pendapatan. Namun demikian, UMKM masih menghadapi berbagai permasalahan dalam pengelolaan keuangan, terutama terkait pengambilan keputusan investasi jangka panjang yang terencana dan rasional. Salah satu instrumen manajemen keuangan yang penting dalam mendukung keputusan investasi adalah anggaran modal (capital budgeting). Penelitian ini bertujuan untuk mengkaji dan menganalisis implementasi anggaran modal dalam pengambilan keputusan investasi pada UMKM berbasis syariah melalui pendekatan tinjauan literatur. Metode penelitian yang digunakan adalah Systematic Literature Review (SLR) dengan penyajian naratif terhadap artikel jurnal nasional terakreditasi yang diterbitkan dalam lima tahun terakhir. Hasil kajian menunjukkan bahwa meskipun anggaran modal secara konseptual dipahami sebagai alat yang penting, penerapannya pada UMKM berbasis syariah masih tergolong rendah. Faktor utama yang menjadi penghambat meliputi rendahnya literasi keuangan, keterbatasan sumber daya manusia, minimnya pencatatan keuangan, serta kurangnya pemahaman terhadap prinsip keuangan syariah. Selain itu, penerapan anggaran modal pada UMKM berbasis syariah memerlukan penyesuaian agar selaras dengan prinsip-prinsip syariah, terutama terkait penggunaan tingkat diskonto dan sumber pembiayaan. Penelitian ini diharapkan dapat memberikan kontribusi teoretis dalam pengembangan kajian manajemen keuangan syariah serta menjadi referensi praktis bagi pelaku UMKM berbasis syariah dalam meningkatkan kualitas pengambilan keputusan investasi.

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