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Lila Maria Kaban
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INDONESIA
Jurnal Bersama Ilmu Ekonomi
Published by Yayasan Literasi Sains Indonesia
ISSN : 30906407     EISSN : 30906393     DOI : https://doi.org/10.55123/ekonom
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Bersama Ilmu Ekonomi yang disingkat EKONOM adalah publikasi ilmiah berkala yang diterbitkan oleh Yayasan Literasi Sains Indonesia. Jurnal EKONOM memuat artikel-artikel hasil penelitian, kajian teoretis, dan studi empiris di bidang ilmu ekonomi, dengan fokus pada isu-isu yang relevan untuk pengembangan ilmu pengetahuan dan kebijakan. Jurnal EKONOM terbit empat kali dalam setahun, pada bulan Februari, Mei, Agustus, dan November, serta menjadi wadah bagi akademisi, peneliti, dan praktisi untuk berbagi pengetahuan dan inovasi.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 7 Documents
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Search results for , issue "Vol. 2 No. 1 (2026): Februari 2026" : 7 Documents clear
Implementasi Prinsip Syariah pada Produk Pembiayaan KPR di Bank BTN Syariah Parepare Nuralika, Nuralika; Muhammad Zaky Putra Firman; Ahmad Jaya; Ulan Fajriah
Jurnal Bersama Ilmu Ekonomi (EKONOM) Vol. 2 No. 1 (2026): Februari 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/ekonom.v2i1.354

Abstract

This study aims to examine the implementation of sharia principles in mortgage financing products at Bank BTN Syariah Parepare. It uses a descriptive qualitative method with a case study approach. Data collection techniques include interviews with bank officials and literature review. The results of this study indicate that Bank BTN Syariah Parepare applies sharia principles in KPR financing through the use of murabahah and musyarakah mutanaqisah contracts. The murabahah contract is used for the purchase of ready-to-occupy houses with an agreed profit margin, ensuring that the transaction is free of usury. Musyarakah mutanaqisah is applied to houses under construction, involving a gradual partnership until the customer fully owns the house. In addition to using sharia contracts, Bank BTN Syariah Parepare also applies sharia principles in its human resources (HR) and mortgage financing product marketing. However, there are still challenges in the form of a lack of customer understanding of the concept of margin and sharia contracts, which are often compared to conventional mortgages. Based on this, further education is needed to improve sharia financial literacy among the public.
Business Model Canvas PT Zakiah Dina Tayyibah: Implementasi Prinsip Syariah Ana Karerina; Dera, Dera; Wafiq Asizah; Zidny Ilman Nafia
Jurnal Bersama Ilmu Ekonomi (EKONOM) Vol. 2 No. 1 (2026): Februari 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/ekonom.v2i1.383

Abstract

This research aims to review and describe the implementation of Sharia principles and service quality at PT Zakiah Dina Tayyibah Tours & Travel Umroh and Special Hajj, which is headquartered in Parepare City. Utilizing a descriptive qualitative method, data was collected through in-depth interviews, observation, and documentation. The focus of the study covers four aspects: management system, transaction mechanism, corporate culture, and product promotion. The research findings indicate that PT Zakiah Dina Tayyibah has implemented Sharia principles comprehensively across its entire operation. Management is based on the values of amanah (trust), honesty, professionalism, and social responsibility. The transaction mechanism employs the Ijarah al-A’mal contract (service lease), where the company acts as a service provider leasing the benefit of Umrah services to the pilgrims. Transactions are conducted transparently with valid contract evidence and are free from elements of riba (usury), gharar (uncertainty), and maisir (speculation). The corporate culture prominently highlights the values of familial relationship, amanah (trustworthiness), and worship-based service. Meanwhile, promotion is carried out ethically and honestly and is oriented towards the maslahat (benefit/welfare) of the pilgrims, such as offering promotional prices on Umrah packages (Silver, Gold, Platinum) to commemorate the company's anniversary (milad). This strategic framework is also explained through the Business Model Canvas (BMC), which shows that the company's Value Propositions center on providing pilgrimage services that comply with Sharia. The company's rapid growth indicates that the implementation of Sharia principles has successfully maintained the trust (amanah) and loyalty of the pilgrims.
Analisis Teknologi Chatbot Shopee dalam Meningkatkan Kepuasan Pengguna di Kota Pekalongan Muhammad Malik Abdilah; Nur Alifah, Nabilla Septi; Yudha Pratama, Versiandika
Jurnal Bersama Ilmu Ekonomi (EKONOM) Vol. 2 No. 1 (2026): Februari 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/ekonom.v2i1.400

Abstract

This study aims to analyze user experiences when interacting with Shopee’s chatbot and to evaluate its contribution to user satisfaction in Pekalongan City. The research employed a qualitative approach with five informants selected through purposive sampling. Data were collected through semi-structured interviews and analyzed using data reduction, data display, and conclusion drawing. The findings show that the chatbot provides users with convenience and fast access to basic information, helping them complete simple tasks more efficiently. However, the chatbot’s ability to understand the context of user questions remains limited, resulting in responses that are often general and not fully aligned with user needs. These limitations lead to varied levels of satisfaction depending on the complexity of the issues faced. The study concludes that Shopee’s chatbot has the potential to improve the quality of digital services if enhanced with better language comprehension and contextual understanding. The results highlight the need for further development of chatbot capabilities to create a more adaptive and satisfying service experience for users.
Implementasi Prinsip Syariah dalam Pengelolaan UMKM Kuliner (Studi Kasus Cafe Hiray Kota Parepare) Sri Indah Wahyuni; Sri Shifwa Surastri; Nurfadillah Ramadhani Yusuf; Nurul Hikmah; Rezki Fani
Jurnal Bersama Ilmu Ekonomi (EKONOM) Vol. 2 No. 1 (2026): Februari 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/ekonom.v2i1.402

Abstract

This study aims to analyze the sharia business management practices of the Hiray Cafe MSME operating in Parepare City. Hiray Cafe is known as a popular cafe among various groups due to its affordable prices, good product quality, and aesthetic and comfortable atmosphere. This study highlights the application of sharia principles through the provision of halal food and beverage products, the use of ingredients in accordance with Islamic law, and attention to employee religious aspects such as maintaining discipline in performing the five daily prayers. Hiray's business structure includes a division of roles from the owner, manager, HRD, to operational divisions such as baristas, pastry, kitchen, and waiters, which helps work effectiveness and coordination at the MSME scale. The marketing management system utilizes social media such as Instagram, TikTok, WhatsApp, and collaboration with courier partners to expand digital market reach. In addition, a business culture that emphasizes product quality, personalized service, halal certification, and a comfortable atmosphere are key values in business management. The analysis shows that Hiray Cafe has consistently implemented elements of Sharia business management, particularly in halal certification, service ethics, and honest and professional relationships with customers and partners. These findings can serve as a reference for other MSMEs in developing relevant and competitive Sharia-based business models in the digital era.
Implementasi Pembangunan Jalan Desa dalam Meningkatkan Konektivitas Wilayah di Kabupaten Rote Ndao Yurlanda N Foenale
Jurnal Bersama Ilmu Ekonomi (EKONOM) Vol. 2 No. 1 (2026): Februari 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study analyzes the implementation of village road development in improving regional connectivity in Rote Ndao Regency. Field conditions indicate that although the length of village roads has increased, the proportion of roads in good condition has declined, with most of the road network remaining in damaged and severely damaged conditions. This situation reflects ongoing challenges in maintaining the quality and sustainability of village road infrastructure. This study employs a qualitative approach using a literature review method by collecting secondary data from scientific journals, government performance reports, development planning documents, and relevant media articles. The literature review process is conducted through thematic grouping and content analysis to identify patterns, constraints, and policy implications related to village road development in Rote Ndao Regency.The findings reveal that: (1) the implementation of village road development has not been optimal; (2) supporting factors include government commitment and the availability of regulations, while inhibiting factors include limited inter-agency coordination and the quality of human resources; (3) the community responds positively to village road development; and (4) the road development that has been implemented has proven to improve regional connectivity, with tangible impacts on economic productivity and access to education, health services, and other public services.The conclusion emphasizes that village road development plays a strategic role in supporting regional connectivity and community welfare. Therefore, improvements in infrastructure quality and institutional capacity are necessary to achieve sustainable and optimal development outcomes
Menabung Emas Sesuai Syariah: Telaah Implementasi Prinsip Syariah di Bank BTN Syariah Fitri Otaviyani; Dian Anugrah; Nabila Husaini; Muh Al-Furqan Nugrawahyu
Jurnal Bersama Ilmu Ekonomi (EKONOM) Vol. 2 No. 1 (2026): Februari 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/ekonom.v2i1.435

Abstract

This study aims to analyze the implementation of sharia principles in the iB Gold Savings product at Bank BTN Syariah Parepare Branch Office. The focus of the study includes the implementation of the Mudharabah Mutlaqah contract, profit-sharing mechanisms, management transparency, and the role of the Sharia Supervisory Board (DPS) in ensuring operational compliance with Islamic law. This study uses a qualitative descriptive method with data collection techniques through interviews, observations, and documentation studies. The results show that Bank BTN Syariah Parepare has implemented sharia principles optimally in all operational aspects. The Mudharabah contract is implemented with a fair profit-sharing system, namely 25% for customers and 75% for the bank, without any elements of usury, gharar, or maysir. Collaboration with PT Antam ensures the authenticity and security of customers' gold investments. In addition to providing ease of investment, the implementation of sharia principles also strengthens trust, loyalty, and the image of BTN Syariah as a financial institution based on Islamic values. The iB Gold Savings product has proven to be not only financially profitable, but also spiritually valuable because it is in line with the goals of justice and welfare in the Islamic economic system.
Strategi Pemasaran Digital untuk Meningkatkan Kesadaran Merek pada CV Bintang Bangkit Erry Donneli
Jurnal Bersama Ilmu Ekonomi (EKONOM) Vol. 2 No. 1 (2026): Februari 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/ekonom.v2i1.437

Abstract

Digital marketing strategy is a series of systematically designed planning and marketing activities aimed at building, strengthening, and maintaining a company’s presence in the digital environment through the use of various online channels. The primary objective of implementing a digital marketing strategy is to increase brand awareness and attract new customers in a more effective and efficient manner. Through a well-planned digital marketing strategy, companies can achieve specific digital marketing objectives by selecting media and platforms that align with the characteristics of the target market. Enhancing brand awareness is a strategic investment for companies, as it plays a crucial role in creating competitive advantage, expanding market reach, building consumer trust, and fostering long-term customer loyalty. This study employs a literature review method to examine key concepts of digital marketing, including its definitions, types, and commonly used strategies. In addition, the article analyzes the impact of digital marketing strategies on brand awareness, discusses their implementation across various industries, and evaluates their effectiveness in increasing brand awareness, with a specific focus on CV Bintang Bangkit.

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