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Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi (JEBIMAN)
Published by CV. Adiba Aisha Amira
ISSN : -     EISSN : 2985654X     DOI : Zenodo
Core Subject : Economy,
Economics, Econometrics & Finance
JEBIMAN: Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi is a journal that publishes research results, both theoretical and field studies, in general, and specifically related to economics, business, management, and accounting.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 275 Documents
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PENGARUH GAYA HIDUP TERHADAP POLA KONSUMSI DAN KEBIASAAN MENABUNG MAHASISWA GENERASI Z DI UNIVERSITAS ISLAM NEGERI SUMATERA UTARA Alya Aurelia; Anggi Alia Ashari Hsb; M Nabil Putra Hendratmo; Yenni Samri Juliati Nasution
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 3 No. 4 (2025): JULI
Publisher : CV. ADIBA AISHA AMIRA

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Abstract

This study is based on lifestyle changes made by Gen Z students, who spend more and save less. Lifestyle influenced by trends and the desire to appear on social media are the main factors that influence shopping and financial behavior, including saving. The purpose of this study was to assess the effect of lifestyle on shopping patterns and saving habits of Gen Z students at the State Islamic University of North Sumatra. This study uses a quantitative method using a survey method. Data analysis was carried out using multiple linear regression using SPSS version 30; a purposive sample consisting of 100 Generation Z students. This study found that lifestyle has a significant and positive effect on shopping patterns, but also has a negative effect on saving habits. In other words, the more students' lifestyles, the more likely they are not to save. This finding is important as a basis for teaching students about financial literacy from an early age, so that they can manage their lifestyles in a more balanced way and develop better financial habits.
KEBIJAKAN MONETER DAN IMPLIKASINYA TERHADAP STABILITAS EKONOMI MAKRO DI INDONESIA: STUDY SYSTEMATIC LITERATURE REVIEW (SLR) Syifa Athaya; Syafriandi Aziz; Siti Fahira Sihotang; Hj. Yenni Samri Juliati Nasution
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 3 No. 4 (2025): JULI
Publisher : CV. ADIBA AISHA AMIRA

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Abstract

This study aims to systematically review the literature on monetary policy and its impact on macroeconomic stability in Indonesia. Using the Systematic Literature Review method, this study evaluates 10 high-quality journals published between 2020 and 2025. The review shows that monetary policy, particularly through the instruments of benchmark interest rates, open market operations, minimum reserve requirements, and foreign exchange market interventions, plays a significant role in controlling inflation, maintaining exchange rate stability, and promoting economic growth. The findings also show that the response of the Indonesian economy to changes in interest rates and money supply is consistent, but policy effectiveness still faces challenges such as imperfections in policy transmission, global influences, and developments in financial technology. Therefore, an adaptive, credible, and coordinated monetary policy with fiscal policy is needed to achieve sustainable macroeconomic stability.
PERSENTASE RATA-RATA  TINGKAT KEMISKINAN DI KABUPATEN ALOR, LEMBATA, ROTE NDAO, DAN SABU RAJUA  TAHUN 2020 SAMPAI TAHUN 2024 Orlando De Rois Lapuilana; Melki l. Puling Tang; Jon A. Lalang Yame; Imanuel Puling
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 3 No. 4 (2025): JULI
Publisher : CV. ADIBA AISHA AMIRA

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Abstract

This study was conducted to see the effect of economic growth on poverty in Indonesia, the data used is secondary data from the World Bank, Bank Indonesia and the Central Statistics Agency in 1990-2022. This study uses secondary data from the Central Statistics Agency. The variables used are the poverty depth index, the poverty severity index and the percentage of poor people. Data was taken from the Alor Regency Statistics Agency (March 2020-20240). The analysis was carried out using descriptive analysis with map charts and cluster analysis. Cluster analysis is a multivariate method that aims to group objects based on similar characteristics (Hair at all, 2006). Cluster analysis classifies objects so that each object that is closest in similarity to another object is in the same cluster (Chen, 2008). The two methods in this analysis are the hierarchical method and the non-hierarchical method. This study uses a combination of both methods. First use the hierarchical method then continue with the non-hierarchical method. This model can explain short-term, medium-term and long-term behavior.
STRATEGI OPTIMASI DIGITAL MARKETING UNTUK MENINGKATKAN PENJUALAN ONLINE (STUDI KASUS TRAVEL HAJI DAN UMRAH SINAI BUKITTINGGI Widia Sari; Indika Juang Putra
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 3 No. 4 (2025): JULI
Publisher : CV. ADIBA AISHA AMIRA

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Abstract

This study examines the digital marketing optimization method used by Sinai Bukittinggi Hajj and Umrah Travel to boost online sales. Although social media has been used for advertising, prospective pilgrims are still hesitant to register online due to the lack of comprehensive information in the content. This study uses a descriptive qualitative methodology, with data collection through documentation, interviews, and observations. Data reduction, data presentation, and drawing conclusions are the steps involved in data analysis. The findings of this study indicate that the effectiveness of digital marketing is still constrained by the lack of information in the content, low trust in online registration, and limited team skills in content creation. Supporting factors for this strategy include the wide reach of social media and Islamic content policies, while inhibiting factors are limited information and lack of marketing team skills. Optimization of digital marketing needs to be done by improving content quality, increasing the trust of prospective pilgrims, and training the digital marketing team.
RASIO-RASIO YANG BICARA: APAKAH PT PP (PERSERO) TBK MASIH LAYAK DISEBUT RAKSASA KONSTRUKSI? Indah Puspita Sari; Anindyarta Adi Wardhana; Imam Arie Mulyanto; Ovalia Rukmana
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 3 No. 4 (2025): JULI
Publisher : CV. ADIBA AISHA AMIRA

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Abstract

PT PP (Persero) Tbk is a state‑owned construction enterprise recognized as a cornerstone of national infrastructure development in Indonesia. Challenges such as cash flow constraints, rising indebtedness, and declining profitability have underscored the urgency of assessing its competitive resilience and long‑term sustainability. This study aims to evaluate the financial performance of PT PP (Persero) Tbk by employing profitability, liquidity, and leverage, and to determine whether the company remains worthy of its status as one of the nation’s construction giants. A qualitative, descriptive approach was utilized, drawing upon secondary data sourced from the company’s official website and the Indonesia Stock Exchange (IDX). Data were collected through documentation, and descriptive analyses were conducted to identify patterns and trends in the company’s financial performance over time. The results reveal that while the company has demonstrated a generally favorable trend in profitability ratios, certain challenges persist in optimizing net income. Liquidity ratios indicate improvements in cash and current ratios, suggesting enhanced short‑term financial resilience. Meanwhile, although the debt‑to‑equity ratio has shown signs of recovery, the capital structure remains constrained by interest‑bearing liabilities, necessitating a more selective and strategic approach to debt management to safeguard long‑term financial stability. Overall, this study concludes that PT PP (Persero) Tbk remains a viable and competitive entity, meriting its designation as one of Indonesia’s leading construction firms from a financial performance perspective.
ANALISIS PERSEPSI TENAGA PENDIDIK DI MTI CANDUANG TENTANG PRODUK BANK SYARI’AH Muhammad Ilham; Sandra Dewi
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 3 No. 4 (2025): JULI
Publisher : CV. ADIBA AISHA AMIRA

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Abstract

Syariah banks exist to serve the needs of the community at large and the Muslim community in particular, including the financial needs of religious leaders like imams and teachers at Islamic schools and mosques. However, in reality, the majority Muslim population and its teachers at pondok pesantren are unable to demonstrate a good understanding of syariah banks and their products. The dominance of conventional banks over syariah banks has led to a lack of socialisation on the part of syariah banks, and a lack of knowledge of syariah banking products among the general population and especially among teachers in religious schools. Therefore, socialisation efforts should be made to increase the general public's familiarity with sharia-compliant banks.This study is an example of descriptive quantitative field research.This involves conducting research in the field by conducting interviews and surveys with students and teachers at MTI Canduang.Next, descriptive quantitative analysis will be used in the data collection process.This study's findings suggest that MTI Canduang teachers' knowledge of syariah-compliant banking products remains low due to insufficient outreach efforts on the part of syariah banks.
TINJAUAN PUSTAKA TENTANG PRINSIP TAUHID DAN KEADILAN DALAM HUKUM EKONOMI SYARIAH: LANDASAN TEORETIS DAN IMPLIKASINYA TERHADAP PRAKTIK EKONOMI MODERN Rulyjanto Podungge; Al-Amin
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 3 No. 4 (2025): JULI
Publisher : CV. ADIBA AISHA AMIRA

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This study aims to examine in depth the principles of tawhid and justice as theoretical foundations in Islamic economic law and their implications for modern economic practices. Through a literature review, it was found that the integration of tauhid and justice creates an economic paradigm that is not only oriented towards material well-being but also spiritual well-being. Tauhid emphasises that all economic activities must be based on an awareness of the oneness of Allah and moral responsibility, while justice demands equitable distribution of wealth, transparency, and protection of the rights of all parties. This study also identifies challenges in implementing Islamic economics in the modern era, such as low public literacy, regulatory limitations, and the dominance of conventional systems. However, there are also significant opportunities through education, technological innovation, and the strengthening of policies based on Islamic values. Thus, Islamic economics has the potential to address global economic inequality and moral crises through the integration of the principles of tauhid and justice into modern economic practices.
STUDI LITERATUR ANALISIS DALAM INVESTASI SAHAM DI INDONESIA Elly Yuniar Nitawati; Juliani Pudjowati; Nurul Iman
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 3 No. 4 (2025): JULI
Publisher : CV. ADIBA AISHA AMIRA

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Abstract

Investment is a strategy carried out by individuals and companies as a means of developing funds, including through capital market investment in stock trading. Stocks are a form of activity carried out by purchasing at a low price, then the stock owner determines the right time to sell at a high price, so that the capital owner will get a profit in a relatively short or fast time. Investment in stocks is very promising with large profits, but also has very high risks. Stock market investors must understand the strength of stock prices and be able to predict stock developments effectively to generate profits. Therefore, investors need to conduct proper analysis to optimise investment returns. This study aims to analyse the performance of stock investment strategies in the Indonesian capital market. The results indicate that stock investment strategies based on fundamental and technical analysis can enhance investment returns and reduce risks.
DINAMIKA PERTUMBUHAN UMKM DAN PERDAGANGAN INFORMAL DALAM MEMENUHI KEBUTUHAN LOKAL SERTA LINTAS BATAS: KENDALA AKSES MODAL DAN PASAR S Pentanurbowo; Al-Amin
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 3 No. 5 (2025)
Publisher : CV. ADIBA AISHA AMIRA

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This study discusses the dynamics of Micro, Small and Medium Enterprises (MSMEs) and informal trade in meeting local and cross-border needs, with a focus on barriers to capital and market access. MSMEs and the informal sector have proven to play an important role in supporting the national economy, particularly in providing employment and meeting the daily needs of the community. However, this significant contribution is still hampered by various structural challenges, including limited access to formal capital sources, low financial literacy, limited distribution, and difficulty penetrating modern and cross-border markets. The study uses a literature review method by analysing literature from various sources to summarise the growth patterns, main obstacles, and development opportunities of both sectors. The results of the study show that although MSMEs and informal trade have high adaptability, they need inclusive policy support, the use of digital technology, and network strengthening strategies to expand access to capital and markets. With these measures, MSMEs and informal trade have the potential to become more competitive, globally competitive, and able to contribute significantly to sustainable economic development.
ANALISIS BREAK EVEN POINT PADA MEBEL REZKY A. FAZA KHOIRUL WAFA; AHMAD TOMU
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 3 No. 5 (2025)
Publisher : CV. ADIBA AISHA AMIRA

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This study aims to determine how much sales in units and rupiah and how much tolerance for sales decline in Rezky Furniture Business. The data collection technique used in this study was interviews. The data analysis instrument used in this study was using the break event point and margin of safety calculation methods. The results of the study showed that Rezky Furniture Business would be at breakeven if it sold 28 units or Rp 24,116,549. For window leaf products, it would breakeven if it sold 67 units or Rp 30,294,323. For door frame products, it would breakeven if it sold 151 units or Rp 45,244,061. For window frame products, it would breakeven if it sold 107 units or Rp 31,995,138. Rezky Furniture Business can determine the tolerance for declining sales of furniture products must be above sales per break-even point, namely for door leaf products 88%, for window leaf products 76%, for door frame products 3%, and for window frame products 44%, from current production

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