cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Aslan
Contact Email
aslanalbanjary066@gmail.com
Phone
+6285245268806
Journal Mail Official
aslanalbanjary066@gmail.com
Editorial Address
Dusun Tanjung Mentawa, RT 003, RW 002, Desa Tanjung Mekar, Kab. Sambas, Provinsi Kalimantan Barat, 79411
Location
Kab. sambas,
Kalimantan barat
INDONESIA
BORJUIS (JURNAL OF ECONOMY)
Published by CV. Adiba Aisha Amira
ISSN : -     EISSN : 3030931X     DOI : Zenodo
Core Subject :
BORJUIS: JURNAL OF ECONOMY adalah jurnal yang menerbitkan hasil penelitian, baik kajian teori maupun lapangan, baik secara umum maupun secara khusus yang berkaitan dengan bidang ekonomi, bisnis, manajemen, akuntansi, perbankan dan bidang-bidang lainnya yang dianggap relevan dengan ruang lingkup dari bidang kajian tersebut.
Arjuna Subject : -
Articles 159 Documents
 12   13   14   15   16 
ANALISIS KINERJA KEUANGAN BANK BCA SYARIAH MENGGUNAKAN PENDEKATANISLAMICITY PERFORMANCE INDEX (PERIODE 2019-2023) Silvia Wisra Yulia; Tartila Devy
BORJUIS: JURNAL OF ECONOMY Vol. 3 No. 2 (2025): MEI
Publisher : Adisam Publisher

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

Abstract

This study aims to analyze the financial performance of BCA Syariah banks using the Islamicity Performance Index approach for the 2019-2023 period. So far, the measurement of Islamic bank performance has focused more on indicators similar to conventional banks that assess in terms of financial performance alone. So that a more comprehensive approach is needed such as the Islamicity Performance Index, to assess bank performance from the aspects of justice, halalness, and social welfare in accordance with sharia principles. This study uses quantitative methods with a descriptive approach. This study uses five indicators of Islamicity Performance Index, namely Profit Sharing Ratio, Zakat Performance Ratio, Equitable Distribution Ratio, Islamic Investment vs Non Islamic Investment and Islamic Income vs Non Islamic Income. The population in this study is BCA Syariah bank. Sampling using purposive sampling method at BCA Syariah bank which is available in the Annual Report 2019- 2023. Based on the results of data analysis and discussion, the results showed that the financial performance of BCA Syariah bank for the 2019-2023 period using the Islamicity Performance Index approach showed overall results obtained a score of 4 with a good predicate. Profit Sharing Ratio shows a score of 4 with a good predicate, Zakat Performance Ratio shows a score of 1 with a bad predicate, Equitable Distribution Ratio shows a score of 1 with a bad predicate, Islamic Investment vs Non Islamic Investment shows a score of 5 with a very good predicate, and Islamic Income vs Non Islamic Income shows a score of 5 with a very good predicate.
IMPLEMENTASI MANAJEMEN RISIKO DALAM MENGATASI PERMASALAHAN PEMBIAYAAN MURABAHAH DI BMT AL-HIJRAH BUKITTINGGI Ayu Ayu; Ariyun Anisah
BORJUIS: JURNAL OF ECONOMY Vol. 3 No. 2 (2025): MEI
Publisher : Adisam Publisher

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

Abstract

The problem studied in this study is about the implementation of risk management in dealing with problematic murabahah financing at BMT Al-Hijrah Bukittinggi. The purpose of this study is to analyze the implementation of risk management in overcoming problematic murabahah financing at the institution. This type of research is classified as Descriptive Qualitative Research. Descriptive Qualitative Research is recognized as one type of research within the qualitative research category, where events and phenomena from individual lives are studied, and one or a group of people are asked to share their life experiences. In this approach, data is collected through methods of observation, interviews, and documentation. Data analysis is conducted in three main phases: data reduction, data presentation, and drawing conclusions. The results of this study indicate that the implementation of risk management in Murabahah financing at BMT Al Hijrah Bukittinggi has been carried out effectively. This is evidenced by the determination of requirements when financing is submitted and the implementation of a structured risk management process. The first step taken involves risk identification, which is conducted by applying the 5C principle (Character, Capacity, Capital, Collateral, and Economic Condition) along with 3R (Rescheduling, Reconditioning, and Restructuring), adjusted to the conditions and characteristics, as well as Sharia rules that prohibit business activities contrary to the teachings of Allah and government regulations. The identification process is conducted through the examination of financing needs, direct observation in the field, and reference to applicable policies. Furthermore, risk measurement is performed by grouping the quality of financing, followed by risk monitoring through routine inspections. Risk control is implemented through various steps, such as intensive monitoring, the setting of financing limits, the avoidance of risky financing, debt collection, the sending of reminder letters, and the provision of advice to customers. Although this risk management is implemented well, the risk cannot be completely eliminated. Therefore, the importance of risk prevention efforts is strongly emphasized by BMT Al Hijrah through understanding, assessing, measuring, and managing risks according to their nature.
STRATEGI PEMASARAN DALAM MENINGKATKAN PEMBIAYAAN MITRA GUNA ONLINE DI BSI KCP LUBUK SIKAPING Muhammad Ridwan; Tartila Devy
BORJUIS: JURNAL OF ECONOMY Vol. 3 No. 2 (2025): MEI
Publisher : Adisam Publisher

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

Abstract

Mitraguna is a product of Bank Syariah Indonesia KCP Lubuk Sikaping, an online financing service. On the other hand, not everyone in Lubuk Sikaping is keen on utilizing the Mitraguna online loan service. The fact that very few clients actually use Mitraguna's online financing is the main issue with this research. Among other things, this is because some clients still have plenty of money in their pockets and don't require the loan. The result is that the Mitraguna online finance goal is not met by BSI KCP Lubuk Sikaping. Qualitative research methodologies were used in this study. Data collecting approaches by conducting observations, interviews and documentation. This study's findings reveal that Bank Syariah Indonesia KCP Lubuk Sikaping's marketing strategy for their Mitraguna online financing product follows the 9Ps of marketing: product, price, place, promotion, people, physical evidence, process, packaging, and public relations). Challenges include: 1) the community's lack of familiarity with Islamic banks and online partner funding, and 2) the necessity of going via Bank Syariah Indonesia's payroll system.
PENGARUH PENGGUNAAN DAN PEMANFAATAN TEKNOLOGI INFORMASI TERHADAP EFEKTIVITAS SISTEM INFORMASI AKUNTANSI PADAPT PEGADAIAN (PERSERO) KANTOR CABANG DENPASAR Ni Komang Pebi Arisanti; Gede Juliarsa
BORJUIS: JURNAL OF ECONOMY Vol. 3 No. 2 (2025): MEI
Publisher : Adisam Publisher

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

Abstract

The development of information technology has led to a shift in the use of manual information systems to computer-based information systems that allow various activities to be carried out more quickly, precisely, and accurately. The purpose of this study is to empirically prove the influence of the use and utilization of information technology on the eflectiveness of accounting information systems. This research was conducted at PT Pegadaian (Persero) Denpasar Branch Office. This study uses a quantitative approach with multiple linear regression analysis techniques. The population in this study was 74 people, with a nonprobability sampling method, namely by purposive sampling technique, so that a sample of 55 samples was obtained. The results of this study indicate that the influence of the use and utilization of information technology has a positive eflect on the eflectiveness of accounting information systems. The coefficient of determination (Adjusted R Square) obtained was 0.708, meaning that a percentage of 70.8% of the eflectiveness variable of the accounting information system can be explained by the variable of the influence of the use and utilization of information technology, while the remaining 29.2% is explained by other variables that were not studied. The implications of the results of this study are able to provide suggestions or input for pawnshops, especially PT Pegadaian (Persero) Denpasar Information Branch Office, in an eflort to improve the eflectiveness of the accounting system by paying attention to the use of information technology in carrying out its operational activities, and increasing the use of good information technology for the company.
PEMBERDAYAAN MASYARAKAT MELALUI WAKAF TERNAK AYAM BERDASARKAN ASPEK KELEMBAGAAN DAN MODAL SOSIAL PADA YAYASAN AL ISLAM KOTA PAYAKUMBUH Muhamad Fadhil; Ahmad Wira, Helmalia, Romy Yunika Putra
BORJUIS: JURNAL OF ECONOMY Vol. 3 No. 2 (2025): MEI
Publisher : Adisam Publisher

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

Abstract

Community empowerment is an effort carried out through a series of activities to strengthen the empowerment of a weak group in society to achieve a better life. Community empowerment is seen through the institutional aspects of waqf, social capital and productive waqf. The aim of this research is to obtain evidence of community empowerment through chicken livestock waqf based on institutional aspects of waqf and social capital at the Al Islam Foundation in Payakumbuh City. This research uses quantitative methods with the type of field research. Researchers used primary data through observations and questionnaries with total sampling techniques. This research used 35 samples for questionnaires which were analyzed using the SEM – PLS method. The results obtained in this research are that institutions do not have a significant influence on productive waqf, while social capital has a significant influence on productive waqf. Waqf institutions have a significant influence on community empowerment and social capital has a significant influence on community empowerment. The influence of waqf institutions on community empowerment through productive waqf for chicken farming does not have a significant effect. The influence of social capital on community empowerment through productive chicken farming endowments does not have a significant effect. The influence of productive waqf on community empowerment does not have a significant effect.
STRATEGI PEMASARAN DALAM MENINGKATKAN MINAT JAMAAH PADA ERA DIGITAL DI KOTA BUKITTINGGI(Studi Kasus Pada Layanan Haji dan Umrah PT Sutra Tour Hidayah dan Travel Umrah) Fani Amelia; Ariyun Anisah
BORJUIS: JURNAL OF ECONOMY Vol. 3 No. 2 (2025): MEI
Publisher : Adisam Publisher

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

Abstract

The purpose of this research is to address the suboptimal use of digital marketing as a promotional medium in the digital era. Additionally, PT Sutra Hidayah Tour and Umrah Travel in Bukittinggi lacks sufficient resources in the marketing department. The objective of this study is to analyze the marketing strategies implemented by PT Sutra Hidayah to enhance awareness among Umrah pilgrims. This research employs a descriptive qualitative method, including interviews, observations, and documentation, which are then evaluated using SWOT analysis. The purpose of this analysis is to recognize and determine marketing strategies and develop alternative strategies to increase public interest The survey found that PT Sutra Hidayah Tour has several advantages, including the implementation of well- structured SOPs, attractive Umrah packages, collaborations with communities, and promotions through social media. Opportunities that can be leveraged include technological advancements, marketing expansion, a strategic location, and a better understanding of the millennial generation. Additionally, there are risks, including intense competition and low public trust. The results of the SWOT matrix recommend prioritizing the SO (Strengths and Opportunities) strategy, which utilizes internal strengths while optimizing external opportunities.
STRATEGI PEMASARAN DAN DIGITALISASI PADA USAHA GROSIR LOKASI TIDAK STRATEGIS : WARUNG BUDE M. Royhan Safdan Muzaki Harahap; Vicky Febima Andrerico; Zainarti Zainarti
BORJUIS: JURNAL OF ECONOMY Vol. 3 No. 2 (2025): MEI
Publisher : Adisam Publisher

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

Abstract

Wholesale businesses play an important role in the distribution of goods, but not all wholesalers are in strategic locations. Some of them operate in hidden places such as alleys, which makes it difficult for consumers to access and reduces business visibility. This condition has an impact on decreasing the number of customers, limited market reach, and less than optimal business growth. In facing these challenges, the right marketing strategy and adoption of digitalization are potential solutions to increase competitiveness. Digitalization through social media, e-commerce platforms, and digital payments can help wholesale businesses reach a wider market, introduce products eflectively, and increase operational efficiency. Unfortunately, many wholesale business actors in non-strategic locations still rely on conventional methods and have not optimized digital potential. Therefore, research is needed to explore the right marketing and digitalization strategies for wholesale businesses in less strategic locations so that they can survive and thrive in this era of modern competition.
DISRUPSI EKOSISTEM OTOMOTIF JEPANG DI INDONESIA: ANALISIS STRATEGI SENTRALISASI DAN PENETAPAN HARGA AGRESIF BYDDALAM TRANSISI EV Ikhsan Maulana; M. Sigit Dwi A, Ovalia
BORJUIS: JURNAL OF ECONOMY Vol. 3 No. 2 (2025): MEI
Publisher : Adisam Publisher

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

Abstract

For decades, Indonesia's automotive industry has been dominated by a Japanese production ecosystem built upon long-term partnerships between Original Equipment Manufacturers (OEMs) and local suppliers. However, the recent entry of BYD—a Chinese electric vehicle (EV) manufacturer—has disrupted this well-established structure through its centralized supply chain strategy and aggressive pricing. This study aims to analyze the strategic impact of BYD’s business model on the Japanese automotive ecosystem in Indonesia, and to identify the key challenges within the broader context of the country’s EV transition.This research adopts a descriptive qualitative case study approach, utilizing semi-structured interviews with seven informants from Tier 1 and Tier 2 supplier companies serving Japanese OEMs. The data were analyzed using thematic analysis to identify recurring patterns in the experiences and perceptions of industry actors regarding the presence of BYD.Findings reveal that BYD’s centralized approach has weakened the involvement and bargaining power of local suppliers, creating structural tensions within the supply chain. Furthermore, despite offering competitive prices, BYD faces several long-term challenges in Indonesia, including inadequate charging infrastructure, safety concerns related to battery reliability, high total cost of ownership (TCO), and consumer skepticism about product quality. This study contributes to a deeper understanding of industrial disruption in developing countries and provides a foundation for developing adaptive strategies and inclusive industrial policies.
SOCIOECONOMIC DYNAMICS AND WILLINGNESS TO PAY FOR WATER SUBSCRIPTION DECISIONS IN PEKANBARU Isyak Pratama P.; Raras Herry K., Sarah Mulyani, Ovalia
BORJUIS: JURNAL OF ECONOMY Vol. 3 No. 2 (2025): MEI
Publisher : Adisam Publisher

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

Abstract

High quality drinking water is an essential need for public health and welfare. In Pekanbaru city, clean water supply efforts through the Pekanbaru-Kampar. Drinking Water Supply System (SPAM) which continues to be developed by local government to meet the needs of water suitable for consumption. However, public interest, particularly among potential customers, in SPAM services still varies. This research aims to analyze the socio-economic dynamics of the community and their relationship with willingness to pay (WTP) on the decision to subscribe to water services provided by the Drinking Water Company (PAM) Pekanbaru City. The background of this research is based on the low penetration rate of household clean water services despite the increasing need for access to potable water. Using a qualitative approach and case study method, data was collected through in-depth interviews, observations, and documentation of residents from various socioeconomic backgrounds in the Pekanbaru-Kampar SPAM service area. The results of the research indicate that factors such as household income, education level, perception of service quality, previous experience with water services, and social norms in the surrounding environment significantly influence the community's decision to subscribe. In addition, it was found that willingness to pay is not only influenced by financial capability but also by trust in the service provider institution and perceptions of the value of water as a public necessity. This research recommends community-based approaches and increased service transparency as strategies to enhance customer participation. This research is expected to contribute to the development of more inclusive and equitable clean water policies and promote sustainable development in the public service sector.

Page 16 of 16 | Total Record : 159

 12   13   14   15   16 

Filter by Year

2023 2025


Reset
Filter By Issues
All Issue Vol. 3 No. 2 (2025): MEI Vol. 3 No. 1 (2025): BORJUIS: JURNAL OF ECONOMY Vol. 2 No. 4 (2025): AGUSTUS Vol. 2 No. 3 (2025): BORJUIS: JOURNAL OF ECONOMY Vol. 2 No. 2 (2025): BORJUIS: JOURNAL OF ECONOMY Vol. 2 No. 1 (2024): BORJUIS: JOURNAL OF ECONOMY Vol. 1 No. 4 (2024): BORJUIS: JOURNAL OF ECONOMY Vol. 1 No. 3 (2024): BORJUIS: JOURNAL OF ECONOMY Vol. 1 No. 2 (2024): BORJUIS: JOURNAL OF ECONOMY Vol. 1 No. 1 (2023): BORJUIS: JOURNAL OF ECONOMY