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Assets Journal
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INDONESIA
Assets Journal
Published by Al-Qalam Institute
ISSN : 30217326     EISSN : 30217318     DOI : https://doi.org/10.61987/assets
Core Subject :
An electronic journal that focuses on scientific articles resulting from research or community service that examines problems and issues related to economics and business. This journal provides an academic platform for professionals and researchers to contribute to innovative work in the fields of economics and business follows: Economy and Management; 1) Development Economics 2) Islamic Economics 3) Accounting 4) Management Economics, and other fields. Business; 1) Marketing Economics 2) Digital Marketing and other business fields and aims to publish and disseminate writings in the economics and business sciences that can contribute to the development of science.
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Articles 30 Documents
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The Role Of Venture Capital Financing Institutions In Empowering Small Businesses Musthafa Syukur; Filma Eka Ayu Arisona; Amilia Mia Favouritha; Ayu Silaban
Assets Journal: Journal of Economic and Business Vol. 2 No. 2 (2024): Education Of Economic And Financing
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

Perusahaan modal ventura sebagai sarana pembiayaan memiliki peluang besar untuk mengembangkan usaha kecil, menengah maupun koperasi karena memiliki karakteristik yang tidak dimiliki perusahaan lain. Metode penelitian dalam jurnal ini menggunakan deskriptif kualitatif yang diambil dari beberapa jurnal. Hasil dari penelitian tersebut adalah bahwa Perusahaan Modal Ventura merupakan lembaga keuangan non bank yang memberikan bantuan kepada pengusaha kecil dan menengah, tidak hanya dalam bentuk pendanaan tetapi juga bantuan manajemen. Salah satu upaya lain yang dikembangkan pemerintah dalam rangka mendorong pengembangan UMKM adalah penerbitan peraturan pendirian lembaga pembiayaan non-bank, yaitu perusahaan modal ventura (PMV).
Use of Flexible Budgeting to Face Economic Uncertainty and a Changing Business Environment Saifuddin; Ismatul Maula; Naila Farodysa; Syifa'ul Khairiyatil Ummah; Umami Hapsahwati
Assets Journal: Journal of Economic and Business Vol. 2 No. 2 (2024): Education Of Economic And Financing
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

Flexible fencing is an approach in financial planning and financial management designed to deal with economic competition and changing business environments. In a fast-changing and unstable business environment, traditional budgeting methods may be less effective because they tend to be rigid and difficult to adapt to unexpected changes. There are two ways to look at flexible budgets: through a corporate finance standpoint and a personal finance standpoint. From a company's financial point of view, a flexible budget is a budget plan that adjusts to changes in costs, volumes, and revenues. Simply put, how a company calculates how much budget it has, estimates how much it needs, and how many targets it wants to achieve. Meanwhile, from the point of view of personal finance, flexible budgeting is a method of financial budget planning that is prepared based on financial conditions, income, and expenses. Then adjust it according to changes in spending habits that occurred in the previous year. Usually personal budgets are adjusted in monthly periods when usually all kinds of billing cycles occur.
THE ROLE OF HEALTH INSURANCE IN RETIREMENT SERVICES : ADDRESSING HEALTH RISKS AND CARE COSTS Elmi Faizatul Waqi'ah
Assets Journal: Journal of Economic and Business Vol. 2 No. 1 (2024): Financial Planning Analysis
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

This journal proposes an interdisciplinary approach that aims to address health risks and reduce medical costs by considering public health, health economics, health policy, and medical technology innovation. This research identifies strategies that can improve public health and manage the increasing burden of care costs, with a focus on holistic and sustainable solutions. The literature review presents public health risks, notes the impact of care costs on the health system, and highlights the importance of an interdisciplinary approach in achieving sustainable health goals. The author outlines key strategies for addressing health risks, such as disease prevention, chronic disease management, and the role of medical technology in meeting these challenges, with appropriate methodologies. The case studies provide examples of successful implementation of public health programs to address health risks and reduce treatment costs, including the implementation of new medical and effective health policies. Through analysis and discussion, this study provides insight into the main findings and implications of the proposed interdisciplinary approach. In conclusion, an interdisciplinary approach can become a solid foundation for addressing health risks and reducing treatment costs. Holistic solutions offered through the integration of various disciplines can become a reference for making meaningful health decisions for the future. This study provides recommendations for next steps in achieving optimal public health and higher cost-efficiency of care.
MONEY MARKET AND CAPITAL MARKET RECENT DEVELOPMENTS: INVESTMENT OPPORTUNITIES IN THE DIGITAL ERA SITI NUR KHOFIFAH
Assets Journal: Journal of Economic and Business Vol. 2 No. 1 (2024): Financial Planning Analysis
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

The money market and capital market are two vital components in the global economy which continues to experience rapid development. In this increasingly advanced digital era, technological changes and financial adaptation have created new attractive investment opportunities. In financial markets, recent technologies such as blockchain and smart contracts have changed the way financial transactions are carried out. Improved security and efficiency in payment systems and money transfers have attracted the attention of investors and business people. In addition, technological developments in digital payments, e-wallets and cryptocurrencies have presented new attractive investment opportunities, even though they are still exposed to the risk of high price volatility. The digital era has also opened the door for potential in the startup sector and technology companies. Venture capital and direct investment in innovative technology companies have become a prima donna for investors seeking long-term benefits from changing trends and consumer habits that rely more heavily on technology. However, amid all the opportunities offered by the digital era, there are challenges and risks that need to be considered. Data security and protection is an urgent issue because technological advances also bring more serious potential cyberthreats. In addition, high market volatility, especially in crypto assets, increases investment risk for investors.
FINANCIAL PLANNING ANALYSIS IN MAINTAINING MSME BUSINESS CONTINUITY wiwik wahyuningsih
Assets Journal: Journal of Economic and Business Vol. 2 No. 1 (2024): Financial Planning Analysis
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

When running a business, financial management is important for all MSME actors to implement. Finance is an important point in maintaining the viability of a business. The purpose of this study is to analyze financial management practices by SMEs. During a pandemic, management is an important matter for business actors to pay attention to. This type of research is descriptive qualitative. The data source obtained is obtained from the results of interviews and observations. The interviewees were selected using the snowball sampling technique taken from several SMEs. The analysis tool is thematic analysis. With indicators of financial planning, implementation and financial reporting, and financial control. The results of the study show that MSME actors have implemented financial planning, but implementation and control have not been implemented properly. This is due to the lack of human resource capabilities, time constraints and low level of awareness of the importance of business financial management.
ECONOMIC EMPOWERMENT STRATEGY OF THE YOUNGER GENERATION THROUGH DIVERSIFICATION OF MULTIPLE BUSINESS BUSINESSES IN INCREASING ECONOMIC GROWTH IN UTAMA RAYA BEACH, SITUBONDO Moh. Idil Ghufron; Ismi Lailiyatil Wardah; Maudy Sulis Setya Ningsih
Assets Journal: Journal of Economic and Business Vol. 2 No. 1 (2024): Financial Planning Analysis
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

This research discusses economic empowerment strategies for the younger generation in Situbondo district. In this contemporary era, the problems faced by the younger generation, especially in Situbondo regency in finding work, have become an increasingly deep and troubling issue. This is related to the lack of skills possessed by the younger generation who incidentally are in the Pantura area and consider that the profession as a fisherman is not in accordance with the lifestyle of the younger generation today. This factor causes the younger generation to face difficulties in finding jobs that suit their wishes. Another factor that contributes to this problem is the lack of employment because it is included in the Pantura Area. Utama Raya Beach stands with business diversification, including gas stations, rest areas to lodging utilizing sea destinations on the north side of its business place. The purpose of this study is to explain the strategy of empowering the younger generation in improving the economy in Situbondo district and knowing the new business model through multiple business differentiation.The research methods used include surveys, interviews, and secondary data analysis to get a comprehensive picture of millennials' economic empowerment and the challenges they face. The results of this study show that the multiple business-based business diversification strategy has succeeded in attracting the interest of the younger generation because the business offer from the management has succeeded in attracting the interest of the younger generation in Situbondo
Education Financing Model: Analysis of Effectiveness and Cost Efficiency of Education Misbahol Jannah; Shafa MF
Assets Journal: Journal of Economic and Business Vol. 2 No. 2 (2024): Education Of Economic And Financing
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

Efisiensi dan efektivitas biaya pendidikan menjadi fokus utama dalam upaya meningkatkan aksesibilitas dan kualitas pendidikan di berbagai negara. Penelitian ini bertujuan untuk menyelidiki hubungan antara efisiensi dan efektivitas biaya pendidikan dalam konteks pencapaian tujuan pembelajaran. Melalui pendekatan analisis literatur, studi ini mengeksplorasi model serta factor yang mempengaruhi efisiensi dan efektivitas biaya pendidikan, termasuk alokasi anggaran, strategi pengelolaan keuangan, dan kualitas penggunaan sumber daya. Hasil penelitian menunjukkan bahwa pendekatan yang terintegrasi antara efisiensi operasional dan efektivitas program dapat mengoptimalkan manfaat pendidikan dengan biaya yang terjangkau. Temuan ini memberikan wawasan penting bagi kebijakan pendidikan untuk meningkatkan pengelolaan sumber daya, memperkuat praktik pembelajaran yang efektif, dan menciptakan sistem pendidikan yang inklusif dan berkelanjutan.
THE ROLE AND FUNCTION OF THE STATE IN ADVANCING ISLAMIC ECONOMIC SYSTEM: A GLOBAL PERSPECTIVE Moh. Fakhri Siddiqi; Sitti Aisyah; Silvia Nurul Rahma
Assets Journal: Journal of Economic and Business Vol. 3 No. 1 (2025): Economic and Menegement
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

The state has a significant responsibility in creating prosperity and welfare for its people in accordance with sharia principles. This concept has been discussed by prominent thinkers such as Al-Ghazali and Al-Mawardi, who emphasized the importance of market supervision, fairness in resource distribution, and economic stability. This paper outlines the role of the state in managing economic factors such as allocation, distribution, and stabilization, as well as the state's essential role in addressing market failures and negative externalities. Furthermore, the discussion includes the relevance of Ibn Taimiyyah's thoughts to the modern economic system in Indonesia, including monetary policy strategies, infrastructure development, and equitable resource management. In conclusion, the role of the state is crucial in fostering public welfare and achieving the primary objectives of Islamic economics, namely falah and maslahah for all members of society
THE ROLE OF BAITUL MAL IN PUBLIC FINANCIAL MANAGEMENT: A HISTORICAL AND CONTEMPORARY PERSPECTIVE Nur Diana Cholida; Maulida Ghina Faizah
Assets Journal: Journal of Economic and Business Vol. 3 No. 1 (2025): Economic and Menegement
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

Baitul Mal functions as a separate entity from the state but maintains a close relationship with the government in managing economic and social resources for the welfare of the community. In its early days, Baitul Mal managed funds from sources such as zakat, kharaj, jizyah, and waqf, which were utilized to support economic development, social welfare, and state stability. The institutionalization of Baitul Mal began during the caliphate of Umar ibn Khattab, who transformed the management of funds from a direct distribution system to a more organized system.
A STATE OWNERSHIP STRATEGY IN INCREASING STATE REVENUE: CASE STUDY AND POLICY ANALYSIS Shinta Nuriyah Dwi Astutik; Hawiwin Fitriah
Assets Journal: Journal of Economic and Business Vol. 3 No. 1 (2025): Economic and Menegement
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

Fiscal policy in Islamic economics includes various instruments that not only aim to regulate state revenues and expenditures, but also to ensure justice and the economic welfare of society. One of the instruments of fiscal policy in Islam is ghanimah and fa'i , which have an important role in creating a just and sustainable economic structure. This paper aims to examine ghanimah and fa'i as instruments of fiscal policy in Islamic economics, by discussing the three main functions of fiscal policy, namely allocation, distribution, and stabilization. This discussion is conducted through the perspective of the fuqaha, to understand how the implementation of this instrument can play a role in managing state finances. In addition, this paper also raises several issues related to state ownership as state revenue, such as sources of state ownership, how to manage state assets, management of assets that do not have heirs, and assets belonging to apostates. The results of this study are expected to provide a deeper understanding of the management and implementation of fiscal policy in Islamic economics and its impact on the welfare of the people.

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