Journal of Islamic Economics and Finance
Journal Title : Journal of Islamic Economics and Finance Initials : JUREKSI Frequency : Februari, Mei, Agustus dan November Print ISSN : 3021-7458 Online ISSN : 3021-744X Editor in Chief : Aufa Rizka Azzumi, S.E.,M.A. DOI :10.59841 Publisher : STIKes Ibnu Sina Ajibarang JUREKSI (Journal of Islamic Economics and Finance) merupakan platform publikasi jurnal yang diterbitkan oleh Pusat Riset dan Inovasi Nasional, STIKes Ibnu Sina Ajibarang. Jurnal ini berfokus pada penerbitan artikel berkualitas tinggi yang didedikasikan untuk semua aspek penelitian, masalah, dan perkembangan terbaru di bidang Ilmu Manajemen dan Ekonomi Syariah. Jurnal ini berkaitan dengan aspek apapun dari manajemen, namun tidak terbatas pada topik berikut : berbagai perspektif ekonomi Islam, keuangan publik Islam, keuangan Islam, akuntansi Islam, etika bisnis Islam, perbankan Islam, asuransi Islam, pemikiran ekonomi Islam, manajemen sumber daya manusia Islam, keuangan mikro Islam, ekonomi pembangunan Islam, Ekonomi moneter Islam, ekonomi fiskal Islam, pasar modal Islam, dan tema lain yang relevan. Jurnal ini terbit 1 tahun 4 kali (Februari, Mei, Agustus dan November) Indexed by : Journal Sponsors and Partners :
Inovasi Badan Usaha Milik Desa (BUMDes) Teluk Bakau Kabupaten Bintan dalam Meningkatkan Ekonomi Masyarakat Desa Tahun 2023
Pada masa kepengurusan sebelumnya, BUMDes Teluk Bakau belum berjalan secara maksimal, sehingga belum dapat memberikan sumbangan terhadap PADes. Oleh karena itu, penelitian ini bertujuan untuk mengkaji bentuk inovasi yang diterapkan oleh BUMDes Teluk Bakau dalam upaya meningkatkan perekonomian masyarakat desa pada tahun 2023. Penelitian ini mengacu pada teori inovasi yang dikemukakan oleh Geoff Mulgan dan David Albury (2003), serta menggunakan menggunakan pendekatan deskriptif kualitatif. Informan penelitian ini mencakup unsur Pemerintah Desa, Direktur BUMDes “Bina Sejahtera”, BPD, Tokoh Masyarakat, serta pihak ketiga (kemitraan) yang diperlukan untuk mendapatkan informasi terkait BUMDes dalam meningkatkan ekonomi masyarakat desa. Hasil penelitian ini menunjukkan bahwa (1) Inovasi produk, yang dijalankan oleh BUMDes berhasil menciptakan dan mengembangkan produk baru yang memanfaatkan potensi lokal, menciptakan peluang kerja dan membantu meningkatkan pendapatan masyarakat desa. (2) Inovasi proses, Pemerintah Desa memberikan dukungan berupa pelatihan kepada pengurus BUMDes untuk memperkuat kemampuan dalam mengelola unit usaha, menerapkan surat perjanjian yang sebelumnya tidak ada. (3) Inovasi metode pelayanan, pada inovasi ini BUMDes hanya melakukan optimalisasi terkait komunikasi antara BUMDes dengan masyarakat. (4) Inovasi strategi kebijakan, sejauh ini BUMDes tidak ada inovasi baru terkait strategi kebijakan, hanya menekankan keterbukaan dan keterlibatan masyarakat melalui pelaksanaan rapat monitorng dan evaluasi setiap tiga bulan sekali, pendekatan ini berperan penting dalam membangun kepercayaan masyarakat. (5) Inovasi sistem, BUMDes mampu membangun kemitraan dengan berbagai pihak eksternal. Inovasi ini merupakan inovasi baru. Kemitraan ini mencerminkan kapasitas BUMDes dalam memperluas jaringan kerja, meningkatkan pendapatan unit usaha, serta membuka peluang ekonomi terhadap kesejahteraan masyarakat.
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Membedah Perbedaan Antara Ekonomi Syariah dan Ekonomi Konvensional
This study uses a qualitative method and aims to dissect the differences between Islamic economics and conventional economics. This study found that Islamic economics is based on Islamic principles reflected in the Qur’an and Hadith, emphasizing social justice, balance, and avoiding elements of usury, gharar, and maysir in every economic activity. Meanwhile, conventional economics is based on the principles of a market economy that aims to maximize material profits without considering spiritual or moral aspects. The source of conventional economic law comes from rules made by humans, while Islamic economics refers to the law of Allah. The Islamic financial system uses profit- sharing mechanisms and halal investments, while the conventional system relies on interest as the main source of income. In addition, Islamic economics integrates social instruments such as zakat, infaq, and sedekah for wealth redistribution, while conventional economics emphasizes taxes and government policies. Thus, this study confirms that the fundamental differences between the two systems lie in their philosophical foundations, objectives, and operational mechanisms.
Analisis Ekonomi Publik Menurut Perspektif Islam
In many developing countries today, the capitalist economic system still dominates. Not infrequently, this system causes various problems when applied in the governance of a country's economy. These problems generally arise because policies, regulations, and public financial management have not been directed at the principles of Islamic economics (sharia). In fact, the public economic system based on sharia provides guarantees for the fulfillment of state needs (income) and people's needs (expenditure). In addition, the rampant practice of misappropriation such as fraud and corruption has also caused the loss of public trust in public economic management. This condition contributes to the economic crisis and exacerbates the suffering of the people. Therefore, to solve these problems, the government needs to adopt a public economic concept based on Islamic values, because this system has been proven to be able to encourage justice and improve social welfare. This study uses a qualitative method with a literature study approach. The findings in the study indicate that there are various sources of income in the Islamic economy that can be utilized as public finances, such as Ghanimah, Fa'i, Jizyah, Kharaj, Waqf, Nawaib, Zakat, Infak, Sedekah, and 'Usr. Meanwhile, state expenditure is allocated to fulfill basic community needs, state defense and administration, education, social security, and development of infrastructure and public facilities. Keywords: Capitalism, Economic system, Public sector In many developing countries today, the capitalist economic system still dominates. Not infrequently, this system causes various problems when applied in the governance of a country's economy. These problems generally arise because policies, regulations, and public financial management have not been directed at the principles of Islamic economics (sharia). In fact, the public economic system based on sharia provides guarantees for the fulfillment of state needs (income) and people's needs (expenditure). In addition, the rampant practice of misappropriation such as fraud and corruption has also caused the loss of public trust in public economic management. This condition contributes to the economic crisis and exacerbates the suffering of the people. Therefore, to solve these problems, the government needs to adopt a public economic concept based on Islamic values, because this system has been proven to be able to encourage justice and improve social welfare. This study uses a qualitative method with a literature study approach. The findings in the study indicate that there are various sources of income in the Islamic economy that can be utilized as public finances, such as Ghanimah, Fa'i, Jizyah, Kharaj, Waqf, Nawaib, Zakat, Infak, Sedekah, and 'Usr. Meanwhile, state expenditure is allocated to fulfill basic community needs, state defense and administration, education, social security, and development of infrastructure and public facilities.
Peran Kebijakan Fiskal dan Moneter Islam dalam Mewujudkan Keadilan
The continuing economic inequality in Indonesia reflects the need for alternative approaches in macroeconomic policy. This study aims to analyze the integrative role of Islamic fiscal and monetary policies in realizing sustainable economic justice. The method used is a literature study of various relevant national and international scientific journals. The results show that Islamic fiscal policy through zakat and waqf instruments plays a role in wealth redistribution, while usury-free and real sector-oriented Islamic monetary policy maintains economic stability in an ethical manner. Compared to conventional economic systems, the Islamic approach offers a balance between spiritual values and economic effectiveness. The findings also show the importance of institutional synergy, public literacy, and integrated regulation to optimize the integration of the two policies. The implications of this research provide theoretical contributions for the development of Islamic economic models and offer strategic recommendations for the formulation of more equitable and inclusive public policies.
Perekenomian pada Masa Khulafaur Rasyidin
This research discusses the economic policies implemented during the leadership of the Khulafaur Rashidin and their impact on the welfare and stability of the Muslim community. Through a descriptive qualitative method with a literature study approach, this research analyzes key policies such as the establishment of Baitul Mal, zakat and tax management, infrastructure development, as well as administrative reforms and wealth distribution by the caliphs. The results show that these policies played an important role in creating a fair distribution of wealth, improving people's welfare, and maintaining economic and social stability. The Islamic economic principles applied, such as social justice, transparency, prohibition of usury, and market supervision, have proven to be relevant and can be an inspiration in facing modern economic challenges.
Pengaruh Faktor Sosial-Ekonomi dan Religiusitas Keluarga Muslim terhadap Keputusan Kepemilikan Saham di Indonesia
The participation of Muslim families in Indonesia’s capital market remains relatively low despite increasing access to financial instruments. This low level of stock ownership highlights the need to analyze the influencing factors. This study aims to examine the effect of socio-economic factors and religiosity on stock ownership decisions among Muslim families in Indonesia. The data used are panel data from the Indonesian Family Life Survey (IFLS) for the years 2007 and 2014, consisting of 32,074 observations from 16,037 household heads. The independent variables include gender, age, household size, income, education level, marital status, social expenditures, area of residence, employment status, and religiosity. The analysis was conducted using probit regression, supported by likelihood ratio tests, goodness-of-fit measures, and marginal effects analysis. The results show that most socio-economic and religiosity variables significantly influence stock ownership decisions. These findings indicate that the investment behavior of Muslim families is shaped by a combination of structural characteristics and religious values. The implications of this study may serve as a foundation for developing contextual and inclusive financial literacy policies.
Pengaruh Religiusitas, Literasi Zakat, dan Kepercayaan (Trust) terhadap Minat Muslim Generasi Z dalam Membayar Zakat Digital
In the digital era, paying zakat has become more convenient through digital platforms such as BAZNAS, Gopay, and OVO. However, this convenience also comes with risks, such as the leakage of personal data, which can affect Generation Z’s interest in paying zakat digitally. Furthermore, zakat literacy in Indonesia remains relatively low. This study aims to analyze the influence of religiosity, zakat literacy, and trust on the interest of Muslim Generation Z in paying digital zakat. A quantitative approach was used with data analysis conducted through Structural Equation Modeling (SEM) using the Partial Least Square (PLS) method via SmartPLS 4.0 software. The results show that religiosity and trust have a significant effect on the intention to pay digital zakat, while zakat literacy does not have a significant impact. These findings imply that zakat institutions should focus on strategies that strengthen trust and religiosity to increase Generation Z’s participation in digital zakat payment.
Faktor-Faktor yang Memengaruhi Niat Berwirausaha Mahasiswa Muslim dalam Perspektif Islam
Young generation dominated the unemployment rate in Indonesia, highlighting the need to increase the number of entrepreneurs to create new job opportunities. However, the number of entrepreneurs, particularly Muslim entrepreneurs, remained relatively low. To encourage individuals to do entrepreneurship in the future, a strong entrepreneurial intention is required. Thus, this study aims to analyze the factors that influence the entrepreneurial intention of Muslim students from internal and external aspects and from an Islamic perspective. These factors included self-efficacy, family support, peer support, and institutional support with knowledge of entrepreneurial skills, risk-taking ability, and innovative behavior as mediators. This research was conducted on 215 Muslim students at Padjadjaran University using a questionnaire and analyzed using SmartPLS. The results showed that self-efficacy, family support, peer support, and institutional support have a positive and significant effect on entrepreneurial intention through mediating variables. Additionally, innovative behavior has a positive and significant effect as a mediator in the research model. These findings provide insights for academics and practitioners to support entrepreneurship development, especially among Muslim students.
Gaya Hidup Konsumtif Generasi Z dan Kaitannya dengan Inflasi dalam Perspektif Ekonomi Syariah
This study aims to provide an overview of the consumption patterns of Generation Z and how they relate to inflation from an Islamic economics perspective. A library research strategy is used in this investigation. Information was gathered from a number of sources, such as books, journals, and other problem-related scientific resources. The results indicate that Gen Z's consumption habits could lead to demand-pull inflation, or an increase in inflation. Prices rise when the supply cannot keep up with the substantial increase in demand for products and services brought on by consumer behavior. When Gen Z consumes technology, fashion, entertainment, and food items all of which are frequently popular and seasonal this issue becomes more noticeable. Consumption is controlled in Islamic economics to avoid becoming wasteful (tabzir) or excessive (israf). Needs (maslahah), not only wants or carnal emotions, must be the basis for consumption. The primary remedy, according to Islamic economics, is to emphasize beneficial consumption, Islamic-based money management, and bolstering social and spiritual values in order to curb consumption and prevent detrimental effects on people or the economy.
Pengaruh Maqashid Syariah terhadap Kebahagiaan Muslimah di Indonesia
This study aims to analyze the effect of maqashid sharia on Muslim women's happiness in Indonesia, using data from the Indonesian Family Life Survey (IFLS) 5th wave 2014. Maqashid sharia, as a core concept in Islamic law, focuses on the maintenance of five main aspects, namely religion (ad-din), soul (an-nafs), intellect (al-aql), offspring (an-nasl), and property (al-mal). This study examines whether the implementation of maqashid sharia principles coupled with region of residence as a control variable has a significant impact on the subjective happiness of Muslim women in Indonesia. Using logit regression method and STATA software, this study found that the maintenance of health (soul), education (mind), and income (wealth) has a significant positive effect on Muslimah's happiness, heredity (lineage) shows an insignificant negative effect, religiosity (religion) shows a positive and significant relationship, while the region of residence has an insignificant negative relationship with the level of happiness of Muslimah in Indonesia. These results indicate that the subjective happiness of Indonesian Muslim women is more influenced by material dimensions than philosophical or spiritual matters. This research is expected to contribute to the formulation of public policies that support the social welfare of Muslimahs based on maqashid sharia.
International Business Finance : Multinational Corporation
This study examines the role of multinational corporations (MNCs) in the context of international business finance, focusing on the reasons for overseas expansion and the globalization of financial products and markets. The discussion includes strategic, operational, and financial motivations that drive companies to expand internationally. In addition, this study analyzes the impact of global financial market integration on MNCs' cross-border activities. The study concludes that global expansion and market globalization provide MNCs with opportunities to increase efficiency, reach new markets, and manage risk more optimally in an interconnected economy.
Pengaruh Pembiayaan Syariah terhadap Pertumbuhan UMKM di Indonesia
This research intends to assess the influence of sharia reform on the development of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, focusing on key sectors that underpin the national economy. This article employs quantitative methods and secondary data acquired via digital literature research to offer the most recent findings from many sources, including OJK publications, Bank Indonesia, and certified scientific journals. The study's results demonstrate that sharia-compliant principles, including mudharabah, musyarakah, and murabahah, substantially enhance the development, prosperity, and strength of MSMEs. Mudharabah, musyarakah, or murabahah substantially enhance the development, prosperity, and strength of MSMEs. This research provides significant insights for the advancement of equitable and sustainable finance within the Indonesian Islamic economic framework.
Revitalisasi Sistem Ekonomi Syariah terhadap Perkembangan Ekonomi Syariah
The Islamic economic system discusses the various challenges faced by Indonesia in developing this sector, the potential of the nation, and the achievements that have been achieved to date. The writing of this scientific paper aims to identify the main challenges in the development of the Islamic economy in Indonesia, explore strategic potentials that can be utilized, and examine the extent to which the development of the Islamic economy has taken place in the country. The data sources used come from literature such as relevant books, as well as additional information from online searches to enrich insights. The method used is a qualitative descriptive approach, which describes the situation systematically based on available data. The results of the analysis show that despite a number of obstacles, such as limited human resources, low Islamic financial literacy, and infrastructure challenges, the implementation of the Islamic economic system still has strong prospects. This is supported by the great potential that Indonesia has, including a very large Muslim population, government support, and increasing public interest in sharia-based products and services.
Potensi Industri Mebel Berbasis Pemberdayaan Tenaga Kerja Lokal di Kelurahan Bukir, Kota Pasuruan: Analisis Kontribusi Ekonomi dan Penyerapan Tenaga Kerja
The furniture industry in Bukir Village, Pasuruan City, is one of the leading small and medium-sized industries (SMIs) that contributes significantly to local economic growth and employment. This study aims to analyze the potential of the furniture industry based on the empowerment of local workers, identify its contribution to the regional economy, and evaluate the level of employment in this sector. The research method employs a qualitative approach with data collection techniques through literature review and structured interviews. The results show that the furniture industry in Bukir Village has grown rapidly since 1980 with the support of the East Java Provincial Technical Implementation Unit (UPT) for Wood. Currently, there are 40 active businesses that can absorb 800-1,200 local workers, equivalent to 85% of the total workforce in the village. This industry uses a made-to-order production system with teak and sonokeling wood as raw materials and has expanded into the export market to Malaysia and other Southeast Asian countries. This study recommends strengthening marketing digitalization, improving human resource skills, and intensifying government support to enhance the competitiveness of the Bukir furniture industry.
Pengaruh Literasi Keuangan dan Layanan Fintech terhadap Perilaku Manajemen Keuangan Mahasiswa Pendidikan Ekonomi di Universitas PGRI Wiranegara
This study aims to analyze how financial literacy and the frequency of use of financial technology (fintech) services affect the financial management patterns of students in the Economics Education Study Program at Universitas PGRI Wiranegara. The digitalization era has changed the way students manage their finances, which now combine traditional financial understanding with the implementation of digital technology innovations. This research uses a quantitative method with an explanatory approach, involving respondents selected through random stratification to ensure balanced representation. Data collection uses a Likert scale questionnaire instrument, while data analysis applies a multiple linear regression model. Empirical results prove that financial literacy and fintech utilization both have a significant and positive impact on students' financial management patterns. Together, these two factors can explain most of the variation in respondents' financial behavior. These findings emphasize the importance of integrating fundamental financial knowledge with the ability to adapt to digital technology as a foundation for forming effective financial management competencies in the modern era. In terms of implementation, the results of this study suggest strengthening the economics education curriculum that includes learning digital financial literacy and the use of fintech services that are wise and ethical.
Dampak Pemberdayaan Perempuan terhadap Angka Kekerasan dalam Rumah Tangga (KDRT) di Provinsi Maluku Utara
The government's efforts to reduce domestic violence (KDRT) in North Maluku Province have been carried out, among others, through the implementation of women’s empowerment programs. This study aims to examine whether the Gender Empowerment Index (IDG), Gross Regional Domestic Product (GRDP) percapita, women's involvement in home-based industries (IR), and the intensity of domestic violence socialization programs have a significant effect on domestic violence rates across districts/cities in North Maluku. This research utilizes panel data regression analysis with data spanning the years 2016–2024. The data were processed using Microsoft Excel and STATA14 software. The findings indicate that the increased participation of women in the economic and political sectors has not yet fully translated into a reduction in domestic violence, largely due to persistent social norms and patriarchal values within households. This suggests that economic factors alone are not sufficient to explain the prevalence of domestic violence. However, women's involvement in home-based industries was found to significantly improve their economic independence and bargaining power within the household. Furthermore, consistent government-led domestic violence awareness campaigns have proven effective in enhancing protection mechanisms for women at risk. In conclusion, the study finds that the Gender Empowerment Index (IDG) and GRDP per capita do not have a statistically significant impact on domestic violence rates. Conversely, women's participation in home-based industries and domestic violence socialization efforts are significantly associated with reductions in domestic violence in North Maluku Province.
Pengaruh Tren Pencarian Google terhadap Preferensi Konsumen Asuransi Syariah dan Konvensional di Indonesia
The insurance penetration rate in Indonesia remains relatively low, despite the important roles of both conventional and sharia insurance in mitigating unexpected financial risks. As a Muslim-majority country, consumer preferences for insurance models aligned with personal values represent a crucial concern, yet are still rarely explored using actual behavioral data. This study aims to examine the influence of Google search trends on consumer preferences in choosing between sharia and conventional insurance in Indonesia. The research applies binary logistic regression using a combination of primary data (questionnaire) and secondary data (Google Trends). Respondents were purposively selected based on stable economic status and prior experience in searching for insurance information. The results reveal that search trends significantly influence preferences for sharia insurance, but not for conventional insurance. Furthermore, religiosity and its interaction with search trends also significantly affect preferences for both insurance models. These findings contribute to big data-based consumer research and offer strategic implications for academics, industry stakeholders, and regulators in enhancing insurance literacy and participation in Indonesia..
Pengaruh Disiplin Kerja dan Insentif terhadap Kinerja Karyawan pada PT Sun Star Prima Motor Dealer Mitsubishi Siliwangi
This study aims to determine the influence of work discipline and incentives on employee performance at PT Sun Star Prima Motor Dealer Mitsubishi Siliwangi. The background of this research is based on the importance of internal factors such as discipline and incentivization in encouraging increased work productivity in the automotive sector, especially in the motor vehicle dealer environment. The research method used was quantitative with an associative approach, where data was collected through questionnaires distributed to 53 respondents who were permanent employees in the operational and administrative departments. The data analysis technique uses multiple linear regression to test the extent to which the variables of work discipline (X₁) and incentives (X₂) affect employee performance (Y). The results of the study show that work discipline has a significant positive effect on employee performance and the incentives provided, proven to have a significant and positive influence on performance improvement. Simultaneously, the two independent variables made a significant contribution to improving employee performance with a calculated f-value of 33.695 which means > f the table or 33.695 > 3.187 and a significance value of 0.000 which is smaller than 0.05 or 0.000 < 0.05. The conclusion of this study is that managerial efforts in improving work discipline and providing appropriate incentives can be an effective strategy in encouraging employee performance in the automotive dealer sector.
Peran Penganggaran dalam Proses Pengambilan Keputusan di Tingkat Manajerial
Budgeting plays a crucial role in organizational planning and control processes. This study aims to examine the strategic function of budgeting in managerial decision-making. Using a qualitative descriptive approach and literature review methodology, the study reveals that budgeting acts as a guide for resource allocation, performance evaluation, and uncertainty reduction in decision-making. Moreover, budgeting enhances interdepartmental coordination and managerial accountability. The findings confirm that budgeting is not merely an administrative procedure but a strategic instrument that supports the achievement of organizational goals.
Pengaruh Mental Health dan Work Life Balance terhadap Turnover Intention Karyawan Gen Z di Kota Medan
This study aims to analyze the influence of mental health and work-life balance on turnover intentions of Generation Z employees in Medan City. The method used in this study is quantitative involving 65 respondents as samples. The data were analyzed using multiple linear regression with SPSS version 26. The results of the validity and reliability tests indicate that the research instrument is valid and reliable. The classical assumption test has been met, including normality, multicollinearity, and heteroscedasticity. Regression analysis shows that mental health and work-life balance have a positive and significant influence, both partially and simultaneously, on turnover intentions. The Adjusted R Square value of 0.604 indicates that the two variables can explain 60.4% of the variation in turnover intentions.
Inovasi Produk Akad Rahn dalam Pengembangan Gadai Emas Perbankan Syariah
This study aims to examine the innovation of rahn contract products in the development of gold pawn services in Islamic banking in Indonesia. Akad rahn is a sharia-based short-term financing instrument that provides liquidity solutions for the community without involving elements of riba, gharar, and maisir. As the need for fast, secure, and sharia-compliant financial services increases, innovation in rahn products is of strategic urgency. This research uses a qualitative descriptive approach with a literature study of literature, reports of Islamic financial institutions, and related regulations. The results of the study show that rahn product innovation is carried out through three main aspects: (1) the development of the form of contract, such as the combination of rahn with ijarah or mudharabah; (2) the use of digital technologies such as e-KYC and AI to accelerate services; and (3) the expansion of socio-economic benefits, especially for MSMEs. The study also found that the increase in gold prices has also encouraged the increase in the use of gold pawns as an alternative financial solution. Therefore, Islamic banking needs to continue to develop gold pawn services based on rahn contracts to remain competitive, inclusive, and sharia-compliant.
Analisis Pengelolaan Wakaf Saham di PT. MNC Sekuritas Surabaya Melalui Aplikasi Motion Trade
Indonesia, as the country with the largest Muslim population, has great potential in developing Islamic philanthropy, particularly through the stock waqf instrument. Stock waqf allows sharia stocks to be managed to generate dividends or capital gains, which are then distributed to social programs. This study aims to analyze the effectiveness of digital stock waqf management through MotionTrade by PT MNC Sekuritas, as well as to identify the challenges and opportunities in its implementation. The research method used is qualitative, with a field approach for data collection using semi-structured interviews, non-participant observation, and documentation at PT MNC Sekuritas Surabaya and waqf institutions such as BWI and RZI. The research results show that through the MotionTrade application, donation management is carried out based on the POAC principles (Planning, Organizing, Actuating, Controlling) in accordance with sharia, with transparency and professionalism through the philanthropic features of MotionTrade. Collaboration with trusted nazhir institutions such as BWI, RZI, and BAZNAS ensures that the donations are properly targeted, covering assistance for Gaza, orphans, healthcare services, qurban (animal sacrifice), and scholarships. However, there are still challenges such as digital literacy, resource management, and continuously evolving regulations. With proper management and cross-institutional support, stock waqf and digital philanthropic donations through MotionTrade have the potential to become strategic instruments for improving the welfare of the Muslim community in Indonesia.
Analisis Efektivitas Insentif Ekonomi terhadap Upaya Pelestarian SDA dan Mitigasi Kerusakan Lingkungan
This study uses the library research qualitative method to examine the effectiveness of economic incentives in encouraging the conservation of natural resources (SDA) as well as mitigating environmental damage in a sustainable manner. The background of this study is driven by the increasing environmental degradation due to uncontrolled exploitation of natural resources, which is often oriented towards short-term profits without regard for ecological sustainability and community welfare. In this context, economic incentives are seen as a strategic policy instrument that is able to influence the behavior of business actors and society towards a more environmentally friendly and socially responsible activity pattern. Various forms of economic incentives were discussed including green subsidies, environmental taxes, payment for environmental services (PES) schemes, and ecolabel certification. These instruments are considered to be able to internalize the external costs of environmental damage into economic calculations, thereby providing pressure and motivation for business actors to implement more sustainable and innovative practices. Based on a review of academic literature, scientific journals, as well as national and international policies, it was found that the implementation of economic incentives has proven to be effective in increasing environmental awareness and encouraging green innovation significantly. However, the effectiveness of its implementation is highly dependent on the quality of policy governance, the level of transparency, regulatory clarity, and the active involvement of local communities. Without adequate oversight, incentives have the potential to be abused or not achieve their intended goals. Therefore, the design of economic incentive policies must be fair, measurable, and prepared with a participatory approach and based on empirical data. This study concludes that economic incentives not only function as a financial mechanism, but also as an instrument of behavior change, economic culture, and environmental innovation towards sustainability.
Analisis Pengaruh Kualitas Pelayanan terhadap Kepuasan Pelanggan dengan Pendekatan Customer Satisfaction Index (CSI) pada PT Astra International Tbk – TSO Auto2000 Cabang Salemba
The quality of service towards customer satisfaction in the automotive industry of Toyota car transportation in Indonesia is growing rapidly from year to year, especially in big cities in Indonesia this car is very much needed. The market conditions that are becoming wider and market opportunities are everywhere, this results in increasingly open and tight competition competing to be able to meet the needs and demands required by customers, customer satisfaction is a level where the estimated product performance is in accordance with the buyer's expectations and one of the ways of PT Astra International Tbk - TSO Auto2000 Salemba Branch to maintain the quality of service to customers. Customer Satisfaction Index (CSI) is a method for measuring customer satisfaction based on attributes to be measured such as compliance, responsiveness, assurance, and empathy. The purpose of the study is to improve the performance of service, facilities and customer handling of PT Astra International Tbk - TSO Auto2000 Salemba Branch. The overall level of customer satisfaction is in the good category with a CSI value of around 97%, indicating that customers are satisfied with the services provided by PT Astra International Tbk - TSO Auto2000 Salemba Branch. The factors that most influence customer satisfaction are the quality of staff service, including intimidation and speed of service.
Pengaruh Penguasaan Mata Kuliah Kewirausahaan dan Dukungan Orang Tua Terhadap Minat Berwirausaha Pada Mahasiswa Pendidikan Ekonomi Semester 6 STKIP PGRI Nganjuk Tahun Akademik 2023/2024
In today's era of increasingly fierce competition and globalization, Learning and fostering interest in entrepreneurship has many benefits for Economics Education students. People parents who support and encourage their children to become entrepreneurs can provide the motivation, guidance and resources needed to start a business. provide the motivation, guidance, and resources needed to start and run a business. and run a business. The purpose of this this study to determine the mastery of entrepreneurship courses and parental support on entrepreneurial Parental Support on Entrepreneurial Interest in Economics Education Students Semester 6 STKIP PGRI. Economics 6th Semester STKIP PGRI Nganjuk Academic Year 2023/2024. Ha3 is accepted, then there is a positive influence and significance between the variables of Mastery of Entrepreneurship Subjects And There is an influence of Mastery of Entrepreneurship Courses (X1) and Parent Support (X2) on Entrepreneurial Interest Entrepreneurship Subject Mastery (X1) and Parental Support (X2) on Entrepreneurial Interest (Y) in semester 6 economic education students of STKIP PGRI. Entrepreneurship Interest (Y) in 6th semester economic education students STKIP PGRI Nganjuk Academic Year 2023/2024.