Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam
Journal title Revenue: Jurnal Ekonomi Pembangunan dan Ekonomi Islam Initials JR Abbreviations Revenue JEPEI Frequency 2 edisi per tahun (Mei dan Desember) DOI 10.56998/jr ISSN Online 2620-7826 ISSN Print 2963-0215 Publisher Sekolah Tinggi Ilmu Ekonomi Bakti Bangsa Citation Analysis Google Cendekia, Garuda, Dimensions REVENUE: Jurnal Ekonomi Pembangunan dan Ekonomi Islam merupakan jurnal ilmiah yang diterbitkan dua kali dalam setahun oleh Sekolah Tinggi Ilmu Ekonomi Bakti Bangsa Pamekasan, yaitu pada bulan Mei dan Bulan Desember. Jurnal ini merupakan media untuk mensosialisasikan ide dan argumentasi dari sejumlah kajian konseptual dan penelitian empiris yang mengkaji masalah ekonomi pembangunan, ekonomi islam, dan bidang ekonomi lainnya. REVENUE : Jurnal Ekonomi Pembangunan dan Ekonomi Islam tidak hanya berkonsentrasi pada wacana dan hasil penelitian pihak internal kampus, mem`ungkinkan “orang luar” STIE Bakti Bangsa Pamekasan juga bisa mengomunikasikan pikiran-pikirannya dalam jurnal ini. Dengan demikian, jurnal ini sepertinya layak mendapatkan credit point jika jangkauannya dapat mewadahi beragam pemikiran dari para penulis di berbagai tempat. Templat Jurnal bisa di unduh disini: Revenue Template
Sekolah Tinggi Ilmu Ekonomi Bakti Bangsa
PRINSIP KEMANDIRIAN EKONOMI PERSPEKTIF RASULULLAH
Rasulullah is a leader of the ummah throughout the world, where he is a role model in worship, social interaction with others or in doing charity, because everything that originates from Rasulullah is sunnah in accordance with what was conveyed by hadith scholars, which means "everything that is attributed to the Prophet Muhammad SAW is sunnah, whether in the form of words, deeds, taqrir (rule of law), khuluqiyyah (personality) and khalqiyyah (physical) of him. Because something that comes from the Messenger of Allah is essentially from Allah, which in this case is emphasized which means "And he did not speak from his desires, but rather a revelation that was revealed." One of the things that is no less important to study is his principle of economic independence in living his life, so that we can take intifa' (benefits) from him, to use as a principle in living this life and which is no less important so that we always follow the sunnah in aspects of our life.
Copyright (c) 2025 Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam
THE EFFECT OF MODERN RETAIL EXISTENCE, WORKING HOURS AND WORKING CAPITAL ON INCREASING LOCAL TRADERS' INCOME IN THE OMBEN SAMPANG TRADITIONAL MARKET
The retail business in Indonesia is increasingly attractive leading to fierce competition. Within a very shrt time, retailers, whit their capital, have been able to expand, establishing mnimarketts, supermarkets, and hypermarkets scattered thariety of products they offer. roughout Indonesia their presence is welcomed by the public due to he convenience, completeness, security, ease of use, and and variety of products they offer. However, this has negative consequences for traditional small retaillers, who are insreasingly being marginalized due to several fators sch as limited capital, simple management, and minima proection. They are becoming victims of economic liberalism. Operating hours can attract consumers, thus increasing revenue. Furthermore, capital is also a key driver in running a business. This research isn an ex-post-facto quantitative study using multiple linier regreassion analysis. A sample of 40 traditional retail stores in Omben Market was taken. Based on the results obtained, the presence of modern retail has a positive and significant effect on revenue, while working hours have a positive and significant effect on revenue. Working capital has a positive and significant effect on revenue. All three variables simultaneously affect revenue.
SMART CONTRACT BERBASIS BLOCKCHAIN DALAM KEUANGAN SYARIAH: PELUANG, TANTANGAN, DAN ISU KEPATUHAN SYARIAH
The development of blockchain technology has opened significant opportunities for transforming Islamic financial services, particularly through the implementation of smart contracts as automated, secure, transparent, and efficient transactional tools. This article analyzes the potential application of blockchain-based smart contracts within the Islamic finance sector by examining emerging opportunities, challenges, and Sharia compliance issues. Using a qualitative method grounded in literature analysis, this study explores how blockchain characteristics—such as decentralization, immutability, and trustless mechanisms—can support Sharia principles, including the prohibition of riba, gharar, and maysir. The findings indicate that smart contracts enhance trust and transactional efficiency, yet still face obstacles such as immature regulatory frameworks, limited digital Sharia standardization, and technical risks within blockchain code and protocols. The discussion highlights the necessity for collaboration between scholars and technology experts to formulate fiqh guidelines suited for the digital era. Thus, this article provides insights into the future development of Sharia-compliant smart contracts as a foundation for a more adaptive and innovative Islamic financial ecosystem.
PERBANDINGAN MODEL KELEMBAGAAN EKONOMI ISLAM DI UNI EMIRAT ARAB DAN INGGRIS: ANALISIS STATE-DRIVEN DAN MARKET-DRIVEN
The development of the global Islamic economy in the 2020–2025 period shows significant strengthening in institutional aspects, which form the foundation of the Islamic financial system. The United Arab Emirates (UAE) and the United Kingdom are two countries with different institutional approaches, but both play a strategic role in the global Islamic economic architecture. This study aims to analyze the institutional dynamics of the Islamic economy in both countries by emphasizing the aspects of institutional model implementation, strategic challenges, and institutional reflections based on the latest literature review. The research method uses a qualitative-descriptive approach through a literature study of regulatory reports, scientific publications, and international documents for the period 2020–2025. The results show that the UAE has adopted a state-driven institutional model through centralized regulatory coordination and harmonization of Sharia standards, while the UK has implemented a market-driven model with regulatory flexibility and innovation in Sharia financial products. Institutional reflections show that institutional effectiveness depends on the quality of regulation, the readiness of digital infrastructure, and the ability to adapt to global market dynamics.
THE INFLUENCE OF DIGITAL-BASED LEARNING ON STUDENTS' ENTREPRENEURIAL INTERESTS
The development of digital technology has changed the learning paradigm and opened up new opportunities in the world of entrepreneurship, especially among university students. Digital learning functions to deliver learning materials and as a platform to develop creativity, collaboration, and technology-based business innovation. In the context of higher education, particularly at ITB Vinus Bogor, the transformation of learning to a digital system is a crucial step in shaping student character that is adaptive to global economic changes. This phenomenon serves as an important basis for research to understand the extent to which the implementation of digital learning can influence students' entrepreneurial interest on campus. This research aims to analyze the influence of digital learning on students' entrepreneurial aspirations. This research employed an associative survey method, involving 38 active student respondents. The results were collected using a questionnaire, which was then tested for validity and reliability. The study demonstrated that most of the items were valid and therefore suitable for use. Data analysis demonstrated that digital learning significantly contributes to students' entrepreneurial aspirations. The research concluded that the greater the students' involvement in digital learning, the stronger their drive for creative and innovative entrepreneurship. Technology-based learning fosters self-confidence, adaptability, and a sustainable entrepreneurial orientation. These findings provide an important foundation for developing digital entrepreneurship learning models in higher education.
ANALISIS PENERAPAN PRINSIP SYARIAH PADA HOTEL PEKALONGAN
The analysis of sharia compliance implementation at Pekalongan Sharia Hotel focuses on examining the consistency of halal tourism practices in Indonesia. This study employs a descriptive qualitative method with an Islamic law approach and literature review. Findings indicate that the hotel has applied several sharia principles, such as providing halal food, prayer facilities, and prohibiting alcohol and entertainment contrary to Islamic values. However, a controversy arose when guests were charged additional fees without clear prior information, raising concerns about transparency, fairness, and potential elements of gharar. This situation reveals a gap between the ideal concept of a sharia hotel and its actual practices. Strengthening governance, ensuring transparency, and adhering to maqashid sharia are therefore essential for sharia hotels to truly provide benefits and gain public trust.
HALAL AWARENESS DALAM MODEST WEAR : STUDI KRITIS TERHADAP FENOMENA THRIFTING DIKALANGAN MUSLIM
The Muslim fashion movement in Indonesia shows significant dynamics, especially with the emergence of the idea of halal fashion and the increasing popularity of saving among Muslims. The purpose of this research is to examine halal awareness in the context of modest clothing and the problems encountered in the practice of buying and selling used clothing (thrifting). Perceptions, experiences, and meanings of the phenomenon were explored through a qualitative critical study method. The results of the study indicate that although thrifting offers cost-effective and environmentally friendly clothing options, there are several issues related to halal, such as product origin, the possibility of products becoming impure, and transaction transparency. To make thrifting a lifestyle that aligns with Sharia principles while also being a modern trend, education, certification, and strict oversight are needed to address the low level of halal awareness among the public. This research enhances our understanding of how religious values and fashion trends are integrated into the lives of modern Muslims.
STRATEGI KEMAJUAN TIGA PILAR TERHADAP EKONOMI ISLAM PERSPEKTIF MAQASHID ASY-SYARIAH
Islam views economic activities as one of the important elements in efforts to create the welfare of the people, maintain economic sustainability, and uphold justice. This view is in line with Maqashid Ash-Sharia, which directs every economic activity not only to meet material needs but also to achieve spiritual happiness. The balance between worldly and ukhrawi interests is the core of the implementation of Islamic economics, so supervision and commitment are needed to implement economic practices that are in line with sharia principles as a whole. For this reason, it is necessary to have a three-pillar progress strategy, namely, justice, welfare, and sustainability. These three aspects are then reflected in the principles of Maqashid Asy Syariah which includes five aspects, namely, maintaining religion, maintaining intellect, maintaining nasab, safeguarding property, and maintaining the soul, and there are three aspects that are perfect, namely Dhururiyat (main aspect), Hajjiyat (secondary aspect), and Tahsiniyat (tertiary aspect). This study uses a qualitative approach methodology with a literature study method because it can provide a deep understanding of complex issues through data analysis from various literature sources, both primary and secondary.
ANALISIS IMPLEMENTASI AKAD MUDHARABAH DALAM LEMBAGA KEUANGAN SYARIAH (STUDI KASUS BPRS AL MADINAH TASIKMALAYA)
This study aims to analyze the implementation of the mudharabah contract in the operations of BPRS Al Madinah Tasikmalaya. The methods used include collecting secondary data from documents, articles, and online sources related to the mudharabah contract, as well as primary data through direct interviews with the BPRS, especially the financing and contract implementation departments. The results of the study indicate that BPRS Al-Madinah has implemented the mudharabah contract in savings products such as Kotaku Savings, Simadu Savings, and Mudharabah Deposits which are based on the principle of profit sharing. Before the contract is carried out, the bank conveys the concept of mudharabah and agrees on the profit sharing ratio with prospective customers in a transparent manner. BPRS acts as a strategic business partner that not only collects and distributes funds, but also upholds sharia values, justice, and common good. The relationship between the bank and customers is built on the basis of mutually beneficial cooperation, different from the creditor-debtor pattern in conventional banks, thus contributing to the strengthening of the sharia economy in a sustainable manner.
DESAIN KOPERASI DESA MASA DEPAN SEBAGAI ALTERNATIF STRATEGIS UNTUK TRANSFORMASI EKONOMI DESA BERKELANJUTAN
The sustainable transformation of rural economies requires innovative and adaptive institutional models. Village cooperatives, as community-based entities, hold strategic potential to drive inclusive economic growth while simultaneously maintaining ecological and social sustainability. This study aims to design a future-oriented model of village cooperatives capable of serving as a viable alternative in addressing the challenges of globalization, digitalization, and economic inequality. The research adopts a qualitative approach, employing literature review, best practice analysis, and stakeholder participation through Focus Group Discussions (FGDs). The findings indicate that future village cooperatives must integrate circular economy principles, leverage digital technologies, and strengthen collaborative networks with both local and global stakeholders. The proposed model emphasizes inclusive governance based on local potentials, empowerment of village UMKM and environmentally friendly approaches. It is expected that this cooperative design can serve as both a policy and practical framework for governments and rural communities in realizing sustainable economic transformation.
IMPLEMENTASI AKAD MUDHARABAH PADA USAHA TERNAK SAPI DI DUSUN SEMAH DESA BATU AMPAR KECAMATAN GULUK-GULUK KABUPATEN SUMENEP
In Islam there are many types of muamalah, one of which we often use in business activities is the practice of profit sharing based on cooperation and in it there is a mudharabah profit sharing agreement or plan. Mudharabah is a form of partnership between capital owners where capital is given to capital managers with a contract agreement and the profits will be mutually agreed upon by both parties. The formulation of the problem in the study is How is the implementation of the mudharabah contract in the cattle farming business in Semah Hamlet, Baruampar Village, Guluk-guluk District, Sumenep Regency? Is the implementation of the mudharabah contract in the cattle farming business in Semah Hamlet, Baruampar Village, Guluk-guluk District, Sumenep Regency in accordance with sharia principles? The purpose of this study is to determine how the implementation of the mudharabah contract (profit sharing) in the cattle farming business and to determine whether the practice of profit sharing is in accordance with Islamic law. The research method used is descriptive qualitative which aims to explain a phenomenon in depth and is carried out by collecting data as deeply as possible with data collection techniques, namely observation, interviews and documentation. Qualitative research is research that intends to understand the phenomena experienced by research subjects such as behavior, motivation, actions and so on, by describing them in the form of words and language, in a specific context and by utilizing various scientific methods. The results of this study are practices that continue to uphold and maintain cooperation with agreements between owners and managers of capital, this can also be seen in the practice of profit sharing based on the mudharabah contract, namely the mudharabah muthlaqah contract where the people of Semah Hamlet, Batuampar Village have used the agreement for generations and they believe that the profit sharing they apply is appropriate and does not violate the rules in Islam. The distribution of the results of their efforts has been determined and agreed upon. And the method of distribution is the capital provided in the form of cattle, then the profits obtained are divided by agreement with the child of the animal or it can also be in the form of money from the sale of the cattle.
ANALISIS KESESUAIAN SISTEM PENGANGGARAN BERBASIS KINERJA DENGAN MAQASHID SYARIAH DALAM PEMBANGUNAN DAERAH
This study analyzes the compatibility of performance-based budgeting with the principles of maqashid shariah in regional development. This research employs a qualitative approach with the library research method to examine various relevant literatures, including regional budget policies and the principles of maqashid shariah. The findings indicate that performance-based budgeting aligns with maqashid shariah in terms of justice, efficiency, and transparency. However, challenges remain in optimizing budget distribution to be more equitable and in accordance with Islamic principles. The implications of this study are expected to provide insights for policymakers in designing budget strategies that better align with Islamic values, ultimately enhancing community welfare and sustainable regional development.
ANALISIS KINERJA PEMERINTAH MELALUI MANAJEMEN PELAYANAN PUBLIK TERHADAP MASYARAKAT DI SUMATERA SELATAN
Public service is one of the main indicators of the success of a community-oriented government. This study discusses the evaluation and supervision of public services in South Sumatra Province, focusing on the role of the Indonesian Ombudsman in assessing the compliance of local governments with service standards. The evaluation results serve as the basis for improving service delivery and promoting a more transparent and accountable bureaucratic reform. Effective supervision has been shown to enhance service quality and build public trust in government institutions. Through an evaluative approach, local governments can identify weaknesses and develop continuous improvement strategies. Therefore, the evaluation and supervision of public services are not merely administrative routines but are integral to good and sustainable governance.
THE INFLUENCE OF FINANCIAL DEVELOPMENT AND EDUCATION WOMEN'S EMPOWERMENT: EMPIRICAL EVIDENCE FROM G20 MEMBER COUNTRIES
Women's empowerment is one of the sustainable development goals that has become a global agreement that is still being fought to realize it. The purpose of this study is to examine and analyze in depth the relationship between the level of education and financial development at the macro level in G20 member countries based on the cluster of religious groups adhered to. This study uses a quantitative approach to panel data regression analysis model, the data used in the form of secondary data obtained from World Development Indicators (WDI) and Global Financial Development (GFD). Data collection using perposive sampling techniques, then the data is processed and analyzed with the help of the Eviews 10 statistical application. The results showed two findings that, first, all indicators measuring financial development and women's education levels had a significant effect on women's empowerment, in the cluster of non-Muslim G20 member countries. Second, domestic credit in the private sector and bank asset capital have a significant positive effect while non-bank financial institution assets have a significant negative effect on the empowerment of women in Muslim cluster countries as well as women's education level which has a significant negative effect. Thus, G20 member countries with a majority of non-Muslim populations provide more space for women's empowerment supported by the female population level and the development of the financial sector. However, this is not the case with G20 member Muslim countries.
MITIGASI RESIKO SUKUK GAGAL BAYAR DALAM PERPEKTIF EKONOMI SYARIAH
Industri keuangan syariah telah berkembang pesat di pasar keuangan global hingga tahun 2015 ketika mengalami perlambatan pada tahun 2016 dengan perkiraan nilai USD 1,89 triliun. Wanprestasi sukuk harus dapat diatasi atau dihindari, sehingga melalui makalah ini kami ingin mengungkapkan risiko yang dapat timbul dari sukuk dan memitigasi risiko gagal bayar sukuk. Jenis metode penelitian yang digunakan dalam penelitian ini adalah literatur, yaitu penelitian yang penemuan objeknya dilakukan dengan menggali informasi literatur. Hasil penelitian ini, penyelesaian risiko gagal bayar salah satunya dengan melakukan restrukturisasi sukuk. Adapun untuk restrukturisasi, yaitu penjadwalan ulang, pemberian perpanjangan waktu, regulasi harus diperketat, seperti obligasi konvensional tetap menggunakan prinsip syariah sekaligus dan semua transaksi Sukuk harus halal, hindari transaksi riba (membayar dan mengambil bunga), gharar (ambiguitas, fraud), dan maysir (permainan peluang), larangan berinvestasi pada produk dan jasa yang tidak sesuai dengan syariah, perlu persetujuan dari Dewan Penasehat Syariah. Ada dua implikasi utama dari prinsip syariah penyelesaian sengketa ini. Pertama, para pihak diberi keleluasaan untuk menentukan resolusi melalui negosiasi yang adil, selama tidak bertentangan dengan aturan Syariah lainnya, seperti riba, gharar, dan maysir. Kedua, perancah konkret untuk restrukturisasi utang semakin sedikit karena para pihak dapat menyusun sejumlah solusi.
Copyright (c) 2024 Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam
PENGARUH KUALITAS PRODUK OLAHAN IKAN, INFRASTRUKTUR DERMAGA DAN PENGELOLAAN TPI TERHADAP PEMBANGUNAN EKONOMI DESA BRANTA PESISIR
This research aims to measure the level of influence of processed fish product quality, TPI management, and dock infrastructure on the economic development of Branta Pesisir Village in Pamekasan Regency, East Java Province. Branta Pesisir Village has resources that are used as capital to develop the economy. However, the dock and TPI infrastructure resources are not directly within the administrative area of the Branta Pesisir Village Government and in addition the village community is able to produce processed fish products that have added economic value. Economic development can be measured through economic growth influenced by supporting factors, utilization of marine products, docks, and fish auction sites located in the village area. A quantitative approach was applied in this study with primary data analyzed using multiple linear analysis methods. The results showed that the quality of processed fish products, TPI management, and dock infrastructure simultaneously had a positive and significant effect on the economic development of Branta Pesisir Village by 63.7%, these results recommend economic development of Branta Pesisir Village by empowering the community to increase the value of economic growth factors both directly and indirectly on the capacity of fish products, the quality of TPI management and maintaining dock infrastructure so that these three variables become strong factors driving independent and sustainable economic development.
CONSUMPTION BEHAVIOR OF FISHERMAN HOUSEHOLDS FROM AN ISLAMIC ECONOMIC PERSPECTIVE IN BRANTA COASTAL VILLAGE
This research uses descriptive qualitative methods by conducting observations followed by semi-structural interviews, to obtain valid information from competent informants, namely fishermen households in Branta Pesisir Village. This research is about consumption behavior which is an indicator of household welfare in a region. This can be illustrated through direct research, how much expenditure is spent on fishermen's household consumption in terms of food and non-food consumption. If food consumption is greater than non-food consumption, then the family is classified as less prosperous, vice versa. Human consumption behavior cannot be separated from the rules (sharia) of the Islamic religion, if a Muslim (Muslim) in his consumption violates the provisions of the Shari'a then it is not considered Islamic consumption behavior. Results of research into the consumption behavior problems of fishermen's households in Branta Pesisir Village using an Islamic Economic Perspective. There are findings of the fact that their consumption depends on the income they earn, for fishing families whose income is large they tend to consume non-food, and vice versa. Consumption behavior that is in accordance with Islamic economic principles includes simple living behavior (not wasteful) and likes working together in good deeds.
PERAN DAN TANTANGAN BANK SYARIAH INDONESIA DALAM MENINGKATKAN INKLUSI KEUNGAN MELALUI PRODUK MIKRO SYARIAH
Financial inclusion is an important aspect of sustainable economic development. Bank Syariah Indonesia (BSI), as the largest sharia bank in Indonesia, has a strategic role in expanding access to public financial services, especially through micro sharia products. This article aims to explore BSI's role in increasing financial inclusion and the challenges it faces in implementing sharia micro products. Through empirical data analysis studies, this article identifies various challenges such as low financial literacy, technological limitations, and high operational costs. This research uses a qualitative descriptive method. The research results show that BSI has great potential in expanding financial access for lower society, but requires more effective strategies to overcome various obstacles.
ANALISIS PENGARUH INFLASI, NILAI TUKAR, SUKU BUNGA, DAN JUMLAH UANG BEREDAR TERHADAP NILAI EKSPOR DI INDONESIA TAHUN 2020-2023
This study analyzes the effect of inflation, exchange rates, interest rates, and money supply on the value of exports in Indonesia for 4 years 2020-2023. It aims to understand how these factors affect the value of exports. The method used is quantitative analysis with time series data obtained from BPS, BI, and the Ministry of Trade, including four dependent variables (inflation, exchange rates, interest rates, and money supply) and one independent variable (exports). The results show that inflation and money supply have a significant influence on exports. However, exchange rates and interest rates do not have a significant effect. Simultaneously, all independent variables significantly affect the value of exports. In conclusion, these factors have an important role in influencing the value of exports in Indonesia.
DAMPAK KEBIJAKAN PEMERINTAH TERHADAP PEMBERDAYAAN DAN PERKEMBANGAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI KABUPATEN PURWAKARTA
This study uses secondary data and qualitative descriptive methodologies to investigate how government policies affect the growth and empowerment of MSMEs in Purwakarta Regency. The study's findings demonstrate that although the government has aided the MSME sector, obstacles such low productivity, lack of product certification, administrative restrictions, and access to technology and skills continue to impede the expansion of MSMEs in Purwakarta Regency. This suggests that more efficient policies are required to boost MSMEs' share of the regional and national GDP.
SINERGI BAITUL MAAL DAN BMT DALAM MENDORONG PENGEMBANGAN EKONOMI DESA SUMURGEDE
Sumurgede Village, despite being categorized as a developing village, still faces significant challenges related to poverty. The majority of its residents rely on an under- optimized agricultural sector. Underdeveloped infrastructure and limited market access also hinder economic development. In this context, Baitul Maal and BMT play strategic roles. BMT provides Sharia-based financing for MSMEs, while Baitul Maal distributes zakat funds for business capital. These institutions not only provide access to capital but also business mentoring, which is crucial in reducing poverty and improving community welfare. The synergy between Baitul Maal and BMT has proven effective in supporting local economic development through a sustainable approach in accordance with Sharia principles.
IMPLEMENTASI KINERJA KARYAWAN DALAM PEMBIAYAAN GADAI EMAS TERHADAP NASABAH DI PEGADAIAN SYARIAH UPS KALI BUTUH
Penelitian ini untuk menganalisis implementasi kinerja karyawan dalam pembiayaan gadai emas terhadap nasabah di Pegadaian Syariah UPS Kali Butuh, keberadaan pegadaian menjadi solusi bagi masyarakat yang membutuhkan dana tunai secara cepat dengan menggunakan barang berharga, seperti emas, sebagai jaminan/agunan, Lembaga pegadaian juga menawarkan berbagai produk dan layanan keuangan lainnya, seperti pembiayaan, investasi, dan jasa titip. Metode penelitian yang digunakan adalah kualitatif deskriptif dengan pendekatan studi kasus, pengumpulan data dilakukan melalui wawancara, observasi dan dokumendasi. Hasil penelitian menunjukkan bahwa kinerja karyawan Pegadaian Syariah UPS Kali Butuh dalam pembiayaan gadai emas sudah cukup baik, karyawan memiliki kompetensi yang memadai, memberikan pelayanan yang ramah dan cepat, serta menjalankan prosedur gadai emas sesuai dengan ketentuan syariah. Namun, masih terdapat beberapa kendala seperti kurangnya sosialisasi produk gadai emas syariah kepada masyarakat dan terbatasnya jumlah karyawan. Implikasi dari penelitian ini adalah perlunya peningkatan kualitas sumber daya manusia, optimalisasi pemanfaatan teknologi, dan penguatan strategi pemasaran untuk meningkatkan kinerja karyawan dan kepuasan nasabah.
THE ROLE OF SHARIA FINANCIAL INSTITUTIONS IN IMPROVING THE ECONOMY BY IMPLEMENTING FINANCIAL LITERACY AND FINANCIAL INCLUSION IN TEGAL REGENCY
This research emerged in response to a deep need to understand the concrete efforts being made to increase sharia financial literacy and inclusion in Tegal Regency. The research method used is descriptive qualitative, with data collection through observation, interviews and documentation. Data analysis involves data reduction, presentation, and verification, as well as validation through observation, triangulation, and reference checking. The research informants consisted of Tegal Regency OJK administrators and the Tegal Regency community. OJK Tegal Regency is actively involved in strengthening sharia financial literacy and inclusion by applying principles such as planned and measurable, achievement-oriented, sustainable and collaborative. Programs such as Financial Education have been implemented, but there needs to be an increase in education programs and national campaigns to ensure that understanding of financial literacy is evenly distributed in the very large working area of OJK Tegal Regency.
ANALYSIS OF FACTORS AFFECTING THE PRODUCTION VALUE OF THE HOME INDUSTRY OF TETTE CHIPS IN TARO'AN VILLAGE PAMEKASAN
The aim of this research is to determine and analyze production factors that influence the production value of the Tette chips home industry in Taro'an Village, both simultaneously and partially. There are three main production factors used in the production of tette chips home industry products in Taro'an Village consisting of raw materials, labor and capital. Capital comes from personal capital and some from group bank loans. As many as 450 village residents are directly involved as workers and part of business owners. The production process relies on human power without involving modern technology. Meanwhile, the raw material for cassava is obtained from agricultural products and markets in the surrounding area. Quantitative methods with multiple linear regression analysis are applied using primary data obtained directly from data sources to answer research problems. The results reveal that the three production factors simultaneously have a positive and significant influence of 72.6%, while the production factors partially influence production value at different levels. Consecutively, the level of influence given starts from variable X2 then X1 and X3, so that the tette chip home industry in Taro'an Pamekasan Village is important to developed.
FAKTOR-FAKTOR YANG MEMPENGARUHI NILAI INDUSTRI HALAL PADA PERUSAHAAN YANG TERDAFTAR DI BURSA EFEK INDONESIA
In recent years, the halal sector has been regarded as the source of the country's economic growth. Indonesia has great potential for developing halal industries as it is the country with the largest Muslim population in the world. According to The State of Global Islamic Economy Report 2020-2021, Muslims around the world spend more than $2.02 trillion on goods like halal food, halal pharmacy, halal cosmetics, fashion, Shariah tourism, and more. In addition, according to the Indonesian Shariah Economic Master Plan 2019-2024, Indonesia is the 10th largest buyer in any halal industry subsector. Indonesia ranks first in the world for food shopping and fifth for halal travel. A deductive study is a type of research that begins with a theory or hypothesis and seeks to test its validity through data collection and analysis. The results of the research show that the factors affecting the value of halal industry in companies listed on the Indonesian stock exchange must have a halal certification from MUI. Halal certification is a process of systematic testing to find out whether a product made by a company meets legal requirements or not.
KONSEP EKONOMI BEROKAH DALAM TRADISI PENGAJIAN KOLOMAN MADURA DI DESA LARANGAN BADUNG KECAMATAN PALENGAAN PAMEKASAN
This study aims to investigate the concept of Berokah Economics in the tradition of recitation in Madura. The focus of this research is to understand how the concept is applied in the economic practices of the people involved in recitation activities in Madura. The research method used is qualitative research with a descriptive approach. Data was collected through participatory observation, in-depth interviews, and analysis of documents related to recitation traditions and related economic practices. The research participants consisted of members of the Madurese community involved in recitation activities and economic practices. The results of the study show that the concept of Berokah Economics in the tradition of recitation in Madura has significant implications for empowering the community's economy. Study participants integrate the teachings of the Islamic religion in their daily economic practices. They apply principles such as sincerity, piety to Allah, and gratitude in doing business. This concept influences the way they conduct transactions, interact with consumers, and manage their economic resources. also serves as a forum for friendship and exchange of information between members of the study.
Copyright (c) 2023 Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam
ANALISIS IMPLEMENTASI STRATEGI PENYELESAIAN DALAM MEMINIMALISIR PEMBIAYAAN MURABAHAH BERMASALAH (STUDI KASUS BMT AMANAH MADINA)
Analysis of Settlement Strategies in Minimizing Problematic Murabahah Financing at BMT Amanah Madina. Observations and structured data can create solutions in the form of powerful strategies in overcoming all problems in BMT Amanah Madina. BMT Amanah Madina applies several alternatives which I think as a writer are very useful in solving some of the problems that arise in BMT. The settlement strategy depends on the existing problems, and the observation of financial institutions and customers in determining alternative solutions to these problems. The author uses qualitative methods and descriptive approaches in solving his research. By using two data sources, namely primary data obtained by conducting direct interviews with BMT Amanah Madina employees Next is secondary data obtained from references to problematic financing, murabahah financing, journals on problem-solving strategy theory, data on murabahah financing from the internet and previous research. For the purpose of data analysis, researchers use inductive methods in determining the way of thinking from information and data regarding financing mechanisms and customer feasibility analysis about the validation of prospective customers in applying for financing at BMT Amanah Madina. The result of this journal is that there are solutive ways and strategies in dealing with murabahah financing problems and can be used thoroughly by financial institutions that have problems related to problem financing.
IMPROVING THE CAPABILITY OF THE GREEN ECONOMY IN PROMOTING THE DEVELOPMENT OF TOURISM VILLAGES TO REALIZE SUSTAINABLE DEVELOPMENT
Sustainable development is now the main goal in efforts to achieve community prosperity, maintain environmental sustainability, and promote inclusive economic growth. Green economy, which emphasizes economic growth that does not harm the environment and strengthens social sustainability, is a strategic basis for developing tourist villages. This journal is a review of a selection of journals that are case studies in this review. A literature search was carried out using the Google Scholars online database. The findings of this research are that the researcher concludes, Although many tourist villages have adopted the Green Economy concept as the main basis for their development, the reality presents a series of challenges that need to be overcome. Limited resources, both in terms of finance and infrastructure, are a real obstacle that hinders the ability of tourist villages to fully realize their Green Economy potential. Community resistance to change is also a serious challenge. Increasing understanding of the Green Economy concept also needs to be the main focus in efforts to overcome this obstacle. Educational programs, training and information campaigns can help make people aware of the economic, social and environmental benefits of implementing a Green Economy. Leading to better understanding can reduce resistance and encourage people to play an active role in the sustainability economy. Tourism villages can achieve a more effective and sustainable transformation. Close cooperation between government, society and the private sector is needed to create an environment that supports positive change.
IMPLEMENTASI KONSEP GREEN ECONOMY TERHADAP PENGELOLAAN TAMAN WISATA ALAM WIRA GARDEN KOTA BANDAR LAMPUNG, SEBAGAI UPAYA MEWUJUDKAN PEMBANGUNAN EKONOMI YANG BERKELANJUTAN
Lampung is one of the provinces in Indonesia which is famous for its beautiful tourism, one of which is the Wira Garden natural tourist park in Lampung province, Wira Garden is famous for its clear water. Gradually the number of visitors increases, so the volume of waste increases due to the lack of awareness of the public and visitors regarding waste management. well. For this reason, researchers are interested in researching case studies. The type of research taken is descriptive qualitative using a phenomenology approach and a case study approach. This research uses secondary data through literature reviews from various books, research journals and other literature related to research. aims to create descriptions, systematic, factual and accurate descriptions of the nature and relationships between the phenomena being investigated. Green Economy implementation activities with the 3R concept (Reduse, Reuse, Recycle). It is hoped that this activity can be an alternative in preserving the environment, especially tourism, to improve the economy and sustainable development
THE INFLUENCE OF CUSTOMER CONFIDENCE ON HAJJ SAVINGS IN INDONESIAN SHARIA BANK ​
Bank Syariah Indonesia is the largest sharia banking in Indonesia due to the merger of three state-owned banks. One of the savings products is Hajj Savings. This Hajj savings can be used for planning Hajj or Umrah using a mudharabah agreement. This segmentation of Hajj Savings can be used for all customers with different savings product categories. This research uses a qualitative method where data is collected from journals, books and websites. The purpose of this research is to analyze customer or public trust in Hajj Savings at BSI. So customer trust in BSI products is very important. Research shows that customer confidence in saving at Bank Syariah Indonesia is high, as seen from survey data regarding Hajj planning on the BSI website.