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Analisis Komparatif Pembiayaan MMQ dan KPR Konvensional
Ina Naila Sakinah
; Ina Naila Sakinah
; Sherli Ramadhani
; Alfiyah Salwa Azizah
; Muh Furqan Al Faruqi
; Kamaruddin Kamaruddin
EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS
Vol 18
, No 1
(2025)
Musyarakah Mutanaqisah (MMQ) is a form of sharia-based financing that offers a home ownership solution free from elements of interest (riba). This article aims to analyze the application of the MMQ contract in housing finance, compare it with the conventional mortgage scheme (Kredit Pemilikan Rumah/KPR), and evaluate its impact on community welfare. This study employs a descriptive qualitative approach through literature review of academic sources, regulations, and other relevant data. The analy...
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Pengaruh Modal Usaha, Inovasi Produk, dan Strategi Pemasaran Terhadap Persepsi Profitabilitas Pelaku UMKM Kuliner di Wilayah Pekalongan
Indonesia, Dini Kharisatul Khabibah
; Rokhman, Nur
; Dini Kharisatul Khabibah
; Nur Rokhman
; Titik Rianawati
EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS
Vol 18
, No 1
(2025)
UMKM in Indonesia have an important role in economic growth, as well as being able to absorb labor, and distribute development results. The purpose of this study was to determine the effect of business capital, product innovation, and marketing strategies on the perception of profitability of culinary UMKM actors in the Pekalongan area. The population in this study were culinary UMKM actors in the Pekalongan area. The sampling technique was purposive sampling so that 95 respondents were obtained...
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The Role of Financial Strategies for MSMEs in Responding to Macroeconomic Uncertainty: A Literature Review and Secondary Data Analysis
EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS
Vol 18
, No 1
(2025)
Macroeconomic uncertainty poses a structural challenge for the sustainability of micro, small, and medium enterprises (MSMEs) in Indonesia. Fluctuations in inflation, benchmark interest rates, and exchange rates have a direct impact on liquidity, cost structures, and investment decisions. This study aims to explore the types of financial strategies adopted by MSMEs in response to macroeconomic pressures using a systematic literature review and secondary data analysis covering the period from 201...
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SISTEM MONITORING DAN KENDALI SUHU RUANGAN BUDIDAYA JAMUR TIRAM BERBASISINTERNET OF THINGS
Jurnal Elektronika dan Komputer
Vol 18
, No 1
(2025)
Proses budidaya jamur tiram sangat tergantung dengan kestabilan pada kondisi lingkungan, terutama suhu ruangan dan kelembapan yang harus di perhatikan oleh para petani. Hal ini menjadi permasalahan ketika proses pemantauan dan pengendalian lingkungan secara manual dilakukan, membutuhkan tenaga yang kuat dan waktu yang cukup besar. Penelitian ini bertujuan Mendesain rancangan sistem monitoring dan kendali suhu ruangan budidaya jamur tiram secara otomatis dan jarak jauh berbasis teknologi Interne...
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Microwave-Assisted Hydrotropic Delignification of Rice Straw
Journal of Chemical Process and Material Technology
Vol 3
, No 1
(2025)
Rice straw is the stem and stalk of the rice plant after the rice grains are harvested. Rice straw is the largest agricultural waste that has not been utilized due to technical and economic factors. The high cellulose content in rice straw can be used in various ways, including as a substitute for wood, namely raw materials for making pulp, tissues, handicrafts or very strong ropes. In addition, rice straw waste is environmentally friendly. One of the stages in the biomass fractionation process...
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The Effect of Adding Caragenan as A Microencapsulant Material in The Production of Powdered Yoghurt with The Foam Mat Drying Method
Journal of Chemical Process and Material Technology
Vol 3
, No 2
(2025)
Yogurt products that are currently available on the market are mostly in liquid form. The weakness of liquid food products is that they cannot be stored for a long time compared to powdered products. The purpose of this study was to apply the foam mat drying process on the production of powdered yogurt. The variables studied in this research were the ratio of maltodextrin, carrageenan and tween 80 (15:15:5, 15:20:5, 15:25:5, and 15:30:5) as well as the drying temperature (40, 45, and 50°C) The a...
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The Effect of FeCl3 On The Hydrolysis Process Of Lignosellulose From Sugar Cane Baggage (Saccharum Officinarum L) Assisted by Microwaves To Become Microcrystallic Cellulose
Journal of Chemical Process and Material Technology
Vol 4
, No 1
(2025)
Microcrystalline cellulose is a modification of cellulose that functions as an additive widely used in the food and pharmaceutical industries. The raw material for microcrystalline cellulose is a material that contains high cellulose content, one of which comes from sugarcane bagasse. This study aims to examine the effect of the FeCl3 concentration variable on the hydrolysis process of sugarcane bagasse to produce microcrystalline cellulose. The research method is to isolate microcrystalline cel...
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Foam Mat Drying of Carrot Puree (Daucus Carota L): The effect of foaming agent and kinetics evaluation
Journal of Chemical Process and Material Technology
Vol 4
, No 2
(2025)
Carrot is a type of orange vegetable that grows abundantly and susceptible to rot if there is no special treatment after harvest. One effort to extend the shelf life of carrots is to dry them using the foam mat drying method. The drying process is carried out by adding foaming agents in the form of egg white (15%, 20% 25%, 30%) and fillers in the form of maltodextrin (15%, 20% 25%, 30%). Drying is carried out at temperatures of 60°C, 65°C and 70°C. The purpose of this study was to determine the...
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The Utilization of Duck Egg Shell Waste as A Methylene Blue Bioadsorbent
Journal of Chemical Process and Material Technology
Vol 4
, No 2
(2025)
The development of the textile industry in Indonesia has experienced a significant increase since the 1980s. From the non-oil and gas sector, the textile industry is the largest source of government revenue. In addition to its growth and impressive increase, there are around 10-15% of used textile dyes are thrown away and become waste during the dyeing or coloring process which can exceed the maximum Chemical Oxygen Demand level of 150 mg/L. Synthetic dyes contain carcinogenic substances that ca...
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Sosialisasi Penggunaan Obat dengan “Tanya 5 O” dan Toga : Harmoni untuk Masyarakat Sehat dan Produktif di Kelurahan Gunungpati Semarang
Ade Dian Ayu Marsela
; Eka Lilin Rahmawati
; Kristiana Devi Tri Anggraeni
; Nabila Sasta Aisya Putri
; Syahrul Mahendra
; Apsarini Veda Prayudi
; Salsalia Finanda Audia Taricha
; Aisyah Aura Cahyani
; Krisna Feriawan
; Rita Dwi Ratnani
; Imam Syafa’at
Palawa: Jurnal Pengabdian Kepada Masyarakat
Vol 4
, No 1
(2025)
Kegiatan sosialisasi Tanya 5 O dan TOGA ini bertujuan untuk meningkatkan kepedulian, kesadaran, pemahaman, dan keterampilan masyarakat dalam penggunaan obat secara tepat dan benar. Serta pengolahan dan manfaat obat herbal dari tanaman TOGA (Tanaman Obat keluarga) untuk mengatasi berbagai macam penyakit. kegiatan ini diikuti oleh 53 peserta, termasuk kelompok ibu-ibu PKK, perwakilan RT/RW, ibu Lurah Kelurahan Gunungpati, dan anggota KKN Universitas PGRI Semarang, kegiatan ini memberikan edukasi t...
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