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Peran Kontrak Istishna dalam Mendorong Pertumbuhan Ekonomi Syariah TinjauanTeoritis dan Praktis
Andi Asti Yuninsi
; Andi Asti Yuninsi
; A. Nur Husnul Khatimah
; Sindi Ramadani
; Akmal Aswad
; Kamaruddin Kamaruddin
EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS
Vol 18
, No 1
(2025)
The growth of the Islamic economy in Indonesia requires financing instruments that are not only in line with Islamic principles but also capable of driving the real sector productively. Istisna' contracts, which involve the sale of goods by order, offer a promising solution for financing construction projects, manufacturing, and micro-businesses. This study aims to explore the definition, role, and implementation of istisna' contracts in supporting the growth of the Islamic economy. Using a desc...
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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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Pengaruh Profitabilitas dan Ukuran Perusahaan Terhadap Financial Distress Model Altman Z- Score pada Sektor Consumer Cyclicals di Indonesia
EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS
Vol 18
, No 1
(2025)
This study aims to examine the influence of profitability and firm size on financial distress in companies operating within the consumer cyclicals sector listed on the Indonesia Stock Exchange during the 2021–2023 period. Financial distress was assessed using the Altman Z-Score model. A quantitative approach was employed, utilizing purposive sampling to select a final sample of 101 companies. The analysis was conducted using panel data regression with a fixed effect model. The results indicate...
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SYSTEMATIC LITERATURE REVIEW (SLR): USER ACCEPTANCE AND SATISFACTION WITH BYOND SERVICES BY BSI
Aida Puspita
; Rosyidah Septianingrum
; Siti Shofiyaturrohmah
; Azkania Nabila
; Rosyidah Septianingrum
EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS
Vol 18
, No 1
(2025)
Digital transformation in the Islamic banking sector requires innovation that is responsive to user needs. The BYOND by BSI application is a form of digital transformation by Bank Syariah Indonesia in response to these dynamics. This study aims to examine customer acceptance and satisfaction with the use of the BYOND application based on five recent national studies. The research findings indicate that factors such as perceived usefulness, ease of use, trust, and Islamic banking features play a...
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Personalisasi Produk E-Commerce dengan Kecerdasan Buatan untuk Meningkatkan Loyalitas Pelanggan
EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS
Vol 18
, No 1
(2025)
In the era of data-driven digital commerce, Artificial Intelligence (AI)-based product personalization has become a key strategy to enhance user experience and foster customer loyalty. However, in the Indonesian e-commerce landscape, there remains a lack of empirical understanding of how personalization systems influence long-term user engagement. This study investigates the impact of AI-driven product personalization on customer loyalty among Indonesian e-commerce users. Employing a mixed-metho...
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Transparansi Keuangan UMKM melalui Otomatisasi Akuntansi Digital Berbasis Cloud
KOMPAK : Jurnal Ilmiah Komputerisasi Akuntansi
Vol 18
, No 1
(2025)
In the digital economy era, financial transparency has become a critical aspect for the sustainability and credibility of Micro, Small, and Medium Enterprises (MSMEs). Despite their substantial contribution to employment and economic growth, many MSMEs in Indonesia still rely on manual accounting systems, which limit the accuracy and traceability of financial reporting. This study aims to empirically examine the effect of cloud-based accounting automation on financial transparency among Indonesi...
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3 Sitasi
Strengthening Transparency and Accountability of Village-Owned Enterprises (BUMDes) through Community-Based Internal Audit Assistance
Proceeding. of The International Conference on Business and Economics
Vol 3
, No 2
(2025)
Strengthening transparency and accountability in the financial management of Village-Owned Enterprises (BUMDes) is crucial in promoting good village governance. However, many BUMDes still face challenges such as weak record-keeping systems, the absence of internal audits, and limited human resource competencies in financial aspects. This community service activity aims to build an internal audit system as a strategy to improve the financial governance of BUMDes in Pematang Serai Village, Tanjung...
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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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