Journal of Management, Economics, and Entrepreneur
Jounal of Management, Economics, and Entrepreneur merupakan jurnal ilmiah mahasiswa yang diterbitkan oleh Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Nahdlatul Ulama Kebumen, Jawa Tengah. Jurnal ini bertujuan menjadi salah satu sarana wujud Visi dan Misi FEBI IAINU Kebumen dalam mengembangkan ilmu Ekonomi Islam melalui publikasi hasil-hasil penelitian dan pengabdian mahasiswa. Jurnal ini menjadi wadah bagi dosen dan mahasiswa untuk mengembangkan dan mengkomunikasikan hasil-hasil riset yang telah dilakukan termasuk menjalankan publikasi ilmiah yang disyaratkan.
Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Nahdlatul Ulama ( IAINU) Kebumen
Strategi Peningkatan Kepuasan dan Loyalitas Nasabah melalui Optimalisasi Pelayanan Funding Officer di BPRS Ihsanul Amal Gombong
Penelitin ini bertujuan untuk menganalisis Efektivitas Pelayann Funding Officer Terhadap Kepuasan dan Loyalitas Nasabah pada BPRS Ihsanul Amal Gombong, Latarbelakang penelitian ini berdasarkan pada kondisi dimana sebuah pelayanan funding officer menjadi hal yang penting, karena posisi funding officer sebagai garda terdepan selaku orang yang interaksi langsung dengan nasabah sehingga efektivitas pelyanan seorang funding officer harus benar benar diperhatikan. Metode penelitian yang digunakan adalah kualitatif deskriptif dengan studi kasus di BPRS Ihsanul Amal Gombong. Pendekatan ini dipilih karena mampu memberikan pemahaman mendalam mengenai fenomena yang kompleks yakni implementasi pelayanan funding officer yang efektif kepada nasabah. Data diperoleh dari wawancara mendalam kepada funding officer dan nasabah aktif BPRS Ihsanul Amal Gombong. Selaian itu penulis juga menggunakan studi dokumen dan observasi lapangan. Hasil penelitin menunjukan bahwa pelayanan yang dilakukan oleh funding officer BPRS Ihsanul Amal Gombong berjalan dengan efktif dan berdampak pada kepuasan dan loyalitas nasabah. Hal ini di buktikan dengan terpenuhinya indikator efektivitas yakni pencapaian tujuan, integrasi dan adaptasi. Berdasarkan tercapainya tiga indikator tersebut berdampak pada nasabah yang merasa puas dengan pelayanan dan memilih untuk loyal dengan konsisten melakukan transaksi dan ikut merekomendasikan kepada orang di sekitar nasabah.
Copyright (c) 2026 Journal of Management, Economics, and Entrepreneur
Pengaruh Dana Pihak Ketiga dan Efisiensi Biaya Operasional terhadap Return on Assets pada BPRS Bumi Artha Sampang Kebumen
Return on Assets (ROA) is a ratio used to measure a bank's ability to generate profit and overall efficiency; this ratio has been proven significant. Return on Assets (ROA) can be used to assess a bank management's ability to achieve overall profitability. The purpose of this study is to examine the influence of Third-Party Funds (DPK) and Operational Expenses to Operating Income (BOPO) on Profitability (ROA) at BPRS Bumi Arta Sampang during the period 2018-2025. This research is categorized as a library research study. It is a quantitative study. The variables suspected to influence Return on Assets (ROA) in this study are Third-Party Funds (DPK) and Operational Expenses to Operating Income (BOPO). The data used in this study are secondary data, obtained from the financial report statistics of BPRS Bumi Arta Sampang for the period 2018-2025 published by the Financial Services Authority (OJK). This study uses multiple linear regression analysis, classical assumption tests, hypothesis testing, and coefficient of determination tests. To process the research data, this study uses the IBM Statistical SPSS program. This study concludes that, partially, Third Party Funds (DPK) have no significant effect on Profitability (ROA). This is proven based on the T-test which obtained a tcount value of -0.221 < ttable 1.703 and a significance value of 0.320 > 0.05, indicating that Ho is accepted and Ha is rejected. Partially, Operational Costs to Operating Income (BOPO) has no significant effect on Profitability (ROA). This is proven based on the T-test which obtained a tcount value of 0.120 < ttable 1.703 and a significance value of 0.584 > 0.05, indicating that Ho is accepted and Ha is rejected. Simultaneously (together), Third Party Funds (DPK) and Operational Expenses to Operational Revenue (BOPO) does not significantly affect Profitability (ROA). This is proven based on the results of the F-Test above, it can be concluded that the F-value of 0.673 < 3.493 with a significance value of 0.521 > 0.05, so Ho is accepted and Ha is rejected. Keywords: Third Party Funds (DPK), Operational Expenses to Operational Revenue (BOPO), Profitability (ROA).
Biaya Operasional Pendapatkan Operasional
Pengaruh Literasi Keuangan Syariah dan Pengetahuan Produk terhadap Minat Santri di Kebumen pada Bank Syariah dengan Moderasi Religiusitas
Penelitian ini dilakukan dengan tujuan untuk mengetahui pengaruh literasi keuangan syariah dan pengetahuan produk tentang minat dalam menggunakan bank syariah bagi santri di Kebumen dengan religiusitas sebagai moderasi. Riset ini menggunakan pendekatan kuantitatif dengan metode penelitian survei. Sumber data yang digunakan data primer. Variabel yang digunakan adalah Literasi Keuangan Syariah, Pengetahuan Produk, Minat Menggunakan Bank Syariah dan Religiusitas. Populasi dalam penelitian ini adalah santri di Kebumen. Pengambilan sampel dilakukan berdasarkan rumus lemeshow dengan sampel 100 responden. Teknik pengumpulan data yang dilakukan dengan mendistribusikan kuesioner melalui Google Formulir. Teknik pengambilan sampel menggunakan teknik pengambilan sampel non-probability dan menggunakan metode purposive sampling. Metode analisis yang digunakan adalah melalui tes MRA (Moderated Regression Analysis) menggunakan IBM SPSS Statistik 26. Berdasarkan hasil penelitian, terbukti bahwa dalam variabel parsial X1 literasi keuangan syariah berpengaruh positif terhadap menggunakan bank syariah dibuktikan dengan nilai T-hitung sebesar 2.252 > T-tabel 1.984 dengan nilai signifikansi 0.027 < 0.05. Variabel X2 pengetahuan produk berdampak negatif pada minat menggunakan bank syariah terbukti dengan nilai yang dihitung -2,275 < 1,984 dengan nilai signifikansi 0,025 < 0,05. Sementara itu, interaksi variabel religiusitas mampu memoderasi pengaruhnya literasi keuangan Islam dan pengetahuan produk terhadap minat menggunakan bank syariah pada santri di Kebumen.
Copyright (c) 2025 Journal of Management, Economics, and Entrepreneur
Perbandingan Technical Indicators dalam Maksimalisasi Profit Saham Sektor Keuangan Tercatat pada Daftar Efek Syariah Tahun 2022-2024
ABSTRACT Based on AB-STOTS data, the number of sharia investors will increase by 240% in 2020-2024. IDX uses DES as a guideline for investors in choosing stocks that are in accordance with sharia principles. In terms of profit maximization, investors need to equip themselves with knowledge of technical analysis to see stock price movements with the help of technical analysis indicators. This study uses the MA, MACD, and Stochastic RSI indicators with the aim of comparing the performance of each indicator and determining the most optimal indicator in maximizing profits. The theories used are Dow Theory, Signaling Theory, and Decision Theory. The research method used is descriptive quantitative by analyzing close price data on financial sector stocks recorded in DES 2022-2024. The research sample is a total sampling of the existing population. The data collection technique was used with documentation techniques processed with Microsoft Excel and the SPSS Software version 27 tool. The results show that the MACD indicator shows the highest mean profit of 6.73% compared to the MA of 5.98% and the Stochastic RSI of 0.25%. The standard deviation and range of return produced by the MACD also have a higher profit variability than the other two indicators. And the MACD corresponds to all the theories used. Thus, it can be concluded that the MACD is the best indicator in an effort to maximize profits compared to the MA and Stochastic RSI for the type of risk seeker investor.
Pengaruh Fee Based Income dan Current Account Saving Account Terhadap Profitabilitas dengan Financing to Deposit Ratio Sebagai Variabel Moderasi
Penelitian ini bertujuan untuk menganalisis dan mengetahui bagaimana pengaruh FBI dan CASA terhadap profitabilitas dengan FDR sebagai variabel moderasi pada BSI periode 2021-2024. Metode penelitian yang digunakan adalah metode kuantitatif deskriptif. Data yang digunakan berupa data sekunder yang diperoleh dari website resmi BSI dan OJK. Populasi penelitian ini terdiri dari 48 laporan keuangan bulanan Bank Syariah Indonesia pada tahun 2021-2024. Penentuan sampel pada penelitian ini menggunakan sampling jenuh. Teknik pengumpulan data pada penelitian ini menggunakan data sekunder selanjutnya data penelitian diolah dengan software Eviews 12 melalui uji statistik deskriptif, uji asumsi klasik, uji regresi dan uji MRA. Hasil penelitian menunjukkan bahwa (1) FBI memiliki nilai koefisien -0,0228 dan nilai probabilitas sebesar 0,4099 > dari 0,05 artinya FBI berpengaruh negatif tidak signifikan terhadap profitabilitas. (2) Nilai koefisien CASA 0,0633 dan nilai probabilitas sebesar 0,0022 < dari 0,05 berarti CASA memiliki pengaruh positif signifikan terhadap profitabilitas. (3) Nilai koefisien variabel interaksi FBI sebesar 0,0288 dengan nilai probabilitas 0,0364 < dari 0,05 artinya FDR dapat memoderasi pengaruh FBI terhadap profitabilitas. (4) Variabel interaksi CASA memiliki nilai koefisien sebesar 0,0024 dan nilai probabilitas 0,6892 > dari 0,05, hal ini berarti FDR tidak dapat memoderasi pengaruh CASA terhadap profitabilitas.
Pengaruh Kualitas Pelayanan dan Harga Terhadap Kepuasan Konsumen JNE Agen Jatimulyo dalam Perspektif Ekonomi Islam
Penelitian ini bertujuan untuk menganalisis pengaruh kualitas pelayanan dan harga terhadap kepuasan konsumen JNE Agen Jatimulyo serta menilai praktik tersebut dalam perspektif ekonomi Islam. Penelitian kuantitatif ini menggunakan metode survei dengan 100 responden yang dipilih melalui accidental sampling. Data dianalisis menggunakan uji validitas dan reliabilitas, uji asumsi klasik, korelasi Pearson, serta regresi linier berganda. Hasil penelitian menunjukkan bahwa kualitas pelayanan berpengaruh signifikan terhadap kepuasan konsumen (sig. 0,001), dan harga juga berpengaruh signifikan (sig. 0,012). Secara simultan, kedua variabel berpengaruh signifikan terhadap kepuasan konsumen (F = 37,794; sig. 0,000). Koefisien regresi menunjukkan bahwa kualitas pelayanan (0,130) dan harga (0,370) berpengaruh positif terhadap kepuasan konsumen. Dalam perspektif ekonomi Islam, pelayanan harus menjunjung kejujuran, keadilan, dan tanggung jawab, sementara penetapan harga harus adil, transparan, dan bebas dari penipuan. Hasil penelitian menyimpulkan bahwa peningkatan kualitas pelayanan dan penetapan harga yang sesuai prinsip syariah dapat meningkatkan kepuasan dan loyalitas pelanggan.
Analisis Penerapan Marketing MIX 4P Terhadap Persepsi Konsumen pada Angkringan Mukti dalam Perspektif Maqashid Syariah
ABSTRAK Penelitian ini mengkaji bagaimana penerapan bauran pemasaran 4P (produk, harga, tempat, dan promosi) mempengaruhi persepsi konsumen di Angkringan Mukti Kebumen dalam bingkai Maqashid Syariah. Penelitian dilakukan dengan metode deskriptif kualitatif melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa strategi 4P telah dijalankan dengan baik; produk yang disediakan cukup beragam dan berkualitas, harga yang diberikan sesuai daya beli masyarakat, lokasi usaha mudah dijangkau dan nyaman, serta promosi lebih banyak dilakukan melalui media sosial dan rekomendasi pelanggan. Dalam perspektif Maqashid Syariah, strategi pemasaran ini menggambarkan nilai daruriyat, hajjiyat, dan tahsiniyat, terutama dalam menjaga kehalalan, kenyamanan, serta etika pelayanan. Temuan ini menegaskan bahwa perpaduan antara strategi pemasaran dengan prinsip-prinsip Islam mampu meningkatkan kepercayaan konsumen sekaligus mendukung keberlangsungan usaha. Kata kunci: Marketing Mix, Persepsi Konsumen, Maqashid Syariah, Angkringan Mukti Kebumen
Pengaruh Kapitalisasi Pasar Modal Syariah Terhadap Pertumbuhan Ekonomi di Indonesia pada Tahun 2015-2023
This research aims to determine the influence of Sharia capital market capitalization on economic growth in Indonesia in 2015-2023. This research uses secondary data in the form of time series originating from the Central Statistics Agency and the Financial Services Authority for the period 2015-2023. The analysis technique used in this research is quantitative analysis techniques. The method used is the Error Correction Model (ECM) analysis method. The research results show that Sharia Stocks have a positive and significant effect on Indonesia's economic growth. Sukuk have a positive and significant effect on Indonesia's economic growth. Sharia mutual funds have a positive and insignificant effect on Indonesia's economic growth.
Pengaruh Rasio Keuangan Terhadap Return Saham pada Perusahaan Sektor Kesehatan yang Terdaftar Indeks Saham Syariah Indonesia Periode 2021-2024
Tujuan penelitian ini adalah untuk mengetahui pengaruh rasio keuangan terhadap return saham perusahaan sektor kesehatan yang terdaftar dalam Indeks Saham Syariah Indonesia, baik secara parsial maupun simultan. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan desain penelitian asosiatif. Teknik pengumpulan data yang digunakan adalah dokumentasi, sedangkan metode analisis data menggunakan regresi data panel. Sampel terdiri dari 16 perusahaan yang dipilih menggunakan purposive sampling. Hasil penelitian menunjukkan bahwa rasio likuiditas berpengaruh signifikan terhadap return saham dengan nilai 0,0013 < 0,05, solvabilitas berpengaruh dengan nilai 0,0356 < 0,05, dan rasio aktivitas juga berpengaruh dengan nilai 0,0463 < 0,05. Sementara itu, rasio profitabilitas dan nilai pasar tidak berpengaruh terhadap return saham, dengan nilai masing-masing 0,1107 dan 0,050, keduanya lebih besar dari 0,05. Secara simultan, rasio keuangan berpengaruh terhadap return saham dengan nilai 0,002875 < 0,05.
Pengaruh Pengetahuan Investasi, Manfaat Investasi dan Keamanan Terhadap Minat Investasi Emas Digital pada Generasi Z
Investasi emas menjadi pilihan menarik bagi investor karena memiliki risiko yang rendah, stabil dan tahan terhadap inflasi. Pekembangan teknologi dan keterbatasan emas fisik memicu pertumbuhan emas digital. Penelitian ini bertujuan untuk mengetahui pengaruh pengetahuan investasi, manfaat investasi dan keamanan terhadap minat investasi emas digital pada generasi Z di Kabupaten Kebumen. Objek dari penelitian ini adalah generasi Z yang berdomisili di Kabupaten Kebumen yang berusia 17-28 tahun. Pengambilan sampel dalam penelitian ini menggunakan teknik purposive sampling. Data yang digunakan dalam penelitian ini adalah data primer berupa kuesioner yang disebarkan secara online melalui google form kepada 100 responden. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan metode analisis regresi linier berganda, dengan alat bantu IBM SPSS versi 27. Hasil dari penelitian ini menunjukkan bahwa manfaat investasi dan keamanan secara parsial berpengaruh terhadap minat investasi emas digital. Sedangkan pengetahuan investasi tidak berpengaruh terhadap minat investasi emas digital. Kemudian berdasarkan uji simultan bahwa keseluruhan variabel independen berpengaruh terhadap variabel dependen. Nilai koefisien determinasi adalah (39,6%) yang artinya, 39,6% variasi pada minat investasi emas digital dipengaruhi oleh 3 variabel independen yaitu, pengetahuan investasi (X1), manfaat investasi (X2) dan keamanan (X3).
Dari Henna ke Kuteks Halal: Transformasi Estetika, Religiusitas, dan Budaya Konsumsi Muslimah
This article discusses the evolution of nail adornment practices, from the use of traditional henna to the emergence of modern halal nail polish that has become increasingly popular among Muslim women. The discussion not only highlights the changes in the forms and functions of decorating nails, but also explores how aesthetics and religiosity intersect, negotiate space, and shape contemporary Muslimah consumer culture. This study employs a qualitative approach using library research methods. Data were collected through an intensive review of academic books, journal articles, research reports, and other relevant literature. Through historical analysis and discourse examination, this article shows that the practice of nail adornment serves as a reflection of socio-religious changes occurring in the lives of middle-class Muslim women. They are not merely passive consumers but active agents who negotiate the meanings of piety, beauty, and practicality in their everyday lives. In this context, halal nail polish becomes a representation of the aspirations of modern Muslim women who wish to maintain an attractive appearance while upholding their spiritual commitments. Halal nail polish is thus positioned not only as a cosmetic product but also as a lifestyle choice and a symbol of identity.
Pengaruh Penyuluhan Pasar Modal di Lingkungan Pesantren dalam Upaya Transformasi Santri Melek Potensi Investasi
ABSTRACT As a center for the development of Islamic knowledge and the sharia economic ecosystem, Islamic boarding schools (Pondok Pesantren) have an important role in the development of contemporary sharia capital market literacy. The boarding school environment must be provided with sharia capital market literacy counseling in order to maximize the investment potential among boarding schools. The purpose of this research program is to provide Islamic investment knowledge among santri, so as to be able to produce santri investors in the future. A total of 1235 people have been successfully literated and 811 of them filled out a questionnaire which shows the results of most santri have understood the outline of sharian capital market and how to start investing. With various research limitations, the author concludes that santri still need to be given Islamic investment direction from competent investment managers. Keywords: Sharia Capital Market, Investment, Islamic Boarding School
Pengaruh Literasi Keuangan Syariah dan Bauran PemasaranTerhadap Keputusan Pembiayaan Mikro di BPRS Ihsanul Amal Gombong
ABSTRAK Penelitian ini bertujuan menguji pengaruh literasi keuangan syariah dan 7P (bauran pemasaran) terhadap keputusan nasabah dalam pembiayaan mikro di BPRS Ihsanul Aamal Gombong, menyoroti peran penting pemahaman prinsip islam dan strategi pemasaran Penelitian menggunakan pendekatan kuantitatif dengan data primer dari 100 nasabah melalui kuesioner. Analisis data dilakukan dengan serangkaian uji statistik mengunakan program IBM SPSS Versi 31. Hasil menunjukan bahwa, secara parsial maupun simultan, baik literasi keuangan syariah maupun 7P berpengaruh positif dan signifikan terhadap pengambilan keputusan nasabah. Kedua variable secara bersama-sama mampu menjelaskan 68,6% dari variabel pengambilan keputusan. Temuan ini menekankan bahwa peningkatan pemahaman syariah dan strategi pemasaran efektif adalah kunci pertumbuhan pembiayaan mikro BPRS
Analisis Faktor yang Mempengaruhi Keputusan Pembelian Busana Muslim secara Online: Peran Product Knowledge dan Online Customer Review
Penelitian ini dilatarbelakangi oleh pesatnya pertumbuhan e-commerce di Indonesia, yang mengharuskan konsumen membuat keputusan pembelian tanpa interaksi fisik dengan produk. Dalam konteks belanja online, khususnya busana muslim di Shopee, pengetahuan produk (product knowledge) dan ulasan pelanggan online (online customer review) menjadi pengganti krusial pengalaman langsung dan sangat memengaruhi keputusan pembelian. Tujuan utama penelitian ini adalah menganalisis pengaruh product knowledge dan online customer review terhadap keputusan pembelian busana muslim di marketplace Shopee di Kabupaten Kebumen periode 2021-2024. Penelitian ini menggunakan pendekatan kuantitatif dengan data dikumpulkan dari konsumen muslim di Kabupaten Kebumen yang memiliki pengalaman berbelanja busana muslim di Shopee. Hasil analisis statistik menunjukkan bahwa kedua variabel, baik secara individual maupun simultan, terbukti berpengaruh signifikan terhadap keputusan pembelian. Temuan ini menegaskan bahwa pemahaman yang baik tentang produk dan ulasan yang positif serta tepercaya akan meningkatkan dorongan konsumen untuk membeli. Secara simultan, product knowledge dan online customer review berkontribusi sebesar 80,2% dalam menjelaskan variasi keputusan pembelian. Kesimpulannya, dalam ekosistem e-commerce, penyediaan informasi produk yang lengkap dan pengelolaan ulasan pelanggan yang efektif adalah kunci keberhasilan penjualan. Temuan ini memberikan implikasi penting bagi pelaku bisnis online untuk mengoptimalkan strategi pemasaran digital mereka. Kata Kunci: Product Knowledge, Online Customer Review, Keputusan Pembelian, Busana Muslim, Shopee
Rasio Profitabilitas dan Solvabilitas dalam Memprediksi Pergerakan Harga Saham Saham-Saham LQ45 di Indeks Saham Syariah Indonesia
The trend of Sharia investment is increasingly in demand by the public, this can be seen from the increase in the number of SIDs registered with IDX Syariah. In investing, analysis is very important. One of the commonly used is Fundamental analysis, especially on the Profitability Ratio (ROA, ROE) and Solvency Ratio (DER) which are widely used as investors' views on investment prospects and risks in related companies. This study aims to determine the effect of ROA, ROE and DER on the fluctuations in the share price of LQ45 companies listed on ISSI 2022-2024 both partially and simultaneously. The theories used are Fundamental theory and signal theory. The method in the study uses a quantitative approach, to analyze financial data from 16 selected company samples for the 2022-2024 period. This study uses a correlational research design, and a data collection technique with documentation techniques, with the help of Microsoft Excel and Eviews12 to analyze the data. The results of the study partially had a negative effect on ROA with a tcal value of 2.961243>ttable 2.012895599 and a significance value of 0.0061<0.05, ROE had a positive effect with a tcal value of 2.479704>ttable 2.012895599, and a significant value of 0.0192<005. And DER had a negative effect with a tcal value of -2.406881>ttable 2.012895599 and a significance value of 0.0227<0.05. Meanwhile, simultaneously ROA, ROE, and DER have an effect on fluctuations in the share price of LQ45 companies listed on ISSI with a Fcal value of 54.22292>Ftable
Determinan Kepercayaan Nasabah Bank Syariah Indonesia KCP Kebumen: Tinjauan dari Kualitas Pelayanan, Citra Merek, dan Variasi Produk
This study analyzes the effect of service quality, brand image, and product diversity on customer trust in Bank Syariah Indonesia KCP Kebumen. The study employs an associative quantitative method, using purposive sampling with 100 respondents. Data were collected using questionnaires and analyzed through validity and reliability tests, descriptive analysis, classical assumption tests, multiple linear regression, and hypothesis testing. The results show that service quality has a positive and significant effect on customer trust, with a t-value of 2.964 > t-table 1.660 and a significance value of 0.004 < 0.05, making service quality the factor that most influences customer trust. Brand image has a positive but insignificant effect with a t-value of 1.779 > t-table 1.660 and a significance of 0.078 > 0.05, indicating that the brand image of BSI after the merger has contributed to shaping customer trust. Product diversity has a positive but insignificant effect with a t-value of 1.589 < t-table 1.660 and a significance of 0.115 > 0.05. Simultaneously, the three variables have a significant effect on customer trust with a calculated F value of 20.155 > F table 2.70 and significance of 0.000 < 0.05. The coefficient of determination (R²) value of 0.622 indicates that 38.6% of customer trust variation is explained by these three variables, while the remaining 61.4% is influenced by other factors outside this study.
: Service Quality, Brand Image, Product Diversity, Customer Trust, Islamic Banking
Penerapan Etika Bisnis Islam dalam Strategi Pengembangan Produk Guna Meningkatkan Daya Saing UMKM Kuliner di Kebumen
This study aims to analyze product development strategies to face competition in the Carabika traditional food industry in Klirong, Kebumen Regency, from the perspective of Islamic business ethics. This research is based on the increasingly fierce competition in the food industry, which requires entrepreneurs to be innovative while adhering to the principles of honesty, trustworthiness, intelligence, and openness as taught in Islamic business ethics. This study used a qualitative approach using observation, interviews, and documentation techniques with business owners. The results indicate that product development strategies include raw material innovation by replacing coconut milk and milk to increase product shelf life. Size adjustments to meet consumer demand, pre-launch market testing, and the use of attractive packaging. Strategies to face competition are implemented through competitive pricing, consistent distribution, and competitor monitoring. The application of Islamic business ethics is reflected in the values of siddiq, amanah, fathanah, and tabligh in production and marketing aspects.
Keywords: product development strategy, business competition, Islamic business ethics, Carabika
Analisis Strategi Pengembangan Usaha Ternak Ayam Broiler dalam Meningkatkan Pendapatan Peternak Perspektif Ekonomi Islam
This study aims to analyze the development strategies of broiler chicken farming businesses in increasing farmers' income from the perspective of Islamic economics. The background of this research is based on the importance of developing broiler chicken farming as one of the agribusiness sectors that has the potential to contribute significantly to the community's economy, particularly in improving the welfare of farmers. However, in practice, business development strategies should not only focus on profit but also consider the principles of Islamic economics such as good intention, honesty, trustworthiness (amanah), justice, and being free from elements of riba (usury), gharar (uncertainty), and maysir (speculation). The research method used is descriptive qualitative with a case study approach. Data were collected through in-depth interviews with broiler chicken farmers in Tugu Village, Buayan Subdistrict, Kebumen Regency,, as well as document analysis and field observations. The results of the study show that most farmers have implemented development strategies through improving production quality, financial management, and partnership cooperation. From the perspective of Islamic economics, it was found that values such as honesty, sincere intentions, and avoidance of riba have begun to be implemented in business activities, although not yet optimally. The conclusion of this study is that the development strategies of broiler chicken farming businesses can contribute to increasing farmers' income if carried out sustainably and in accordance with Islamic economic principles. Therefore, continuous guidance is needed so that livestock business actors can apply strategies that are not only economically productive but also aligned with Sharia values. Keywords: Development Strategy, Broiler Chicken, Income, Islamic Economics, Sharia Principles.
Analisis Determinant Keputusan Pembelian Online: Studi pada Program Diskon, Gratis Ongkir, dan Kemudahan Transaksi Toko Berkah Berlimpah
This research aims to analyze the influence of discount programs, free shipping, and ease of transactions on product purchasing decisions at the Berkah Abundant online shop located in Poncowarno District, Kebumen Regency. This research involved 61 respondents who had made purchases at the online shop. The data analysis used in this research is a quantitative analysis technique. The research results show that the discount program has no significant effect and even has a negative effect on product purchasing decisions at the Berkah Abundant online store with a value of tcount (-1.204) < ttable (1.670). and significant value (0.232) > 0.05. On the other hand, free shipping has a value of tcount (7.445) > ttable (1.670). and the significant value is (0.01) < (0.05) and the ease of transactions has a value of tcount (5.183) > ttable (1.670). and the significant value (0.01) < (0.05) is proven to have a positive and significant influence on purchasing decisions. Consumers are more likely to decide to buy when free shipping is offered and when the transaction process is easy and efficient. Marketing strategies that emphasize free shipping and easy transactions are more effective in increasing purchasing decisions compared to discount programs. Therefore, online store owners are advised to prioritize these two strategies to increase sales.
Analisis Strategi Pemasaran dalam Meningkatkan Keputusan Pembelian Konsumen pada Bisnis Khadijah Aqiqah Menurut Perspektif Ekonomi Islam
This study aims to analyze the marketing strategy in increasing consumer purchasing decisions at Khadijah Aqiqah, located in Surobayan Village, Ambal Subdistrict, Kebumen, from an Islamic economic perspective. The research employs a descriptive qualitative approach and field research, utilizing data collection techniques such as interviews and documentation. The data analysis techniques used include data reduction, data presentation, and conclusion drawing. The results of this research show that Khadijah Aqiqah's marketing strategy focuses on meeting the needs of Muslim consumers by offering practical, high-quality, and Sharia-compliant aqiqah services. Market segmentation encompasses geographical, demographic, psychographic, and behavioral aspects, with undifferentiated and differentiated targeting approaches. Promotion through social media and word-of-mouth marketing positively impacts consumer purchasing decisions. From the perspective of Islamic economics, the business adheres to Sharia principles, emphasizing values such as Shiddiq (honesty), Amanah (trustworthiness), Fathanah (intelligence), and Tabligh (communication), creating a fair and high-quality business practice. The study concludes that Khadijah Aqiqah's marketing strategy is effective in increasing purchasing decisions and aligns with Islamic economic principles.
Marketing strategy, purchasing decisions, Islamic economics, Khadijah Aqiqah.
THE INFLUENCE OF SHARIA STOCK AND SHARIA MUTUAL FUNDS ON NATIONAL ECONOMIC GROWTH PERIOD 2013-2023
This study aims to analyze the influence of Islamic stocks and Islamic mutual funds on economic growth for the period 2013-2023, both partially and simultaneously. This research uses a quantitative method with a multiple linear regression analysis model, the Error Correction Model (ECM), to observe both long-term and short-term effects. The results of this study show that in the long term, Islamic stocks have a positive and significant effect on economic growth, as evidenced by the t-statistic value (5.569023) > t-table value (2.018081703) and a probability value of 0.0000 < 0.05. In the short term, Islamic stocks do not have a posit ive or significant effect. In the long term, Islamic mutual funds have a positive and significant impact on economic growth, with a t-statistic value (8.905976) > t-table value (2.018081703) and a probability value of 0.0000 < 0.05. In the short term, Islamic mutual funds do not have a positive or significant effect. Simultaneously, in the long term, both Islamic stocks and Islamic mutual funds have a positive and significant impact on economic growth, with an F-statistic value of 80.39188, which is greater than the F-table value of 3.225684, indicating that F-statistic > F-table, and a significance level of 0.0000 < α (0.05). In the short term, simultaneously, Islamic stocks and Islamic mutual funds do not have a positive or significant effect.
National Economic Growth, Islamic Stocks, Islamic Mutual Funds
Green Economy Sebagai Strategi Dalam Meningkatkan Pertumbuhan Ekonomi Ditinjau dari Perspektif Ekonomi Syariah
The goal of this thesis is to examine the green economy as a strategy to increase economic growth from a sharia economic perspective. The research methodology was a qualitative literature review. Data was collected through books, scientific journals, research reports, encyclopedias, scientific articles, and other references related to the study theme. The Islamic economic approach is used to analyze strategies for increasing economic growth in accordance with Islamic economic principles such as justice and balance. The study's findings demonstrate how implementing green economy concepts can boost economic growth by reducing adverse environmental effects and improving resource efficiency. This approach is consistent with sharia economic objectives, which prioritise community welfare, social justice and preservation of natural resources.
Green Economy, economic growth, Sharia Economics
Pengaruh Konten Marketing, Live Streaming, Online Customer Review, dan Gaya Hidup Terhadap Keputusan Pembelian Produk Shopee di Kebumen
Penelitian ini bertujuan untuk mengetahui pengaruh konten marketing, live streaming, online customer review, dan gaya hidup terhadap keputusan pembelian produk shopee di Kebumen. Konten marketing adalah suatu strategi yang disusun untuk menarik audien baru dengan tujuan untuk menentukan keputusan pembelian. Live streaming adalah siaran langsung yang ditunjukan kepada banyak orang secara bersamaan dengan waktu kejadian aslinya. Online customer review adalah deskripsi dari pembeli sebelumnya berupa ulasan baik atau buruk, dan tulisan atau gambar. Gaya hidup mencerminkan opini seseorang yang sangat mempengaruhi perilaku pembelian dalam menentukan keputusan. Keputusan pembelian adalah niat konsumen untuk membeli barang yang didapat dari infotmasi terkait produk yang akan dibeli terlebih dahulu sampai tahap pembeli benar-benar membeli barang tersebut. Penelitian ini menggunakan pendekatan kuantitatif dengan metode asosiatif atau korelasi. Populasi penelitian ini adalah masyarakat Kabupaten Kebumen yang berumur 20-35 tahun dengan sampel sebanyak 100 responden. Teknik pengambilan sampel dengan teknik non-probability sampling dan memakai metode convenience sampling. Pengumpulan data menggunakan kuesioner dan dianalisis menggunakan analisis regresi linier berganda. Hasil penelitian menunjukan bahwa variabel konten marketing berpengaruh negatif dan signifikan terhadap keputusan pembelian produk shopee di Kebumen. Live streaming, online customer review, dan gaya hidup berpengaruh positif dan signifikan terhadap variabel keputusan pembelian produk shopee di Kebumen. Secara simultan variabel konten marketing, live streaming, online customer review, dan gaya hidup berpengaruh positif terhadap keputusan pembelian produk shopee di Kebumen. Kata Kunci : konten marketing, live streaming, keputusan pembelian
Strategi Penyelesaian Pembiayaan Bermasalah Berbasis Murabahah di KSPPS B MT NUKU Kebumen
This study aims to analyze the procedures for resolving problematic murabahah financing at KSPPS BMT NUKU Kebumen. As a sharia financial institution, KSPPS BMT NUKU faces challenges in managing customers who experience delays or fail to meet their financial obligations. Through a descriptive qualitative approach, this research explores sharia-based settlement methods, including a family-oriented approach, issuing a series of warning letters, financing restructuring, and legal action as a last resort. Data were collected through in-depth interviews, observations, and documentation. The findings indicate that procedures based on deliberation and restructuring are the most effective methods for resolving problematic financing, although challenges exist in the customers' understanding of their responsibilities. This study also identifies both internal factors, such as weaknesses in credit analysis, and external factors, such as macroeconomic conditions, as contributing causes. Therefore, it is recommended to improve the quality of credit analysis and customer financial literacy. This research is expected to contribute to the literature on sharia finance and serve as a reference for best practices for other sharia financial institutions in managing problematic financing effectively.
Problematic Financing, Murabahah, Resolution Procedures, Sharia Finance.
Efektivitas Pemberdayaan Ekonomi Pesantren Dalam Perspektif Ekonomi Islam
Penelitian ini bertujuan untuk mengetahui efektivitas pemberdayaan ekonomi pesantren dalam perspektif ekonomi Islam (Studi Pondok Pesantren Al-Istiqomah Tanjungsari Petanahan Kebumen). Penelitian ini menggunakan penelitian lapangan dengan metode kualitatif. Metode pengumpulan data yang digunakan melalui observasi, wawancara dengan penanggungjawab dan karyawan yang mengelola unit usaha yang berada di pondok pesantren Al-Istiqomah dan dokumentasi. Teknik analisis datanya menggunakan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian pemberdayaan ekonomi pondok pesantren Al-Istiqomah Petanahan Kebumen melalui unit usaha Yapika Mart sudah berjalan efektif. Pemberdayaan ekonomi di pondok pesantren Al-Istiqomah telah sesuai dengan ekonomi Islam, yaitu pada indikator efektivitas ketetapan sasaran program, sosialisasi program dan pemantauan program sudah berjalan efektif, namun pada indikator tujuan program cukup efektif. Dan melalui empat Prinsip yaitu prinsip keadilan, prinsip kesamaan, prinsip pertisipasi dan prinsip tolong menolong.
Effectiveness, economic empowerment, Islamic boarding school
Pengaruh Dana Pihak Ketiga (DPK), Total Aset, Non Performing Financing (NPF) dan Ekonomi Makro terhadap Profitabilitas Bank Umum Syariah di Indonesia
This study aims to analyze the effect of Third Party Funds, Total Assets, Non Performing Financing (NPF), Gross Domestic Product (GDP), and BI-Rate on profitability at Islamic Commercial Banks in Indonesia for the period 2019-2023. The method used is a quantitative method. Using panel data (time-series and cross section) obtained from the official website of the Financial Services Authority. The analysis used is Descriptive Statistical Analysis, Panel Data Analysis consisting of the Chow Test, Hausman Test, Lagrange Multiplier Test, Classical Assumption Test consisting of Multicollinearity Test, Heteroscedasticity Test, Multiple Linear Regression, Hypothesis Test consisting of Partial Test (t Test), Simultaneous Test (f Test) and Coefficient of determination. Based on the results of the data processing test, it shows that Third Party Funds partially have a negative and significant effect on profitability. While Total Assets partially have a positive and significant effect on profitability. Non Performing Financing partially has a negative and significant effect on profitability. Gross Domestic Product partially has a negative and significant effect on profitability. BI-Rate partially has a positive and significant effect on profitability. And Third Party Funds , Total Assets, Non Performing Financing, Gross Domestic Product and BI-Rate have a positive and significant effect simultaneously on profitability.
Third Party Funds (TPF), Total Assets, Non Performing Financing (NPF), Gross Domestic Product (GDP), BI-Rate and Profitability
Analisis Pengaruh Brand Trust, Custemer Experiance, dan Kualitas Pelayanan Terhadap Kepuasan Pelanggan Toko Grosir Al Amin Gombong
This research aims to analyze the influence of brand trust, customer experience, and service quality on customer satisfaction at Al Amin Gombong Wholesale Store. Data were collected through non-probability sampling techniques using saturated samples by distributing questionnaires to 60 respondents and analyzed using quantitative methods with multiple linear regression analysis. This data analysis was processed using IBM SPSS Statistics 25. The research results indicate that: 1) Brand trust has a significant positive effect on customer statisfaction with a significance value of 0,000 and a t-value of 28,333; 2) Customer experience has a significant negative effect on customer statisfaction with a significance value of 0,047 and a t-value of -2,034; 3) Service quality has a significant positive effect on customer statisfaction with a significance value of 0,030 and a t-value of 2,230; finally 4) Brand trust, customer experience, and service quality simultaneously affect customer statisfaction with a significance value of 0,000 , an f-value of 24,756 and contribute an influence of 57% on customer statisfaction. This research provides important insights for strategies to enhance customer satisfaction at Al Amin Gombong wholesale store.
brand trust, customer experience, service quality and customer satisfaction
Pengaruh Literasi Keuangan, Motivasi Investasi dan Modal Minimal Terhadap Keputusan Investasi pada Mahasiswa di Kebumen
This study aims to determine the effect of financial literacy, investment motivation and minimum capital on student investment decisions in Kebumen. Researchers use a quantitative approach, in which the observed symptoms are converted into numbers. Data collection techniques using questionnaires distributed through the googleform application distributed to 60 respondents who are students in Kebumen. This research method uses quantitative methods with multiple linear regression analysis which is processed using IBM SPSS Statistic 24. Partial test results show that financial literacy and minimum capital have a significant effect on investment decisions, this is evidenced by the significant value of 0.00 <0.05 and the tcount of 4.535> 2.003 for financial literacy and for minimum capital a significant value of 0.00 <0.05 and tcount of 2.193> 2.003. Simulatanly, there is an influence of financial literacy, investment motivation and minimum capital on investment decisions, this is evidenced by the significant value of 0.000 <0.05 and fcount 46.219> 2.29 and contributes an influence of 69.7% on investment decisions. Meanwhile, the results of the investment motivation test show that there is no significant effect on investment decisions, this is evidenced by the tcount of 0.677 < 2.003 and a significant value of 0.501 < 0.05.
Financial literacy, investment motivation, minimum capital, and investment decisions
Pengaruh Produk Domestik Regional Bruto Sektoral, Inflasi, dan Pertumbuhan Ekonomi Terhadap Ketimpangan Pendapatan di Pulau Jawa
One of the problems in developing countries is income inequality. Java Island as the center of economic mobility has a different economic structure in each province with the acquisition of the resulting sectoral Gross Regional Domestic Product. This study aims to determine the effect of primary sector GRDP, secondary sector GRDP, tertiary sector GRDP, inflation, and economic growth on income inequality in Java Island for the period 2015-2022. This research uses a quantitative approach with saturated sample technique and uses cross section data of six provinces in Java Island. The data analysis technique used is panel data regression with the Fixed Effect Model (FEM) model. The results of this study indicate that secondary sector GRDP has a negative and significant influence on income inequality. This shows that an increase in secondary sector GRDP can reduce income inequality in Java Island. Inflation has a positive and significant effect on income inequality, which means that an increase in inflation can worsen income inequality. while primary sector GRDP, tertiary sector GRDP, and economic growth have no significant effect on income inequality in the 2015-2022 period in Java Island.
Sectoral GRDP, Inflation, Economic Growth, Income Inequality
Analis Sentiment Antara Opini Pengguna Twitter dan Pergerakan Saham BCA di Pasar Modal Indonesia
Twitter has become a very important platform for stock traders and investors around the world, including in large countries like America. They rely on Twitter to access valuable information, similar to using Bloomberg terminals. While Twitter provides valuable insights, there are also negative aspects such as the spread of false information. Sentiment around shares shared on Twitter continues to grow, this encourages researchers to conduct research with the aim of providing better insight into how sentiment on Twitter social media can influence the movement of the BCA stock capital market in Indonesia. This research uses a data collection process method carried out by crawling Twitter data using tweet harvest, then the data is preprocessed with the aim of cleaning the tweet data so that it can be ready for further analysis stages, the data that has been collected is labeled according to the specified categories, then the results of the labeling are analyzed and reviewed in accordance with developments in BCA share prices in Indonesia. The analysis results show that sentiment on social media can have a significant impact on the capital market. Where in sentiment analysis, the highest number of data with positive labels was obtained, namely 635 tweet data (63.5%). The negative label has a total of 102 tweet data (10.2%), while the neutral label has the lowest number, namely 256 tweet data (25.6%). From this amount of data, it can be concluded that positive sentiment has a high frequency, while neutral and negative sentiment has a lower frequency.
Analisis Sentimen, Media Sosisl, Twitter, Pasar Modal, Saham BCA.
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