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Peranan Keuangan Mikro Syariah dalam Pemberdayaan UMKM di Gunung Kidul, Yogyakarta 伊斯兰小额信贷在日惹 Gunung Kidul 中小微企业赋权中的作用
Pub Date : 2024-06-03 DOI: 10.59024/jise.v2i3.779
Ikhcan Dwi Cahyono, Darmawan
This study aims to investigate the role of Islamic microfinance in empowering and improving the performance of Micro, Small, and Medium Enterprises (MSMEs) in Gunung Kidul, Yogyakarta. Islamic microfinance has become a major focus in efforts to support inclusive and sustainable economic growth, especially in the context of MSMEs in Indonesia. The research framework includes independent variables in the form of Islamic microfinance, mediating variables in the form of MSME empowerment, dependent variables in the form of MSME performance, and moderating variables involving external factors. The research method used is a cross-sectional survey with primary data collection through questionnaires. Data analysis was carried out using multiple regression techniques to test the relationship between variables and the moderating effect. The results of the study are expected to provide a deeper understanding of the impact of Islamic microfinance on MSME empowerment and performance, as well as its implications for the development of policies and business practices at the local level. The findings of this study are expected to provide a significant contribution to efforts to increase financial inclusion and sustainable economic growth in the Gunung Kidul area, Yogyakarta, and become a reference for further research in this field.
本研究旨在探讨伊斯兰小额信贷在增强日惹古农基杜尔(Gunung Kidul)微型、小型和中型企业(MSMEs)的能力并提高其绩效方面所发挥的作用。伊斯兰小额信贷已成为支持包容性和可持续经济增长的主要重点,尤其是在印尼中小微企业的背景下。研究框架包括伊斯兰小额信贷形式的自变量、微小中型企业赋权形式的中介变量、微小中型企业绩效形式的因变量以及涉及外部因素的调节变量。采用的研究方法是横截面调查,通过问卷收集原始数据。数据分析采用多元回归技术,以检验变量之间的关系和调节效应。研究结果有望让人们更深入地了解伊斯兰小额信贷对中小微企业赋权和绩效的影响,以及对地方一级政策和商业实践发展的影响。本研究的结果有望为日惹古农基杜尔地区提高金融包容性和可持续经济增长做出重要贡献,并为该领域的进一步研究提供参考。
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引用次数: 0
Pengaruh Upah Kerja Terhadap Beban Kerja Pada Pekerja Usia 18 - 25 Tahun 工资对 18-25 岁工人工作量的影响
Pub Date : 2024-06-03 DOI: 10.59024/jise.v2i3.773
Khaila Deska Nuvie, Nadira Ash Shabilla, Rismawati Nurraihani, Eka Devi Trisnawati, Riyani Rahayu, Saridawati
Wages or salaries are financial rewards that workers receive as compensation for their efforts in the production process. According to various sources, workload is defined as the number of activities or responsibilities that must be completed in a certain time. This research used a quantitative approach by distributing questionnaires to 31 respondents taken randomly via social media. The data obtained was analyzed using simple linear regression analysis to determine the relationship between work wages (variable X) and workload (variable Y). This research makes an important contribution to understanding the relationship between wages and workload among young workers. The practical implication of this research is the need to improve the wage system that is fairer and more balanced with workload to increase worker productivity and welfare. Apart from that, it is hoped that the results of this research can be used as consideration for policy makers in formulating better and fairer employment policies. Keywords: Wages, Workload
工资或薪金是工人在生产过程中付出努力后获得的经济回报。根据各种资料,工作量被定义为在一定时间内必须完成的活动或责任的数量。本研究采用定量方法,通过社交媒体向随机抽取的 31 名受访者发放问卷。获得的数据通过简单的线性回归分析来确定工作工资(变量 X)和工作量(变量 Y)之间的关系。这项研究为了解青年工人的工资与工作量之间的关系做出了重要贡献。这项研究的实际意义在于,有必要改进工资制度,使其更加公平,并与工作量更加平衡,以提高工人的生产率和福利。除此以外,我们还希望本研究的结果能为政策制定者在制定更好、更公平的就业政策时提供参考。关键词工资、工作量
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引用次数: 0
Transformasi Pola Konsumsi Makro Ekonomi di Era Digitalisasi: Analisis Peluang dan Tantangan 数字化时代宏观经济消费模式的转变:机遇与挑战分析
Pub Date : 2024-01-04 DOI: 10.59024/jise.v2i1.558
Bayu Dian, A. Wibowo, K. Abdurrahman, Wahid Pekalongan, Naily Taufiqoh, Muhammad Taufiq Abadi, Jl. Pahlawan, Rowolaku Kajen, Kabupaten Pekalongan
The objectives of this study include: (1) To find out the transformation of macroeconomic consumption in the digitalization era. (2) To find out the opportunities for macroeconomic consumption in the digitalization era. (3) To find out the challenges of macroeconomic consumption in the digitalization era. This type of research uses field research. The method used in this research uses a qualitative approach. Data collection analysis uses interview analysis, literature study, and literature study. The results of interviews with Sharia Economics students of UIN K.H. Abdurrahman Wahid Pekalongan regarding the transformation of macroeconomic consumption in the digitalization era show a significant impact on economic growth, income distribution, and industrial structure. In addition to pointing out the great opportunities in the digital era, such as increased operational efficiency and market access, it also discusses the challenges faced, such as inequality of internet access and the possibility of job loss. Discussions also addressed positive impacts, such as innovation and economic growth, as well as negative impacts, such as the digital divide and income distribution. To ensure a fair and sustainable impact of digitization in the long run, the importance of balanced regulation, consumer protection, and data security was emphasized.
本研究的目标包括(1) 发现数字化时代宏观经济消费的转变。(2) 发现数字化时代宏观经济消费的机遇。(3) 发现数字化时代宏观经济消费面临的挑战。这类研究采用实地调研的方法。本研究采用的方法是定性方法。数据收集分析采用访谈分析、文献研究和文献研究。就数字化时代的宏观经济消费转型问题,对阿卜杜拉赫曼-瓦希德-北加龙干大学伊斯兰教法经济学专业学生的访谈结果显示,数字化时代的宏观经济消费转型对经济增长、收入分配和产业结构产生了重大影响。除了指出数字化时代的巨大机遇,如提高运营效率和市场准入,还讨论了面临的挑战,如互联网接入的不平等和失业的可能性。讨论还涉及创新和经济增长等积极影响,以及数字鸿沟和收入分配等消极影响。为确保数字化的长期公平和可持续影响,与会者强调了平衡监管、消费者保护和数据安全的重要性。
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引用次数: 0
Makna Konsep Uang dan Permasalahan Riba serta Bunga Dalam Kacamata Makroekonomi Islam 从伊斯兰宏观经济角度看货币概念的含义以及高利贷和利息问题
Pub Date : 2024-01-04 DOI: 10.59024/jise.v2i1.560
Hilda Adistya, Mila Minkhatul Maula, Muhammad Taufiq Abadi, KM Jl.Pahlawan, Kajen Kabupaten, Pekalongan Jawa, Tengah Indonesia
In the early days, before the creation of money, economic activities or business transactions were carried out through barter or commonly called barter trade. In the exchange process, goods and services were exchanged directly with other goods and services that were mutually needed by the parties involved. At the macro level itself, the parties involved in the production of goods and services can easily and smoothly exchange goods and services by using money as an intermediary. Meanwhile, the domestic sector that receives income in the form of money uses the money to buy goods and services produced by the commercial and manufacturing sectors. It is the changes in these cash flows that cause changes in prices and/or production quantities, for example. It also affects saving behavior, investment and the business cycle. The method in this study is to use a type of qualitative descriptive research. The purpose of this study is to understand and explore the concept of money in Islamic macroeconomics that does not contradict Islamic law.
在货币产生之前的早期,经济活动或商业交易是通过以物易物或通常称为易货贸易的方式进行的。在交换过程中,商品和服务直接与相关各方共同需要的其他商品和服务进行交换。就宏观层面本身而言,参与商品和服务生产的各方可以利用货币作为中介,轻松、顺利地交换商品和服务。同时,以货币形式获得收入的国内部门使用货币购买商业和制造业部门生产的商品和服务。正是这些现金流的变化导致了价格和/或生产数量的变化等。它还会影响储蓄行为、投资和商业周期。本研究采用的方法是定性描述研究。本研究的目的是了解和探讨伊斯兰宏观经济学中的货币概念,但不违背伊斯兰教法。
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引用次数: 0
PERAN DANA SOSIAL (WAQF) DALAM MENDORONG PERTUMBUHAN EKONOMI DAN PENGENTASAN KEMISKINAN DI NEGARA-NEGARA MUSLIM 伊斯兰宗教基金在促进穆斯林国家经济增长和减贫方面的作用
Pub Date : 2024-01-04 DOI: 10.59024/jise.v2i1.554
Camelia, Minhatus Sania, Dava Dhito Sasiaji, Muhammad Taufiq Abadi
The welfare of Islamic countries is always in the spotlight. It is recorded that around 27.2 percent of the total population of Islamic countries has an income of around 15 thousand rupiah. This illustrates that Islamic countries experience economic difficulties compared to other countries in the world. One of the instruments in efforts to encourage economic growth and efforts to eradicate poverty in Muslim countries in particular is through social funds (waqf). Waqf is one of the instruments in improving economic welfare and alleviating poverty. The research we conducted aims to examine the extent of the role of waqf in realizing the economic welfare of society and the country's economy. The method used in this research is a qualitative method with a literature study approach by taking relevant sources as references for the research we conducted. The research we conducted showed that social funds (waqaf) have a very big role in efforts to alleviate poverty in Islamic countries. One way is the cash waqf approach, although it has not been used optimally, cash waqf has a role in reducing poverty. The government's role is also very important in controlling waqf social funding institutions.
伊斯兰国家的福利一直是人们关注的焦点。据记录,伊斯兰国家总人口中约有 27.2%的人收入在 1.5 万卢比左右。这说明,与世界其他国家相比,伊斯兰国家经济困难重重。在穆斯林国家,鼓励经济增长和消除贫困的手段之一是社会基金(waqf)。宗教基金是改善经济福利和减轻贫困的手段之一。我们的研究旨在探讨宗教基金在实现社会经济福利和国家经济方面的作用程度。本研究采用的方法是定性研究法和文献研究法,以相关资料作为研究参考。我们的研究表明,社会基金(waqaf)在伊斯兰国家的扶贫工作中发挥着非常重要的作用。其中一种方法是现金宗教基金方法,尽管这种方法没有得到最佳利用,但现金宗教基金在减少贫困方面发挥了作用。政府在控制宗教基金社会资助机构方面的作用也非常重要。
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引用次数: 0
PERAN DANA INFAK DAN SEDEKAH DALAM MENINGKATKAN KESEJAHTERAAN SOSIAL DALAM PERSPEKTIF EKONOMI MAKRO ISLAM 从伊斯兰宏观经济学的角度看 infaq 和 sadaqah 基金在改善社会福利方面的作用
Pub Date : 2024-01-04 DOI: 10.59024/jise.v2i1.556
Uktafi Karunia, Fakultas Ekonomi, Bisnis Islam, U. K. Abdurrahman, Wahid Pekalongan, Maya Ari Sofiana, Khasna Maulida, M. Taufiq, Abadi Fakultas, Ekonomi Dan, Jl. Pahlawan, Rowolaku Kajen, Kabupaten Pekalongan
The aim of this research is to determine the role of infaq and alms funds in improving social welfare from an Islamic macro perspective. This research uses a qualitative method with a qualitative descriptive approach. The main technique in this research is to collect data using a literature review technique which is a technique for collecting several articles which will be used as a reference by the author in preparing the article. The results obtained from this research are that infaq and alms activities have a religious purpose in overcoming social problems. Infaq and alms funds not only play a role in social life, but also support economic growth and strengthen social, economic and spiritual aspects in society in accordance with Islamic principles.
本研究旨在从伊斯兰宏观角度确定 infaq 和施舍基金在改善社会福利方面的作用。本研究采用定性描述法。本研究的主要技术是使用文献综述技术收集数据,这是一种收集多篇文章的技术,作者在撰写文章时将参考这些文章。本研究得出的结果是,infaq 和施舍活动在克服社会问题方面具有宗教目的。伊法克和施舍基金不仅在社会生活中发挥作用,而且还支持经济增长,并根据伊斯兰原则加强社会的社会、经济和精神方面。
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引用次数: 0
ANALISIS PEREKONOMIAN EMPAT SEKTOR : DAMPAK EKSPOR DAN IMPOR TERHADAP PERTUMBUHAN EKONOMI 四个部门的经济分析:进出口对经济增长的影响
Pub Date : 2024-01-04 DOI: 10.59024/jise.v2i1.557
M. Irfan, Rizqi Uin, K. Abdurrahman, Wahid Pekalongan, U. K. Abdurrahman, Mala Millatina, M. Taufiq, Abadi Uin, Marfita Hikmatul Aini, Jalan Pahlawan, Rowolaku Kajen, Kabupaten Pekalongan, Kode Pos
This journal analyzes the economic dynamics of 4 sectors with a focus on the influence of exports and imports. Through sectoral data analysis, this study identifies the role of each sector in driving export activity and its impact on the national economy. The findings highlight the complexity of the relationship between exports, imports, and economic growth, while exploring strategies to optimize the contribution of these sectors. The policy implications of the findings look towards sustainable economic development by taking into account the dynamic interaction between exports and imports in a 4-sector economy. The impact of exports and imports on economic growth in Indonesia is very large because exports are one of the sources of state income and from import activities the state can get goods that do not yet exist or are lacking in the country to meet the needs of the community. The analysis highlights the positive contribution of exports to economic growth, while the impact of imports is complex and requires careful handling. The policy implications of these findings are discussed in light of efforts to increase exports and manage imports to support sustainable economic growth in Indonesia.
本期刊分析了 4 个部门的经济动态,重点关注出口和进口的影响。通过部门数据分析,本研究确定了各部门在推动出口活动方面的作用及其对国民经济的影响。研究结果凸显了出口、进口和经济增长之间关系的复杂性,同时探讨了优化这些部门贡献的战略。研究结果的政策影响着眼于通过考虑 4 部门经济中出口和进口之间的动态互动来实现经济的可持续发展。出口和进口对印尼经济增长的影响非常大,因为出口是国家收入的来源之一,而从进口活动中,国家可以获得国内尚不存在或缺乏的商品,以满足社会需求。分析强调了出口对经济增长的积极贡献,而进口的影响则十分复杂,需要谨慎处理。鉴于印尼正努力增加出口和管理进口,以支持经济的可持续增长,我们讨论了这些研究结果的政策影响。
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引用次数: 0
KONSEP TABUNGAN DAN INVESTASI 储蓄和投资概念
Pub Date : 2024-01-04 DOI: 10.59024/jise.v2i1.559
Raiha Ravitta, Putri Fakultas, Ekonomi Dan, Bisnis Islam, U. K. Abdurrahman, Wahid Pekalongan, Sekar Arumandani, Fakultas Ekonomi, M. Taufiq, Abadi Fakultas, KM Jl.Pahlawan, Kajen Kabupaten, Pekalongan Jawa, Tengah Indonesia
This research aims to investigate the relationship between savings and investment theory in the concept of economic growth. Savings and investment theory are two main elements in macroeconomi analysis that play an important role in determining the level of economic growth of a country. This research explores the impact of the interaction between savings and investment levels on economie growth. In both conventional and Islamic economic contexts, savings and investments are importan inancial instruments in managing personal finances, supporting economic growth, and achieving the inancial goals of individuals and society as a whole. However, in Islamic economics, both must comply with Sharia principles to create economic justice and religious obedience. reserves of funds that can be used for future consumption or investment. Meanwhile, in Islamic economics, sharia-based savings must comply with sharia principles which prohibit usury and transactions involving haram elements. The goals of savings in Islam include sharia compliance, financial security, and distribution of wealth to the needy.
本研究旨在探讨经济增长概念中储蓄与投资理论之间的关系。储蓄和投资理论是宏观经济分析中的两大要素,在决定一国经济增长水平方面发挥着重要作用。本研究探讨了储蓄和投资水平之间的相互作用对经济增长的影响。在传统经济和伊斯兰经济中,储蓄和投资都是管理个人财务、支持经济增长、实现个人和社会整体财务目标的重要金融工具。然而,在伊斯兰经济学中,两者都必须遵守伊斯兰教法原则,以实现经济正义和宗教服从。同时,在伊斯兰经济学中,以伊斯兰教法为基础的储蓄必须符合伊斯兰教法的原则,即禁止高利贷和涉及有害因素的交易。伊斯兰储蓄的目标包括遵守伊斯兰教法、金融安全以及将财富分配给有需要的人。
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引用次数: 0
Perkembangan Ekonomi di Indonesia Melalui Kebijakan Moneter Syariah 通过伊斯兰货币政策促进印度尼西亚的经济发展
Pub Date : 2024-01-04 DOI: 10.59024/jise.v2i1.555
Kaila Zulfa Khoirurrizki, Putri Karina Sabila, Zakia Khoirunisa, M. Taufiq Abadi
The Islamic economic system can contribute to world economic growth, including in Indonesia. The purpose of this article is to analyze monetary policy in Indonesia from an Islamic economics perspective. This research examines monetary policy instruments, namely open market operations, with the aim of encouraging economic growth and stabilizing inflation. The method used is a literature review in three main journals and several articles in national and international journals about Islamic finance. The main focus of this research is monetary policy in Indonesia, which has a significant impact on the country's economic growth. The Islamic economic system can contribute to world economic growth, especially in Indonesia.
伊斯兰经济体系可以促进世界经济增长,包括印度尼西亚的经济增长。本文旨在从伊斯兰经济学的角度分析印度尼西亚的货币政策。本研究探讨了以鼓励经济增长和稳定通货膨胀为目的的货币政策工具,即公开市场操作。所采用的方法是对三大期刊上的文献以及国内和国际期刊上有关伊斯兰金融的几篇文章进行综述。本研究的重点是印度尼西亚的货币政策,它对该国的经济增长有重大影响。伊斯兰经济体系可以为世界经济增长做出贡献,尤其是在印尼。
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引用次数: 0
STRATEGI PERCETAKAN UNTUK MENGATASI LONJAKAN PERMINTAAN SELAMA MUSIM PEMILU. STUDI KASUS DARI INDUSTRI PERCETAKAN BANDUNG 应对选举季需求激增的印刷战略。万隆印刷业案例研究
Pub Date : 2024-01-04 DOI: 10.59024/jise.v2i1.552
Ageng Saepudin Kanda, Anwar Maulana
Elections are an important moment in the democratic life of a country, when citizens have the opportunity to choose their own leaders and representatives. The campaigns carried out play a role in printing which plays an important role in delivering campaign materials such as leaflets, posters, banners and booklets. Therefore, now that it is the digital era, many printing industries are also facing various challenges and intense competition with their competitors. Then, in terms of marketing, the printing industry must pay attention to its strengths and threats, such as environmental, technological and other factors in facing this election. Therefore, the research that will be carried out aims to examine the marketing strategies used by the printing industry so that it can outperform the competition and what strategies will be implemented if there is a surge in demand. The method used for this research is a qualitative method, which means the researcher analyzes in detail a problem with the printing industry. The researcher used observation and interview techniques for data collection techniques in the printing industry so that they could analyze and collect data in detail. The results of this research are that the MD Draftika printing industry took part in the auction conducted by the KPUD by choosing the place, time and maximum promotion on social media. As a strategy to deal with the surge in demand, MD Draftika made changes to operational hours, added machine technology, added temporary additional employees and maximized supplies of raw materials from suppliers. Keywords: Election, Printing, Strategy, Marketing, Media.
选举是一个国家民主生活的重要时刻,公民有机会选择自己的领导人和代表。竞选活动的开展离不开印刷,而印刷在提供传单、海报、横幅和小册子等竞选材料方面发挥着重要作用。因此,现在是数字化时代,许多印刷行业也面临着各种挑战和与竞争对手的激烈竞争。那么,在市场营销方面,印刷业在面对这次选举时就必须注意自身的优势和威胁,如环境、技术和其他因素。因此,我们将开展的研究旨在探讨印刷业为在竞争中胜出而采取的营销策略,以及在需求激增的情况下将采取的策略。本研究采用的方法是定性方法,即研究人员详细分析印刷业存在的问题。研究人员使用观察和访谈技术来收集印刷业的数据,以便详细分析和收集数据。研究结果表明,MD Draftika 印刷业通过选择地点、时间和在社交媒体上最大限度的宣传,参与了 KPUD 举行的拍卖会。作为应对需求激增的策略,MD Draftika 改变了营业时间,增加了机器技术,临时增加了员工,并最大限度地从供应商处获得原材料供应。关键词选举 印刷 战略 营销 媒体
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引用次数: 0
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JURNAL EKONOMI BISNIS DAN MANAJEMEN
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