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Interaction and Contribution of Money Supply, Unemployment, Economic Growth, Sharia and Conventional Monetary Instruments to Inflation Hasibuan, Indra Mualim; Batubara, Maryam; Bi Rahmani, Nur Ahmadi
MediaTrend Vol 19, No 1 (2024): MARET
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v19i1.25273

Abstract

Controlling inflation to create economic stability is an absolute must for the government. However, there are challenges to creating stable inflation, including the existence of variables in the money supply, unemployment and economic growth which have an impact on creating inflation. In an effort to overcome these challenges, the government uses sharia and conventional monetary instruments to control inflation. In 2022, the improvement in the Indonesian economy after the Covid 19 pandemic will actually create the highest inflation in recent years. The aim of this research is to determine the interaction and contribution of Money Supply, Unemployment, Economic Growth, Government Sharia Securities, Islamic Interbank Money Market, Bank Indonesia Certificate, and Interbank Money Market to Inflation using monthly data from 2015-2022. This research is quantitative research using the VECM method with the help of E-Views software. Research results: Money Supply has a negative and insignificant effect on Inflation, Unemployment and Economic Growth have a positive and insignificant effect on Inflation, SBSN has a negative and insignificant effect on inflation, PUAS has a negative and significant effect on Inflation, SBI and PUAB have a positive and insignificant effect against inflation. The implication of the research is that the monetary authority, in this case Bank Indonesia, as the institution authorized to control inflation, is to prioritize the SBSN and PUAS monetary instruments to control inflation. Research limitations include only using a few monetary instruments, due to limited data available on various government websites for several years. Keywords: Inflation, Money Supply, Unemployment, Economic Growth, SBSN, PUAS, SBI, PUAB
Evaluating customer eligibility for consumptive financing: A scoring system approach Nurlita, Okky Budi; Marliyah, Marliyah; Bi Rahmani, Nur Ahmadi
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1439

Abstract

This research investigates how Syariah Bank evaluates consumer financing customers using a scoring system to ensure appropriate assessments for financing approvals. By analyzing customer eligibility, the bank aims to minimize financing risks, enhance efficiency, and maintain stability, which can lead to increased consumer financing. The study uses descriptive qualitative methods to gather data through observation, interviews, and case studies at a Syariah Bank in Medan City. Findings emphasize the importance of assessing customer suitability for the effective functioning of the bank's financing system. The study identifies civil servant employees with salaries deposited in the bank as preferred candidates for consumptive financing. A well-implemented scoring system can reduce bad debt risks and boost customer confidence in financing transparency. Additionally, it encourages future studies to create more adaptive scoring models in response to evolving consumer behavior and economic conditions. Public interest statements This study's results are expected to significantly contribute to the banking sector, especially in improving the effectiveness of customer eligibility assessment through a scoring system. With proper implementation, this system can minimize the risk of bad debts and increase customer confidence in the transparency and accuracy of financing assessments. Article Info: Received 6/29/2024 | Revised: 9/16/2024 | Accepted: 9/19/2024 | Online First 9/27/2024
Analysis of Relocation, Infrastructure and Islamic Business Ethics on Consumer Decisions through Consumer Behavior at Pasar Baru Mandailing Natal Nasution, Rizka; Batubara, Maryam; Bi Rahmani, Nur Ahmadi
Journal La Sociale Vol. 5 No. 5 (2024): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v5i5.1344

Abstract

This research aims to analyze the influence of trader relocation, market infrastructure, and Islamic business ethics on consumer decisions and satisfaction at Pasar Baru Mandailing Natal. The research methods used involved surveys, interviews, and path analysis. Research findings show that trader relocation, supported by adequate infrastructure and the application of Islamic business ethics, together create a better trading environment and positively influence consumer decisions and satisfaction. The results of path analysis show that these three factors interact with each other and contribute to shaping consumer perceptions and behavior. The practical implications of this research include the importance of effective communication during the relocation process, sustainable investment in market infrastructure, the implementation of Islamic business ethics as a standard, and a holistic approach to market management.
Analisis Pengembangan Usaha Rumahan Berbasis Green Business untuk Meningkatkan Pendapatan Keluarga di Kabupaten Deli Serdang Nasution, Amalia; Yafiz, Muhammad; Bi Rahmani, Nur Ahmadi
BALANCE: Economic, Business, Management and Accounting Journal Vol 20 No 2 (2023): Juli
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v20i2.18705

Abstract

ABSTRACTThe development of green business-based home businesses is rare due to a lack of understanding of the meaning of protecting nature and a lack of skills in processing it. A green business-based home business product is a business that starts from the selection of raw materials and the production process to a product that will not damage the environment. In other words, the raw materials for manufacture are natural waste products that are processed and utilized to become an economic value to increase family income. The research objective is to determine the development of green business-based home-based businesses in Deli Serdang on their income level. The researcher used a qualitative method by going directly to the field to conduct observations and interviews with each business owner at four different places of business. The result of this research is that developing a green home-based home-based business by utilizing natural raw materials can generate family or community income. Even so, protecting wildlife is not just the responsibility of every business owner but a shared responsibility for the benefit of individuals and groups.ABSTRAK Pengembangan usaha rumahan yang berbasis green business saat ini jarang ditemui dikarenakan, kurangnya pemahaman tentang arti menjaga alam dan juga kurangnya ketrampilan dalam mengolahnya. Produk usaha rumahan berbasis green business adalah sebuah bisnis yang mulai dari pemilihan bahan baku, proses produksi hingga menjadi suatu produk tidak akan merusak lingkungan atau dengan kata lain bahan baku pembuatannya merupakan hasil limbah alam yang diolah dan dimanfaatkan menjadi suatu nilai ekonomi untuk meningkatkan pendapatan keluarga. Tujuan penelitian yaitu untuk mengetahui pengembangan usaha rumahan berbasis green business di Deli Serdang terhadap tingkat pendapatannya. Peneliti menggunakan metode kualitatif yaitu dengan terjun langsung ke lapangan untuk melakukan observasi dan wawancara kepada setiap pemilik usaha tersebut pada 4 tempat usaha yang berbeda-beda. Hasil dari penelitian ini adalah pengembangan usaha rumahan berbasis green business dengan memanfaatkan bahan baku yang berasal dari alam ini mampu membangkitkan pendapatan keluarga ataupun masyarakat. Meskipun begitu menjaga alam bukan sekedar tanggung jawab setiap pemilik usaha tetapi tanggung jawab bersama-sama untuk kepentingan individu maupun kelompok.