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All Journal Jurnal Ekonomi Pembangunan Jurnal Dinamika Ekonomi Syariah An-Nisbah : Jurnal Perbankan Syariah Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Ekonomi, Manajemen dan Perbankan Iltizam : Jurnal Ekonomi dan Keuangan Islam Danadyaksa: Post Modern Economy Journal
Ceta Indra Lesmana
Universitas KH. Abdul Chalim, Mojokerto, Indonesia
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences Other

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Hubungan Kinerja Green Banking Terhadap Perkembangan Pembangunan Ekonomi Negara Secara Berkelanjutan Yuwan Ferdiana Ilahi; Nur Asnawi; Ceta Indra Lesmana
An-Nisbah: Jurnal Perbankan Syariah Vol. 4 No. 2 (2023): Jurnal An-Nisbah: Perbankan Syariah
Publisher : PRODI PERBANKAN SYARIAH INSTITUT AGAMA ISLAM (IAI) SUNAN KALIJOGO MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v4i2.1071

Abstract

Tujuan dari artikel ini untuk mempelajari Kinerja Green Banking Terhadap Perkembangan Pembangunan Ekonomi Negara Secara Berkelanjutan. Kajian ini juga mencakup peran dan kontribusi bank dalam kelestarian lingkungan dan Tujuan Pembangunan Berkelanjutan. Artikel ini ini bersifat konseptual, berdasarkan pada penelitian menyeluruh tinjauan literatur, situs web lembaga keuangan dan evaluasi literatur di antara sumber-sumber lainnya. Studi ini memiliki dilengkapi dengan berbagai artikel jurnal penelitian. Secara umum, pembangunan berkelanjutan berarti ekonomi, sosial dan lingkungan pembangunan sedemikian rupa sehingga generasi saat ini dapat memenuhi kebutuhan dengan memenuhi kebutuhan masa depan generasi juga. Dengan mengabaikan perintah Al-Qur'an, manusia tentu saja merusak ekologi keseimbangan dan tanggung jawab mereka untuk mengaturnya kembali yang membutuhkan perjuangan yang tak terhitung jumlahnya dan modifikasi pribadi yang besar. Untuk membangun kembali dan melestarikan keseimbangan alam, manusia harus bertindak seperti khalifah. Memperkenalkan kebijakan dan pedoman hijau sebagai serta menegakkan pedoman yang ditetapkan oleh semua jenis lembaga keuangan, baik bank maupun bukan bank
KEADAAN PSIKOLOGIS DAN EMOSIONAL KONSUMEN DALAM PENGAMBILAN KEPUTUSAN MENABUNG PADA BANK SYARIAH DI JOMBANG – JAWA TIMUR Ceta Indra Lesmana
Jurnal Dinamika Ekonomi Syariah Vol 10 No 2 (2023): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Institut Agama Islam Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v10i2.701

Abstract

Dalam lingkungan pasar yang terus berubah, memahami perilaku pembelian pelanggan sangat menentukan bagi perusahaan untuk beroperasi berhasil dan efisien. Memahami perilaku konsumen dianggap sebagai landasan untuk pemasaran yang sukses, manajemen produksi yang andal, dan keberhasilan kegiatan penelitian dan pengembangan. Penelitian ini bertujuan untuk menganalisis dan menginterpretasikan Keadaan Psikologis Dan Emosional Konsumen Dalam Pengambilan Keputusan MenabungPada Bank Syariah Di Indonesia. Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian kuantitatif dengan menggunakan data primer. Sampel pada penelitian ini adalah Nasabah Bank Syariah yang ada di Jombang-Jawa timur. Dengan teknikpengambilan sampel menggunakan simple random sampling, sehingga diperoleh jumlah sampel sebanyak 285 responden. Analisis data pada penelitian ini menggunakan SPSS Versi 25. Hasil penelitian menunjukkan bahwa psikologis berpengaruh tidak signifikan terhadap keputusan konsumen Dalam Pengambilan Keputusan Menabung. emosi berpengaruh signifikan terhadap keputusan konsumen Dalam Pengambilan Keputusan Menabung.
PERAN SOSIOLOGI EKONOMI DALAM PEMBANGUNAN EKONOMI MASYARAKAT Yuwan Ferdiana Ilahi; Ceta Indra Lesmana
Jurnal Dinamika Ekonomi Syariah Vol 10 No 2 (2023): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Institut Agama Islam Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v10i2.718

Abstract

Sosiologi Ekonomi merupakan perspektif sosiologis yang menjelaskan fenomena ekonomi, terutama terkait dengan aspek produksi, distribusi, pertukaran, konsumsi barang, jasa, dan sumber daya, yang bermuara pada bagaimana masyarakat mencapai kesejahteraan. Sosiologi Ekonomi menunjukkan perkembangan yang eksplosif sejalan dengan berbagai permasalah sosial ekonomi masyarakat, baik di negara-negara maju maupun di negara-negara berkembang yang sedang berupaya meningkatkan kesejahteraan masyarakatnya melalui berbagai kebijakan pembangunan. Perkembangan studi Sosiologi Ekonomi tidak terlepas dari pengaruh pemikiran tokoh sosiologi klasik dan aliran pemikiran baru dalam sosiologi ekonomi sejak dekade 1980-an. Hasil kajian eksploratif yang pada tulisan ini melalui penelusuran atas perkembangan studi Sosiologi Ekonomi di Indonesia, menunjukkan bahwa sebagian besar studi diarahkan kepada bagaimana masyarakat memenuhi kebutuhan dan mencapai kemakmuran atau kesejahteraan yang erat kaitannya dengan masalah kemiskinan. Saat ini studi Sosiologi Ekonomi lebih marak menganalisis tentang kapital sosial, serta masalah struktur, kelembagaan dan sistem ekonomi nasional dikaitkan dengan kesejahteraan masyarakat. Sistem ekonomi nasional yang dimaksud adalah yang sejalan amanat konsititusi kita. Pada sisi lain, dampak pembangunan nasional terutama sejak masa orde baru juga banyak diteliti mengingat kebijakan pembangunan dinilai belum mampu menciptakan kesejahteraan masyarakat, bahkan terkesan belum berhasil menciptakan inklusifitas dalam pembangunan nasional, berlandaskan pembangunan model negara kesejahteraan (MNK) dengan indikator utama berupa “pemerataan” pembangunan
OPTIMIZATION OF PRODUCT MARKETING IN SHARIA BANKING THROUGH SOCIAL MEDIA Ceta Indra Lesmana; Haridah
Multifinance Vol. 1 No. 2 (2023): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v1i2 November.32

Abstract

Islamic banking is a sector that continues to grow in Indonesia, with the aim of providing products and services that comply with sharia principles. Social media is one increasingly well-liked tool Islamic financial institutions use to market their goods. This research aims to explore the potential for optimizing product marketing in sharia banking through social media. This research uses a descriptive analytical method by collecting data through a literature study and analysis of social media content used by Islamic financial institutions in Indonesia. The research results show several problems related to optimizing product marketing in sharia banking via social media, including content incompatibility with sharia principles, credibility of sharia financial institutions, public misunderstanding of sharia banking products, controversy and negative perceptions, as well as consumer protection. To overcome this problem, this research also identifies several strategies that can be used by Islamic financial institutions to optimize product marketing on social media.
Strategi Pemasaran Sosial Syariah Mendorong Kemajuan Ekonomi Dan Sosial Ceta Indra Lesmana
Iltizam : Jurnal Ekonomi dan Keuangan Islam Vol. 1 No. 2 (2024): Iltizam : Jurnal Ekonomi dan Keuangan Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/iltizam.v1i2.3973

Abstract

Strategi pemasaran adalah suatu rencana menyeluruh dan terpadu di bidang pemasaran yang memberikan pedoman mengenai kegiatan yang akan dilakukan dalam mencapai tujuan perusahaan melalui periklanan, promosi, penjualan, produk dan distribusi. Dalam Islam Nabi telah mengajarkan etika bisnis termasuk pemasaran melalui sifat Nabi yang disingkat SAFT (shiddiq, amanah, fathanah dan tabligh). Selain itu, pemasar harus memperhatikan etika teistik (rabbaniyyah), etis (akhlaqiyyah), realistis (al-waqiyyah), dan humanistik (insaniyyah). Dengan memperhatikan konsep pemasaran dalam Islam diharapkan tidak ada pemasaran yang dapat merugikan berbagai pihak terutama konsumen dan mitra usaha.
The Moderating Impact of Religion and Women's Business on Household Economic Security: A Financial Planning Perspective ceta indra lesmana
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 2 No. 1 (2024): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v2i1.636

Abstract

The household economy in Indonesia plays a crucial role in the dynamics of the national economy. However, data from the Central Statistics Agency (BPS) in 2022 reveals that the average per capita household expenditure is still below the poverty line, reaching IDR 4,225,000 per month. This highlights a significant challenge in efforts to improve household welfare in Indonesia. This research provides policy suggestions to overcome these problems, including increasing access to education and skills, strengthening social protection programs, and supporting the development of small and medium enterprises (SMEs). Financial literacy, access to financial services, and the role of women in the economy are also important focuses in designing a comprehensive strategy. Collaboration between government, the private sector and non-governmental organizations is needed to realize effective policy implementation. Finally, the promotion of a green economy is proposed as a progressive step to create sustainable jobs and encourage inclusive economic growth. It is hoped that this research can provide a holistic view of household economic problems in Indonesia and provide direction for developing more effective and sustainable policies.
The Influence of the Level of Financial Literacy and Digital Literacy on Generation Z's Interest in Saving at Bank Muamalat Indonesia KCP Mojokerto Norick Ardiansyah; Ceta Indra Lesmana
Danadyaksa: Post Modern Economy Journal Vol. 1 No. 2 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v1i2.35

Abstract

This research aims to determine the influence of financial literacy and digital literacy levels on Generation Z's interest in saving at Bank Muamalat Indonesia KCP Mojokerto. This research uses quantitative methods using primary data. The population of this research is Generation Z customers who save at Bank Muamalat Indonesia KCP Mojokerto. Data collection was carried out by distributing questionnaires to customers in the city of Mojokerto as many as 96 sample respondents using a purposive sampling technique with the following considerations: (1) generation Z customers who save at Bank Muamalat Indonesia KCP Mojokerto. The data obtained was then processed using the multiple linear regression method using IBM SPSS 25 software. The analysis used included validity and reliability tests, classical assumption tests, multiple linear regression tests, and hypothesis testing. The results of this research show that partially financial literacy has a positive and significant effect on Generation Z's interest in saving at Bank Muamalat Indonesia KCP Mojokerto, digital literacy has a positive and significant effect on Generation Z's interest in saving at Bank Muamalat Indonesia KCP Mojokerto. Simultaneously financial literacy and digital literacy influence Generation Z's interest in saving at Bank Muamalat Indonesia KCP Mojokerto.
SHARIA CREDIT RISKS: WOMEN'S ROLE IN REDUCING POVERTY Ceta Indra Lesmana
Multifinance Vol. 1 No. 3 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v1i3.111

Abstract

Alleviation poverty, especially among women, is a serious challenge in Indonesia. Finance microsharia emerged as a potential solution. For empowerment, women should approach sharia credit. This article discusses necessary risks noticed, like credit traffic jams, fraud, and risk reputation, in development finance microsharia. Management good risk has become a key continuity business. Apart from that, the importance of education and literacy finance, supporting the government, and partnerships with various parties in increasing the contribution of women to overcome poverty through Sharia credit is highlighted. Utilisation of the potential for zakat, waqf, and Islamic values is also a crucial aspect. Inclusionary and sustainable microfinance models are expected to positively impact women's economic empowerment. With a holistic, inclusive, and sustainable approach, it is hoped that women can play a significant role in alleviating poverty and positively impacting various layers of society in Indonesia.
The Role of Micro, Small and Medium Enterprises (MSMEs) in Alleviating Poverty Caused by Unemployment Yuwan Ferdiana Ilahi; Munirul Abidin; Vivin Maharani Ekowati; Ceta Indra Lesmana
Jurnal Ekonomi Pembangunan Vol. 21 No. 02 (2023): Jurnal Ekonomi Pembangunan
Publisher : Pusat Pengkajian Ekonomi dan Kebijakan Publik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jep.v21i02.27331

Abstract

The purpose is To examine the role of MSMEs in overcoming poverty caused by unemployment in West Java. The data used is secondary data taken from the Central Bureau of Statistics (BPS). The analytical method used is Partial Least Square (PLS). The sample selection in this study was determined using the census method. The census method is a method that takes a sample of all districts and cities in West Java. The sample data used are districts and towns in East Java, namely 27 districts/cities. The results of the R-Square test show that the independent variable (unemployment) affects poverty by 68%, while other factors outside the model influence the additional 32%. The unemployment variable can increase MSMEs by 30%, while other factors outside the research model influence the other 70%. The MSME variable can reduce poverty by 67%, while other factors outside the model affect the additional 33%; the results of the significance level test show that unemployment has a direct and significant positive relationship with poverty. Unemployment has a direct and consequential positive relationship with MSMEs. MSMEs have a direct and consequential positive relationship to poverty. Moreover, MSMEs can moderate the relationship between unemployment and poverty.
Co-Authors Haridah Munirul Abidin Norick Ardiansyah Nur Asnawi Vivin Maharani Ekowati Yuwan Ferdiana Ilahi Yuwan Ferdiana Ilahi