Journal of Economics and Business Research (JUEBIR)

Economy Running the Nation, Nature Paying the Price: An Islamic Perspective on Environmental Disasters in Sumatra

Muhammad Al Berto, Ahmad Ahmad, Muhammad Lathoif Ghozali — Wed, 31 Dec 2025 00:00:00 +0700

This study examines the link between rising deforestation in Aceh, West Sumatra, and North Sumatra and the ecological vulnerability that intensified hydrometeorological disasters in late 2025. The purpose of this research is to analyze deforestation trends, assess their connection to the ecological disasters that occurred, and explore these phenomena through an Islamic perspective. The study employs a qualitative method using a library research design, drawing on scientific sources, official reports, and secondary data on forest-cover loss and disaster documentation. The findings indicate a consistent increase in deforestation from 2019 to 2024, while cumulative forest loss from 2001 to 2024 has reached approximately 3.3 million hectares, significantly weakening the ecological capacity of forests to maintain hydrological balance and soil stability. The Islamic analysis reveals that excessive exploitation contradicts the principles of amanah (trust), mīzān (balance), and the prohibitions against fasād (corruption) and isrāf (excessiveness), demonstrating that environmental destruction carries moral and spiritual dimensions. This study concludes that forest management in Sumatra requires an approach grounded not only in ecological and economic considerations but also in Islamic values that emphasize stewardship, moderation, and sustainability.

Analisis Kemudahan Penggunaan Fitur Customer on Boarding pada Aplikasi Muamalat DIN di PT Bank Muamalat Cabang Pekanbaru

Anisah Isyraq — Wed, 31 Dec 2025 00:00:00 +0700

This study aims to analyze the ease of use of the Customer on Boarding (COB) feature in the Muamalat DIN application at PT Bank Muamalat Branch Pekanbaru. The research used a descriptive qualitative approach, with data collection techniques consisting of participatory observation and document review. Primary data were obtained through direct assistance to prospective customers opening accounts online, while secondary data came from internal bank documents and relevant literature. Data were analyzed using the Miles and Huberman model, which includes data reduction, data display, and conclusion drawing. The findings indicate that the COB feature provides significant convenience to prospective customers, including independent account registration without visiting the branch, a fast procedure, secure digital verification, flexible time and location, and accounts that are ready to use immediately. However, several challenges remain, such as dependence on a stable internet connection, delays in receiving OTP codes, and the unavailability of services for foreign nationals. Data validity was ensured through source triangulation, while research ethics were upheld through participant consent and the protection of personal data.

Pengaruh Kedisiplinan Kerja dan Motivasi Kerja Terhadap Kinerja Karyawan PT. Agro Boga Utama Jakarta Selatan

Arief Tri Mashudi — Wed, 31 Dec 2025 00:00:00 +0700

Performance is a description of a result that can be measured by the effectivenessand efficiency of a job carried out by human resources in realizing the goals,objectives, vision, and mission that are realized through a company's planningstrategy. This study aims to determine and analyze the influence of the environmentand motivation on employee performance at PT Agro Boga Utama. This study uses aquantitative statistical approach method. The sampling technique used is saturatedsampling which has 38 respondents. The data collection technique uses observationthrough questionnaires. The results of this study indicate that work discipline (X1)has a significant effect with a value of 0.706 or 70.6%, which means that the workdiscipline variable (X1) has a strong influence on employee performance (Y). workmotivation (X2) has a significant effect with a value of 0.666 or 66.6%, which meansthat the discipline variable (X1) has a strong influence on employee performance (Y).work discipline (X1) and work motivation (X2) simultaneously (together) have asignificant influence on employee performance (Y) at PT Agro Boga Utama with avalue of 0.888 or 88.8% influenced by other factors that the researcher did notexamine.

Investasi Saham Syariah Berbasis Maqashid: Studi pada Indeks Saham Syariah Indonesia

Diyah Saputri, Yuni Astuti — Wed, 31 Dec 2025 00:00:00 +0700

Maqasid Syariah allows us to apply the principles of Maqasid in investing, including investing in stocks. Stock indices have screening criteria that can be adjusted to comply with existing Maqasid Syariah principles. This research aimed to analyze how the ISSI, IDX ESG Leaders, IDX High Dividend, and IDX Sharia Growth stock indices can be utilized for investment in accordance with the five principles of maqashid shariah. This quantitative descriptive research used secondary data from financial report and IDX. The collected data then filtered using the Maqashid Sharia principles appropriate to each stock index. The stock then valued using the PER approach. The analysis results indicate that TLKM and UNVR stocks meet the criteria of the five maqashid shariah principles. Subsequently, these two stocks were evaluated using the Price to Earnings Ratio (PER) approach. The data used consists of Earnings Per Share (EPS) over the past eleven years and the annual average PER. The results reveal that TLKM is currently undervalued, whereas UNVR is overvalued. This study further demonstrates that investors can leverage these stock indices to invest in alignment with the five principles of maqashid shariah.

Mindful Consumption in Islamic Economics: A Conceptual Analysis within the Framework of Sustainability

Misi Anggraini — Wed, 31 Dec 2025 00:00:00 +0700

This research examined the concept of mindful consumption in Islamic economics to measure the balance between needs, ethics, and sustainability. A qualitative juridical-normative method was used through literature review, Islamic law analysis, and case studies of consumer behavior. The research results showed that mindful consumption encouraged moderation by fulfilling real needs while integrating ethical considerations and environmental preservation. This approach created consumption patterns that were not only material but also considered moral, social, and spiritual dimensions. Conscious consumption affirmed social-spiritual values, strengthened the relationship with God, and encouraged social responsibility through simple, halal, and responsible living. Mindful consumption aligned with maqashid shariah, which included social justice and environmental preservation, avoiding wastefulness (israf) and exploitation. The implementation of this concept contributed to a just, harmonious, and sustainable society, as well as supported the Sustainable Development Goals (SDGs) and overall community welfare.

Strategi Inovasi Usaha dan Pemasaran dalam Mempertahankan Eksistensi Usaha Djasmine Bordir di Era Modern

Rima Nurul Fuadah — Wed, 31 Dec 2025 00:00:00 +0700

This study aims to analyze the innovation and marketing strategies implemented by Djasmine Bordir to maintain its business existence in the modern era. The rapid growth of digital technology and changing consumer behavior require culture-based MSMEs to adapt and innovate to stay competitive. This research uses a qualitative descriptive method through observation, in-depth interviews, and literature studies conducted at Djasmine Bordir, Kudus Regency, Central Java. The findings reveal that Djasmine Bordir successfully integrates tradition with modernization through product innovations based on local wisdom, such as Kudus-inspired motifs, customization services, and contemporary fashion designs. In terms of marketing, digital strategies using social media, e-commerce platforms, and influencer collaborations are applied to expand market reach and strengthen brand image. Furthermore, the adoption of digital payment systems (QRIS) and participation in MSME exhibitions enhance competitiveness. In conclusion, Djasmine Bordir’s success in maintaining its existence is influenced by its adaptability to technological advancements and the implementation of innovative marketing strategies, enabling sustainable business growth amid modern challenges.

Peran Baznas dalam Meningkatkan Kesejahteraan Masyarakat Miskin Melalui Zakat Produktif di Kabupaten Kampar

Rinaldi Rinaldi — Wed, 31 Dec 2025 00:00:00 +0700

This study analyzes the role of productive zakat distributed by BAZNAS in improving the welfare of the poor in Kampar Regency using NVivo analysis. The findings indicate that productive zakat significantly impacts security, freedom, self-identity, and welfare. Beneficiaries experience more stable income, greater autonomy in managing businesses, enhanced confidence, and improved family quality of life. Beyond the economic aspect, productive zakat also strengthens social and psychological dimensions, thereby reducing dependency, enhancing dignity, and fostering sustainable self-reliance among the poor.

QRIS Adoption Among Gen Z: Does Hedonic Lifestyle Matters?

Ashfi Pratiwi — Wed, 31 Dec 2025 00:00:00 +0700

This study examines the effect of Digital Financial Literacy on QRIS Usage moderated by Hedonic Lifestyle in Gen-Z Solo Raya. This research uses a quantitative approach. Through purposive sampling technique, 100 respondents from 5 districts and 1 city in Solo Raya were selected for this study. Data was collected through a Google Form questionnaire. The data were analyzed using Structural Equation Modeling-Partial Least Square (SEM-PLS). The results showed that there is a positive and significant influence between Digital Financial Literacy and QRIS Usage among Gen-Z in Greater Solo. However, Hedon Lifestyle is unable to moderate the relationship between Digital Financial Literacy and QRIS Usage Decision

Jual Beli Emas Secara Kredit pada Produk BSI Cicil Emas Perspektif Maqasid Syari'ah

Nurul Laili Ittasyaq — Wed, 31 Dec 2025 00:00:00 +0700

Non-cash gold transactions such as the BSI Gold Installment product have gained increasing popularity as an accessible form of gold investment. Nevertheless, installment-based gold trading raises fiqh concerns, as gold is classified as a ribawi commodity that should be exchanged on a spot basis (yadan bi yadin). This study aims to examine the compliance of the BSI Gold Installment scheme with Maqasid Shariah. Using a qualitative descriptive-analytical approach, this study relies on secondary data derived from official BSI product documents, Islamic jurisprudence literature on gold transactions, and relevant DSN-MUI fatwas. The data were analyzed through qualitative data reduction and conclusion drawing. The findings indicate that the use of a murabahah contract in the BSI Gold Installment product is generally permissible in non-cash gold transactions. From a Maqasid Shariah perspective, this product supports hifz al-mal (the preservation of wealth) by facilitating access to gold investment. However, this objective requires transparency in pricing, prior ownership of the gold by the bank before resale, and clear delivery mechanisms to avoid gharar and ensure full compliance with Shariah principles.

Pengaruh Self-Efficacy dan Toleransi Risiko terhadap Minat Hybrid Career Mahasiswa Solo: Peran Transformasi Digital Sebagai Moderasi

Devi Andini — Wed, 31 Dec 2025 00:00:00 +0700

This study aims to examine the effects of self-efficacy and risk tolerance on students’ interest in hybrid careers, as well as to investigate the moderating role of digital transformation. Using a quantitative approach, data were collected through an online questionnaire from 140 university students in the Solo region and analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS) via SmartPLS. The results indicate that risk tolerance and digital transformation have a positive and significant effect on hybrid career interest. Furthermore, self-efficacy is found to significantly moderate the relationship between digital transformation and hybrid career interest with a negative interaction effect, whereas risk tolerance does not function as a moderating variable. These findings highlight the novelty of this study by demonstrating that psychological readiness does not always exert a direct influence but interacts contextually with the digital environment in shaping students’ career interests. This research provides important implications for universities and policymakers in designing digital-based career development strategies to better prepare students for the evolving labor market.

Penerapan Penggunaan Sosial Media Instagram Sebagai Media Promosi Dalam Meningkatkan Penjualan Pada Ayam Keprabon

Nur Fadilah, M. Rofiq Junaidi — Wed, 31 Dec 2025 00:00:00 +0700

This study aims to explore the use of social media, specifically Intagram, as a promotional tool to enchase the sales of Ayam Keprabon products. Given the intense competition in the Surakarta market, this research seeks to identify effective promotional strategies and utilize Intagram’s features, such as Stories and collaboration with influencers. The research methodology employed includes interviews with informants from Ayam Keprabon and qualitative data analysis. The findings indicate that the application of Instagram as a promotional medium can significantly increase sales by employing strategies such as buy one get one promotions. This research is expected to provide practical recommendations for business owners in leveraging social media to optimize sales and build their brand.

Strategi Marketing Penerimaan Mahasiswa Baru Pada UPT Promosi dan PMB UMRI

Firul Indari — Wed, 31 Dec 2025 00:00:00 +0700

An effective marketing strategy is the key to increasing student enrollment in higher education institutions. This study aims to analyze the marketing strategies implemented by the Promotion and New Student Acceptance Unit (PMB) of Muhammadiyah University of Riau (UMRI). Using a case study approach, this research examines the implementation of marketing strategies applied in the promotion and acceptance of new students. The results indicate that the use of social media as a promotional platform, the development of educational content, and collaboration with high schools are critical factors in increasing the number of applicants. Additionally, the presence of digital marketing strategies has had a significant impact on reaching a wider prospective student audience. This study suggests the need for continuous evaluation of marketing strategies to adapt to trends and the needs of prospective students to optimize efforts in attracting applicants.