Jurnal Kajian Ekonomi dan Koperasi Indonesia (JKEKI)

Pengaruh Inflasi Terhadap Kemampuan Ekonomi Warga di Indonesia

2026-03-27T17:21:23+07:00

Inflation constitutes a macroeconomic phenomenon characterized by a persistent and generalized increase in the prices of goods and services, which directly reduces the purchasing power of households. The present study aims to examine the impact of inflation on consumer purchasing capacity in Indonesia and to identify its effects on patterns of consumption, welfare, and socioeconomic conditions. A literature review method was employed, involving analysis of relevant empirical findings and secondary data sources. The results indicate that diminished household purchasing power is primarily attributable to inflationary pressures, particularly price escalations in the food and energy sectors. Such increases disproportionately affect low-income groups, leading to a decline in their ability to afford daily necessities. Furthermore, inflation induces alterations in consumption behavior, including reductions in nonessential expenditures, substitution toward more affordable goods, and increased caution in purchasing decisions. Beyond its economic consequences, inflation also exerts significant social impacts, such as deterioration in quality of life and heightened financial stress. Although governmental interventions through subsidies and social assistance programs contribute positively to maintaining purchasing power, several implementation challenges persist. Consequently, the formulation of more efficient and sustainable policy measures is required to stabilize inflation and safeguard the purchasing capacity of the population.

The The Role of BMT in the Economic Empowerment of Micro Communities

2025-10-10T21:47:19+07:00

Baitul Maal wat Tamwil (BMT) is a sharia-based microfinance institution that has an important role in strengthening the community's economy, especially for micro, small, and medium enterprises (MSMEs) in Indonesia. BMT has the main task, namely to provide access to funding in accordance with sharia principles, such as mudharabah, musyarakah, murabahah, and ijarah, to support MSME actors to get business capital fairly and without usury. In addition, BMT also conducts coaching, training, and business assistance to strengthen the managerial capacity and competitiveness of business actors. Case studies at BMT Projo Artha Sejahtera Bantul and several other areas show a significant increase in turnover and business quality of financing recipients, which has an effect on job creation, increased independent income, and poverty reduction. Despite facing various obstacles such as lack of capital and human resources, BMT still strives to optimize its function as a social financial intermediation institution that supports inclusive and sustainable economic development. The findings of this study confirm the urgency of support for BMT as the foundation of community economic empowerment and a driver of national economic growth

Sharia Stock Exchange and Its Contribution To National Economic Growth Comparative Analysis Of Indonesia And Malaysia

2025-10-09T20:11:42+07:00

This study examines the role of Sharia-compliant stock exchanges in advancing national economic growth, focusing on the comparative experiences of Indonesia and Malaysia. Using a library-based research method, the paper synthesizes findings from scholarly works, official reports, and statistical analyses to explore market performance, macroeconomic linkages, and institutional frameworks. The results reveal that while Indonesia’s Sharia stock market is characterized by higher volatility and sensitivity to domestic macroeconomic factors, Malaysia’s more mature and globally integrated market exhibits greater stability and deeper international linkages. In both countries, Islamic capital markets through instruments such as sukuk, Sharia equities, and mutual funds contribute positively to long-term GDP growth by promoting financial inclusion, mobilizing savings, and supporting productive sectors. The study concludes that strong governance, regulatory harmonization, and financial literacy are essential to enhance the economic impact of Islamic capital markets and sustain their growth in an increasingly globalized environment.

Keyword: Sharia stock exchange, Islamic finance, economic growth, regulatory framework, financial inclusion

Pemahaman Etika Profesi dan Profesionalitas Kerja Dalam Membangun Reputasi Bisnis Serta Kepercayaan Konsumen di Era Transformasi Digital

2025-11-17T14:01:12+07:00

The aim of this study to explore how business practitioners understand and implement professional ethics and work professionalism in building business reputation and maintaining consumer trust in the era of digital transformations. The research employs a qualitative descriptive approach, with data collected throught in-depth interviews and document analysis involving several business actors who are actively adapting to digital changes

The findings indicate that professional ethics serve as a fundamental principle in fostering honesty, responsibility, and intergrity in the workplace. Meanwhile, work professionalism demonstrated throught consistency and a strong commitment to quality contributes significantly to strengthening a company’s reputation in the eyes of consumers. Within the context of digital transformations, these two aspects complement each other : while technology enhances business reach, ethics and professionalism preserve the trust that underpins long-term relationships with costumers.

Sharia Financing Companies as An Alternative for Islamic Value-Based Financing

2025-10-10T11:20:30+07:00

One of the functions of banking is to provide financing as a financial intermediary. Sharia financing is an alternative financial system based on Islamic law that prioritizes justice. This research seeks to examine the contributions of Sharia financing firms as a value-driven Islamic pathway for funding, one that bolsters a financial system rooted in equity, broad inclusion, and enduring viability. Drawing on a descriptive-analytical framework through an extensive review of scholarly works, institutional analyses, and earlier investigations, the study delves into the foundational ideas, practical applications, and persistent hurdles surrounding Sharia-compliant financing mechanisms. The analysis uncovers that these firms operate on pillars of fairness, collaborative engagement, and clear accountability, employing diverse Sharia contracts including mudarabah, musharakah, murabahah, ijarah, salam, and istisna’ to structure their activities. Beyond acting as providers of interest-free capital, they emerge as catalysts for societal advancement, weaving in elements of Islamic social finance like zakat, infaq, and waqf to amplify community benefits. The integration of Value-Based Intermediation (VBI) further solidifies their commitment to long-term sustainability, shifting focus from pure profit motives toward operations that deliver meaningful economic gains and environmental safeguards. Innovations in digital tools, notably Sharia-oriented fintech platforms, have notably widened financing avenues for micro, small, and medium enterprises (MSMEs), reaching into underserved rural and peripheral areas overlooked by mainstream financial providers. That said, the study also pinpoints notable barriers, such as widespread gaps in public understanding of Islamic finance, fragmented regulatory structures, and inherent operational uncertainties in the MSME landscape. Looking ahead, these observations emphasize the critical need for coordinated action among policymakers, oversight bodies, and civil society to nurture a robust Islamic financial network that promotes justice, fosters healthy competition, and ensures lasting resilience.

Inggris The Role of Islamic Banks in Promoting Inclusive Growth and Community Well-Being in Indonesia

2025-09-29T12:14:56+07:00

This study examines the role of Islamic banks and Islamic financial institutions (IFIs) in promoting economic growth and improving community welfare in Indonesia using a qualitative literature review. The findings reveal that Islamic banks act as financial intermediaries that not only channel funds to the real sector but also uphold justice and sustainability in line with Islamic law. Key drivers of optimization include strong government regulations, product and service innovation, institutional synergy, and banking digitalization. Major challenges involve low financial and digital literacy, limited human resources, and uneven technological infrastructure. The literature also highlights the significant contribution of IFIs in expanding financial inclusion, supporting the halal industry, and managing social funds such as zakat and waqf. By integrating the principles of *maqasid al-shariah*, Islamic banking fosters a fairer and more sustainable distribution of wealth, although innovation and literacy challenges remain.