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Penelitian ini membahas Implementasi Konsep Hak Khiyar dalam transaksi jual beli modern, dengan fokus pada transaksi istishna, Cash on Delivery (COD), dan sistem jual beli online melalui e-commerce. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan deskriptif. Hasil penelitian menunjukkan bahwa penerapan Hak Khiyar dilakukan dengan cermat dan sesuai dengan prinsip-prinsip syariah Islam. Konsumen merespons positif terhadap Implementasi Hak Khiyar karena memberikan rasa kepercayaan dan keamanan dalam bertransaksi. Namun, masih terdapat tantangan terkait kurangnya sosialisasi informasi mengenai Hak Khiyar kepada konsumen dan perbaikan dalam efisiensi proses pengembalian barang. Disarankan agar terus meningkatkan upaya sosialisasi dan edukasi tentang Hak Khiyar kepada konsumen untuk memberikan pengalaman berbelanja yang lebih baik dan memuaskan. Kesimpulannya, Implementasi Konsep Hak Khiyar memberikan manfaat dalam membangun hubungan bisnis yang saling menguntungkan antara penjual dan pembeli, sejalan dengan prinsip-prinsip syariah yang mengedepankan keadilan dan kepentingan bersama dalam transaksi.  

Perilaku konsumen dalam pembelian ayam broiler dipengaruhi oleh berbagai faktor yang saling berkaitan. Penelitian ini bertujuan untuk menganalisis pengaruh perilaku konsumen dalam pembelian ayam broiler serta mengidentifikasi faktor utama yang menentukan keputusan pembelian. Metode yang digunakan dalam penelitian ini adalah Systematic Literature Review (SLR) dengan pendekatan PRISMA, yang melibatkan analisis terhadap 15 jurnal nasional maupun internasional yang dipublikasikan dalam rentang waktu 2020-2025. Setelah melalui proses seleksi, sebanyak 13 jurnal dinyatakan relevan dan digunakan dalam analisis lebih lanjut. Hasil penelitian menunjukan bahwa faktor pribadi memiliki pengaruh terbesar terhadap keputusan pembelian ayam broiler, dengan tingkat keterlibatan mencapai 100%. Faktor ini mencangkup aspek harga, kualitas produk, tampilan, kemasan, dan kebersihan. Selain itu, faktor budaya sebesar 15%, sosial, dan psikologis masing-masing memiliki pengaruh sebesar 23%. Temuan ini menunjukan bahwa pemahaman mendalam mengenai perilaku konsumen menjadi aspek krusial bagi pelaku usaha dalam menyusun strategi pemasaran yang lebih efektif. Dengan memahami faktor-faktor utama yang mempengaruhi keputusan pembelian, produsen dan pedagang ayam broiler dapat menyesuaikan produk, harga, serta strategi promosi agar lebih sesuai dengan kebutuhan dan preferensi konsumen.

This study aims to analyze the digital marketing strategies implemented by clothing stores in the Telang area from a sharia economic perspective. In the digital era, business actors are required to adapt to technology, including in terms of promotion and marketing. The approach used in this study is descriptive qualitative, with data collection through observation, interviews, and documentation. The results of the study show that most business actors have utilized social media such as WhatsApp, Instagram, and Facebook Marketplace to market their products. The strategies implemented are mostly in line with the principles of sharia economics such as honesty (ṣidq), openness (tabligh), and amanah. However, some practices that are not in accordance with sharia are still found, such as the use of photos that do not match the original product (gharar) and excessive promotion (tadlis). The main inhibiting factors in the implementation of sharia digital strategies are limited digital literacy and infrastructure. Therefore, ongoing assistance and training in sharia-based digital marketing are needed to improve understanding and business practices in accordance with Islamic values.

Human resources are the driving force of animal husbandry in Indonesia, because the role of human resources is important and aligned with qualified work skills will create sustainable dairy farms. This Literature Review aims to examine the effect of increasing productivity and sustainability of dairy farms through optimizing human resource management. This study used a systematic review method. After collecting information from 13 SINTA accredited journals and SCOPUS indexed journals, it was found that optimizing human resource management plays an important role in realizing productivity and sustainability of dairy cows, as found in this literature review that empowering farmers by providing training, knowledge and skills is a key factor in increasing production yields that support business sustainability.

This article discusses risk management strategies in the face of global market uncertainty triggered by the process of globalization and economic interconnection. Through a literature review, it highlights the importance of a proactive, flexible and collaborative approach that integrates various aspects such as politics, economics, technology and human resources. The use of modern technologies such as artificial intelligence (AI) and big data analysis is key in accelerating risk detection and appropriate decision-making. In addition, strengthening human resources, investment diversification, building risk reserves, and cross-departmental and external collaboration are considered key strategies to improve organizational resilience and competitiveness amid global uncertainty. The results of this study provide recommendations for organizations to adopt a comprehensive and sustainable approach to risk management to maintain business stability and sustainability in the era of globalization.

The purpose of this study was to see how promotions and live streaming features impact the decision of Shopee users to purchase fashion products in the 2022 intake. This quantitative study involved 54 respondents from a population of 117 students selected through a simple random sampling method. Primary data were collected through online questionnaires and analyzed using multiple regression using SPSS. Validity, reliability, classical assumptions, and hypothesis tests were also conducted. The study shows that students of Economics Education, Sebelas Maret University, 2022 intake significantly choose fashion products because of promotions and Shopee's live streaming features. Promos are considered to be able to save consumer spending, thus increasing interest and enthusiasm for transacting through the Shopee application. Meanwhile, the live streaming feature makes it easier for consumers to see products directly, assess quality, and make purchases more practically. As for further researchers, it is recommended to add other variables (for example, consumer trust), compare with other e-commerce platforms, use mixed methods, analyze different user segments, and examine the long-term impact on brand loyalty.

This study aims to evaluate the extent to which service quality, store atmosphere, and the implementation of proactive strategies contribute to business strategy at CV MM Acing Jaya located in Pangkalpinang. This study uses a quantitative approach with data collection techniques through distributing questionnaires to 71 respondents consisting of customers and business partners of the company. Multiple linear regression analysis was used to test the research hypothesis consisting of three independent variables (service quality, store atmosphere, and proactive strategy) and one dependent variable (business strategy). The results showed that store atmosphere and proactive strategy had a positive and significant effect on business strategy, while service quality showed no significant effect. The findings suggest that the creation of a supportive store atmosphere and the implementation of responsive and innovative strategies are important factors in strengthening the competitiveness of ritel companies. This research provides a practical contribution for businesses in developing business strategies that are more adaptive and oriented to consumer needs.

Islamic microfinance institutions (IMFIs) in Indonesia have experienced notable progress in line with the growing public interest in Islamic economic principles. However, the competition between Islamic and conventional microfinance sectors is becoming increasingly intense. The LKMS BTM Artha Surya Cooperative, located in Tegal Regency, is currently facing pressure due to this competitive environment and must formulate an effective strategy to sustain and grow its business. This study aims to formulate a strategy using the Blue Ocean Strategy framework as an alternative to overcoming business rivalry. A qualitative approach was employed, gathering primary data through interviews and field observations at BTM Artha Surya Tegal, supported by secondary sources from relevant literature. The findings reveal that BTM Artha Surya has undergone transformation into Baitul Tanwil Muhammadiyah (BTM) Artha Surya and now provides various Sharia-compliant financing services. This research further elaborates on the murabahah financing process, including the recognition, measurement, and disclosure practices implemented in the financial statements of BTM Artha Surya Tegal.

Business ethics form the moral foundation that guides corporate operations and stakeholder interactions, fostering trust, strengthening relationships, and promoting long-term business sustainability. In the digital industry, the application of business ethics has become increasingly critical due to the complexity of interactions among companies, partners, and customers. PT GoTo Gojek Tokopedia Tbk, established through the 2021 merger of Gojek and Tokopedia, faces substantial challenges in upholding ethical principles amid the dynamic landscape of Indonesia’s digital economy. This study adopts a descriptive qualitative approach, utilizing observation and literature review, to examine the extent to which the implementation of business ethics at GoTo contributes to its corporate performance. The findings indicate that consistent ethical practices significantly enhance corporate reputation, improve customer loyalty, and foster a healthy work environment. The integration of fairness, honesty, transparency, and social responsibility has proven to be critical in ensuring corporate sustainability and growth within the competitive digital industry. This study underscores the imperative for companies to systematically embed ethical principles into all operational activities in order to address evolving regulatory frameworks, market competition, and rising societal expectations.

This study aims to analyze the economic and social impacts within the environmental context on the sustainability of catfish farming in Basanah Village. Environmental issues such as water quality, land availability, and land-use changes have significantly affected aquaculture practices. Moreover, the social dynamics of the surrounding community, including patterns of cooperation, public perception of catfish farming, and economic impacts on farmers’ income and welfare, are central to the investigation. This research employs a descriptive qualitative approach through field observations, in-depth interviews, and documentation involving local farmers, community leaders, and relevant stakeholders. The findings reveal that economic aspects, such as production cost efficiency and income improvement, are highly dependent on stable environmental conditions and strong social support. Conversely, environmental degradation and weak social participation hinder business development. Therefore, participatory-based policies integrating sustainable environmental management with the strengthening of local socioeconomic capacities are urgently needed. This study offers a significant contribution as a foundation for formulating empowerment strategies for environmentally and socially-based small-scale aquaculture enterprises at the village level.

Non-Civil Servant Government Employees (PPNPN) are a vital component in the operational activities of an organization. However, their performance management faces challenges in efficiency and standardization. This scientific paper examines the potential implementation of Google Sites as a platform for PPNPN performance management. The analysis focuses on the existing regulatory framework. The proposed model leverages the integration of Google Sites with Google Forms, Google Sheets, and other supporting applications provided by Google to digitize the performance management cycle, from planning, monitoring, and evaluation (based on indicators such as integrity, discipline, teamwork, communication, and service), to documentation and feedback. The main advantages of this platform include administrative efficiency, increased data transparency and accessibility, centralized data management, potential for consisten process, collaboration, and cost-effectiveness. Nevertheless, its implementation faces significant challenges related to the digital literacy gap among PPNPN with diverse roles, data security and privacy issues in the public sector, the need for robust change management, feature limitations compared to specialized HRIS systems, particularly in the Ministry of Finance where the research object's office is located, and the necessity for adequate supporting infrastructure. This research concludes that Google Sites offers a technically viable solution, but its success highly depends on the organizational and human resource readiness of both the HR managers and the PPNPN themselves.

This study intends to investigate the business model and product marketing strategy of BMT Dana Mentari Muhammadiyah Purwokerto using the Business Model Canvas (BMC) approach. The background of this research is rooted in the need for Islamic microfinance institutions to adapt amidst increasing competition, particularly in product development and marketing. The research uses a descriptive qualitative approach, with data collected through in-depth interviews with BMT management. The findings suggest that BMT Dana Mentari has implemented the nine elements of the BMC comprehensively, including community-based customer segmentation, strong Sharia-compliant value propositions, and marketing strategies such as direct outreach and personal selling. However, challenges remain, particularly in service digitalization and promotional efforts. The implications of this study highlight the importance of continuous innovation in Sharia-based products and marketing strategies to enhance competitiveness and institutional sustainability.

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in supporting regional economic development. However, inefficient inventory management remains a significant challenge in operational effectiveness. This study aims to analyze raw material inventory control at Kebab & Burger Foursist MSME in Tarakan City using the Economic Order Quantity (EOQ) and Reorder Point (ROP) methods. A descriptive quantitative approach was employed, utilizing annual sales data, ordering costs, and storage costs of main raw materials. The results indicate that the implementation of EOQ and ROP effectively determines the optimal purchase quantity and reorder timing, thereby minimizing total inventory costs and reducing the risk of stockouts or overstocking. The use of POM-QM for Windows software enhances the accuracy of the analysis. The implications of this study offer practical solutions for MSME actors in managing raw material procurement more efficiently and systematically.

The rapid advancement of digital transformation, coupled with the increasing intensity of competition in the financial industry, compels banking institutions to implement appropriate strategies to enhance their competitiveness—particularly in serving the micro and Small and Medium Enterprises (SMEs) segments. This study aims to analyze the application of the Strategic Position and Action Evaluation (SPACE) Matrix as a tool for formulating effective marketing strategies at Bank BRI Unit Sokaraja Tengah.By employing a qualitative approach through direct observation and interviews, this research evaluates four key dimensions within the SPACE Matrix framework: Financial Strength (FS), Competitive Advantage (CA), Environmental Stability (ES), and Industry Strength (IS). The analysis results indicate that FS scored 5, CA scored 4, ES scored 4, and IS scored 3. Collectively, these scores position Bank BRI Unit Sokaraja Tengah within the aggressive quadrant.These findings suggest that the bank unit possesses strong internal capabilities and significant external opportunities for continued growth and innovation. Based on this strategic positioning, the recommended strategies include: strengthening digital service innovation, enhancing customers' financial literacy, and fostering active collaboration with the SME community. The implementation of this aggressive strategy is expected to reinforce the bank's competitive position and sustainably support growth in the microeconomic sector.

KSPPS BMT Dana Mentari Purwokerto faces tight competition with other cooperatives such as PNM Mekar Sudagaran Sidareja in supporting MSMEs through sharia financing. This study analyzes the competitive position of BMT Dana Mentari using the Competitive Profile Matrix (CPM) and formulates a sharia-based business strategy. A descriptive qualitative approach is applied with data from interviews (May 2025), observations, and documents (OJK, 2025). The CPM results show that BMT Dana Mentari has a score of 3.25, superior to PNM Mekar (3.05), with strengths in sharia compliance and personal service. The main weakness is digital technology. The proposed strategies include digitalization of mobile applications (2026) and development of musyarakah products, in accordance with the itsar principle. This study provides guidance for sharia cooperatives to increase the competitiveness and empowerment of MSMEs.

This study aims to analyze the product diversification strategy implemented by Pegadaian Purwokerto Branch and its impact on the company's financial stability. A qualitative descriptive approach was applied using a case study method through structured interviews, direct observations, and internal document analysis. The research also integrates the General Electric (GE) Matrix to map the business strength and market attractiveness of each diversified product. The findings reveal that Pegadaian’s diversified products—such as gold savings, vehicle financing, and Hajj/Umrah financing—have significantly contributed to expanding market reach and increasing revenue. This success is supported by comprehensive feasibility studies, structured risk management systems, and the operational role of branch-level human resources. Nevertheless, challenges remain, particularly in service digitalization and HR readiness. This research contributes both theoretically and practically to product development strategies in financial services, especially for state-owned enterprises seeking sustainable business growth through data-driven diversification.

This study centers on examining the impact of digital literacy, entrepreneurial characteristics, and competitive advantage on entrepreneurial success. In the rapidly evolving digital era, the ability to utilize information technology has grown to be a crucial aspect in supporting business activities, specifically for micro, small, and medium enterprises (MSMEs). This analysis employs a quantitative method using surveys aimed at MSME entrepreneurs. Multiple linear regression was conducted to analyze the relationship between independent variables and the dependent variable. The outcomes reveal that digital literacy, entrepreneurial characteristics, and competitive advantage have a positive and significant effect on entrepreneurial success. These findings suggest that enhancing digital literacy, entrepreneurial attitudes and behaviors, and strategies to build competitive advantage are key factors in achieving business success.

The study analyzes the business strategy of UPC Pegadaian Pasar Bumiayu using the SERVO approach (Strategy, Environment, Resources, Values, Organization). The findings indicate that Pegadaian has developed adaptive and innovative strategies through service digitalization, sharia-based products, as well as public education and strategic partnerships. Both internal and external environments are managed responsively, utilizing human resources and technology effectively. Organizational values promote a collaborative work culture and inclusive leadership. The evaluation shows that the SERVO approach helps Pegadaian remain competitive and relevant in the modern financial industry.

Studi ini bertujuan untuk menelaah kinerja produk pembiayaan di BPRS BAS Purwokerto menggunakan pendekatan Matriks Boston Consulting Group (BCG). Produk yang dianalisis meliputi Murabahah, Multijasa, Qardh, Sewa, Mudharabah, dan Musyarakah. Berdasarkan hasil analisis, produk Murabahah dan Multijasa berada pada kuadran Stars, menandakan pangsa pasar besar dan pertumbuhan tinggi. Produk Sewa menempati kuadran Cash Cows dengan pangsa pasar besar namun pertumbuhan rendah. Sementara itu, produk Istishna, Qardh, Mudharabah, dan Musyarakah terletak di kuadran Dogs, yang mengindikasikan mempunyai pangsa pasar terbatas serta laju pertumbuhan yang rendah.. Strategi untuk diusulkan meliputi perluasan pasar untuk Stars, optimalisasi operasional untuk Cash Cows, serta evaluasi dan inovasi produk pada Dogs.

Usaha Mikro, Kecil, dan Menengah (UMKM) memegang peranan strategis dalam perekonomian Indonesia, dengan kontribusi signifikan terhadap Produk Domestik Bruto (PDB) dan penyerapan tenaga kerja. Namun, UMKM menghadapi berbagai tantangan, seperti keterbatasan akses permodalan, rendahnya kualitas sumber daya manusia, kurangnya pemanfaatan teknologi, serta kendala dalam pemasaran produk. Penelitian ini bertujuan untuk mengidentifikasi permasalahan utama yang dihadapi UMKM, mengevaluasi efektivitas program pemberdayaan yang telah dilaksanakan oleh pemerintah dan sektor swasta, serta merumuskan strategi pengembangan yang aplikatif dan berkelanjutan. Metodologi yang digunakan adalah pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui observasi, wawancara mendalam, dan studi dokumentasi. Analisis data dilakukan menggunakan model Miles dan Huberman yang meliputi reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa program pemberdayaan yang mencakup pelatihan, pendampingan, serta fasilitasi akses pasar dan teknologi dapat meningkatkan kapasitas dan daya saing UMKM secara signifikan. Selain itu, peningkatan proses pembelajaran dalam UMKM sangat penting untuk mendorong inovasi produk dan perbaikan kinerja usaha. Penelitian ini menyimpulkan bahwa strategi pengembangan UMKM harus terintegrasi dengan pemberdayaan sumber daya manusia, peningkatan akses permodalan, dan pemanfaatan teknologi digital. Dukungan kebijakan yang memudahkan akses pembiayaan dan regulasi yang ramah terhadap UMKM juga menjadi faktor penentu keberhasilan pengembangan sektor ini. Diharapkan, hasil penelitian ini dapat menjadi acuan dalam perumusan kebijakan dan program pemberdayaan UMKM yang lebih efektif, sehingga UMKM dapat tumbuh dan berkontribusi lebih optimal terhadap perekonomian nasional.