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All Journal Journal of Management and Business Innovations Jurnal Riset Akuntansi dan Bisnis Indonesia Jurnal Pemberdayaan Kepada Masyarakat Sapientia Diversalis: Journal of Human Interaction and Social Studies Capitalis: Journal of Economic Stability, Banking, and Investment
Nabila Tijani Tharifah
Universitas Negeri Medan
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pendampingan Masyarakat dalam Meningkatkan Kesejahteraan Rumah Tangga di Jalan Rela Kecamatan Medan Timur Nabila Tijani Tharifah; Sakina Balqis; Debi Masri; Muammar Rinaldi
Battuta-Jurnal Pemberdayaan Masyarakat Vol 2 No 3 (2025): Edisi September
Publisher : LPPM Universitas Battuta

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Abstract

Kegiatan pengabdian kepada masyarakat ini dilaksanakan dengan tujuan untuk meningkatkan kesejahteraan rumah tangga melalui pendampingan keterampilan usaha dan pengelolaan keuangan keluarga di Jalan Rela Kecamatan Medan Timur. Kondisi awal menunjukkan bahwa sebagian besar masyarakat bekerja di sektor informal dengan pendapatan rendah dan tidak menentu, sehingga banyak keluarga kesulitan dalam memenuhi kebutuhan dasar. Permasalahan lain yang ditemukan adalah rendahnya keterampilan usaha, keterbatasan akses permodalan, serta minimnya pemahaman tentang manajemen keuangan rumah tangga. Metode pelaksanaan kegiatan menggunakan pendekatan partisipatif dengan melibatkan 20 rumah tangga sebagai sampel. Tahapan kegiatan meliputi survei awal, sosialisasi program, pelatihan keterampilan usaha sederhana, penyuluhan manajemen keuangan keluarga, serta pendampingan intensif. Hasil kegiatan menunjukkan adanya peningkatan kesadaran masyarakat dalam mengelola keuangan, terbentuknya pencatatan sederhana pada keuangan keluarga, serta munculnya usaha kecil berbasis rumah tangga, seperti penjualan makanan ringan dan produk olahan sederhana. Kegiatan ini memberikan dampak positif berupa peningkatan motivasi masyarakat untuk mandiri secara ekonomi serta membuka peluang usaha baru bagi keluarga. Namun, masih terdapat kendala pada keterbatasan modal dan pemasaran produk. Oleh karena itu, diperlukan tindak lanjut berupa fasilitasi akses permodalan dan pelatihan lanjutan berbasis digital marketing.
TRANSFORMASI PERILAKU BELANJA KONSUMEN DAN OMZET PEDAGANG PAKAIAN DI ERA ONLINE SHOP: STUDI KASUS DI KOMPLEK MMTC PANCING MEDAN Atika Azwah Mrp; Ivana Paskanita Sidauruk; Rafina Wildaniah; Fahmi Fahreza; Nasirwan Nasirwan; Nabila Tijani Tharifah
Jurnal Riset Akuntansi dan Bisnis Indonesia STIE Widya Wiwaha Vol 6 No 2 (2026): Jurnal Riset Akuntansi dan Bisnis Indonesia
Publisher : Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32477/jrabi.v6i2.1405

Abstract

The development of online shops has significantly changed consumer purchasing patterns and created challenges for clothing retailers. This research was conducted to examine changes in consumer shopping behavior and their implications for the revenue of clothing retailers in the MMTC Pancing Complex, Medan. A descriptive qualitative approach was employed in this study. Research data were obtained through interviews, observations, and documentation involving ten clothing store owners and ten consumers selected using purposive sampling. The collected data were analyzed using the Miles and Huberman interactive model, which includes data reduction, data display, and conclusion drawing. The results show that online shops have influenced consumer behavior, particularly in searching for information, comparing prices, and making purchasing decisions. Consumers are increasingly attracted to online shopping because of its convenience, competitive pricing, promotional offers, and wider product variety. Furthermore, the presence of online shops has affected the sales performance and revenue of clothing retailers, although the impact varies among businesses. The study concludes that the growth of online shops has encouraged shifts in consumer behavior and required retailers to adopt adaptive strategies to sustain their businesses in the digital era.
Civic Participation and Governance in Sustainable Development Initiatives: Evidence from Indonesia Mappasessu Mappasessu; Nabila Tijani Tharifah; Sunusi Dauda
Journal of Human Interaction and Social Studies Vol. 1 No. 1 (2026): :February: Sapientia Diversalis: Journal of Human Interaction and Social Studie
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/8nmdwd89

Abstract

This study examines how institutionalized civic participation shapes governance performance and sustainability outcomes across Indonesian localities through an empirical mixed-methods design integrating survey modeling and qualitative inquiry. Quantitative findings demonstrate that participatory intensity predicts governance responsiveness, policy learning capacity, and sectoral sustainability performance, while qualitative evidence reveals that deliberative forums operate as adaptive interfaces connecting citizen knowledge with administrative decision-making. Cross-scalar coordination emerges as a central mechanism through which participation enhances procedural legitimacy, collective efficacy, and institutional trust, particularly when civil society mediation and digital engagement infrastructures expand inclusivity and accountability. Environmental initiatives illustrate how participatory practices embed sustainability norms into routine governance, producing iterative feedback loops that strengthen implementation resilience. Persistent structural constraints, including uneven institutional capacity and symbolic inclusion, moderate these gains and highlight the necessity of organizational reform. The study contributes a multi-layered analytical framework that conceptualizes participation as a governance technology capable of generating measurable sustainability dividends when supported by institutional coherence, digital competence, and civic learning, advancing theoretical and methodological debates on participatory sustainability governance.
Central Bank Digital Currencies and Monetary Stability: A Policy-Oriented Review of Global Regulatory Frameworks Nabila Tijani Tharifah; Muttorik Alil Abasir
Capitalis: Journal of Economic Stability, Banking, and Investment Vol. 1 No. 1 (2026): March: Capitalis: Journal of Economic Stability, Banking, and Investment
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

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Abstract

This study examines the relationship between Central Bank Digital Currencies (CBDCs) and monetary stability through a structured, policy-oriented review of global regulatory frameworks. Adopting a non-empirical conceptual–analytical approach, the research integrates doctrinal regulatory analysis with systematic literature synthesis to construct an interpretative framework linking CBDC design architecture, banking intermediation safeguards, and cross-border macroprudential coordination to stability outcomes. Comparative institutional mapping across advanced, emerging, and developing economies reveals that monetary stability is conditioned by regulatory calibration rather than technological form. Retail CBDC models incorporating tiered remuneration and policy corridor integration demonstrate stronger transmission coherence, while frameworks lacking adaptive safeguards exhibit heightened exposure to deposit substitution risk. Banking sector resilience is reinforced where liquidity backstops, dynamic monitoring, and prudential instruments operate cohesively. Cross-border interoperability introduces systemic externalities that necessitate harmonized supervisory standards to prevent regulatory fragmentation and contagion. The findings advance a governance-centered understanding of digital currency reform, emphasizing that sustainable monetary stability in the digital era depends on multilayered institutional design aligned with macrofinancial discipline.
Nature-Related Financial Risks and Their Emerging Role in Banking Regulation and Sustainable Investment Ariawan Ariawan; Nabila Tijani Tharifah; Anggun Wida Prawira; Sahal Hanafi
Capitalis: Journal of Economic Stability, Banking, and Investment Vol. 1 No. 2 (2026): : June: Capitalis: Journal of Economic Stability, Banking, and Investment
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

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Abstract

This study examines the transmission channels of nature related financial risks into the global banking sector and sustainable investment portfolios through a non linear macroeconomic modeling framework. Utilizing panel vector autoregression and structural equation modeling on secondary data from systemically important commercial banks, the paper evaluates the compounding impacts of physical ecosystem shocks and macroprudential regulatory transitions. The empirical results reveal that localized physical vectors, such as hydrological stress and soil degradation, function as leading indicators for escalating non performing loan ratios and deteriorating asset qualities. Furthermore, sudden regulatory realignments and capital requirement adjustments generate material transition pressures that amplify structural frictions within institutional business models. The findings indicate that current generalized biodiversity screening tools fail to capture site specific project risks, thereby inflating portfolio risk exposures. This research concludes that safeguarding macrofinancial stability requires a comprehensive structural reorientation, shifting from carbon centric perspectives toward unified double materiality prudential frameworks that enforce biodiversity transparency and effectively mobilize private capital toward verifiable ecological restoration.
The Influence of Work Performance Assessment on Employee Performance at PT. Dayton Motor Bali Agape Anjumarito Panjaitan; Nabila Tijani Tharifah
Journal of Management and Business Innovations Volume: 07, Number: 02, 2025
Publisher : Management Department Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/jombi.v7i02.26316

Abstract

This study examines the influence of performance appraisal on employee performance at PT. Dayton Motor Bali using a quantitative associative approach. Data were collected from all 30 employees through a structured questionnaire with a five-point Likert scale and analyzed using simple linear regression. The findings indicate that performance appraisal has a positive and significant effect on employee performance. The results imply that fairness, objectivity, and transparency in appraisal systems contribute to enhancing employees' work outcomes and motivation. Theoretically, the study supports the integration of Equity and Expectancy Theories in explaining motivation through fair evaluation systems, while practically, it provides insights for improving transparent and data-driven appraisal mechanisms in organizations.Keywords: Employee Performance, Fairness, Human Resource Management, Objectivity, Performance Appraisal, Transparency
Co-Authors Agape Anjumarito Panjaitan Anggun Wida Prawira Ariawan, Ariawan Atika Azwah Mrp Debi Masri Fahmi Fahreza Ivana Paskanita Sidauruk Mappasessu Mappasessu Muammar Rinaldi Muttorik Alil Abasir Nasirwan Nasirwan Rafina Wildaniah Sahal Hanafi Sakina Balqis Sunusi Dauda