Article Per Year (5 Year)
p-Index From 2021 - 2026
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All Journal Jurnal Bisnis Dan Kajian Strategi Manajemen Eastasouth Journal of Effective Community Services International Journal of Kita Kreatif
Najla Najla
Universitas Syiah Kuala
Economics, Econometrics & Finance Social Sciences

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The Role of Entrepreneurial Characteristics and Islamic Financial Behaviour in Improving Business Performance Toward the Welfare of Mustahik Sheikha Naura; Muhammad Haris Riyaldi; Eka Nurlina; Najla Najla; Teuku Muhammad Syahrizal
International Journal of Kita Kreatif Vol 3, No 1 (2026): International Journals Kita Kreatif Vol. 3 No.1 Februari 2026
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/ijkk.v3i1.936

Abstract

This study aims to analyze the role of business performance as a mediating variable in the relationship between entrepreneurial characteristics and Islamic financial behavior on the welfare of Mustahik (Zakat recipients). The research was conducted through the BAZNAS Microfinance Village (BMV) Program in Banda Aceh using a quantitative approach with both primary and secondary data. The population consisted of micro entrepreneurs in Banda Aceh, with a sample of 103 determined using the Slovin formula and selected through purposive sampling based on predefined criteria. Data were analyzed using path analysis to examine both direct and indirect effects among the variables. The results of the study indicate that entrepreneurial characteristics and sharia financial behavior have a positive and significant effect on business performance. Moreover, entrepreneurial characteristicsalso have a positive and significant influence on the welfare of Mustahik. However, sharia financial behavior and business performance do not show a significant effect on Mustahik welfare. Furthermore, business performance is proven to partial mediatethe relationship between entrepreneurial characteristics and Mustahik welfare.Conversely, business performance does not mediate the relationship betweensharia financial behavior and Mustahik welfare non-mediation.
Improving the Capacity of Rice Farmers Through Micro-Business Management and Information Technology Training in Pematang Johar Village Elisabeth Nainggolan; Joni Joni; Widalicin Januarty; Najla Najla; Loo Teck Khun; Phan Bao Giang; Annisa I. Hafifa Siregar
Eastasouth Journal of Effective Community Services Vol 4 No 02 (2025): Eastasouth Journal of Effective Community Services (EJECS)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/ejecs.v4i02.506

Abstract

This community service activity aims to improve the capacity of rice farmers in Pematang Johar Village through micro-business management training and the use of information technology in agricultural activities. Farmers' low business management skills and limited access to agricultural information are major obstacles to increasing productivity and income. The activity was implemented through socialization, training, mentoring, and evaluation. The results showed an increase in farmers' understanding of farm management, simple financial record keeping, and the ability to use Android-based agricultural applications. This activity encourages farmers to manage their farms more efficiently, transparently, and sustainably.
ShopeePay Later Restrictions in Aceh: A Study of Qanun No. 11 of 2018 and Consumer Protection Teuku Muhammad Syahrizal; Najla Najla; Rusdi Rusdi
Jurnal Bisnis Dan Kajian Strategi Manajemen Vol 9, No 2 (2025): JURNAL BISNIS DAN KAJIAN STRATEGI MANAJEMEN
Publisher : universitas teuku umar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35308/jbkan.v9i2.13350

Abstract

The development of fintech and e-commerce in Indonesia has triggered a transformation in consumer behavior, one of which is through Paylater services that provide instant access to financing. However, in Aceh, these services are inaccessible due to the implementation of Aceh Qanun No. 11 of 2018 on Sharia Financial Institutions, which requires all financial activities to be based on sharia principles and prohibits the practices of usury, gharar, and maisir. This study aims to analyze the relationship between the Qanun on Sharia Financial Institution and the protection of Muslim consumers in the context of fintech and e-commerce development, with a focus on the case of ShopeePay Later restrictions. The research method employed is a descriptive qualitative approach, utilizing a literature study and regulatory analysis. The findings indicate that the restrictions on ShopeePay Later in Aceh represent not only the enforcement of local law but also a strategy to safeguard Muslim consumers from non-Sharia financial practices. These results confirm that the Qanun on Sharia Financial Institution functions as both a legal instrument and a mechanism for securing Islamic values in digital transactions. Furthermore, this regulation encourages fintech and e-commerce innovation to deliver Sharia-based products, so that consumer protection does not become an obstacle but rather an opportunity.
Co-Authors Annisa I. Hafifa Siregar Eka Nurlina Elisabeth Nainggolan joni joni Loo Teck Khun Muhammad Haris Riyaldi Phan Bao Giang Rusdi Rusdi Sheikha Naura Teuku Muhammad Syahrizal Widalicin Januarty