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All Journal JCES (Journal of Character Education Society) Scientific Journal of Reflection : Economic, Accounting, Management and Business TheJournalish: Social and Government Target : Jurnal Manajemen Bisnis DIMAR: Jurnal Pendidikan Islam Jurnal Tika International Journal of Economics (IJEC) Journal of Artificial Intelligence and Digital Business Mestaka: Jurnal Pengabdian Kepada Masyarakat Jurnal Masyarakat Madani Indonesia Al-'Aqdu: Journal of Islamic Economics Law Lunggi Journal Journal of Management, Entrepreneurship and Tourism Kreativasi: Journal of Community Empowerment Journal of Educational Research and Practice Jurnal Pengabdian Pada Masyarakat IPTEKS
Zahrah, Zahrah
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Medicine & Pharmacology Public Health Social Sciences Other

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Trade Openness and Unemployment: A Panel Cointegration for the G20 Countries Zahrah, Zahrah; Hendri, Wira; Febriana, Widia
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.929

Abstract

In 1999, G20 was formed to provide a new mechanism for extending the key economic and financial policy issue and promote co-operation for gaining stable and sustainable world economic growth. The world trading system creates a new founded trade and investment working group which impact on the high productions due to the trade openness through the high job opportunities. However, there is different effects founded between trade openness and unemployment among G20 countries. A notable research gap in this study is the absence of congruence between the results of previous studies and the phenomena observed in the field, particularly in the context of a more extensive population sample, specifically the G20 countries. It urges a further examination trade openness and unemployment in order to gain a comprehensive understanding of the current state of affairs. It used the data spanning over 25 years (1999 – 2023) in G20 Countries for unemployment, trade openness, GDP, Government Expenditure in Education, Trade and Investment Freedom. The analysis of model used Panel Unit Root Test, Panel Cointegration Test as well as FMOLS and DOLS estimator. The result shows that all variables are cointegrated for the entire G20 countries in long-run relationship. However, the GDP has significant and negative effect on unemployment rate but GEE has positive relationship even it has significant effect towards unemployment rate. While trade and investment freedom have negative and unsignificant effect on unemployment rate, whereas the trade openness has a positive nexus with unemployment rate.
Analysis of The Effectiveness of Cloud-Based Operations Management in Digital SMES Febriana, Widia; Yoga Sumadewa, I Nyoman; Anggriani, Rini; Zahrah, Zahrah
JMET: Journal of Management Entrepreneurship and Tourism Vol. 3 No. 2 (2025): July, Journal of Management Entrepreneurship and Tourism (JMET)
Publisher : Sumber Belajar Sejahtera

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61277/jmet.v3i2.198

Abstract

The rapid development of digital technology has encouraged Micro, Small and Medium Enterprises (MSMEs) to adopt cloud-based operation management systems. This study aims to analyze the effectiveness of cloud technology implementation in supporting the operational activities of digital-based MSMEs, especially in the aspects of work efficiency, decision making, and adaptation to market changes. The method used is a qualitative approach with case studies on several MSMEs that have implemented cloud systems in their operational management. Data were collected through in-depth interviews, direct observation, and documentation of operational activities. The results show that the use of cloud-based systems has a positive impact on increasing operational efficiency, data transparency, and flexibility in resource management. In addition, MSMEs that utilize this technology tend to be more adaptive to market dynamics and faster in responding to customer needs. However, there are also some challenges, such as limited digital literacy and dependence on a stable internet connection. In conclusion, cloud-based operation management is an effective solution for digital-based MSMEs, although a sustainable mentoring and training strategy is needed for optimal and sustainable implementation
Pengaruh Inflasi, Institutional Ownership dan Managerial Ownership Terhadap Financial Performance pada Perusahaan Sektor Rokok yang Terdaftar di Bei Azmi, M. Rafif; Zahrah, Zahrah; Nirwana, Baiq Nadia; Hendri, Wira; Marswandi, Ega Dwi Putri
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2130

Abstract

The cigarette industry is undergoing rapid change and contributes significantly to Indonesia's national income through excise taxes. However, the cigarette industry faces challenges from the macroeconomy and pressure from the government, such as regulatory pressure, health policies, tightening regulations on cigarettes, and annual increases in excise taxes, which put pressure on the cigarette industry in Indonesia. The purpose of this study is to examine and analyze the partial effects of inflation, institutional ownership, and managerial ownership on the financial performance of tobacco companies listed on the Indonesia Stock Exchange (IDX). Additionally, the study aims to examine and analyze the simultaneous effects of inflation, institutional ownership, and managerial ownership on the financial performance of tobacco companies listed on the IDX. The type of research used is associative causal with a quantitative approach, and the analysis technique used is panel data involving four tobacco companies over an eight-year observation period from 2017 to 2024. The sample data was processed using E-Views 12, totaling 32 samples. The results show that inflation has no partial effect on financial performance. Meanwhile, institutional ownership and managerial ownership have a partial positive effect on financial performance. Simultaneous testing shows that the three independent variables in this study have a simultaneous effect on financial performance.
Pengaruh Inflasi, Suku Bunga dan Nilai Tukar Rupiah Terhadap Harga Saham pada Industri Ritel Putri, Tita; Talidobel, Susilo; Zahrah, Zahrah; Assa’ady, M Chotibul Umam
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2226

Abstract

Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh inflasi, suku bunga, dan nilai tukar rupiah terhadap harga saham pada sektor ritel yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2019-2024. Penelitian ini menggunakan pendekatan kuantitatif dengan metode regresi data panel. Sampel penelitian terdiri dari 22 perusahaan subsektor ritel yang dipilih menggunakan teknik purposive sampling berdasarkan kriteria tertentu. Data yang digunakan merupakan data sekunder yang diperoleh dari laporan keuangan, yahoo finance, publikasi otoritas keuangan, dan data pasar saham. Hasil penelitian menunjukkan bahwa inflasi berpengaruh negatif terhadap harga saham, suku bunga berpengaruh positif dan signifikan terhadap harga saham dan nilai tukar rupiah berpengaruh negatif dan signifikan terhadap harga saham. Secara simultan, ketiga variabel makroekonomi tersebut berpengaruh signifikan terhadap harga saham. Temuan ini menunjukkan bahwa kondisi makroekonomi memiliki peran penting dalam menentukan kinerja saham di sektor ritel. Penelitian ini memberikan implikasi bagi investor, pelaku usaha, dan pembuat kebijakan untuk mempertimbangkan faktor-faktor makroekonomi dalam pengambilan keputusan investasi.
Peningkatan Kemampuan Mahasiswa dan Pendampingan dalam Pembuatan Nomer Induk Berusaha (NIB) dan Sertifikat Halal Produk UMKM Zahrah, Zahrah; Makiah, Makiah; Widiyasti, Baiq Dinna; Patty, Elyakim Nova Supriyedi
Jurnal Pengabdian Pada Masyarakat IPTEKS Vol. 2 No. 2: Jurnal Pengabdian Pada Masyarakat IPTEKS, Juni 2025
Publisher : CV. Global Cendekia Inti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71094/jppmi.v2i2.120

Abstract

Collaboration between the business world and academic institutions serves as the cornerstone for fostering economic growth. However, in practice, the management of legality remains a challenge for MSMEs and students, who lack a clear understanding of how to manage it. Consequently, the importance of community service, particularly in the management of NIB and Halal Certificates, cannot be overstated. This community service activity was designed for students and 26 MSMEs in Mataram City and West Lombok Regency, employing a community service approach that was structured into two sessions: the first session is the provision of materials, while the second session focused on counseling and direct mentoring. This initiative spanned one year (from May 2024 to May 2025) in accordance with the stipulated free halal certificate quota allocated by the government program. The outcomes of this community service initiative encompassed students' mastery of the advantages of business legality and the process of acquiring NIB and Halal Certificates, students assisted business owners in obtaining these two legal documents, and facilitated the acquisition of NIB and Halal certificates for business owners more easily and effectively through the collaborative of community service team and students who had undergone training by the community service team.
Sistem Pakar Diagnosa Gejala Awal Penyakit Stroke Dengan Menggunakan Metode Fuzzy Iqbal, Iqbal; Zahrah, Zahrah
Jurnal Tika Vol 7 No 3 (2022): Jurnal Teknik Informatika Aceh
Publisher : Fakultas Ilmu Komputer Universitas Almuslim Bireuen - Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51179/tika.v7i3.1538

Abstract

The influence of the development of computer science has touched various fields, for example in the fields of medicine, military and others. Given the rapid development of increasingly advanced technology, especially in the field of computers, many people use computers as a tool. Also included in the medical field, computers have been included in it as a tool to do a job or identify a certain disease that facilitates human work. To determine the type of disease and how to overcome it and use the Waterfall method for system development. This expert system will also use the concept of Certainty Factor. This application is made using the PHP programming language and MySQL database as a place to store the data needed in making the application. Adobe Dreamweaver for Web design. This research produces a web-based stroke diagnosis expert system application so that it can help users to obtain the desired information. The preparation of this expert system is in the form of users and admins. Through this system, the user can identify the disease based on the symptoms that attack it. The system also has the ability to add, update, and delete features and symptoms along with the results of consultations conducted by the admin
Implementation of Internal Marketing Mix Increasing Sales According to Islamic Economics (Case Study of Kita Merlung Family Building Store) Zahrah, Zahrah; Rosmanidar, Elyanti; Ferdiansyah, Wahyu; Yuniar, Vita; Ramli, Fauzan; Fitri, Sasmita; Fahrurrozi, Fahrurrozi
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.965

Abstract

Marketing mix (marketing mix) is used to achieve marketing objectives. Using a qualitative research method, a descriptive approach. The findings show that the implementation of the marketing mix increases the sales volume at the Kita Family Building Store, namely in terms of products it still focuses on building equipment such as cement, sand, bricks, etc. Marketing it using media is very simple and according to the Islamic Economics Perspective, the implementation of the marketing mix for Our Family Building Store is in accordance with Islamic marketing. To a large extent, the concept of Islamic marketing is in accordance, namely in terms of products, always being honest and prioritizing product quality. In terms of price, set the price according to the quality of the product. then in terms of promotion, always emphasize ethics in business, don't cheat, don't sell products that are forbidden by religion, never force consumers to buy their products, don't badmouth other people's businesses in marketing their products and from distribution places/channels, namely providing a sense of comfort and easy access for consumers.
Determinants of Net Interest Margin in Conventional Commercial Banking: A Fixed Effect Model Safitri, Erika Zain; Zahrah, Zahrah; Saputra, Sahdan; Anwar, Mohammad Ziad
Target : Jurnal Manajemen Bisnis Vol. 6 No. 2 (2024): Target : Jurnal Manajemen Bisnis
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/target.v6i2.4816

Abstract

Banking is a business entity that collects funds from the public in the form of deposits and distributes them to the public in the form of loans and other services to improve the lives of many people. This study aims to analyze the influence of various factors such as capital adequacy, credit risk and bank size on the net interest margin of conventional banks in Indonesia. The method used in this study was associative quantitative, and secondary data in this study was obtained from the annual financial statements of several conventional banks in Indonesia during the period 2018-2022. Data analysis was conducted using panel data regression analysis to test the effect between independent variables consisting of capital adequacy ratio (CAR), non-performing loans (NPL), and bank size (Size) on net interest margin (NIM). The data was processed using E-Views 12. The results of this study indicate that only capital adequacy has a positive and insignificant effect on NIM, while NPL and bank size have a negative and significant effect on NIM. The findings of this study imply that in order to enhance NIM, companies can optimize CAR, thereby attaining optimal profits and minimizing investment risk. The results of this study also contribute as a reference and an overview of the factors that influence NIM in conventional commercial banks before investing.
Pengaruh Inklusi Keuangan, Persepsi Risiko dan Persepsi Persepsi Kemudahan terhadap Konsumen Pinjaman Online Azmi, Nurul; Widiyasti, Baiq Dinna; Zahrah, Zahrah; Hendri, Wira; Dethan, Stevany Hanalyna
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 8 No. 4 (2025): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v8i4.1255

Abstract

The rapid growth of online loan platforms has transformed access to credit, especially for individuals who face barriers to traditional financial services. In Lombok Island, West Nusa Tenggara, Indonesia, honorary teachers often experience limited access to formal financing and have relatively low incomes, making them particularly vulnerable to financial risks and overindebtedness due to the increasing use of online loans. This study aims to empirically investigate how financial inclusion, risk perception, and perceived ease of use influence the behavior of online loan consumers, focusing specifically on this group of teachers. Using a quantitative research approach, data were collected from 100 honorary teachers through a structured survey. The instruments used in the study underwent validity and reliability testing, confirming their accuracy and consistency for the research context. The results of multiple linear regression analysis indicate that financial inclusion, risk perception, and perceived ease of use simultaneously and individually exert a positive and significant impact on the online loan consumption behavior of teachers. Notably, perceived ease of use emerged as the most influential factor, suggesting that the simplicity and convenience of accessing fintech lending platforms play a crucial role in driving adoption among this vulnerable population. These findings provide important insights for policymakers and financial educators to develop targeted financial literacy programs and inclusive fintech services. By emphasizing ease of use while addressing risk awareness and financial accessibility, stakeholders can better protect honorary teachers and similar vulnerable groups from the potential pitfalls associated with online loans, fostering safer and more responsible financial behavior.
Strengthening Management of Local Human Resources to Create A Sustainable Green Tourism Destination at Lantan Zahrah, Zahrah; Makiah, Makiah; Anggara, Bagas; Purnama, Laela; Rafles, Rafles
Jurnal Masyarakat Madani Indonesia Vol. 4 No. 4 (2025): November
Publisher : Alesha Media Digital

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59025/ppt4nh75

Abstract

There are still various challenges to develop sustainable tourism villages especially on human resources such as limited technical guiding skills in conveying information about local tourism attractions based on the green economy, limited effective interaction, minimal understanding of local communities regarding digital marketing strategies and the lack of adequate technology to produce more efficient production in terms of time and costs so they have other alternatives to generate income. This community service aims to improve the local human resource capacity in Lantan Village, Central Lombok, to develop a sustainable green tourism through doing a guide and tourism vocabulary training, strengthening the branding of coffee as the village's flagship product, mentoring in developing partnership proposals, and empowering in managing coffee product as competitive advantages. The methods included interactive lectures, conversation simulations, small group discussions, pronunciation drills, pre and post-tests. The results of the activity showed a significant increase in participants' understanding of how to guide tours, build branding, improve basic English communication skills, and coffee product management particularly in the process of peeling coffee beans from the skin and faster in roasting coffee. This activity significantly contributed to increasing Lantan Village's readiness to develop itself as a sustainable green tourism destination.
Co-Authors Adi Ansari, Adi Alfia, Kharunia Anggriani, Rini Assa’ady, M Chotibul Umam Atma, Wahyu Juni Azmi, M. Rafif Bagas Anggara Baiq Dinna Widiyasti Baiq Nadia Nirwana Budiarta, Meiza Ariya Ega Dwi Putri Marswandi Elyakim Nova Supriyedi Patty, Elyakim Nova Supriyedi Elyanti Rosmanidar, Elyanti Fahrurrozi Fahrurrozi Fauzan Ramli Ferdiansyah, Wahyu Fihrin Fihrin Fitri, Sasmita Hafidz , Muhammad Hafidz, Indriani Puspita Hery Widijanto Hifza, Hifza I Nyoman Yoga Sumadewa Iqbal Iqbal Jati, Lalu Jatmiko MAKIAH Mohammad Ziad Anwar Mubaraq, Muhammad Zaki Musyadat, Asep Anwar Ni’amillah, Ni’amillah Nurul Azmi, Nurul Purnama, Laela Putri, Tita Qulub, Mudawil Rafles, Rafles Resekiani Mas Bakar Safitri, Erika Zain Saputra, Sahdan Sari, Diah Ayu Puspita Saripah Saripah, Saripah Sholeh, Makherus Singkali, Yemima Dirma Stevany Hanalyna Dethan Subli, Mohamad Susilo Talidobel Syam, Rahmawati Widia Astuti Widia Febriana, Widia Widyati, Baiq Dinna Wira Hendri Yuliana, Ika Yuniar, Vita Yusuf Kendek Zalsabila, Zeika