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All Journal EQUILIBRIUM Accounting Analysis Journal Economica: Jurnal Ekonomi Islam Journal of Islamic Economics, Management, and Business (JIEMB) Jurnal Pengabdian Masyarakat Bangsa Journal of Islamic Economic Laws
Saadah, Naili
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Energy Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Perencanaan Keuangan Islam Sederhana dalam Bisnis E-Commerce pada Pengguna Online Shop Saadah, Naili
Economica: Jurnal Ekonomi Islam Vol 9, No 1 (2018)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2018.9.1.2593

Abstract

Technological developments and digitalization in all sectors including the industrial sector force all industry players to follow if they want to survive. Behind the digitalization that targets all aspects of transactions, as a Muslim, there are basic rules that must still be used as guidelines, including not forgetting the aspects of sharia in dealing with it especially in the current era of globalization. This study will examine how e-commerce business as part of the industrial revolution synergizes with Islam which is implemented in the form of simple Islamic financial planning. Using ethnography studies and adjoining case study methods this study investigates two participants as micro-entrepreneurs who implement e-commerce. The results of the study prove that micro-entrepreneurs in the e-commerce business have implemented Islamic financial planning in a simple way through the allocation of specific budgets for worship needs such as zakat, infaq and alms in their financial planning.Perkembangan teknologi dan digitalisasi di semua sektor memaksa semua pelaku industri untuk mengikutinya jika ingin tetap bertahan. Di balik digitalisasi yang menyasar semua aspek transaksi, sebagai seorang muslim ada aturan dasar yang tetap harus dijadikan pedoman, di antaranya tidak melupakan aspek syariah dalam bermuamalah apalagi di era globalisasi saat ini. Penelitian ini akan mengkaji bagaimana bisnis e-commerce sebagai bagian dari revolusi industri bersinergi dengan Islam yang diimplementasikan dalam bentuk perencanaan keuangan Islam secara sederhana. Menggunakan studi etnograpi dan metode studi kasus yang berdampingan penelitian ini mengobsevasi dua partisipan sebagai pelaku usaha mikro yang menerapkan e-commerce. Hasil penelitian membuktikan bahwa pelaku usaha mikro dalam bisnis e-commerce telah menerapkan perencanaan keuangan Islam secara sederhana melalui pengalokasian anggaran khusus untuk kebutuhan ibadah, seperti zakat, infak dan sedekah dalam perencanaan keuangannya.
ETIKA PERTANGGUNGJAWABAN LINGKUNGAN DALAM BINGKAI AL-QUR’AN Saadah, Naili; Farida, Dessy Noor
EQUILIBRIUM Vol 7, No 2 (2019): EQULIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v7i2.4548

Abstract

Environmental responsibility (ER) is a topic that is often discussed lately. This is because the ecological crisis is increasingly alarming. massive natural exploration by the company as if not paying attention to the damage caused. land clearing, mining of natural energy sources and pollution are examples of activities that contribute to the destruction of nature. The problem of environmental damage today is no longer a problem that is separate from religion because, in reality, the destruction of nature is a result of the spiritual crisis of modern humans which causes greed. Departing from these conditions, this study questions how the ethics of environmental responsibility in the rules of Qur'an. Using a sample of companies registered with the Jakarta Islamic Index, this study seeks to explore facts based on the annual reports reported by the company. This research found an alarming fact, where there are still many companies registered in the Jakarta Islamic Index that have not fulfilled the ethics of environmental accountability as regulated in the Qur'an.
Love of Money, Religiosity, and Gender: How do These Affect the Ethical Perceptions of Public Accountants? Saadah, Naili; Samroh, Samroh
Accounting Analysis Journal Vol 10 No 1 (2021): March
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/aaj.v10i1.44736

Abstract

Ethics has always been an interesting issue to discuss in any discussion related to the professionalism of the world of accounting and auditing. Public scepticism towards the accounting profession is quite reasonable since there are not a few auditors and public accountants involved with financial scandals. Money for an individual is like a double-edged knife, on the one hand, it is a need, but it can also be a root of greed, no exception for an auditor. Therefore, this study aims to determine the effect of love of money on the ethical perceptions of public auditors. Whether there is an influence of the love of money on the ethical perceptions of public auditors and how does this affect it when faced with one’s religiosity and gender. Using the object of the research of auditors who are members of the public accounting firm in Semarang city, this research succeeded in collecting a sample of 43 auditors with the criteria of having had at least three years of experience as an auditor. The results prove that love of money has a direct effect on the ethical perceptions of public auditors. However, when the feeling of love of money is faced with religiosity and gender, it does not significantly influence auditors’ ethical perceptions. Therefore, it can be concluded that love of money is one’s attitude in general which is reflected in the behaviour of an auditor so that one’s love of money can directly influence an auditor’s ethical perception. Keywords: Love of Money; Religiosity; Gender; Ethical Perceptions
Love of Money, Religiosity, and Gender: How do These Affect the Ethical Perceptions of Public Accountants? Saadah, Naili; Samroh, Samroh
Accounting Analysis Journal Vol 10 No 1 (2021): March
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/aaj.v10i1.44736

Abstract

Ethics has always been an interesting issue to discuss in any discussion related to the professionalism of the world of accounting and auditing. Public scepticism towards the accounting profession is quite reasonable since there are not a few auditors and public accountants involved with financial scandals. Money for an individual is like a double-edged knife, on the one hand, it is a need, but it can also be a root of greed, no exception for an auditor. Therefore, this study aims to determine the effect of love of money on the ethical perceptions of public auditors. Whether there is an influence of the love of money on the ethical perceptions of public auditors and how does this affect it when faced with one’s religiosity and gender. Using the object of the research of auditors who are members of the public accounting firm in Semarang city, this research succeeded in collecting a sample of 43 auditors with the criteria of having had at least three years of experience as an auditor. The results prove that love of money has a direct effect on the ethical perceptions of public auditors. However, when the feeling of love of money is faced with religiosity and gender, it does not significantly influence auditors’ ethical perceptions. Therefore, it can be concluded that love of money is one’s attitude in general which is reflected in the behaviour of an auditor so that one’s love of money can directly influence an auditor’s ethical perception. Keywords: Love of Money; Religiosity; Gender; Ethical Perceptions
Islamic economic principles and the adoption of accounting information systems: perceptions of ease of use and usefulness in Indonesian MSMEs Solikhatin, Firda Aprilia; Saadah, Naili; Agriyanto, Ratno
Journal of Islamic Economics Management and Business (JIEMB) Vol. 6 No. 1 (2024)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2024.6.1.23496

Abstract

The Accounting Information System (SIA) is an important component in supporting the running of a business, especially in simplifying the financial recording process. The use of SIA can provide various benefits and convenience for its users. However, among Micro, Small, and Medium Enterprises (MSMEs), the use of SIA is still relatively low, due to various factors. This study aims to test and analyze the influence of perceived ease of use and perceived usefulness on the use of SIA in MSMEs, by integrating Islamic economic values such as fairness, efficiency, and transparency in financial management. These values play an important role in encouraging users to choose a system that not only facilitates the work process, but is also in line with sharia principles. This study uses primary data obtained through surveys, as well as secondary data from the Tegal Regency Cooperatives, SMEs, and Trade Office. The research sample consisted of 100 respondents who were MSME actors in Tegal Regency, with a sampling technique using the purposive sampling method. The independent variables in this study were perceived ease of use and perceived usefulness, and data analysis was carried out using multiple linear regression tests. The results showed that perceived ease of use and perceived usefulness partially had a positive and significant effect on the use of SIA. Simultaneously, these two variables also affect the use of SIA. The integration of Islamic economic values in the use of SIA has the potential to increase the awareness and commitment of MSME actors to a more efficient and transparent system, in accordance with Islamic principles
Developing Sustainable Hajj Funds: Innovative Cash Waqf Investment Models Fuadi, Nasrul Fahmi Zaki; Farida, Dessy Noor; Saadah, Naili; Ramadhani, Cintya Cindy Melania; Imron, Ali
Economica: Jurnal Ekonomi Islam Vol. 13 No. 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2022.13.2.19026

Abstract

The Indonesian Sharia Economic Masterplan (MEKSI) 2019-2024 presents a detailed plan for the growth of the Islamic financial industry. It focuses on combining the fiscal, commercial, and ZISWAF (Zakat, Infaq, Sadaqah, and Waqf) sectors to promote economic inclusivity. The objective of this study is to assess the management mechanism of the Hajj Fund by BPKH and investigate alternative investment models that make use of cash waqf to enhance the efficiency of fund management. The technique encompasses an extensive examination of existing literature, both qualitative and quantitative evaluations, interviews with relevant stakeholders, and a comparative analysis of successful models implemented in other countries. Financial modeling is utilized to simulate the effects of various asset allocation methods. The results suggest that integrating cash waqf into BPKH's current procedures can lead to considerable improvements. Cash waqf offers higher financial returns and larger social welfare benefits through targeted investments in Sharia-compliant financial instruments such as Sukuk. The iterative process of allocating and reinvesting income guarantees the long-term viability and expansion of Hajj funds. The study highlights the capacity of cash waqf to strengthen financial stability and social influence, in accordance with Islamic principles and promoting economic growth. These findings have significant ramifications for politicians and financial managers in enhancing the management of Hajj funds to more effectively cater to the needs of the Muslim community.
Islamic economic principles and the adoption of accounting information systems: perceptions of ease of use and usefulness in Indonesian MSMEs Solikhatin, Firda Aprilia; Saadah, Naili; Agriyanto, Ratno
Journal of Islamic Economics Management and Business (JIEMB) Vol. 6 No. 1 (2024)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2024.6.1.23496

Abstract

The Accounting Information System (SIA) is an important component in supporting the running of a business, especially in simplifying the financial recording process. The use of SIA can provide various benefits and convenience for its users. However, among Micro, Small, and Medium Enterprises (MSMEs), the use of SIA is still relatively low, due to various factors. This study aims to test and analyze the influence of perceived ease of use and perceived usefulness on the use of SIA in MSMEs, by integrating Islamic economic values such as fairness, efficiency, and transparency in financial management. These values play an important role in encouraging users to choose a system that not only facilitates the work process, but is also in line with sharia principles. This study uses primary data obtained through surveys, as well as secondary data from the Tegal Regency Cooperatives, SMEs, and Trade Office. The research sample consisted of 100 respondents who were MSME actors in Tegal Regency, with a sampling technique using the purposive sampling method. The independent variables in this study were perceived ease of use and perceived usefulness, and data analysis was carried out using multiple linear regression tests. The results showed that perceived ease of use and perceived usefulness partially had a positive and significant effect on the use of SIA. Simultaneously, these two variables also affect the use of SIA. The integration of Islamic economic values in the use of SIA has the potential to increase the awareness and commitment of MSME actors to a more efficient and transparent system, in accordance with Islamic principles
Peran Relawan Pajak dalam Meningkatkan Kepatuhan Wajib Pajak Melalui Edukasi Pengetahuan Pajak dan Sanksi Perpajakan di KPP Demak Hakimatunnisa, Aisyah; Izzah, Syifa’atul; Fatonah, Fatonah; Pratiwi, Dina Ayu; Saadah, Naili
Jurnal Pengabdian Masyarakat Bangsa Vol. 3 No. 3 (2025): Mei
Publisher : Amirul Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/jpmba.v3i3.2260

Abstract

Kepatuhan wajib pajak merupakan elemen fundamental dalam mendukung penerimaan negara. Namun, masih banyak masyarakat yang belum memahami kewajiban perpajakannya, baik karena keterbatasan akses informasi maupun rendahnya literasi pajak. Pengabdian ini bertujuan untuk meningkatkan kepatuhan pajak melalui keterlibatan relawan pajak dalam menyampaikan edukasi mengenai pentingnya pajak, kewajiban wajib pajak, serta sanksi yang berlaku jika tidak patuh. Program ini dilaksanakan pada kelompok pelaku UMKM dan masyarakat umum di Surabaya Timur. Hasil kegiatan menunjukkan adanya peningkatan signifikan dalam pemahaman dan kesadaran pajak masyarakat. Edukasi oleh relawan terbukti menjadi pendekatan efektif yang memperkuat hubungan antara otoritas pajak dan masyarakat.
The Embodiment of Corporate Social Responsibility in Sharia Enterprise Theory Saadah, Naili; Zakiy, Faris Shalahuddin; Agriyanto, Ratno
Journal of Islamic Economic Laws Vol 6, No 1: January 2023
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v6i1.21134

Abstract

The issue of disclosure of social responsibility by entities is a theme that has always been debated. This is none other than because the implementation of social responsibility disclosures carried out by companies to date still shows a real impact. It is only natural that stakeholders still question its reality. Answering the doubts of these stakeholders, the company's social responsibility began to become a concern. As proof of the accountability activities that have been carried out, this research is here to explore corporate social responsibility accountability based on the Shariah Enterprise Theory (SET) index. Using the research objects of in Indonesia, this research examines the annual reports published by 8 Sharia commercial banks in Indonesia as a source of data. With descriptive qualitative methods through conten analysis as an analysis knife to answer the formulation of the problem, namely how the level of disclosure of social responsibility that has been carried out using the Shariah Enterprise Theory (SET) index. The results of the study proved that 8 in vertical accountability to Allah showed that it was in accordance with the components and criteria that had been set in the Shariah Enterprise Theory (SET) index, while accountability to customers, accountability to employees and accountability to nature as a whole in reporting did not fully meet the components Shariah Enterprise Theory (SET) index. Especially in accountability to nature, it is still far from the component of Shariah Enterprise Theory (SET) index.
The effect of financial literacy and financial efficacy on individual financial management Saadah, Naili
Journal of Islamic Economics Management and Business (JIEMB) Vol. 2 No. 1 (2020)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2020.2.1.7688

Abstract

Purpose – This study aims to determine the effect of financial literacy and financial efficacy on financial management.Method – Using mixed methods, namely quantitative and qualitative, this study managed to collect a sample of 307 respondents.Result – This research provides evidence that the level of a person's financial knowledge can affect his financial management as well as his financial satisfaction, with these results directly this research strengthens the evidence that gender does not affect financial management. it's the habits or behaviors that lead someone to act.Implication – This research can be used to understand behavioral financial management in individual level.Originality – Many studies show that a society with good financial literacy will have an impact on the formation of a financially independent society. However, the problem here is that there is still discrimination against women regarding financial management. Basically, whether or not they are able to manage finances is not based on gender but on the behavior of the individual. To strengthen this, research is present to prove that individual behavior which includes the level of financial knowledge and financial satisfaction affects their financial management.
Co-Authors Ali Imron Dessy Noor Farida Faris Shalahuddin Zakiy, Faris Shalahuddin Fatonah Fatonah Fuadi, Nasrul Fahmi Zaki Hakimatunnisa, Aisyah Izzah, Syifa’atul Pratiwi, Dina Ayu Ramadhani, Cintya Cindy Melania Ratno Agriyanto Samroh, Samroh Solikhatin, Firda Aprilia