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All Journal Proceedings of Annual International Conference Syiah Kuala University - Social Sciences Chapter Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JOURNAL OF APPLIED BUSINESS ADMINISTRATION Jatilima : Jurnal Multimedia Dan Teknologi Informasi Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Jurnal Abdimas Bina Bangsa International Journal of Education, Social Studies, And Management (IJESSM) Proceeding International Seminar of Islamic Studies JURNAL PENGABDIAN AGRO AND MARINE INDUSTRY Jurnal Indonesia Sosial Sains Journal Research of Social Science, Economics, and Management Innovative: Journal Of Social Science Research Indonesian Journal of Advanced Research (IJAR) TOFEDU: The Future of Education Journal Riwayat: Educational Journal of History and Humanities Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research Jurnal El Rayyan: Jurnal Perbankan Syariah Jurnal Ilmiah Ekonomi Terpadu
Shifa, Mutiara
Akademi Manajemen Informatika Komputer MEDICOM, Indonesia
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Forecast Audit towards 2016 Gross Domestic Product as Influence of Financial Growth and the ASEAN Economic Community Preparation Mutiara Shifa
Proceedings of AICS - Social Sciences Vol 7 (2017): 7th AIC in conjuction ICMR 2017 Universitas Syiah Kuala October 2017
Publisher : Proceedings of AICS - Social Sciences

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (307.16 KB)

Abstract

As a country facing global challenges, it will be said as ready when it experiences domestic growth measured through gross domestic product (GDP). Welcoming the ASEAN economic community 2017, necessarily the role of growth will show the readiness of community as a whole. In this study, the author will predict the calculation of GDP based on the influences of the bank financing growth. In banking, GDP is an indicator of economic growth which is an important measure in explaining direct economic performance and a performance of economic actors providing goods and services including the banking industry. Economic growth can increase the cash flow of banks by increasing demand for financing from companies and households. During periods of strong economic growth, financing demand tends to increase. Because the financing that tends to obtain better profits.
FAKTOR - FAKTOR YANG MEMPENGARUHI PENGHIMPUNAN DEPOSITO MUDHARABAH PADA PERBANKAN SYARIAH DI INDONESIA Mutiara Shifa; Andri Soemitra; Sugiyanto Sugiyanto
Jurnal Indonesia Sosial Sains Vol. 3 No. 02 (2022): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (448.662 KB) | DOI: 10.59141/jiss.v3i02.521

Abstract

The purpose of this study is to identify and analyze the factors that influence the accumulation of deposits in Mudharabah, an Islamic bank in Indonesia. The independent variables in this study are interest rate (X1), inflation (X2) and savings (X3), and the dependent variable is Mudarabah deposits. This study adopts quantitative research method. Quantitative research is research that uses data in numerical form. The results of the study show that interest rates have no significant effect on the mudharabah deposit component of Islamic commercial banks in Indonesia. This means that there is no influence between the interest rate variable (X1) on Mudharabah Deposits, Inflation has a partially significant effect on mudharabah deposits at Islamic Commercial Banks in Indonesia. This means that the Inflation variable (X2) has a significant effect on Mudharabah Deposits, Financing To Deposit Ratio (FDR) has a partially significant effect on mudharabah deposits at Islamic Commercial Banks in Indonesia. This means that the effect of the FDR variable (X3) on Mudharabah Deposits, Interest Rates, Inflation, and FDR simultaneously (simultaneously) has a significant effect on Mudharabah Deposits at Islamic Commercial Banks in Indonesia
Analysis of Buying and Selling Practices Online in Islamic Law Perspective Mutiara Shifa
Journal Research of Social Science, Economics, and Management Vol. 1 No. 5 (2021): Journal Research of Social Science, Economics and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (282.755 KB) | DOI: 10.59141/jrssem.v1i5.42

Abstract

Economic behavior has been formed since humans began to need other individuals who have goods or services that they do not have. The form of buying and selling has developed following society and social changes. Advancements in communication and information have impacted progress in the business world. Long-distance buying and selling have become a prevailing habit in today's business world. Feel disadvantaged because the goods received do not match the picture or the goods received also turn out to be defective or the goods do not arrive at the buyer, and many other cases. Islamic law itself has regulated this buying and selling activity quite strictly, both in the arguments of Al -Qur'an, Hadith, Ijma', and also Qiyas. The purpose of this study was to determine whether the practice of buying and selling online is according to Islamic Law. This study uses descriptive qualitative research methods. The results found that buying and selling online is allowed as long as the goods or products being traded follow the specifications or characteristics of the goods that have been determined. Moreover, the type and nature of the goods to be bought are known. Islam is consensual. There is no coercion from any party to buy an item. If the buying and selling transaction online does not follow the provisions of Islamic law, which has established the terms of the contract and buying and selling, the online buying and selling transaction is unlawful or invalid.
Analysis of Financial Performance Measurement Sharia Bank Using RGEC and SCnp (Shariah Conformity and Profitability) Model Saparuddin Siregar; Mutiara Shifa
Journal Research of Social Science, Economics, and Management Vol. 1 No. 5 (2021): Journal Research of Social Science, Economics and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (4051.856 KB) | DOI: 10.59141/jrssem.v1i5.43

Abstract

The problem in this study is how the financial performance problems of BUMN Islamic banks using the RGEC and SCnP models and the comparison of the two methods. This study aims to determine the financial performance of state-owned Islamic banks using the RGEC and SCnP models and to compare the two methods. The type of research that the author uses is quantitative research. Data collection techniques using documentation through financial reports obtained from the official website of PT. BRI Syariah Tbk, PT. BNI Syariah, and PT. Bank Mandiri Syariah. The data analysis technique uses financial ratios and Sharia Conformity and Profitability (SCP) as measured by indicators of sharia conformity and profitability. The results showed that PT. BRI Syariah, Tbk in 2017, 2018, and 2019 based on the RGEC method, respectively, were at a composite rank of 3, while in the SCnP Model, each PT. BRI Syariah, Tbk is in the LLQ, LRQ, and LRQ quadrants. For PT. BNI Syariah in 2017, 2018, and 2019 based on the RGEC method was ranked 2, 2, and 1, respectively, while in the SCnP Model, PT. BNI Syariah is in the ULQ, ULQ, and URQ quadrants. Then PT. Bank Syariah Mandiri in 2017, 2018, and 2019 based on the RGEC method was respectively ranked 2, 2, and 1, while in the SCnP Model, PT. Mandiri Syariah Bank is in the next LLQ, LRQ, and URQ quadrants.
The Influence Of The Community And Village Empowerment Office (Dpmg) On Infrastructure Development (Case Study In Krueng Ceuko Village, Seunagan Sub-District, Nagan Raya District) Fazliadi, Bismi; Sani, Sri Rosmiati; Shifa, Mutiara
Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien) Vol. 4 No. 03 (2024): Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien)
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/jasmien.v4i03.496

Abstract

This research aims to determine the influence of the Community and Gampong Empowerment Service (DPMG) on Social Services, Development of Social Facilities and Development of Environmental Infrastructure in Krueng Ceuko Village, Seunagan District, Nagan Raya Regency. The data used in this research comes from secondary data obtained from the Central Statistics Agency (BPS) of Nagan Raya Regency. Then, to complete and support this research, the author also used library research and internet sources. The variables used are the Role of DPMG (Y) and Social Services, Development of Social Facilities and Development of Environmental Infrastructure as (X). The results of the research show that the Social Service Variable has a significant and partial positive effect on the Role of the Community and Gampong Empowerment Service (DPMG) in Case Study Infrastructure Development in Krueng Ceuko Village, Seunagan District, Nagan Raya Regency with a standard error of 0.046. The Social Facilities Development variable has a significant partial positive effect on the role of the Community and Gampong Empowerment Service (DPMG) in Infrastructure Development Case Study in Krueng Ceuko Village, Seunagan District, Nagan Raya Regency with a standard error of 0.235, the Environmental Infrastructure Development Variable has a significant partial positive effect on The Role of the Community and Gampong Empowerment Service (DPMG) in Infrastructure Development, Case Study in Krueng Ceuko Village, Seunagan District, Nagan Raya Regency with a standard error of 0.231. The variables Social Services, Development of Social Facilities and Development of Environmental Infrastructure simultaneously have a positive and significant effect in increasing the role of DPMG in Nagan Raya Regency.
ANALYSIS OF FINANCIAL INSTITUTIONS INCREASING UMKM SYARIAH IN INDONESIA Ariani, Dian; Ansari, Leli Putri; Shifa, Mutiara
Proceeding International Seminar of Islamic Studies INSIS 5 (March 2023)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

Usaha Mikro Kecil dan Menengah atau yang lebih dikenal dengan UMKM Syariah memiliki peran yang sangat penting dalam meningkatkan pertumbuhan negara. UMKM Syariah ini mampu bertahan pada tahun 1998 dibandingkan dengan perusahaan besar di Indonesia. Tujuan penelitian ini adalah menganalisis untuk mendorong perkembangan UMKM Syariah di Indonesia dan memberikan solusi dalam meningkatkan UMKM Syariah. Metode penelitian yang digunakan adalah penelitian kuantitatif. Hasil dari penelitian ini adalah UMKM Syariah yang mencari pembiayaan dengan sangat cepat, yang dapat digunakan dari berbagai pekerjaan, personal dan personal serta gaya hidup. Ya, ada juga UMKM Syariah yang tidak berinovasi atau bahkan terpuruk.Penurunan bisnis UMKM Syariah disebabkan oleh dua hal terkait kondisi ekonomi dan kondisi yang kurang menguntungkan.
PENGGUNAAN MATA UANG DINAR DAN DIRHAM SEBAGAI SOLUSI PREDIKSI KRISIS MONETER DI INDONESIA Shifa, Mutiara; Amalia, Alfi; Abd.Majid, M.Shabri; Marliyah, Marliyah
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 6 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (449.082 KB) | DOI: 10.32670/fairvalue.v4i6.992

Abstract

One of the main sources of the currency crisis experienced by Indonesia is the use of paper money that is not backed by gold. The data analysis technique used in this research is descriptive qualitative analysis, which is a method of data analysis by describing the description/conclusion of the use of the dinar and dirham currencies as a solution to the global economic crisis. The results of the research on the Dinar currency are a solution to the impact of using legal tenders in the world economy. because fiat currency will cause instability in the world economy, then to overcome this stable currency is the gold dinar. In the year 250m/648 H, the dinar was used as currency. Apart from being a currency, the dinar currency can also prevent currency depreciation. The Dinar is a stable currency. Why is that? Since the time of the Prophet Muhammad, the dinar currency has never experienced inflation or deflation. And the dinar is also made of gold. Gold prices remain stable. Even if there is a crisis in a country, the price of gold will remain stable. It has a stable value in every country and can promote domestic and international transactions. Dinar can also reduce speculation, manipulation and arbitrage. Dinar currency with the same value will be able to affect the level of speculation and arbitrage in the foreign exchange market, because differences in currency values will be difficult to occur. Dinar can also minimize recession and economic recession. Using the dinar in a country can also minimize the currency risk the country faces.
Penarikan Artikel Shifa, Mutiara
Jurnal Multimedia dan Teknologi Informasi (Jatilima) Vol. 5 No. 01 (2023): Jatilima : Jurnal Multimedia Dan Teknologi Informasi
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/jatilima.v5i01.410

Abstract

Penarikan Artikel
Analysis of Factors Affecting the Open Unemployment Rate Unemployment Rate in Indonesia in 2018-2022 Mahdy, Salim Imam; Manan, Afni Abdul; Shifa, Mutiara
Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research Vol. 2 No. 1 (2025): NOVEMBER 2024 - JANUARI 2025
Publisher : UNIVERSITAS SERAMBI MEKKAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32672/mister.v2i1.2513

Abstract

The purpose of this study is to determine the unemployment rate in Indonesia. If unemployment does not improve people's welfare based on per capita income. This study uses the years 2018 to 2022. This study uses panel data analysis. The value of the technical variable is 4.893448, the standard deviation value is 1.080620. Panel data regression is carried out. We test this survey data with data using panel data of dependent variables which include dependent variables, open unemployment rates, and independent variables.
EDUKASI TENTANG PENCEGAHAN KECURANGAN KEUANGAN (FRAUD) BAGI PELAKU UMKM Sandag, Eltie Christi; Durya, Ngurah Pandji Mertha Agung; Shifa, Mutiara; Hasan, Wahyudin; Saprudin, Saprudin
Jurnal Abdimas Bina Bangsa Vol. 6 No. 1 (2025): Jurnal Abdimas Bina Bangsa
Publisher : LPPM Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jabb.v6i1.1745

Abstract

Micro, Small and Medium Enterprises (UMKM) play an important role in the national economy. However, this sector often faces challenges related to financial management, especially in preventing financial fraud. Lack of understanding about transparent and systematic financial management can increase the risk of irregularities, which in turn can harm the UMKM business itself. This community service activity aims to provide education to UMKM players regarding the prevention of financial fraud through the application of good financial governance principles. The method used in this activity is an educational approach based on training and mentoring, which involves counseling sessions, interactive discussions, and simulations of implementing a transparent and accountable financial recording system. This activity was carried out in rural areas by involving a number of UMKM actors from various business sectors. The results of this activity showed an increase in participants' understanding of the types of financial fraud, the factors that cause it, and prevention strategies, including the implementation of a simple internal control system that can be applied according to the scale of their business. With this education, it is hoped that UMKM players will be more aware of the importance of good financial management and be able to implement fraud prevention measures in their business operations.
Co-Authors Abd.Majid, M.Shabri Aglis Andhita Hatmawan, Aglis Andhita Alfi Amalia Andri Soemitra Andri Soemitra Anzalita, Livia ARDIANSYAH ARDIANSYAH Arisna, Puput Dian Ariani Durya, Ngurah Pandji Mertha Agung Ertika, Yenny Fazliadi, Bismi Hamzah, Ramadhani Hartini Hasan, Wahyudin Hidayat, Muhammad Rahmat Husen, Tamitha Intassar Kambuaya, Anzek Mey Leli Putri Ansari M. Nasir Mahdy, Salim Imam Manan, Afni Abdul Marliyah, Marliyah Muliana, Muliana Musdirwan, Musdirwan Mustaqim, Al Mustaqin, Al Ningsih, Lia Sulistia Ningsih, Liasulistia Noval Suhendra Risma, Okta Rabiana Rusdi Rusdi Saiful Badli, Saiful Sandag, Eltie Christi Saparuddin Siregar Saparuddin Siregar Saprudin Saprudin, Saprudin Saputri, Lisa Indah Sari, Cindi Permata Sari, Yunidar Purnama Satria, Ahmad Saut Maruli Tua Pandiangan Silvia Silvia Sri Rosmiati Sani Sugiyanto - Sugiyanto Sugiyanto Suhendra, Noval Syahril Syahril Tanjung, Indra Ismayudi Zhafira, Nabila Hilmy