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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 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 Ragam Pengabdian Jurnal El Rayyan: Jurnal Perbankan Syariah Jurnal Ilmiah Ekonomi Terpadu
Shifa, Mutiara
Akademi Manajemen Informatika Komputer MEDICOM, Indonesia
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FAKTOR - FAKTOR YANG MEMPENGARUHI PENGHIMPUNAN DEPOSITO MUDHARABAH PADA PERBANKAN SYARIAH DI INDONESIA Shifa, Mutiara; Soemitra, Andri; 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 | 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
SWOT Analysis of the Impact of Textile Factory Closures on Employment: A Study from an Islamic Economic Perspective Shifa, Mutiara; Ardiansyah, Ardiansyah; Muliana, Muliana; Sari, Cindi Permata; Mustaqin, Al
Riwayat: Educational Journal of History and Humanities Vol 8, No 4 (2025): October
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v8i4.51089

Abstract

This study analyzes the impact of textile factory closures on employment in Indonesia using the SWOT (Strengths, Weaknesses, Opportunities, Threats) framework integrated with the maqid al-sharah principles of Islamic economics. A descriptive qualitative method was applied, utilizing secondary data from BPS, the Ministry of Industry, and academic publications from 20182024. The results show that the main strengths of the textile industry lie in production capacity and labor absorption, while its weaknesses include dependence on imported raw materials and weak financial management. Opportunities arise from industrial downstream policies and local cultural-based products, whereas threats stem from global competition and economic instability. The integration of SWOT analysis with maqid al-sharah emphasizes justice, social responsibility, and workers welfare as essential elements in ensuring the sustainability of Indonesias textile industry.
The Role of Special Autonomy Funds (Otsus) in Improving the Human Development Index (HDI) of Aceh (Panel Data Study 2015–2024) Shifa, Mutiara; Sani, Sri Rosmiati; Badli, Saiful; Hidayat, Muhammad Rahmat
Indonesian Journal of Advanced Research Vol. 4 No. 11 (2025): November 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijar.v4i11.15776

Abstract

This study examines the effect of the Special Autonomy Fund (Otsus) on the Human Development Index (HDI) in Aceh during 2015–2024 using panel data from 23 districts/cities and a Fixed Effect Model (FEM). The analysis includes Otsus funds, education expenditure, health expenditure, and regional investment as independent variables. The findings indicate that Otsus funds significantly improve HDI, with varying impacts across regions. Education and health spending further strengthen this effect, highlighting the importance of effective and targeted budget allocation. The study provides insights for improving the management of Otsus funds to support sustainable human development in Aceh.
Analisis pendapatan usaha mikro melalui pembiayaan produk Ar-rum BPKB Terhadap pendapat usaha mikro pada PT. Pegadaian syari'ah cabang Meulaboh Sianturi, Joel; Rosmiatisani, Sri; Ansari, Leli Putri; Shifa, Mutiara; Risma, Okta Rabiana
Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien) Vol. 5 No. 08 (2026): 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.v5i07.1948

Abstract

Perkembangan Usaha Mikro, Kecil, dan Menengah (UMKM) merupakan salah satu pilar utama dalam menopang perekonomian masyarakat, terutama dalam mengurangi kesenjangan sosial dan ekonomi antar golongan. Namun, keterbatasan akses terhadap modal usaha masih menjadi tantangan utama bagi pelaku usaha mikro. Penelitian ini bertujuan untuk menganalisis hubungan pembiayaan produk Ar-rum BPKB yang disalurkan oleh PT. Pegadaian Syariah Cabang Meulaboh terhadap pendapatan nasabah pelaku usaha mikro di Meulaboh, Kabupaten Aceh Barat. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang diperoleh dari responden penerima pembiayaan produk Ar-rum BPKB. Analisis data dilakukan menggunakan uji korelasi Spearman’s rho karena data penelitian tidak berdistribusi normal. Hasil penelitian menunjukkan bahwa pembiayaan produk Ar-rum BPKB memiliki hubungan positif, namun tidak signifikan secara statistik, terhadap pendapatan usaha mikro. Temuan ini mengindikasikan bahwa pembiayaan Ar-rum BPKB berpotensi memberikan kontribusi terhadap pendapatan usaha mikro, tetapi bukan merupakan satu-satunya faktor yang memengaruhinya. Penelitian ini diharapkan dapat memperkaya literatur mengenai pembiayaan mikro syariah dan menjadi
Pengaruh Dana Alokasi Khusus dan Kemandirian Fiskal Daerah terhadap Pertumbuhan Ekonomi di Kabupaten Aceh Barat Daya Muliana, Muliana; Shifa, Mutiara; Fajri, Rahman
Jurnal Ragam Pengabdian Vol. 3 No. 2 (2026): Mei-Agustus, Sustainable Development Goals (SDGs): Multidisciplinary Perspectiv
Publisher : Lembaga Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/72es8407

Abstract

Regional economic growth is influenced by a combination of dynamics in the real sector and the fiscal capacity of local governments in managing budgets and resources. This study aims to analyze the impact of the disbursement of the Special Allocation Fund and regional fiscal autonomy on economic growth in Southwest Aceh Regency. This study employs a quantitative approach using secondary time-series data for the period 2011–2024 obtained from the Central Statistics Agency and the Directorate General of Fiscal Balance. The analysis was conducted using multiple linear regression following tests for stationarity and classical assumptions. The results indicate that, when analyzed individually, the disbursement of the Special Allocation Fund and local fiscal autonomy do not have a significant effect on economic growth. Simultaneously, the two variables also did not show a significant effect. These findings indicate that changes in fiscal resources have not yet had a strong short-term impact on regional economic growth. Therefore, fiscal management needs to be directed toward productive activities, economic infrastructure, and the strengthening of leading sectors in order to create a multiplier effect on the regional economy.  
Co-Authors Abd.Majid, M.Shabri Abda Abda Aglis Andhita Hatmawan, Aglis Andhita Alfi Amalia Andri Soemitra Andri Soemitra Anzalita, Livia ARDIANSYAH ARDIANSYAH Arisna, Puput Baehaqi Dian Ariani Durya, Ngurah Pandji Mertha Agung Ertika, Yenny Fajri, Rahman Fazliadi, Bismi Hasan, Wahyudin Hidayat, Muhammad Rahmat Husen, Tamitha Intassar Kambuaya, Anzek Mey Leli Putri Ansari Liasulistia Ningsih M. Nasir Mahdy, Salim Imam Manan, Afni Abdul Marliyah, Marliyah Muliana, Muliana Mustaqim, Al Mustaqin, Al Noval Suhendra Risma, Okta Rabiana Rosmiatisani, Sri 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 Sianturi, Joel Silvia Silvia Sri Rosmiati Sani Sugiyanto - Sugiyanto Sugiyanto Suhendra, Noval Syahril Syahril Tanjung, Indra Ismayudi Zhafira, Nabila Hilmy