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All Journal Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) International Journal of Applied Finance and Business Studies IQRA : Jurnal Magister Pendidikan Islam Journal of Innovative and Creativity FORUM EKONOMI: Jurnal Ekonomi, Manajemen dan Akuntansi Journal of Management Branding
SUJAI, MUHAMMAD
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Digital Financial Inclusion: Examining The Role of Mobile Technology in Expanding Access to Capital Alfiana, Alfiana; Putri, Andiena Nindya; Sujai, Muhammad; Amalo, Fitriningsih; Hertina, Dede
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 1 (2025): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i1.3806

Abstract

Digital financial inclusion has become a key priority in efforts to reduce economic disparities, particularly among underserved populations by formal financial institutions. This study aims to examine the role of mobile technology in expanding access to capital by reviewing recent literature. Mobile technology offers practical solutions for individuals and small businesses to access financial services, such as microcredit, money transfers, and savings, without relying on traditional banking infrastructure. Furthermore, the adoption of this technology has been shown to accelerate financial inclusion in developing countries, where access to financial services is often constrained by geographical and economic factors. However, this study also highlights emerging challenges, such as low digital literacy, limited network coverage, and data security concerns. The findings provide valuable insights for policymakers, financial service providers, and technology stakeholders to develop more inclusive and sustainable strategies. Thus, mobile technology has significant potential to become a key driver in achieving broader financial inclusion in the future
Pengaruh Budaya Organisasi Dan Lingkungan Kerja Terhadap Kepuasan Kerja Pegawai Pada Kantor Kementerian Agama Tolitoli Ridwan, Ridwan; Sujai, Muhammad; A, Moh. Sabran
Journal of Management Branding Vol. 1 No. 1 (2024): Journal Of Management Branding
Publisher : Pascasarjana Universitas Muhammadiyah Mamuju

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71326/jmb.v1i1.29

Abstract

This research aims to determine the magnitude of the influence of organizational culture and work environment on employee job satisfaction at the Tolitoli Ministry of Religion Office. This research uses a quantitative research design with an associative approach. The data source is primary, namely data obtained through observation, interviews, questionnaires using the Liker scale method and documentation related to this research. The analytical method used is multiple linear regression analysis, the method is used to test the magnitude of the influence of each variable (Y), while the work environment (X2) has no significant effect on job satisfaction (Y). Meanwhile, the results of the simultaneous f test show that Organizational Culture (X1) and Work Environment (X2) simultaneously influence Job Satisfaction (Y). Thus, the indicators in Organizational Culture need to be maintained (X1) while the Work Environment indicators (X2) need to be evaluated for further research
Reviewing the implementation of the accounting information system (SIA) for Bank Indonesia Services to optimize MSME digitalization program in Tolitoli Regency as an Affirmation Area Syahputra, Rendy Aziz; Sujai, Muhammad; Aqfir, Aqfir
International Journal of Applied Finance and Business Studies Vol. 13 No. 2 (2025): September: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v13i2.395

Abstract

This study analyzes the effectiveness of the Financial Information Recording Application Information System (SIAPIK) in supporting environmentally friendly Micro, Small, and Medium Enterprises (MSMEs) in Tolitoli Regency, Central Sulawesi. The objective is to evaluate SIAPIK’s role in improving financial records, operational efficiency, and business decision-making, as well as its impact on marketing, access to capital, and business growth. The research employed a mixed-method approach, combining quantitative surveys and qualitative in-depth interviews with 24 MSMEs actively using SIAPIK (out of 106 surveyed). The results indicate that 83% of respondents reported improved recording efficiency, 79% found financial statements easier to understand, 71% experienced sales growth of up to 15%, and 67% successfully accessed cooperative or banking financing using SIAPIK reports. Nevertheless, 58% still faced challenges such as limited internet access and low digital literacy. Overall, SIAPIK has made a positive contribution to the digital transformation of MSMEs in affirmation areas, particularly in the culinary sector, while emphasizing the need for infrastructure development, continuous training, and cross-sector collaboration. The novelty of this research lies in its focus on environmentally friendly MSMEs in rural 3T regions, which are still underrepresented in the literature on MSME digitization in Indonesia.
Pendidikan Islam dalam UU SISDIKNAS No 20 Tahun 2003 Tompunu, Ilham; Sujai, Muhammad; Rohana, Nana; Rusyidi, St. Rajiah
IQRA : JURNAL PENDIDIKAN ISLAM Vol. 3 No. 2 (2023)
Publisher : IQRA : JURNAL PENDIDIKAN ISLAM

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Abstract

Demografi pelajar muslim di Indonesia mengalami peningkatan yang signifikan, menuntut perlunya adopsi paradigma baru dalam sistem pendidikan. Pentingnya totalitas kebijakan pemerintah terhadap pendidikan Islam menjadi krusial untuk dikembangkan di lingkup pendidikan negeri. Diperlukan implementasi kurikulum yang seimbang untuk memenuhi kebutuhan pelajar muslim dalam proses pembelajaran, serta perhatian khusus terhadap sarana, prasarana, dan tenaga pendidik agar proporsional dengan jumlah pelajar. Penelitian ini bertujuan untuk meninjau pendidikan Islam dalam UU Sisdiknas No. 20 tahun 2003, dengan jenis penelitian kepustakaan dan pendekatan deskriptif kualitatif. Analisis dilakukan terhadap literatur-literatur yang membahas pendidikan Islam dan UU Pendidikan atau UU Sisdiknas. Melalui teknik pengumpulan data dan analisis deskriptif kualitatif, penelitian ini menghasilkan temuan bahwa: (1) Pendidikan Islam harus tetap eksis dalam ruang lingkup pendidikan nasional, dan (2) UU Sisdiknas memberikan jaminan terhadap keberadaan pendidikan Islam. Perkembangan ini menunjukkan urgensi peningkatan peran dan dukungan bagi pendidikan Islam di Indonesia
Studi Pemanfaatan Teknologi Akuntansi dalam Meningkatkan Efisiensi Pengelolaan UMKM di Sektor Kuliner di Kabupaten Tolitoli sebagai Kawasan Konfirmasi 3T di Indonesia Ijma, Ijma; Sujai, Muhammad; Ismail, Ismail
FORUM EKONOMI: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 27 No. 4 (2025): Oktober
Publisher : FEB Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jfor.v27i1/3613

Abstract

Penelitian ini bertujuan untuk mengkaji pemanfaatan teknologi akuntansi dalam meningkatkan efisiensi pengelolaan Usaha Mikro, Kecil, dan Menengah (UMKM) di sektor kuliner di Kabupaten Tolitolo, sebagai salah satu kawasan 3T (Disadvantaged, Frontier, and Outermost) di Indonesia. Pendataan dilakukan melalui survei kuantitatif terhadap 105 unit pelaku UMKM kuliner dan wawancara mendalam dengan 2 informan utama dan 12 pemilik toko usaha mikro yang mewakili masing-masing penggunaan area taman di Tolitoli. Hasil ini mencerminkan pentingnya intervensi kebijakan digitalisasi keuangan dan pelatihan di bidang afirmasi. Analisis efisiensi menunjukkan bahwa UMKM yang menggunakan teknologi akuntansi cenderung memiliki tingkat efisiensi operasional yang lebih baik, ditandai dengan kecepatan pelaporan, kontrol arus kas, dan akurasi data keuangan yang lebih tinggi. Hasil integrasi data kuantitatif dan kualitatif menunjukkan bahwa pemanfaatan teknologi akuntansi berdampak positif terhadap efisiensi, namun masih terkendala oleh faktor pendidikan, akses teknologi, dan adaptasi digital
Analisis Risiko, Return, Dan Volatilitas Investasi Cryptocurrency Sebagai Alternatif Investasi Ernawati, Ernawati; Sujai, Muhammad; Eka, Andi Primafira Bumandava
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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Abstract

Pertumbuhan pesat cryptocurrency telah menghadirkan peluang sekaligus tantangan baru bagi investor yang mencari instrumen investasi alternatif di luar pasar keuangan tradisional. Penelitian ini menganalisis karakteristik risiko, return, dan volatilitas beberapa cryptocurrency utama untuk mengevaluasi potensinya sebagai pilihan investasi alternatif. Dengan menggunakan data historis pasar, penelitian ini mengkaji tingkat fluktuasi harga, pola imbal hasil, serta risiko yang terkait dan membandingkannya dengan aset konvensional seperti saham dan obligasi. Hasil penelitian menunjukkan bahwa meskipun cryptocurrency memiliki potensi return yang lebih tinggi, instrumen ini juga disertai dengan volatilitas yang signifikan dan risiko yang relatif tinggi sehingga tidak selalu sesuai bagi semua profil investor. Studi ini juga menekankan pentingnya diversifikasi portofolio dan penerapan strategi manajemen risiko yang tepat untuk mengurangi dampak ketidakstabilan pasar. Temuan ini memberikan wawasan tentang dinamika kinerja investasi cryptocurrency dan kontribusinya terhadap pemahaman peran aset digital ini dalam portofolio keuangan modern, serta menawarkan pertimbangan praktis bagi investor dan pembuat kebijakan dalam menghadapi pasar yang terus berkembang.
Co-Authors Alfiana Alfiana Andiena Nindya Putri Aqfir Dede Hertina Eka, Andi Primafira Bumandava Ernawati Ernawati Fitriningsih Amalo Ijma, Ijma Ismail Ismail Moh. Sabran. A. Nana Rohana, Nana Ridwan, Ridwan Rusyidi, St. Rajiah Syahputra, Rendy Aziz Tompunu, Ilham