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All Journal Shaut Al-'Arabiyah jurnal niara JURNAL MANAJEMEN MOTIVASI Jurnal Sains Dan Teknologi (SAINTEKBU) Pendas : Jurnah Ilmiah Pendidikan Dasar Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik Waskita: Jurnal Pendidikan Nilai dan Pembangunan Karakter Jurnal Infrastruktur Jurnal Ilmiah Sains dan Teknologi (SAINTEK) JURNAL TUGAS AKHIR MAHASISWA Administraus Jurnal Ilmu Administrasi dan Manajemen Jurnal Penelitian Ekonomi Akuntansi (JENSI) Borneo Journal Of Pharmascientech Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Bertuah : Jurnal Syariah dan Ekonomi Islam Jurnal Sosiohumaniora Kodepena (JSK) Alauddin Journal of Mathematics Education (AJME) Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Al-Iqtishod : Jurnal Ekonomi Syariah Instal : Jurnal Komputer Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Joutica : Journal of Informatic Unisla Tarjih: Agribusiness Development Journal re-JIEM (Research Journal of Islamic Education Management) Pareto : Jurnal Riset Manajemen dan Bisnis Semanggi: Jurnal Pengabdian kepada Masyarakat International Journal of Management and Business Economics International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Jurnal Manajemen dan Ekonomi Kreatif JAKBS International Journal of Trends in Accounting Research MEUSEURAYA : JURNAL PENGABDIAN MASYARAKAT Jurnal Ekonomi Kreatif Indonesia Jurnal El-Hadhary: Jurnal Penelitian Pendidikan Multidisiplin Journal of Planning and Research in Civil Engineering Medic Nutricia : Jurnal Ilmu Kesehatan Journal Accounting International Mount Hope Jurnal Media Akademik (JMA) Mount Hope Management International Journal EQUILIBRIUM : JURNAL BISNIS DAN AKUNTANSI (EJBA) Al-Mudharabah AL MAQRIZI: Jurnal Ekonomi Syariah dan Studi Islam Journal of Islamic Economics and Finance Jurnal Lempu STIKes BBM Mengabdi: Jurnal Pengabdian Masyarakat Jurnal Serambi Ilmu JIEP: Jurnal Ilmu Ekonomi dan Pembangunan DEEP LEARNING: Journal of Educational Research Journal of Humanities, Community Service, and Empowerment Bhakti Patrika
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Pengaruh Literasi Digital Terhadap Frekuensi Pembelian Online di Platform Shopee Pada Gen Z Muslim di Tanete Riattang Alif, Muh.; Hidayati, Rahma; Munawarah
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (Jebma) Vol. 5 No. 2 (2025): Artikel Riset Juli 2025
Publisher : Yayasan Cita Cendikiawan Al Kharizmi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jebma.v5i2.6388

Abstract

Perkembangan teknologi digital telah mengubah pola konsumsi masyarakat, khususnya di kalangan Generasi Z yang sangat adaptif terhadap kemajuan teknologi. Aktivitas mereka, termasuk pembelian online melalui platform seperti Shopee, semakin dipengaruhi oleh kemudahan akses dan fitur interaktif yang ditawarkan. Penelitian ini bertujuan untuk mengetahui tingkat literasi digital, frekuensi pembelian online, serta menganalisis pengaruh literasi digital terhadap frekuensi pembelian online pada Gen Z Muslim di Tanete Riattang. Metode yang digunakan adalah pendekatan kuantitatif dengan teknik purposive sampling kepada 100 responden dan dianalisis menggunakan SPSS versi 23. Hasil penelitian menunjukkan bahwa literasi digital responden berada pada kategori tinggi, dan frekuensi pembelian online tergolong cukup tinggi. Uji regresi linear sederhana menunjukkan bahwa literasi digital berpengaruh positif dan signifikan terhadap frekuensi pembelian online, dengan nilai R Square sebesar 0,607. Kesimpulannya, semakin tinggi literasi digital seseorang, maka semakin besar kemungkinan mereka melakukan pembelian online, sehingga peningkatan literasi digital menjadi hal penting dalam membentuk perilaku konsumtif yang cerdas di era digital.
PERFORMANCE EVALUATION OF ADMINISTRATIVE STAFF AT MADRASAH TSANAWIYAH ZIYADATUT TAQWA Navlia, Rusdiana; Masrurah, Waqiatul; Buna’i; Wahid, Abdul; Munawarah; Mubarokah Sa’bana, Sofia
re-JIEM (Research Journal of Islamic Education Management) Vol. 7 No. 2 (2024)
Publisher : Prodi MPI Fakultas Tarbiyah IAIN Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/re-jiem.v7i2.17317

Abstract

Administrative staff play a crucial role as a supporting pillar for educational quality, yet their performance evaluation is often overlooked. This qualitative study aims to analyze the purpose and inhibiting factors of administrative staff performance evaluation at Madrasah Tsanawiyah Ziyadatut Taqwa, utilizing in-depth interviews, observation, and documentation. The findings reveal that performance evaluation is perceived not as a routine procedure, but as a fundamental strategic instrument to ensure the smooth functioning of the learning ecosystem and uphold educational quality. However, its implementation is hampered by an interlocking web of systemic problems, including a human resource capacity gap (lack of training and technology), structural weaknesses (the absence of a standardized system and poor coordination), and cultural-psychological barriers (high workload and low motivation). This study concludes that a significant gap exists between the ideal vision of evaluation and its implementation reality. A holistic approach is necessary to transform the evaluation process from a formalistic burden into an authentic and functional tool for quality development.
The Influence of Impulsive Buying and Fear of Missing Out on Financial Behaviour: The Role of Financial Literacy as a Moderator Rizky, Mega; Munawarah; Launa, Noval; Farid, Erwan Sastrawan
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4981

Abstract

The development of technology and social media has driven changes in consumer behaviour, particularly among the younger generation, shifting from conventional to online shopping. the ease of access to online shopping and the emergence of digital payment methods such as e-wallets and pay-later options can trigger impulsive buying behaviour and fear of missing out (FOMO), which in turn impacts individuals' financial behaviour. This study aims to analyze the influence of impulsive buying and FOMO on financial behaviour and explore the role of financial literacy as a moderating variable. This research employs a quantitative approach using a survey method involving 117 Palu City respondents with an income. the data analysis technique used is Structural Equation Modeling (SEM) based on Partial Least Squares (PLS), with the help of SmartPLS software. the results indicate that impulsive buying has a positive and significant effect on financial behaviour, while FOMO does not have a significant effect. Additionally, financial literacy does not moderate the relationship between impulsive buying, FOMO, and financial behaviour. these findings suggest that even though individuals may have good financial literacy, self-control remains a crucial factor in financial decision-making. This study contributes to the development of financial literacy by emphasizing cognitive aspects and the importance of strengthening affective aspects such as emotional control and resistance to social pressure.
Dompet Santri Berbasis QR Code Sebagai Alat Transaksi Pembayaran di Koperasi Pondok Pesantren Al-Madinah Tebuireng Nur Khafidhoh; Primaadi Airlangga; Munawarah; Ahcmad Ulum Nadzir Syahril Mubarok
Joutica Vol 10 No 2 (2025): SEPTEMBER
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jti.v10i2.1347

Abstract

Metode Koperasi Pondok Pesantren dengan transaksi manual sering kali terjadi kelalaian pada pencatatan maupun perhitungan keuangan koperasi, disamping itu  kurangnya pengawasan uang saku santri yang menyebabkan santri leluasa melakukan transaksi di koperasi. Untuk mencegahnya dibutuhkan sistem yang mencatat transaksi secara otomatis dan sistem yang mampu mengontrol keuangan santri selama 24 jam. Oleh karena itu, sistem dompet santri berbasis QR code di koperasi pondok pesantren merupakan solusi untuk mengurangi masalah yang telah diuraikan. Metodologi yang digunakan dalam penelitian ini adalah  Preliminary Field Testing (uji coba awal lapangan), yang mencakup metode pengumpulan data, penerapan teknologi QR code, dan pembangunan perangkat lunak berbasis mobile. Proses penelitian dibagi menjadi beberapa tahapan, mulai dari pendahuluan yang membahas latar belakang masalah hingga tinjauan pustaka, analisis dan perancangan sistem, implementasi serta pengujian sistem, dan diakhiri dengan kesimpulan dan saran. Hasil implementasi aplikasi di Koperasi Pondok Pesantren Al-Madinah Tebuireng menunjukkan bahwa kasir koperasi dimudahkan dengan adanya pencatatan otomatis dari sistem dompet santri, yang sebelumnya dilakukan secara manual. Selain itu, para santri juga dapat lebih mudah mengelola keuangan mereka dengan adanya fitur dompet santri.Berdasarkan tes kelayakan aplikasi dari kuesioner yang diperoleh peneliti mendapatkan skor 42,5 yang berarti 85% “Sangat Baik” dan dapat dijadikan referensi.
Analisis Kelayakan Usaha Jajanan Brownies Kukus Cilla di Tondo bella djono; Fitriyani aziz Panape; Muhammad Din; Munawarah
Jurnal Akuntansi Keuangan dan Bisnis Vol. 3 No. 2 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/jakbs.v3i2.3366

Abstract

Penelitian ini bertujuan untuk menganalisis kelayakan usaha brownies kukus “Browncill” di Kelurahan Tondo, Kota Palu, dengan menggunakan pendekatan kualitatif dan kuantitatif. Analisis dilakukan melalui aspek keuangan dengan menggunakan metode Net Present Value (NPV), Profitability Index (PI), Payback Period (PP), Internal Rate of Return (IRR), serta Average Rate of Return (ARR). Hasil penelitian menunjukkan bahwa nilai NPV positif, PI sebesar 1,20 (>1), PP selama 1 tahun 1 bulan 6 hari, IRR sebesar 31,85% yang lebih tinggi dibandingkan tingkat diskonto 10%, serta ARR sebesar 90,50%. Indikator-indikator tersebut menegaskan bahwa usaha Browncill layak dijalankan dan memiliki prospek pengembangan yang baik. Temuan ini memperkuat pentingnya penerapan studi kelayakan bisnis sebagai dasar pengambilan keputusan dalam pengembangan UMKM kuliner lokal.
Implementation of the Mind Mapping Model to Improve Students' Writing Creativity in Indonesian Language Learning at SMP Negeri 1 Panga Munawarah; Yalis, Irma
DEEP LEARNING: Journal of Educational Research Vol. 1 No. 3 (2025): JULY 2025
Publisher : MANDAILING GLOBAL EDUKASIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62945/deeplearning.v1i3.245

Abstract

This study explores the effectiveness of the Mind Mapping learning model in enhancing the creativity of ninth-grade students in writing Indonesian language essays at SMP Negeri 1 Panga. Writing is a critical skill that reflects students’ ability to organize ideas, express opinions, and communicate effectively. However, many students face difficulties in generating ideas, structuring essays, and developing originality, which hinders their writing creativity. The research employed a Classroom Action Research (CAR) design, conducted over two cycles consisting of planning, acting, observing, and reflecting stages. Participants included 32 ninth-grade students aged 14–15 years. Data were collected through essay assessments, observation of student engagement, and documentation of classroom activities. Quantitative data were analyzed using descriptive statistics, while qualitative data provided insights into students’ creativity, idea generation, and writing processes. Findings indicate significant improvement in students’ writing creativity after implementing the Mind Mapping model. The percentage of students meeting the creativity criteria increased from 40% in the preliminary assessment to 87% in the second cycle. Observations revealed enhanced idea organization, originality, and engagement in writing tasks. The study concludes that the Mind Mapping model is an effective instructional strategy for fostering writing creativity in Indonesian language classes, supporting students’ cognitive, organizational, and creative development.
Government Financial Management Review: The Impact of Government Spending and Budget Surplus (SiLPA) on Regional Development Somantri, Agung Angga; Muslimin; Kadang, Juliana; Darman; Munawarah; Rahim, Aulia
Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik Vol. 10 No. 3 (2025): Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijak
Publisher : Direktorat Jenderal Perbendaharaan, Kementerian Keuangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33105/itrev.v10i3.1356

Abstract

Research Originality — This study examines Indonesian government spending—both state and local budgets—at a disaggregated level, with particular attention to the role of the Budget Surplus (SiLPA). By doing so, it provides a clearer picture of how specific fiscal policies and excess budget financing shape regional economic growth. Research Objectives — The primary aim of this study is to explore how different types of government spending, along with excess budget financing (SILPA), affect regional economic performance in Indonesia. It also seeks to identify which fiscal components contribute most effectively to growth and where potential inefficiencies lie. Research Methods — This study applied Principal Component Analysis (PCA) to nine fiscal variables from 2020 to 2024 across 34 provinces, reducing them to two principal components that together explained more than 91% of the total variance. These components were then analyzed using panel data regression, with the Between OLS model identified as the best fit. The model’s reliability was further validated through a series of statistical tests. Empirical Results — The results indicate that the first principal component (PC1) exerts a significant positive influence on GRDP, whereas the second principal component (PC2) has a negative effect. This implies that although government spending overall tends to stimulate economic growth, inefficiencies—especially within central government expenditures—can offset and weaken these benefits. Implications — The findings underscore the importance of enhancing efficiency and strengthening coordination in government spending. They suggest that policymakers should focus on improving the effectiveness of central government expenditures within the regional context and on strategically channeling SILPA into productive projects. Such measures can stimulate local economies and support the development of more effective, well-targeted fiscal policies.
The Role of Financial Management in Our Galang Bersama Foundation Lestari Dwi Santi; Vitayanti Fattah; Munawarah; Risnawati
Journal of Humanities, Community Service, and Empowerment Vol. 2 No. 1 (2025)
Publisher : PT. Global World Scientific

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58857/JHCSE.2025.v02.i01.p05

Abstract

Financial management is an important aspect in the operation and sustainability of the Galang Bersama Kami Foundation. This study aims to document and analyze the role of financial management at the Galang Bersama Kami Foundation. The research method used is descriptive qualitative with a single case study approach. Data were obtained through interviews with the foundation's management. The findings indicate that the Galang Bersama Kami Foundation has implemented effective and responsible financial management principles. The results of this study also highlight the importance of financial management in supporting the foundation's goals and missions in improving the quality of life of marginalized communities. By implementing good financial management practices, the foundation can ensure that the funds managed are used efficiently and in accordance with the foundation's goals. This study provides the importance of continuity in improving the foundation's financial management capabilities to support the sustainability of community empowerment programs.
Penerapan Model Discovery Learning Berbantuan Teknik Ice Breaking Untuk Meningkatkan Motivasi Belajar Siswa Kelas III UPT SPF SD INPRES BTN IKIP I Frisca, Ernos; Raihan, Siti; Munawarah
Lempu PGSD Vol. 2 No. 3 (2025): November
Publisher : Jurusan Pendidikan Guru Sekolah Dasar Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70713/lempu.v2i3.4357

Abstract

Tujuan penelitian ini adalah untuk mengetahui strategi peningkatan motivasi belajar siswa kelas III di UPT SPF SD INPRES Btn Ikip I. Pendekatan yang digunakan dalam penelitian ini adalah metodologi kualitatif yang dikenal sebagai Penelitian Tindakan Kelas, yang dibagi menjadi dua siklus dengan empat tahap: (PTK), pelaksanaan tindakan, observasi, dan refleksi. Melalui observasi, kuesioner, dan rekaman kegiatan pembelajaran, penelitian ini mengumpulkan studi ini dari para pendidik dan peserta didik.mengumpulkan data dari para pendidik dan peserta didik. Nilai rata-rata motivasi angket daftar pertanyaan yang diterima siswa berdasarkan hasil penelitian siklus I adalah 59,823 % yang termasuk dalam kategori sedang .​ Rata- rata  pada siswa kuesioner motivasi di​siklus Siklus II sebesar 87,235 % termasuk dalam kelompok sangat tinggi .adalah 87,235%, termasuk dalam kelompok sangat tinggi . temuan studi penelitian menunjukkan bahwa dengan penerapan model discovery learning berbantuan teknik ice breaking dapat meningkatkan motivasi belajar siswa kelas III
PENGARUH STRES KERJA TERHADAP KINERJA PEGAWAI DI KANTOR CAMAT TOMA KABUPATEN NIAS SELATAN Munawarah; Dennys Paulus Parlindungan Damanik; Rani Duha
PARETO : Jurnal Riset Bisnis dan Manajemen Vol 10 No 1 (2025): PARETO: Jurnal Riset Manajemen dan Bisnis
Publisher : LPPM Universitas Nias Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57094/pareto.v10i1.3826

Abstract

Ruang lingkup Penelitian ini adalah studi tentang Pengaruh Stres Kerja Terhadap Kinerja Pegwai di Kantor Camat Toma Kabupaten Nias Selatan.Tujuan penelitian adalah untuk mengetahui pengaruh stres kerja terhadap kinerja pegawai di Kantor Camat Toma Kabupaten Nias Selatan. Metode penelitian yang digunakan adalah kuantitatif dengan teknik analisis regresi linear sederhana, mengunakan data angket yang disebarkan kepada responden sebanyak 35 orang dikantor Camat Toma Kabupaten Nias Selatan. Hasil penelitian menunjukkan bahwa stres kerja berpengaruh secara signifikan terhadap kinerja pegawai dengan nilai (6,419) > (1,692) dan tingkat signifikan sebesar 0,000<0,05. Jadi dapat disimpulkan bahwa terdapat pengaruh stres kerja terhadap kinerja pegawai.
Co-Authors Abdul Wahid Adelia Dwi Putri Afrida Agus, Zakiah Ahcmad Ulum Nadzir Syahril Mubarok Ahmad Syahlani Aiyubi, Teuku Muhammad Rizal Akhmad Kanzul Fikri Al-amin, Ahmad Aliyudin Alif, Muh. Almaida Andi Abdul Hamzah Andi Cahyuni Candrawati Andi Indriani Ibrahim Andi Irga Satrawati Taslim Andi Nur Ram Shafiira Andreza, Aulia Anggreani, Indah Anwar Aulia Rizky Amalia Aziz, Aisyah Binti Abdul Baso Pallawagau Bayu Sujud anugrah bella djono Buna’i Bunyamin Candra Yuliana Cristin Pebriola Cut Nyakdhin Damayanti, A. Triska Dennys Paulus Parlindungan Damanik Deswita Martinez Dian Nirmasari Diana, Raden Rachmy Dina Maria Goretti Simbolon Ella Rahmayanti Ellyza Fazlylawati Elma Sofia, Elma Erwan Sastrawan Fahrety, Eny Fatlina Zainuddin Febrina Dian Kurniasari Felix Imanuel Rachman FIRA, FIRA Fitria Fitriani Fitriani Nur, Fitriani Fitriyani aziz Panape Frisca, Ernos Gawit Hidayat Ghina Adhha Haura Hasri Nur Azizah Hayati Hery Widijanto Hidayat, Toni Hidayati, Rahma Imam Malik IRA NURIYA SANTI Irne Aryanie ISNAWATI Juliana Kadang Jumriani Kamiruddin Khaira Rizki Khusnul Khotimah Laila Kodtriah Fitriani Lailatul Fitri LATIFAH Launa, Noval Lestari Dwi Santi Lorena Perangin angin Lorenza Cloudia Lukman LUKMAN, LUKMAN M. Sobirin Mohtar Magfira Maizatul Akmal Marzuki, Siti Fathia Shalaty Masrurah, Waqiatul Mawardi, Ardi Mazlan, Muhamad Fakarudin Bin Melviani Mely Agustina Miranto, Fadil MOH. SAIFULLAH ADAM Mohammad Firmansyah Mohammad Nofal Mubarokah Sa’bana, Sofia Muh. Faisal Oksa. R Muhammad Agung Anggoro Muhammad Din Muhammad Lutfi Muhammad Naufal Alauddin Muhyiddin Zainul Arifin Mujiburrohman Musdalifa MUSLIMIN Muzawir Munawarsyah Mu’adzah, Afnan Nadya Rosalina Natalia Navlia, Rusdiana Ni Gusti Ayu Agung Nini Andriani Nur Awalia Arsyad Nur Hakidah Habibi Nur Khafidhoh Nurbaya Nurdin, Fadilah Nurhidayah Nurkhalisah Nurul Amna Nurul Azmi Nurul Yaqin Onevia Berlian Nataly Onny Ziasti Fricilia Otong Karyono Primaadi Airlangga Putra, Rafli Permana putra, rezkianandaputra Putri Utami, Ayu Rahim, Aulia Rahmelia, Vivi Raihan, Siti Raisa, Daeva Mubarika Rani Duha Ratna Mutia Ratna Sari Dewi Rauf, Nurisnaeni Rhema Maya Yemima Waruwu Ridhoi Asyari, Muhammad Riska Adelina br Ginting Risnawati Riza Bunaiya Rizky, Mega Ryan Kevin Fransiskus Silalahi Sabhan Salim, Moch Hanafi Saliman Saliman Shafly, Muhammad Fathin Sinaga, Jholant Bringg Luck Amelia Br Sitti Zuhaerah Thalhah, Sitti Zuhaerah Somantri, Agung Angga Sonia Isna Suratin St. Nurrahmah Sudrajat Suminah Ulfa Wulan Agustina Vitayanti Fattah Yalis, Irma Yuyun Bahtiar Zulkiflih Zuniar