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All Journal Shaut Al-'Arabiyah jurnal niara Jurnal Sains Dan Teknologi (SAINTEKBU) Pendas : Jurnah Ilmiah Pendidikan Dasar Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik Jurnal Infrastruktur JURNAL TUGAS AKHIR MAHASISWA Administraus Jurnal Ilmu Administrasi dan Manajemen Jurnal Penelitian Ekonomi Akuntansi (JENSI) Jurnal Ilmiah Al-Tsarwah Jurnal Ilmu Perbankan dan Keuangan Syariah 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) International Journal of Health, Economics, and Social Sciences (IJHESS) 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) Jurnal Kolaboratif Sains 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 JEBD 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 Jurnal Ilmiah Kesehatan Mandira Cendikia Jurnal Nusa Manajemen 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 Aksi Kita: Jurnal Pengabdian Kepada Masyarakat DEEP LEARNING: Journal of Educational Research Journal of Humanities, Community Service, and Empowerment Bhakti Patrika
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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.
The Influence Of Profitability And Solvency On The Value Of Financial Companies Listed On The Indonesian Sharia Stock Index In 2018-2023 Muliani, Sahri; Munawarah
Jurnal Ilmiah Al-Tsarwah Vol. 7 No. 2 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v7i2.10528

Abstract

This study aims to analyze the effect of profitability and solvency on firm value with firm size as an intervening variable in financial sector companies listed on the Indonesian Sharia Stock Index (ISSI) during the period 2018–2023. The type of research used is field research with a quantitative research method. The sample was determined using a saturated sampling method, which involves including the entire population in the sample. Hypothesis testing was conducted using the Smart-PLS application. The results of the study indicate that profitability does not have a direct effect on firm value but does have an indirect effect through firm size. Meanwhile, solvency has a direct effect on firm value but does not have an effect when mediated through firm size. These findings suggest that firm size plays an important role as a link between financial performance and perceived value in the eyes of investors. Overall, this study emphasizes the importance of integrated financial management in shaping growth strategies and sustainably enhancing company value.
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.
Pengaruh Sikap Keuangan, Lingkungan Sosial Dan Kontrol Diri Terhadap Pengelolaan Keuangan Mahasiswa Rantau Di Kabupaten Morowali : The Effect of Financial Attitudes, Social Environment and Self-Control on Financial Management of Overseas Students in Morowali Regency Arzeti; Munawarah; Darman; Rian Risendy
Jurnal Kolaboratif Sains Vol. 8 No. 10: Oktober 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v8i10.8897

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh sikap keuangan, lingkungan sosial, dan kontrol diri terhadap pengelolaan keuangan mahasiswa rantau di Kabupaten Morowali. Mahasiswa rantau dihadapkan pada berbagai tantangan finansial karena harus mengatur keuangan sendiri jauh dari keluarga. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner, dan dianalisis menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa sikap keuangan, lingkungan sosial, dan kontrol diri secara parsial maupun simultan berpengaruh positif dan signifikan terhadap pengelolaan keuangan. Sikap keuangan yang positif membantu mahasiswa membuat anggaran dan menabung, sementara lingkungan sosial dapat memengaruhi perilaku keuangan secara langsung. Kontrol diri memungkinkan mahasiswa untuk menghindari belanja impulsif dan membuat keputusan yang bijak dalam penggunaan dana.
ANALISIS KELAYAKAN FINANSIAL USAHA REMPEYEK DAN KRIPIK PISANG AISYAH Andi Nur Ram Shafiira; Deswita Martinez; Muhammad Din; Munawarah
Jurnal Media Akademik (JMA) Vol. 3 No. 8 (2025): JURNAL MEDIA AKADEMIK Edisi Agustus
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/fen12x47

Abstract

Penelitian ini bertujuan untuk menganalisis kelayakan finansial usaha Rempeyek dan Keripik Pisang Aisyah di Kota Palu, Sulawesi Tengah. Usaha ini bergerak pada produksi camilan tradisional khas daerah yang berpotensi sebagai oleh-oleh sekaligus peluang pengembangan UMKM lokal. Metode penelitian yang digunakan adalah deskriptif kuantitatif dengan pengumpulan data melalui observasi langsung, wawancara, serta pencatatan biaya produksi. Analisis kelayakan dilakukan menggunakan empat indikator, yaitu Net Present Value (NPV), Internal Rate of Return (IRR), Profitability Index (PI), dan Payback Period (PP). Hasil perhitungan menunjukkan nilai NPV sebesar Rp2.704.994 yang bernilai positif, IRR sebesar 21,33% yang lebih tinggi dari tingkat suku bunga acuan 5,25%, PI lebih dari 1, serta PP sebesar 3,4 tahun yang lebih cepat dari batas waktu kelayakan lima tahun. Berdasarkan indikator tersebut, dapat disimpulkan bahwa usaha Rempeyek dan Keripik Pisang Aisyah layak dijalankan serta memiliki prospek pengembangan yang baik. Penelitian ini diharapkan dapat menjadi acuan bagi pelaku UMKM lain dalam melakukan studi kelayakan usaha sebelum melakukan investasi.
Aplikasi Pemesanan Menu Makanan Berbasis Web Resposive munawarah; Zainul Arifin, Muhyiddin; Yaqin, Nurul
SAINTEKBU Vol. 14 No. 01 (2022): Vol. 14 No. 01 January 2022
Publisher : KH. A. Wahab Hasbullah University

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Mie Endess is a noodle shop in Jombang, specifically at Jalan Governor Suryo No 11 A Gg. II, Jombang Kec. Jombang. Mie Endess is a restaurant that has many customers. However, Mie Endess still uses the manual method for ordering food and drinks, where waiters use paper and pen/pencil as media to record and order food and drinks ordered by customers. Therefore we need a responsive web-based information system that can speed up the process of submitting order lists from customers. Field condition analysis was carried out through interviews and old-system literature studies. The analysis results of the food menu ordering application built on a web basis will be described using UML (Unified Modeling Language) notation, Activity Diagram, and ERD to be further implemented using the PHP programming language and database using MySQL. The Bootstrap Framework is also used from the application design side to provide application flexibility when accessed with devices with a smaller resolution. In addition, this application is equipped with a non-cash payment feature which is very efficient in payments.
Pengaruh Financial Technology dan Perilaku Konsumtif terhadap Perilaku Keuangan Mahasiswa Prodi Manajemen PSDKU UNTAD Morowali: The Influence Of Financial Technology And Consumtive Behavior Towards Students` Financial Behavior Of Management Study Program Psdku Untad Morowali Nurul Rahmah Alfiah; Munawarah; Juliana Kadang; Annisah
Jurnal Kolaboratif Sains Vol. 8 No. 11: November 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v8i11.9186

Abstract

Tujuan penelitian untuk mengetahui pengaruh financial technology dan perilaku konsumtif terhadap perilaku keuangan Mahasiswa Prodi Manajemen PSDKU UNTAD Morowali. Jenis penelitian yang digunakan dalam penelitian adalah kuantitatif. Populasi dalam penelitian ini adalah seluruh Mahasiswa Prodi Manajemen PSDKU UNTAD Morowali. Karena seluruh jumlah populasi sebanyak 129 orang dijadikan sampel maka peneliti menggunakan nonprobability sampling. Hasil penelitian yang didapatkan oleh peneliti adalah sebagai berikut: 1) Diketahui financial technology dan perilaku konsumtif berpengaruh positif dan signifikan terhadap perilaku keuangan mahasiswa prodi manajemen PSDKU UNTAD Morowali. 2) Financial technology memiliki pengaruh positif dan signifikan terhadap perilaku keuangan mahasiswa prodi manajemen PSDKU UNTAD Morowali. 3) perilaku konsumtif dengan nilai koefisien negatif dan tidak signifikan terhadap perilaku keuangan, yang berarti bahwa perilaku konsumtif tidak memiliki peran terhadap perilaku keuangan mahasiswa prodi manajemen PSDKU UNTAD Morowali.
Integration of ESG and Sharia Principles in Sri Sukuk: Challenges and Opportunities Towards a Sustainable Financial System Dewi, Ratna Sari; Hidayat, Toni; Munawarah
INTERNATIONAL JOURNAL OF TRENDS IN ACCOUNTING RESEARCH Vol. 6 No. 2 (2025): International Journal of Trends in Accounting Research (IJTAR), November 2025
Publisher : Asosiasi Dosen Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54951/ijtar.v6i2.1193

Abstract

This study aims to analyze the challenges and strategic opportunities for developing SRI Sukuk to support the sustainability of the Islamic financial system in Indonesia. The research method uses a descriptive qualitative approach with literature analysis of reputable international journals and national journals accredited by Sinta 1 and 2. The results show that although SRI Sukuk faces several challenges, such as limited global standards, low investor literacy, high certification costs, and a lack of social impact indicators, there are significant strategic opportunities. These opportunities include regulatory and public policy support, increasing demand from global institutional investors, synergy with the SDGs agenda and the Indonesian Islamic Economic Masterplan, the adoption of digital technology and Islamic fintech, and increasing sustainable financial literacy. This study concludes that SRI Sukuk has the potential to be a key driver of the transformation of the Islamic financial system towards green finance that is inclusive, transparent, and oriented towards the welfare of the people
Co-Authors Abdul Wahid Achmad Kusyairi Adelia Dwi Putri Afrida Agung, Ni Gusti Ayu Agus, Zakiah Agustina, Mely Ahcmad Ulum Nadzir Syahril Mubarok Ahmad Syahlani, Ahmad Aiyubi, Teuku Muhammad Rizal Akhmad Kanzul Fikri Al-amin, Ahmad Aliyudin Alif, Muh. Almaida Alwi, Moh. Andi Abdul Hamzah Andi Cahyuni Candrawati Andi Indriani Ibrahim Andi Nur Ram Shafiira Andreza, Aulia Anggreani, Indah Anisa Annisah Anwar Arwin, Iksan Arzeti Aziz, Aisyah Binti Abdul Bahtiar, Yuyun Baso Pallawagau Bayu Sujud anugrah Besse Wilda Buna’i Bunyamin C R K Bidin Candra Yuliana Cici Rianty K. Bidin Cloudia, Lorenza Cristin Pebriola Cut Nyakdhin Damayanti, A. Triska DARMAN Dennys Paulus Parlindungan Damanik Destya, Nada Deswita Martinez Dewi Junita Purwanti Dian Nirmasari Diana, Raden Rachmy Dina Maria Goretti Simbolon djono, bella Ella Rahmayanti Ellyza Fazlylawati Elma Sofia, Elma Erwan Sastrawan Fahrety, Eny Fatlina Zainuddin Fatmawati Fatmawati Febrina Dian Kurniasari Felix Imanuel Rachman FIRA, FIRA Fitria Fitriani Fitriani Nur, Fitriani Fitriani, Laila Kodtriah Frisca, Ernos Gawit Hidayat Ghina Adhha Haura Habibi, Nur Hakidah Handika Suchra Hasri Nur Azizah Hayati Hery Widijanto Hidayat, Toni Hidayati, Rahma Imam Malik IRA NURIYA SANTI Irne Aryanie Irwan Nul Khairi ISNAWATI J Kadang Jerry Nurriyansyah JHOLANT BRINGG LUCK AMELIA BR SINAGA Juliana Kadang Jumriani Kamiruddin Khaira Rizki khusnul khotimah Lailatul Fitri LATIFAH Launa, Noval Lestari Dwi Santi Lorena Perangin angin Lukman LUKMAN, LUKMAN Magfira Maizatul Akmal Mardiaton, Mardiaton Marzuki, Siti Fathia Shalaty Masrurah, Waqiatul Mawardi, Ardi Mazlan, Muhamad Fakarudin Bin Melda Vidianti Melviani Miranto, Fadil Mohamad Raffi Cendika Putra Mohammad Firmansyah Mohtar, M. Sobirin Mubarokah Sa’bana, Sofia Muh. Faisal Oksa. R Muhammad Agung Anggoro Muhammad Din Muhammad Lutfi Muhammad Naufal Alauddin Muhammad Widyatama Mujiburrohman Muliani, Sahri Murni MUSLIMIN Muzawir Munawarsyah Mu’adzah, Afnan N F Salsabila Nataly, Onevia Berlian Navlia, Rusdiana Nawas Syarif Hidayatullah Nini Andriani Nita Amelia Nur Athifa Nur Awalia Arsyad Nur Khafidhoh Nur Khafidhoh, Nur Nur Salamah Nurbaya Nurdin, Fadilah Nurhidayah Nurkhalisah Nurul Amna Nurul Azmi Nurul Rahmah Alfiah Nurul Yaqin Nutfa Onny Ziasti Fricilia Otong Karyono Panape, Fitriyani aziz Primaadi Airlangga Putra, Rafli Permana putra, rezkianandaputra Rahim, Aulia Raihan, Siti Raisa, Daeva Mubarika Rani Duha Ratna Mutia Ratna Sari Dewi Rauf, Nurisnaeni Rhema Maya Yemima Waruwu Rian Risendy Ridhoi Asyari, Muhammad Riska Adelina br Ginting Risnawati Riza Bunaiya Rizky, Mega Rosalina, Nadya Ryan Kevin Fransiskus Silalahi Sabhan Salim, Moch Hanafi Sasongko, Hendrik Probo Shafly, Muhammad Fathin Sitti Zuhaerah Thalhah, Sitti Zuhaerah Somantri, Agung Angga Sonia Isna Suratin St. Nurrahmah Suminah Taslim, Andi Irga Satrawati Tawar Di Linge Tiara Tina Sintiani ulfa, ulfa wulan agustina Vitayanti Fattah Yalis, Irma Zainul Arifin, Muhyiddin Zulkiflih Zuniar