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All Journal Jurnal Sosiologi Reflektif Gadjah Mada International Journal of Business Jurnal Hukum Novelty Jurnal IUS (Kajian Hukum dan Keadilan) Jurnal EMT KITA Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Economic, Bussines and Accounting (COSTING) Albacore : Jurnal Penelitian Perikanan Laut Dinamisia: Jurnal Pengabdian Kepada Masyarakat JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Jurnal Inotera JURNAL MANAJEMEN BISNIS Procuratio : Jurnal Ilmiah Manajemen Kurs : Jurnal Akuntansi, Kewirausahaan dan Bisnis Bilancia : Jurnal Ilmiah Akuntansi Meteor STIP Marunda Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business International Journal of Economics Development Research (IJEDR) Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ecogen Journal of Management and Bussines (JOMB) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Al-Ihda' : Jurnal Pendidikan dan Pemikiran Jurnal Ilmiah Mahasiswa Fakultas Hukum Universitas Malikussaleh Bansi (Jurnal Bisnis Manajemen Akuntansi) Jurnal Akuntansi Keuangan dan Bisnis English Language Teaching Methodology (ELTM) Moneter : Jurnal Keuangan dan Perbankan JSE: Jurnal Sharia Economica Al-Zayn: Jurnal Ilmu Sosial & Hukum JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Jurnal Malikussaleh Mengabdi Journal of Ekonomics, Finance, and Management Studies Jurnal Ekonomi dan Bisnis Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran
Yusrizal
Institut Bisnis Dan Teknologi Pelita Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mechanical Engineering Social Sciences Transportation Other

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Pengaruh Pemahaman dan Tingkat Kepercayaan Masyarakat terhadap Rendahnya Inklusi Keuangan Berbasis Fintech di Kabupaten Asahan Siregar, Tetty Handayani; Dewi, Nurul Aulia; Muda, Iskandar; Soemitra, Andri; Yusrizal
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2128

Abstract

This study aims to analyze the influence of public understanding and trust levels on low fintech-based financial inclusion in Asahan Regency. The phenomenon of inequality between high digital penetration and low fintech adoption in rural areas is the main research background. The approach used is quantitative with a survey method of 100 respondents spread across 25 sub-districts, using a Likert scale-based questionnaire instrument. Data were analyzed using SmartPLS 4.0 software with the Structural Equation Modeling Partial Least Square (SEM-PLS) approach. The results of the study indicate that public understanding and trust have a significant influence on digital financial inclusion. This is proven through hypothesis testing with t-statistic values ​​above 1.96 and p-value <0.05, respectively. The R-Square value of 0.488 indicates that the two independent variables explain almost all of the variation in financial inclusion. These findings strengthen the Technology Acceptance Model theory and consumer trust theory, and emphasize the importance of literacy strategies and consumer protection in supporting financial inclusion. This study also develops a micro index of fintech inclusion based on the dimensions of access, use, and service quality. These findings are expected to be the basis of policies for local governments, regulators, and industry players in expanding inclusive finance in remote areas more effectively
An ANALYSIS OF STUDENTS’ DIFFICULTIES FACTOR IN READING SKILL AT SMPN LEMBANG BOSANG 12 KEPULAUAN SELAYAR Yusrizal; Sangkala, Ismail; Ariana
English Language Teaching Methodology Vol. 5 No. 1 (2025): English Language Teaching Method
Publisher : FKIP Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56983/eltm.v5i1.1590

Abstract

This research only focuses on analyzing students' difficulties in reading skills. Based on preliminary research, it shows that students still face difficulties in reading skills related to aspects and factors of reading skills. Therefore, this research aims to analyze students' difficulties in reading skills in Class IX of SMPN Lembang Bosang 12 Selayar Islands in the 2023/2024 academic year. descriptive qualitative research design was used in this research. Class IX was taken as a sample because it had lower reading scores than other classes.Document analysis, and interviews were used to collect data. The three main phases of data analysis are data condensation, data presentation, and conclusion drawing.After analyzing the data, the results showed that there were 3 aspects of students' difficulties in reading skills. Thus, the most difficult aspect that students face in reading skills is vocabulary. Based on student interviews, there are three factors of difficulty in reading skills. Thus, the factors of difficulty faced by students in reading skills are that students experience difficulty in understanding reading in long sentences, difficulty in using strategies, and difficulty in concentrating
Empowering Local Workers To Resolve Social Conflicts In West Aceh District’s Palm Oil Sector Jamaluddin; Marlia Sastro; Ramziati; Yusrizal; Sela Azkia; Yahya, Azhari
Jurnal IUS Kajian Hukum dan Keadilan Vol. 13 No. 1 (2025): Jurnal IUS Kajian Hukum dan Keadilan
Publisher : Magister of Law, Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ius.v13i1.1637

Abstract

This study starts with the existence of social conflict and the importance of resolving social conflict between oil palm plantation companies through the empowerment of local workers. For the sustainability of the oil palm plantation business and improving people’s welfare. Article 74 paragraph (2) of Law Number 40 of 2007 concerning Limited Liability Companies (UUPT) and Article 2, paragraph (1) letter e of Law Number 19 of 2003 concerning State-Owned Enterprises. Although efforts to resolve the conflict between the community and oil palm plantation companies in West Aceh have been made, the conflict has not been resolved until now. This study aims to analyze the obstacles to resolving social conflict between the community and oil palm plantation companies in West Aceh. This study uses a sociological legal approach to look more deeply at the effectiveness of law in society. The study uses primary data and secondary data as well as field data in West Aceh. The results of the study indicate that the obstacles to resolving the conflict between the community and oil palm plantation companies in West Aceh are because many productive-age villagers are not working and the empowerment program is not running effectively. This study produces a model for empowering local workers through CSR budgets to provide job training to productive age people aged 18-35 years so that productive age people have skills that can encourage them to live independently and improve their quality of life.
Peran Strategis BUMDes dalam Pemberdayaan Ekonomi Masyarakat: Studi Kasus di Desa Pekan Heran, Rengat Barat Nurarifah Aini; Nelti; Yusrizal; Burhanudin; Dia Ananda; Intan Halifa; Khairul Insana; Nata Aurellia; Nur Hariyanti; Sayyid Ahmad Asshidiqi; Tiara Sukmawati; Widari Hikmanda
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 3 No 2 (2025): 2025
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v3i2.1022

Abstract

Pemberdayaan masyarakat desa melalui Badan Usaha Milik Desa (BUMDes) merupakan strategi penting dalam mengurangi kesenjangan ekonomi antara desa dan kota serta mendorong pencapaian pembangunan berkelanjutan. Penelitian ini bertujuan untuk menganalisis peran strategis BUMDes dalam meningkatkan kesejahteraan masyarakat Desa Pekan Heran, Kecamatan Rengat Barat, dengan menyoroti kontribusi, kendala, dan peluang pengembangannya. Metode yang digunakan adalah kualitatif deskriptif dengan teknik pengumpulan data melalui observasi, wawancara mendalam, dan dokumentasi terhadap pengelola BUMDes, perangkat desa, dan masyarakat. Hasil penelitian menunjukkan bahwa BUMDes berperan penting dalam menciptakan lapangan kerja, membuka akses permodalan bagi usaha mikro, serta meningkatkan pendapatan asli desa. Namun, pelaksanaan BUMDes menghadapi hambatan berupa rendahnya kapasitas manajerial, keterbatasan inovasi usaha, lemahnya koordinasi kelembagaan, dan minimnya partisipasi masyarakat. Meskipun demikian, adanya dukungan pemerintah desa dan apresiasi masyarakat menunjukkan bahwa BUMDes memiliki potensi besar sebagai instrumen pembangunan ekonomi lokal. Dengan penguatan tata kelola, peningkatan literasi digital, serta diversifikasi usaha berbasis potensi lokal, BUMDes dapat berkembang menjadi motor penggerak pembangunan desa yang berkelanjutan dan inklusif
Penyuluhan Hukum Terkait Cyber Bullying pada Pelajar SMA Negeri 1 Dewantara Iskandar, Hadi; Budi Bahreisy; Ferdy Saputra; Yusrizal; Fitri Maghfirah; Sela Azkia; Firman Alfathy
Jurnal Malikussaleh Mengabdi Vol. 4 No. 1 (2025): Jurnal Malikussaleh Mengabdi, April 2025
Publisher : LPPM Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/jmm.v4i1.22626

Abstract

Anak merupakan bagian keberlangsungan hidup bangsa dan negara Indonesia yang menjaga persatuan berdasarkan Pancasila dan Undang-Undang Dasar Republik Indonesia 1945. Menangani kejahatan yang melibatkan anak tidak mudah. Komisi Nasional Perlindungan Anak mendata kasus kekerasan pada anak pada tahun 2023 sebanyak 3.547 kasus, kasus perundungan merupakan kasus yang sering terjadi di Sekolah Menengah Atas (SMA). Kebijakan dalam penanganan kasus perundungan terhadap anak sangat penting dan memerlukan penanganan yang serius dalam merespon peningkatan kasus kekerasan di sekolah. Implementasi kebijakan pencegahan dan perundungan di Sekolah Menengah Atas memerlukan perhatian serius. Pemerintah Aceh telah membentuk tim untuk mengatasi kekerasan di sekolah. Hambatan dalam pencegahan dan penanganan perundungan di sekolah meliputi tidak ada laman pelaporan online, kesadaran dan pemahaman perundungan pada siswa yang minim, sumber daya dan fasilitas untuk korban terbatas, evaluasi dan pengawasan belum efektif karena tidak adanya pengawas sekolah di bidang bimbingan konseling, upaya pencegahan dilakukan melalui pelatihan guru, kampanye kesadaran anti perundungan, sosialisasi, dan koordinasi antara sekolah, guru, siswa, dan orang tua, serta memastikan perlindungan korban dan mencegah tindakan perundungan terjadi kembali.
SEM ANALYSIS OF THE INFLUENCE OF CONVENIENCE, PRODUCT QUALITY, PRICE AND PROMOTION ON PURCHASE DECISIONS AT SHOPEE BERKAH Amini, Salisa; Muda, Iskandar; Soemitra, Andri; Yusrizal; Ismail
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 2 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i2.17544

Abstract

This research is motivated by the rapid development of e-commerce in Indonesia, especially the Shopee platform, which is one of the largest marketplaces in Southeast Asia. In a rapidly evolving digital ecosystem, it's important to identify the factors that influence consumer purchasing decisions. The purpose of this study is to analyze the influence of convenience, product quality, price, and promotion on purchase decisions at Shopee Berkah using the Structural Equation Modeling (SEM) approach. The research method used was quantitative with purposive sampling technique, involving 100 UINSU student respondents who had shopped at Shopee Berkah. Data collection was carried out through the distribution of online questionnaires, and data analysis using Partial Least Squares (PLS) with the help of SmartPLS software. The results showed that the price and quality of the product had a positive and significant effect on the purchase decision, with t-statistical values of 13.005 and 3.151 respectively (p-value < 0.05). Meanwhile, the convenience and promotion variables did not show a significant influence with p-values of 0.306 and 0.937, respectively. The research model was able to explain 84.8% of the variation in consumer purchasing decisions. In conclusion, in the context of Shopee Berkah, price and product quality are the main factors that affect consumer purchase decisions, while ease of use and promotional strategies have not shown a significant influence.
DETERMINANTS OF SUCCESS IN VILLAGE FUND MANAGEMENT WITH GOAL COMMITMENT AS A MODERATION Muhammad Salman; Iskandar Muda; Andri Soemitra; Yusrizal
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 5 No. 3 (2025): June
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v5i3.3482

Abstract

This study aims to examine the influence of Human Resources, Community Participation and Leadership Behavior on the Success of Village Fund Management with Goal Commitment as a Moderator. The respondents of this study were 54 people obtained through purposive sampling, from a total of 124 respondents who were village staff in 5 villages in Langsa Baro District, Langsa City. The number of respondents was obtained using the Slovin formula. The data obtained were analyzed using the Partial Least Square (PLS) analysis technique. The equation models analyzed were the outer model and inner model. The results showed that Community Participation, Leader Behavior and Goal Commitment had a significant effect on Village Fund Management, while Human Resource Quality did not have a significant effect on the Success of Village Fund Management. Furthermore, goal commitment was unable to moderate the influence of human resources, community participation and leader behavior on the success of village fund management.
EARNINGS QUALITY DETERMINANTS OF LISTED INDUSTRIAL FIRMS IN INDONESIA Yenny Wati; Yusrizal Yusrizal; Angel Angel; Amries Rusli Tanjung; Linda Hetri Suriyanti
Procuratio : Jurnal Ilmiah Manajemen Vol 12 No 3 (2024): Procuratio : Jurnal Ilmiah Manajemen
Publisher : Institut Bisnis dan Teknologi Pelita Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35145/procuratio.v12i3.4499

Abstract

This study will look at the impact of of interperiod tax allocation, capital structure, profitability, managerial ownership, institutional ownership, and liquidity on earnings quality. The population in this study consists of industrial sector firms listed on the Indonesia Stock Exchange from 2018 to 2022. Sampling used a purposive sampling technique, with 41 companies as samples. The data analysis technique employed is multiple linear regression analysis, utilizing the SmartPLS 4.0 application. The findings of this study suggest that interperiod tax allocation influences earnings quality. Meanwhile, earnings quality is unaffected by capital structure, profitability, managerial ownership, institutional ownership, and liquidity. When deciding whether to invest capital in a certain company, investors ought to give greater thought to and evaluate the quality of the company's profitability. For information about a company's profits to be considered high-quality earnings and to not deceive those who require it, this research contributes to companies presenting their financial reports in line with actual situations. Penelitian ini akan melihat dampak alokasi pajak antar periode, struktur modal, profitabilitas, kepemilikan manajerial, kepemilikan institusional, dan likuiditas terhadap kualitas laba. Populasi dalam penelitian ini terdiri dari perusahaan sektor industri yang terdaftar di Bursa Efek Indonesia pada tahun 2018 hingga 2022. Pengambilan sampel menggunakan metode purposive sampling, dengan jumlah sampel sebanyak 41 perusahaan. Teknik analisis data yang digunakan adalah analisis regresi linier berganda dengan memanfaatkan aplikasi SmartPLS 4.0. Hasil penelitian ini menunjukkan bahwa alokasi pajak antar periode berpengaruh terhadap kualitas laba. Sedangkan kualitas laba tidak dipengaruhi oleh struktur modal, profitabilitas, kepemilikan manajerial, kepemilikan institusional, maupun likuiditas. Ketika memutuskan apakah akan menanamkan modalnya pada suatu perusahaan tertentu, investor hendaknya lebih memikirkan dan mengevaluasi kualitas laba perusahaan tersebut. Agar informasi mengenai laba suatu perusahaan dapat dianggap sebagai laba yang berkualitas tinggi dan tidak menipu pihak yang memerlukannya, penelitian ini memberikan kontribusi bagi perusahaan untuk menyajikan laporan keuangannya sesuai dengan keadaan sebenarnya.
Determinants of Customer Sharia Financial Management Behavior in Choosing Multiguna-Asn Financing Through Income Santi Arafah; Yunanda Eka Putra; Iskandar Muda; Andri Soemitra; Yusrizal
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 9 No. 1 (2025): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v9i1.6331

Abstract

This research aims to determine the determinant factors that influence sharia financial management behavior through income on mutliguna ASN financing at PT Bank Sumut Syariah KCPsy Marelan. The population and sample in this research were 98 customers who were registered in Mutliguna-ASN financing. Data analysis in this study used SEM-PLS analysis techniques. The results of the research conducted with a confidence level of 95% based on sig. 5%, states that sharia financial literacy, financial experience and sharia financial attitudes affect sharia financial management behavior, while income does not affect sharia financial management behavior. Individual income greatly contributes to managing their finances due to the desire and satisfaction factors that want to be fulfilled, especially in Multiguna-ASN financing. This financing is one of the ideal solutions for middle to lower class people who face economic limitations, because it provides easier and faster access to customers to obtain the funds needed, but this financing is only intended for ASN.
The Effect of Internship Experience, Work Interest, And Soft Skills on Students' Work Readiness in Sharia Insurance Ningsih, Nur Widya; Sri Ramadhani; Yusrizal
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.7017

Abstract

This study aims to analyze the influence of internship experience, work interest, and soft skills on the work readiness of students in the Sharia Insurance Study Program, Faculty of Economics and Islamic Business, State Islamic University of North Sumatra. This study uses a quantitative approach with multiple linear regression method. The population in this study consists of 149 students from the 2020 and 2021 cohorts, with a sample size of 60 respondents obtained using the Slovin formula. Data analysis techniques utilize SPSS version 26 and EViews 10. The results of the study indicate that the variables of work interest and soft skills have a positive and significant effect on students' work readiness, while internship experience does not have a significant effect. Simultaneously, these three variables contribute 67.9% to students' work readiness. This study emphasizes the importance of developing soft skills and enhancing work interest in preparing students for the workforce, particularly in the Islamic insurance sector.
Co-Authors Aditya Prayoga Amini, Salisa Amries Rusli Tanjung Andi Oh Andi Sucipto Andri Soemitra Andri Soemitra Angel Angel Annisa Fajriani Antania Susanto Anton Anton Anton Aqwa Naser Daulay Ariana Ariyanto Arsyad Astri Ayu Purwati Astri Ayu Purwati atika Azhari Yahya Balkhaya, Balkhaya Budi Bahreisy Burhanudin Cardiana Cipta Ramadhani Damielly Salsabilla Dhara Meutuah Debi Eka Putri Dedi Thomas Dedi Thomas Desmawati Desmawati Desnelita, Yenny Dewi, Nurul Aulia Dia Ananda Dian Mardiati Dini Dwi Ariska Eko Gani PG Fadrul Fadrul Fanny Liani Febdwi Suryani Ferdy Saputra Ferdy Saputra Fira Nafisah Firman Alfathy Fitri Maghfirah Fitri Yani Fitriadi, Nuzuli Fry Melda Saragih Gustientiedina Hadi Iskandar Hadi, Andre Pangestu Hafis, Ade Hasibuan, Vera Yunita Hawani Helwen Heri Hendri, Alfi Hisbullah, Muhammad Ali Ida Maryanti Silaban Ilynn Ilynn Indah Ciawi Intan Halifa Irwanda IRWANSYAH Iskandar Muda Iskandar Muda Ismail Ismail Sangkala, Ismail Jabbar, Meuthia Aula Jamaluddin Jimmi Juneris Juneris Keatrine Khairul Insana Leni Lifo Lilli Eprianti Luciana Fransisca Malik Ibrahim Mary Onasis Hasri Maryati Mimelientesa Irman Minda Agustina Moeda, Fadillah Muhammad Luthfi Hamzah Muhammad Salman Mujtaba M Momin Nata Aurellia Nelti Neneng Rahwana Neti Budiwati Nicholas Renaldo Ningsih, Nur Widya Noviria Melati Kent Novita Yulia Putri Nur Hariyanti Nurarifah Aini Nurdini Nuribadah Nurul Jannah Oktariani Oktariani Pangihutan Tua Manurung, Anto Sakti Pratiwi, Putri Khairani Purnama Ramadani Silalahi Raja Hardiansyah Ramziati Rasyid, Laila Muhammad Refina Zulita Restu Hayati Ribkha Ribkha Robert Marlyn Samtria Santi Arafah Sarli Rahman Sastro, Marlia Sayyid Ahmad Asshidiqi SEGATI, AHDA Sela Azkia Septi Solekhatun Shendy Dewanti Silvia Sari Sitompul Siregar, Tetty Handayani Sri Hartati Simatupang Sri Ramadhani Sudarno Sudrajat, Danu Sufyanto Suharti Sulistian, Fahmi Sumara, Andry Rivan Suriyanti, Linda Hetri Suyono Syafnur, M Syarbaini, Ahmad Muhaisin B. Tiara Sukmawati Tiarlenta T Pardosi Ummi Kalsum Wati, Yenny Welly, Yerisma Widari Hikmanda Widjiantoro, Surya Tegar Yandianus Dominikus Daeli Yenny Wati Yenny Wati Yunanda Eka Putra