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Consumer Behavior of Non-Muslim Costumer Post Communal Conflict (1999-2000) in Bank Syariah Indonesia branch Tobelo North Halmahera Umasugi, Nirwan; Quilim, Cici Aryansi
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 1 (2022): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i1.3832

The inter-religious conflicts between Islam and Christianity (1999-2000) in North Halmahera had negative impact on the community such a destructive impression. The existence of Bank Syariah Indonesia branch Tobelo as part of the manifestation of Islamic law, has its own challenges in dealing with psychological trauma for non-Muslims. However, Bank Syariah Indonesia branch Tobelo still a special attraction as the number of customers has increased every year and shows the behavioral change of non-Muslim. The research aims to analyze the factors of consumer behavior such as profit sharing, business factor, social factors and personal factors influence the customer decisions in choosing to save at Bank Syariah Indonesia branch Tobelo after the 1999-2000 Communal Conflict. Through the multiple regression linear by SPSS ver.22, the author tries to find out the effect of profit sharing, business factor, social factor, and personal factor towards the interest of non-Muslim costumer. The result shows there is 70.9% of simultaneously effect towards the interest of non-Muslim costumer, meanwhile partially just business factor which has not shown any effect towards interest of non-Muslim costumer.

Effect of Auditor Ethics, Audit Experience, and Auditor Motivation on Internal Audit Quality Mahmud, Muhammad Daud Bin; Quilim, Cici Aryansi; Hasan, Lisa
Shafin: Sharia Finance and Accounting Journal Vol. 4 No. 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/sfj.v4i1.12772

The purpose of this study is to investigate how auditor motivation, audit experience, and ethics relate to the quality of audit result as evaluated by internal supervisors in local government. This study is driven by the perception that the government's internal oversight system lacks professionalism due to its poor performance in identifying state financial management fraud. Using Partial Least Square - Structural Equation Modeling (PLS-SEM) with SmartPLS 4 to assess the research model following the distribution of a questionnaire to thirty auditors designated to examine state financial management within the Central Halmahera Regency Government's jurisdiction. The study's findings demonstrate the significance of auditor ethics, audit experience, and motivation in completing audit duties in producing high-quality audit outcomes

PERAN BUMDES SIMPAN PINJAM UNTUK PEMBERDAYAAN EKONOMI MASYARAKAT DI DESA WAYABULA TINJAUAN EKONOMI ISLAM Quilim, Cici Aryansi; Juleng, Julmiati
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 1, No 1 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

The purpose of this study was to determine the role of Savings and Loans Village Owned Enterprises (BUMDes) on community economic empowerment and an overview of Islamic economics on the economic empowerment of the Wayabula Village community. The analysis used is descriptive qualitative, with primary and secondary data obtained by means of field observations, interviews and documentation. The results of the study reveal that the BUMDES Savings and Loans is still standing today and in an effort to empower the people of Wayabula Village, BUMDES provides assistance in the form of loans and business capital to small communities and helps improve the economic welfare of the community. Based on an Islamic economic review, the form of BUMDES savings and loans does not meet the rules of Islamic law because it still uses the interest system.

ISLAMIC FINTECH LENDING DETERMINANTS USING ISLAMIC FINANCIAL LITERACY AS A MODERATION VARIABLE Mahmud, Muhammad Daud Bin; Quilim, Cici Aryansi; Salmatia, Salmatia
Finansha: Journal of Sharia Financial Management Vol 5, No 1 (2024): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v5i1.33870

This study aims to determine the financial literacy of MSME actors in Morotai Island Regency as well as their erceptions in utilizing islamic fintech lending as an alternative business funding. Moderated Regression Analysis (MRA) with SPSS version 25 is the analysis approach used. 108 MSME units in six randomly chosen sub-districts received questionnaires with slovin technique, which was applied with a 0.05 margin of error and predetermined criteria. The study's findings demonstrate that the usage of islamic fintech lending is highly influenced by the perceived usefulness and ease of use of fintech. In addition, this study discovered that the impact of perceived usefulness and perceived ease of use on the frequency with which MSMEs use islamic fintech lending is not moderated by islamic financial literacy. The study's practical contribution is the realization that islamic financial literacy apart cannot be as a criteria for evaluating how MSME utilize islamic fintech lending to obtain funding for company expansion. Further research is necessary on digital literacy, which refers to MSME actors' ability in utilizing technology and digital platforms to obtain fintech funding. In addition, it's essential to focus on external factors like the availability of Islamic financial technology funding education and training for MSME.

Pendampingan Penyusunan Perencanaan Bisnis dalam Mendukung Kearifan Lokal Maluku Utara Sebagai Produk Unggulan Nasional Bin Mahmud, Muhammad Daud; Quilim, Cici Aryansi
KUAT : Keuangan Umum dan Akuntansi Terapan Vol 6 No 2 (2024): Edisi November
Publisher : Politeknik Keuangan Negara STAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31092/kuat.v6i2.2527

Perencanaan bisnis yang baik dapat meningkatkan kinerja suatu bisnis sehingga dapat memberikan dampak positif dalam menghadapi persaingan bisnis yang kompetitif. Begitu juga dengan pengelolaan bisnis yang tidak direncanakan dengan baik dapat menjadi penyebab suatu bisnis tidak dapat bertahan lama (unsustainable). Masalah yang selalu menjadi temuan pada pengelolaan Usaha Mikro Kecil dan Menengah (UMKM) adalah minimnya kesadaran pelaku usaha tentang pentingnya perencanaan bisnis pada tahapan memulai bisnis. Masalah tersebut menjadi alasan dilakukannya Pengabdian Kepada Masyarakat (PKM) ini, yaitu untuk mendampingi pelaku usaha yang baru memulai bisnis untuk merencanakan pengelolaan bisnisnya agar dapat bertahan dalam menghadapi persaingan bisnis. Metode yang digunakan yaitu pendampingan intensif selama 6 bulan. Hasil evaluasi dari kegiatan yang dilakukan selama 6 bulan menunjukan bahwa tahapan yang direncanakan dalam perencanaan PKM ini telah terealisasi dengan baik. Tahapan tersebut meliputi perumusan nama produk, perancangan desain kemasan, perhitungan harga pokok produksi untuk penetapan harga jual produk, analisis potensi pasar dan perencanaan strategi bisnis, penyusunan bisnis model canvas, penyusunan program kerja pengembangan, dan rekomendasi pengajuan label halal produk.

Pemberdayaan Pemuda Melalui Literasi Keuangan Syariah di Dufa-Dufa Ternate Shalihah, Mar'atun; Quilim, Cici Aryansi; Yaman, Afdhal; Silawane, Hapsa; Jana, Nurul
ALMUJTAMAE: Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2025): April
Publisher : Universitas Djuanda Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/almujtamae.v5i1.17898

Workshop Literasi Keuangan Syariah yang diselenggarakan di Desa Dufa-Dufa, Ternate, bertujuan untuk meningkatkan pemahaman dan kesadaran masyarakat, khususnya generasi muda, mengenai pentingnya pengelolaan keuangan berbasis syariah. Kegiatan ini menjadi respons terhadap maraknya praktik investasi bodong yang sering kali merugikan masyarakat akibat kurangnya literasi keuangan. Melalui agenda yang melibatkan penyampaian materi oleh narasumber ahli, diskusi interaktif, dan sesi tanya jawab, peserta memperoleh wawasan mengenai prinsip-prinsip keuangan syariah, strategi pencegahan investasi bodong, serta pengalaman langsung dari individu yang telah sukses menerapkan literasi keuangan syariah. Hasil kegiatan menunjukkan peningkatan pemahaman peserta tentang pentingnya literasi keuangan syariah sebagai upaya menciptakan pengelolaan keuangan yang lebih bijak, beretika, dan sesuai dengan prinsip halal. Kegiatan ini juga berhasil memotivasi peserta untuk menerapkan konsep keuangan syariah dalam kehidupan sehari-hari, termasuk memanfaatkan penghasilan untuk menabung, berinvestasi, dan mengelola risiko keuangan dengan lebih baik. Workshop ini menjadi langkah awal dalam upaya mendorong kesadaran masyarakat akan pentingnya literasi keuangan syariah untuk menciptakan kesejahteraan yang berkelanjutan.

ISLAMIC FINTECH LENDING DETERMINANTS USING ISLAMIC FINANCIAL LITERACY AS A MODERATION VARIABLE Mahmud, Muhammad Daud Bin; Quilim, Cici Aryansi; Salmatia, Salmatia
Finansha: Journal of Sharia Financial Management Vol. 5 No. 1 (2024): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v5i1.33870

This study aims to determine the financial literacy of MSME actors in Morotai Island Regency as well as their erceptions in utilizing islamic fintech lending as an alternative business funding. Moderated Regression Analysis (MRA) with SPSS version 25 is the analysis approach used. 108 MSME units in six randomly chosen sub-districts received questionnaires with slovin technique, which was applied with a 0.05 margin of error and predetermined criteria. The study's findings demonstrate that the usage of islamic fintech lending is highly influenced by the perceived usefulness and ease of use of fintech. In addition, this study discovered that the impact of perceived usefulness and perceived ease of use on the frequency with which MSMEs use islamic fintech lending is not moderated by islamic financial literacy. The study's practical contribution is the realization that islamic financial literacy apart cannot be as a criteria for evaluating how MSME utilize islamic fintech lending to obtain funding for company expansion. Further research is necessary on digital literacy, which refers to MSME actors' ability in utilizing technology and digital platforms to obtain fintech funding. In addition, it's essential to focus on external factors like the availability of Islamic financial technology funding education and training for MSME.

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