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All Journal JURNAL KEBANGSAAN NUSANTARA : Jurnal Ilmu Pengetahuan Sosial JURMA : Jurnal Program Mahasiswa Kreatif Journal Informatic, Education and Management (JIEM) Jurnal Cahaya Mandalika Jurnal Ekonomi Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Jurnal Bina Bangsa Ekonomika KNOWLEDGE: Jurnal Inovasi Hasil Penelitian dan Pengembangan Journal of Comprehensive Science Aceh Journal of Community Engagement (AJCE) International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT)
Muhammad Saifrizal
Universitas Islam Kebangsaan Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Physics Public Health Social Sciences Other

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Inklusi Keuangan Melalui Literasi Keuangan, Modal Sosial, dan Teknologi Finansial: Desa Blang Kecamatan Syamtalira Aron Kabupaten Aceh Utara Bustami, Koko; Saifrizal, Muhammad; Inuzula, Lakharis
Journal of Comprehensive Science Vol. 4 No. 2 (2025): Journal of Comprehensive Science (JCS)
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v4i2.3011

Abstract

In this era of digitalization, the development of technology is so rapid, we can feel this from the ease of all jobs that used to be very complex, such as the existence of financial inclusion systems and financial technology, namely banks or e-banking. Banks play an important role for society, this has proven to be a brilliant solution in financial transactions and transfers. So in this case, the role of financial literacy, financial technology and social capital is very important to increase financial inclusion. This study aims to see how the influence of financial literacy on financial inclusion, the influence of social capital on financial inclusion, and financial technology on the financial inclusion of the people of Blang Village". The research method was quantitative with library research data collection techniques and questionnaire distribution. The population of 300 local people with a percentage of relaxation of 5%, sampling using the Slovin formula so that it became 171 respondents. The sampling technique uses a purposive sampling technique with the criteria of productive age of 20 to 40 years who use financial services and live in Blang Village. Data analysis uses descriptive and multiple linear regression. The results of partial financial literacy have no effect on financial inclusion with a tcal value of 1,715 smaller than ttable 1,794 (1,715<1,974). social capital, affecting financial inclusion with a tcal value of 5,293 greater than ttable (5,293>1,974). financial technology has an effect on financial inclusion with a tcal value of 4,235 greater than ttable (4,235>1,974), a simultaneous hypothesis that there is an influence of financial literacy, social capital and financial technology on financial inclusion with a fcal value of 100,393 greater than ftable 2.66 (100,393>2.66).
PENGELOLAAN KEUANGAN DANA BOS REGULER DAN AKUNTABILITAS PELAPORAN KEUANGAN DAERAH BERDASARKAN PERMENDIKBUD NO. 6 TAHUN 2021 DI KOTA LHOKSEUMAWE Saifrizal, Muhammad; Yusuf, Yafitzam
Jurnal Cahaya Mandalika ISSN 2721-4796 (online) Vol. 3 No. 2 (2022)
Publisher : Institut Penelitian Dan Pengambangan Mandalika Indonesia (IP2MI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/jcm.v3i2.2172

Abstract

Tujuan penelitian ini untuk mengukur dan melihat sejauh mana pengelolaan keuangan Dana BOS Reguler dan pertanggungjawaban pelaporan keuangan daerah yang berlaku umum berdasarkan Permendikbud No. 6 Tahun 2021 yang dilaksanakan oleh seluruh Satuan Pendidikan yang ada di Kota Lhokseumawe untuk menjamin efektivitas penggunaan BOS dalam mendukung program wajib belajar. Pendekatan penelitian ini adalah penelitian deskriptif kualitatif. Metode pengumpulan data yang digunakan dalam penelitian ini yaitu dengan teknik wawancara, teknik dokumentasi dan teknik observasi. Hasil penelitian ini bahwa Perencanaan pengelolaan dana BOS pada satuan pendidikan di Kota Lhokseumawe telah dilaksanakan dengan baik oleh Kepala Sekolah, Bendahara sekolah, Dewan guru, dan Komite sekolah, yang diimplementasikan dalam RKAS yang kemudian diinput dalam Aplikasi Rencana Kegiatan Anggaran Sekolah (ARKAS). Pelaksanaan penggunaan dana BOS telah sesuai dengan dua belas item tata kelola bos yang telah diatur oleh Pemerintah. Apabila anggaran dalam BOS tidak cukup padahal dana triwulan berikutnya belum cair maka bendahara BOS dengan persetujuan Kepala Sekolah meminjam kepada pihak ketiga seperti Koperasi PNS. Pelaporan dana BOS Reguler pada satuan pendidikan di wilayah Kota Lhokseumawe masih menggunakan dua metode secara online dan offline. Untuk pelaporan dan pertanggungjawaban dana BOS reguler dilakukan oleh bendahara sekolah dengan membuat SPJ sesuai transaksi yang terjadi.
FINANCIAL RESILIENCE: LEVEL OF SHARIA FINANCE LITERACY AND INCLUSION TOWARDS EXPANDING FINANCIAL ACCESS Koko Bustami; Muhammad Saifrizal; Lakharis Inuzula
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 3 No. 4 (2024): January (January-March)
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v3i4.1380

Abstract

The urgency of the problem, several main indicators that support this achievement, include increasing financial access, accelerating the use of formal financial services, and improving the quality of financial services. The level of financial literacy in Indonesia is still lower than financial inclusion. Financial literacy has only reached 38.03%. while sharia financial literacy is 20.1%. To increase the level of financial literacy, education and outreach are carried out quite intensively by the National Council for Inclusive Finance. Apart from the general public, education and outreach is also carried out among students and micro and small businesses around Islamic boarding schools (ponpes) as priority groups, in accordance with the mandate of Presidential Regulation Number 114 of 2020 concerning the National Strategy for Inclusive Finance. Indonesia itself has more than 30 thousand Islamic boarding schools and more than 4.2 million Islamic boarding school students. Some of these Islamic boarding schools have great potential in the fields of agriculture, animal husbandry, fisheries and MSEs which can become a driving force for the people's economy, sharia economy and halal MSEs. The sharia financial literacy index in 2019 showed an increase, namely to 8.93% from the previous 8.1% in the previous survey period in 2016. The aim of this research is to determine whether or not there is a relationship between literacy and financial inclusion, whether literacy has a relationship with expanding access. finance, whether financial inclusion has a relationship to expanding financial access. and to measure the level of understanding of female students regarding financial literacy in increasing sharia financial inclusion towards expanding financial access. The ultimate goal of financial literacy and inclusion is the financial welfare of society or often referred to as financial well-being. One of the characteristics of financial well-being is financial resilience. Financial resilience is a condition where a person has the ability to overcome various problems and financial shocks that he or she may face. The output of this research is the publication of accredited National Scientific Articles, namely the Sean Institute Economic Journal with the achievement indicator "Letter of Accepted". The final level of Technology Readiness (TKT) for this research is at level 2 and will end at TKT 5.
DESIGN AND PRACTICE OF FINANCIAL PERFORMANCE MEASUREMENT NOVELTY USING THE BALANCED SCORECARD METHOD Harley Agustian As-Samawi; Sutoyo; Muhammad Saifrizal; Agustin Nurhayati
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 4 No. 2 (2024): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v4i2.1831

Abstract

This research aims to determine the design of financial performance measurements using the Balanced Scorecard method in Computer and other Equipment sub-sector companies listed on the Indonesia Stock Exchange for the 2018-2023 period. This research approach is a descriptive approach, where the descriptive approach is a research method carried out to collect data according to the actual situation, classify and analyze the data, make conclusions to create an objective picture of the situation. The type of data in this research is quantitative data, namely data in the form of explanations/statements in the form of numbers. The data collection technique for this research is a documentation technique on the BEI secondary data source. The results of this research show that the ASGR company shows that its financial performance has achieved good and effective performance in the VERY GOOD category.
ANALISIS BIAYA – VOLUME – LABA DALAM PERENCANAAN LABA PADA USAHA KERIPIK Alifvia, Alifvia; Bustami, Koko; Ferdiananda Chadafi, Muhammad; Saifrizal, Muhammad
NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Vol 10, No 4 (2023): NUSANTARA : JURNAL ILMU PENGETAHUAN SOSIAL
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jips.v10i4.2023.2171-2179

Abstract

Manajer dapat lebih memahami hubungan antara volume biaya dan keuntungan dengan menggunakan studi biaya volume keuntungan (cvp). Untuk proses pengambilan keputusan perusahaan dalam perencanaan laba, analisis ini sangat membantu. Analisis untuk menentukan penjualan minimum yang diperlukan perusahaan untuk menghindari kerugian tetapi belum menghasilkan keuntungan, atau untuk mengatakan bahwa keuntungan sama dengan nol. Penelitian ini menggunakan metodologi kualitatif. Penelusuran secara langsung dalam bentuk informasi dari usaha tersebut, dengan terknik pengambilan sampel dilakukan secara purposive dan snowball dan triangulasi. menggunakan data biaya, volume penjualan dan pendapatan tahun 2020-2022. Ada perbedaan sebelum dan sesudah analisis BEP. Pada saat harga dinaikkan 10% maka perbandingan jumlah target unit sebesar 563kg sebelumnya sebesar 671kg. jika biaya variable diturunkan 10% maka arget penjualan hanya 614kg sebelumnya 671kg
Co-Authors Abdullah Abdullah Abdullah Abdullah Afra Fadhilah Agustin Nurhayati Alifvia Alifvia Alifvia, Alifvia Bustami, Koko Fais Al Hadi Ferdiananda Chadafi, Muhammad Harley Agustian Hendiyani, Dina INUZULA, LAKHARIS Juanda Juanda Juanda Koko Bustami LAKHARIS INUZULA Maulana, Mizan Mizan Maulana Muhammad Ferdiananda Chadafi Muhammad Ferdiananda Chadafi Nurul Izzati Rosdiana Silvina, Tika Simahatie, Mai Sutoyo Yusuf, Yafitzam