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All Journal Martabe : Jurnal Pengabdian Kepada Masyarakat NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Proceeding International Seminar of Islamic Studies Jurnal Fokus Manajemen Jurnal Manajemen dan Pemasaran Jasa All Fields of Science Journal Liaison Academia and Sosiety Journal Liaison Academia and Society Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital (JEKOMBITAL) Eruditio : Indonesia Journal of Food and Drug Safety Jurnal Ilmiah Smart Nusantara Innovation Journal International Journal of Economics and Management Research
Hernawaty, Hernawaty
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Journal : Proceeding International Seminar of Islamic Studies

 1 
ALTMAN Z-SCORE MODEL FOR THE SUSTAINABILITY OF WONG POLO MANGROVE BEACH TOURISM BUSINESS Hernawaty, Hernawaty; Chrisna, Heriyati; Wahyuni, Sri
Proceeding International Seminar of Islamic Studies INSIS 5 (March 2023)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

This research is focused on analyzing business financial data, which aims to predict business sustainability using the Altman Z-Score method. The data collection technique was carried out using documentation techniques in the form of collecting the required data from existing financial data by the Wong Polo Mangrove Beach Tourism manager from 2019-2021. Data is analyzed using quantitative descriptive analysis. The main target of this research is to analyze financial data to anticipate the condition of financial difficulties (prediction of bankruptcy) using the Altman Z-Score method so that planned corrective actions can be taken for the sustainability of Wong Polo Mangrove Beach Tourism business and can be a reference for other tourist attractions in Kota Pari Village. In the planned improvement efforts,  cooperation is needed from business owners, local governments, and communities around tourist sites.
ANALYSIS OF ISLAMIC FINANCIAL LITERACY LEVEL ON MSME PRACTITIONERS IN PEMATANG SERAI VILLAGE Chrisna, Heriyati; Hernawaty, Hernawaty; Noviani, Noviani
Proceeding International Seminar of Islamic Studies INSIS 5 (March 2023)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

This research was conducted in Pematang Serai Village, Langkat Regency. Respondents of this study were MSME practitioners who were mostly customers of the Bumdes Mozaik Syariah Savings and Loan Business Unit in Pematang Serai Village. From the results of research using the financial literacy model formulated by Chen Volpe (1998) with measurements in 4 aspects it was found that the level of Islamic financial literacy in Pematang Serai Village UMKM practitioners included in the low category of 56.46%. The lowest aspect is the aspect of sharia investment, with the score obtained is 48.72%, while the highest aspect is the basic aspect of Islamic financial knowledge by obtaining a score of 66.4%. Suggestions that can be given to Pematang Langkat Village UMKM Practitioners to increase Islamic financial literacy are setting aside time to attend seminars or workshops on Islamic finance, for the village government is expected to facilitate activities related to efforts to increase Islamic financial literacy and the most expected is the OJK party Can go down to villages so that Islamic financial literacy in the village community, especially SMEs in the village can increase.
Co-Authors , Heriyati Chrisna Ardian, Noni Elisabeth Sitepu Ermal M, Eky Eva Nanda Wulandari Fransiskus Gultom, Fransiskus Gulo, Yona Gunawan, Slamet Karo-Karo, Selamat Maya Macia Sari Miftahurrahman Sinaga Niken Wulandari Noviani Noviani, Noviani Nurdiana, Indah Pardede, Marioga Rambe, Siti Halimah Selvia, Sela Sinaga, Miftahurrahmah Sri Wahyuni Sri Wahyuni Syahrani, Muchlis Vina Arnita