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All Journal Jurnal Manajemen & Keuangan J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal Samudra Ekonomika QISTINA: Jurnal Multidisiplin Indonesia Journal of Accounting Management Business and International Research EKOBIS SYARIAH Journal of Islamic Economics and Finance Velocity: Journal of Sharia Finance and Banking Jurnal Ilmiah Mahasiswa
Ulya, Zikriatul
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Social Sciences Other

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Strategy In Preventing Financial Distress: Resolution Of Problem Financing At Bank Aceh Syariah Branch Peureulak Aceh Ulya, Zikriatul; Safwandi; Sarita Ulfia; Muarif Setiawan; Zulhilmi
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,10 No 1 (2025)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v10i1.10962

Abstract

This study discusses the strategy of resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch peureulak, the problems presented in this study are, the level of financing problems in Bank Aceh Syariah sub-branch of peureulak how to solve problematic financing in preventing financial distress at Bank Aceh Syariah Peureulak auxiliary branch, what decisions are taken in the settlement of problematic financing, what are the strategies in the settlement of problematic financing. The purpose of this study is to analyze the strategy for resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch peureulak with a process hierarchy analysis method. This research method is the positive qualitative Analytic Hierarchy Process (AHP) method. The results of this study show that the alternative priority of problematic financing settlement strategies in preventing financial distress at Bank Aceh Syariah sub-branch peureulak from the results of the assessment of 3 criteria, 5 sub-criteria, and 4 alternatives based on the results of the analysis of AHP using expert choice The highest priority strategy is to close and sell one or more business units (0.293), then the second strategy priority is the extension of the credit schedule (0.280), and the third strategy is to reduce profits (0.231). In conclusion, the priority of alternative strategies for resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch of peureulak from the results of the assessment of 3 criteria, 5 sub-criteria, and 4 alternatives based on the results of the analysis using expert choice obtained is the highest priority of the third-party fund dependency strategy with an inconsistency value of 0.05< 0.1 interpreted as consistent. The recommendation for banks is to strengthen risk analysis and financing restructuring policies, while for customers, it is recommended to be cooperative in following financing rescue policies so that business sustainability is maintained and the risk of financial distress can be minimized.
Pengaruh Pendapatan Asli Daerah, Belanja Modal dan Dana Bagi Hasil Migas terhadap Pertumbuhan Ekonomi di Aceh Fatmawati; Ulya, Zikriatul; Hamid, Abdul
JIM: Jurnal Ilmiah Mahasiswa Vol 6, No 1 (2024): April 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v6i1.8224

Abstract

Economic growth is an indicator of the success of development implementation which can be used as a macro benchmark and changes in Gross Regional Domestic Product (GRDP) in a region. GRDP is the amount of added value produced by all business units in a region. The higher the economic growth of an area indicates the better the economic activity in that area. This research aims to determine the influence of PAD, Capital Expenditures, Oil and Gas Profit Sharing Funds on economic growth in Aceh, with the selected year starting from 2011-2020. This research uses quantitative methods and the data used is secondary data in the form of the Aceh Government Financial Report and the General Ministry of Finance. The data analysis method uses multiple linear regression analysis. The results of the research show that local revenue has a positive and significant effect on economic growth in Aceh with a significance value of 0.009 < 0.05 and a value of tcount of 3.778 > ttable l value of 1.8945. Capital expenditure has no significant effect on economic growth in Aceh with a significance value of 0.464 > 0.05 and a t value of -0.783 < t table value of 1.8945. Oil and gas profit sharing has no significant effect on economic growth in Aceh with a significance value of 0.521 > 0.05 and a tcount value of -0.682 < ttable value of 1.8945. The results of the F test (simultaneous) show that the significance value of F is 0.001 < 0.05 and the F value is 24.832 > 19.35 indicating that there is a positive and significant influence of PAD, Capital Expenditures, Oil and Gas Profit Sharing on economic growth in Aceh.
Pengaruh Sikap dan Pengetahuan Keuangan Di Kota Langsa : Dampak Manajemen Keuangan Pribadi dan Gender Sebagai Variabel Moderating Ulya, Zikriatul; Aisyah Putri; Syamsul Rizal; Aya Zulfia4; Muarif Setiawan
Journal Of Islamic Economics And Finance Vol 5 No 2 (2025): Vol. 5 No. 2 (2025)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jief.v5i2.10049

Abstract

This study aims to analyze the effect of financial attitudes and knowledge on personal financial management among students in Langsa City, with gender as a moderating variable. Using a quantitative descriptive approach with a sample of 200 students selected through purposive sampling, the data were analyzed using multiple linear regression and Moderated Regression Analysis (MRA). The results show that attitudes and financial knowledge have a positive and significant effect on personal financial management, both partially and simultaneously. In addition, gender moderates the relationship between these two variables, indicating that psychological, cognitive, and demographic factors play an important role in shaping students' financial behavior. These findings contribute theoretically to the understanding of financial behavior and provide practical recommendations for educational institutions to develop gender-sensitive financial literacy programs.
Analysis of Financial Planning and The Factors that Influence It: Student Case Study Alamsyah, Akla Rizka; Ulya, Zikriatul; Hisan, Khairatun
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 2 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v8i2.7103

Abstract

This research aims to determine the effect of financial literacy, financial behavior and self-control on student financial planning. This research is a quantitative study of 213 respondents using simple random sampling technique with the requirement that students have taken financial planning courses. Data analysis using SmartPLS with two model tests. The results obtained are that financial literacy, financial behavior and self-control have a positive and significant effect on financial planning partially. The findings also show that there is an indirect effect through self-control that financial literacy has a positive but not significant effect, but has a positive and significant effect on the relationship between financial behavior to financial planning. These results indicate that financial management knowledge will be much more useful if it is practiced in everyday life to achieve planned financial goals. For this reason, it is important for the world of education not only to teach financial knowledge, but also to help improve individual behavior so that they have good discipline and self-control.
Millennial Investment Behavior in the Digital Era: A Multidimensional Analysis Ulya, Zikriatul; Setiawan, Muarif; Salsabila, Nasywa; Zulhilmi
EKOBIS SYARIAH Vol. 10 No. 1 (2026): Modern Islamic Economic Paradigm: The Synergy of Technology, Social Finance, a
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v10i1.34642

Abstract

The expansion of digital technology has revolutionized investment patterns, especially among millennials, who are known to be adaptable to innovation. Ease of access to investment also carries risks for those who do not yet understand financial products. The main factors influencing millennial investment behavior include financial literacy, digital education, religiosity, and risk perception. This study aims to analyze the influence of financial literacy, digital education, religiosity, and risk perception on millennial investment behavior in the digital era. The study used a descriptive quantitative approach with an associative explanation method. The study sample consisted of 150 millennial student respondents in Langsa City, Participants were chosen using purposive sampling. The data were collected through questionnaires and analyzed with multiple regression methods. The results showed that financial literacy and digital education had a positive but insignificant effect on investment behavior, suggesting that increased financial knowledge and access to digital education were not sufficient to significantly encourage investment decisions. Conversely, religiosity and risk perception were shown to have a positive and significant effect, meaning that the higher the level of religiosity and the better the understanding of risk, the greater the tendency of millennials to invest. Simultaneously, all four variables significantly influenced investment behavior. Research findings indicate that millennials' investment behavior is influenced not only by financial literacy and digital education, but also by religiosity and risk perception. Therefore, improving literacy, implementing digital education, and strengthening religious values and risk management are crucial for developing wise and sustainable investment behavior.
Co-Authors Abdul Hamid Agustinar, Agustinar Aisyah Putri Alamsyah, Akla Rizka Alfian Andi Peristiawan Armaya, Tika Aya Zulfia4 Dewi , Meutia Eliza, Zulfa Fatmawati Fatmawati FW Pospos, Ade Fadillah Hisan, Khairatun Mauliani, Adjeng Muarif Setiawan Muarif Setiawan, Muarif Safwandi Salsabila, Nasywa Sari, Elindian Kartika Sarita Ulfia Sumarni, Mutia Syamsul Rizal Zefri Maulana Zuhra, Nur rahmi Zulfa Eliza Zulhilmi