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All Journal Jurnal MD Tasharruf: Journal Economics and Business of Islam AT-TASYRI' Jurnal Ilmiah Prodi Muamalah JIHBIZ :Global Journal of Islamic Banking and Finance. Jurnal Ekonomika dan Bisnis Islam JIEPS: Jurnal Ilmiah Ekonomi Islam dan Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh Journal of Economics, Bussiness and Management Issues International Journal of Kita Kreatif Jurnal Pengabdian Bakti Akademisi
Farma, Junia
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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PERAN PEREMPUAN DALAM MENINGKATKAN KESEJAHTERAAN KELUARGA: TINJAUAN EKONOMI ISLAM Fauzah, Nurmela; Fuad, Zaki; Farma, Junia; Umuri, Khairil
JURNAL MANAJEMEN DAKWAH Vol. 9 No. 2 (2023)
Publisher : UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmd.2023.92.02

Abstract

This Along with the development of the times, women not only served as housewives but also played a role in helping the family's economy by working outside the home. This condition also occurs in Banda Aceh, with many women working as online motorcycle taxi drivers. So this study analyzes female workers who work as online motorcycle taxi drivers in the Koala community from an Islamic economic perspective. This study uses a qualitative approach with descriptive analysis in the form of field research (field research). The results found that the factors that influence women working as online motorcycle taxi drivers in the Koala community are caused by economic and sociocultural factors. The involvement of women in working as online motorcycle taxi drivers does not conflict with Islamic rules. Islam does not prohibit women from doing work outside the home, provided they do not violate the limits set by Islam. Economically, working as an online motorcycle taxi driver is very helpful for the family economy so that it can meet family needs. The government is expected to pay more attention to women workers so that they are comfortable and safe. Entrepreneurship training is also needed so that women are more independent and creative.
DETERMINAN MINAT BELI ULANG PADA RESTORAN BERSERTIFIKASI HALAL YANG DIMEDIASI KEPERCAYAAN Sharmila; Umuri, Khairil; Farma, Junia
Jurnal Ekonomika dan Bisnis Islam Vol 6 No 3 (2023): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v6n3.p101-116

Abstract

The development of the halal industry is an advantage for the Indonesian state with a majority Muslim community. Restaurant is one of the businesses that is the main focus in the halal industry. This study empirically investigates the effect of price and service on repurchase intention at halal-certified restaurants. He also tries to explore the role of trust as a mediator in the relationship between price, service, and repurchase intention. A number of 85 customers of halal restaurants in Banda Aceh City were selected as research samples using a purposive sampling technique. This study uses primary data which is then analyzed using path analysis and the Sobel test. This study found that price and service have a significant effect on trust and repurchase intention. In addition, trust was found not to significantly mediate the effect of price on repurchase intention. On the other hand, trust was found to have a significant mediating effect on service on repurchase intention. It is hoped that halal restaurant entrepreneurs can improve service and adjust prices appropriately so that public trust increases so that repurchasing interest emerges. Entrepreneurs are also expected to maintain the halalness of their products.
ANALISIS PERSEPSI DAN DAMPAK PENERAPAN QANUN LEMBAGA KEUANGAN SYARIAH PADA PERBANKAN DI ACEH Anzira, Raudhatul; Farma, Junia; Umuri, Khairil
AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 14 No. 1 (2022): At-Tasyri': Jurnal Ilmiah Prodi Muamalah
Publisher : Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/tasyri.v14i1.1093

Abstract

This study aims to examine the public's perception of banking institutions and the impact of the implementation of Qanun no. 11 of 2018 on the growth of sharia banking customers. This research is a field research, and the nature of this research is descriptive qualitative. The data collection technique is through interviews with bank employees and the people of Bireuen Regency, Aceh. Based on the results of the study, it shows that public perception, viewed from the aspect of understanding and satisfaction is relatively low, this is due to the lack of socialization related to the bank's operational system and the lack of banking responses in responding to public complaints related to bank services. When viewed from the aspect of trust, the majority of the community supports the LKS Qanun so that the regional economy runs Islamically. Therefore, Islamic banking is expected to be able to carry out socialization and education, as well as expand networks and improve human resources.
Pengaruh Transparansi Dan Akuntabilitas Terhadap Pengelolaan Bantuan Langsung Tunai Dana Desa (BLT-DD) Menurut Perspektif Ekonomi Islam Putri, Arzika; Farma, Junia
Journal of Economics, Bussiness and Management Issues Vol. 2 No. 1 (2024): Oktober-Desember
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jebmi.v2i1.494

Abstract

The Village Fund Direct Cash Assistance Program (BLT-DD) is one of the government's efforts to overcome poverty in the regions, especially in villages. However, the implementation of this program is often faced with various challenges, including the problem of transparency and accountability in fund management. This study aims to determine the effect of transparency and accountability on the management of village fund direct cash assistance from an Islamic economic perspective in Nisam District, Aceh Utara Regency. The research method applied is a quantitative method using multiple regression analysis. The respondents in this study were village officials in Nisam District totaling 80 people. The results of the study indicate that the transparency variable has a positive and significant effect on the management of BLT-DD partially. Likewise, the accountability variable partially shows a positive and significant effect on the management of BLT-DD. In addition, transparency and accountability simultaneously have a positive and significant effect on the management of BLT-DD, with a Determination Coefficient (R²) value of 38. This study is expected to be a reference for policy makers in improving village fund governance effectively and efficiently. In addition, this study can help village officials understand the importance of transparency and accountability in increasing public trust in government programs. Therefore, stricter training and supervision is needed for village officials in terms of financial management based on Islamic principles.
Lembaga Keuangan Syariah di Aceh: Tantangan dan Peluang Farma, Junia; Umuri, Khairil
AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 16 No. 2 (2024): At-Tasyri': Jurnal Ilmiah Prodi Muamalah
Publisher : Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/tasyri.v16i2.2902

Abstract

Aceh is a region that applies Islamic law, including in the economic sector. Every sharia financial institution in Aceh must operate in accordance with Islamic law, therefore, sharia financial institutions in Aceh face several challenges and opportunities. This research analyzes the challenges and opportunities faced by Islamic financial institutions in Aceh. This research uses a qualitative approach with descriptive analysis methods. Data collection was carried out by interviewing several informants consisting of OJK Aceh, Academics, and DSN-MUI. The research results show that there are several challenges faced by sharia financial institutions in Aceh, such as a lack of quality Human Resources (HR), the existence of sharia financial institutions in Aceh is still limited, a lack of investors in sharia financial institutions, and the Financing to Deposit Ratio (FDR) Sharia financial institutions in Aceh are still low compared to the national average. Apart from the challenges above, Islamic financial institutions also have opportunities such as top-down regulation of Islamic financial institutions providing legal certainty and full support from the government, and the market potential for Islamic financial institutions in Aceh is very large because the majority of the population is Muslim. Therefore, Islamic financial institutions in Aceh must adapt sharia-based strategies to overcome challenges and take advantage of existing opportunities.
Islamic Financial Literacy Socialization at Pesantren Terpadu Semayoen Nusantara Riyaldi, Muhammad Haris; Farma, Junia; Najla, Najla; Umuri, Khairil; Muftahuddin, Muftahuddin
Jurnal Pengabdian Bakti Akademisi Vol 2, No 1 (2025): Jurnal Pengabdian Bakti Akademisi
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jpba.v2i1.44321

Abstract

This activity aims to enhance the understanding and skills of pesantren administrators and students in managing Islamic finance, including the principles of Sharia-based financial management and the integration of digital financial technology. The event took place on Saturday, August 24, 2024, at Pesantren Terpadu Semayoen Nusantara, using a service learning (SL) approach that involved all stakeholders of the pesantren as active participants. Evaluation through pre-tests and post-tests showed significant improvement in participants' understanding, with a notable increase in their comprehension of Islamic finance principles after the activity. Participants also demonstrated a better readiness to apply Islamic financial literacy concepts into real-life practice, such as implementing Sharia-compliant financial management within the pesantren. These results are consistent with previous studies that highlight the critical role of education and capacity building in promoting the adoption of Islamic financial systems within the community.This activity contributes to the SDG's goals, particularly Goal 4 (Quality Education) and Goal 8 (Decent Work and Economic Growth), by equipping the pesantren community with knowledge and skills to manage finances ethically and effectively. Despite challenges such as time constraints, this activity successfully achieved its objectives and inspired the implementation of similar programs in the future.
An Analysis of the Role of the Mitra Dhuafa Cooperative (KOMIDA) in Awakening the Economic Potential of Women in the Pase Raya Sub-District, Aceh Jaya District Karila, Nurul; Farma, Junia; Najla, Najla
International Journal of Kita Kreatif Vol 2, No 1 (2025): International Journals Kita Kreatif Vol.2 No.1 Februari 2025
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/ijkk.v2i1.44856

Abstract

Mitra Dhuafa Cooperative (KOMIDA) society, especially for economically weak women, as a financial institution that focuses on providing business capital assistance for the small and medium economic business sector has been supportive in sustaining the lives of micro-enterprises, home-based businesses, and low-income women in general. This thesis research aims to find out the role of Koperasi Mitra Dhuafa (KOMIDA) in raising the economic potential of women in Pasie Raya District, Aceh Jaya Regency. This research is a qualitative descriptive research. The data used is primary data obtained from direct interviews with the management of the Mitra Dhuafa Cooperative Branch and members in Pulo Tinggi, Lhok Guci, and Tuwi Perya Villages in Pasie Raya District, Aceh Jaya Regency. Data collection techniques using interview techniques, observation, and documentation. Data analysis techniques in this study are 1) data reduction, 2) data presentation, 3) data analysis, and conclusion drawing. The results showed that: (1) the implementation of savings and loan business unit activities, creating business entrepreneurs for women who allow community potential to develop (2) the existence of Mitra Dhuafa Cooperative, can make it easier for women to generate existing potential through capital loans so that they can improve the economy better.
Improving Public Speaking Of Pawnshop Employees' Wives Through Optialization Of Product Knowledge And Creative Marketing Sari, Meutia Dwi Novita; Farma, Junia; Halim, Hendra; Umuri, Khairil
Jurnal Pengabdian Bakti Akademisi Vol 1, No 3 (2024): Jurnal Pengabdian Bakti Akademisi
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jpba.v1i3.40943

Abstract

Public speaking is an essential skill in many sectors, including business and financial services. Effective public speaking involves not only speaking ability, but also clarity of information delivery and the ability to motivate the audience. Members of the Pawnshop Employees Wives Association (IIKP) have a strategic role in disseminating information related to pawnshop products and services. However, there is a gap in public speaking skills and product understanding among IIKP members. Therefore, a training program was held that focused on improving public speaking skills, understanding product knowledge, and applying creative marketing strategies. The training used the service learning (SL) method, involved 30 participants with various educational backgrounds, and focused on hands-on practice and application of innovative marketing strategies. The results showed significant improvement in public speaking skills and pawnshop product understanding with higher post-test scores than pre-test. The main challenges encountered included different levels of understanding among participants and limited technological knowledge. The positive impacts of this activity include increased competence of IIKP members in delivering product information with more confidence, as well as the potential to implement more creative and effective marketing strategies. This activity made a significant contribution to women's empowerment and sustainable communication and marketing capacity building
Developing Halal Tourism through Stakeholder Engagement and Capacity Building Maulana, Hafiizh; Farma, Junia; Hakim, Lukmanul; Lubis, Muharman
Jurnal Pengabdian Bakti Akademisi Vol 2, No 2 (2025): Jurnal Pengabdian Bakti Akademisi
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jpba.v2i2.46295

Abstract

This community service activity, consisting of seminars and workshops, was conducted to address the lack of understanding and implementation of halal standards in the tourism sector, particularly among business practitioners, students, and academics. The primary objective of this initiative was to enhance human resource capacity in developing inclusive and sustainable halal tourism. The approach employed was Service-Learning, which emphasizes active collaboration between the service team, participants from diverse backgrounds, and relevant stakeholders. The activity engaged 50 participants, including culinary entrepreneurs, accommodation managers, tour guides, students, and academics. The materials presented covered key topics such as the concept of halal tourism, halal certification standards, management of Muslim-friendly destinations, and marketing strategies for halal products. Evaluation through pre-tests and post-tests revealed an average increase of 38% in participants understanding, indicating the effectiveness of the educational approach applied. Furthermore, there was an estimated 10% increase in Muslim tourist visits within six months after the activity, reflecting the positive impact of improved halal product and service quality. The involvement of students and academics also reinforced the synergy between theory and practice, fostering opportunities for applied research and innovation in halal tourism development. Challenges encountered included initial resistance from some business actors, varying levels of community readiness to adopt halal standards, and limited time availability among academic participants. These were mitigated through participatory approaches and flexible scheduling. Overall, this activity made a significant contribution to the development of sustainable halal tourism, strengthening the local economy and culture while supporting the achievement of sustainable development goals through human resource empowerment and the enhancement of the halal tourism ecosystem.
The Effect of Product Innovation and Entrepreneurial Orientation on the Competitive Advantage of Halal Culinary MSMEs in Banda Aceh City Abrar, Duta; Farma, Junia; Qurratulaini, Intan
International Journal of Kita Kreatif Vol 2, No 2 (2025): International Journals Kita Kreatif Vol.2 No. 2 Mei 2025
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/ijkk.v2i2.46246

Abstract

The Effect of Product Innovation and Entrepreneurial Orientation on the Competitive Advantage of Halal Culinary MSMEs in Banda Aceh City. Every company, including MSMEs, must have an entrepreneurial orientation toward creating innovative products with high selling power to correctly and effectively create competitive advantages. This study aims to determine the partial and simultaneous effects of product innovation and entrepreneurial orientation on the competitive advantage of halal MSMEs in Banda Aceh City. This quantitative study involved distributing questionnaires to 104 respondents. The results showed that the variables of product innovation and entrepreneurial orientation had a significant, simultaneous effect on the competitive advantage of halal MSMEs in Banda Aceh City. These results prove that product innovation and entrepreneurial orientation play an important role in influencing the competitive advantage of halal MSMEs, especially from an Islamic economic perspective.
Co-Authors Abrar, Duta Anzira, Raudhatul Ariani, Puji aryani, puji Fauzah, Nurmela fazly, teuku rinaldy Fithriady Fuad, Zaki Hafiizh Maulana Halim, Hendra Ilyas, Fithriady Indah, Cahyani Rahmitha Intan Qurratulaini Karila, Nurul Khairil Umuri Lukmanul Hakim Maulana, Hafizh Muftahuddin, Muftahuddin Muhammad Arifin Muhammad Haris Riyaldi, Muhammad Haris Muharman Lubis muharram, rahmi Najla, Najla Natasyrah, Zafira Pratama, Andrean Putri, Arzika Salamah, Ummi Sari, Meutia Dwi Novita Sharmila Ulfa, Nadia Umuri, Khairil