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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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PENGARUH FINANCIAL LITERACY, FINANCIAL BEHAVIOR, FINANCIAL ATTITUDE, DAN DEMOGRAFI TERHADAP PERILAKU KONSUMTIF (STUDI PADA MAHASISWA PROGRAM STUDI EKONOMI SYARIAH FAKULTAS EKONOMI DAN BISNIS ISLAM UNIVERSITAS ISLAM NEGERI AR-RANIRY BANDA ACEH) fazly, teuku rinaldy; aryani, puji; farma, junia
Jurnal Ekonomi & Perbankan Syariah Vol 1, No 2,November (2021): JEIPS: Jurnal Ekonomi Islam & Perbankan Syariah
Publisher : Prodi Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37598/jeips.v1i2,November.1197

Abstract

Setiap orang memiliki tuntutan untuk memenuhi kebutuhan. Namun dalam kenyataanya mereka cenderung lebih mendahulukan keingingan, sehingga menimbulkan perilaku konsumtif. Penelitian ini bertujuan untuk mengetahui pengaruh financial literacy, financial behavior, financial attitude, demografi terhadap perilaku konsumtif. Pada penelitian ini menggunakan kuesioner dengan 90 responden mahasiswa Program Studi Ekonomi Syariah Universitas Islam Negeri Ar-raniry Banda Aceh menggunakan teknik sampel non probability sampling Analisis penelitian ini menggunakan analisis regresi linier berganda. Hasil penelitian ini menunjukkan bahwa financial literacy tidak berpengaruh signifikan terhadap perilaku konsumtif, financial behavior tidak berpengaruh signifikan terhadap perilaku konsumtif, financial attitude berpengaruh signifikan terhadap perilaku konsumtif, dan demografi berpengaruh signifikan terhadap perilaku konsumtif pada mahasiswa Program Studi Ekonomi Syariah.
Analisis Potensi dan Pengelolaan Wakaf Produktif Pada Masjid di Kota Sigli Kabupaten Pidie muharram, rahmi; farma, junia; fithriady, fithriady
Jurnal Ekonomi & Perbankan Syariah Vol 1, No 2,November (2021): JEIPS: Jurnal Ekonomi Islam & Perbankan Syariah
Publisher : Prodi Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37598/jeips.v1i2,November.1196

Abstract

Salah satu upaya dalam pengentasan kemiskinan adalah dengan adanya pemberdayaan wakaf produktif. Penelitian ini bertujuan untuk mengetahui potensi dan pelaksanaan wakaf produktif pada masjid-masjid di Kota Sigli. Jenis penelitian pada penelitian ini adalah penelitian kualitatif dan objek pada penelitian ini berjumlah 3 masjid yaitu, masjid Al-Falah Sigli, masjid Istiqamah Lampoh Krueng, dan masjid Istiqamah Blang Paseh. Hasil penelitian ini menunjukkan bahwa potensi harta wakaf produktif masjid-masjid Kota Sigli yaitu rumah, tanah pertanian, dan lancang garam. Hasil dari pengelolaan wakaf produktif diperuntukkan untuk masjid. Pelaksanaan wakaf produktif di masjid-masjid Kota Sigli masih sangat sederhana dan tradisional.
Does Religiosity Influence the Relationship Between Sharia Governance and Member Loyalty in Islamic Cooperatives? Umuri, Khairil; Halim, Hendra; Farma, Junia; Indah, Cahyani Rahmitha
Tasharruf: Journal Economics and Business of Islam Vol 10, No 1 (2025): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i1.3576

Abstract

Sharia cooperatives play a pivotal role in advancing Islamic economic development by offering financial services aligned with Islamic principles. Nonetheless, sustaining member loyalty remains a significant challenge. This study investigates the impact of Sharia governance on member loyalty within Sharia cooperatives in Banda Aceh City and examines the moderating role of religiosity in this relationship. Employing an explanatory research design, primary data were collected through questionnaires distributed to 200 purposively selected respondents. The data were analyzed using moderated regression analysis to test the proposed hypotheses. The findings reveal that Sharia governance exerts a positive and significant influence on member loyalty. However, religiosity was found to weaken this relationship, indicating that members with higher levels of religiosity tend to rely more on personal beliefs than institutional governance when forming loyalty. These results suggest that member engagement strategies should not only focus on structural and governance compliance but also incorporate the diverse religious values held by cooperative members. The study offers practical implications for enhancing loyalty in faith-based financial institutions. Limitations include the cross-sectional nature of the data and its geographic restriction to a single region, which may affect the generalizability of the results. Future research is encouraged to include broader contexts and longitudinal data.
Pengaruh Content Marketing dan Brand Awareness Terhadap Costumer Engagement Ditinjau dari Perspektif Ekonomi Islam Farma, Junia; Natasyrah, Zafira; Ilyas, Fithriady
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/arp7wt21

Abstract

The development of marketing communication has become easier thanks to content marketing and brand awareness strategies, which are widely used by companies. This study aims to analyze the effect of content marketing and brand awareness on customer loyalty of Kopi Memangan in Banda Aceh City from an Islamic economic perspective. The population in this study included all consumers of Kopi Memangan in Banda Aceh City. This research uses quantitative approach. The sample used amounted to 100 respondents with accidental sampling technique. The data analysis technique used is multiple linear regression and hypothesis testing. The results showed that: (1) content marketing and brand awareness simultaneously have a positive and significant effect on customer commitment of memorable coffee in Banda Aceh City; (2) content marketing partially has a positive and significant effect on customer commitment of memorable coffee in Banda Aceh City; and (3) brand awareness also partially has a positive and significant effect on customer commitment of memorable coffee in Banda Aceh City.
The Influence of Compensation, Motivation, and Work Discipline on Employee Performance from an Islamic Economic Perspective Pratama, Andrean; Maulana, Hafizh; Farma, Junia
International Journal of Kita Kreatif Vol 2, No 3 (2025): International Journals Kita Kreatif Vol. 2 No. 3 Agustus 2025
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/ijkk.v2i3.48828

Abstract

The Shopee Express Hub in Banda Aceh faces challenges in improving employee productivity and work quality. Variables such as compensation (salary and incentives), motivation (internal and external), and work discipline (adherence to rules and responsibilities for tasks) are considered significant factors in influencing employee performance. This study was conducted using a quantitative approach through the collection of primary data via a questionnaire distributed to Shopee Express Hub employees in Banda Aceh. The data analysis technique used was multiple regression to test the research hypotheses, and the data was processed using SPSS version 22. Based on the results of the study conducted using a t-test, it was concluded that compensation does not significantly influence employee performance. However, motivation was found to significantly influence employee performance, while work discipline also showed a significant impact on performance. Furthermore, the results of the F-test indicate that compensation, motivation, and work discipline simultaneously influence employee performance. Based on these findings, the researcher provides the following suggestions: the company should increase its attention toward employees by providing additional compensation as a form of recognition for their dedication, which can further motivate them to work harder. For the employees themselves, discipline is a very important factor in creating a healthy work environment. Therefore, awareness of company rules must be improved to foster better organizational performance.
CAUSALITY OF REGIONAL ORIGINAL INCOME (PAD), REGIONAL EXPENDITURE, POVERTY LEVEL AND ECONOMIC BENEFICTS Ulfa, Nadia; Farma, Junia; Ariani, Puji
International Journal of Kita Kreatif Vol 1, No 1 (2024): International Journals Kita Kreatif Vol.1 No.1 Februari 2024
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/ijkk.v1i1.37603

Abstract

This study aims to determine the correlation between Regional Original Income (PAD), regional expenditures, poverty and economic benefits as measured by the level of the Human Development Index (IPM). This data research uses panel data from 23 districts/cities in Aceh in the period 2014-2019. Panel Vector Error Correction Model (PVECM) and panel Granger causality test were used to analyze the data. This study shows that there is a long-term relationship between variables, namely regional spending, poverty, and Human Development Index (IPM). Whereas in the shortterm PAD has no effect on poverty, but PAD does not affect regional spending and has a negative effect on HDI, then regional expenditure is not affected by poverty, but does not have a positive effect on HDI, while it has a negative impact on HDI. The results of the Granger Panel causality test can be found that there is a causal relationship between regional spending and HDI on PAD, while the disease has a one-way relationship with PAD. Then there is also a one-way relationship between regional spending and poverty on HDI, but poverty and HDI have no relationship between the two.
Contractual Risk and Consumer Protection in Salam Transactions: A Case Study of Fruit Trading in Aceh Besar, Indonesia Salamah, Ummi; Arifin, Muhammad; Farma, Junia
International Journal of Kita Kreatif Vol 2, No 4 (2025): International Journals Kita Kreatif Vol.2 No. 4 November 2025
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/ijkk.v2i4.51152

Abstract

This study examines the implementation of the salam contract in fruit trading practices at the Lambaro Central Fruit Market, Aceh Besar, with a particular focus on assessing its compliance with the principles of fiqh muamalah and identifying gaps between Islamic legal norms and actual market practices. Employing a qualitative descriptive approach, the data were collected through observations, structured interviews with five fruit sellers and five distributors, as well as supporting documentation. The findings indicate that salam transactions are commonly practiced through a pre-order system with full advance payment, accompanied by explicit agreements regarding fruit type, quantity, delivery time, and delivery locationdemonstrating adherence to most core requirements of the salam contract. However, inconsistencies arise in relation to accountability for damaged goods, as distributors generally do not provide compensation for spoiled or non-conforming fruits, leaving sellers to bear the entire risk of loss. This practice contradicts Islamic legal principles, which stipulate that sellers remain responsible for the goods until they reach buyers in the agreed-upon condition. The study concludes that although the salam mechanism helps maintain continuity in the fruit supply chain, it has not fully achieved the principles of fairness, justice, and consumer protection mandated in Islamic law. To ensure alignment with sharia objectives, the study recommends the establishment of written contractual agreements, standardized procedures for quality inspection at delivery, and clear liability regulations to protect transaction parties with weaker bargaining positions. The novelty of this research lies in its empirical examination of salam implementation within the largest traditional fruit market in Aceh Besar through real supply-chain interactions, rather than relying solely on normative legal analysis.
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