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All Journal Jurnal Obsesi: Jurnal Pendidikan Anak Usia Dini International Journal of Social Science and Business Annals of Management and Organization Research JURNAL ILMIAH GLOBAL EDUCATION International Journal of Social Science, Education, Communication and Economics Jurnal Ekonomi Utama (Juria) Jurnal Peradaban Masyarakat (JPM) Journal of the Community Development in Asia Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Ilmiah Ekonomi, Manajemen dan Syariah Innovative: Journal Of Social Science Research NUMBERS: Jurnal Pendidikan Matematika dan Ilmu Pengetahuan Alam International Journal of Sharia Business Management Jurnal Inovasi Pengabdian Masyarakat Transforma: Jurnal Manajemen COSMOS Journal of Visionary Sharia Economy (JOVISHE) Dirya : Journal of Economic Management
Al-Amin, Al-Amin
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Religion Arts Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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Analisis Kesejahteraan Finansial Guru PAUD dalam Mendukung Transisi Pendidikan Anak Usia Dini: Studi pada Lembaga PAUD di Binjai Barat Bantali, Ampun; Gunawan, Hadi; Ritonga, Sakti; Sari, Yunita; Al-Amin, Al-Amin
Jurnal Obsesi : Jurnal Pendidikan Anak Usia Dini Vol. 9 No. 6 (2025): In Progress
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/obsesi.v9i6.7304

Abstract

Penelitian ini bertujuan mendeskripsikan pengalaman guru PAUD dalam menghadapi tantangan kesejahteraan finansial serta dampaknya terhadap dukungan mereka dalam proses transisi pendidikan anak usia dini. Menggunakan pendekatan kualitatif dengan desain studi kasus, data diperoleh melalui wawancara mendalam, observasi partisipatif, dan dokumentasi di tiga lembaga PAUD wilayah Binjai Barat, wilayah non-metropolitan yang masih jarang dieksplorasi dalam studi serupa. Hasil menunjukkan bahwa ketidakstabilan finansial, seperti honorarium tidak tetap dan minimnya tunjangan, menimbulkan tekanan psikologis, menurunkan kepuasan hidup, dan memengaruhi kualitas interaksi dengan anak. Namun demikian, guru tetap menunjukkan motivasi intrinsik yang tinggi. Temuan ini dianalisis menggunakan Subjective Well-Being Theory, Stress and Coping Theory, dan Self-Determination Theory. Penelitian ini menawarkan kontribusi baru dengan menyoroti dinamika kesejahteraan guru PAUD dalam konteks lokal yang belum banyak diteliti, serta merekomendasikan kebijakan afirmatif untuk meningkatkan kesejahteraan finansial guna mendukung transisi pendidikan anak usia dini secara optimal.
FAKTOR-FAKTOR PENENTU KEBERHASILAN BADAN USAHA MILIK DESA DALAM PERSPEKTIF EKONOMI LOKAL Rosidah, Dewi; Judijanto, Loso; R Pugu, Melyana; Al-Amin, Al-Amin
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 1 No 3 (2024): April-May
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/cosmos.v1i3.142

Abstract

Village-Owned Enterprises, often abbreviated as BUMDes, are a manifestation of a business owned and operated by a village. It was established to encourage the village economy. The main problem that is often encountered is that BUMDes are difficult to develop and do not have a real impact on the local village community. The purpose of this study is to provide detailed insights into the significant factors in supporting the success of BUMDes. This research was carried out with a literature study model whose data was taken from scientific articles contained in the google schoolar database starting from 2023-2024. Data analysis was carried out using the Miles and Huberman technique. From the results of the study, it is concluded that BUMDes will be successful if they adopt strategies such as human resource training, technology utilization, and product innovation. Diversification and partnerships can improve performance. Effective marketing management and accurate finances are vital. Full support from the village government is urgently needed.
MENILAI DAMPAK SOSIAL-EKONOMI DARI PERJUDIAN ONLINE MELALUI LENSA EKONOMI SYARIAH: ANALISIS MENDALAM Judijanto, Loso; Indarsih, Fajar; Natsir, Imron; Al-Amin, Al-Amin
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 1 No 3 (2024): April-May
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/cosmos.v1i3.146

Abstract

This research analyzes the socio-economic impact of online gambling using sharia economic principles. This study was conducted through an in-depth literature review. Various relevant sources and publications were examined. This includes journals, books, and articles from experts in Islamic economics. The results of this study reveal that online gambling is in contradiction with the basic values of sharia economics which emphasize justice and mutual prosperity. Its presence triggers economic imbalance and causes widespread social losses. In accordance with sharia economics, economic transactions should have added value and real benefits for the entire community. Based on literature analysis, this research offers insight into the need for sharia-oriented responses and policies. The aim is to overcome the challenges brought by online gambling. Emphasis is placed on understanding and implementing the values of sharia justice. This is not only important for strengthening the economic structure but also for increasing social harmony. This study proves the urgency of action based on sharia economic principles. This is to answer and overcome the negative effects of online gambling.
OPTIMALISASI RETURN ON ASSET (ROA) DAN RETURN ON EQUITY (ROE) UNTUK MENINGKATKAN DAYA SAING PERBANKAN DI BURSA SAHAM Nugroho, Wijil; Silaen, Montaris; Parhusip, Arisman; Al-Amin, Al-Amin
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 1 No 4 (2024): Juni - Juli
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/cosmos.v1i4.153

Abstract

In the competitive stock market dynamics, banks are always looking for strategies to improve their advantages. This study aims to investigate the importance of Return on Asset (ROA) and Return on Equity (ROE) in increasing banking competitiveness on the stock exchange. Using the literature review method, this study collects and reviews various relevant literature to identify and analyze the relationship between ROA, ROE and bank stock performance. The results of this study show that ROA and ROE have direct implications on how investors value banks. Banks that demonstrate high operational efficiency and good capital management capabilities often score higher in the eyes of investors. This is because good ROA and ROE reflect effective asset and capital management, which is critical to long-term profit sustainability. A high ROA indicates that the bank is able to maximize the return on its assets, while a high ROE indicates the bank's ability to generate value for shareholders from the funds they invest. This research reinforces the understanding that ROA and ROE optimization is not only about increasing profits, but also about building and maintaining investor trust and market reputation. Thus, banks should prioritize effective management of their assets and capital as part of their strategy to increase competitiveness in the stock market. This conclusion encourages the banking sector to focus more on financial-strategies that can increase ROA and ROE values in order to strengthen their position in this highly competitive stock market.
ANALISIS FINTECH LENDING SEBAGAI ALTERNATIF SUMBER PENDANAAN UNTUK MENGOPTIMALKAN PEMASUKAN BISNIS KECIL (UMKM) Utama, Ahmad Nur Budi; Husain, Anggriani; Piola, Marina Paramitha Sari; Al-Amin, Al-Amin
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 1 No 5 (2024): Agustus
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/cosmos.v1i5.169

Abstract

Indonesia has experienced rapid economic growth, especially in the SME (Small and Medium Enterprises) sector. However, this growth is often hampered by limited access to capital and financing. As a solution, Fintech Lending has emerged as an innovative alternative source of funding. This study aims to analyze the role of Fintech Lending in supporting the optimization of income for small businesses in Indonesia. The method used is qualitative analysis with a literature study approach, involving data collection from various reliable and relevant sources. Research findings indicate that Fintech Lending provides ease of access to funding with a faster process and more flexible requirements compared to traditional financial institutions. This allows small business owners to expand operations, innovate, and ultimately optimize their business income. In addition, the transparency and fair credit assessment mechanisms of Fintech Lending help to build trust among small business players. Nonetheless, regulatory challenges and credit risks need to be considered to ensure the sustainability of this funding model. This research provides insights for stakeholders about the importance of integrating financial innovation and adequate regulatory support to advance the SME sector in Indonesia.
Peran Artificial Intelligence (AI) dalam Manajemen Arsip dan Dokumen Yulianto, Erwin; Murdianto, Teguh; Al-Amin, Al-Amin
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 1 No 6 (2024): Oktober
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/cosmos.v1i5.172

Abstract

This study examines the role of Artificial Intelligence (AI) in records and document management through an in-depth literature review. It was found that AI has significant potential to enhance the efficiency and accuracy of archival data management. With AI's ability to automate indexing, classification, and data processing processes, researchers noted a considerable reduction in human errors. Additionally, AI plays a crucial role in the security and accessibility of documents by providing robust data encryption and stringent access filtering. This technology also simplifies document searches, enabling users to find information quickly and efficiently. In conclusion, integrating AI into records and document management brings significant technical and operational benefits. This literature review underscores that AI can improve the performance and reliability of information management systems. With these capabilities, AI is expected to pave the way for more effective, efficient, and secure archival management. The study provides insights that AI is not just an advanced solution but also a critical tool for the future of records and document management in various organizations.
Peran PERAN APLIKASI TEKNOLOGI DALAM MENYEIMBANGKAN PERMINTAAN DAN PENAWARAN: SINTESIS STUDI LITERATUR TERKINIAplikasi Teknologi dalam Menyeimbangkan Permintaan dan Penawaran: Sintesis Studi Literatur Terkini Nugraha, Rahmat Taufik; Saeppani, Asep; Guntara, Agun; Al-Amin, Al-Amin
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 1 No 5 (2024): Agustus
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/cosmos.v1i5.173

Abstract

This research explores the role of technology applications in balancing supply and demand in the global market through a synthesis of recent literature studies. Information and Communication Technology (ICT) such as e-commerce, big data analytics, and other digital platforms have shown significant roles in enhancing market efficiency. E-commerce facilitates consumers in obtaining products quickly and enables sellers to reach broader markets, reducing geographical barriers. Big data and AI technologies assist in demand prediction and inventory management, while IoT and blockchain improve transparency and efficiency in the supply chain. Although these technology applications offer numerous benefits, challenges such as significant investments, the need for specialized skills, and issues of data security and privacy remain substantial barriers. This research concludes that the appropriate application of technology can support the balance of supply and demand, improve market efficiency, and contribute to sustainable economic growth. Continuous evaluation and the development of adequate technological infrastructure are necessary to fully leverage the potential of technology in the modern economy.
STRATEGI MANAJEMEN RISIKO KREDIT UNTUK STABILITAS KEUANGAN DI SEKTOR PERBANKAN Alfiana, Alfiana; Judijonto, Loso; Al-Amin, Al-Amin
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 1 No 5 (2024): Agustus
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/cosmos.v1i5.174

Abstract

This study aims to analyze effective credit risk management strategies in improving financial stability in the banking sector through the literature study method. Various relevant literatures were analyzed to identify key strategies in credit risk management. The main findings of this study indicate that the implementation of a strict and continuous credit supervision system, including periodic evaluation and the use of analytical technology for early risk detection, is essential. Credit portfolio diversification was identified as an effective method to reduce concentration risk and prevent large losses in one sector or region. In addition, data-driven credit assessment processes and advanced risk models are crucial to improving credit quality. The research also emphasized the importance of adequate reserves and provisions as a buffer against potential losses. In addition, human resource development through regular training was identified as an important aspect in strengthening risk management capabilities. The study also underscores the importance of compliance with international banking regulations such as Basel III in maintaining financial stability. Overall, the study concludes that implementing a comprehensive credit risk management strategy can significantly create a more resilient and stable banking system amidst global economic fluctuations
STRATEGI OMNICHANNEL DALAM PEMASARAN: DAMPAKNYA TERHADAP PEMASUKAN DAN KEBERLANJUTAN USAHA Rolando, Benediktus; Simanjuntak, Enty Evasari; Dewi, Komala; Al-Amin, Al-Amin
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 1 No 5 (2024): Agustus
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/cosmos.v1i5.175

Abstract

This research investigates omnichannel strategies in marketing and their effects on increasing revenue and business sustainability. By reviewing relevant literature and case studies, this research identifies that the omnichannel approach, which integrates online and offline marketing channels to create a seamless customer experience, has a significant contribution to improving the financial performance and long-term sustainability of businesses. The findings show that an omnichannel strategy helps companies understand customer behavior more deeply, personalize offers, and increase customer satisfaction and loyalty. In addition, effective adaptation of information technology in support of omnichannel is proven to improve operational efficiency and strengthen the business's competitive position in the market. Thus, the implementation of an omnichannel strategy not only restructures the way companies interact with customers, but also plays an important role in strengthening the foundation of the business for future growth and sustainability. This research provides insights for business stakeholders on the importance of adopting and continuously updating omnichannel strategies to improve business performance and competitiveness.
Implementasi Teknologi Artificial Intelligence dan Machine Learning dalam Praktik Akuntansi dan Audit: Sebuah Revolusi atau Evolusi Judijanto, Loso; Al-Amin, Al-Amin; Nurhakim, Lukman
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 1 No 6 (2024): Oktober
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research explores the implementation of Artificial Intelligence (AI) and Machine Learning (ML) technologies in accounting and auditing practices, focusing on whether it is a revolution or an evolution. With increasing data complexity and the need for faster analysis, AI and ML offer innovative solutions. These technologies can improve efficiency by speeding up the audit process, reducing human error, and detecting fraud more effectively. Literature and case studies show that the adoption of AI and ML in accounting has brought significant changes in the methodology and outcomes of audit work. While some see it as a revolutionary leap, others consider this development as a natural evolution of information technology in accounting. This research concludes that regardless of the viewpoint taken, AI and ML have and will continue to contribute to fundamental changes in the way accountants and auditors work, driving new standards in the accuracy, efficiency, and reliability of accounting and auditing work. The findings recommend the importance of investing in human resource training to maximize the benefits of these technologies.
Co-Authors Alfiana Alfiana Alfiona, Fifa Ali, Md. Hazrat Aminudin S, Muh. Dzihab Amsah Hendri Doni Andespa, Wira Andriawan, Andriawan Ansyori, Ahmad Asbullah, Muhammad Bachtiar Arif, Bachtiar Bantali, Ampun Barus, Imelda Benediktus Rolando Darsinah Darsinah Dewi, Komala Dolon, Md. Mohibul Alam Doni , Saputra Effendy, Yolanda El Hasan, Sawqi Saad Erwin Yulianto Faried Effendy Guntara, Agun Guntur Arie Wibowo, Guntur Arie Hadi Gunawan, Hadi Haerudin Haerudin Hajar Mukaromah Hawari, Rayzul Husain, Anggriani Iiz Izmuddin Iksal, Iksal Imron Natsir, Imron Indarsih, Fajar Irianto, Sugeng Irnayenti, Irnayenti Islam, Md. Monirul Izwan, Saiful Judijanto, Loso Judijonto, Loso Kee, Daisy Mui Hung Kemala, Ratu Kumar, Sumit Kusnadi, Iwan Lubis, Eka Feby Ronauli LUKMAN NURHAKIM, LUKMAN Mahadewi, Erlina Puspitaloka Melyana R. Pugu Mudzakir Mudzakir Muhammad Agus Muljanto Muhammad Imran Muhammad Yasir Nasution, Muhammad Yasir Munawaroh, Enok Muniandy, Alvesterlee M Murdianto, Teguh Nadi, Nusrat Afrin Ni Luh Yulyana Dewi Nugraha, Rahmat Taufik Nugroho, Wijil Nurhasanah Nurhasanah PARHUSIP, ARISMAN Paturochman, Iwan Ridwan Piola, Marina Paramitha Sari Putra, Hanif Ramadhan Fahmi Putri, Dhelittya Finaliyani Rahma Dilla Zainuri Rahmat Rahmat Rawati, Mesis Rita Hayati Rohman, Ahmad Fadlu Romadhoni, Moh. Gufron Rosidah, Dewi Saeppani, Asep Sakti Ritonga Sasmita, Mitra Silaen, Montaris Simanjuntak, Enty Evasari Singh, Shagun Surajiyo Surajiyo Syahputra, Hendri Syaifullah MS Tanha, Moutusi Tanjung, Rosdiana Imroati Kurnia Teguh Wibowo Triolita, Nina Trisnawati Trisnawati Tubagus, Munir Utama, Ahmad Nur Budi Wafrotur Rohmah Widijatmoko, Engelbertus Kukuh Widyasari, Erna Yadi Suryadi Yunita Sari ZUWARDI, ZUWARDI