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All Journal Nurani: Jurnal Kajian Syariah dan Masyarakat I-Finance Journal Jurnal Intelektualita: Keislaman, Sosial, dan Sains IJBE (Integrated Journal of Business and Economics) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Lumbung Inovasi: Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Asyafina Journal: Jurnal Akademi Pesantren Journal of Business Studies and Management Review IEB: Journal of Islamic Economics and Business
Safitri, Nurfala
The Faculty Of Islamic Economic And Business, UIN Raden Fatah Palembang
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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ASIMETRI INFORMASI DAN KEPUTUSAN KEUANGAN PADA SAHAM SYARIAH: Asimetri Informasi, Profitabilitas, Likuiditas, Kebijakan Dividen, Nilai Perusahaan Safitri, Nurfala; Akbar, Dinnul Alfian; Jayanti, Sri Delasmi
Journal Of Islamic Ekonomic and Business Vol 1 No 1 (2022): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v1i1.11895

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh asimetri informasi, solvabilitas, dan likuiditas terhadap nilai perusahaan dengan kebijakan dividen sebagai varabel intervening pada perusahaan manufaktur yang terindeks di issi periode 2014-2018. Dalam penelitian ini, sampel yang diambil sebanyak 10 perusahaan. Peneliti menggunakan metode penelitian kuantitatif. Teknik pengambilan sampel yang digunakan adalah purposive sampling. Jenis data yang digunakan adalah data sekunder. Teknik analisis data yang digunakan dalam penelitian ini yaitu analisis statistik deskriptif variabel, analisis uji asumsi klasik, regresi linier berganda, dan uji hipotesis dengan program Eviews 9. Hasil penelitian menunjukkan bahwa kebijakan dividen tidak memediasi asimteri informasi terhadap nilai perusahaan, kebijakan dividen tidak memediasi solvabilitas terhadap nilai perusahaan.
EVALUATION OF FIVE FLAGSHIP PROGRAMS OF BAZNAS USING INSTAGRAM SENTIMENT ANALYSIS Nurfala Safitri
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/4gm28q44

Abstract

This study aims to analyze the effectiveness of promotional activities for the flagship programs of the National Amil Zakat Agency (BAZNAS) through Instagram and to evaluate the challenges encountered, such as promotional imbalance and low public trust due to a lack of transparency and consistency in communication. A quantitative text-based approach was employed, utilizing a sample of 135 captions from the BAZNAS Instagram account (@baznasindonesia) collected through web scraping. The analysis techniques included text mining, topic analysis, and promotional effectiveness evaluation based on keyword distribution. The findings revealed a promotional imbalance, with the "Indonesia Peduli" program dominating over others, such as "Indonesia Takwa" and "Indonesia Sehat." Additionally, analysis of BAZNAS’s fundraising reports indicated significant disparities in fund allocation, with the majority concentrated on the "Indonesia Peduli" program. The study concludes that BAZNAS's social media promotions need improvement to ensure a more balanced representation and effective zakat fundraising by enhancing transparency and consistency in communication to restore public trust.
The comparison of islamic and conventional banking in ownership structure and interest rates in Indonesia Hartini, Titin; Lidyah, Rika; Safitri, Nurfala
Integrated Journal of Business and Economics (IJBE) Vol 8, No 1 (2024): Integrated Journal of Business and Economics
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijbe.v8i1.688

Abstract

Ownership structure and interest rates are important factors affecting a bank's performance. Previous studies have found the effect of ownership structure and interest rates on company performance, but no one has specifically examined differences in Banking performance in ownership structure and interest rates. This study aims to compare the performance of Islamic and conventional banking in ownership structure and interest rates. In study, the author used quantitative methods that emphasize the analysis of numerical data processed using Stata 16. Based on the unstructured data panel, there are 13 Islamic banking and 107 conventional banking, the total banks used as objects are 120 banks with 1110 observations.  The results are local ownership did not affect the performance of Islamic banks, compared to conventional banking on the contrary. Foreign ownership in Islamic banking affects Banking performance, while conventional banking has no effect. Furthermore, government ownership affects the performance of Islamic banks, but does not affect the performance of conventional banking. Based on the results of the study, it can be proven that government and foreign interference in the ownership of Islamic banking plays a role in improving the bank's performance. Whereas conventional banking has performed well under local ownership.
Peningkatan Literasi Keuangan Sejak Dini Dengan Metode Storytelling di Sekolah Dasar Depok Utie, Maulida Salmi; Walidain, Birrul; Windiarti, Faris; Tamimi, Yusrina Alyani; Lisnawati, Rika; Safitri, Nurfala; Alyssa, Heidy Puspa
Jurnal Pengabdian Masyarakat: Pemberdayaan, Inovasi dan Perubahan Vol 5, No 1 (2025): JPM: Pemberdayaan, Inovasi dan Perubahan
Publisher : Penerbit Widina, Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/jpm.v5i1.1143

Abstract

Financial Literacy is the knowledge, skills, and beliefs that influence attitudes and behaviors to improve the quality of decision-making and financial management to achieve the financial welfare of the community. Instilling financial literacy at school age will leave a mark on their memories. Financial literacy provided in schools has an impact on adulthood where the child has provisions in understanding financial literacy which will later become provisions to face financial problems. The purpose of the PKM (Community Service) Financial Literacy Program is to provide financial knowledge skills from an early age and shape the character of financially disciplined people when they grow up. This activity was carried out at SDIT At-Taufiq. Using the storytelling method. The results showed that students were very enthusiastic about learning about the meaning of saving, and we provided literacy such as financial discipline, budgeting, needs, and desires.ABSTRAKLiterasi Keuangan adalah pengetahuan, keterampilan, dan keyakinan yang memengaruhi sikap dan perilaku untuk meningkatkan kualitas pengambilan keputusan dan pengelolaan keuangan untuk mencapai kesejahteraan keuangan masyarakat. Penanaman literasi keuangan di usia sekolah akan membekas dalam ingatan individu. Literasi keuangan yang diberikan di sekolah berdampak pada usia dewasa dimana sang anak mempunyai bekal dalam memahami literasi keuangan yang nantinya akan menjadi bekal untuk menghadapi masalah keuangan. Tujuan dari Program PKM (Pengabdian Kepada Masyarakat) adalah membekali keterampilan pengetahuan keuangan sejak dini dan membentuk karakter masyarakat disiplin keuangan ketika dewasa nanti. Program ini dilakukan di SDIT At-Taufiq. Dengan menggunakan metode storytelling. Kegiatan  literasi ini menggunakan presentasi yang hasil kegiatan menunjukkan bahwa para siswa/i sangat antusias mereka mengetahui tentang arti menabung dan kami memberikan literasi seperti disiplin keuangan, penganggaran, kebutuhan, dan keinginan.
Digitalisasi Perencanaan Keuangan Syariah: Pendampingan Aplikasi Pencatatan Keuangan Keluarga untuk Mewujudkan Keluarga Maslahah dengan Metode Participatory Action Learning (PAL) Tamimi, Yusrina Alyani; Ulfa, Muthia; Widoyoko, Bangun; Lisnawati, Rika; Safitri, Nurfala
Lumbung Inovasi: Jurnal Pengabdian kepada Masyarakat Vol. 11 No. 3 (2026): September
Publisher : Lembaga Penelitian dan Pemberdayaan Masyarakat (LITPAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/linov.v11i3.6488

Abstract

Pengelolaan keuangan keluarga yang kurang terstruktur serta rendahnya literasi keuangan syariah berbasis digital merupakan tantangan mendasar yang dihadapi pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) perempuan di Kabupaten Sumedang. Ketidakmampuan memisahkan keuangan rumah tangga dan keuangan usaha seringkali memicu kerentanan ekonomi keluarga. Program pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman dan keterampilan praktis 21 ibu rumah tangga pelaku UMKM di Kabupaten Sumedang dalam menyusun perencanaan keuangan keluarga berbasis prinsip syariah dan memanfaatkan aplikasi pencatatan keuangan digital. Metode pelaksanaan menggunakan Participatory Action Learning (PAL) yang mengintegrasikan edukasi interaktif, simulasi penyusunan anggaran, pendampingan teknis intensif, dan evaluasi berbasis portofolio. Evaluasi keberhasilan diukur melalui kuesioner pre-test dan post-test yang mencakup 30 indikator literasi keuangan syariah dan digital. Hasil pengabdian menunjukkan peningkatan rata-rata skor pemahaman peserta sebesar 15,05%, dari skor awal 3,84 (kategori paham) menjadi 4,42 (kategori sangat paham) pada skala Likert 1–5. Proporsi jawaban pada kategori "Sangat Paham" (Skor 5) meningkat secara deskriptif dari 28,89% menjadi 57,78%, dengan nilai Normalized Gain () sebesar 0,50 yang termasuk dalam kategori sedang menuju tinggi. Temuan ini menunjukkan peningkatan pemahaman awal dan kesiapan peserta untuk menerapkan pencatatan keuangan keluarga berbasis syariah, sebagai langkah awal memperkuat fondasi ketahanan ekonomi keluarga menuju keluarga maslahah yang sejahtera lahir dan batin. Mentorship on Sharia Financial Recording Applications for Strengthening Maslahah Families Through Participatory Action Learning (PAL) Abstract Inadequate household financial management and low digital-based sharia financial literacy represent fundamental challenges faced by female micro-entrepreneurs in Sumedang Regency. The inability to separate household and business finances frequently leads to family economic vulnerability. This community service program aims to enhance the understanding and practical skills of 21 female micro-entrepreneurs in Sumedang Regency in formulating sharia-based family financial plans and utilizing digital financial recording applications. The implementation method employed Participatory Action Learning (PAL), integrating interactive education, budget formulation simulations, intensive technical assistance, and portfolio-based evaluation. Program success was measured using pre-test and post-test questionnaires covering 30 indicators of sharia and digital financial literacy. The results demonstrated a descriptive increase in average knowledge scores of 15.05%, rising from a baseline score of 3.84 (understood) to 4.42 (strongly understood) on a 1–5 Likert scale. The proportion of responses in the "Strongly Understand" category (Score 5) increased from 28.89% to 57.78%, yielding a Normalized Gain () of 0.50, categorized as moderate-to-high effectiveness. These findings indicate an early increase in participants’ understanding and readiness to apply sharia-based family financial recording, thereby strengthening family economic resilience toward holistic maslahah households.
Co-Authors Alyssa, Heidy Puspa Ardani Ardani Chandra Zaki Maulana Dendy Herdianto Dinnul Alfian Akbar Jayanti, Sri Delasmi Khairun Nisa Lisnawati, Rika M Fachry Zaiman MAFTUKHATUSOLIKHAH MAFTUKHATUSOLIKHAH Mareta Fitriyani Maya Panorama Muhammad Abdul Rohman Muhammad Afif Rifqi Muhammad Afif Rifqi Muhammad Habibi Nilawati Nilawati Rika Lidyah Sri Delasmi Jayanti Tamimi, Yusrina Alyani Titin Hartini Ulfa, Muthia Utie, Maulida Salmi Walidain, Birrul Widoyoko, Bangun Windiarti, Faris Wulan Yuliawanty