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All Journal J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Al-Kharaj: Journal of Islamic Economic and Business Edutourism : Journal Of Tourism Reseach Jurnal Investasi Islam Share: Jurnal Ekonomi dan Keuangan Islam AT-TIJARAH: Journal Islamic Banking and Finance Research Reinforce: Journal of Sharia Management Jurnal Ilmiah Mahasiswa Jurnal Masyarakat Berdikari dan Berkarya (MARDIKA) El-Wasathy: Journal of Islamic Studies
Safarida, Nanda
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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The Impact of Mudharabah Sukuk and Foreign Exchange on the Profitability of Islamic Commercial Banks in Indonesia Safarida, Nanda; Muhammad, Alfian; Fahriansah; Sabda, Aulya
Jurnal Investasi Islam Vol 8 No 2 (2023): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v8i2.7746

Abstract

This study aims to determine the effect of Sukuk Mudharabah and Foreign Exchange on the profitability of Islamic commercial banks in Indonesia from 2014 to 2021. The data analysis technique used is panel data regression with the assistance of Econometric Views (Eviews). The results of the study indicate that Sukuk Mudharabah has a negative and insignificant effect on profitability (sig value. 0.413 > 0.05). Foreign exchange has a positive and significant effect on profitability (sig value. 0.024 <0.05). Additionally, sukuk mudharabah and foreign exchange both have a positive and significant effect on the profitability of Islamic Commercial Banks in Indonesia (sig value. 0.00 <0.05). These results demonstrate the impact of foreign exchange on Islamic Commercial Banks in Indonesia.
DIGITAL FINANCIAL LITERACY AMONG RECIPIENTS OF THE FAMILIY HOPE PROGRAM ASSISTANCE FUNDS safarida, nanda; jannah, raudhatul; noviandy
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 1 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

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

Abstract

Penelitian ini bertujuan untuk mengetahui tingkat literasi dan efektifitas penerapan digital finance pada masyarakat penerima manfaat Program Keluarga Harapan (PKH). Metode penelitian yang digunakan dalam penelitian ini adalah dengan pendekatan deskriptif kualitatif. Penelitian ini adalah jenis penelitian lapangan (field research) dengan teknik pengumpulan data dilakukan dengan observasi dan wawancara dengan Kepala Desa Meunasah Teungoh, sembilan orang orang penerima manfaat PKH di Gampong Meunasah Teungoh dan satu orang Pendamping PKH. Hasil penelitian menunjukkan bahwa masyarakat penerima manfaat PKH belum memiliki literasi digital finance yang memadai. Hal tersebut terutama ditunjukkan pada tahap pencairan dana bantuan. Dalam proses pencairan dana PKH yang dilakukan setiap 3 bulan sekali atau 4 kali pencairan dalam setahun, penerima manfaat PKH sama sekali tidak pernah melakukan transaksi melalui mesin ATM dan tidak pernah berhubungan langsung dengan pihak Bank. Ini terjadi karena adanya keringanan untuk dapat diwakilkan kepada pihak lain yang dalam hal ini sering dipercayakan kepada pendamping PKH. Akibatnya penerima dana bantuan PKH sangat bergantung pendamping PKH. Peraturan dan kebijakan pemerintah terhadap penyaluran dana bantuan PKH melalui bank dan keberadaan pendamping PKH merupakan salah satu upaya untuk literasi digital finance kepada masyarakat penerima bantuan PKH. Namun, di lain pihak keringanan yang diberikan melalui pencairan dengan perwakilan kepada pihak lain dan kurangnya sosialisasi penggunaan digital finance berakibat pada tidak efektifnya penerapan digital finance pada masyarakat penerima bantuan sosial PKH di Gampong Meunasah Teungoh.
Earning Management Analysis: The Role of Firm Size, Leverage, Managerial Ownership and Profitability Safarida, Nanda; Lili Irawati; Safwan Kamal
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.vi0.5909

Abstract

Purpose: This study aims to determine the effect of firm size, leverage, managerial ownership, and profitability on earning management in a convenience goods company, PT. Tiga Pilar Sejahtera Food Tbk, wich is listed on the Indonesian stock exchange under the name AISA. Method: Secondary data are collected through the company’s financial statement from 2006 to 2020. The data were collected from the Indonesian Capital Market Directory (ICMD) and the Indonesian stock exchange websites. The quantitative approach was used to analyze the data. Then, the data were regressed by Ordinary Least Square estimation using Eview 12 software. Findings: Results revealed that firm size, managerial ownership, and profitability have no significance influence on earning management. However, leverage partially has a negative and significant effect on the earnings management. Meanwhile, firm size, leverage, managerial ownership, and profitability simultaneously influence earnings management of PT. Tiga Pilar Sejahtera Food Tbk significantly from 2006 to 2020 period. Research limitation: This research only uses some of the determinants of earnings management from many other factors that also have a contribution such as institutional ownership, board of commissioners, auditor reputation, etc. In addition, the use of several research objects in the form of companies engaged in the same business sector is also recommended for further research in order to obtain a more comprehensive and representative view. Practical Implication: This research has implications for the company's management considerations in making decisions to carry out earnings management. This form of intervention is ideal as long as it is carried out in accordance with accounting principles. This must be ensured so that the company's economic picture remains visible and risk management can still be carried out.
The Impact of the Tourism Industry on Local Revenue in Langsa City Muhammad, Alfian; Safarida, Nanda; Murdiah
EDUTOURISM Journal Of Tourism Research Vol. 5 No. 02 (2023): HOSPITALITY AND TOURISM
Publisher : Samarinda State Polytechnic

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53050/ejtr.v5i02.702

Abstract

The tourism sector can increase Regional Original Income, but its contribution has not been fully realized. Therefore, the government needs to play an important role in tourism development. This study aims to determine the tourism sector's contribution to Langsa City's Regional Original Income and the government's efforts related to tourism development. The research method employed a qualitative approach with a descriptive research type. The primary data for this study consisted of interview data, while the secondary data included documentation, tax reports, and Regional Original Income of Langsa City for the period 2018 to 2020. The study revealed that the tourism sector's contribution to the Regional Original Income of Langsa City from 2018 to 2020 was minimal. Specifically, Kota Forest and Mangrove Forest tourism contributed 0.0017%, Mutiara Water Park contributed 0.00004%, Virta Tirta Raya contributed 0.00029%, and Royal Waterboom contributed 0.00029%, resulting in a total contribution of 0.00232%. These figures indicate that the tourism sector's contribution to the city's income is very low. The Langsa City government is making efforts to develop tourism in a way that optimizes Regional Original Income through environmental improvement and structuring, sustainable use of natural resources, support for the local economy, and community involvement in maintaining existing tourist attractions in Langsa City.
THE POWER OF PERSUASION: THE IMPACT OF PRODUCT REVIEWS, AFFILIATE MARKETING, AND LIVE CONTENT ON CONSUMER BEHAVIOR Nadila, Desi; Kurlillah, Anis; Safarida, Nanda
Reinforce: Journal of Sharia Management Vol 3 No 1 (2024)
Publisher : Faculty of Islamic Economic and Business (FEBI), Sayyid Ali Rahmatullah State Islamic University (UIN SATU) Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/reinforce.v3i1.9110

Abstract

This research investigated the persuasive power of product reviews, affiliate marketing, and live content on consumer behavior within the burgeoning TikTok Shop platform. As Indonesia experienced rapid technological and information advancements, TikTok Shop emerged as a prominent digital marketing tool, blurring the lines between entertainment and commerce. This quantitative field study specifically examined the impact of these persuasive elements on impulse buying behavior within the platform. Primary and secondary data were gathered through questionnaires and documentation, targeting 100 TikTok Shop users in Langsa City using a purposive sampling technique. Multiple linear regression analysis revealed a significant and positive combined effect of product reviews, affiliate marketing, and live content on impulse buying within TikTok Shop. The adjusted R-Squared value of 0.740 indicated that these persuasive elements collectively explained 74% of the variance in impulse buying behavior, highlighting their substantial influence on consumer decisions within the platform. While the remaining 26% was attributed to external factors not explored in this study, the research shed light on the persuasive power of TikTok Shop's marketing strategies. This study contributed to understanding how product reviews, affiliate marketing, and live content shaped consumer behavior and the potential implications for impulse buying within the increasingly popular TikTok Shop ecosystem.
Strategi Pengembangan Usaha Jahit di Gampong Meutia Kota Langsa Ditinjau Menurut Ekonomi Islam Fazilla, Fitri; Kamal, Safwan; Safarida, Nanda
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.v6i1.6898

Abstract

This research was conducted with the aim of determining the strategy of sewing business development in Gampong Meutia Langsa City using qualitative methods. The research location in this study is on sewing entrepreneurs in Gampong Meutia, Langsa City. The subjects studied were 6 sewing entrepreneurs and village equipment in Gampong Meutia. Data collection techniques are carried out by observation, interviews and documentation. The technical data analysis used is descriptive analysis by going through the data collection stage through the data reduction stage, presenting data and drawing conclusions. The results of this study show that the sewing business in Gampong Meutia Langsa City is run by the business owner himself, where the business owner is fully responsible for management. The management of the sewing business in Gampong Meutia is quite good and the development of the sewing business in Gampong Meutia has developed quite well compared to neighboring villages, although there are still obstacles in several fields. The obstacles faced by sewing entrepreneurs in Gampong Meutia Langsa City are obstacles in capital, namely the difficulty of obtaining additional capital, obstacles in labor, namely the owner difficulty in obtaining labor, lack in the number of workers and lack of discipline of employees and obstacles in the use of machines. The business development strategy is to ask for additional capital and the government seeks this assistance and facilitates the community so that they succeed in getting the assistance through MSME assistance by making proposals, where the proposals are made as well and attractive as possible. And promote their efforts using social media. However, in terms of getting additional capital, these entrepreneurs still use conventional banks that apply credit interest rates. While the kerdit flower in Islam is included in riba which is prohibited by the Shari'a.
Menilik Determinasi Profitabilitas Bank Umum Syariah Safarida, Nanda; Maulida, Lia; Astina, Chahayu; Maulana, Jefri
El-Wasathy: Journal of Islamic Studies Vol 2 No 1 (2024): El-Wasathy: Journal of Islamic Studies
Publisher : Lembaga Swadaya Masyarakat Asosiasi Masyarakat Madani Indonesia (AMMI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61693/elwasathy.vol21.2024.58-73

Abstract

Penelitian ini bertujuan untuk meninjau determinasi Profitabilitas pada Bank Umum Syariah pada periode 2018-2022 yang direpresentasikan oleh faktor Piutang, Capital Adequate Ratio, dan Net Operating Margin. Unit analisis dalam penelitian ini adalah Bank Umum Syariah periode 2018-2022. Teknik pengambilan sampel yang digunakan adalah teknik dokumentasi berupa data tertulis dari institusi, dan diperoleh 60 sampel data dari Bank Umum Syariah. Teknik analisis data yang digunakan dalam penelitian ini adalah dengan menggunakan Analisis Regresi Linier Berganda Data Time Series dan Uji Asumsi Klasik dengan bantuan program Eviews 7. Hasil penelitian menunjukkan bahwa secara parsial (Uji T) variabel piutang tidak berpengaruh signifikan sedangkan Capital Adequate Ratio, dan Net Operating Margin berpengaruh positif signifikan terhadap Profitabilitas. Secara simultan (Uji F) variabel Piutang, Capital Adequate Ratio, dan Net Operating Margin secara bersama-sama berpengaruh terhadap Profitabilitas Bank Umum Syariah. Nilai adjust R2 sebesar 0,889 menunjukkan bahwa variabel independen yang digunakan dalam penelitian ini telah menjelaskan variasi variabel Profitabilitas Bank Umum Syariah sebesar 88,9%, sedangkan sisanya sebesar 11,1% dijelaskan oleh variabel lain di luar model regresi.
Maximizing Local Own-Source Revenue: Tax Strategies from an Islamic Public Finance Perspective Safarida, Nanda; Hisan, Khairatun; Lazira, Widya Asriani
Share: Jurnal Ekonomi dan Keuangan Islam Vol 13, No 2 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i2.21203

Abstract

This study investigates the contribution of hotel and restaurant taxes to the enhancement of Local Own-Source Revenue (PAD) in Langsa City, Aceh, Indonesia, while evaluating the government strategies to optimize tax contributions in alignment with Islamic public finance principles. Employing a qualitative approach, primary data were gathered through interviews with hotel and restaurant owners and government officials at BPKD Langsa, complemented by content analysis of both primary and secondary data. Findings reveal that from 2016 to 2022, the contribution of these taxes to PAD remains minimal, constituting only 3% of the total revenue. Key challenges include taxpayers reluctance to pay due to a lack of transparency in financial management. The Langsa City government addresses these issues through continuous promotion, imposing fines, and enhancing oversight. These efforts align with Islamic economic principles, as they are not burdensome to taxpayers and aim to fulfill societal needs. Additionally, the government is advancing transparency in tax collection via the QRIS payment system. The study recommends that stakeholders enhance supervision and functions to optimize the PAD of Langsa City. This research provides valuable insights into the intersection of local tax policy and Islamic economic principles, offering implications for similar contexts in other regions.========================================================================================================ABSTRAK – Maksimalisasi Pendapatan Asli Daerah: Strategi Pajak dalam Perspektif Keuangan Publik Islam. Penelitian ini bertujuan untuk menganalisis kontribusi pajak hotel dan restoran terhadap peningkatan Pendapatan Asli Daerah (PAD) di Kota Langsa, Aceh, Indonesia, dan upaya yang dilakukan dalam memaksimalkan pajak hotel dan restoran, serta kesesuaiannya dengan teori keuangan publik Islam. Penelitian ini menggunakan pendekatan kualitatif dengan data primer yang diperoleh melalui wawancara dengan berbagai sumber dan informan. Hasil penelitian menunjukkan bahwa kontribusi pajak hotel dan restoran terhadap PAD Kota Langsa selama tujuh tahun terakhir (2016-2022) masih sangat rendah, yaitu di bawah 3% dari total PAD. Kendala utama yang dihadapi Pemerintah Kota Langsa adalah kurangnya kesadaran wajib pajak pemilik hotel dan restoran untuk membayar pajak, yang disebabkan oleh kurangnya transparansi dalam pengelolaan keuangan. Untuk mengatasi hal ini, pemerintah Kota Langsa telah melakukan berbagai upaya, seperti promosi berkelanjutan melalui baliho, penerapan denda dan sanksi, serta memperketat fungsi pengawasan. Upaya ini sejalan dengan teori ekonomi Islam, terutama dalam konsep keuangan publik Islam, karena tidak memberatkan wajib pajak dan pajak dimanfaatkan sebesar-besarnya untuk memenuhi kebutuhan masyarakat umum. Selain itu, pemerintah juga berupaya mendorong transparansi dalam proses pemungutan pajak melalui aplikasi QRIS. Penelitian ini memberikan rekomendasi tentang keselarasan antara kebijakan pajak lokal dengan prinsip ekonomi Islam dan pengaplikasiannya untuk konteks serupa di wilayah lain.
Financial Inclusion Through E-Wallets: A Besitang Case Study On Promotions, Brand Image And Purchase Behavior Kurlillah, Anis; Munadiati, Munadiati; Safarida, Nanda; Maulana, Zefri; Hafiza, Aulia
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol, 9 No 2 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i2.9897

Abstract

This study explores how e-wallets promote financial inclusion in Besitang, a non-metropolitan Indonesian city. We investigate the influence of features, promotions, and brand image on e-wallet purchasing decisions. A quantitative survey targeting 100 smartphone-owning workers and students was conducted. Analysis revealed that all three factors (features, promotions, and brand image) have a significant positive impact on e-wallet usage (p < 0.05). Together, they explain 80.7% of the variation in purchasing decisions, highlighting their crucial role in e-wallet adoption. These findings emphasize the importance of e-wallet providers implementing innovative features, attractive promotions, and a strong brand image to drive financial inclusion in non-metropolitan areas. The study offers valuable insights for e-wallet companies and opens avenues for further research on e-wallet adoption drivers.
OPTIMASI PENYULINGAN AIR BERSIH: SOLUSI EKONOMI BERKELANJUTAN UNTUK KESEJAHTERAAN MASYARAKAT DI DESA MEURANDEH DAYAH KOTA LANGSA Alfian; Armi, Radhiyullah; Saputra, Ryanda; Safarida, Nanda; Fahira, Annisa; Adrilla Nazara, Teungku; Pranala, Yoki; Rivaldy
Jurnal Masyarakat Berdikari dan Berkarya (Mardika) Vol 3 No 1 (2025): Jurnal Masyarakat Berdikari dan Berkarya (MARDIKA)
Publisher : Fakultas Teknik, Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55377/mardika.v3i1.12136

Abstract

Akses terhadap air bersih terus menjadi tantangan besar di Gampong Meurandeh Dayah, Kota Langsa, di mana sumber air tanah menunjukkan kadar besi (Fe) dan mangan (Mn) yang tinggi. Kontaminan ini menurunkan kualitas air, menjadikannya tidak layak untuk dikonsumsi maupun digunakan untuk keperluan rumah tangga, serta menimbulkan risiko kesehatan bagi masyarakat setempat. Penelitian ini bertujuan untuk menciptakan sistem filtrasi air yang hemat biaya, efisien, dan berkelanjutan sesuai dengan Tujuan Pembangunan Berkelanjutan (SDGs), khususnya Tujuan 6 (Air Bersih dan Sanitasi) serta Tujuan 11 (Kota dan Permukiman Berkelanjutan). Perangkat filtrasi satu tahap dikembangkan menggunakan pipa PVC berdiameter 4 inci dengan media penyaring berlapis yang terdiri dari kerikil, pasir silika, mangan zeolit, dan karbon aktif granular. Metode ini dirancang untuk meningkatkan proses pemurnian air dengan menargetkan kontaminan tertentu serta meningkatkan kualitas air secara keseluruhan. Penyusunan lapisan filtrasi yang terorganisir memungkinkan penghilangan Fe dan Mn secara bertahap, sehingga menghasilkan air yang lebih jernih dan aman untuk konsumsi sehari-hari. Metode ini sejalan dengan SDG 9 (Industri, Inovasi, dan Infrastruktur) dengan mendorong penggunaan bahan yang mudah didapat serta teknik rekayasa sederhana untuk meningkatkan efektivitas pengolahan air. Desain modularnya memungkinkan sistem ini diperluas dengan mudah, sehingga dapat diterapkan di daerah lain yang menghadapi tantangan kualitas air serupa. Hasil eksperimen menunjukkan bahwa sistem filtrasi yang diterapkan secara signifikan mengurangi konsentrasi Fe dan Mn hingga mencapai tingkat yang dapat diterima, meningkatkan keamanan dan kelayakan air untuk digunakan. Penggunaan mangan zeolit dan karbon aktif secara signifikan meningkatkan proses adsorpsi, mengurangi bau, serta menghilangkan kontaminan lainnya. Dengan menerapkan sistem filtrasi ini, Gampong Meurandeh Dayah dapat mengurangi ketergantungan pada metode pengolahan air yang mahal sekaligus meningkatkan kesehatan dan kesejahteraan masyarakat. Kepatuhan proyek ini terhadap SDG 15 (Ekosistem Daratan) menegaskan perannya dalam keberlanjutan lingkungan dengan mendorong pemanfaatan sumber daya yang bertanggung jawab serta mengurangi pencemaran air tanah. Studi ini menyoroti potensi teknologi filtrasi yang ekonomis dan fleksibel dalam meningkatkan pengelolaan air berkelanjutan serta mendukung kesejahteraan masyarakat di Kota Langsa.
Co-Authors Adrilla Nazara, Teungku Alfian Ananda Fitriani, Widya Astina, Chahayu Fahira, Annisa Fahriansah Fahriansah, Fahriansah Fazilla, Fitri Hafiza, Aulia Hisan, Khairatun Kamal, Safwan Kurlillah, Anis Lazira, Widya Asriani Lili Irawati Maulana, Jefri Maulida, Lia Midesia, Shelly Muhammad, Alfian Munadiati, Munadiati Nadila, Desi noviandy Nurwijayanti Pranala, Yoki Radhiyullah Armi Raudhatul Jannah Rivaldy Ryanda Saputra, Ryanda Sabda, Aulya Safwan Kamal Zefri Maulana, Zefri