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All Journal J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Al-Kharaj: Journal of Islamic Economic and Business Perdikan: Journal of Community Engagement 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 Seuraya Jurnal Pengabdian Kepada Masyarakat
Safarida, Nanda
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Religion Arts Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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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.
The Influence of Foreign Trade, Consumption, and Inflation on Economic Growth in 5 ASEAN Countries Ananda Fitriani, Widya; Astina, Chahayu; Safarida, Nanda
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i3.7631

Abstract

This study analyzes the impact of foreign trade, consumption, and inflation on economic growth in five ASEAN countries (Indonesia, Malaysia, Singapore, the Philippines, and Thailand) during the period of 2017-2021. The research utilizes secondary data in the form of panel data. The panel data regression method is applied to assess the relationship between independent and dependent variables. The result indicate that exports significantly positively affect economic growth, while imports and consumtion do not have a significant impact. Inflation also shows a significant positive effect. These finding highlight the importance of foreign trade and inflation in influencing economic growth in the ASEAN region.  
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.
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.
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.
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.
Buy Now, Think Later: Impulsive Buying Behavior among Generation Z in Indonesia Fahriansah, Fahriansah; Safarida, Nanda; Midesia, Shelly
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 12 No. 2 (2023)
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.v12i2.17453

Abstract

This study examined how utilitarian value, hedonic value, word-of-mouth communication, and celebrity endorsements influence impulsive buying among Generation Z consumers in Aceh, Indonesia, directly and indirectly through shopping lifestyle. A quantitative approach was employed, with 399 respondents aged 15–24 surveyed via cluster sampling in major Aceh cities. Data was collected through questionnaires and analyzed using path analysis and PLS-SEM. Results revealed hedonic value, word-of-mouth, and endorsements significantly predicted shopping lifestyles, unlike utilitarian value. Additionally, utilitarian and hedonic value, endorsements, and shopping lifestyle directly influenced impulsive buying, but not word-of-mouth. An indirect effect on impulsive buying through shopping lifestyle was found for hedonic value, word-of-mouth, and endorsements, excluding utilitarian value. These findings suggest producers and marketers should strategically leverage value perceptions, communication channels, and influencer marketing to target Generation Z. Consumers must also exercise prudent spending habits to avoid financial issues or abnormal psychology. Overall, the study provides empirical insight for all stakeholders into the drivers of impulsive consumer behavior during the pandemic.==============================================================================================================ABSTRAK - Beli Sekarang, Pikir Nanti: Perilaku Pembelian Impulsif Generasi Z di Indonesia. Penelitian ini bertujuan untuk menguji pengaruh nilai utilitarian, nilai hedonis, komunikasi dari mulut ke mulut, dan endorsemen selebriti terhadap pembelian impulsif di kalangan Generasi Z di Aceh, Indonesia, baik secara langsung maupun tidak langsung melalui gaya berbelanja. Kajian ini menggunakan pendekatan kuantitatif dimana pengumpulan data dilakukan melalui survei terhadap 399 responden yang berusia 15-24 tahun di kota-kota utama di Aceh, yang dipilih dengan teknik cluster sampling. Hasil analisis jalur dan SEM-PLS menunjukkan bahwa selain nilai utilitarian, semua variabel seperti nilai hedonis, komunikasi dari mulut ke mulut, dan endorsemen mempengaruhi gaya berbelanja secara signifikan. Selain itu, variabel nilai utilitarian dan hedonis, endorsemen, dan gaya hidup berbelanja berpengaruh secara langsung terhadap pembelian impulsif, kecuali variabel komunikasi dari mulut ke mulut. Selanjutnya, terdapat pengaruh tidak langsung terhadap pembelian impulsif melalui gaya berbelanja terutama untuk variabel nilai hedonis, komunikasi dari mulut ke mulut, dan endorsemen; hanya variabel nilai utilitarian yang tidak menunjukkan adanya pengaruh. Temuan ini dapat menjadi acuan bagi produsen dan seller untuk secara strategis memanfaatkan persepsi nilai, saluran komunikasi, dan pemasaran influencer jika ingin menargetkan Generasi Z. Untuk konsumen sendiri, hasil ini menjadi reflektor terhadap kebiasaan belanja yang kurang bijaksana agar terhindar dari masalah keuangan atau psikologis. Secara umum, hasil kajian ini memberikan fakta empiris tentang pendorong perilaku pembelian impulsif yang didapat dijadikan acuan bagi seluruh pemangku kepentingan.
Leveraging local assets: Empowering Langsa’s community through mushroom cultivation on palm oil waste Sari, Juli Dwina Puspita; Chalil, Rifyal Dahlawy; Safarida, Nanda; Midesia, Shelly
PERDIKAN (Journal of Community Engagement) Vol. 7 No. 2 (2025)
Publisher : IAIN Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/pjce.v7i2.21563

Abstract

Langsa City, a significant palm oil producer in Aceh Province, generates approximately 724,185 tons of waste annually, with empty fruit bunches (EFB) being the primary type of waste. This significant amount of by-side product coexists with a persistent regional poverty rate (10.23%), creating a critical challenge but also a unique opportunity. This article addresses the issue of unexploited economic potential and unemployment by examining the potential of EFB waste as a valuable resource for community empowerment. The initiative applied the Asset-Based Community Development (ABCD) model through a community service program titled “The Langsa Local Community Mushroom Project.” The method involved three key stages: 1) an initial survey to assess community needs, 2) stakeholder socialization to build commitment, and 3) a comprehensive workshop for 40 participants. The workshop provided theoretical and practical training in cultivating mushrooms using EFB as the primary growth medium, utilizing a local waste asset directly. The program yielded significant outcomes. Pre- and post-test assessments revealed a dramatic 37-point increase in participant knowledge, with average scores rising from 45% to 82%. This research demonstrated a successful transfer of skills. Furthermore, the project yielded tangible results, including a functioning community mushroom cultivation site, and fostered a clear behavioral change. Hence, the initiative confirms that the ABCD model is highly effective in transforming a local waste problem into an economic opportunity.[Kota Langsa, sebagai penghasil kelapa sawit utama di Provinsi Aceh, menghasilkan limbah sekitar 724.185 ton per tahun, dengan Tandan Kosong Kelapa Sawit (TKKS) sebagai limbah utama. Kelimpahan produk sampingan ini beriringan dengan tingginya angka kemiskinan daerah (10,23%), yang menciptakan tantangan kritis sekaligus peluang unik. Artikel ini membahas masalah potensi ekonomi yang belum dimanfaatkan dan pengangguran dengan mengeksplorasi penggunaan alternatif limbah TKKS menjadi sumber daya berharga untuk pemberdayaan masyarakat. Inisiatif ini menerapkan model Asset-Based Community Development (ABCD) melalui program pengabdian masyarakat berjudul “Projek Jamur untuk Komunitas Lokal Langsa.” Metode yang dilakukan melibatkan tiga tahap utama: 1) survei awal untuk menilai kebutuhan masyarakat, 2) sosialisasi kepada pemangku kepentingan untuk membangun komitmen, dan 3) workshop komprehensif bagi 40 peserta. Workshop ini memberikan pelatihan teoritis dan praktik mengenai budi daya jamur dengan menggunakan TKKS sebagai media tumbuh utama, yang secara langsung memanfaatkan aset limbah lokal. Program ini menghasilkan luaran yang signifikan. Hasil pre-test dan post-test menunjukkan peningkatan pengetahuan peserta yang signifikan sebesar 37 poin, dengan nilai rata-rata yang naik dari 45% menjadi 82%. Hal ini menunjukkan keberhasilan diadopsinya keterampilan yang baru. Lebih lanjut, proyek ini menghasilkan luaran berupa lokasi budi daya jamur komunitas yang berfungsi dan mendorong perubahan perilaku yang nyata. Dengan demikian, program ini menegaskan bahwa model ABCD sangat efektif dalam mengubah masalah limbah lokal menjadi peluang ekonomi.]
Sustainable Livelihoods through Natural and Environmental Resource Empowerment: A Case Study of Afdeling II Bukit Village, Birem Bayeun, East Aceh, Indonesia Muhammad, Alfian; Amin, Muhammad; Kamal, Safwan; Mustafa, Fakhrizal; Kurlillah, Anis; Safarida, Nanda; Midesia, Shelly; Maulana, Iksal; Al Qadri, Danang; Mahirah, Fathia; Zulkarnaini, Fadilla; Suciarni, Nur; Yahya, Faisal
SEURAYA Jurnal Pengabdian Kepada Masyarakat Vol 3 No 2 (2025): SEURAYA Jurnal Pengabdian kepada Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/seuraya.v3i2.13027

Abstract

This community service program was conducted in Afdeling II Bukit Village, Birem Bayeun District, East Aceh Regency, aiming to empower the community through the Asset-Based Community Development (ABCD) approach. The main issue identified was the underutilization of natural and environmental resources as productive economic assets. The activities were carried out through several stages, including local asset mapping, training on processing palm fronds into value-added products, training on utilizing family medicinal plants into herbal drinks, Focus Group Discussions (FGDs), and continuous mentoring. The implementation emphasized community participation, collaboration with village authorities, and the application of simple digital technologies to enhance product marketing. The results showed an increase in community skills in managing local resources, the formation of asset-based business groups, and greater awareness of economic independence based on local potential. In conclusion, the ABCD approach proved effective in fostering rural economic self-reliance through the strengthening of local assets and continuous mentoring integrated with digital innovation.
Analisis Kepatuhan Membayar Zakat pada Pedagang di Kota Langsa Nabila, Fitri; Safarida, Nanda; Kamal, Safwan; Midesia, Shelly; Budiman, Iskandar
Jurnal Investasi Islam Vol. 10 No. 1 (2025): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/8jzc5g91

Abstract

Penelitian ini bertujuan menganalisis tingkat kepatuhan pedagang dalam membayar zakat perdagangan di Kota Langsa serta mengidentifikasi faktor-faktor yang memengaruhi kepatuhan tersebut, khususnya dari aspek pemahaman zakat, kendala pelaksanaan, dan tingkat kepercayaan terhadap Baitul Mal sebagai lembaga pengelola zakat. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan menghimpun data primer melalui wawancara mendalam kepada 6 (enam) informan yang terdiri atas 4 (empat) pedagang dan 2 (dua) petugas Baitul Mal Kota Langsa. Teknik analisis data dilakukan melalui tahapan reduksi data, penyajian data, dan penarikan kesimpulan secara tematik untuk mengidentifikasi pola kepatuhan dan faktor yang memengaruhinya. Hasil penelitian menunjukkan bahwa kepatuhan pedagang dalam membayar zakat perdagangan masih belum optimal secara normatif. Pertama, dari aspek pemahaman, sebagian besar pedagang belum memahami secara teknis ketentuan nisab, haul, dan mekanisme perhitungan zakat usaha. Kedua, dari aspek pelaksanaan, mayoritas pedagang cenderung menyalurkan zakat secara langsung kepada mustahik dibanding melalui Baitul Mal, sehingga kepatuhan lebih bersifat sosial-karitatif daripada institusional. Ketiga, dari aspek kepercayaan, meskipun citra Baitul Mal dinilai cukup positif, transparansi informasi dan sosialisasi dinilai masih perlu ditingkatkan untuk memperkuat partisipasi pedagang. Penelitian ini memiliki keterbatasan pada jumlah informan yang relatif terbatas dan berfokus pada pedagang aktif, sehingga belum mencakup perspektif pedagang yang sama sekali tidak menunaikan zakat. Hasil penelitian ini dapat menjadi rujukan bagi Baitul Mal dan pemerintah daerah dalam merumuskan strategi peningkatan literasi zakat, penguatan transparansi dan akuntabilitas, serta inovasi layanan pembayaran zakat berbasis digital guna mendorong kepatuhan pedagang secara berkelanjutan.
Co-Authors Adrilla Nazara, Teungku Al Qadri, Danang Alfian Ananda Fitriani, Widya Anis Kurlillah Astina, Chahayu Budiman, Iskandar Chalil, Rifyal Dahlawy Early Ridho Kismawadi, Early Ridho Fahira, Annisa Fahriansah Fahriansah, Fahriansah Faisal Yahya Fazilla, Fitri Hafiza, Aulia Hisan, Khairatun Kamal, Safwan Lazira, Widya Asriani Lili Irawati Mahirah, Fathia Maulana, Iksal Maulana, Jefri Maulida, Lia Midesia, Shelly Muhammad Amin Muhammad, Alfian Munadiati, Munadiati Mustafa, Fakhrizal Nabila, Fitri Nadila, Desi Nathasyah, Putri noviandy Nurwijayanti Pranala, Yoki Radhiyullah Armi Raudhatul Jannah Rivaldy Ryanda Saputra, Ryanda Sabda, Aulya Safwan Kamal Sari, Juli Dwina Puspita Siregar, Friska Anggi Suciarni, Nur Zefri Maulana, Zefri Zulkarnaini, Fadilla