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All Journal JURNAL PENDIDIKAN EKONOMI: Jurnal Ilmiah Ilmu Pendidikan, Ilmu Ekonomi dan Ilmu Sosial Jurnal Ilmiah Universitas Batanghari Jambi JURNAL PENDIDIKAN TAMBUSAI ILTIZAM Journal of Sharia Economic Research Bertuah : Jurnal Syariah dan Ekonomi Islam Indonesian Journal of Islamic Economics and Business Jurnal Manajemen, Bisnis dan Kewirausahaan ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar International Journal of Economics (IJEC) International Journal of Community Service (IJCS) Jurnal Manajemen Keuangan Syariah Jurnal Riset Rumpun Ilmu Ekonomi (JURRIE) Margin : Journal of Islamic Banking
Anita, Efni
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An Overview of the Palm Oil Plantation Industry and its Social Impact on Local Communities in Jambi Province, Sumatra, Indonesia Aziz, Arfan; Armaz, Eja; Rafidah, Rafidah; M. Nazori; Rosmanidar, Elyanti; Mutia, Agustina; Usdeldi, Usdeldi; Anita, Efni; Fusfita, Nurlia; Rahma, Sri; M. Subhan; Nofriza, Eri; Alawiyah, Rabiyatul
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.839

Abstract

This study aims to provide a comprehensive overview of the palm oil plantation industry and its social impacts on local communities in Jambi Province, Sumatra, Indonesia. Palm oil plantations have become an important economic sector in the region, contributing significantly to the local and national economy. However, on the other hand, the expansion of this industry has also given rise to a variety of complex social and environmental problems. This study uses a qualitative approach with in-depth interviews, field observations, and document analysis to examine the socio-economic impacts on local communities. The results show an increase in the economic welfare of local communities through job creation and infrastructure improvements. However, negative impacts such as land conflicts, environmental degradation, and changes in culture and traditional livelihoods were also found. This study underlines the need for more sustainable and equitable policies in the management of palm oil plantations to minimize negative impacts on local communities and the environment in Jambi Province.
The Influence of Leadership, Work Motivation, and Compensation on Employee Performance through Job Satisfaction as an Intervening Variable at Bank Syariah Indonesia KC Gatot Subroto Jambi Fitria, Savira; Mubyarto, Novi; Nengsih, Titin Agustin; Anita, Efni; Rahma, Sri; Munsarida
International Journal of Economics (IJEC) Vol. 3 No. 1 (2024): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i1.875

Abstract

This study examines the direct and indirect effects of the variables of Leadership, Work Motivation, and Compensation on Employee Performance through Job Satisfaction as an intervening variable. This research is a quantitative study using the Total Sampling method with 45 respondents. Data analysis is conducted using the Structural Equation Modeling (SEM) analysis with Smart-PLS computer program. The results of this study are as follows: 1) Leadership has a positive and significant effect on Job Satisfaction 2) Work Motivation does not have a significant effect on Job Satisfaction 3) Compensation has a positive and significant effect on Job Satisfaction 4) Leadership has a positive and significant effect on Employee Performance 5) Work Motivation has a positive and significant effect on Employee Performance 6) Compensation does not have a significant effect on Job Satisfaction 7) Job Satisfaction has a positive and significant effect on Employee Performance 8) Job Satisfaction is able to influence the relationship between Leadership and Employee Performance 9) Job Satisfaction is not able to influence the relationship between Work Motivation and Employee Performance 10) Job Satisfaction is able to influence the relationship between Compensation and Employee Performance.
The Role of Sharia Micro Financing in the Development of Micro Small and Medium Enterprises in Telanaipura District Wicaksono, Agung; Anita, Efni; Rahma, Sri; Nasrullah, Aditya; Nikmah, Isnadiatun; Rusmiyati, Mellyani
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.968

Abstract

Micro, Small and Medium Enterprises (MSMEs) are an important part of the economy of a country or region, including Indonesia. The development of the MSME sector provides its own meaning in efforts to increase economic growth and in efforts to reduce the poverty rate in a country. The role of sharia microfinance plays an important role in business development for MSMEs. The aim is to find out whether MSME actors have run their businesses using sharia microfinancing and what role sharia microfinance plays in business development for these MSME actors. This research is field research using qualitative methods. Data collection techniques using observation, interviews and documentation. The interview this time consisted of several MSME actors in the Telanaipura District, Jambi City. The results of this research are MSME actors in Telanaipura District who have run their businesses by carrying out sharia micro financing and the important role of sharia micro financing in business development for these MSME actors.
Pengaruh Profitabilitas, Likuiditas dan Solvabilitas terhadap Kebijakan Dividen Perusahaan yang Terdaftar di Jakarta Islamic Indeks Wati, Ema Risna; Anita, Efni; Putri, Nurrahma Sari
Jurnal Ilmiah Universitas Batanghari Jambi Vol 24, No 2 (2024): Juli
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jiubj.v24i2.5092

Abstract

This study aims to determine the effect of profitability represented by return on asset, liquidity represented by current ratio and solvency represented by debt to equity ratio on dividend policy represented by dividend payout ratio. The method used in this research is quantitative with associative research type. The object of research is companies listed on the Jakarta Islamic Indeks in 2020-2022. The sampling technique is purposive sampling so that there are 14 companies that are the object of research so that there are 42 observation data. The data in this study is panel data processed with the rstudio application. The results showed that return on asset has a significant negative effect on dividend payout ratio, current ratio has no significant effect on dividend payout ratio and debt to equity ratio has no significant effect on the dividend payout ratio. Simultaneously, all independent variabels have a significant effect on the dividend payout ratio. This research is useful for assessing the concept on finansial performance contained in finansial management using finansial ratios.
PENGARUH LITERASI KEUANGAN DAN PENETRASI INTERNET TERHADAP INKLUSI KEUANGAN SYARIAH DI INDONESIA (2021 - 2025) fitria, Savira; anita, efni; rahayu, yunie; soleh, ahmad
ILTIZAM Journal of Shariah Economics Research Vol. 9 No. 2 (2025): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/8kszej69

Abstract

This study aims to analyze the effect of financial literacy and internet penetration on Islamic financial inclusion in Indonesia during the period 2021–2025. The increasing use of digital technology and the development of the Islamic financial industry necessitate a deeper understanding of the factors that influence the affordability and use of Islamic financial products by the public. This study uses a quantitative approach with secondary data obtained from official publications of the Financial Services Authority (OJK), Bank Indonesia, and the Central Statistics Agency (BPS). The analysis was conducted using a multiple linear regression model to test the significance of the independent variables' influence on the dependent variable. The results show that financial literacy has a positive and significant effect on Islamic financial inclusion, particularly through increasing public understanding of Islamic financial principles and the benefits of Islamic products in financial management. In addition, internet penetration has also been proven to have a positive and significant effect, given that the digitization of Islamic financial services such as mobile banking, Islamic fintech, and halal e-wallets facilitates public access to financial products and services. These findings confirm that the synergy between improving financial literacy and expanding digital infrastructure is very important in expanding Islamic financial inclusion in Indonesia. This study is expected to contribute to policymakers, Islamic financial institutions, and digital industry players in formulating effective and sustainable strategies to increase financial inclusion.
Enhancing Financial Capability Through the Socialization of Sharia Accounting at the Selaras Pinang Masak People’s Craft Center, Jambi Rafidah, Rafidah; Rahman, Nur Hayati Abd; Elyanti, Elyanti; Nazori, Nazori; Martaliah, Nurfitri; Anita, Efni; Alawiyah, Rabiyatul; Herlambang, Ilham Wisnu; Aminatah, Aminatah
International Journal of Community Service (IJCS) Vol. 4 No. 2 (2025): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v4i2.1683

Abstract

This Community Service Program aims to strengthen the financial capabilities of MSME actors at BKR Selaras Pinang Masak through intensive socialization and practical training on Sharia Accounting. The method used involves a comprehensive approach, including a pre-test, in-depth delivery of material on Sharia accounting principles, practice of simple financial recordkeeping, a post-test, and evaluation. The results show a significant improvement in participants’ understanding of Sharia accounting concepts, financial recording accuracy, and awareness of Sharia-compliant financial management. This program successfully provided a foundation for MSMEs to manage their finances more transparently and ethically, improving their eligibility for Sharia-based financing and supporting the sustainability of their businesses. These findings highlight the importance of targeted, appropriate, and practical Sharia Accounting socialization programs in strengthening MSME financial capacity
PELAKSANAAN AKAD MUSYARAKAH MUTANAQISAH (MMQ) DALAM PEMBIAYAAN KREDIT PEMILIKAN RUMAH (KPR) PADA BANK SYARIAH INDONESIA (BSI) DI KOTA JAMBI Hanafi, Hanafi; Anita, Efni; Munsarida, Munsarida
MARGIN: Journal of Islamic Banking Vol 6 No 1 (2026): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/margin.v6i1.3409

Abstract

Perkembangan sektor properti yang pesat mendorong meningkatnya kebutuhan masyarakat akan hunian yang layak. Sebagai solusi atas tingginya permintaan tersebut, Bank Syariah Indonesia (BSI) menghadirkan produk pembiayaan Kredit Pemilikan Rumah (KPR) dengan akad Musyarakah Mutanaqisah (MMQ) yang berlandaskan prinsip syariah. Penelitian ini bertujuan untuk mengkaji pelaksanaan akad MMQ dalam pembiayaan KPR di BSI KCP Hayam Wuruk Jelutung Kota Jambi, serta mengevaluasi kendala dan upaya dalam implementasinya. Skripsi ini menggunakan pendekatan kualitatif, dengan informan yang terdiri dari marketing pembiayaan KPR, customer service, branch operation service manager di BSI dan nasabah serta menggunakan metode pengumpulan data melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa 1) Pelaksanaan akad Musyarakah Mutanaqisah (MMQ) dalam pembiayaan KPR di BSI KCP Hayam Wuruk Jelutung telah berjalan sesuai prinsip syariah dan prosedur operasional dengan mekanisme kepemilikan bertahap melalui cicilan dan sewa serta didukung transparansi dan kejelasan informasi; 2) Pelaksanaan akad MMQ dihadapkan pada sejumlah kendala, seperti rendahnya literasi masyarakat terhadap konsep MMQ, keterlambatan pengumpulan dokumen, serta ketidakstabilan ekonomi nasabah. Untuk mengatasinya, BSI KCP Hayam Wuruk Jelutung melakukan edukasi publik, menyederhanakan proses pembiayaan, dan menyediakan opsi restrukturisasi angsuran. Upaya ini bertujuan untuk meningkatkan pemahaman masyarakat dan memperluas akses pembiayaan syariah secara berkelanjutan.
PENGARUH DANA PIHAK KETIGA, KECUKUPAN MODAL DAN PEMBIAYAAN BERMASALAH TERHADAP PEMBIAYAAN MUDHARABAH PADA BANK SYARIAH INDONESIA TAHUN 2017-2024 Astuti, Henni Windia; Anita, Efni
MARGIN: Journal of Islamic Banking Vol 6 No 1 (2026): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/margin.v6i1.5774

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Dana Pihak Ketiga, Kecukupan Modal dan Pembiayaan bermasalah terhadap Pembiayaan Mudharabah Pada Bank Syariah Indonesia tahun 2017-2024. Penelitian menggunakan pendekatan kuantitatif dengan menganalisis 32 sampel data triwulan yang bersumber dari Otorita Jasa Keuangan (OJK) dengan menggunakan analisis regresi linear berganda. Hasil penelitian secara parsial menunjukkan bahwa variabel dana pihak ketiga memiliki pengaruh yang negatif dan signifikan terhadap Pembiayaan Mudharabah pada Bank Syariah Indonesia. Dibuktikan dengan nilai signifikansi 0.034 < 0.05, variabel kecukupan modal (CAR) memiliki pengaruh negatif dan tidak signifikan terhadap pembiayaan mudharabah pada Bank Syariah Indonesia. Dengan nilai signifikasinya 0.354 < 0.05 . Pembiayaan bermasalah yang menunjukkan pengaruh positif dan signifikan terhadap pembiayaan Mudharabah dengan nilai signifikansi 0.001 < 0.05. Analisis regresi secara simultan mengungkapkan bahwa ketiga variabel Dana Pihak Ketiga, Kecukupan Modal, dan Pembiayaan bermasalah memberikan pengaruh signifikan terhadap pembiayaan mudharabah pada Bank Syariah Indonesia, dengan nilai Adjusted R Square mencapai 0.668 atau 66’8%, sementara 33,2% sisanya dipengaruhi faktor lain di luar cakupan penelitian ini.
Analisis Sistem Akuntansi Penerimaan dan Pengeluaran Kas pada Madrasah Aliyah Nurul Islam Bayung Lencir Wulandari, Anita Naning; Anita, Efni
ARZUSIN Vol 6 No 1 (2026): FEBRUARI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i1.8932

Abstract

The implementation of technology-based accounting systems in educational institutions aims to enhance the transparency and accountability of financial management; however, studies that specifically examine the application of cash receipts and disbursements accounting systems in madrasah remain relatively limited. This study aimed to analyze the implementation of a technology-based cash receipts and disbursements accounting system and to identify the challenges faced by Madrasah Aliyah Nurul Islam Bayung Lencir in its financial management. A qualitative approach with a descriptive case study design was employed, involving informants consisting of the principal, treasurer, administrative staff, and teachers involved in financial management, who were selected through purposive sampling. Data were collected through in-depth interviews, direct observations, and analysis of the madrasah’s financial documents, and were analyzed using thematic analysis through the stages of data reduction, data display, and conclusion drawing. The results showed that the implementation of the technology-based accounting system at Madrasah Aliyah Nurul Islam Bayung Lencir has not yet run optimally, with key constraints including limited human resource competencies, insufficient training, inadequate technological infrastructure, and low system integration. These conditions have led to a high dependence on manual recording before data are entered into the digital system, which affects the efficiency and accuracy of financial reporting. These findings underscore the importance of strengthening internal policies, enhancing human resource competencies, and improving infrastructure support to achieve more transparent and accountable financial management in madrasahs.
Co-Authors , Nopriani Abda Abda Adeliani, Olifvia Putri agnes putri, agnes Agung Wicaksono Agusriandi, Agusriandi Agustina Mutia Ahmad Soleh Ahmad Syahrizal Akbariansah, Agus Alawiyah, Rabiyatul Amelia Puspita, Inggit Aminatah, Aminatah Andriana, Nirhamni Ardiansyah, M. Zikri Armaz, Eja Astuti, Henni Windia Dedek Kusnadi Elyanti Rosmanidar, Elyanti Elyanti, Elyanti erma novalina Faturahman Fermana, Rachmad Fitria, Savira Fuad Rahman Fusfita, Nurlia Habibah , G.W.I Awal Hafizh Fajri, M. Hanafi Hanafi Herlambang, Ilham Wisnu Ipada, Naziroh Nurul Khairul Anwar Lubis, Puteri Anggi M. Nazori M. Subhan Magfiroh, Inarotul Marissa, Nurliana Martaliah, Nurfitri Mawarni, Siti Mayang Anggraini Meidina, Mutiara Alda Miftahul Jannah Mubyarto, Novi Muhammad Husen, Muhammad Muhammad Subhan Munsarida MUNSARIDA munsarida Nasrullah, Aditya Naufal ramli, Luthfi Nazori, Nazori Nikmah, Isnadiatun Nofriza, Eri Novalina, Erma Novita, Sherly Permata, Tika Agu Putri, Nurrahma Sari Rafidah Rafidah Rafidah Rahayu, Yunie Rahma, Sri Rahman, Nur Hayati Abd Rahman, Sakinah RAMADHAN, NURMAN Refky Fielnanda ROHANA ROHANA Rusmiyati, Mellyani Sudharyati, Neneng Sukri, Dina Ranvica Titin Agustin Nengsih Usdeldi, Usdeldi Wati, Ema Risna Wulandari, Anita Naning Yuniar, Vita