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All Journal Majalah Ilmiah Bijak Jurnal Ilmiah Manajemen Kesatuan Jurnal Ilmiah Akuntansi Kesatuan Budimas : Jurnal Pengabdian Masyarakat Jurnal Ekonomi Efektif Kontigensi: Jurnal Ilmiah Manajemen Jurnal Pajak dan Bisnis (Journal of Tax and Business) Jurnal Administrasi Bisnis Journal of Management and Administration Provision Transforma: Jurnal Manajemen Jurnal Serambi Ekonomi dan Bisnis Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Perbankan Syariah: Persya Singkite Journal Indonesia Economic Journal
Saddam, Muhammad
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences Other

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Peran Teknologi Informasi dalam Meningkatkan Akurasi Laporan Keuangan Saddam, Muhammad
Persya: Jurnal Perbankan Syariah Vol. 3 No. 1 (2025): Maret - Agustus
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62070/persya.v3i1.250

Abstract

Perkembangan pesat teknologi informasi (TI) dalam dunia bisnis memberikan dampak signifikan terhadap proses akuntansi, terutama dalam hal meningkatkan akurasi laporan keuangan. Artikel ini bertujuan untuk menganalisis peran teknologi informasi dalam mendukung peningkatan akurasi laporan keuangan pada perusahaan. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi literatur yang membahas berbagai aplikasi dan sistem TI yang telah diterapkan dalam bidang akuntansi. Berdasarkan hasil kajian, ditemukan bahwa teknologi informasi memungkinkan otomatisasi proses pencatatan transaksi keuangan, pengolahan data secara real-time, dan peningkatan transparansi dalam laporan keuangan. Sistem perangkat lunak akuntansi dan Enterprise Resource Planning (ERP) memainkan peran utama dalam memastikan ketepatan data dan mengurangi risiko kesalahan manusia. Selain itu, penggunaan TI juga berkontribusi dalam meminimalisir manipulasi data, meningkatkan efisiensi waktu, serta mempermudah proses audit dan pengawasan. Meskipun demikian, implementasi TI memerlukan pelatihan dan adaptasi yang tepat dari sumber daya manusia agar manfaat teknologi dapat dimaksimalkan. Dengan demikian, penggunaan teknologi informasi tidak hanya meningkatkan akurasi laporan keuangan, tetapi juga meningkatkan kualitas pengambilan keputusan dalam manajemen keuangan perusahaan. Penelitian ini menunjukkan bahwa integrasi TI dalam proses akuntansi memberikan dampak positif yang signifikan terhadap akurasi dan keandalan laporan keuangan perusahaan
The Effect of Product Quality, Promotion, and Design on the Purchase Decision of Fipper Brand Footwear Products in Surabaya Saddam, Muhammad; Noor, Asmirin; Kuswandi, Kuswandi
Journal of Management and Administration Provision Vol. 5 No. 2 (2025): Journal of Management and Administration Provision
Publisher : Pusat Studi Pembangunan dan Pemberdayaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55885/jmap.v5i2.562

Abstract

The purpose of this study was to determine the effect of product quality, promotion, and design on purchasing decisions for Fipper brand footwear products in Surabaya, both individually and simultaneously. In addition, this study also attempted to identify the factors that most influence purchasing decisions for Fipper footwear products. The independent variables used are Product Quality (X1), Promotion (X2), and Design (X3), while the dependent variable is Purchase Decision (Y). In this study, the sample taken was 100 people in Surabaya who use Fipper brand footwear products using random sampling techniques. Data collection was carried out by indirect observation and distributing questionnaires to Fipper product users in Surabaya. This study uses Multiple Linear Regression Analysis based on SPSS software. From the results of the T-Test analysis, it is known that product quality (X1) and promotion (X2) do not have a significant effect on purchasing decisions for Fipper footwear products in Surabaya. On the other hand, the design variable (X3) has a significant effect on purchasing decisions, so that design is the main factor influencing consumer decisions. In addition, an R² value of 0.585 or 58.5% was obtained. This means that product quality, promotion, and design together have a positive influence on purchasing decisions for Fipper brand footwear products.
PENGARUH PRODUCT KNOWLEDGE DAN TREND HEALTHY LIFESTYLE TERHADAP MINAT BELI PRODUK UMKM HOLLY JELLY (Studi Kasus Pada Konsumen Gen Z di Surabaya) Septianan, Endra Wahyu; Firdaus, Febriski Dwi; Madina, Aldira Layza; Wardana, Faurelia Audina; Saddam, Muhammad
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 2 No. 1 (2024): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v2i1.716

Abstract

Despite their size, SMEs (Small and Medium-sized Enterprises) wield an outsized impact on Indonesia's economy, driving growth and innovation amidst complex challenges. This study investigates the influence of product knowledge and the trend of healthy lifestyles on the purchase intention of Holly Jelly—one of the SMEs, an innovative healthy jelly brand targeting Gen Z consumers in Surabaya. Two key factors are hypothesized to drive purchase intention: product knowledge, defined as consumer awareness and understanding of Holly Jelly's attributes, and the trend of healthy lifestyles, reflecting Gen Z's growing preference for health-conscious choices. This study aims to examine the independent and interactive effects of these factors on purchase intention through quantitative research methodologies. A purposive sampling method strategically selected 50 Gen Z consumers in Surabaya to participate in an online google form survey.To ensure data quality, classical assumption tests for normality, multicollinearity, and heteroscedasticity were conducted prior to linear regression analysis. The analysis revealed a significant influence of the trend of healthy lifestyles (p = 0.041) on purchase intention, confirming the growing importance of health consciousness among Gen Z consumers. However, product knowledge (p = 0.295) did not show a significant independent effect. This suggests that while general health awareness may drive purchase intention, specific knowledge about Holly Jelly's features may not be as influential.
Pengaruh Akuntabilitas dan Transparansi Terhadap Minat Muzakki Dalam Membayar ZIS (Zakat, Infaq, Shodaqoh) di Lembaga Amil Zakat dengan Religiusitas sebagai Pemoderasi (Studi Kasus UMKM Kecamatan Cilodong) Saddam, Muhammad; Azzahro, Euis Zulfa; Firmanza, Firmanza
Jurnal Ekonomi Efektif Vol. 6 No. 2 (2024): JURNAL EKONOMI EFEKTIF
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/JEE.v6i2.37333

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui bagaimana akuntabilitas dan transparansi berdampak pada keinginan untuk membayar ZIS (zakat, infaq, dan shodaqoh) dengan religiusitas sebagai pemoderasi di Kecamatan Cilodong. Jenis penelitian ini adalah kuantitatif deskriptif. Peneliti mendapatkan data populasi dari 493 UMKM di Kecamatan Cilodong. Metode penelitian deskriptif kuantitatif dengan 85 responden. Hasil penelitian menunjukkan bahwa akuntabilitas dan transparansi berpengaruh secara parsial terhadap minat membayar ZIS. Religiusitas berpengaruh secara signifikan terhadap moderasi hubungan antara transparansi dan minat membayar ZIS, tetapi religiusitas tidak berpengaruh terhadap moderasi hubungan antara akuntabilitas dan minat membayar ZIS.
ANALISIS PENERAPAN STANDAR AKUNTANSI PADA YAYASAN INDONESIA QURAN FOUNDATION Saddam, Muhammad; Nurjaya, Nurjaya; Andini, Rahma Dani; Paminto, Saptaning Ruju; Syaddad, Hasbunaim
Jurnal Administrasi Bisnis (JUBIS) Vol 4, No 1 (2024): June
Publisher : Program Studi Administrasi Bisnis Internasional, FASTER, UNSUR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35194/jubis.v4i1.4048

Abstract

Laporan keuangan adalah alat untuk menganalisis kinerja keuangan suatu organisasi maupun perusahaan, yang mana dapat memberikan informasi tentang posisi keuangan, kinerja dan arus kas, sehingga dapat dijadikan landasan dalam mengambil keputusan oleh pihak manajemen.Penelitian ini bertujuan untuk memahami rancangan penerapan standar akuntansi yang baku. Penelitian ini menggunakan metode deskriptif dan pengambilan data yang dilakukan dengan cara wawancara serta observasi langsung kelapangan, dimana tujuannya untuk melukiskan secara sistematis tentang penyusunan laporan keuangan lembaga nirlaba serta mengetahui kinerja keuangannya. Penelitian ini dilakukan untuk mengidentifikasi kendala-kendala yang dilalui oleh Yayasan Indonesia quran foundation dalam menyusun laporan keuangan sesuai dengan SAK No. 101. Hasil penelitian ini menunjukkan bahwa yayasan indonesia quran foundation mengalami kendala di pencatatan yang kurang lengkap dan kurang terstruktur,  serta tidak adanya SDM yang fokus di bidang tersebut. Diisi lain terdapat komponen-komponen yang tidak sesuai dengan standar yang berlaku bahkan masih ada pula yang tidak tersajikan. Sehingga peneliti mencoba membuat format laporan keuangan berdasarkan PSAK No. 101 yang dapat digunakan untuk mengetahui bagaimana kinerja pengelola dalam suatu periode.
PENGUATAN STRATEGI PEMASARAN DENGAN ANALISIS SWOT UNTUK LAYANAN GADAI TABUNGAN EMAS SYARIAH DI UNIT PT. PEGADAIAN SYARIAH PANGKAJENE Thahir, Inna Mutmainna Cahyani; Agussalim, Muhammad Ilham; Nizam, Muh. Syariel; Febriashalatifa, Putri; Saddam, Muhammad
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 6 No. 2 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

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

Abstract

Tabungan Emas Syariah, salah satu produk unggulan Pegadaian Syariah, memberikan kesempatan kepada masyarakat untuk berinvestasi dalam emas melalui pilihan tabungan yang fleksibel yang disesuaikan dengan prinsip syariah. Analisis (SWOT) atau analisis strengths, weaknesses, opportunities, dan threats pada Tabungan Emas Syariah PT. Pegadaian Syariah Pangkajene merupakan tujuan dari pengabdian ini. Analisis SWOT dengan data karyawan, nasabah, dan manajemen digunakan. Hasil pengabdian menunjukkan keunggulan produk: aman, terpercaya, murah, terjangkau, syariah, dan tingkat likuiditas. Kelemahan seperti biaya manajemen dan fluktuasi harga emas masih ada. Meningkatnya kesadaran investasi dan kemajuan teknologi menunjukkan peluang, sedangkan ancaman berasal dari produk serupa, kebijakan pemerintah, dan fluktuasi ekonomi global. Menurut penelitian ini, seiring dengan peningkatan pengetahuan keuangan dan minat masyarakat terhadap investasi emas, Gadai Tabungan Emas Syariah memiliki banyak peluang untuk berkembang. Kata Kunci: Tabungan Emas Syariah, Pegadaian Syariah, Investasi Emas, Analisis SWOT, Likuiditas.
Penganggaran Modal Multinasional dan Tantangan Risiko Global: Studi Kasus Pada PT Garuda Indonesia (Persero) TBK Nurmavita, Diah Ayu; Amelia, Sinta; Saddam, Muhammad; Perwito, Perwito
Indonesia Economic Journal Vol. 2 No. 1 (2026): JANUARI-JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/a6zj1k13

Abstract

Multinational capital budgeting is a long-term investment decision-making process undertaken by multinational corporations, considering various cross-border factors. Unlike domestic capital budgeting, multinational capital budgeting faces additional complexities such as currency exchange rate fluctuations, differences in tax systems, political risk, global economic risk, and regulatory differences in host countries. This study aims to analyze the concept and practice of multinational capital budgeting and examine the risks and managerial implications that arise in its implementation. The research method used is a descriptive qualitative approach through a literature review of national and international journals, international finance textbooks, and the company's financial reports and official publications. A case study of PT Garuda Indonesia (Persero) Tbk is used to provide an empirical overview of the challenges of multinational capital budgeting, particularly those related to international funding and exchange rate risk. The study results indicate that cross-border investment decisions that are not balanced with adequate risk analysis can create significant financial pressures and threaten the company's sustainability. Therefore, multinational capital budgeting needs to be conducted comprehensively, considering aspects of profitability, risk, and long-term financial resilience.
Human Resource Practices and Their Financial Impact on Indonesian Banks Tumanggor, Muliahadi; Murtiana, Sri; Suwito, Suwito; Kasmad, Kasmad; Saddam, Muhammad
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 5 (2025): JIMKES Edisi September 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i5.3536

Abstract

This study aims to analyze the influence of human resource management practices, economic indicators, and tax compliance on the financial performance of Indonesian banks operating in international markets. This study uses quantitative research methods to examine the influence of human resource management practices, economic indicators, and tax compliance on the financial performance of Indonesian banks operating in international markets. Data were collected from 46 banks listed on the Indonesia Stock Exchange through questionnaires and secondary sources. Data analysis was conducted using Structural Equation Modeling based on Partial Least Squares (SmartPLS 3.0). The results show that human resource practices have a significant positive effect on economic indicators and tax compliance. These two variables directly improve bank financial performance and also mediate the relationship between human resource practices and financial performance. These findings confirm that integrating human resource strategies with economic dynamics and regulatory compliance is crucial in enhancing bank competitiveness in the global market. This study suggests that banks need to invest resources in employee training and strengthening compliance systems to optimize financial performance. This study expands understanding of the mediating role of external indicators in the relationship between human resource practices and organizational outcomes.
Co-Authors Agussalim, Muhammad Ilham Amelia, Sinta Andini, Rahma Dani Azzahro, Euis Zulfa Djaddang, Syahril Febriashalatifa, Putri Firdaus, Febriski Dwi Firmanza, Firmanza Iskandar, Raihan Kuswandi Kuswandi Madina, Aldira Layza Millah, Shofwatul Murtiana, Sri Nizam, Muh. Syariel Noor, Asmirin Nur Mubarok, Muadzin NURJAYA NURJAYA, NURJAYA Nurmavita, Diah Ayu Pangaribuan, Hisar Parmuji, Parmuji Perwito, Perwito Rahayu, Sari Rasmana, Idan Saptaning Ruju Paminto Septianan, Endra Wahyu Sihombing, Jenny Slamet Wahyudi Sunarsi, Denok Suwito Suwito Syaddad, Hasbunaim Thahir, Inna Mutmainna Cahyani Wardana, Faurelia Audina