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All Journal Jurnal Ilmu Perbankan dan Keuangan Syariah Jurnal Ilmu Ekonomi dan Bisnis Islam Prosiding Seminar Nasional Sisfotek (Sistem Informasi dan Teknologi Informasi) Moneter : Jurnal Ekonomi dan Keuangan Jariyah : Jurnal Ilmu Akuntansi dan Keuangan Syariah
Muhammad Syafaat
Unknown Affiliation
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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Pengembangan Aplikasi Kalla Reality Melalui Implementasi Teknologi Imersif Sebagai Media Promosi Dan Informasi Pada Bisnis Properti Hunian Syarief Dienan Yahya; Muhammad Syafaat; Fizar Syafa’at
Prosiding SISFOTEK Vol 7 No 1 (2023): SISFOTEK VII 2023
Publisher : Ikatan Ahli Informatika Indonesia

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

Abstract

This research aims to develop the "Kalla Reality" application that integrates immersive technology (Virtual Reality and Augmented Reality) as a promotional tool and source of information in the real estate industry. The implementation of immersive technology in this application allows users to explore properties virtually, visualize details, and interact with realestate agents, providing a more interactive and informative experience. This research involves methodological steps including literature review, user needs analysis, application prototype development, immersive technology integration, testing, and final evaluation. The "Kalla Reality" application is designed to meet the needs of increasingly discerning consumers in choosing residential properties by providing rich information and in-depth visual experiences. The results of this research are expected to provide insights into the positive contribution of immersive technology to the residential real estate business, including increasing consumer interest, sales process efficiency, and brand image enhancement. This application can also serve as an example of how immersive technology can transform marketing and information paradigms in the real estate industry and inspire further development in this field. Thus, this research reflects the role of immersive technology in enhancing consumer experiences, business efficiency, and the competitiveness of residential real estate companies in a competitive market.
Pengaruh Moral Sensitivity, Whistleblowing System, Kompetensi Aparatur dan Budaya Organisasi terhadap Pencegahan Fraud dalam Pengelolaan Dana Desa di Kecamatan Sojol Dhiza Salsabila; Munipa Munipa; Muhammad Syafaat; Dewi Salmita
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 3 (2025): Juli : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i3.1563

Abstract

The management of village funds in Indonesia is a crucial issue due to the high potential for fraud at the village level, despite the fact that the funds distributed each year continue to increase. In Sojol Subdistrict, Donggala Regency, cases of corruption involving village officials show that even though regulations have been established, practices in the field are still prone to irregularities that directly impact the welfare of the village community. This study aims to examine the influence of moral sensitivity, whistleblowing systems, official competence, and organizational culture on fraud prevention in village fund management. This study uses a quantitative approach, with data collected through a questionnaire distributed to 54 respondents consisting of village officials and members of the Village Council (BPD). The results of this study indicate that moral sensitivity, whistleblowing systems, official competence, and organizational culture simultaneously have a significant impact on fraud prevention in village fund management, although the level of influence of each varies. This underscores the importance of moral integrity and reporting systems, as well as strengthening competence and organizational culture at the village level.
How Does Financial Accountability, Information Quality, and Altruism Drive Business Zakat Compliance Through Business Growth Mediation? Pakawaru, Irham; Muhammad Syafaat
Jurnal Ilmu Ekonomi dan Bisnis Islam Vol 5 No 2 (2023)
Publisher : Program Studi Ekonomi Syariah, FEBI UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jiebi.v5i2.245.149-171

Abstract

This study aims to address knowledge gaps through a holistic approach, considering individual and organizational factors in the context of business zakat compliance. It involves financial accountability, information quality, and altruism as relevant factors, with information quality and altruism being mediated by business growth. Data were collected through questionnaires from 100 Small and Medium Enterprises in Palu City, Donggala Regency, and Sigi Regency, using purposive sampling. The analysis employed SEM PLS methodology. Findings indicate no significant support for the relationship between financial accountability and business growth. Conversely, information quality and altruism exhibit significant relationships. In the context of business zakat compliance, no relationships were found between financial accountability, information quality, and altruism. However, the relationship between business growth and zakat compliance proved to be significant. Mediation analysis revealed that only the relationships between information quality, altruism, and zakat compliance are mediated by business growth, while the relationship between financial accountability and zakat compliance is not mediated. Study limitations include specific context, reliance on cross-sectional data, and a narrow focus on SMEs in a specific industry. Future research recommendations encompass longitudinal studies, sample expansion, and exploration of the cultural and technological impacts on financial practices and compliance
Profit Sharing Dan Brand Image Terhadap Minat Nasabah Non Muslim dengan Reputasi Sebagai Variabel Moderating nurfaizah adjidin; Ermawati Ermawati; Muhammad Syafaat
Jariyah: Jurnal Ilmu Akuntansi dan Keuangan Syariah Vol. 1 No. 1 (2023)
Publisher : Program Studi Akuntansi Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jariyah.v1i1.2885.53-71

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh bagi hasil dan citra merek terhadap minat nasabah non muslim menggunakan produk bank syariah dengan reputasi sebagai variabel moderasi baik secara parsial maupun simultan pada BSI KC Palu Wolter Monginsidi. Penelitian ini menggunakan pendekatan kuantitatif, sumber datanya adalah data primer yang diperoleh melalui observasi dan penyebaran kuesioner. Teknik pengambilan sampel pada penelitian ini menggunakan teknik Non Probability Sampling dengan cara purposive sampling yaitu nasabah non-Muslim di BSI KC Palu Wolter Monginsidi. Uji stastistik menggunakan program SPSS teknik analisis data, asumsi klasik dan MRA. Hasil penelitian menunjukkan bahwa secara parsial melalui uji T variabel bagi hasil berpengaruh positif dan signifikan terhadap minat konsumen, variabel citra merek berpengaruh positif dan signifikan terhadap minat konsumen, variabel reputasi tidak dapat memoderasi pengaruh bagi hasil terhadap minat konsumen dan Variabel reputasi tidak dapat memoderasi pengaruh merek terhadap minat pelanggan. Sedangkan uji F Bagi Hasil dan Citra Merek berpengaruh secara simultan terhadap Minat Pelanggan dengan reputasi sebagai Variabel Moderating.
Determinants of Regional Government Financial Performance in Central Sulawesi Province Dakhilulloh, Fajar; Dewi Salmita; Muhammad Syafaat; Moh. Agus Nugroho
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i2.336.252-276

Abstract

Regional autonomy is designed to enhance the efficiency of governance and the quality of public services through the delegation of greater authority to local governments. In this context, financial performance serves as a key indicator in assessing the success of autonomy implementation. This study aims to analyze the effect of financial dependence, financial independence and the effectiveness of local own-source revenue both partially and simultaneously on the financial performance of regencies/cities in Central Sulawesi Province for the period 2018–2023. A quantitative approach with a descriptive-causal design was employed. The sample consisted of 13 regencies/cities selected using a saturated sampling technique. Data were obtained from the audited Local Government Financial Reports (LKPD) issued by the Audit Board of Indonesia (BPK) for the period 2018–2023, resulting in a total of 78 observations. The data analysis is conducted using panel data regression, assisted by Eviews 12 software. The results indicate that the three variables simultaneously have a significant effect on regional financial performance. Partially, financial dependence and financial independence have a significant effect on regional financial performance, whereas the effectiveness of local own-source revenue does not show a significant effect. These findings contribute to regional fiscal policy making by highlighting the importance of enhancing financial management strategies, particularly in reducing dependence on central government transfers and strengthening financial independence. Efforts such as optimizing local own-source revenue and improving public spending efficiency should be prioritized to enhance regional financial performance.
Penerapan SIMBA dan Akuntabilitas Pengelolaan Zakat: Tinjauan Shariah Enterprise Theory Mohammad Zidan; Nurdin, Nurdin; Muhammad Syafaat; Iqbal M Aris Ali
Jariyah: Jurnal Ilmu Akuntansi dan Keuangan Syariah Vol. 3 No. 1 (2025): JARIYAH : Jurnal Ilmu Akuntansi dan Keuangan Syariah
Publisher : Program Studi Akuntansi Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jariyah.v3i1.5113.448-466

Abstract

Pengelolaan zakat yang transparan dan akuntabel menjadi tuntutan bagi Badan Amil Zakat Nasional (BAZNAS) sebagai lembaga resmi pengelola zakat. Penelitian ini bertujuan untuk menganalisis efektivitas penerapan SIMBA dalam pengelolaan dana ZIS pada BAZNAS Provinsi Sulawesi Tengah. Penelitian ini menggunakan metode deskriptif dengan pendekatan kualitatif melalui wawancara mendalam, observasi, dan dokumentasi. Informan penelitian terdiri dari pengurus BAZNAS Provinsi Sulawesi Tengah dan muzakki. Analisis data dilakukan melalui reduksi data, penyajian data, dan verifikasi data dengan uji keabsahan melalui triangulasi. Hasil penelitian menunjukkan bahwa penerapan SIMBA telah berjalan cukup efektif dalam mendukung pencatatan, pelaporan, dan pengawasan dana ZIS. SIMBA berkontribusi terhadap peningkatan transparansi dan akuntabilitas pengelolaan dana ZIS serta meningkatkan kepercayaan muzakki. Namun, masih terdapat kendala berupa keterbatasan sumber daya manusia dan kurangnya sosialisasi pemanfaatan sistem. Implikasi penelitian ini menunjukkan bahwa optimalisasi SIMBA memerlukan peningkatan kapasitas sumber daya manusia, penguatan infrastruktur teknologi, serta strategi sosialisasi yang berkelanjutan guna meningkatkan partisipasi muzakki.
Co-Authors Dakhilulloh, Fajar Dewi Salmita Dhiza Salsabila Ermawati Ermawati Fizar Syafa’at Iqbal M Aris Ali Moh. Agus Nugroho Mohammad Zidan Munipa Munipa Nurdin Nurdin nurfaizah adjidin Pakawaru, Irham Syarief Dienan Yahya