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PENGARUH KETERBATASAN MODAL, PRODUK, HARGA, TEMPAT, DAN PROMOSI TERHADAP KEBERHASILAN UMKM ACEH UTARA (Studi Kecamatan Tanah Jambo Aye dan Kecamatan Baktiya) Hayati, Ismatul; Simahatie, Mai
IndOmera Vol 6 No 12 (2025): indOmera, September 2025 (On Process)
Publisher : LPPM-UNIKI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55178/idm.v6i12.561

The contribution of MSMEs to GRDP in the region is very significant, such as in Aceh province which reached 55.56 percent in 2024. The independence of MSMEs and their success need to be maintained, by finding solutions to supporting factors and becoming challenges in the future. Such as limited business development capital, technology needed for work efficiency, saving distribution and promotion costs, and most importantly improving the quality of production. This was done by micro research on MSMEs in Jambo Aye and Baktiya sub-districts, where there are quite a lot of MSME units in the area. For this reason, an associative method with a quantitative approach was applied. And using a multiple regression analysis model. The results of the analysis show, (1) there is a significant influence of business capital, product, price, distribution location, promotion factors on the success of MSMEs. 2) The results of the regression analysis are expressed in a significant model: Y = 3.362 + 0.575 X1 + 0.608 X2 + 0.685 X3 + 0.625 X4 + 0.501 X5. Of the five factors investigated, price was found to have the largest contribution, followed by the distribution location factor.

CONVENTIONAL BANK CUSTOMER MIGRATION POST THE IMPLEMENTATION OF SHARIA FINANCIAL INSTITUTIONS QANUN NO. 11 YEAR 2018 IN ACEH Simahatie, Mai; Asmuni, Asmuni; Rokan, Mustapa Khamal; Umikaromah, Umikaromah
International Journal of Artificial Intelligence Research Vol 7, No 1.1 (2023)
Publisher : Universitas Dharma Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29099/ijair.v7i1.1.1027

The results of the study show that Perceived Behavioral Control formed by Control beliefs has no effect on Customer behavior with Intentions as an intervening variable on Banking Customers in Aceh Province After the Implementation of Qanun LKS NO. 11 of 2018, this again proves that banking customers in Aceh do not look at whether they are capable of carrying out a behavior or not, they also do not look at whether the experience given to them is good or not so far it has not influenced their behavior in choosing banking.

Pengaruh Penerapan E-Filling Terhadap Kepatuhan Wajib Pajak Dengan Kesadaran Wajib Pajak Sebagai Variabel Moderasi Broto, Bayu Eko; Zhalika, Zalikha; Safri, Hayanuddin; Simahatie, Mai
Jurnal Ekonomi Integra Vol 13, No 2 (2023): Jurnal Ekonomi Integra
Publisher : STIE 'INDONESIA' Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51195/iga.v13i2.292

Penelitian ini bertujuan untuk mengetahui Pengaruh Penerapan E-Filling Terhadap kepatuhan wajib pajak dan Kesadaran Wajib pajak sebagai variabel moderasi. Jenis Penelitian Ini Adalah Penelitian Asosiatif. Pengumpulan Data Dalam Penelitian ini dilakukan melalui pendekatan survey dengan jenis penelitian deskriptif kuantitatif dengan menyebar kuesioner kepada 100 responden, Teknik pengumpulan data dilakukan dengan wawancara, kuesioner dan studi dokumentasi. Alat analisis data yang digunakan pada penelitian ini menggunakan SPSS (Statistical Product Sofware Solution). Hasil penelitian ini menunjukkkan bahwa Penerapan E-Filling (X) dan terhadap kepatuhan wajib pajak (Y) dengan variabel kesadaran wajib pajak (Z) sebagai variabel mediasi yaitu dengan cara cara 0,422 x -0,488 = -0,2451 = -24,51.. Dari hasil perhitungan di atas di dapatkan nilai t hitung sebesar 2,118 > 2.002 pada taraf signifikan 5%. Berdasarkan hasil penelitian bahwasannya kesadaran wajib pajak mampu memediasi pengaruh Penerapan E-Filling terhadap kepatuhan wajib pajak

STRATEGI PENCIPTAAN LAPANGAN KERJA PADA SEKTOR UMKM DI INDONESIA Azhari, Azhari; Kamaruddin, Kamaruddin; Simahatie, Mai
Ekonomika Journal Vol 16 No 1 (2024): Ekonomika, Maret 2024
Publisher : Fakultas Ekonomi Universitas Almuslim Bireuen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51179/eko.v16i1.2655

The contribution of the MSME sector to Indonesia's GDP and employment cannot be underestimated. This is evidenced by the fact that 64 million MSME businesses account for around 61% of the country's GDP and employ millions of people, this sector plays an important role in driving economic growth and creating job opportunities. However, in order for MSME businesses to continue to grow and contribute to the economy, it is important that they receive the support and resources needed to overcome challenges and seize opportunities in the global market. The purpose of this research is how to strategize MSMEs in job creation. This study uses descriptive qualitative analysis. Some of the strategies that can be taken in creating jobs in the MSME sector are increasing access to financing for MSME actors, tax incentives, increasing skill development programs for MSME entrepreneurs and encouraging innovation and technology adoption in the Indonesian MSME sector.

REGULATORY ISSUES AND CHALLENGES: GLOBAL NORMS AND RELIGIOUS CONSTRAINTS Syahraini, Syahraini; Simahatie, Mai; Abdul Majid, Prof. Shabri; Handayani, Dr. Rita; Marliyah, Dr. Marliyah
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 1 (2022): February
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i1.137

Regulation is a balancing act. Different, often contradictory, goals – flexibility and consistency, freedom and strict controls, innovation and crisis-avoidance, consolidation and conflicts of interest, efficiency and consumer protection, openness and protection of national firms – must be applied in proper dosages by people familiar with the political and cultural environment. The audit systems and incentive structures must be flexible yet strict enough to allow innovation but prevent rogue operations. Before the disruptions of the 1970s, regulators performed a mostly technical task outside of the political limelight. In recent years however, virtually every country – including those with well-established regulatory authorities and traditions – has been rocked by banking crises. By October 1998, regulators worldwide were committed to the implementation of the 'Core Principles for Effective Banking Supervision' issued in 1997 by the Basle Committee. Similarly, as of March 1999, the 102 signatories of the December 1997 Free Trade in Financial Services Agreement (under the aegis of the World Trade Organization) were expected to liberalize their markets which is directed at literature research. In this case, The author takes two problems based on the description on the background problem. The formulation of the problem is How the Value of Islam in Islam The Era of Globalization and How Globalization Affects Religious Values Islam. The research methods include: the type of research Library Research is research through literature review or literature. The data sources in this study are primary data, namely books that directly discuss on the Effect of Globalization on Islamic Religious Values. Data analysis techniques used to get the conclusion is descriptive qualitative by drawing conclusions deductively, namely how to draw conclusions from the general to the specific. The author draws conclusions and suggestions that: the influence of globalization covers many aspects of life. However, that doesn't t mean we cannot provide an understanding of globalization that includes all symptoms the. Looking at the aspects of globalization above, we can conclude that globalization is nothing but the application of rational and scientific knowledge to all activities in all areas of life or to all aspects Public.

PROBLEMS OF AL-SHARF IMPLEMENTATION IN SHARIA BANKING (STUDY LITERATURE) Simahatie, Mai; Siregar, Saparuddin; Sugianto, Sugianto
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 2 (2022): April
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i2.218

This study aims to analyze the problems that occur in the implementation of the Sharf contract in Indonesian Islamic banking, this research method is a descriptive qualitative research design with Literature Review or literature review. The results of this study are currency exchange is allowed when if it can be proven that there are no elements of gharar, maisir, usury and juhala, Al-sarf which is allowed in Islamic Sharia is only Spot Transactions while Forward Transactions and Swap Transactions are unlawful, There are problems in the implementation of Al -Sharf such as there should be no delay in payment, it is difficult to identify the customer's purpose for exchanging currency, while it is known that the Al-sarf transaction should not be carried out for the purpose of speculation (chance) or because there is a need for a transaction or as a precaution (savings). And the lack of customer literacy in knowing how to calculate or determine the exchange rate, how to calculate the currency exchange rate itself, so that in Al-Sharf transactions it can cause gharar because it is not understood by both parties to the transaction.

REGULATORY ISSUES AND CHALLENGES: GLOBAL NORMS AND RELIGIOUS CONSTRAINTS Syahraini, Syahraini; Simahatie, Mai; Abdul Majid, Shabri; Handayani, Rita; Marliyah, Marliyah
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 3 (2022): June
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i3.269

Regulation is a balancing act. Different, often contradictory, goals – flexibility and consistency, freedom and strict controls, innovation and crisis-avoidance, consolidation and conflicts of interest, efficiency and consumer protection, openness and protection of national firms – must be applied in proper dosages by people familiar with the political and cultural environment. The audit systems and incentive structures must be flexible yet strict enough to allow innovation but prevent rogue operations. Before the disruptions of the 1970s, regulators performed a mostly technical task outside of the political limelight. In recent years however, virtually every country – including those with well-established regulatory authorities and traditions – has been rocked by banking crises. By October 1998, regulators worldwide were committed to the implementation of the 'Core Principles for Effective Banking Supervision' issued in 1997 by the Basle Committee. Similarly, as of March 1999, the 102 signatories of the December 1997 Free Trade in Financial Services Agreement (under the aegis of the World Trade Organization) were expected to liberalize their markets which is directed at literature research. In this case, The author takes two problems based on the description on the background problem. The formulation of the problem is How the Value of Islam in Islam The Era of Globalization and How Globalization Affects Religious Values Islam. The research methods include: the type of research Library Research is research through literature review or literature. The data sources in this study are primary data, namely books that directly discuss on the Effect of Globalization on Islamic Religious Values. Data analysis techniques used to get the conclusion is descriptive qualitative by drawing conclusions deductively, namely how to draw conclusions from the general to the specific. The author draws conclusions and suggestions that: the influence of globalization covers many aspects of life. However, that doesn't t mean we cannot provide an understanding of globalization that includes all symptoms the. Looking at the aspects of globalization above, we can conclude that globalization is nothing but the application of rational and scientific knowledge to all activities in all areas of life or to all aspects Public.

BANKING RESTRUCTURING PROGRAM IN VARIOUS COUNTRIES IN THE WORLD Zahara, Zahara; Simahatie, Mai; Rahmi, Rahmi
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 5 (2022): October
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i5.419

The purpose of this study is to see how the restructuring programs carried out in various countries and their impact on the economy in their country. As is well known Non-Performing Loans (NPLs) that are too high cannot be tolerated because they can cause banks to become unhealthy and can indirectly adversely affect the economy of a country. So it is important to examine how developed countries make restructuring programs and the extent to which these programs can have an impact on their country's economy. This research method is qualitative descriptive with the type of library research, literature collection is carried out using the application of Harzing's Publish or Persih Web Dimensions, Google Scholer and so on. The literature collection period is the last 10 years, namely 2012-2022, then the data is processed using Vosviewer and described. From the literature review obtained, the restructuring was carried out as an effort to save troubled banks. Countries in the world such as Indonesia, Thailand, Malaysia, South Korea, China, Switzerland and the UK, the European Union, Spain, Ireland, Italy, Greece, have their own and different ways of rescuing troubled banks in their countries, starting from closing down troubled banks, selling bankrupt banks to forming a special agency for handling troubled banks.

STRATEGI PENCIPTAAN LAPANGAN KERJA PADA SEKTOR UMKM DI INDONESIA Azhari, Azhari; Kamaruddin, Kamaruddin; Simahatie, Mai
Ekonomika Journal Vol 16 No 1 (2024): Ekonomika, Maret 2024
Publisher : Fakultas Ekonomi Universitas Almuslim Bireuen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51179/eko.v16i1.2655

The contribution of the MSME sector to Indonesia's GDP and employment cannot be underestimated. This is evidenced by the fact that 64 million MSME businesses account for around 61% of the country's GDP and employ millions of people, this sector plays an important role in driving economic growth and creating job opportunities. However, in order for MSME businesses to continue to grow and contribute to the economy, it is important that they receive the support and resources needed to overcome challenges and seize opportunities in the global market. The purpose of this research is how to strategize MSMEs in job creation. This study uses descriptive qualitative analysis. Some of the strategies that can be taken in creating jobs in the MSME sector are increasing access to financing for MSME actors, tax incentives, increasing skill development programs for MSME entrepreneurs and encouraging innovation and technology adoption in the Indonesian MSME sector.

PENYULUHAN TENTANG LITERASI KEUANGAN DIGITAL PADA PEREMPUAN DI DESA COT MESJID KABUPATEN BIREUEN Munawarah, Munawarah; Rahmi, Rahmi; Aryanie, Irne; Nurjannah, Nurjannah; Bariah, Chairul; Iskandar, Iskandar; Simahatie, Mai; Ariska, Emalia
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 6, No 2 (2023): martabe : jurnal pengabdian kepada masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v6i2.%p

Desa cot mesjid merupakan desa binaan yang terkenal dengan kerajinan bordir dan terdapat kelompok pengrajin wanita yang menjadi tumpuan peningkatan ekonomi masyarakat. Oleh karena itu, tim pengabdi bertujuan untuk melakukan kegiatan sosialisasi terkait literasi keuangan digital di Kabupaten Bireuen. Pelaksanaan pengabdian ini berlokasi di Desa cot mesjid Kecamatan Juli Kabupaten Bireuen dengan sasaran perempuan pengrajin bordir dan komunitas perempuan yang menggunakan gadget dan menggunakan internet dalam aktivitas sehari-hari. Hasil dari pengabdian ini adalah masih banyak perempuan pengrajin bordir yang belum mengetahui resiko penggunaan platform keuangan digital seperti Phishing, Phraming Mobile, Sniffing, Money Mule dan Social Engineering. Selain itu masih banyak yang bingung dalam memilih platform yang tepat untuk digunakan, sehingga ada penyuluhan dari tim pengabdi Universitas Islam Kebangsaan Indonesia. Komunitas perempuan pengrajin bordir menjadi sadar akan platform dan informasi yang harus mereka pilih dan pilah untuk menghindari penyalahgunaan data pribadi.

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