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All Journal Islamic Review : Jurnal Riset dan Kajian Keislaman Jurnal Mahasiswa Akuntansi Samudra Journal of Accounting and Financial Issue
Harahap, Ainul Yusna
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Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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STRATEGI PEMBERDAYAAN BUMDes UNTUK PENINGKATAN KESEJAHTERAAN DI GAMPONG PAYABUJOK SEULEUMAK Putri, Desyana; Saputra, Ryanda; Harahap, Ainul Yusna; Prabowo, Aji
Journal of Accounting and Financial Issue (JAFIS) Vol 6 No 1 (2025): Journal of Accounting and Financial Issue (JAFIS)
Publisher : Program Studi Akuntansi Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24929/jafis.v6i1.4310

Abstract

Penelitian ini bertujuan untuk menganalisis strategi pemberdayaan BUMDes Gampong Payabujok Seuleumak sebagai upaya peningkatan kesejahteraan masyarakat di tingkat desa. Penelitian ini menggunakan pendekatan analisis SWOT untuk mengevaluasi faktor internal dan eksternal yang mempengaruhi kinerja BUMDes. Hasil analisis menunjukkan bahwa BUMDes memiliki kekuatan dalam hubungan yang baik dengan pemerintah desa dan potensi pasar lokal yang besar, namun juga menghadapi kelemahan dalam hal pengelolaan SDM dan keterbatasan lahan usaha. Peluang yang ada termasuk dukungan pemerintah dan kemitraan dengan industri lokal, sedangkan ancaman yang dihadapi adalah persaingan usaha yang ketat dan ketidakstabilan ekonomi. Berdasarkan temuan ini, disarankan agar BUMDes memanfaatkan kekuatan internal untuk mengeksploitasi peluang eksternal melalui pelatihan pengelolaan, penggunaan teknologi dan memperluas kemitraan dengan sektor lain untuk meningkatkan efisiensi dan kinerja usaha. Melalui penerapan strategi yang tepat, BUMDes berpotensi besar untuk meningkatkan kesejahteraan masyarakat desa Gampong Payabujok Seuleumak dan berkontribusi pada pembangunan ekonomi desa secara berkelanjutan.
PENGARUH KURS RUPIAH, INFLASI, DAN HARGA MINYAK DUNIA TERHADAP INDEKS HARGA SAHAM PERUSAHAAN TRANSPORTASI DAN LOGISTIK (IDXTRANS) Gaswira, Leni; Meutia, Tuti; Harahap, Ainul Yusna
Jurnal Mahasiswa Akuntansi Samudra Vol 6 No 3 (2025)
Publisher : Program Studi Akuntansi, Fakultas Ekonomi. Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmas.v6i3.12364

Abstract

This study aims too examine the effect of the rupiah exchange rate, inflation, and world oil prices on the Stock Price Indeks of the Tranportation and Logistic Sector (IDXTRANS). This is a quantitative research using secondary data consisting of 47. The data were selected using a saturated sampling technique and analyzed using SPSS. The analytical methods used include descriptive statistics, classical assumption tests, and hypothesis testing through multiple linear regression analysis. The results of the study show that: (1) the rupiah exchange rate has a negative and significant effect on IDXTRANS; (2) inflation has a positive and significant effect on IDXTRANS; (3) word oil prices also have a positive and significant effect on IDXTRANS; and (4) simultaneously, the variables of rupiah exchange rate, inflation, and world oil prices significantly effect IDXTRANS. This study is limited to a specific sector and time, and does not include other potential macroeconomic or political factors. Future research is recommended to use a longer observation period and to include additional variables such as interest rates, political stability, and consumer confidence index to obtain more comprehensive results.
Buy Now Pay Later from an Islamic Perspective: Implications for Financial Management and Sustainability among Millennials Harahap, Ainul Yusna; Putri, Desyana; Fajriah, Agustina Nurul; Ardiyanti, Dyah Ayu; Saputra, Ryanda
Islamic Review: Jurnal Riset dan Kajian Keislaman Vol 14 No 2 (2025): Oktober 2025
Publisher : Mafapress - Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) IPMAFA Pati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/islamicreview.v14i2.1831

Abstract

Buy Now Pay Later (BNPL) services have become increasingly popular among millennials in Langsa City. However, the widespread use of BNPL raises potential conflicts with Islamic financial principles such as riba, gharar and maysir. This study aims to analyze BNPL’s compliance with Islamic financial principles and its implications for the financial management and financial sustainability of millennials in Langsa City. The research employs a mixed methods approach by combining a questionnaire survey and interviews. A total of 150 millennial respondents were selected through cluster sampling and the data were analyzed using SmartPLS. The results indicate that BNPL has a positive and significant effect on millennials’ financial management and financial sustainability. However, BNPL still contains elements of riba and gharar. The analysis shows that Islamic financial principles mediate the influence of BNPL on financial management, but not on financial sustainability. Overall, BNPL has potential as a beneficial modern financial instrument if aligned with Sharia principles. Enhancing Islamic financial literacy is crucial to minimize Sharia-related and financial risks.
Co-Authors AJI PRABOWO Dyah Ayu Ardiyanti Fajriah, Agustina Nurul Gaswira, Leni Putri, Desyana Ryanda Saputra, Ryanda Tuti Meutia