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All Journal I-ECONOMICS: A Research Journal on Islamic Economics Jurnal Manajemen & Keuangan Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Jurnal Tabarru': Islamic Banking and Finance Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Ilomata International Journal of Management Jurnal Akuntansi dan Keuangan Economic Reviews Journal Journal Research of Economics and Bussiness Amkop Management Accounting Review (AMAR) Jurnal Akuntansi Audit dan Perpajakan Indonesia (JAAPI) Journal of Management, Economic, and Accounting El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Dedikasi Masyarakat IECON: International Economics and Business Conference Journal of Ekonomics, Finance, and Management Studies Jurnal Kebidanan dan Kesehatan
Nurwani
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Strategy Model For Improving Sharia Financing For Empowering UMKM Fostered By PNM In South Labuhan Batu, North Sumatera Emriana Parapat; Muhammad Syahbudi; Nurwani
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v6i4.6426

Abstract

One of the sharia products is sharia financing for MSMEs which has been intensified by the community since Covid-19, South Labuhan Batu Regency is one of the areas in North Sumatra whose population is dominated by Islam, the community's willingness to finance based on sharia through PNM Mekaar Syariah is due to the minimal concentration of usury owned by financing through Mekaar Syariah Capital, South Labuhan Batu Regency, in this study using a qualitative research method where data from the study was taken from several sources, namely primary and secondary to support detailed research results, in the study the results of the study were taken through interview techniques with customers, branch managers, deputy branch managers and officers who went into the community, in the results of the study it was found that in implementing their financing, the South Labuhan Batu community often participated in studies that made their understanding of usury very large. The model of the strategy used by PNM Mekaar Syariah to empower MSMEs in the South Labuhan Batu community has several strategies, starting from financing with minimal usury, implementing sponsorship such as providing billboards and banners, providing education and socialization to the community regarding business, monitoring business progress, giving the community time when the business is not running smoothly, and implementing a joint responsibility system for customers who fail to pay. This allows the community to improve and empower their MSMEs and can also provide benefits for PNM Mekaar Syariah itself.
Analysis of The Influence of Digital Marketing And Brand Image on The Interest of Generation Z in Investing in Gold in Islamic Financial Institutions Indriyani, Heny; Syahbudi, Muhammad; Nurwani
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i1.7063

Abstract

This study aims to analyze the role of digital marketing and brand image on Generation Z's interest in investing in digital gold through digital-based Islamic Financial Institutions, with a case study on Sharia Banking students at UIN Sumatera Utara Medan. The research method used is Partial Least Square Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS software. Data were collected through questionnaires distributed to students as research samples. The analysis results show that both variables—digital marketing and brand image—have a significant and positive influence on interest in digital gold investment. The research model is able to explain 82.2% of the variation in Generation Z's interest in digital gold investment. These findings indicate that strengthening brand image and implementing effective digital marketing strategies are crucial to increasing digital gold investment interest among students. The practical implication of this research is that Islamic financial institutions need to optimize digital marketing and build a strong brand image to attract young investors.
Evaluating Village Fund Allocation using Effectiveness, Efficiency, and Growth Ratios Alfian, Ryan Allif; Syafina, Laylan; Nurwani
Jurnal Manajemen dan Keuangan Vol 14 No 1 (2025): JURNAL MANAJEMEN DAN KEUANGAN
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmk.v14i1.11694

Abstract

This study aims to evaluate the performance of Village Fund Allocation (ADD) management in Gampong Lampulo during the 2021–2023 period using three financial ratio approaches: effectiveness ratio, efficiency ratio, and growth ratio. The research addresses a gap in the literature by comprehensively combining these three ratios into a single analytical framework. A quantitative descriptive method with documentation techniques was employed. Data were obtained from the Village Revenue and Expenditure Budget (APBDes) Realization Reports for 2021–2023. The results show that ADD management in Gampong Lampulo was generally effective and efficient, although some fluctuations occurred. The effectiveness ratio ranged from 85.80% to 100%, and the efficiency ratio from 82.64% to 90.78%, falling into the "good" category. However, the growth ratio for revenue and expenditure tended to be low and showed a declining trend in 2023. These findings indicate the need for more strategic financial planning and diversification of funding sources to ensure sustainable village development.
Village Financial Accountability through Siskeudes: A Case Study in Jambur Pulau Ade Trya Amelia; Nursanti Yanti; Nurwani
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.3039

Abstract

This study aims to analyze how the implementation of Government Accounting Standards (SAP), supported by the Village Financial Management System (SISKEUDES), can improve accountability in village financial management. This study used a qualitative approach with a descriptive qualitative approach. Data were obtained through interviews with several informants, observations, and documentation. The informants in this study were the village head, the village secretary, and the village finance officer. The data analysis technique used was triangulation, which encompasses three stages: data reduction, data presentation, conclusion drawing, and verification. The results indicate that the implementation of Government Accounting Standards (SAP) through the Siskeudes application in Jambur Pulau Village has been successful and supports transparent, orderly, and accountable financial management. Siskeudes has proven effective in strengthening village financial accountability and facilitating the preparation of financial reports in accordance with regulations, although technical challenges and limited human resources remain. Regular training and mentoring help improve the skills of village officials in operating the application.
The Impact of Environmental Uncertainty and Accounting Information Systems on Managerial Performance of Micro, Small, and Medium Enterprises in Parepare City Fatimah; Sariana Damis; Hernianti Harun; Yadi Arodhiskara; Nurwani; Raoda
IECON: International Economics and Business Conference Vol. 3 No. 2 (2025): International Conference on Economics and Business (IECON-3)
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/dc4yfz88

Abstract

This study investigates how accounting information systems and environmental uncertainty affect the managerial performance of UMKM in Parepare. Multiple linear regression techniques are used in this quantitative study. Purposive sampling was used to choose the 86 UMKM managers registered in the Rumah BUMN Parepare program as responders. Questionnaires were used to gather data, and SPSS was used for analysis to assess the model’s validity, reliability, and significance. According to the study’s findings, accounting information systems significantly and favorably affect management performance (p < 0.001), but environmental uncertainty has no discernible effect (p = 0.918). Other factors outside the model also have a considerable impact, as indicated by the coefficient of determination (R2) of 16.9%. This study advances the body of literature on managerial performance by emphasizing the significance of accounting information systems and the limited role of environmental uncertainty. UMKM managers and policymakers can learn from these findings how important it is to create integrated and structured accounting information systems to facilitate decision-making and operational efficiency. The findings may not accurately represent the circumstances of UMKM in other areas or industries because this study is restricted to UMKM in the city of Parepare. The empirical investigation of the variables influencing managerial performance in UMKM is the main topic of this quantitative study.
Penerapan Standar Akuntansi Keuangan  Entitas Mikro, Kecil, dan Menengah pada Laporan Keuangan Pabrik Tempe Rumahan: UMKM Desa Pekan Tolan Kabupaten Labuhan Batu Selatan Nst, Nur Kamelia; Rokan, Mustapa Khamal; Nurwani
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 1 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i1.382

Abstract

MSMEs have been chosen by many people to be free from social problems. The recording of MSME financial statements must comply with the Micro, Small and Medium Entity Financial Accounting Standards (SAK EMKM). However, many MSMEs, such as Pekan Tolan Village, do not have financial reporting standards. This study aims to understand how the home tempeh factory collects and presents financial data and how the home tempeh factory implements the applicable standards. This study uses a descriptive descriptive approach as an appropriate methodology for in-depth interviews and observations. This research was conducted in a temporary housing factory in Pekan Tolan Village, Kampung Rakyat Village, Labuhan Batu Selatan District. The results of the study show that the home tempe factory in recording financial reports is still done manually and is very simple, and its implementation is not fully in accordance with the provisions stipulated in the EMKM SAK. The recording of the financial statements presented by the home tempeh factory is only a profit and loss statement, while the statement of financial position and notes on financial statements do not yet exist, due to several obstacles that cause SAK EMKM not to be implemented in home tempeh factories, namely a lack of knowledge and understanding of the presentation of appropriate financial statements with Accounting Standards for Small, Medium Companies, ha (SASK EMKM) (SAK EMKM). Keywords: SAK EMKM, UMKM, Financial Statements.
Analysis of The Influence of Digital Marketing And Brand Image on The Interest of Generation Z in Investing in Gold in Islamic Financial Institutions Indriyani, Heny; Syahbudi, Muhammad; Nurwani
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i1.7063

Abstract

This study aims to analyze the role of digital marketing and brand image on Generation Z's interest in investing in digital gold through digital-based Islamic Financial Institutions, with a case study on Sharia Banking students at UIN Sumatera Utara Medan. The research method used is Partial Least Square Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS software. Data were collected through questionnaires distributed to students as research samples. The analysis results show that both variables—digital marketing and brand image—have a significant and positive influence on interest in digital gold investment. The research model is able to explain 82.2% of the variation in Generation Z's interest in digital gold investment. These findings indicate that strengthening brand image and implementing effective digital marketing strategies are crucial to increasing digital gold investment interest among students. The practical implication of this research is that Islamic financial institutions need to optimize digital marketing and build a strong brand image to attract young investors.
Gambaran Pengetahuan Ibu Hamil Tentang Kebutuhan Gizi Selama Kehamilan Di Puskesmas Mpunda Tahun 2023 Nurwani; Susanti; Niatullah Aliyati, Nini
Jurnal Kebidanan dan Kesehatan Vol. 1 No. 2 (2023)
Publisher : LPPM Akbid Surya Mandiri Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70683/jkk.v1i2.17

Abstract

LATAR BELAKANG The World Healt Organization [WHO] (2018) melaporkan bahwa terdapat 52 % ibu hamil mengalami anemia di negara berkembang pada tahun 2018. Berdasarkan studi pendahuluan yang dilakukan di Puskesmas Mpunda pada bulan Mei Tahun 2023 sebanyak 176 orang ibu hamil, dilakukan pengisian kuesioner oleh 10 orang ibu hamil tentang kebutuhan gizi ibu selama kehamilan, diperoleh hasil sebanyak 4 orang ibuamil mengetahui tentang supplemen kehamilan dan 6 orang ibu hamil tidak mengetahui tentang kebutuhan gizi ibu hamil selama kehamilan. TUJUAN PENELITIAN Mengetahui Gambaran Pengetahuan Ibu Hamil Tentang Kebutuhan Gizi Selama Kehamilan di Puskesmas Mpunda Tahun 2023. METODE PENELITIAN Jenis penelitian ini adalah penelitian deskriptif. Populasi dalam penelitian ini adalah semua ibu hamil di Puskesmas Mpunda periode Mei Tahun 2023 sebanyak 64 orang. Pengambilan sampel menggunakan tehnik Total sampling yaitu teknik penentuan sampel bila semua anggota populasi digunakan sebagai sampel sebanyak 64 orang. HASIL PENELITIAN Berdasarkan hasil penelitian di Puskesmas Mpunda Kota Bima Tahun 2023 sebagian besar pengetahuan ibu hamil yaitu kurang sebanyak 30 orang (46,9%). Hasil penelitian ini dapat disimpulkan pengetahuan ibu hamil mempengaruhi kebutuhan gizi selama kehamilan
Pengaruh Kualitas Pelayanan dan Harga Terhadap Keputusan Pembelian Jasa Car Wash: Studi Kasus Sakti Carwash Kota Binjai Yudi Bimantaka; Sri Ramadhani; Nurwani
Economic Reviews Journal Vol. 3 No. 3 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i3.446

Abstract

This research aims to determine the influence of service quality and price on purchasing decisions for car wash services among Sakti Carwash consumers in the city of Binjai. This research uses a quantitative approach with an associative research approach. Data collection techniques were carried out using questionnaires, observation and documentation methods. The sample used was 97 people who were Sakti Carwash Binjai consumers taken using probability sampling techniques. The data analysis technique in this research uses multiple linear regression analysis with hypothesis analysis using the partial test (t), simultaneous test (F), and coefficient of determination test (Ajusted R2) which is processed using the IBM SPSS version 25 application. The results of this study show that the quality service and price partially have a positive and significant effect on purchasing decisions. Service quality and price together (simultaneously) have a positive and significant effect on purchasing decisions.
Analysis of Wages in Improving Employee Performance at PT. Gunung Melayu - Asian AGRI Putri Ardyanti, Cici; Yenni Samri Juliati Nasution; Nurwani
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 1 (2024): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

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

Abstract

Employees are a very important role in the company PT Gunung Melayu - Asian Agri to increase the production that the company wants to achieve. Labor is the second most important factor of production, because it is through the services of labor that natural resources can be converted into valuable products. There are attributes that exist and are related to work. This study aims to determine wages in improving employee performance at PT Gunung Melayu Asian Agri. This research was conducted using a qualitative method with data collection methods using interviews, observation and documentation. The data sources used are primary data and secondary data. The results of this study indicate that wages can improve employee performance. Where wages, both in the form of bonuses and basic wages can improve employee performance.
Co-Authors A. Chalil Gibran Ade Purnama, Eftry Ade Trya Amelia Aditya Gede Pratama Agustina, Della Alfian, Ryan Allif Ansy, Dayat Aslam Arya Wiranugraha Ayu Lestari Chuzaimah Batubara, Chuzaimah Emriana Parapat Fadillah Pratiwi S Fatimah Ferdyansyah Hernianti Harun Hidayat, Vabella Maharani Ihlazul Amal Inda Fadhila Rahma, Tri Indriyani, Heny Irham, Mawaddah Jannaah, Nurul Laylan Syafina Lestari Nasution, Annio Indah Masrifah, Putri Muh. Nurdiansyah Muhammad Arif Muhammad Syahbudi muhammad Syahbudi, muhammad Muliati Mustapa  Khamal  Rokan Nabila Maghfira Nabila, Alya Niatullah Aliyati, Nini Nst, Nur Kamelia Nur Afni Asnia Nurbaiti Nursanti Yanti Nursantri, Yanti Nurul Fadillah Nurwani, Ahmad Dahrul Dalimunthe Pane, Aulia Ramadani Putri Ardyanti, Cici Putri, Sri Eka Raoda Riski Hidayat, Simanjuntak Sariana Damis Siti Aisyah Sri Ramadhani Suherman, Suherman Sumardi SUSANTI Sutantri, Intan Dinda Tuti Anggraini Wahida Hi. Amier Yadi Arodhiskara, Yadi Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yenni Samri Juliati Nst Yudi Bimantaka Zainarti