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All Journal JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia Jemasi Jurnal Ekonomi Manajemen dan Akuntansi Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam Jurnal Ilmiah Manajemen Kesatuan Jurnal Ekobis : Ekonomi Bisnis & Manajemen International Journal of Business, Law, and Education Journal of Community Service and Engagement Journal of Indonesian Islamic Studies Inkubis: Jurnal Ekonomi dan Bisnis International Journal of Entrepreneurship, Business, and Creative Economy Sanskara Akuntansi dan Keuangan Indonesian Journal of Advanced Social Works (DARMA) Madani: Multidisciplinary Scientific Journal Jurnal Kabar Masyarakat West Science Interdisciplinary Studies West Science Interdisciplinary Studies West Science Social and Humanities Studies Jurnal Pengabdian Masyarakat dan Riset Pendidikan International Journal of Community Engagement and Development
Febrina, Ilza
Universitas Teknologi Muhammadiya Jakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Neuroscience Physics Public Health Social Sciences Other

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Sosialisasi Membangun Kesadaran Literasi Keuangan Pada Pemuda Karang Taruna RW 07 Kelurahan Rempoa Kecamatan Ciputat Timur Viniyati Maftuchach; Abdul Rahman; Supriatiningsih; Hidayat Darwis; Ilza Febrina
Journal of Community Service and Engagement Vol. 1 No. 03 (2021): December 2021
Publisher : CV. AGUSPATI RESEARCH INSTITUTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9999/jocosae.v1i03.26

Abstract

Pengabdian Masyarakat ini bertujuan meningkatkan kesadaran literasi keuangan pada generasi milenial, khususnya pada remaja karang taruna RW 07, Kelurahan Rempoa, Kecamatan Ciputat Timur, Tangerang Selatan, dan memberikan pengetahuan tentang mengelola keuangan sejak dini pada generasi millennial, sehingga diharapkan saat usia dewasa kelak, para remaja karang taruna RW 07, Kelurahan Rempoa, Kecamatan Ciputat memiliki strategi keuangan yang baik dan memiliki kemampuan untuk meraih kesuksesan. Fenomena saat ini perilaku generasi millennial yang mengedepankan pola hidup konsumtif (lifestyle) yang tidak sesuai dengan pendapatan yang diperoleh, yang pada akhirnya akan menyebabkan mengalami latte factor (kebiasan receh), selain itu, kehidupan remaja saat ini, sangat dimanja oleh fasilitas teknologi yang berkembang pesat, sehingga mengurangi ruang sosialisasi dan komunikasi di masyarakat. Pelaksanaan pengabdian masyarakat ini dilakukan dengan pemberian materi secara tatap muka, peserta dapat bertanya secara langsung dengan tetap menjaga prosedur kesehatan yang ketat di masa pandemi ini. Pada akhir kegiatan dilakukan dengan sesi tanya jawab sebagai bentuk evaluasi atas pemahaman materi yang telah disampaikan. Hasil kegiatan pengabdian masyarakat ini, para peserta merasa mampu mengelola keuangannya menjadi lebih baik.
PENGARUH KUALITAS PELAYANAN TERHADAPKEPUASAN KONSUMEN DAN DAMPAKNYA TERHADAP BRAND IMAGE Ilza Febrina; Lisa Nurlitasari; Lela Nurlaela Wati
Jurnal Ekobis : Ekonomi Bisnis & Manajemen Vol. 11 No. 2 (2021): Jurnal Ekobis: Ekonomi Bisnis dan Manajemen
Publisher : Universitas Teknologi Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37932/j.e.v11i2.402

Abstract

ABSTRAKPenelitian ini bertujuan untuk menguji pengaruh kualitas pelayanan terhadap kepuasan konsumen dan dampaknya terhadap brand image pada PT Bank Mayapada Internasional, Tbk Cabang Menara Topas Jakarta Pusat. Sampel dalam penelitian ini sebanyak 105 nasabah. Analisis data yang digunakan adalah Structural Equation Modeling (SEM). Hasil penelitian secara empiris menunjukkan bahwa kualitas pelayanan berpengaruh positif dan signifikan terhadap kepuasan nasabah, sehingga ketika kualitas pelayanan meningkat maka kepuasan nasabah pun akan meningkat. Kepuasan nasabah berpengaruh positif dan signifikan terhadap brand image, sehingga ketika kepuasan nasabah meningkat maka brand image yang ditampilkan perusahaan pun akan meningkat. Kualitas pelayanan berpengaruh negatif dan tidak signifikan terhadap brand image, artinya kualitas pelayanan bukan merupakan factor penentu brand image. Pengujian tidak langsung kualitas pelayanan terhadap brand image melalui kepuasan nasabah berpengaruh positif dan signifikan. Bukti empiris ini menunjukkan bahwa kualitas pelayanan tidak dapat mempengaruhi brand image secara langsung, namun melalui kepuasan nasabah. Hasil penelitian ini mendukung teori Service Quality, semakin baik kualitas pelayanan maka nasabah akan semakin puas sehingga menimbulkan kesan yang baik terhadap perusahaan. Penelitian ini berbeda dengan peneliti sebelumnya karena menguji pengaruh langsung dan tidak langsung secara komprehensif dengan menggunakan second order confirmatory.  Kata Kunci: Kualitas pelayanan, kepuasan konsumen dan  brand image           ABSTRACTThis study aims to analyze the empirical evidence of the influence of service quality on customer satisfaction and its impact on brand image at PT Bank Mayapada Internasional, Tbk Menara Topas Central Jakarta Branch. The sample in this study were 105 customers. Analysis of the data used is Structural Equation Modeling (SEM). Empirical research results show that service quality has a positive and significant effect on customer satisfaction, so that when service quality increases, customer satisfaction will increase. Customer satisfaction has a positive and significant effect on brand image, so that when customer satisfaction increases, the brand image displayed by the company will increase. Service quality has a negative and not significant effect on brand image, meaning that service quality is not a determining factor for brand image. Indirect testing of service quality on brand image through customer satisfaction has a positive and significant effect. This empirical evidence shows that service quality cannot affect brand image directly, but through customer satisfaction. The results of this study support the Service Quality theory, the better the service quality, the more satisfied customers will be, thus creating a good impression on the company. This study is different from previous researchers because it examines the direct and indirect effects comprehensively by using second order confirmatory.so that when service quality increases, customer satisfaction will increase and will improve the brand image displayed by the company.Keywords: Service quality, customer satisfaction and brand image
DETECTING FRAUD FINANCIAL STATEMENTS IN MANUFACTURING COMPANIES INDONESIA Budiandru Budiandru; Zakkiandri Zakkiandri; Basyiruddin Nur; Yeni Elfiza Abbas; Ilza Febrina
Jemasi: Jurnal Ekonomi Manajemen dan Akuntansi Vol 18 No 2 (2022): JEMASI: Jurnal Ekonomi, Manajemen, dan Akuntansi
Publisher : Fakultas Ekonomi Universitas IBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35449/jemasi.v18i2.544

Abstract

The purpose of this research is toand analyze the influence of the four elements infraud triangle that is pressure, opportunity, and rationalization. to detect the possibility of fraudulent financial statements (financial statement fraud). The four elements will be divided into 5 variables, specifically financial stability,external pressure, ineffective monitoring, nature of industry, and change in auditors.to find the possibility of fraudulent financial statements as measured by the M Score modelin manufacturing companiesin the 2018-2021 period. The results of the study show that of the six variables used in the study, there is one (1) variable, namely the nature of the industry which has a significant effect on the possibility of fraudulent financial statements. While the other five (5) variables financial targets, external pressure, ineffective monitoring, and auditor changes do not affect the likelihood of fraudulent accounts. The contribution of the results of this our riset that manufacturing companies in that year are likely to be more concerned or careful the nature of industry that has a significant impact, this will affect the sustainability of the business in the future.
Financial Literacy: Investing in Gold as a Low-Risk Investment Peggy Ratna Marlianingrum; Ilza Febrina; Lela Nurlaela Wati; Ali Fahmi; Evi Adriani; Nurwaidah; Andri Armaenah
Indonesian Journal of Advanced Social Works Vol. 2 No. 3 (2023): June 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/darma.v2i3.5386

Abstract

Good financial planning and management and selecting the right investment are important aspects in optimizing financial resources in preparation for the future. The ability to manage income for migrant workers must be able to allocate it to the right form of investment. The purpose of this community service is so that migrant workers in Malaysia have good financial literacy knowledge and are able to choose the right investment instruments after the pandemic and face the coming recession. The results of the posttest given show that their understanding increases after the presentation of the material, they can manage finances and allocate income and are more careful in choosing gold investments that are widely circulating in the market.
Financial Literacy Education for Students of Learning Center At-Tanzil Ampang Kuala Lumpur, Malaysia Ilza Febrina; Lela Nurlaela Wati; Ramdany Ramdany; Ahmad Darda; M. Lutfi; Budi Andru; Octavia Handayani; Ade Irma Rismala; Mita Apriliasari
International Journal of Community Engagement and Development Vol. 1 No. 3 (2023): October : International Journal of Community Engagement and Development
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/ijced.v1i3.17

Abstract

The Financial Services Authority (OJK), in collaboration with the ministries and Financial Services Institutions, continues to synergize efforts in the "Let's Save" campaign. This initiative is part of the government's commitment to enhance financial literacy among the public and foster a savings culture from an early age. Therefore, financial literacy education is deemed necessary at the early childhood education level, both domestically and internationally. As part of this educational outreach, financial literacy education was provided to students at one of the learning centers, namely sanggar belajar (SB) At Tanzil Ampang Malaysia, under the coordination of the Indonesian School Kuala Lumpur, Malaysia. The objective of this activity is to increase awareness and understanding among children regarding the significance of early savings, instill good financial habits, and enable them to identify and distinguish between wants and needs. The methodology employed involves lectures on the importance of early savings and interactive question-and-answer sessions. The participants exhibited great enthusiasm throughout the program. This Community Service Program yields benefits for the students, as possessing knowledge of sound financial literacy is expected to encourage a desire for savings intensely within their minds and reflect in their daily behaviour.
Pelatihan Penyusunan Laporan Keuangan dalam Meningkatkan Pengetahuan SDM pada Pondok Pesantren Al-Uzlah Madinatul Quran Budiman Abdulah; Ramdany Ramdany; Ridwan Saleh; Ilza Febrina; Muhammad Syahdam
Jurnal Kabar Masyarakat Vol. 2 No. 4 (2024): November : JURNAL KABAR MASYARAKAT
Publisher : Institut Teknologi dan Bisnis Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jkb.v2i4.2692

Abstract

This community service aims to provide an understanding in preparing financial reports properly and correctly at the AL-UZLAH MADINATUL QUR'AN Islamic Boarding School. The problem faced by partners in this program is the problem of human resource capabilities in managing financial data into financial reports. The method of implementing this entrepreneurship-based empowerment uses the Participatory Action Research (PAR) method, starting from the socialization stage at the beginning of the community service activity, in the form of providing information to partners/communities about the community service activities to be carried out, the objectives of the activity, the stages of implementing the activity, and the schedule for implementing the activity based on an agreement between the proposing team and partners, the next stage is training and mentoring and evaluation of the activity. The results of the activity showed an increase in partner knowledge regarding the preparation of financial reports before and after training.
Hisbah in the Context of Shariah Governance in Islamic Finance: A Comparison Between Indonesia and Malaysia Febrina, Ilza; Abdulah, Budiman
Jurnal Ilmiah Manajemen Kesatuan Vol. 12 No. 6 (2024): JIMKES Edisi November 2024
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v12i6.2957

Abstract

The Role of Hisbah has been more essential in contemporary world in promoting Ethical Values and Justice in the Society. In Islamic finance setting, the role of  Hisbah has been increasingly relevant in modern financial governance especially to ensure that its operation align with the ethical standards  and Shariah principles. This paper is aimed to overview the concept and urgency of Hisbah and several related major issues such as Core values of the  Shariah governance framework (SGF) in Islamic Finance, at last to further discuss the SGF’s comparison between Malaysia and Indonesia. The paper adopts  a descriptive approach to examine the role of Hisbah in Islamic Finance specifically in the context of SGF. The data, sourced from various journals and books were collected and analysed to find the conclusion  regarding the role of Hisbah in promoting adherence to Sharia principles in contemporary Islamic Finance and a brief comparative overview of SGF between Malaysia and Indonesia. The findings of the paper highlight  that Malaysia's Shariah governance framework is characterized by a centralized, standardized approach with compliance mechanisms strictly enforced through BNM and SAC to ensure consistency. In contrast, the Indonesian framework is more flexible.  the DSN-MUI gives guidance for IFIs as an independent body that exercise their discretion in interpreting Shariah rulings. These two approaches represent the level of regulatory priorities and development aspects of Islamic finance in each country.
The Effect of Hedging Strategy, Exchange Rate Fluctuations, and Credit Risk on the Financial Stability of Multinational Companies in Jakarta Judijanto, Loso; Kaswoto, Junet; Febrina, Ilza
West Science Social and Humanities Studies Vol. 3 No. 03 (2025): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v3i03.1753

Abstract

This study investigates the impact of hedging strategies, exchange rate fluctuations, and credit risk on the financial stability of multinational companies in Jakarta. Employing a quantitative approach, data were collected from 140 respondents using a Likert scale (1–5) and analyzed using Structural Equation Modeling - Partial Least Squares (SEM-PLS). The findings reveal that all three factors significantly influence financial stability, with exchange rate fluctuations exerting the strongest effect, followed by hedging strategies and credit risk. The results underscore the importance of robust financial risk management practices in mitigating external uncertainties and ensuring corporate sustainability. This study offers valuable insights for corporate managers and policymakers in fostering financial resilience amidst volatile market conditions.
Penerapan Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) dalam Audit Syariah dan Kepercayaan Investor di Indonesia Respatiningsih, Inneke; Sasmita, Djenni; Febrina, Ilza; Wijaya, Muhamad Rizky; Sudarmanto, Eko
Sanskara Akuntansi dan Keuangan Vol. 3 No. 03 (2025): Sanskara Akuntansi dan Keuangan (SAK)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/sak.v3i03.553

Abstract

Penelitian ini mengeksplorasi dampak dari standar Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) dan kualitas audit syariah terhadap kepercayaan investor pada lembaga keuangan syariah di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan sampel sebanyak 95 responden, menggunakan skala Likert dan menganalisis data menggunakan Structural Equation Modeling (SEM-PLS 3). Temuan penelitian mengungkapkan bahwa penerapan standar AAOIFI dan kualitas audit syariah berpengaruh positif dan signifikan terhadap kepercayaan investor. Secara khusus, kepatuhan terhadap standar AAOIFI berkontribusi dalam meningkatkan transparansi dan kredibilitas lembaga, sementara audit Syariah yang berkualitas tinggi berfungsi sebagai mekanisme penting untuk memastikan kepatuhan Syariah dan menumbuhkan kepercayaan investor. Hasil penelitian ini menggarisbawahi peran yang saling melengkapi dari kedua faktor tersebut dalam memperkuat kepercayaan terhadap sektor keuangan syariah di Indonesia. Studi ini memberikan wawasan yang berharga bagi para regulator, lembaga keuangan, dan investor, yang menunjukkan bahwa kerangka kerja peraturan dan praktik audit yang kuat sangat penting untuk meningkatkan kepercayaan dan menarik investasi di sektor keuangan syariah.
Strategi Ekonomi Kreatif dalam Meningkatkan Daya Saing Produk UMKM: Pengabdian Arniwita; Febrina, Ilza; Rachmania, Dewi; Rahman, Kristanti; Sasmita, Djenni; Zulaecha, Hesty Erviani; Sudarmanto, Eko
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 3 No. 4 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 3 Nomor 4 (April 2025
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v3i4.652

Abstract

The Community Service activity themed "Creative Economy Strategies in Enhancing the Competitiveness of MSME Products" was conducted online via the Zoom platform on May 10, 2025. This initiative aimed to enhance participants’ understanding of the concepts and applications of the creative economy in MSME product development, to encourage ethics-based innovation, and to strengthen networking among members of the SSQ Community. The event was enthusiastically attended by more than 90 participants, comprising alumni of the Certified Business in Quran (CBsQ) and Certified Management in Quran (CMtQ) programs, as well as MSME practitioners and members of the general public. Dr. Arniwita, MM, from Universitas Muhammadiyah Jambi, served as the keynote speaker, delivering a presentation on strategies for product diversification, creative branding, digitalization, and inter-MSME collaboration. The outcomes of this activity indicated that participants gained new insights into the importance of innovation in enhancing competitiveness, were motivated to adopt creative economy concepts in their enterprises, and established a communication forum for business collaboration. This program is expected to serve as an initial step in building a creative, innovative, highly competitive, and sustainable MSME ecosystem at both national and international levels.
Co-Authors Abdul Rahman Abdulah, Budiman Ade Irma Rismala Ahyar Ahyar Ali Fahmi Andri Armaenah Arniwita, Arniwita Basyiruddin Nur Bhaswarendra Guntur Hendratri Budi Andru Budiandru Budiandru Darda, Ahmad Darwis, Hidayat Dewi Nidia Soepriadi Eko Sudarmanto Evi Adriani Fadilla Muhammad Mahdi Fadilla Muhammad Mahdi Fatkhur Rohman Albanjari Guruh Marhaenis Handoko Putro Harimurti Wulandjani Heny Fitriani Ingkak Chintya Wangsih Isa Amsyari Judijanto, Loso Junet Kaswoto Junet Kaswoto Kaswoto, Junet Khotijah, Nur Kurniawan Kurniawan Lembong, Herningsih Sutri Lisa Nurlitasari M. Adhitya Wardhana M. Lutfi Maftuchach, Viniyati Mamdukh Budiman Marlianingrum, Peggy Ratna Mas Sridjoko Darodjatun Mayasari, Eny Mita Apriliasari Mohamad Ridwan Mohammad Saiful Rifai Mohammad Saiful Rifai Muhamad Rizky Wijaya Muhammad Syahdam Muhammad Syaiful Mukhamad Rinda Rifa'i Nurkamariah Nurkamariah Nurwaidah Octavia Handayani Puti Khairani Rijadi Rachmania, Dewi Rahman, Kristanti Ramdany, Ramdany Respatiningsih, Inneke Ridwan Saleh Samsiar Samsiar Samsul Anwar Sasmita, Djenni Siti Mahfuzah Zubir Suci Mulyati Supriatiningsih Syafwan Syafwan Tanto Adi Pangestu Toto Sugihyanto Triana Zuhrotun Aulia Tundu, Astrid Kristiana Wati, Lela Nurlaela Yeni Elfiza Abbas Zaenudin Zakkiandri Zakkiandri Zulaecha, Hesty Erviani