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All Journal E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Ihtiyath : Jurnal Manajemen Keuangan Syariah Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) AJAD : Jurnal Pengabdian kepada Masyarakat Journal of International Conference Proceedings International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Jurnal Solusi Masyarakat (JSM) Aksi Kita: Jurnal Pengabdian Kepada Masyarakat
Khairisma, Khairisma
Universitas Malikussaleh
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 Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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Eksistensi Bank Aceh Pasca Konversi Terhadap Kesejahteraan Masyarakat Aceh Yoesrizal Muhammad Yoesoef; Khairisma Khairisma
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v8i2.3108

Abstract

AbstrakPenelitian ini bertujuan untuk mengetahui perkembangan produk pembiayaan Bank Aceh dan pengaruh produk pembiayaan Bank Aceh setelah dikonversi ke sistem Syariah terhadap kesejahteraan masyarakat Aceh. Penelitian ini merupakan jenis penelitian gabungan dengan pendekatan kuantitatif menggunakan sampel 101 orang dari jumlah nasabah Bank Aceh. Hasil penelitian memnyimpulkan bahwa,pertama, Bank Acehtelah mempunyai produk-produk pembiayaan murabahah (produk pembiayaan multi guna, konsumer, pembiayaan pensiun, pembiayaan mikro); pembiayaan musyarakah (pembiayaan rekening koran syariah, pembiayaan kontruksi dan pembiayaan mikro) dan pembiayaan mudharabah. Kedua, eksistensi Bank Aceh setelah dikonversi menjadi bank syariah berpengaruh positif terhadap kesejahteraan masyarakat Aceh. Selain itu, produk pembiayaan murabahanmerupakan produk yang paling banyak diminati sebanyak 64%, nilai ini berbanding terbalik dengan akad kerjasama produk lainnya. Namun, nilai positif yang diberikan kepada Bank Aceh menunjukkan bahwa produk murabahah dapat meningkatkan kesejahteraan masyarakat Aceh meskipun banyak masyarakat berminat terhadap pembiayaan mudharabah dan qardul hasan. Abstrac The purpose of this research is toknow Aceh Bank financing product development and to explore Aceh Bank financing product after converting to the sharia system for Acehnese prosperity.Thi research is a combination research with qualitative research approach by 101 sample. The research result shows that, first Aceh Bank has had murabahah financing (multifunction financing product, consumer, pension financing, micro financing); musyarakah financing (sharia bank statement financing, islamic real estate financing, and micro financing); and mudharabah financing. The second. This research also found that Aceh bank Existence after converting has become a bank which has given a positive influence for Acehnese prosperity.Furthermore, murabahah is the most widely used financing product at 64%. However, the given positivity to Sharia Aceh Bank shows that murabahah product has resulted in Acehnese prosperity even though a lot of people prefer to take mudharabah and qardul hasan financing product. 
Determination of Business Performance, Human Resources Competence, and Utilization of Accounting Information Technology on Financial Management in Aceh Province Hendra Raza; Nazaina Nazaina; Khairisma Khairisma
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 1 (2022): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i1.3744

Abstract

Micro, Small and Medium Enterprises (MSMEs) in Indonesia are priorities in national economic development. This study aims to determine the effect of perception, level of education and socialisation as well as the driving factors for the application of financial accounting standards for micro, small and medium entities (determination of business performance, competence of human resources, and the use of accounting information technology on financial management of MSMEs in Aceh Province). MSMEs contributed the largest trade sector, as much as 46.17%, with a workforce distribution of 31.81%, which is one of the drivers of the people's economy and supports the Indonesian economy. In business, decision making must be rational and based on available information. It shows the importance of knowledge related to communication and capable human capable humans' decisions. This research design is descriptive and quantitative. This research was conducted on Micro, Small, and Medium Enterprises t is active in Aceh Province. Based on the study results, t can draw is that business performance has a significant effect on financial competence and has a substantial impact on the financial management of Micro, Small and Medium Enterprises. Accounting information technology has a considerable effect on the financial management of Micro, Small and Medium Enterprises.
THE SAMSARAH EXISTENCE IN ACEH FROM A MORALITY PERSPECTIVE: THE ISLAMIC ECONOMICS AND THE FREEDOM OF CONTRACT PRINCIPLE Khairisma Khairisma
E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Vol 23, No 1 (2022): April
Publisher : Faculty of Economics and Business, Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (312.2 KB) | DOI: 10.29103/e-mabis.v23i1.804

Abstract

This study aims to determine the concept of samsarah or agency in Islamic Economics and the Principle of Freedom of Contract. The research method is descriptive qualitative research using literature or library research (library research) data sources. The research approach uses a normative approach using primary and secondary data to examine the ideals of the Islamic Economic and the Principle of Freedom of Contract conception and then analyze how it is applied to the agency existence determination. The results showed that the issue arises from the fee method that the agent perceived. Islamic Economic and the Principle of Contract Freedom chance agents to harm sellers and buyers for a financial loss through fraud. However, the Principle of Freedom of Contract in the Criminal Code provides more substantial legal assurance for all parties in the contract. The author's observation shows that setting up the percentage of the commissionbased the Freedom of Contract Principal model will cope with the agency disruption
THE ROLE OF WADIAH DEMAND DEPOSITS AND OPERATING INCOME ON THE NET INCOME PERFORMANCE OF SHARIA CENTRAL ASIA BANK (BCA) Khairisma; Mutia Dara Fonna; Yoesrizal Muhammad Yoesoef
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 7 No. 1 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i1.1637

Abstract

This study looks at how operational revenue and wadiah demand deposits affect Bank Central Asia's (BCA) Syariah's net profit between 2016 and 2021. A total of 72 data points from monthly financial data reports from this time period make up the sample. The analysis uses the data analysis method known as Structural Equation Modeling-Partial Least Squares (SEM-PLS). Examining the connections between wadiah demand deposits, operating income, and net profit at BCA Syariah was the goal of this study. Customers who use wadiah demand deposits entrust their money to the bank for safekeeping as a particular kind of Islamic banking deposit. On the other side, operating income indicates the revenue from BCA Syariah's primary operational activities. The study offers important insights into the relationship between these variables by using SEM-PLS analysis. The findings show that wadiah demand deposits do not considerably affect net profit, proving that changes in these deposits do not significantly affect the profitability of the bank as a whole. But the study shows a statistically significant link between operational income and net profit. This result implies that variations in BCA Syariah's operating income have a direct impact on the company's net profit.
Strategi Peningkatan Mutu dan Keamanan Produk Olahan Melalui Pelatihan Good Manufacturing Practice (GMP) pada UKM Piyasan Nanggroe Kabupaten Aceh Utara Khairisma; Fuadi; Puspitaningrum, Rani; Falahuddin; Juanda, Reza; Sinta, Irada; Khairani, Aulia Febri; Mirna; Ayu, Sari
AJAD : Jurnal Pengabdian kepada Masyarakat Vol. 3 No. 3 (2023): DECEMBER 2023
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ajad.v3i3.218

Abstract

Community Engagement activities were conducted in Gampong Matang Meunye, Aceh Utara District, with a focus on the development of Micro, Small, and Medium Enterprises (MSMEs) represented by the UKM Piyasan Nanggroe group. This group possesses expertise in producing high-quality dried bananas, referred to as "pisang gintong," and aspires to scale up production extensively. The objective of this Community Engagement was to provide support in enhancing production and business legality, particularly in the realm of business management, encompassing business motivation, financial recording, and digital marketing. Furthermore, this endeavor aimed to elevate product quality by implementing Good Manufacturing Practices (GMP) with hygienic and efficient standards and introducing processed banana products using state-of-the-art processing technology that is more hygienic and healthier while leveraging local resources. The implementation of the activities comprised three stages: preparation, program execution, and evaluation. The preparation phase encompassed pre-surveys, team formation, proposal development and submission, team and partner coordination, and the preparation of training materials. The program execution stage involved disseminating information and conducting discussions to impart knowledge in business management, digital marketing, and GMP practices. The evaluation and reporting phase ensured the success of the program. After the program, it is anticipated that MSME entrepreneurs within the UKM Piyasan Nanggroe group will experience increased production capacity, a better understanding of the importance of sound financial record-keeping, the implementation of marketing strategies through labels (Halal and branding), and the adoption of hygienic standard processing technology. This article aims to provide practical guidance for MSME entrepreneurs in enhancing their quality and competitiveness.
Balancing the Scales: Navigating Benefits and Risks in Indonesia's Sharia FinTech Landscape Lubis, Hikmah Adelia Zuhri; Khairisma, Khairisma; Puspitaningrum, Rani; Ichsan, Ichsan
Journal of International Conference Proceedings Vol 6, No 5 (2023): 2023 UICEB Papua Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i5.2843

Abstract

This research provides a thorough literature analysis to clarify the dynamics of advancing financial technology that complies with Shariah for inclusive development and implementing broad surveillance in Indonesia. The objective is to provide a qualitative review of the current studies to offer insightful perspectives on the growth and risks related to Shariah FinTech. This study integrates a library research approach with a qualitative research methodology. The literature results suggest that Shariah-compliant FinTech is being more widely used in Indonesia, demonstrating its advantages and disadvantages. This literature-based study advances our understanding of the complex balance needed for the ethical and sustainable development of Indonesia's developing Shariah FinTech sector.
MARKET INVESTING DESIRE ON SHARIA CAPITAL MARKET: REASON DISCOVERY ON LHOKSEUMAWE COMMUNITY khairisma, Khairisma; Surya, Nada; Sari, Cut Putri Mellita; Yoesoef, Yoesrizal Muhammad
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 6 No 2 (2022): Volume.6 No. 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v6i2.4958

Abstract

MARKET INVESTING DESIRE ON SHARIA CAPITAL MARKET Abstract Purpose: This study aims to explore the influence of comprehension and capital, mediated by socialization, on the residents' interest in investing in the Islamic Capital Market in Lhokseumawe. Design/methodology/approach: The research employs a quantitative approach utilizing the SmartPLS application. A questionnaire is used as the measuring instrument, collecting primary and secondary data from a sample population of 130 individuals. Hypothesis testing is conducted to assess the impact of comprehension, capital, and socialization on public interest in Sharia capital market investment. Findings: The results indicate that comprehension, capital, and socialization significantly and positively affect public interest in investing in the Sharia capital market. Socialization, as an intervening variable, also exhibits a positive and significant impact on the community's interest in Islamic capital market investment. Research limitations/implications: The study is confined to the Lhokseumawe community and may not be universally applicable. Additionally, other factors beyond comprehension, capital, and socialization may influence investment decisions. Further research could explore these factors and broaden the scope of the study. Practical implications: Understanding the positive impact of comprehension, capital, and socialization on investment interest suggests that educational initiatives and targeted socialization efforts can enhance community participation in the Sharia capital market. Policymakers and financial institutions can use these findings to develop strategies to promote Islamic capital market investments. Keywords: comprehension; capital; socialization; interest; Sharia capital market KEINGINAN BERINVESTASI DI PASAR MODAL SYARIAH Abstrak Tujuan: Penelitian ini bertujuan untuk mengeksplorasi pengaruh pemahaman dan permodalan yang dimediasi dengan sosialisasi terhadap minat warga untuk berinvestasi di Pasar Modal Syariah di Lhokseumawe. Desain / metodologi / pendekatan: Penelitian ini menggunakan pendekatan kuantitatif menggunakan aplikasi SmartPLS. Kuesioner digunakan sebagai alat ukur, mengumpulkan data primer dan sekunder dari populasi sampel 130 individu. Pengujian hipotesis dilakukan untuk menilai dampak pemahaman, permodalan, dan sosialisasi terhadap minat masyarakat terhadap investasi pasar modal syariah. Kesimpulan: Hasil penelitian menunjukkan bahwa pemahaman, permodalan, dan sosialisasi berpengaruh signifikan dan positif terhadap minat masyarakat untuk berinvestasi di pasar modal syariah. Sosialisasi, sebagai variabel intervening, juga menunjukkan dampak positif dan signifikan terhadap minat masyarakat terhadap investasi pasar modal syariah. Keterbatasan / implikasi penelitian: Penelitian ini terbatas pada komunitas Lhokseumawe dan mungkin tidak dapat diterapkan secara universal. Selain itu, faktor-faktor lain di luar pemahaman, modal, dan sosialisasi dapat mempengaruhi keputusan investasi. Penelitian lebih lanjut dapat mengeksplorasi faktor-faktor ini dan memperluas ruang lingkup penelitian. Implikasi praktis: Memahami dampak positif pemahaman, permodalan, dan sosialisasi terhadap minat investasi menunjukkan bahwa inisiatif edukasi dan upaya sosialisasi yang tepat sasaran dapat meningkatkan partisipasi masyarakat di pasar modal syariah. Pembuat kebijakan dan lembaga keuangan dapat menggunakan temuan ini untuk mengembangkan strategi untuk mempromosikan investasi pasar modal Islam. Kata kunci: pemahaman; modal; sosialisasi; minat; Pasar modal syariah
CULTURAL CAPITAL AND FINANCIAL AWARENESS: ANALYZING STUDENT ENTREPRENEURIAL ASPIRATIONS IN ISLAMIC FINANCE Furqan, Muhammad; Khairisma
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 7 No. 2 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i2.1971

Abstract

This comprehensive research focuses on the complex relationships between entrepreneurial goals among Malikussaleh University business and economics students. This study investigates how Sharia financial literacy and parents' socioeconomic status impact entrepreneurial interest. The research uses primary data collected from a sample of 110 respondents through the distribution of questionnaires. The data was analysed using a multiple linear regression model to produce findings. The study results reveal a positive correlation: parents' socioeconomic status and Sharia financial literacy substantially impact the entrepreneurial motivation of Malikussaleh University students studying business and economics. This suggests that students who are more educated in Sharia financial principles and come from wealthier homes are more likely to be interested in starting their own businesses. These findings affect entrepreneurial education, policy, and academic stakeholders, especially in Islamic finance. Understanding the critical impact of parental socioeconomic status and Sharia financial literacy, educators and policymakers can design interventions to provide a supportive environment for students to pursue their entrepreneurial dreams.
Peningkatan Kesadaran Pemberian ASI Eksklusif Di Desa Tingkeum Kecamatan Nisam Dalam Upaya Pencegahan Stunting Kota Lhokseumawe Andyna, Cut; Ritonga, Nursakinah; Khairisma, Khairisma; Husna, Asmaul; Nazaruddin, M.; Hafni, Nur; Alawi, Muh. Fahrudin
Jurnal Solusi Masyarakat (JSM) Vol. 2 No. 1 (2024)
Publisher : Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/jsm.v2i1.16420

Abstract

This service is carried out as a form of joint responsibility of all parties, in this case academics to play an active role in the Prevention of stunting. This is a support for government programs to significantly reduce stunting cases in Indonesia. One effective effort that can be done is to support exclusive breastfeeding (ASI) in the first 6 months until the age of 2 years. The great benefits of breastfeeding for children's growth and development become one of the government's foundations to make exclusive breastfeeding one of the joint movements implemented in various ministry programs. Failure to breastfeed can cause a shortage of brain cells in children which will then affect the inhibition of the development of infant intelligence at a later stage. This service activity was carried out in several stages; (1) Coordination of preparation for the implementation of activities with Posyandu cadres in Tingkuem Village, nisam District, (2) Implementation of educational activities in the form of socialization on the importance of exclusive breastfeeding with several groups of pregnant and lactating women. This service is expected to increase the knowledge of mothers consisting of groups of pregnant women, nursing mothers and parents regarding exclusive breastfeeding and balanced nutrition for pregnant and lactating women.
Balancing the Scales: Navigating Benefits and Risks in Indonesia's Sharia FinTech Landscape Lubis, Hikmah Adelia Zuhri; Khairisma, Khairisma; Puspitaningrum, Rani; Ichsan, Ichsan
Journal of International Conference Proceedings Vol 6, No 5 (2023): 2023 UICEB Papua Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i5.2843

Abstract

This research provides a thorough literature analysis to clarify the dynamics of advancing financial technology that complies with Shariah for inclusive development and implementing broad surveillance in Indonesia. The objective is to provide a qualitative review of the current studies to offer insightful perspectives on the growth and risks related to Shariah FinTech. This study integrates a library research approach with a qualitative research methodology. The literature results suggest that Shariah-compliant FinTech is being more widely used in Indonesia, demonstrating its advantages and disadvantages. This literature-based study advances our understanding of the complex balance needed for the ethical and sustainable development of Indonesia's developing Shariah FinTech sector.
Co-Authors Agustinawati Andyna, Cut Asmaul Husna Ayu, Sari Cut Putri Mellita Sari Fadhilah Faisal, Mhd Falahuddin Falahuddin, Falahuddin Fanny Nailufar Fanny Nailufar Figo Yori Dareza Fuadi Fuadi Fuadi Hayati, Husna Hendra Raza Hijri Juliansyah Ichsan Ichsan Irada Sinta Juanda, Reza Khairani, Aulia Febri Lubis, Hikmah Adelia Zuhri M. Nazaruddin, M. Mardiaton, Mardiaton Mirna Muh. fahrudin Alawi Muhammad Fazlurrahman Syarif Muhammad Furqan, Muhammad Muhammad Mirza Amanda Muhammad Yoesoef, Yoesrizal Mukhlish Muhammad Nur Munardi Munardi Munardi Mutia Dara Fonna Mutia Rahmah Nazaina Nazaina Noviami Trisniarti Nur Hafni Nurmalita Sari, Dina Puspitaningrum, Rani Putri Mellita Sari, Cut Rani Puspita Ningrum Rini Rosita Ritonga, Nursakinah Sari, Cut Putri Mellita Surya, Nada Syarif, Muhammad Fazlurrahman Tarmizi Abbas Trisniarti, Noviami yoesoef, yoesrizal muhammad Yoesrizal Muhammad Yoesoef Yoesrizal Muhammad Yoesoef Yulis Terfiadi, Sari Zulfahmi Zulfahmi