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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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ISLAMIC FINTECH'S ROLE IN SUSTAINABLE FINANCE: EMPOWERING WOMEN IN ACEH Khairisma; Mukhlish Muhammad Nur; Mardiaton; Muhammad Fazlurrahman Syarif; Muhammad Mirza Amanda; Rini Rosita
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 4 No. 4 (2024): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v4i4.2385

Abstract

This research examines the influence of Islamic Fintech as inclusive finance on sustainable finance in the Aceh province, with women’s empowerment as a moderating variable. The research approach used is quantitative, utilizing multiple regression analysis (MRA) for the linear regression model. The research methodology involves several steps, including data observation, identifying key issues, setting research objectives, literature review, data collection, data processing, results analysis, and research evaluation. The study aims to investigate the extent to which the existence of Islamic Fintech contributes to sustainable financial development in Aceh. Additionally, the research focuses on women's empowerment as a moderating variable, specifically its impact on the relationship between Islamic Fintech and sustainable finance. By employing a quantitative approach, this study seeks to generate empirical evidence that can provide an in-depth understanding of the influence of Islamic Fintech on sustainable finance and to evaluate whether women’s empowerment can moderate this relationship. The research findings show that Islamic Fintech significantly impacts sustainable finance, while women’s empowerment does not moderate the relationship between Islamic Fintech and sustainable finance.
Strategic Implementation of Multipurpose Financing in Islamic Banking Khairisma; Muhammad Yoesoef, Yoesrizal; Putri Mellita Sari, Cut; Nailufar, Fanny; Andyna, Cut
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 9 No. 1 (2025): 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.v9i1.6431

Abstract

This study explores the strategic implementation of multipurpose financing at Bank Aceh Syariah Bireuen Branch using a qualitative descriptive approach with a SWOT analytical framework. Six informants were involved, consisting of three bank staff and three customers selected purposively based on their relevance to the financing process. Data were collected through interviews, observations, documents, and questionnaires, then analyzed using IFAS–EFAS matrices to identify internal and external strategic factors. The results show that the branch is positioned in SWOT Quadrant II, indicating strong internal capabilities amidst significant external threats. Key strengths include sharia-compliant financing, responsive service, and wide community trust, while the main challenges stem from limited product variety, modest promotion, and rising competition from national Islamic banks with advanced digital platforms. Based on the SWOT positioning, the study recommends prioritizing feasible strategies such as product diversification, digital development, and customer-centered outreach. This study contributes to the discourse on Islamic regional banking by offering a contextualized, branch-level analysis of strategy formulation. Future research is encouraged to involve more branches and diverse stakeholders to expand the applicability of findings.
Pelatihan Pembuatan Miy-U: Pemanfaatan Potensi Kelapa Secara Berkelanjutan Trisniarti, Noviami; Khairisma; Muhammad Yoesoef, Yoesrizal; Figo Yori Dareza
Aksi Kita: Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 4 (2025): AGUSTUS
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/7e51ky22

Abstract

Desa Panton Rayeuk II, Kecamatan Kuta Makmur, Kabupaten Aceh Utara memiliki potensi kelapa yang belum dimanfaatkan secara optimal. Banyak buah kelapa yang dibiarkan membusuk karena masyarakat belum memiliki keterampilan teknis untuk mengolahnya menjadi produk bernilai ekonomi. Kegiatan pengabdian ini bertujuan untuk meningkatkan kemampuan masyarakat dalam mengolah kelapa menjadi minyak kelapa murni (Miy-U) dengan metode sederhana. Pelaksanaan kegiatan dibagi menjadi tiga tahap: pra pelaksanaan (observasi dan koordinasi), pelaksanaan (pelatihan teknik produksi minyak kelapa), dan evaluasi (refleksi dan penilaian pemahaman peserta). Hasil kegiatan menunjukkan bahwa sebanyak 25 warga terlibat aktif dalam pelatihan dan berhasil memproduksi sekitar 30 botol Miy-U ukuran 250 ml. Sebanyak 80% peserta memahami proses pembuatan dengan baik dan enam orang menyatakan minat untuk memproduksi Miy-U secara mandiri. Kegiatan ini menunjukkan keberhasilan dalam mentransfer keterampilan serta mendorong pemanfaatan potensi lokal secara produktif.
EMPOWERING STUDENTS FOR THE JOB MARKET: INSIGHTS FROM A CV ENHANCEMENT PROGRAM Fanny Nailufar; Khairisma; Cut Putri Mellita Sari; Yoesrizal Muhammad Yoesoef; Mukhlish Muhammad Nur; Agustinawati; Munardi
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 4 No. 3 (2024): November 2024 - February 2025
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v4i3.2162

Abstract

In the era of intense global competition, university students face significant challenges in entering the professional workforce. Recognizing this, a community engagement program was implemented at the Faculty of Economics and Business, Universitas Malikussaleh, focusing on enhancing students' skills in crafting effective curriculum vitae (CV). This program aimed to address gaps in understanding CV structures, integrating relevant skills, and optimizing content for specific industries. Through workshops, individual mentoring, and access to modern CV templates, students were trained to create professional, visually appealing CVs tailored to industry standards. The initiative demonstrated a positive impact, increasing students' awareness, confidence, and preparedness to compete in the job market. This program serves as a model for bridging the gap between academic learning and professional readiness, contributing to the development of competitive graduates ready for global opportunities.
PRESERVING ACEH CULTURE THROUGH RANUP MAKING TRAINING: A LOCAL WISDOM-BASED COMMUNITY SERVICE PROGRAM FOR TEENAGE GIRLS Fanny Nailufar; Noviami Trisniarti; Cut Putri Mellita Sari; Khairisma; Fadhilah; Rani Puspita Ningrum
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 4 No. 3 (2024): November 2024 - February 2025
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v4i3.2250

Abstract

The tradition of ranup seulaseh, or ornamental betel, is one of Aceh's cultural heritage that has a deep philosophical meaning as a symbol of honor, togetherness, and love. However, modernization has led to a cultural shift that threatens its sustainability, especially in urban areas. This article discusses community service activities through training to weave ranup seulaseh in Gampong Blang Pulo, Lhokseumawe, which aims to preserve Acehnese culture while empowering women as the main actors of this tradition. The activity method includes interactive discussions, demonstrations, and practices for making ranup seulaseh. The results showed increased participants' understanding of Acehnese cultural values and the skill of assembling ranup seulaseh as a business opportunity. The participants' enthusiasm showed the potential for preserving this tradition to continue to be inherited. This training supports cultural preservation and contributes to women's economic empowerment. Recommendations were given for implementing further training and developing marketing strategies for local cultural products.
EVALUATION OF THE IMPACT OF THE SHARIA MINI BANK LABORATORY ON STUDENT COMPETENCE Yoesoef, Yoesrizal Muhammad; Hayati, Husna; Khairisma, Khairisma; Syarif, Muhammad Fazlurrahman
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 7 No 2 (2024): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v7i2.9507

Abstract

This study aimed to provide an overview concerning the role of the Islamic mini bank laboratory in improving student competence. A qualitative methodology was used comprising field observations, interviews, and document analysis. The results showed that there is a need for improved facilities, additional management members, and public-oriented promotions. Four empowerment models for Islamic mini bank laboratory were identified, with the fourth stage being the most effective in the context of "Mereka Belajar". The impact on the competence of student in Islamic banking has not reached the maximum potential due to the lack of compliance with the latest Islamic mini bank application standards. Therefore, it is very appropriate to have a better laboratory that follows the growth of Islamic banking. Aside from understanding the practice of Islamic mini bank laboratory, student must also be equipped with other competencies needed to compete and work effectively in Islamic banking.
COMPLIANCE ANALYSIS OF TRADERS PAYING ZAKAT WITH ANALYTICAL NETWORKING PROCESS APPROACH IN CENTRAL ACEH DISTRICT Falahuddin, Falahuddin; Fuadi, Fuadi; Munardi, Munardi; Khairisma, Khairisma; Nurmalita Sari, Dina
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.v2i5.415

Abstract

This research is crucial because it is vital to conduct an in-depth study by integrating theoretical and field research addressing the perspectives of business actors in Takengon City on fulfilling their zakat commitments as Muslims. Moreover, whether or not they are obedient, they must pay the commercial zakat. Due to the fact that the majority of Takengon's population adheres to the Islamic faith, the potential is fairly substantial. This study aims to determine whether or not traders who have reached their zakat payment limit are obedient. Research evaluation This is a descriptive study of zakat management organizations, academic institutions, government agencies, and practitioners. The technique employed is a technique of purposive sampling, and the subject of this study is the zakat experts in Baitul Mal Takengon. This study will explain the ways that induce traders to pay zakat dutifully. The results of the study are anticipated to impact future policies that will raise the level of life, support the occurrence of healthy economic growth, and provide a remedy for traders' lack of awareness regarding the payment of their commercial zakat.
THE EFFECT OF INFLATION, INVESTMENT, GOVERNMENT EXPENDITURE AND POVERTY ON ECONOMIC GROWTH IN INDONESIA Juliansyah, Hijri; Faisal, Mhd; Rahmah, Mutia; Khairisma, Khairisma; Yulis Terfiadi, Sari; Abbas, Tarmizi; Zulfahmi, Zulfahmi
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 6 (2022): December
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i6.501

Abstract

This study aims to determine the effect of Inflation, Investment, Government Expenditure and Poverty on Economic Growth in Indonesia in 1999 - 2020. This study uses secondary data for 1999-2020 obtained from the Indonesian Central Statistics Agency, NSWI BKPM, APBN KEMENKEU. The data is analyzed using the Vector Error Correction Model (VECM). The results showed that, in the short run, inflation did not significantly affect economic growth. But in the long run it did have a positive effect on economic growth. In the short run, the investment did not affect economic growth, but in the long run it did have a positive and significant effect on economic growth. The government expenditure in the short run did not affect economic growth, while in the long run government expenditure did have a negative and significant effect on economic growth. Finally, both in short run and long run, poverty did not affect economic growth in Indonesia.
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
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