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All Journal Jurnal Inovasi Bisnis (Inovbiz) Iqtishoduna: Jurnal Ekonomi Islam Journal of Management Accounting Business and International Research Journal of Management, Economic, and Accounting JAMPARING: Jurnal Akuntansi Manajemen Pariwisata dan Pembelajaran Konseling Journal of Management Accounting, Tax and Production Transaction: Journal of Taxation, Accounting, Management and Economics
Pane, Sanusi Gazali
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Physics Social Sciences

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Analysis of Android Smartphone Usage Preferences compared to iOS Aritonang, Romaito; Sugara, Igk Adhi; Pane, Sanusi Gazali
Journal Of Accounting Management Business And International Research Vol 3, No 1 (2024): April 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jambuair.v3i1.2106

Abstract

The development of technology and information is increasingly rapid, the need for access to information regarding technology is also increasingly becoming a basic need for everyone. Internet technology and electronic devices cannot be separated from the rapid development of the times. Smartphone is a tool that provides many applications so that users can develop their knowledge about anything, if they maximize the function of the features and applications in the smartphone. One of them is the operating system. The operating system is the main software that carries out management control over hardware directly. As well as management and controlling other software so that the other software can work. So that a software operating system can work. So a mobile operating system will be responsible for operating the various functions and features available on mobile devices and the widely used operating systems are Android and iOS. The aim of this research is to analyze the differences in smartphone brand preferences in relation to the Android and iOS operating systems, by analyzing the relationship between smartphone features and the choice of smartphone brands based on Android OS and iPhone OS, and the influence between the features offered by the operating system currently used. This is by a smartphone brand with an interest in replacing smartphone devices.
ANALYSIS OF THE FINANCIAL LITERACY ON ECONOMIC GROWTH IN INDONESIA Lubis, Anggi Permata Rizky; Rangkuty, Dewi Mahrani; Pane, Sanusi Gazali
TRANSACTION : Journal of Taxation, Accounting, Management and Economics Volume 2 Issue 2 April 2024
Publisher : Arsil Media

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

Abstract

The higher a person's financial literacy, the greater the level of utilisation of financial products and services. Expenditure management can take advantage of financial literacy so that it can maintain finances in meeting its needs, and good financial conditions will reflect economic growth that continues to increase. The purpose of this study is to determine the effect of financial literacy on economic growth with indicators such as balance of payments, investment, total loans, savings, money supply and interest rates. With the vector autoregression (VAR) analysis method which results in that the balance of payment variable has a mutual effect on investment. Then investment and economic growth are also influenced by savings and money supply and affect interest rates and the amount of loans. So as to limit the risk of financial literacy failure in the financial system, it is necessary to increase financial risk with product innovation in the financial sector.
Analisis Preferensi Konsumen Menggunakan Online Shop (Shopee) Pratiwi, Devani; Simatupang, Rut Anatasya; Sisiliana, Sisiliana; Sinulingga, Iqrom Syaputra; Pane, Sanusi Gazali
JAMPARING: Jurnal Akuntansi Manajemen Pariwisata dan Pembelajaran Konseling Vol 2, No 1 (2024): Februari 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jamparing.v2i1.2043

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh kepercayaan konsumen dan kualitas pelayanan terhadap Keputusan pembelian pada e-commerce. Populasi pada penelitian ini adalah PTPN II Medan. Data diperoleh dari pemyebaran kueisioner dengan jumlah sebanyak 68 responden yang diperoleh dari PTPN II Medan. Metode analisis yang digunakan dalam penelitian ini adalah metode depkriptif, dan analisis statistik menggunakan analisis regresi linier berganda, dan uji hipotesis menggunakan uji t dengan Tingkat signifikan 5%. Hasil penelitian menunjukan bahwa kepercayaan konsumen tidak berpengaruh secara signifikan terhadap Keputusan pembelian pada e-commerce, dan kualitas pelayanan berpengaruh secara signifikan terhadap Keputusan pembelian.
Analisis Pengaruh Kebijakan Moneter Terhadap Pertumbuhan Ekonomi di Indonesia Pane, Sanusi Gazali; Fernanda, Reviola Loise; Althaaf, Salsabila Nadhifa; Waruwu, Tofalali Junaidi Putra; Silalahi, Michael Saputra
Journal of Management Accounting, Tax and Production Vol 2, No 2 (2024): September 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/mantap.v2i2.3345

Abstract

Penelitian ini mengkaji pengaruh kebijakan moneter terhadap pertumbuhan ekonomi di Indonesia melalui analisis literatur komprehensif. Fokus utama penelitian adalah mengevaluasi efektivitas kebijakan moneter dalam mendorong pertumbuhan ekonomi, dengan mempertimbangkan variabel-variabel kunci seperti nilai tukar, suku bunga, dan inflasi. Metodologi yang digunakan adalah pendekatan kualitatif dengan kajian literatur review, menganalisis berbagai sumber data termasuk publikasi resmi dan jurnal ilmiah. Hasil penelitian menunjukkan bahwa kebijakan moneter memiliki dampak signifikan terhadap pertumbuhan ekonomi Indonesia, baik melalui kebijakan ekspansif maupun kontraktif. Nilai tukar ditemukan mempengaruhi daya saing ekspor-impor, sementara suku bunga berperan dalam mengatur jumlah uang beredar dan keputusan investasi. Inflasi yang stabil dan rendah dianggap kondusif untuk pertumbuhan ekonomi jangka panjang. Penelitian ini menyimpulkan bahwa efektivitas kebijakan moneter dalam mendorong pertumbuhan ekonomi di Indonesia bergantung pada pengelolaan yang tepat terhadap nilai tukar, suku bunga, dan tingkat inflasi
Analisis Permintaan dan Penawaran Agregat di Kala Pandemi Covid-19 Pane, Sanusi Gazali; Fikri, Muhammad; Saskia, Regita Amalia; Lubis, Salsabila Azzahro; Ramadhan, Syahrul
Journal of Management Accounting, Tax and Production Vol 2, No 2 (2024): September 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/mantap.v2i2.3348

Abstract

Penelitian ini menganalisis dampak pandemi COVID-19 terhadap perekonomian Indonesia, dengan fokus pada perubahan dalam permintaan dan penawaran agregat serta pola siklus bisnis. Menggunakan pendekatan kualitatif dengan analisis deskriptif, studi ini memanfaatkan data PDB kuartalan dari tahun 2000 hingga 2022. Metode utama yang digunakan adalah model Hodrick-Prescott (HP) Filter untuk memisahkan komponen tren dan siklus dari data PDB, serta analisis grafis untuk visualisasi tren dan fluktuasi ekonomi. Hasil analisis menunjukkan fluktuasi signifikan dalam aktivitas ekonomi selama masa pandemi, dengan pembatasan sosial menyebabkan penurunan tajam dalam konsumsi rumah tangga, investasi, dan ekspor. Sektor-sektor utama seperti manufaktur, transportasi, dan pariwisata mengalami gangguan serius. Penelitian ini juga mengungkapkan pola pemulihan ekonomi berbentuk W, yang mencerminkan tantangan berkelanjutan seperti munculnya varian virus baru dan krisis geopolitik global. Meskipun upaya pemerintah melalui stimulus fiskal dan moneter telah membantu menstabilkan ekonomi, pemulihan tetap menghadapi hambatan. Studi ini menyoroti pentingnya kebijakan yang adaptif dan responsif dalam mengatasi dampak pandemi dan membangun fondasi untuk pertumbuhan ekonomi jangka panjang.
Faktor-Faktor Internal dan Eksternal yang Mempengaruhi Kinerja Ekspor UMKM Indonesia Pane, Sanusi Gazali; Ginting, Puji Aloina Br; Sipayung, Willy Febrian; Manik, Fernando Saputra
Journal of Management Accounting, Tax and Production Vol 2, No 2 (2024): September 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/mantap.v2i2.3358

Abstract

Studi ini bertujuan untuk menganalisis faktor yang mempengaruhi ekspor UMKM Indonesia. Dalam mengidentifikasi faktor tersebut, analisis ini menggunakan regresi logistik biner dimana variabel respon yang diteliti memiliki skala nominal yaitu 1 untuk UMKM ekspor dan 0 untuk yang belum pernah. Sementara variabel prediktor yang digunakan terdiri dari 2 bagian yaitu faktor internal dan eksternal. Faktor-faktor di atas diukur dengan indikator yang dikembangkan dalam kuesioner. Berdasarkan hasil analisis regresi, terdapat 2 variabel signifikan yang berpengaruh terhadap kinerja UMKM, yaitu pengetahuan dan keterampilan ekspor UMKM (knowledge and skill) dan keinginan untuk ekspor (export motivation), yang keduanya merupakan faktor internal. Sementara itu, faktor eksternal tidak memberikan pengaruh secara signifikan dalam model regresi. Hal ini menunjukkan bahwa UMKM Indonesia masih berada di tahapan inkubatif. Oleh karena itu, program pendampingan ekspor UMKM sebaiknya difokuskan pada penguatan internal untuk meningkatkan pengetahuan dan mendorong keinginan untuk ekspor diantaranya melalui pelatihan tata cara/prosedur ekspor, pendampingan izin usaha, sertifikasi produk, pelatihan label, serta menumbuhkan motivasi ekspor melalui perluasan success story dari perusahaan lain.
Pengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Tingkat Tabungan dan Investasi Masyarakat Dalam Sistem Keuangan Nasional Pane, Sanusi Gazali; Harahap, Anggitha Aulia; Daeli, Ikuti; Suganda, Rara Dena; Fazria, Rizka
Journal of Management Accounting, Tax and Production Vol 2, No 2 (2024): September 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/mantap.v2i2.3333

Abstract

Penelitian ini mengkaji pengaruh literasi keuangan dan inklusi keuangan terhadap tingkat tabungan dan investasi masyarakat dalam sistem keuangan nasional Indonesia. Menggunakan metode studi literatur, penelitian ini menganalisis data dan temuan dari berbagai sumber terpercaya. Hasil menunjukkan bahwa peningkatan literasi dan inklusi keuangan berkorelasi positif dengan pertumbuhan jumlah rekening tabungan dan investor di pasar modal. Teknologi finansial (fintech) berperan sebagai katalisator dalam mempercepat inklusi keuangan, meskipun tantangan seperti kesenjangan digital masih perlu diatasi. Program terintegrasi yang menggabungkan peningkatan literasi dan perluasan akses keuangan terbukti lebih efektif dalam mendorong perilaku finansial positif. Penelitian juga mengungkapkan bahwa peningkatan literasi dan inklusi keuangan berkontribusi positif terhadap stabilitas sistem keuangan nasional, pertumbuhan ekonomi, dan efektivitas kebijakan moneter dan fiskal. Namun, kesenjangan dalam literasi dan inklusi keuangan masih ada, terutama antara daerah perkotaan dan pedesaan serta antar kelompok pendapatan. Penelitian ini menyimpulkan bahwa upaya berkelanjutan dan terintegrasi untuk meningkatkan literasi dan inklusi keuangan harus menjadi prioritas dalam agenda pembangunan ekonomi nasional Indonesia.
ANALYSIS OF THE RELATIONSHIP OF E-COMMERCE TRANSACTIONS, INTERNET USERS, FOREIGN CAPI-TAL AND LABOR TO INDONESIAN ECONOMIC GROWTH Rosadi, Fachrial Djannah; Hutasoit, Anita N; Fauji, Irfan; PANE, SANUSI GAZALI
Inovbiz: Jurnal Inovasi Bisnis Vol 12, No 1 (2024)
Publisher : Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v12i1.3851

Abstract

Economic growth is influenced by E-commerce and several variables, the other variables are Labor, Internet Users and Foreign Investment. The variables used in this study are more than one variable, so the analysis method used is Vector Autoregressive (VAR). This method is used in order to see the relationship between variables which is one of the multivariate analyzes for time series data. This research uses data on E-commerce Transactions, Labor, GDP, Internet Users and Foreign Investment for the period January 2019-December 2022. The results of the forecast in this study using the VAR method can be seen that the variables with the first largest contribution to GDP is GDP itself and the Labor. As for the first largest contribution to E-commerce Transactions are the variables themselves, Economic Growth, and Foreign Investment
Modeling Fair Wage Implementation within a Mixed Economy Framework: Insights from Islamic Economic Principles Pane, Sanusi Gazali; Sugianto
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October (On Progress)
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.3242

Abstract

Fair wage determination involves subjective perceptions influenced by individual values and contextual understanding. This study explores fair wage concepts within Islamic banking through a cross-sectional survey examining respondents across various positions and industrial relations statuses. The research incorporates transparency and information openness as key variables, analyzing fair wages beyond nominal amounts to encompass processes shaping individual perceptions. An Islamic economic perspective guides the analysis of determinant factors. The study employed a survey of Islamic banking professionals to assess perceptions of wage fairness and their relationships with job satisfaction and family welfare. Findings reveal that 92.36% of respondents perceive their wages as fair, with the highest level of satisfaction (96.1%) attributed to wage comparability across similar roles. The lowest satisfaction (76.6%) was observed for religious culture aspects. This research contributes to Islamic economic theory by demonstrating the contemporary relevance of Islamic teachings on economic justice in modern industrial contexts, highlighting social benefits as crucial determinants in fair wage concepts for policy development.
Productive Waqf and Innovation of Sharia Social Instruments: Strategies for Strengthening the Ummah's Economy Pane, Sanusi Gazali
Journal of Management, Economic, and Accounting Vol. 4 No. 2 (2025): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v4i2.1085

Abstract

This study aims to analyze the role of productive waqf and the innovation of Islamic social finance instruments as strategic tools for strengthening the economic empowerment of the Muslim community. Productive waqf is increasingly recognized as a long-term mechanism capable of generating sustainable socio-economic benefits through the professional and transparent management of waqf assets. However, its implementation still faces several challenges, including limited public literacy on waqf, inadequate institutional capacity of nazhir, and the suboptimal development of innovative Islamic social finance instruments that support productive waqf initiatives. Using a descriptive qualitative approach, this research examines relevant literature, regulatory frameworks, and empirical findings related to waqf management and Islamic social finance. The results indicate that digital innovations such as waqf-based crowdfunding, technology-enabled cash waqf, and the integration of Islamic finance with productive sectors have significant potential to enhance the effectiveness and impact of productive waqf. The study emphasizes the importance of collaboration among government bodies, waqf institutions, Islamic financial institutions, and the wider community to build a more professional, accountable, and impactful productive waqf ecosystem. These findings are expected to contribute to policy development, nazhir capacity building, and future innovation models in Islamic social finance.
Co-Authors Althaaf, Salsabila Nadhifa Aritonang, Romaito Daeli, Ikuti Dewi Mahrani Rangkuty Fauji, Irfan Fazria, Rizka Fernanda, Reviola Loise Ginting, Puji Aloina Br Harahap, Anggitha Aulia Hutasoit, Anita N Lubis, Anggi Permata Rizky Lubis, Salsabila Azzahro Manik, Fernando Saputra Muhammad Fikri Pratiwi, Devani Rosadi, Fachrial Djannah Saskia, Regita Amalia Silalahi, Michael Saputra Simatupang, Rut Anatasya Sinulingga, Iqrom Syaputra Sipayung, Willy Febrian Sisiliana, Sisiliana Suganda, Rara Dena Sugara, Igk Adhi Sugianto Syahrul R, Syahrul Waruwu, Tofalali Junaidi Putra