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All Journal Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam JMM (Jurnal Masyarakat Mandiri) IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Amwaluna Jurnal Ekonomi dan Keuangan Syariah Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah JURNAL LENTERA BISNIS Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Dinamika Ekonomi Syariah Jurnal Terapan Manajemen dan Bisnis International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Share: Jurnal Ekonomi dan Keuangan Islam Falah: Jurnal Hukum Ekonomi Syariah Best Journal of Administration and Management Jurnal Indonesia Sosial Sains KENDALI: Economics and Social Humanities Kartika: Jurnal Studi Keislaman Paradoks : Jurnal Ilmu Ekonomi Indo-Fintech Intellectuals: Journal of Economics and Business El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Falah: Jurnal Hukum Ekonomi Syariah Economic Development Analysis Journal Jurnal Cendekia Ilmiah Jurnal Ekonomi, Manajemen, Akuntansi Advances In Education Journal
Ahmad Habibi
Universitas Islam Negeri Raden Intan Lampung
Religion Agriculture, Biological Sciences & Forestry Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Physics Social Sciences Other

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Pengaruh Komposisi Pendapatan, Pemenuhan Kebutuhan Dasar, dan Pendapatan Masyarakat Terhadap Peningkatan Kesejahteraan Mustahik pada Baznas Kota Bandar Lampung dan Baznas Pesisir Barat Mela Anggraini; Ahmad Habibi; Muhammad Iqbal Fasa
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 1: November 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i1.6025

Abstract

Penelitian ini bertujuan untuk Mengetahui Bagaimana Pengaruh Komposisi Pendapatan, Pemenuhan Kebutuhan Dasar, dan Pendapatan Masyarakat Terhadap Peningkatan Kesejahteraan Mustahik Pada Baznas Bandar Lampung Dan Baznas Pesisir Barat. Dengan latar belakang tingginya tingkat kemiskinan dan ketimpangan ekonomi di Indonesia, zakat sebagai instrumen sosial memiliki potensi besar untuk meningkatkan kesejahteraan. Metode penelitian ini melibatkan analisis data kuantitatif dengan Teknik regresi berganda dari kedua wilayah, membandingkan efektivitas distribusi zakat dalam meningkatkan kualitas hidup mustahik. Sampel yang digunakan dari masing-masing baznas sebanyak 44 baznas kota bandar lampung dan 44 baznas pesisir barat. Hasil penelitian menunjukkan bahwa di baznas kota bandar lampung hanya pemenuhan kebutuhan dasar yang berpengaruh signifikan terhadap kesejahteraan mustahik, sedangkan di baznas pesisir barat komposisi pendapatan, pemenuhan kebutuhan dasar, dan pendapatan Masyarakat berpengaruh signifikan terhadap kesejahteraan mustahik. Perbedaan ini dipengaruhi oleh perbedaan pendapatan dari masing-masing wilayah.
Pengaruh Integritas, Pengungkapan, Ketaatan dan Neraca Saldo Terhadap Akuntabilitas Keuangan Dana Zakat : Studi Pada Yakesma Lampung dan Dompet Dhuafa Nurhayati Nurhayati; Ahmad Habibi; Muhammad Iqbal Fasa
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 1: November 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i1.6054

Abstract

penelitiaan ini bertujuan untuk membandingkan pengaruh variabel Integritas, Pengungkapan, Ketaatan dan Neraca Saldo Terhadap Akuntabilitas Keuangan Dana Zakat pada Yakesma Lampung dan Dompet Dhuafa. Dalam penelitian ini menggunakan pendekatan kuantitatif.  uji T  pada Lembaga Yakesma Lampung untuk Integritas Diketahui nilai sign 0,00 < 0,05 dan nilai t hitung 7,328 > 2,022 dan Neraca Saldo Diketahui nilai sign 0,00 < 0,05 dan nilai t hitung 13,455 > 2,022 terdapat pengaruh signifikan terhadap Akuntabilitas Keuangan Dana Zakat. Sedangkan Pengungkapan Diketahui nilai sign 0,00 < 0,05 dan nilai t hitung -8,384 < 2,022 dan Ketaatan Diketahui nilai sign 0,13 > 0,05 dan nilai t hitung  2,599 > 2,022 tidak terdapat pengaruh signifikan terhadap variabel Akuntabilitas Keuangan Dana Zakat. Hal ini berbanding terbalik dengan uji T pada Dompet Dhuafa dimana Integritas Diketahui nilai sign 0,292 > 0,05 dan nilai t hitung 1,068 < 2,022, Ketaatan Diketahui nilai sign 0,541 > 0,05 dan nilai t hitung  0,617 < 2,022 dan Neraca Saldo Diketahui nilai sign 0,471 > 0,05 dan nilai t hitung 0,729 < 2,022 tidak terdapat pengaruh signifikan terhadap Akuntabilitas Keuangan Dana Zakat. sedangkan Pengungkapan Diketahui nilai sign 0,01 < 0,05 dan nilai t hitung 3,620 >  2,022 pengaruh signifikan terhadap Akuntabilitas Keuangan Dana Zakat. Pada uji F untuk Yakesma Lampung bahwa pengaru Integritas,Pengungkapan,Ketaatan dan Neraca Saldo terhadap Akuntabilitas Keuangan Dana Zakat diketahui nilai sign 0,000 < 0,05 dan nilai f hitung 195,552 > 2,61 , sehingga dapat disimpulkan bahwa H5 diterima yang berarti terdapat pengaruh variabel X1, X2, X3, dan X4 terhadap Y dan untuk Dompet Dhuafa dapat disimpulkan bahwa pengaru X1,X2,X3 dan X4 terhadap Y diketahui nilai sign 0,000 < 0,05 dan nilai f hitung 195,552 > 2,61 , sehingga dapat disimpulkan bahwa H5 diterima yang berarti terdapat pengaruh variabel X1, X2, X3, dan X4 terhadap Y. Pada uji koefisien, untuk Yakesma Lampung terdapat pengaruh simultan sebesar 95,3% sedangkan pada Dompet Dhuafa terdapat pengaruh simultan sebesar 81,7%.
Pengaruh Kemampuan, Minat, Motivasi Kerja, Umpan Balik Terhadap Kinerja Karyawan Dengan Religiusitas Sebagai Variabel Moderasi Bella Safira; Ahmad Habibi; Siska Yuli Anita
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 2: Januari 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i2.6970

Abstract

Based on the results of a preliminary survey at BSI KCP Tanggamus, the information above shows that there are still many employees who are not satisfied with the feedback they receive. This early information needs to be interpreted by the division responsible for managing human resources so that employee performance can be optimal and can work optimally. This research aims to identify the influence of expertise, attention, work motivation, and feedback on the performance of Bank BSI KCP Tanggamus employees. This research uses a quantitative methodology and information collection is attempted by survey using a questionnaire. The population in this study were Bank BSI KCP Tanggamus employees. The illustration of this research was 15 people using SPSS type 20. The results of the research show that the performance of Bank BSI KCP Tanggamus employees is influenced by talent, attention, work motivation, and feedback, with aspects of religious moderation.
The Effect Of Psychological, Physiological, And Time Aspects Of Qris Usage On Consumer Satisfaction From The Perspective Of Islamic Business Ethics (A Study Of Clothing Stores At Simpur Center, Bandar Lampung) Indah Dwi Permata; Madnasir Madnasir; Ahmad Habibi
IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Vol. 16 No. 2 (2025): IQTISHADUNA: Jurnal Ekonomi Dan Keuangan Islam
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v16i2.14819

Abstract

This study aims to examine the effects of psychological, physiological, and time-related aspects of Quick Response Code Indonesian Standard (QRIS) usage on consumer satisfaction from the perspective of Islamic business ethics. The research employs a quantitative approach using a survey method. Data were collected from 100 consumers who used QRIS at clothing stores in Simpur Center, Bandar Lampung. Data analysis was conducted using multiple linear regression analysis with the assistance of SPSS software.The results indicate that the psychological aspect has a positive and significant effect on consumer satisfaction, highlighting the importance of trust, security, and comfort in digital transactions. The physiological aspect also shows a significant influence, although with a relatively lower magnitude, which is associated with ease of use, interface clarity, and system responsiveness. In addition, the time aspect significantly affects consumer satisfaction, as transaction efficiency and speed enhance convenience and reduce waiting time. Simultaneously, these three aspects exert a significant influence on consumer satisfaction, explaining 67 percent of the variance.From the perspective of Islamic business ethics, the implementation of QRIS reflects the principles of justice, transparency, responsibility, and public benefit (maslahah), thereby supporting the provision of secure, fair, and efficient transaction services. This study concludes that optimizing QRIS usage in line with Islamic business ethics values has the potential to enhance consumer satisfaction and support the sustainability of digital payment systems.
Challenges of Sharia Compliance Audits in Islamic Banking: An Analysis of Fintech Developments in Indonesia Yulia Andriani; Ahmad Habibi; Muhammad Iqbal Fasa
Best Journal of Administration and Management Vol 4 No 2 (2025): Best Journal of Administration and Management
Publisher : International Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/bejam.v4i2.373

Abstract

Digital transformation has encouraged Islamic banking in Indonesia to integrate financial technology (Fintech) to improve efficiency and competitiveness. This study aims to examine the application of fintech in Islamic banking, its impact on sharia compliance, and evaluate the effectiveness of supervision in the digital age. This study uses a library approach with qualitative content analysis, as well as the theoretical framework of diffusion of innovation and Islamic financial law. The study found that although Fintech facilitates the implementation of Sharia principles through profit-sharing/buying and selling schemes and contract transparency, there are tensions between digital automation and Sharia accountability that could potentially lead to violations of Islamic principles if oversight is not strict. Therefore, the study concludes that there is an urgent need to develop a digital Sharia audit framework that is capable of performing a Sharia-compliant test directly on the system's source code, as well as encouraging collaborative innovation to embed compliance tools into the core of the technology.
Marketing Management of Islamic Financial Services in the Digital Era Leni Riski Hayati; Ahmad Habibi; Muhammad Iqbal Fasa
Best Journal of Administration and Management Vol 4 No 2 (2025): Best Journal of Administration and Management
Publisher : International Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/bejam.v4i2.374

Abstract

The research aims to analyze in depth the marketing management of Islamic financial services in the digital era, which is currently at a historical crossroads due to the acceleration of digital transformation and the Industrial Revolution 4.0. This study uses a qualitative approach with the method of Systematic Literature Review (SLR). The results of the analysis indicate that adaptation to the Sharia digital marketing mix (7PS), such as technology-based products and physical evidence that transform into digital evidence, must be integrated with strict Sharia compliance. Managerial success depends on Shariah-compliant innovation, strengthening cybersecurity, and Human Resource Investment with dual competencies, with the Sharia Banking-as-a-Service model proposed as a solution to address inequalities in the digital infrastructure of SMEs.
The Role of Sharia Fintech Implementation in Overcoming Gharar in E-Commerce Transactions to Ensure Sharia Compliance and Transaction Certainty in the Digital Economy in Indonesia Reska Maulida; Ahmad Habibi; Muhammad Iqbal Fasa
Best Journal of Administration and Management Vol 4 No 2 (2025): Best Journal of Administration and Management
Publisher : International Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/bejam.v4i2.378

Abstract

The study aims to analyze the strategic role of Sharia Fintech implementation in overcoming gharar elements in e-commerce transactions in order to ensure Sharia compliance and increase transaction certainty in Indonesia's digital economy ecosystem. Gharar in e-commerce often occurs due to non-conformity of goods, quality uncertainty, and lack of transparency of information, where buyers cannot physically verify the goods. Using a qualitative descriptive approach through literature studies, it was found that Sharia fintechs offer mitigation solutions through innovations such as Sharia smart contracts that automate clear contracts, Sharia escrow systems that hold funds until goods are received, and blockchain-based halal traceability technology for product transparency. The results of the study show that the adoption of this technology significantly minimizes ambiguity, reduces the risk of disputes, and increases consumer confidence, but the main challenges still include low Sharia digital literacy and not yet optimal integration across e-commerce platforms.
THE INFLUENCE OF PROFITABILITY, FIRM SIZE, AND FINANCIAL LEVERAGE ON INCOME SMOOTHING PRACTICES IN MANUFACTURING COMPANIES LISTED ON THE STOCK EXCHANGE DURING 2020-2024 FROM THE PERSPECTIVE OF ISLAMIC FINANCIAL MANAGEMENT Via Kurniawati; Ahmad Habibi; Weny Rosilawati
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 11 (2025): OCTOBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i11.1173

Abstract

This study aims to analyze the influence of profitability, firm size, and financial leverage on the practice of income smoothing in manufacturing companies listed on the Indonesia Stock Exchange (IDX) during the period 2020–2024 from the perspective of Islamic financial management. The background of this research is based on the importance of financial statement quality in investment decision-making, as well as the phenomenon of income smoothing practices that continue to attract attention from academics and practitioners. The research method employs a quantitative approach with a descriptive research design. The population includes all manufacturing companies listed on the IDX, with a sample of 21 companies selected through purposive sampling. Secondary data in the form of financial statements were analyzed using multiple linear regression with the assistance of SPSS 24 software. The results indicate that profitability has a positive and significant effect on income smoothing, while firm size has a significant negative effect. Meanwhile, financial leverage does not have a significant effect on income smoothing. Simultaneously, profitability, firm size, and financial leverage significantly influence income smoothing. These findings suggest that internal company factors are important determinants in the practice of earnings management. From the perspective of Islamic financial management, income smoothing needs to be carefully examined to ensure alignment with the principles of transparency, accountability, and fairness. Thus, this study contributes to understanding the dynamics of financial factors affecting income smoothing and their implications for investors and company management.
PENGARUH PENGALAMAN USAHA, PENGAMBILAN RESIKO DAN KETERAMPILAN TERHADAP KEBERHASILAN USAHA DI PASAR TRADISIONAL SUKAJADI LAMPUNG BARAT: DITINJAU DARI MANAJEMEN PEMASARAN SYARIAH Wulan Nurhidayah; Ahmad Habibi; Gustika Nurmalia
KENDALI: Economics and Social Humanities Vol. 4 No. 2 (2025): KENDALI: Economics and Social Sciences Humanities, November 2025
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i2.859

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pengalaman usaha, pengambilan risiko, dan keterampilan terhadap keberhasilan usaha pada pedagang di Pasar Tradisional Sukajadi, Lampung Barat, dalam perspektif manajemen pemasaran syariah. Latar belakang penelitian ini didasari oleh menurunnya jumlah pedagang dan daya saing pasar tradisional akibat perkembangan pasar modern dan digitalisasi. Tiga variabel utama yang diteliti yaitu pengalaman usaha (X1), pengambilan risiko (X2), dan keterampilan (X3) diasumsikan memiliki pengaruh terhadap keberhasilan usaha (Y). Penelitian ini menggunakan metode kuantitatif dengan pendekatan survei melalui penyebaran kuesioner kepada 100 responden yang dipilih dengan teknik purposive sampling. Analisis data dilakukan menggunakan SmartPLS. Hasil penelitian menunjukkan bahwa secara parsial pengalaman usaha, pengambilan risiko, dan keterampilan masing-masing berpengaruh positif dan signifikan terhadap keberhasilan usaha. Secara simultan, ketiga variabel tersebut juga memberikan pengaruh yang signifikan terhadap keberhasilan usaha. Dari perspektif manajemen pemasaran syariah, keberhasilan usaha tidak hanya dilihat dari aspek profitabilitas, tetapi juga dari penerapan nilai-nilai kejujuran, keadilan, dan keberkahan dalam praktik bisnis. Penelitian ini menegaskan pentingnya integrasi nilai-nilai Islam dalam pengelolaan usaha agar tercapai kesuksesan yang tidak hanya materiil tetapi juga spiritual.
PEMBERDAYAAN USAHA MIKRO, KECIL, DAN MENENGAH MELALUI DIGITAL MARKETING DAN FINANCIAL REPORTING Ahmad Habibi; Rosydalina Putri; Citra Etika
JMM (Jurnal Masyarakat Mandiri) Vol 8, No 3 (2024): Juni
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v8i3.22176

Abstract

Abstrak: Minimnya SDM yang memiliki pengetahuan yang luas di bidang usaha, permodalan, marketing dan pengelolaan keuangan menyebabkan UMKM di Provinsi Lampung tidak mampu bertahan dan bersaing di era global. Mitra pada kegiatan pengabdian ini adalah 150 pelaku UMKM yang terdapat di 3 wilayah Provinsi Lampung yaitu; 50 orang pelaku UMKM di Kota Bandar Lampung, 50 orang pelaku UMKM di Kabupaten Lampung Timur dan 50 orang pelaku UMKM di Kabupaten Lampung Tengah. Tujuan dari kegiatan pengabdian kepada Masyarakat ini adalah untuk meningkatkan skill dalam melakukan proses pemasaran secara digital dan kemampuan membuat pencatatan laporan keuangan UMKM di Provinsi Lampung. Berdasarkan hasil evaluasi melalui kuesioner, kegiatan ini memberikan hasil peningkatan kemampuan peserta sebesar 87,5% dalam penggunaan digital marketing dan digital financial reporting.Abstract: The limitations of human resources who have good knowledge in the fields of business, capital, marketing and financial management causes MSMEs in Lampung Province become dificult to survive and compete in the global era. Partners in this service activity are 150 MSME owner in 3 regions of Lampung Province, namely; 50 MSME owners in Bandar Lampung City, 50 MSME owners in East Lampung Regency and 50 MSME owners in Central Lampung Regency. The purpose of this community service activity is to improve skills partner’s in carrying out digital marketing processes and the ability to record MSME financial statements in Lampung Province. Based on the results of the evaluation through questionnaires, this activity resulted in an increase in participants' abilities by 87.5% in the use of digital marketing and digital financial reporting.
Co-Authors Abdul Malik Ghozali Ahmad Hazas Syarif Alfina Shafira Anggel Dwi Satria Asmita Dewi Santi Aula Nurul Ma&#039;rifah Barmawi Arifin Bella Safira Citra Etika David Novaldi Novaldi Desta Marta nita Dewi Risyantika Dian Nita Susanti Eci Meiliyani Erike Anggraeni Erike Anggraini Erma Kusumawati Evi Ekawati Fahmi Fernandika Awabi Gustika Nurmalia Hafidz Kurniawan Heni Noviarita Indah Dwi Permata Iqbal, Muhammad Jhody Wiraputra Khavid Normasyhuri Khavid Normasyhuri Kurniawan, Dwi Agus Leni Riski Hayati M. Abdul Azis M. Ujang Baihaqi Madnasir Madnasir Mela Anggraini Moh Bahrudin Moh. Bahruddin Muhammad Afani Adam Muhammad Iqbal Muhammad Iqbal Fasa Muhammad Iqbal Fasa Muhammad Iqbal Fasa Muhammad Kurniawan Niken Permata Putri Niken Purnama Santi Nurhayati Nurhayati Ogi Marsenal Ipando Okta Suprianingsih Palupi Pratiwi Pertiwi Utami Pransiska Dewi Putri Dwi Alfiani Rahmat Fajar Reska Maulida Ridwansyah Ridwansyah Rika Fahrinta risalatulfatimah muawanah Rosydalina Putri Sania Nuraziza Siska Yuli Anita Surono Bin Jamel Taufiqur Rahman Rahman Ummi Kaltsum Karunianing Utami Uswatun Khasanah Via Kurniawati Weny Rosilawati Wulan Nurhidayah Yeni Susanti Yeni Susanti Yulia Andriani