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All Journal SEGMEN Jurnal Manajemen dan Bisnis Jurnal Ilmu Manajemen (JIM) Jurnal Online Mahasiswa (JOM) Bidang Keguruan dan Ilmu Pendidikan BISNIS: Jurnal Bisnis dan Manajemen Islam I-Finance Journal MIQOT: Jurnal Ilmu-ilmu Keislaman Jurnal Tirtayasa Ekonomika (Tirtayasa Economica Journal) Jurnal Ilmiah Ekonomi Islam Widya Cipta : Jurnal Sekretari dan Manajemen Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT MANAJERIAL Jurnal Pengabdian Pada Masyarakat JURNAL PengaMAS Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JURIS (Jurnal Ilmiah Syariah) E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Amwaluna Jurnal Ekonomi dan Keuangan Syariah Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Dimasejati: Jurnal Pengabdian Kepada Masyarakat AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah J-ISCAN : Journal of Islamic Accounting Research Rambideun : Jurnal Pengabdian Kepada Masyarakat Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah JURIS (Jurnal Ilmiah Syariah) Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Media Bina Ilmiah Indo-Fintech Intellectuals: Journal of Economics and Business Imara: Jurnal Riset Ekonomi Islam J-ISCAN : Journal of Islamic Accounting Research Malik Al-Shalih Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman

Ismaulina, Ismaulina

Institut Agama Islam Negeri Lhokseumawe

Author-ID : 2615957

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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PENGARUH KARAKTER SPIRITUAL TERHADAP PRODUKTIVITAS SANTRI Devi Maudiani; Ismaulina Ismaulina
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 5 No 1 (2021): JESKaPe Vol. 5 No. 1 January-June 2021
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v5i1.1140

This study aims to determine whether there is an effect of spiritual character on the productivity of students in the Bank Indonesia Islamic Boarding School Economic Independence Development Program at the Darul 'Ulum Al-Munawwarah Islamic Boarding School, Lhok Mon Puteh / Blang Pohroh, Cunda, Lhokseumawe City. This study uses a quantitative method with an associative approach. Data collection was carried out by distributing questionnaires with a sample of 25 respondents. To analyze the data using an analysis tool, namely SPSS version 22. The method of analysis used validity and reliability tests, normality test, simple linear regression test and hypothesis testing. The results showed that the t-test results of the spiritual character variable (x) had a positive effect on the productivity of the students (y) as evidenced by the t-count value greater than the t-table with a significance that was smaller than the determined significance. Economic Independence Development Program of the Bank Indonesia Islamic Boarding School at the Darul 'Ulum Al-Munawwarah Islamic Boarding School in Lhok Mon Puteh / Blang Pohroh, Cunda, Lhokseumawe City..

ANALISIS PENINGKATAN KESEJAHTERAAN NASABAH TERHADAP PEMBIAYAAN MURABAHAH (Studi Kasus Bank Aceh Syariah Capem Krueng Geukueh) Maulida Mahdalena; Suryani Suryani; Ismaulina Ismaulina
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 2 (2021): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

This study aims to determine differences in income before and after getting murabaha financing at Bank Aceh Syariah Capem Krueng Geukueh. The research method uses quantitative methods with a sample of 45 respondents. Data collection was carried out using a Likert scale questionnaire. Based on the results of the study there is a relationship between welfare and cheap financing at Bank Aceh Syariah Capem Krueng Geukeuh, with the difference in the difference in average income before and after amounting to -8,587 to -7,635. This research is useful for researchers themselves, for banks, for murabaha financing customers, and for future researchers. Keywords: welfare, income and murabahah financing

PENGARUH OWNERSHIP RETENTION, SIZE, LEVERAGE DAN KOMISARIS INDEPENDEN TERHADAP PENGUNGKAPAN INTELLECTUAL CAPITAL Linda Linda; Nurul Affriza; Ismaulina Ismaulina
J-ISCAN: Journal of Islamic Accounting Research. Vol 1 No 2 (2019): ISCAN Vol. 1 No. 2 July-December 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/j-iscan.v1i2.701

Intellectual capital disclosure in the annual report is defined as a way that is carried out to deliver the financial report by explaining various reliable, integrated and true and fair company activities.This study aims to determine the effect of ownership retention, size, leverage, and independent commissioner on intellectual capital disclosure. The population of this study is mining companies listed in Indonesian Stock Exchange in 2014-2016. Sample selected by purposive sampling method. Total sample amounted to 15 companies. The data used in this research is secondary data in the form of the company’s annual report for theperiod 2014-2016. Data analysis used with classical assumption test and hypothesis testing, this research use multiple linear regression method.The results of this research show that ownership retention, size, leverage, and independent commissioner simultaneously influence intellectual capital disclosure. Test shows the result that the ownership retention, leverage, and independent commissioner significantly influence intellectual capital disclosure, whereas size does not influence intellectual capital disclosure. Keywords: Intellectual Capital Disclosure, Ownership Retention, Size, Leverage, and Independent Commissioner Abstrak Pengungkapan modal intelektual dalam laporan tahunan didefinisikan sebagai cara yang dilakukan untuk menyampaikan laporan keuangan dengan menjelaskan berbagai kegiatan perusahaan yang dapat diandalkan, terintegrasi dan benar serta adil. Studi ini bertujuan untuk mengetahui pengaruh retensi kepemilikan, ukuran, leverage, dan komisaris independen pada pengungkapan modal intelektual. Populasi penelitian ini adalah perusahaan pertambangan yang terdaftar di Bursa Efek Indonesia pada tahun 2014-2016. Sampel dipilih dengan metode purposive sampling. Total sampel berjumlah 15 perusahaan. Data yang digunakan dalam penelitian ini adalah data sekunder dalam bentuk laporan tahunan perusahaan untuk periode 2014-2016. Analisis data menggunakan uji asumsi klasik dan pengujian hipotesis, penelitian ini menggunakan metode regresi linier berganda. Hasil penelitian ini menunjukkan bahwa retensi kepemilikan, ukuran, leverage, dan komisaris independen secara simultan mempengaruhi pengungkapan modal intelektual. Uji menunjukkan hasil bahwa retensi kepemilikan, leverage, dan komisaris independen secara signifikan mempengaruhi pengungkapan modal intelektual, sedangkan ukuran tidak mempengaruhi pengungkapan modal intelektual. Kata kunci: Pengungkapan Modal Intelektual, Retensi Kepemilikan, Ukuran, Leverage, dan Komisaris Independen

EFFECT OF CAPITAL ADEQUACY, LIQUIDITY, AND OPERATIONAL EFFICIENCY TO PROFITABILITY IN BANK SYARIAH MANDIRI (Period 2008 s.d 2015) Ismaulina Ismaulina; Zulfadhli Zulfadhli
JURIS (Jurnal Ilmiah Syariah) Vol 15, No 1 (2016)
Publisher : Institut Agama Islam Negeri Batusangkar

This research aimed at analyzing the effects of Capital Adequacy (CAR), liquidity (FDR) and operational efficiency (BOPO) toward profitability (ROA) in PT. Bank Syariah Mandiri (2008 to 2015 Period). The effects of CAR, FDR and BOPO were measured quantitatively and correlated to the company’s ROA by means of double linear regression formula. The object of the research was three-monthly financial report through 31 observations. The findings showed that CAR and BOPO had negative and significant effects toward ROA. FDR had positive and no significant effects toward ROA. It was found that 94.6% of ROA could be explained by the variables of CAR, FDR and BOPO, while 5.4% could be explained by other variables which were not included in this research.

Kinerja Keuangan Perbankan BEI Ditinjau dari Aspek Good Corporate Governance dan Ukuran Perusahaan Angga Syahputra; Ismaulina Ismaulina; Heny Rofizar
Widya Cipta - Jurnal Sekretari dan Manajemen Vol 6, No 2 (2022): September 2022
Publisher : Universitas Bina Sarana Informatika

This study discusses cases and economic problems that arise from inappropriate applications, then the existence of diverse ownership structures and company sizes that can affect managers in reporting company performance. The purpose of this study was to determine the effect of the implementation of Good Corporate Governance (GCG), Company Size, either partially or simultaneously on the Financial Performance of Banks listed on the Indonesia Stock Exchange in 2014-2018. The research method used is quantitative data analysis using multiple linear regression analysis method. The data used in this study is secondary data obtained from financial reports obtained through the IDX website. The results of the study that the GCG variable did not have a positive and significant effect on the financial performance of the bank was found with the value of t count < t table (-0.771 < 2.002). Firm size variable has a positive effect on bank financial performance with the acquisition of t count > t table (46,335 > 2,002). Simultaneously using the F test, it was found that the GCG variable and company size had an effect on the financial performance of banks listed on the Indonesia Stock Exchange for the 2014-2018 period.

LITERASI KEUANGAN DALAM PERSPEKTIF MAHASISWA: (STUDI KASUS MAHASISWA FEBI IAIN LHOKSEUMAWE) ISMAULINA ISMAULINA; SURYANI SURYANI
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i1.208

Every individual wants a happy and prosperous life. To achieve that it takes knowledge of ﬁnancial literacy in order for someone to avoid ﬁnancial problems. This study aims to examine how the level of ﬁnancialliteracy students majoring in Islamic economics Faculty of Economics and Business Islam (FEBI) IAINLhokseumawe. And whether the level of income aﬀects the management and ﬁnancial decisions of studentsof the Department of Sharia Economics FEBI IAIN Lhokseumawe. Respondents studied are students whocome from FEBI majoring in Sharia Economics amounted to 100 people. Mean and frequency test were usedin this study. The result of the study shows that the average score of ﬁnancial literacy students of EconomicsDepartment of FEBI IAIN Lhokseumawe of 3.27 (65.4%) means that the level of student ﬁnancial literacyis still far from the optimum or still quite enough, even close to the low category so it should be increasedespecially related to the knowledge of expenditure, credit, savings and investment. The average student incomelevel lies in the medium/moderate category of 56%. Giving meaning diﬀerences in student income levelsaﬀect ﬁnancial management and make the right ﬁnancial decisions.

Peningkatan Pendapatan UMKM Melalui Pembiayaan Syariah dan Pemberdayaan Ismaulina Ismaulina; Desi Misra Resa; Syafriil Nasution
BISNIS Vol 10, No 2 (2022): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Fakultas Ekonom dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v10i2.13739

Usaha Mikro, Kecil dan Menengah (UMKM) menjadi salah satu pemain ekonomi yang mampu menyerap tenaga kerja dalam jumlah besar. Masalah yang sering dihadapi oleh UMKM adalah sulitnya mendapatkan akses modal dari lembaga keuangan serta kurangnya pemberdayaan dari berbagai pihak. Tujuan penelitian ini adalah untuk mengetahui apakah pembiayaan syariah dan pemberdayaan berpengaruh terhadap peningkatan pendapatan UMKM. Teknik analisa data dilakukan dengan menggunakan metode Regresi Linier Berganda. Berdasarkan hasil penelitian, maka dapat disimpulkan bahwa 1) Pembiayaan syariah berpengaruh positif dan signifikan terhadap peningkatan pendapatan UMKM dengan arah koefisien positif menunjukkan bahwa semakin meningkatnya pembiayaan syariah maka akan semakin meningkat pula pendapatan pelaku UMKM. 2) Begitu juga dengan Pemberdayaan berpengaruh positif dan signifikan terhadap peningkatan pendapatan UMKM menunjukkan bahwa semakin meningkatnya pemberdayaan maka akan semakin meningkat pula pendapatan pelaku UMKM. 3) Adapun keeratan hubungan antara pembiayaan syariah dan pemberdayaan dengan peningkatan pendapatan berada pada interprestasi sangat kuat.

ANALISIS PENGARUH PRODUK GADAI EMAS (RAHN EMAS) TERHADAP PENINGKATAN FEE BASED INCOME (FBI) PADA PT. BANK SYARIAH MANDIRI Ismaulina Ismaulina; Oumar Tidiane Doumbouya
Imara: JURNAL RISET EKONOMI ISLAM Vol 4, No 2 (2020): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v4i2.2248

Fee Based Income is the income that keeps the company from decreasing the net interest margin (NIM). The amount of profit obtained by the bank as well as being efficient and effective in managing company finances, shows a good bank financial performance. One of the products of PT. BSM that provides Fee Based Income is Gold Pawn (rahn) services provided by banks to customers. This research uses quantitative data. Data obtained from the monthly financial statements of gold pawn products and FBI at PT. Bank Syariah Mandiri period January 2017 - December 2019. This study uses a simple linear regression method. Regression analysis shows that the effect of gold rahn on fee based income is significant where t count (3.826)> t table (2.03) and a significance of 0.001 <0.05 so that Ho is rejected and Ha is accepted. It can be concluded that the Gold Rahn variable has a significant effect on FBI. This happens because the total gold Rahn fee received by Bank Syariah Mandiri makes a significant contribution to the bank's profit rate.

Manajemen Pengelolaan Modal Pedagang Pasar Tradisional (Studi Kasus di Pasar Impres Kota Lhokseumawe) Ismaulina Ismaulina; Nanda Arva; Asma Savitri
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 3 No. 2 (2023): Indo-Fintech Intellectuals: Journal of Economics and Business
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v3i2.276

The purpose of this study was to find out and describe "Capital Management of Traditional Market Traders at the Pasar Impres in Lhokseumawe town". The capital was obtained from money gathering activities (arisan). The problem is how to manage the capital of traditional market "pasar impres" traders in the Lhokseumawe town? This study used a descriptive qualitative method where data collection techniques were carried out through interviews and observation. The results of this study indicate that the low educational factor causes many traditional market traders to lack understanding of capital management issues and many traders to be less concerned about adding business capital from the "arisan" they have participated in. Some traders use the money for personal gain, and some other traditional market traders use it for additional business capital. So, the field of capital management turns out that it is not enough to show good management, this can be seen from the "arisan" money earned is not used to develop other businesses.

THE DECLINE IN BUMDes PERFORMANCE DURING THE COVID-19 PANDEMI (EVALUATION OF ENVIRONMENTAL TURBULENCE IN THE FUTURE) Linda Linda; Ismaulina Ismaulina; Maya Febriyanty Lautania
J-ISCAN: Journal of Islamic Accounting Research Vol. 5 No. 2 (2023): J-ISCAN : Journal of Islamic Accounting Research
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jiscan.v5i2.1348

This study aims to analyze the causes of the decline in the performance of BUMDes in the city of Banda Aceh during the Covid-19 pandemi. Environmental turbulence or external conditions that lead to opportunities or threats to business continuity. The results of previous studies showed that the financial performance of BUMDes during the Covid 19 pandemi experienced a very drastic decline and many BUMDes went bankrupt because they were unable to compete in the market. The exogenous variables in this study are environmental turbulence and working capital. The endogenous variables are transparency and falling BUMDes financial performance, where the transparency variable is an intervening variable. Analysis of the influence of exogenous variables on endogenous variables using SEM-PLS with the study population being BUMDes administrators in the city of Banda Aceh. Respondents in the study were chairmen, secretaries and treasurers of BUMDes who were active in the city of Banda Aceh The results showed that the environmental turbulence and working capital variables through the transparency variable had a significant negative effect on the fall in BUMDes financial performance during the Covid 19 pandemi. Which means that environmental turbulence caused a fall in BUMDes financial performance. These findings show the importance of BUMDes to carry out various product innovations when environmental turmoil occurs so that their business can be sustainable.

Co-Authors Agus Ana Tasya Ali Muhayatsyah Anita, Putri Sri Annisa Annisa Asma Savitri Asma Savitri Aulia, Nurul Ayu Wulansari Daeng Ayub Devi Maudiani Diccy Jainur Zukrina Fakhrurreza Fakhrurreza Heny Rofizar Isra Maulina Juliana Juliana Juliana Putri Khairiati, Khairiati Khalil, Munawar Khalish Khairina Linda Linda Linda Linda Liza, Fathul Mahdalena, Maulida Maulida Mahdalena Maulina, Marliah Maya Febriyanty Lautania Mira Safira Muhayatsyah, Ali Nanda Arva Nova Haryani Nuraida Nuraida Nurhikmah Nurhikmah Nurlisa Nurlisa Nurul A'la Nurul Affriza Nurul Haqiqi Oumar Tidiane Doumbouya Putri Sri Anita Rahmiana Rahmiana Ratna Auliana Rauzatul Amanda Razali Razali Salsazila, Melur Sofyan Arianto Suryani Suryani Suryani Suryani Suryani Suryani Suryani Suryani Syafriil Nasution Syahputra, Angga Ulfa, Nora Utari Rahayu Lubis Widiastuti Widiastuti Zulfadhli Zulfadhli Zulfadhli Zulfadhli Zulfikar Zulfikar

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