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All Journal Iqtishoduna: Jurnal Ekonomi Islam Jurnal Akuntansi Bisnis dan Publik Jurnal Ilmiah Manajemen Kesatuan Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Jurnal Informatika Ekonomi Bisnis International Journal of Management, Economic and Accounting
Hernawaty
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Effect Of Financial Inclusion On Umkm Performance (Case Study Of Kota Pari Village) Hernawaty; Heriyati Chrisna; Sri Wahyuni; Patwa Nirmala
International Journal of Management, Economic and Accounting Vol. 2 No. 1 (2024): June 2024
Publisher : Yayasan Multidimensi Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61306/ijmea.v2i1.229

Abstract

The purpose of the study is to analyze the influence of financial inclusion on the performance of MSMEs in Kota Pari Village which has good enough potential to develop. Micro, small, and medium enterprises (MSMEs) contribute to reducing unemployment, poverty, equitable development and community income. However, MSMEs also experience obstacles in the development process. One of the common problems faced is the limitations of working capital, technology, production, marketing and business operations, and the quality of human resources. This will have an impact on performance if economic entities cannot manage their finances properly. To improve the performance of MSMEs, loan assistance from financial institutions is needed so that MSMEs can develop and be sustainable. Improving business financial management in order to facilitate loan repayment and develop the capital owned in order to take advantage of existing opportunities and increase business turnover and profits. This effort will certainly be realized soon if the level of financial inclusion of MSMEs is high enough. The research sample is the owners and managers of MSMEs in Kota Pari Village as many as 80 respondents. This study uses a quantitative method. The data collection method uses a non-probability sampling technique using a questionnaire. The data analysis techniques used are descriptive analysis of percentages, instrumental tests, and hypothesis tests. The instrument test consists of a validity test and a reliability test. The hypothesis test consists of a simple regression, a partial test (t-test) and a partial determination coefficient (r2). Based on the results of the research that has been carried out, it is known that financial inclusion has an effect on the financial performance of MSMEs in Pari City, this is strengthened by the results of hypothesis tests obtained with a sig. 0.000 that is declared to have a positive effect.
A Systematic Review of Shariah-Compliant Hedging: Foundations, Instruments, Practices, and Challenges Hernawaty
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 6 (2025): JIMKES Edisi November 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i6.4082

Abstract

Islamic finance has grown significantly, creating a demand for risk management tools that comply with religious principles prohibiting interest, excessive uncertainty, and gambling. This study aims to review the concepts, instruments, practices, and challenges of Shariah-compliant hedging to understand its alignment with Islamic principles and market needs. A systematic literature review was conducted, analyzing 25 publications from 2015 to 2025, including a comprehensive literature review to identify theoretical foundations, instrument designs, and implementation gaps. The findings reveal that instruments like unilateral promise-based forwards, commodity trade-based swaps, forward sales, manufacturing contracts, and earnest money contracts enable risk management but face challenges such as high transaction costs and regulatory disparities. This review uniquely synthesizes theoretical and practical insights, highlighting tensions between Shariah authenticity and economic efficiency. Despite progress, issues like form-over-substance criticisms and lack of standardized regulations persist, limiting market accessibility. The study concludes that Shariah-compliant hedging is viable but requires innovation in instrument design and regulatory harmonization to balance ethical compliance with financial competitiveness, offering valuable insights for practitioners and policymakers seeking to advance Islamic risk management.
The Relationship Between Psychological Well-Being And Work Productivity Education Staff At Universitas Pembangunan Panca Budi Nuraini Kemalasari Istiqamah; Hernawaty; Geby Citra Ananda
International Journal of Management, Economic and Accounting Vol. 4 No. 1 (2026): February 2026
Publisher : Yayasan Multidimensi Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61306/ijmea.v4i1.706

Abstract

This study aims to analyze the relationship between psychological well-being and the work productivity of education personnel at Universitas Pembangunan Panca Budi (UNPAB) Medan. Psychological well-being is a positive psychological condition that includes six main dimensions according to Ryff (1989), namely self-acceptance, positive relationships with others, autonomy, mastery of the environment, life goals, and personal growth. The research method used is quantitative correlational with a survey approach. The research population is all UNPAB education staff totaling 120 people, with a sample of 92 people determined using the Slovin formula. Data collection was carried out through the Scales of Psychological Well-Being (SPWB) questionnaire and work productivity scales that have been tested for validity and reliability. Data analysis used Pearson Product Moment correlation and simple linear regression. The results showed that there was a positive and significant relationship between psychological well-being and the work productivity of UNPAB education personnel (r = 0.712; p < 0.01), with a determination coefficient of 50.7%. The dimension of life goals and mastery of the environment are the strongest predictors of work productivity. The implications of this study emphasize the importance of psychological welfare improvement programs for education personnel to support the performance of institutions in a sustainable manner.
Co-Authors Elmo Novera Erika Safitri Geby Citra Ananda Heriyati Chrisna Isnaini Harahap Nuraini Kemalasari Istiqamah Nurhayati Patwa Nirmala Ramadhan Harahap Sarah, Ranti May Sari, Maya Macia Sri Wahyuni Suwarno