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All Journal Jurnal Ilmiah Mahasiswa Fakultas Ilmu Sosial & Ilmu Politik Jurnal Sains dan Teknologi Reaksi Jurnal Ekonomi dan Kebijakan Publik Indonesia Jurnal Hurriah: Jurnal Evaluasi Pendidikan dan Penelitian Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Hismendi Hismendi
Politeknik Negeri Lhokseumawe
Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Social Sciences

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Pengaruh Produk Domestik Regional Bruto, Laju Inflasi dan Tingkat Suku Bunga Terhadap Permintaan Kredit pada Bank-Bank Umum di Provinsi Aceh Hismendi Hismendi
Jurnal Ekonomi dan Kebijakan Publik Indonesia Vol 2, No 1 (2015): November 2015
Publisher : Syiah Kuala University

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Abstract

This research is intended to analyze the effect of regional gross domestic product (GDP), inflation and interest rates to the total demand for credit. The method of analysis used in this research is Ordinary Least Square (OSL), with a model secondary data sourced from Bank Indonesia (BI), the Central Statistics Agency (BPS) and data sourced from journals of economics, finance and banking. The results of the data analysis showed that the regional gross domestic product (regional GDP) and a significant positive effect on the demand for total loans, at commercial banks in the province of Aceh. For variable rate of inflation results are positive and significant impact on the total demand for loans at commercial banks in the province of Aceh. While the variable interest rates have negatif effect and significant on the demand for total loans at commercial banks in the province of Aceh. To the researchers expect the Government through the Bank Indonesia as the monetary authority should be able to take control measures against the macro economic variables, especially the movement of inflation because it affects the level of demand for credit. Bank Indonesia can make the determination of the benchmark interest rate in order to lower interest rates on commercial banks. A general decline in interest rates will impact the general increase in credit demand.
partisipasi masyarakat dalam proses perencanaan pembangunan desa di gampong barabung kecamatan darussalam kabupaten aceh besar Marlita Marlita; Hismendi Hismendi
Jurnal Ilmiah Mahasiswa Fakultas Ilmu Sosial & Ilmu Politik Vol 3, No 2 (2018): Mei 2018
Publisher : Jurnal Ilmiah Mahasiswa Fakultas Ilmu Sosial & Ilmu Politik

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AbstrakPenelitian ini bertujuan untuk mengetahui: (1) Proses perencanaan pembangunan Desa Di Gampong Barabung (2) Bentuk partisipasi masyarakat dalam proses perencanaan pembangunan Desa Di Gampong Barabung (3) Faktor-faktor yang menghambat masyarakat dalam proses perencanaan pembangunan Desa Di Gampong Barabung. Metode yang digunakan dalam penelitian ini adalah metode deskriptif kualitatif. Teknik pengumpulan data yang digunakan adalah observasi, wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa proses perencanaan pembangunan desa Di gampong barabung adalah dengan melakukan musrenbang/musyawarah rencana pembangunan desa, melalui musyawarah tersebut maka terdapat berbagai aspirasi masayarakat yang diusulkan dalam program pembangunan. Bentuk partisipasi masyarakat yang diberikan dalam perencanaan pembangunan desa yaitu berupa non fisik seperti sumbangan pemikiran, iuran, serta pengambilan keputusan yang menyangkut dengan tujuan rencana. Faktor-faktor yang menghambat  dalam proses perencanaan pembangunan desa yaitu sulit mengatur waktu dengan masyarakat, pola pemikiran masyarakat terhadap pemahaman pembangunan yang masih kurang serta serta berasumsi sebagai kerja sampingan. Kata kunci: Partisipasi Masyarakat, Perencanaan, Pembangunan Desa COMMUNITY PARTICIPATION IN VILLAGE DEVELOPMENT PLANNING PROCESS IN GAMPONG BARABUNG DISTRICT DARUSSALAM REGENCY OF ACEH BIG Abstract This study aims to determine:  (1) Village development planning process in Barabung village (2) Form of community participation in village development planning process in Barabung village (3) Factors that impede the community in planning process of village development in Barabung village. The method used in this study is descriptive qualitative method. Data collection techniques used are observation, structured interviews and documentation. The result of the research shows that the village development planning process in Gampong Barabung is by conducting deliberation of development planning/musyawarah of the village, through the discussion there are various aspirations of the community proposed in the development program so that the development program changes in three areas such as government apparatus field community development, and community empowerment. Forms of community participation given in village development planning that is in the form of non-physical such as the contribution of thoughts, dues, and decision-making related to the purpose of the plan. Factors that hamper the process of village development planning is difficult to arrange the time with the community, the pattern of community thinking on development is still lacking and assume as a side job.  Keywords: Community Participation, Planning, Village Development 
Characterization and Physical Propertiesof Terpene Compound in Citronella Essential oil as Sources of Antibacterial Perfume Teuku Rihayat; Rizal Syahyadi; Hismendi Hismendi; Nelly Safitri; Aida Safitri
Jurnal Sains dan Teknologi Reaksi Vol 20, No 02 (2022): Jurnal Sains dan Teknologi Reaksi
Publisher : Politeknik Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30811/jstr.v20i02.3403

Abstract

ABSTRACT Along with the development of modern industries such as the perfume, cosmetic, food, aromatherapy and pharmaceutical industries, the world's need for essential oils is increasing every year. Several parameters developed in this article include the effect of pressure (1, 2, 4, 6, 8) mmHg and time (20, 40, 60) minutes until final boiling point on the volume of oil produced and geraniol concentration. The analysis carried out was GCMS analysis and bacterial activity in the application of perfume products. From the research results it was found that at 1 atm pressure the geraniol concentration increased by 50% to 80.11%. Apart from these compounds, other compounds were also obtained such as citronellol, rhodinol and cheprol. at this pressure also produced the highest product volume of 21.2 ml. The application of the product resulting from the vacuum distillation process in the form of an anti-bacterial perfume at an incubation time of 48 hours has the strongest anti-bacterial activity with a diameter of 10.13 mm against Staphylococcus aureus bacteria.Keywords: Characterization, Citronella Oil, Vacuum Distillation, Perfume, Terpene
Pengaruh Kualitas Pelayanan, Kepercayaan, Risiko, Dan Teknologi Informasi Terhadap Penetrasi Pasar Keuangan Syariah Pada Bank BSI Area Langsa Aqlima Geubrina; Hismendi Hismendi; Hilmi Hilmi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i8.12244

Abstract

This study aims to analyze the influence of service quality, trust, perceived risk, and information technology on the market penetration of Islamic finance at Bank Syariah Indonesia (BSI) Area Langsa. The research employed a quantitative approach using Structural Equation Modeling–Partial Least Squares (SEM-PLS). Data were collected through questionnaires distributed to 270 active BSI customers in Langsa City who had experience using BSI banking services, including digital services.The results indicate that trust has a positive and significant effect on Islamic financial market penetration, with a path coefficient of 0.695 and a p-value of 0.000. Service quality also has a positive and significant effect, with a path coefficient of 0.159 and a p-value of 0.003. Information technology demonstrates a positive and significant effect, with a path coefficient of 0.316 and a p-value of 0.000. In contrast, perceived risk does not have a significant effect, with a path coefficient of 0.038 and a p-value of 0.383. The model explains 80.6% of the variance in Islamic financial market penetration (R² = 0.806), indicating strong explanatory power. Furthermore, information technology indirectly affects market penetration through trust, while mediation through service quality and risk is not significant.These findings suggest that enhancing customer trust, service quality, and digital technology adoption are crucial strategies for expanding the market penetration of Islamic finance. Therefore, BSI should continue strengthening customer confidence, enhancing service excellence, and optimizing information technology to expand its customer base and improve the competitiveness of Islamic banking services
THE URGENCY OF MARKET SIZE EVALUATION AND PRODUCT DIVERSIFICATION: Evidence from the Brick Industries in Bireuen Regency Mukhlis Mukhlis; Hismendi Hismendi; Ery Jayanti; Ismayli Saputra
JURNAL HURRIAH: Jurnal Evaluasi Pendidikan dan Penelitian Vol. 6 No. 3 (2025): Jurnal Hurriah: Journal of Educational Evaluation and Research
Publisher : Yayasan Pendidikan dan Kemanusiaan Hurriah Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56806/jh.v6i3.279

Abstract

The brick industry in Bireuen Regency has grown and developed as a home-based business. The average lifespan of these businesses is more than 3 years. The fixed cost burden borne is relatively low where the industrial location area is owned by the company. This shows that the brick business is relatively easy if it want to entry the market, especially in Bireuen. The purpose of this study is to highlight market size and product diversification as important aspects to be reviewed in an effort to develop the brick industry leading to a more profitable business venture in Bireuen Regency. This research was conducted using experimental-based primary data obtained from 199 business units in the Peusangan, Kota Juang, and Jeumpa sub-districts as production center areas. The methods of data and analysis with using the approaches; (i) Total Addressable Market (TAM), (ii) Serviceable Available Market (SAM), and (iii) Share of Market (SOM). Research shows that each brick business controls less than 2 percent of the market share. To expand the market size to the Regency’s Pidie Jaya and Bener Meriah, and even to Aceh Tengah and Pidie Regencies, it is necessary to diversify brick products by offering a variety of sizes and textures and adding additives. Thus, the brick industry has a competitive advantage over other products, such as lightweight bricks or concrete blocks.  
Bridging Faith and Finance: The Role of Financial Literacy and Behavior in Sharia-Compliant Fintech Adoption Among Entrepreneurs in Indonesia Nabila Hidayati; Hismendi Hismendi; Busra Busra
JURNAL HURRIAH: Jurnal Evaluasi Pendidikan dan Penelitian Vol. 6 No. 3 (2025): Jurnal Hurriah: Journal of Educational Evaluation and Research
Publisher : Yayasan Pendidikan dan Kemanusiaan Hurriah Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56806/jh.v6i3.301

Abstract

This study aims to examine the influence of financial knowledge and financial behavior on the interest in using Islamic financial technology (fintech) lending, with Sharia compliance as a moderating variable among MSME (Micro, Small, and Medium Enterprises) entrepreneurs in Lhokseumawe City. This is a field research employing a quantitative descriptive approach. The population comprises 6,352 MSME actors in Lhokseumawe, with samples selected through purposive sampling. A total of 144 respondents were included in the sample. Data analysis was conducted using Structural Equation Modeling (SEM). The results indicate that: (1) Financial knowledge and financial behavior have a positive and significant influence on Sharia compliance; (2) Sharia compliance and financial behavior significantly influence the interest in using Islamic fintech, while financial knowledge does not have a direct effect on fintech usage interest; (3) Sharia compliance fully mediates the relationship between financial knowledge and fint ech usage interest, and partially mediates the relationship between financial behavior and fintech usage interest. These findings highlight the importance of adherence to Sharia principles as a key factor influencing the interest of entrepreneurs in adopting Sharia-based fintech services.
Co-Authors Aida Safitri Aqlima Geubrina Busra Busra Ery Jayanti Hilmi Ismayli Saputra Marlita Marlita Mukhlis Mukhlis Nabila Hidayati Nelly Safitri Rizal Syahyadi Teuku Rihayat