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All Journal ETIKONOMI Jurnal Bisnis dan Ekonomi Economic Journal of Emerging Markets SEGMEN Jurnal Manajemen dan Bisnis MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Proceedings of Annual International Conference Syiah Kuala University - Life Sciences & Engineering Chapter HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Mimbar Agribisnis: Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis Jurnal Manajemen & Keuangan Jurnal Akuntansi dan Pembangunan (JAKTABANGUN) International Research Journal of Business Studies (E-Journal) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Management Research and Behavior Journal Media Riset Akuntansi Auditing & Informasi International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Altafani Transformasi Masyarakat : Jurnal Inovasi Sosial dan Pengabdian Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Intelek Insan Cendikia Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA)
Ghazali Syamni
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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ANALYSIS OF GREEN BANKING PRACTICES USING THE ENVIRONMENTAL RISK INDEX AND ITS IMPACT ON THE FINANCIAL PERFORMANCE OF BANKS LISTED ON THE INDONESIAN STOCK EXCHANGE Amalia Fitri; Chairil Akhyar; Marzuki; Ghazali Syamni
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 4 No. 3 (2026): January
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20519522

Abstract

This study analyzes the effect of green banking practices on the financial performance of banks in Indonesia using the Environmental Risk Index (ERI) as a proxy. Panel data from seven banks listed on the Indonesian Stock Exchange for the period 2018-2024 were analyzed using the Entropy Weight Method and panel data regression. The results of the study reveal specific findings: ERI does not have a significant effect on ROA and NIM, but it has a negative and significant effect on ROE. These findings strongly indicate that the implementation of green banking in Indonesia is still in a transitional phase. The short-term costs arising from sustainability initiatives have been statistically proven to burden the rate of return on equity (shareholder's return), although their impact on asset-based profitability (ROA) and interest margin (NIM) has not yet been observed. This study provides important implications for banks and regulators that sustainability strategies need to be optimized to align with value creation for shareholders.
THE EFFECT OF FINANCIAL LITERACY, LIFESTYLE, AND SOCIAL MEDIA INTERACTION ON DOOM SPENDING BEHAVIOUR WITH FOMO AS MEDIATOR Hawa Zahrani; Husaini; Ghazali Syamni; Chairil Akhyar; Nurhasanah
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 5 No. 1 (2026): July
Publisher : PT. Radja Intercontinental Publishing

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Abstract

This study aims to analyse the influence of financial literacy, lifestyle, and social media interaction on doom spending behaviour, with Fear of Missing Out (FOMO) as a mediating variable, among students in the Faculty of Economics and Business at Universitas Malikussaleh. Excessive, anxiety-driven spending has become increasingly common among the younger generation as they navigate economic uncertainty and pervasive digital exposure, making it important to understand which psychological, social, and financial factors drive this behaviour among university students. A quantitative research design was employed using a survey method distributed to active university students selected through purposive and proportional sampling. Data were analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM) with a sample of 140 respondents. The findings reveal that financial literacy, social media interaction, and FOMO significantly and positively affect doom spending behaviour, whereas lifestyle does not exhibit a significant effect. Furthermore, the mediation analysis indicates that FOMO mediates the relationship between social media interaction and doom spending behaviour, but does not mediate the relationships of financial literacy or lifestyle with doom spending behaviour. These findings confirm that FOMO functions as a key psychological mechanism reinforcing consumptive behaviour among students, and that financial knowledge alone is insufficient to prevent it. The results suggest that initiatives to reduce excessive spending among students should combine financial literacy education with healthier, more mindful social media use and emotional-regulation support.
THE IMPACT OF THE LOCAL GOVERNMENT FINANCIAL INDEPENDENCE RATIO, THE LOCAL REVENUE EFFECTIVENESS RATIO, AND THE EXPENDITURE EFFICIENCY RATIO ON THE FINANCIAL PERFORMANCE OF REGENCIES AND CITIES IN ACEH PROVINCE Marzuki; Nadia Mulya; Ghazali Syamni; Muttaqien
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 4 No. 4 (2026): April
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21989967

Abstract

This study aims to analyze the impact of the local government financial autonomy ratio, the Local Own-Source Revenue (PAD) effectiveness ratio, and the expenditure efficiency ratio on the financial performance of regencies and cities in Aceh Province. This study uses a combination of cross-sectional and time-series data from 23 regencies and cities in Aceh Province for the years 2020–2024. The analysis method used is panel data regression using EViews 14. The results show that the local financial autonomy ratio and the PAD effectiveness ratio have a positive and significant effect on local financial performance. Meanwhile, the expenditure efficiency ratio does not have a significant effect on local financial performance. The combined effect of the local financial autonomy ratio, the PAD effectiveness ratio, and the expenditure efficiency ratio on local financial performance accounts for 92.36%, while the remaining 7.64% is influenced by other variables outside the scope of this study. The results of this study indicate that increasing local financial autonomy and the effectiveness of PAD management are key factors in improving local financial performance in the regencies and cities of Aceh Province.
Pengaruh Likuiditas, Leverage, dan Profitabilitas terhadap Nilai Perusahaan pada Perbankan di Indonesia Aditya Aditya; Ghazali Syamni; Rico Nur Ilham; Chairil Akhyar
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 3 No. 04 (2026): AGUSTUS - SEPTEMBER 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh likuiditas, leverage, dan profitabilitas terhadap nilai perusahaan pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia periode 2020–2024. Penelitian menggunakan pendekatan kuantitatif dengan data sekunder dari 45 perusahaan perbankan yang dianalisis menggunakan regresi data panel Fixed Effect Model. Hasil penelitian menunjukkan bahwa likuiditas tidak berpengaruh signifikan terhadap nilai perusahaan. Sebaliknya, leverage dan profitabilitas berpengaruh positif dan signifikan terhadap nilai perusahaan. Temuan ini menunjukkan bahwa keputusan pendanaan dan kemampuan perusahaan menghasilkan laba menjadi faktor yang lebih menentukan dalam meningkatkan nilai perusahaan.
Perilaku Keuangan dan Persepsi Generasi Milenial dan Z terhadap Fintech pada UMKM Kota Langsa Nadia Amanda; Ghazali Syamni; Jummaini Jummaini; Marzuki Marzuki
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 3 No. 04 (2026): AGUSTUS - SEPTEMBER 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini bertujuan untuk menganalisis perilaku keuangan dan persepsi terhadap Financial Technology (Fintech), serta menganalisis perbedaan perilaku keuangan dan persepsi terhadap Fintech antara Generasi Milenial dan Generasi Z pada pelaku UMKM di Kota Langsa. Penelitian menggunakan pendekatan kuantitatif dengan metode survei. Sampel terdiri atas 124 pelaku UMKM yang dipilih menggunakan teknik purposive sampling. Data dikumpulkan melalui kuesioner skala Likert dan dianalisis menggunakan uji validitas, reliabilitas, analisis deskriptif, uji normalitas, uji homogenitas, dan Independent Sample t-test dengan bantuan IBM SPSS. Hasil penelitian menunjukkan terdapat perbedaan perilaku keuangan yang signifikan antara Generasi Milenial dan Generasi Z dengan nilai t sebesar 4,182 dan signifikansi 0,000. Rata-rata perilaku keuangan Generasi Z sebesar 53,0806 lebih tinggi dibandingkan Generasi Milenial sebesar 49,9516. Sementara itu, persepsi terhadap Fintech tidak menunjukkan perbedaan yang signifikan dengan nilai t sebesar 1,030 dan signifikansi 0,305, meskipun rata-rata Generasi Z sebesar 28,5484 sedikit lebih tinggi dibandingkan Generasi Milenial sebesar 28,1613. Temuan ini menunjukkan bahwa karakteristik generasi masih membedakan perilaku keuangan, sedangkan persepsi terhadap Fintech relatif sama karena layanan keuangan digital telah menjadi bagian dari aktivitas usaha kedua kelompok
Pengaruh Indeks Harga Saham Dunia Terhadap IHSG : Studi Empiris Pada 5 Indeks Saham Terbesar Nadiatun Nisa; Ristati Ristati; Ghazali Syamni; Nurlela Nurlela
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 3 No. 04 (2026): AGUSTUS - SEPTEMBER 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini bertujuan menganalisis pengaruh Dow Jones Industrial Average (DJIA), NASDAQ Composite, Hang Seng Index (HSI), Nikkei 225, dan EURO STOXX 50 terhadap Indeks Harga Saham Gabungan (IHSG) sebagai dampak meningkatnya integrasi pasar modal global. Penelitian menggunakan data sekunder harian periode 5 Januari 2024–29 Juni 2026 yang diperoleh dari Yahoo Finance dan Investing.com, dengan metode regresi linier berganda menggunakan Python. Hasil penelitian menunjukkan bahwa secara parsial DJIA dan NASDAQ Composite tidak berpengaruh signifikan terhadap IHSG, sedangkan HSI, Nikkei 225, dan EURO STOXX 50 berpengaruh positif dan signifikan terhadap IHSG, dengan Nikkei 225 sebagai variabel yang memberikan pengaruh paling dominan. Secara simultan, kelima indeks saham dunia berpengaruh signifikan terhadap IHSG. Nilai Adjusted R² sebesar 0,198 menunjukkan bahwa model mampu menjelaskan 19,8% variasi pergerakan IHSG, sedangkan 80,2% dipengaruhi oleh faktor lain di luar model penelitian. Hasil penelitian ini diharapkan dapat menjadi referensi bagi investor dan peneliti dalam memahami keterkaitan pasar modal Indonesia dengan pasar saham global.
THE MEDIATION ROLE OF WORK MOTIVATION IN THE RELATIONSHIP BETWEEN COMPETENCY, TRANSFORMATIONAL LEADERSHIP , AND ORGANIZATIONAL CULTUREON THE PERFORMANCE OF SATPOL PP AND WH EMPLOYEES IN LHOKSEUMAWE CITY Teuku Rully; Herman Fithra; Marbawi; Jullimursyida; Nur Faliza; Ghazali Syamni
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 6 No. 5 (2026): October
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.22074086

Abstract

This study aims to analyze the influence of competence, transformational leadership, and organizational culture on employee performance, with work motivation as a mediating variable. This research was conducted at the Pamong Praja and Wilayatul Hisbah Police Unit (Satpol PP and WH) of Lhokseumawe City. The research method uses a quantitative approach with a sample of 186 respondents determined through the Slovin formula and simple random sampling techniques. Data collection was carried out through a questionnaire and analyzed using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method with SmartPLS 4.0 software. The results of the study show that competence, transformational leadership, and organizational culture have a positive and significant effect on work motivation. In addition, competence, transformational leadership, organizational culture, and work motivation also have a positive and significant effect on employee performance. The main finding of this study is that work motivation is proven to partially mediate the influence of competence, transformational leadership, and organizational culture on employee performance. Thus, improving employee performance requires strengthening competencies, transformational leadership, and organizational culture in an integrated manner, with work motivation as a psychological mechanism that strengthens the influence of these three variables.
Pengaruh Environmental, Social, Governance (ESG) Disclosure, Profitabilitas, dan Leverage  terhadap Nilai Perusahaan  Perbankan di Indonesia Rifky Ramandha; Ghazali Syamni; Darmawati Muchtar; Ristati Ristati
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 3 No. 04 (2026): AGUSTUS - SEPTEMBER 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Environmental, Social, and Governance (ESG) Disclosure, Return on Assets (ROA), dan Debt to Equity Ratio (DER) terhadap nilai perusahaan yang diproksikan dengan Price to Book Value (PBV) pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia periode 2020–2024. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder yang diperoleh dari laporan tahunan dan laporan keberlanjutan perusahaan. Sampel penelitian terdiri atas 45 perusahaan dengan total 225 observasi selama periode pengamatan. Analisis data dilakukan menggunakan regresi data panel dengan Fixed Effect Model (FEM) dan estimasi cross-section weights. Hasil penelitian menunjukkan bahwa ESG Disclosure berpengaruh negatif dan signifikan terhadap nilai perusahaan. ROA berpengaruh negatif dan signifikan terhadap nilai perusahaan, sedangkan DER berpengaruh positif dan signifikan terhadap nilai perusahaan. Hasil uji simultan menunjukkan bahwa ESG Disclosure, ROA, dan DER secara bersama-sama berpengaruh signifikan terhadap nilai perusahaan. Nilai R-squared sebesar 0,7651 menunjukkan bahwa 76,51% variasi nilai perusahaan dapat dijelaskan oleh variabel dalam model penelitian, sedangkan 23,49% sisanya dijelaskan oleh faktor lain di luar model.
THE EFFECT OF QRIS USE, FINANCIAL BEHAVIOR, FINANCIAL ATTITUDE, AND FINANCIAL KNOWLEDGE ON THE FINANCIAL PERFORMANCE OF MSMES IN LHOKSEUMAWE CITY Amelia Nufara; Ristati; Ghazali Syamni; Marzuki
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 5 No. 3 (2027): January - ON PROGRESS
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.22729072

Abstract

This study aims to analyze the influence of QRIS usage, Financial Behavior, Financial Attitude, and Financial Knowledge on the financial performance of MSMEs in Lhokseumawe City. This study employed a quantitative approach with a sample of 102 respondents selected using the purposive sampling technique. The data were analyzed using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method with the assistance of SmartPLS 4. The results indicate that QRIS usage and Financial Knowledge have no significant effect on the financial performance of MSMEs. In contrast, Financial Behavior and Financial Attitude have a positive and significant effect on the financial performance of MSMEs. These findings suggest that the financial performance of MSMEs in Lhokseumawe City is more influenced by financial management behavior and attitudes than by QRIS usage or financial knowledge.
Peningkatan Kecakapan Pengelolaan Keuangan Pribadi Pemuda melalui Pelatihan Budgeting dan Pencatatan Pengeluaran Digital Ghazali Syamni; Zulkifli Zulkifli; Nurlela Nurlela; Ratna Husein; Em Yusuf Iis; Harley Agustian
Transformasi Masyarakat : Jurnal Inovasi Sosial dan Pengabdian Vol. 3 No. 4 (2026): Oktober: Transformasi Masyarakat : Jurnal Inovasi Sosial dan Pengabdian
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/transformasi.v3i4.3676

Abstract

Personal financial management is an important skill for young people to manage income, prioritize needs, and control expenses. However, the ability to prepare budgets and record transactions systematically needs to be strengthened through practical and applicable learning. This community service activity aimed to improve young people's personal financial management skills through training in budgeting and digital expense recording in Blang Pulo Village, Lhokseumawe City. The activity was conducted on October fourth, two thousand twenty-six, involving twenty-one participants aged twenty to twenty-four years. The implementation stages consisted of coordination, needs assessment, material delivery, demonstration, guided practice, and evaluation. Participants were trained to identify funding sources, prioritize needs, prepare budgets, categorize transactions, and record and review expenses using digital media. Evaluation was conducted through pre-tests and post-tests, practice worksheets, observation, demonstration checklists, and participant feedback. The results showed improvements in understanding the function of budgeting, from less than half of participants to most participants; transaction categorization skills, from less than one-third of participants to most participants; budgeting skills, from less than one-quarter of participants to most participants; and digital transaction recording skills, from less than one-fifth of participants to nearly all participants. Nearly all participants responded positively to the training materials. These findings indicate that practice-based training can be an effective approach to strengthening basic personal financial management skills among young people.
Co-Authors . Zulfan Abd Majid, M. Shabri Aditya Aditya Aisyah Putri Andriani Siregar Aiyub Aiyub Akhyar, Chairil Alifcha Novanda Alya Maulisa Alya Maulisa Amalia Fitri Amalia Fitri Amelia Nufara Arilasta Irawan Arsya Ardana Arya Permana Ginting Arya Permana Ginting Azhar , Bambang Ali Nugroho Bambang Arjuna Putra Bambang Arjuna Putra Darmawati Darmawati Muchtar Darmawati Mukhtar Darmawati Mukhtar Delia Ananda Delia Ananda Ella Nabila EM Yusuf Iis Faisal Faisal, Faisal Farica Yusrina Lubis Frengki Putra Ramansyah Harley Agustian Harley Agustian Hasatiru Auwa Hasatiru Auwa Hasibuan, Ahmad Fauzul Hakim Hawa Zahrani Hendra Raza Herman Fithra Husaini Husaini Husaini Husaini Ikhsan Nur Ilham Ikhsan Nur Ilham Ikram Ikramuddin, Ikramuddin Indah Sari Yusmita Indah Sari Yusmita Intan Ulia Intan Ulia Iqbaal Fauzi Pakpahan Irnianita Irnianita Iswadi Iswadi Bensaadi Jamilah Juilimursyida Ganto Juliana Ariska Jullimursyida Jumadil Saputra Jummaini Khaira Khirnika Nirda Lala Merlita M. Shabri Abdul Majid Marzuki Marzuki Marzuki Mawardati Mawardati Miladi Sutanti Muchtar, Darmawati Muhammad Dava Rizki Muhammad Dava Rizki Muhammad Hafidz Akbar Muhammad Hafizh Muti Miftahul Jannah Muttaqien Muttaqien Muttaqien Muttaqien Muttaqien Muttaqien Nadia Amanda Nadia Mulya Nadiatun Nisa Nasir Azis Naz’aina Neo Agustina Nuhfil Hanani Nur Balkis Nur Faliza Nurfazila Nurhasanah Nurlela Nurlela Nurlela Nurlela Rabiatul Adawiah Berasa Rahmatillah Rahmatillah Raisa Salsabila Rasyidin M. Ratna Husein Reza Hendri Yana Reza Hendri Yana Rico Nur Ilham Rifky Ramandha Riga Sanjaya Ristati Ristati Said Musnadi Sari Yulis Terfiadi Sari Yulis Terfiadi Silvia Ananda Silvia Ananda Siswoyo Adi wijaya Siti Elan Nisa Siti Elan Nisa Sri Arini Suci Puji Suryani Syifa Azzahra Syifa Azzahra T.M Azani Teuku Rully Thasrif Murhadi Wahyuddin Wahyuddin Wahyuddin Wardhiah Wardhiah, Wardhiah Wasni Maisarah Widyana Verawaty Siregar Wirdha Ramadhani Yesi Safitri Zahrul Fuadi Zamzami Zainuddin Zaufani Putri Khairun Zaufani Putri Khairun Zuhra Zuhra Zulfan Zulfan Zulfan Zulfan Zulkifli