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All Journal Jurnal Pembelajaran MIPA SEMIRATA 2015 Walisongo Journal of Chemistry Jurnal Informasi dan Teknologi Jurnal Pengabdian Masyarakat: Darma Bakti Teuku Umar Jurnal Riset Entrepreneurship Prima Abdika: Jurnal Pengabdian Masyarakat Jurnal Ilmiah Teunuleh: The International Journal of Social Sciences Jurnal Pengabdian Masyarakat (ABDIRA) Edu Cendikia: Jurnal Ilmiah Kependidikan Jurnal Ekonomi dan Pembangunan Jurnal Ekobismen Jurnal Serambi Ekonomi dan Bisnis PENG: Jurnal Ekonomi dan Manajemen Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research Ekonomika : Jurnal Ekonomi dan Pembangunan Jurnal Ilmiah Ekonomi Terpadu
Mahrizal Mahrizal
Jurusan Fisika FMIPA UNP, Padang
Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Mathematics Nursing Social Sciences Other

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Journal : Jurnal Ilmiah Teunuleh: The International Journal of Social Sciences

 1 
Relationship Between MSMES and Financial Institutions in West Aceh Yasrizal, Yasrizal; Harmaini, Harmaini; Manan, Afni Abd; Mahrizal, Mahrizal
Jurnal Ilmiah Teunuleh Vol. 4 No. 1 (2023): Jurnal Ilmiah Teunuleh
Publisher : Teunuleh Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51612/teunuleh.v4i1.116

Abstract

This study aims to analyze the relationship between Micro, Small, and Medium Enterprises (MSMEs) and financial institutions concerning loan repayment. The data used in this research is both qualitative and quantitative primary data. The study collected a sample of 100 micro and small enterprises distributed in Aceh Barat. The data analysis employed probability and binary logit models.The results of the data analysis indicate that loan repayment difficulties, interest rates, collateral, and own capital have a negative impact on MSMEs' access to financial institutions. The variable that has the most significant impact on MSMEs' accessibility to financial institutions is the interest rate, followed by collateral and own capital. To improve MSMEs' access to financial institutions, government attention is crucial. Providing low-interest credit for MSMEs, easing collateral requirements, and promoting the establishment of various Islamic financial institutions are essential steps. This is because the growth of MSMEs contributes to increased employment opportunities and economic growth.
Regional Financial Efficiency Ratio and Suitability in Improving Regional Development of West Aceh Regency Yasrizal, Yasrizal; Wahyuningsih, Yayuk Eko; Mahrizal, Mahrizal; Harmaini, Harmaini; Syafrizal, Syafrizal
Jurnal Ilmiah Teunuleh Vol. 4 No. 3 (2023): Jurnal Ilmiah Teunuleh
Publisher : Teunuleh Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51612/teunuleh.v4i3.147

Abstract

In the analysis of the financial condition of Aceh Barat Regency, it was revealed that significant dependence on Central Transfers, especially through the General Allocation Fund (DAU) and the Special Allocation Fund (DAK), creates challenges in achieving stable financial independence. Although Locally Generated Revenue (PAD), such as regional taxes and levies, contributes to the revenue, the fluctuations indicate the complexity and risk in achieving financial balance. Diversifying revenue sources has become a primary focus to address dependence on natural resources and the fisheries sector, as well as external fluctuations. Optimizing regional taxes, levies, and developing the tourism sector are key strategies to strengthen Locally Generated Revenue. Moreover, the analysis of the Regional Financial Efficiency Ratio (REKD) indicates characteristics of inefficiency or inefficiency during the 2011-2022 period, highlighting the need for improvements in budget management and revenue collection. The Compatibility Ratio, which shows an increase in Operating Expenditure and a tendency to decrease Capital Expenditure, underscores the need to achieve a better balance between long-term investment and operational activities. Therefore, Aceh Barat Regency needs to take proactive steps in enhancing financial efficiency, diversifying income, and allocating funds wisely to achieve sustainable economic growth and financial stability.
WHAT INFLUENCES UNEMPLOYMENT IN ACEH PROVINCE Mahrizal, Mahrizal; Maidiansyah, Putra
Jurnal Ilmiah Teunuleh Vol. 3 No. 4: Jurnal Ilmiah Teunuleh | December 2022
Publisher : Teunuleh Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51612/teunuleh.v3i4.115

Abstract

Indonesia is one of the countries with the largest population in the world and is a big capital for Indonesia in development. A large population if not managed properly will cause unemployment problems. The most remote province of Sumatra, namely the province of Aceh, is one of the provinces that has a high open unemployment rate. Thus, it is necessary to analyze the factors that influence the open unemployment rate. This study aims to analyze the effect of the provincial minimum wage, economic growth and inflation on the open unemployment rate in Aceh Barat district. The type of research used is quantitative research using multiple linear regression method with time series data (time series) for 2012-2021, namely 10 years including provincial minimum wage data, economic growth data, inflation data, open unemployment rate data, and processed using the SPSS program. 25. The results of this study indicate that simultaneously the F test of the provincial minimum wage, economic growth and inflation together affects the level of open unemployment in Aceh Barat district. While partially, namely the t test, it is concluded that the provincial minimum wage has a positive and significant effect on the level of open unemployment, economic growth has a negative and significant effect on the unemployment rate and inflation has a negative and significant effect on the open unemployment rate in Aceh Barat district.
An Integrative Model of Digital Financial Inclusion in Indonesia: The Role of Financial Literacy, Fintech Adoption, and The Use of Open Finance Yasrizal, Yasrizal; Mahdani, Said; Mahrizal, Mahrizal; Arimi, Sailal
Jurnal Ilmiah Teunuleh Vol. 6 No. 2 (2025): Jurnal Ilmiah Teunuleh
Publisher : Teunuleh Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51612/teunuleh.v6i2.210

Abstract

Digital financial inclusion has emerged as a strategic pathway to ensure that all segments of society—including those in remote areas—can access financial services fairly and easily. Despite the rapid growth of financial technology and increasing internet penetration, significant barriers still hinder the optimal use of digital financial services. This study develops an integrative model based on a systematic literature review of reputable international publications over the past decade, aiming to explore how financial literacy, attitudes toward technology, risk perception, and trust shape individuals’ decisions to adopt fintech services. The findings reveal that financial literacy not only drives fintech adoption but also enhances the quality of digital financial service usage. Meanwhile, risk perception remains a major barrier, whereas trust and positive attitudes toward technology act as key enablers. Fintech adoption serves as a crucial bridge toward broader financial inclusion, with open finance further strengthening this relationship by enabling more personalized, efficient, and integrated financial services. The study recommends strengthening digital financial literacy programs, enhancing consumer protection frameworks, and accelerating the development of open finance regulations as critical steps toward a safer, fairer, and more inclusive digital financial ecosystem in Indonesia.
Co-Authors Abrarurrazi, Teuku Aglis Andhita Hatmawan, Aglis Andhita Akmal, Syamsul Akmam Akmam Alfiana Alisman, Alisman ANI SAFITRI, ANI Anjar Purba Asmara Arisna, Puput Arjuniadi, Arjuniadi Cut Azwar AB, Banta Defi Pujianto Hadi, Fajri Harmaini Harmaini Hartini Helmi Noviar Heni Pujiastuti I Gusti Bagus Wiksuana Ida Ayu Putu Sri Widnyani Indrapraja, Rachmadi Irma Agustina Izwar, Izwar Jekki Irawan Judijanto, Loso Julia Julia Leli Putri Ansari Lizikrina, Reza mahdani, said Maidiansyah, Putra Maimunah, Maimunah Manan, Afni Abd Manan, Afni Abdul Marwida, Nani Masmin Masmin Mauliya, Mara Muhammad Khairil Muhammad Nur Mulyani, Nani Noval Suhendra Novia Lizelwati Rahmah, Maulidia Rianti, Rianti Risnanda, Risnanda Sailal Arimi Sandy, Dea Maulina Sari, Selly Nurlela Sinaga, Victor Lamboy Sri Wahyuni Syafrizal Syafrizal Syahril Syahril Umar, Nyak Vauza, Saievi Venny Haris Wahyuningsih, Yayuk Eko Welna Risna Yenti Wulandari, Ayu Ratna Yanti, Wija Yasrizal