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All Journal Jurnal Riset Keuangan dan Akuntansi (JRKA) JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) KAIBON ABHINAYA : JURNAL PENGABDIAN MASYARAKAT Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Abdimas Ilmiah Citra Bakti (JAICB) Mattawang: Jurnal Pengabdian Masyarakat International Journal of Economy, Education and Entrepreneurship (IJE3) Indonesian Journal of Economy, Business, Entrepreneuship and Finance (IJEBEF) Jurnal Abdimas Bina Bangsa Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Jurnal Ekonomi Jurnal Bina Bangsa Ekonomika Batara Wisnu : Indonesian Journal of Community Services Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Bussman Journal : Indonesian Journal of Business and Management Jurnal Pengabdian Kepada Masyarakat National Conference on Applied Business, Education & Technology (NCABET) Jurnal Ilmiah Pengabdian Kepada Masyarakat Jurnal Ilmiah Ekonomi, Manajemen dan Syariah Prosiding Amal Insani Foundation Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi (JEBIMAN)
Surti Zahra
Universitas Bina Bangsa
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Physics Public Health Social Sciences Other

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EDUKASI LEGALITAS USAHA SEBAGAI UPAYA PERLINDUNGAN HUKUM BAGI PEMILIK UMKM Surti Zahra; Malik Fatoni; Firmansah Firmansah; Ajeng Gita Firda; Fadya Fadya
MULIA (Jurnal Pengabdian kepada Masyarakat) Vol. 3 No. 2 (2025): Februari 2025
Publisher : Amal Insani Foundation

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Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memainkan peran penting dalam perekonomian di kelurahan. Namun, banyak pemilik UMKM dikelurahan tinggar yang belum memahami pentingnya legalitas usaha, yang pada akhirnya dapat menghambat perkembangan usaha mereka dan meningkatkan risiko hukum. Sosialisasi ini bertujuan untuk mengkaji efektivitas edukasi legalitas usaha dalam memberikan perlindungan hukum bagi pemilik UMKM. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan studi kasus pada beberapa UMKM di wilayah tertentu. Hasil penelitian menunjukkan bahwa edukasi mengenai legalitas usaha tidak hanya meningkatkan kesadaran hukum di kalangan pemilik UMKM, tetapi juga memberikan rasa aman dan perlindungan hukum yang lebih baik. Edukasi yang berkelanjutan dan tepat sasaran terbukti efektif dalam mendorong pemilik UMKM untuk segera melakukan legalisasi usaha mereka. Sosialisasi ini menyarankan adanya kerjasama yang lebih erat antara pemerintah dan lembaga terkait untuk meningkatkan program edukasi legalitas usaha guna melindungi dan memperkuat UMKM di kelurahan tinggar.
SOSIALISASI DAN EDUKASI AKAD SYARIAH UNTUK MENINGKATKAN PEMAHAMAN PESERTA EKSTRAKURIKULER PMR SMK KARYA WIJAYA KUSUMA Siska Ariyanti; Zahra Nur Azizah, Lulu Rahmawati, Putri Jamilah, Surti Suti Ludiyawati, Nanda Vinolia Pratama, Devi
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 4 No. 1 (2026): JEBIMAN: Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi
Publisher : CV. ADIBA AISHA AMIRA

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Abstract

This study aims to describe the improvement in the understanding of participants in the Wijaya Kusuma Vocational School Youth Red Cross extracurricular programme regarding sharia contracts through community service activities based on material presentation, discussion, and pretest–posttest evaluation. The subjects of the activity were 15 tenth-grade students who were partners in the sharia contract socialisation and education programme at the vocational school. Sharia contracts are positioned as agreements between two or more parties based on sharia principles, avoiding usury, gharar, and harmful practices. The implementation method included the delivery of material on the basics of sharia economics, types of contracts, and examples of their application, followed by interactive discussions and multiple-choice tests before and after the activity. The results show an increase in the average score from the medium-high category in the pretest to a higher category in the posttest, with several indicators such as understanding mudharabah, gharar, and halal transactions showing an improvement in the percentage of correct answers. These findings indicate that a communicative and structured learning approach is effective in strengthening Islamic contract literacy among vocational high school students.
CROSS-BORDER PAYMENT DIGITALIZATION: THE PHENOMENON OF QRIS ACCEPTANCE IN MALAYSIA FROM THE PERSPECTIVE OF THE DIGITAL ECONOMY AND MSME EMPOWERMENT Andi Hasyriningsih Asfar; Siti Fatonah; Malik Fatoni; Surti Zahra; Didi Wandi; Hendry Gunawan
Prosiding Amal Insani Foundation Vol. 3 (2026): PROSIDING INTERNASIONAL
Publisher : Amal Insani Foundation

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Abstract

This study aims to analyze a unique phenomenon identified during an international community service activity in Malaysia, namely the refusal of cash payments in Indonesian rupiah and Singapore dollars in several souvenir shops, while digital payments based on QRIS were accepted. This phenomenon is noteworthy as it reflects a shift in cross-border transaction practices from conventional systems toward regionally integrated digital payment systems. The study employs a descriptive qualitative approach through field observation and a literature review related to payment connectivity between Bank Indonesia and Bank Negara Malaysia. The analysis focuses on the implications of digital economy development for transaction efficiency and MSME empowerment. The findings indicate that cross-border QR code interoperability not only enhances transaction efficiency and convenience but also strengthens financial inclusion and ASEAN economic integration. These results suggest that payment digitalization has the potential to become a new model of technology-based economic integration in Southeast Asia. This study provides a contemporary perspective on the transformation of cross-border payment systems and opens further discussion on the future of the regional digital economy.
THE IMPACT OF GEOPOLITICAL PRESSURE PROXIED BY AVTUR PRICES ON THE FINANCIAL PERFORMANCE OF AIRLINES LISTED ON THE INDONESIAN STOCK EXCHANGE: THE MEDIATION ROLE OF OPERATIONAL COSTS Qory Meidina Izria; Pramudi Harsono; Surti Zahra
International Journal of Economy, Education and Entrepreneurship (IJE3) Vol. 6 No. 2 (2026): International Journal of Economy, Education and Entrepreneurship
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ije3.v6i2.494

Abstract

This study analyzes the effect of geopolitical pressure in the energy market, proxied by aviation fuel prices, on the financial performance of airlines listed on the Indonesia Stock Exchange, with operating costs as a mediating variable. Financial performance is measured using Return on Equity (ROE). This research applies a quantitative associative-causal approach using quarterly panel data from 2022 to 2025 on two airline issuers, namely PT AirAsia Indonesia Tbk (CMPP) and PT Garuda Indonesia (Persero) Tbk (GIAA), resulting in 32 observations. Financial data were obtained from public financial reports, while aviation fuel price data were collected from official aviation fuel price sources. Aviation fuel prices and operating costs were transformed into natural logarithms to ensure proportional data scaling. The data were analyzed using linear regression, path analysis, and the Sobel test with SPSS 25. The results show that aviation fuel prices do not have a significant direct effect on ROE (β = -0.054; t = -1.424; p = 0.165). Aviation fuel prices have a positive and significant effect on operating costs (β = 0.624; t = 3.386; p = 0.002), while operating costs have a negative and significant effect on ROE (β = -0.881; t = -2.452; p = 0.020). Mediation testing indicates that operating costs fully mediate the effect of aviation fuel prices on ROE (indirect effect = -0.550; Sobel t = -4.92). These findings indicate that the impact of geopolitical pressure on airline profitability primarily occurs through increased operating costs. The study implies the importance of cost efficiency, fuel consumption management, and mitigation strategies against aviation fuel price volatility.
Co-Authors Aditya Sri Novita Ajeng Gita Firda Aldi An Nurfalah Andi Hasyriningsih Asfar Angrian Permana, Angrian Astin Mandela Puspa Astri Dewi Auliana, Sigit Bagaskara Aditya Pratama David Elien Simamora Diana Diana Didi Wandi Dini Martinda Lestari Efi Tajuroh Afiah Ega Maulidya Ende Ende Ende Evita Mauliyani Fadya Fadya fatoni, malik Firmansah Firmansah Halda, Shofa Hijria Iftinan Hamidah Hamidah Hendry Gunawan Heni Pujiastuti Iis Nurasiah Iis Nurasiah Ika Pratiwi Ismiyati, Ismiyati Jaka Wijaya Kusuma Juhandi, Nendi Mamay Komarudin Mohamad Bayi Tabrani Muhammad Andrianto Naufal Affandi Nia Nuraeni Nita Nurindah Sari Nugrahini Kusumawati Nurhasanah Nurhasanah Nursoleh Nursoleh Nursoleh Nursoleh Pramudi Harsono Qory Meidina Izria Rahayu Ning Tyas Rokhiyawati, Lilis Salsabila Azmi Sardan Sardan Siska Ariyanti Siti Fatonah Siti Fatonah Sucihati Suhamah, Amah Sumiarsih, Cicih Surachman Surachman Tabroni Tb. Agus Khoironi Tubagus Agus Khoironi Tunavisa, Zakia Wahyu Widodo Wahyu Widodo Wawan Endang Sudarwan Yoga Andred Dana Tirta Yogi Saputa