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All Journal Proceedings of Annual International Conference Syiah Kuala University - Social Sciences Chapter J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Jurnal Bisnis Dan Kajian Strategi Manajemen Jurnal Investasi Islam Tanjungpura International Journal on Dynamics Economics, Social Sciences, and Agribusiness (TIJDESSA) ASNAF PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Brilliant International Journal of Management and Tourism
Nurma Sari
Universitas Lambung Mangkurat
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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ANALISIS MODEL PEMBERDAYAAN EKONOMI MUALAF PADA LEMBAGA BAITUL MAL PROVINSI ACEH Fil Amzatil Akbar; Nurma Sari; eka - nurlina; Rusdi Rusdi
Jurnal Bisnis Dan Kajian Strategi Manajemen Vol 5, No 1 (2021): JURNAL BISNIS DAN KAJIAN STRATEGI MANAJEMEN
Publisher : universitas teuku umar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35308/jbkan.v5i1.3550

Abstract

This study aims to describe the empowerment program of mualaf (convert) at the Baitul Mal Aceh, Indonesia. The case study using a qualitative descriptive approach, data were collected through interviews with the head of the field of collection in Baitul Mal Aceh, mualaf, stakeholders and direct participatory observation and documentation. In validating data, this study uses data triangulation techniques before being analyzed through data reduction and conclusions. The results of this study indicate that the empowerment program implemented by Baitul Mal Aceh through its work programs has a role and influence in the empowerment of mualaf in Aceh. Muslim converts have a good relationship with neighbors and have been able to meet the needs of daily life. Not only empowered economically, converts also experience an increase in spiritual terms.
Impact of Covid-19 on the Local Tourism Industry In Aceh Province Indonesia: Comparison with and without Pandemic Covid 19 Sartiyah Sartiyah; Nurma Sari
Proceedings of AICS - Social Sciences Vol 11 (2021): the 11th AIC on Social Sciences, Syiah Kuala University
Publisher : Proceedings of AICS - Social Sciences

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the condition of tourism industry activities, with and without the COVID-19 pandemic. The tourism industries studied are hotel, culinary, travel and tourist sites businesses. The sample obtained in a pandemic condition was only 132 industries , carried out in 3 tourism base areas in Aceh Province, namely Banda Aceh City, Aceh Besar District and Sabang City or Pulau Weh. The study was analyzed using the Quantitative Descriptive Method and The Wilcoxon Test on the tourism industry by comparing the activities of working hours, labor wages expenditure , revenues and other operational costs between with and without the Covid 19 Pandemic. The results reveal that there is a significant difference from the activities of the tourism industry working hours, labor wage expenditure , revenue and other operating costs, with and without a pandemic covid 19. Cost, revenue and profit significantly decreased tourism industries caused by the shrinkage of business activities in the condition of pandemic . The decline in tourism industry revenues was caused by a decrease in the demand for services by tourists, while the labor cost decreased due to a decrease in the number of workers and working hours. It is hoped that government policies will facilitate tourist mobility and do not apply obstacles with very strict large-scale social restrictions.Keywords: Covid 19 Pandemic, Tourism Industry, Wilcoxon Test, Aceh Province
Penerapan bagi hasil pembiayaan musyarakah pada bank pembiayaan syariah Nurma Sari; Alma Herdian
Jurnal Investasi Islam Vol 6 No 2 (2021): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v6i2.3548

Abstract

This study aims to determine how the application of revenue sharing for musyarakah financing at BPRS XXX and whether the application of revenue sharing revenue for musyarakah in BPRS is in accordance with DSN Fatwa No. 08/DSN-MUI/IV/2000. This study uses a qualitative descriptive approach with the Grounded Research method. Data collection was carried out by interviewing several related parties in the BPRS, namely the Head of Marketing, Legal Officer, Sharia Supervisory Board, and musyarakah financing customers. The results of his research on the application of revenue sharing for musyarakah financing at BPRS have been carried out in accordance with DSN Fatwa No. 08/DSN-MUI/IV/2000. All provisions regarding musyarakah financing in the DSN Fatwa have been implemented by the BPRS, such as the ijab qabul, the subject of the contract, the object of the contract consisting of capital, work and profits, as well as operational and dispute costs. It's just that the distribution of losses applied by the BPRS is not in accordance with the fatwa, where the BPRS applies losses fully borne by the customer, not in accordance with the provisions of the Fatwa DSN which says that losses are jointly borne in accordance with their respective portion of capital.
Model Pengawasan Pembiayaan di BMT Mujahidin Pontianak Nurma Sari
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 1 (2014): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (346.15 KB) | DOI: 10.18326/muqtasid.v5i1.23-52

Abstract

This research uses descriptive analysis method which aims to 1) know anddescribe the system of distribution of the finance products at the BMTMujahidin in the fiscal year 2009­2011; 2) know and explain the financingimplementation at the BMT Mujahidin Pontianak in the fiscal year 2009­2011.Results of the study were: KSU BMT Mujahidin was the same as other Shariahfinancial institutions, namely the financing run through a series of proceduressystematically arranged in part involving the marketing, financing, andmanagers has been quite effective. The manager accepted the proposalsanalyzed them and if approved will sign it. Supervision of the financing was done in three categories, first by doing active field supervision; Second by doing administrative supervision starting from the time of the filing process by way of checking the completeness of requirements until the reimbursement; third by helping the customer to identify the problems that will arise as early as possible in case of trouble and the BMT Mujahidin will participate in finding a solution for the customer.
Analisis faktor pendorong minat nasabah dalam memilih Tabungan Haji di Bank Syariah Mandiri Kantor Cabang Aceh Nurma Sari; Lika Annisa; Eka Nurlina
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 6, No 2 (2021)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v6i2.3549

Abstract

This study aims to partially and simultaneously analyze the influence of service quality, social, promotion, and knowledge on customer interest in using Hajj savings at Bank Syariah Mandiri in Aceh. Based on 122 questionnaires distributed to respondents, using probability sampling technique, which is simple random sampling and later analyzed by using multiple linear regression models, the results show that service quality, social, promotion, and knowledge have a simultaneous and partial effect on customer interest in using Hajj savings at Bank Syariah Mandiri in Aceh.
Analisis Kinerja Keuangan BUMdes Di Kota Banda Aceh Nurma Sari; Linda; Raida Fuadi
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 1 (2022)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v7i1.4015

Abstract

This study aims to analyze the effect of working capital, transparency accountability, community participation, and environmental turbulence on the financial performance of Village Owned Enterprises (BUMDes). The data used are primary data by distributing questionnaires to respondents consisting of 54 people. The sampling technique used a probability sample with simple random sampling. The research data was then processed using multiple regression analysis techniques aimed at knowing and analyzing the effect of exogenous variables either partially or simultaneously on endogenous variables. The results show that working capital, accountability, transparency, community participation, and turbulence together have a significant effect on financial performance, but not partially, there are only three of the five independent variables that have a significant positive effect on the financial performance of BUMDes, namely working capital, accountability and environmental turbulence with parameter coefficient values ​​that are not yet high. For this reason, it is necessary for BUMDes to provide open information in order to attract public interest to participate as well as support and evaluation from relevant agencies so that the performance of BUMDes is better.
Influence of reputation, religiosity and transparency on the belief of muzakki paying zakat at Baitul Mal Banda Aceh Akhsanun Nadia; Nurma Sari
ASNAF : Journal of Economic Welfare, Philantrophy, Zakat and Waqf Vol 2, No 1 (2023)
Publisher : Prodi Manajemen Zakat dan Wakaf, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/asnaf.v2i1.6248

Abstract

Abstract Purpose – This research is to analyze the effect of reputation, religiosity, and transparency on muzakki's trust in paying zakat in Baitul Mal Banda Aceh Method – This study collected primary data by distributing questionnaires to 100 respondents using a random sampling technique. Technical data analysis was carried out using multiple regression tests with the SPPS analysis tool. Research result - The results of the study show that reputation, religiosity, and transparency have a significant positive effect partially, as well as the results obtained simultaneously the three variables have a significant effect on the muzakki's trust in paying zakat at Baitul Mal Banda Aceh. Limitations - This study has limitations in terms of the relatively small number of samples and the internal measuring variable used in this study is only religiosity, it is better to add other variables that are internal Practical Implications - As a practical implication, the results of this research can be used as a reference by zakat organizations/institutions to maintain performance and continue to improve capacity and integrity, especially transparency in order to maintain the trust of existing muzakki and provide the sense of confidence to other prospective muzakki.
THE IMPACT OF THE DIGITALIZATION TRANSFORMATION ON THE ABSORPTION OF MANPOWER FOR GRADUATES OF THE SHARIA BANKING STUDY PROGRAM IN FEBI IAIN PONTIANAK Nurma Sari; Eko Bahtiar; Vianisya Nurfiga
Tanjungpura International Journal on Dynamics Economics, Social Sciences and Agribusiness Vol. 3 No. 1 (2022): TANJUNGPURA INTERNATIONAL JOURNAL ON DYNAMICS ECONOMICS, SOCIAL SCIENCES AND AG
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Tanjungpura

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (615.025 KB) | DOI: 10.26418/tijdessa.v3i1.28

Abstract

The purpose of this study is first to find out what skills graduates of Islamic banking study programs must have in order to be able to face the competition in the era of digitalization transformation, secondly to find out the impact of digitalization transformation on the workforce of graduates of the Islamic Banking study program. The research method used in this study is a descriptive method with a qualitative approach through a tracer study. The data collection is done by distributing questionnaires and interviews. Informants in this study found 53 respondents. From the results of the study, it was found that the skills of graduates of the Islamic Banking Study Program, Faculty of Economics and Islamic Business Pontianak in the aspect of integrity (ethics and morals, expertise based on the field of science, use of technology and information, communication skills and teamwork in teams are mostly good and very good. While the skills of graduates of the Islamic Banking Study Program of the Pontianak Islamic Economics and Business Faculty in the foreign language (English) aspect are still not good. Meanwhile, the digital transformation carried out by various sectors has an impact on the employment of graduates of the Sharia Banking Study Program, Pontianak Sharia Economics, and the Faculty of Business. The absorption rate for graduates of the Islamic Banking Study Program, Faculty of Economics and Sharia Business, Pontianak, both in the government and private sector and particularly in the banking industry sector, is still very small. Keywords: Transformation, Manpower Absorption, and Graduates of the Islamic Banking Study Program
HOW TECHNOLOGY IS EMPOWERING PRODUCTIVE ZAKAT RECIPIENT AT BAITUL MAL ACEH? Eka Nurlina; Nurma Sari; Teuku Muhammad Syahrizal; Hendra Halim; Khairil Umuri
PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Vol. 3 No. 1 (2024): “Sustainability Challenges Through Technology in Emerging Market Economies”
Publisher : Sekolah Tinggi Ilmu Ekonomi Eka Prasetya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47663/ibec.v3i1.275

Abstract

Zakat is an important instrument and plays a role in improving community welfare. The distribution of productive zakat properly and the use of technology in empowerment activities can support the improvement of the mustahiq economy. This study aims to analyze the distribution of productive zakat by Baitul Mal Aceh and the role of technology by mustahiq in improving welfare. This study uses a qualitative descriptive method by interviewing Baitul Mal Aceh, 40 productive zakat mustahiq and academics. The data obtained are explained using interactive techniques. The results of the study indicate that the business capital assistance program managed by Baitul Mal Aceh consists of 3 programs, namely mustahiq empowerment through the provision of ultra-micro capital, Zakat Family Development (ZFD) and mustahiq empowerment through partners. The three programs have not had a significant impact on improving the welfare of mustahiq. This is due to several things, namely mustahiq have not been able to develop their businesses, have not been maximized, lack of supervision and assistance to mustahiq businesses, and do not have a good mentoring concept. The use of technology that is not optimal is also an obstacle in improving the welfare of mustahiq. Therefore, comprehensive support is needed from various parties such as the government, society and other institutions that support the realization of productive zakat in improving the welfare of mustahiq.
Analysis of the Effect of Human Development Index, Poverty, and Islamic Philanthropy on Economic Growth: An Empirical Study in Aceh Province Muhammad Yusuf Harahap; Yusrizal Yusrizal; Nurma Sari; Mira Chairani; Zulfa Khairina Batubara; Susi Herawati
Brilliant International Journal Of Management And Tourism Vol. 5 No. 2 (2025): June : Brilliant International Journal Of Management And Tourism
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/bijmt.v5i2.4732

Abstract

Inclusive economic growth is a key priority in regional development, particularly in areas that adopt an Islamic economic system, such as the City of Banda Aceh. However, challenges such as persistent poverty and the suboptimal utilisation of Islamic philanthropy continue to hinder the strengthening of regional economic performance. This study aims to examine the effects of the Human Development Index (HDI), poverty rate, and zakat/infaq/sedekah (ZIS) on the economic growth of Banda Aceh from 2015 to 2024. A quantitative approach was employed, using a time series linear regression model. Secondary data were obtained from the Central Bureau of Statistics (BPS), Baitul Mal Aceh, and other official sources. The findings reveal that HDI has a positive and statistically significant effect on economic growth. In contrast, poverty and ZIS do not have a significant individual impact. Nevertheless, the model demonstrates strong explanatory power, with a significance level of 0.002. These results suggest that improving human capital through HDI is a critical driver of economic growth. Accordingly, development policies in Banda Aceh should prioritise investment in education and health sectors, alongside the expansion of productive zakat programmes, to foster sustainable economic growth rooted in Islamic values.
Co-Authors Akhsanun Nadia Alma Herdian Chairani, Mira eka - nurlina Eka Nurlina Eka Nurlina Eko Bahtiar Fil Amzatil Akbar HENDRA HALIM Khairil Umuri Lika Annisa Linda Muhammad Yusuf Harahap Raida Fuadi Rusdi Rusdi Sartiyah Sartiyah Susi Herawati Teuku Muhammad Syahrizal Vianisya Nurfiga Yusrizal Yusrizal Zulfa Khairina Batubara