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<![CDATA[Pengaruh Budaya Keuangan, dan Keputusan Pembayaran Kredit Terhadap Peluang Akses Layanan Keuangan UMKM Lombok ]]>
<![CDATA[Sulkiah]]>
<![CDATA[ Jurnal Akuntansi dan Keuangan Syariah - ALIANSI Vol. 4 No. 1 (2021): Jurnal Akuntansi dan Keuangan Syariah : Aliansi ]]>
Publisher : <![CDATA[Akuntansi research UGR ]]>
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DOI: 10.54712/aliansi.v6i1.206
<![CDATA[Kecurangan atau disebut fraud dalam penelitian ini menjadi fenomena yangmenghawatirkan pada masyarakat. Paradigma masyarakat yang kurang menyebabkan seringterjadi salah penafsiran dilingkungan masyarakat. Penelitian ini menguji pengaruhkompetensi aparatur dan sistem pengendalian internal terhadap pencegahan kecurangan (fraud)dalam pengelolaan keuangan desa, moralitas sebagai moderasi. Penelitian inimenggunakan metode survey dengan kuesioner, jumlah sampel yang digunakan adalah 239Desa yang menerima dana desa di Kabupaten Lombok Timur. Analisis data menggunakanregresi linier berganda dan MRA. Hasil penelitian menunjukkan bahwa kompetensi aparaturdan sistem pengendalian internal berpengaruh signifikan terhadap pencegahan fraudpengelolaan keuangan desa, serta moralitas terbukti sebagai pemoderasi mempengaruhikompetensi aparatur dan sistem pengendalian internal terhadap pencegahan fraud dalampengelolaan keuangan desa.]]>
<![CDATA[PENCEGAHAN KECURANGAN DALAM PENGELOLAAN KEUANGAN DESA ]]>
<![CDATA[Sulkiah]]>
<![CDATA[ Jurnal Akuntansi dan Keuangan Syariah - ALIANSI Vol. 3 No. 2 (2020): Jurnal Akuntansi dan Keuangan Syariah : Aliansi ]]>
Publisher : <![CDATA[Akuntansi research UGR ]]>
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DOI: 10.54712/aliansi.v3i2.208
<![CDATA[Kecurangan atau disebut fraud dalam penelitian ini menjadi fenomena yang menghawatirkan pada masyarakat. Paradigma masyarakat yang kurang menyebabkan sering terjadi salah penafsiran dilingkungan masyarakat. Penelitian ini menguji pengaruh kompetensi aparatur dan sistem pengendalian internal terhadap pencegahan kecurangan (fraud) dalam pengelolaan keuangan desa, moralitas sebagai moderasi. Penelitian ini menggunakan metode survey dengan kuesioner, jumlah sampel yang digunakan adalah 239 Desa yang menerima dana desa di Kabupaten Lombok Timur. Analisis data menggunakan regresi linier berganda dan MRA. Hasil penelitian menunjukkan bahwa kompetensi aparatur dan sistem pengendalian internal berpengaruh signifikan terhadap pencegahan fraud pengelolaan keuangan desa, serta moralitas terbukti sebagai pemoderasi mempengaruhi kompetensi aparatur dan sistem pengendalian internal terhadap pencegahan fraud dalam pengelolaan keuangan desa.]]>
<![CDATA[Dampak Isi dan Keakuratan Seleksi Pemasaran Digital terhadap Penjualan Makanan Olahan Ikan Lombok Timur ]]>
<![CDATA[Sulkiah Sulkiah]]>
<![CDATA[ MANAZHIM Vol 5 No 1 (2023): FEBRUARI ]]>
Publisher : <![CDATA[Manajemen Pendidikan Islam STIT Palapa Nusantara ]]>
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DOI: 10.36088/manazhim.v5i1.2839
<![CDATA[Recent empirical studies show that the use of digital marketing among fishermen is still not optimal due to limitations in content creation and limited online media options. Digital marketing has been heralded as an effort to increase sales to fishermen. Unattractive content and target market errors in online media are one of the causes of the failure of fishing businesses to increase sales. Therefore, this research was conducted to determine the effect of digital marketing content and the accuracy of choices on the sales of East Lombok fishermen's processed food. This study analyzes the impact of digital marketing content and the accuracy of selection on sales of processed fishery products. The sample is based on the type of business and business category. Data collection was carried out by distributing questionnaires to 171 fishermen, who sold their products directly to online media using a door to door approach and filling assistance. Data were tested statistically with descriptive analysis, validity and reliability, and linear regression. The results of the study show that the content and accuracy of digital marketing choices have a positive effect on sales of processed fisherman products. These results show the importance of content choices and digital marketing to increase sales of processed fishery products in East Lombok. Fishermen can increase their ability and willingness to explore content and methods for selecting online media to promote their products in order to maximize sales results. Data were tested statistically with descriptive analysis, validity and reliability, and linear regression. The results of the study show that the content and accuracy of digital marketing choices have a positive effect on sales of processed fisherman products. These results show the importance of content choices and digital marketing to increase sales of processed fishery products in East Lombok. Fishermen can increase their ability and willingness to explore content and methods for selecting online media to promote their products in order to maximize sales results. Data were tested statistically with descriptive analysis, validity and reliability, and linear regression. The results of the study show that the content and accuracy of digital marketing choices have a positive effect on sales of processed fisherman products. These results show the importance of content choices and digital marketing to increase sales of processed fishery products in East Lombok. Fishermen can increase their ability and willingness to explore content and methods for selecting online media to promote their products in order to maximize sales results. that the content and accuracy of digital marketing choices have a positive effect on sales of processed fisherman products. These results show the importance of content choices and digital marketing to increase sales of processed fishery products in East Lombok. Fishermen can increase their ability and willingness to explore content and methods for selecting online media to promote their products in order to maximize sales results. that the content and accuracy of digital marketing choices have a positive effect on sales of processed fisherman products. These results show the importance of content choices and digital marketing to increase sales of processed fishery products in East Lombok. Fishermen can increase their ability and willingness to explore content and methods for selecting online media to promote their products in order to maximize sales results.]]>
<![CDATA[Pengaruh Budaya Keuangan, dan Keputusan Pembayaran Kredit Terhadap Peluang Akses Layanan Keuangan UMKM Lombok ]]>
<![CDATA[Sulkiah]]>
<![CDATA[ Jurnal Akuntansi dan Keuangan Syariah - ALIANSI Vol. 4 No. 1 (2021): Jurnal Akuntansi dan Keuangan Syariah : Aliansi ]]>
Publisher : <![CDATA[Akuntansi research UGR ]]>
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DOI: 10.54712/aliansi.v6i1.206
<![CDATA[Kecurangan atau disebut fraud dalam penelitian ini menjadi fenomena yangmenghawatirkan pada masyarakat. Paradigma masyarakat yang kurang menyebabkan seringterjadi salah penafsiran dilingkungan masyarakat. Penelitian ini menguji pengaruhkompetensi aparatur dan sistem pengendalian internal terhadap pencegahan kecurangan (fraud)dalam pengelolaan keuangan desa, moralitas sebagai moderasi. Penelitian inimenggunakan metode survey dengan kuesioner, jumlah sampel yang digunakan adalah 239Desa yang menerima dana desa di Kabupaten Lombok Timur. Analisis data menggunakanregresi linier berganda dan MRA. Hasil penelitian menunjukkan bahwa kompetensi aparaturdan sistem pengendalian internal berpengaruh signifikan terhadap pencegahan fraudpengelolaan keuangan desa, serta moralitas terbukti sebagai pemoderasi mempengaruhikompetensi aparatur dan sistem pengendalian internal terhadap pencegahan fraud dalampengelolaan keuangan desa.]]>
<![CDATA[PENCEGAHAN KECURANGAN DALAM PENGELOLAAN KEUANGAN DESA ]]>
<![CDATA[Sulkiah]]>
<![CDATA[ Jurnal Akuntansi dan Keuangan Syariah - ALIANSI Vol. 3 No. 2 (2020): Jurnal Akuntansi dan Keuangan Syariah : Aliansi ]]>
Publisher : <![CDATA[Akuntansi research UGR ]]>
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DOI: 10.54712/aliansi.v3i2.208
<![CDATA[Kecurangan atau disebut fraud dalam penelitian ini menjadi fenomena yang menghawatirkan pada masyarakat. Paradigma masyarakat yang kurang menyebabkan sering terjadi salah penafsiran dilingkungan masyarakat. Penelitian ini menguji pengaruh kompetensi aparatur dan sistem pengendalian internal terhadap pencegahan kecurangan (fraud) dalam pengelolaan keuangan desa, moralitas sebagai moderasi. Penelitian ini menggunakan metode survey dengan kuesioner, jumlah sampel yang digunakan adalah 239 Desa yang menerima dana desa di Kabupaten Lombok Timur. Analisis data menggunakan regresi linier berganda dan MRA. Hasil penelitian menunjukkan bahwa kompetensi aparatur dan sistem pengendalian internal berpengaruh signifikan terhadap pencegahan fraud pengelolaan keuangan desa, serta moralitas terbukti sebagai pemoderasi mempengaruhi kompetensi aparatur dan sistem pengendalian internal terhadap pencegahan fraud dalam pengelolaan keuangan desa.]]>
<![CDATA[PENGARUH LITERASI DAN PENGELOLAAN KEUANGAN TERHADAP KESEJAHTERAAN FINANSIAL RUMAH TANGGA NELAYAN LABUHAN HAJI ]]>
<![CDATA[Sulkiah]]>
<![CDATA[ Jurnal Akuntansi dan Keuangan Syariah - ALIANSI Vol. 6 No. 2 (2023): Jurnal Akuntansi Dan Keuangan Syariah: ALIANSI ]]>
Publisher : <![CDATA[Akuntansi research UGR ]]>
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DOI: 10.54712/aliansi.v6i1.278
<![CDATA[This research aims to determine the influence of financial literacy on financial well-being, the influence of financial literacy on family financial management, and the influence of financial literacy on financial well-being mediated by family financial management. The analytical tool used in this research is PLS (Partial Least Square). Data analysis in this research uses the Partial least squares (PLS) approach. The research results show that financial literacy has a positive and significant effect on financial well-being, financial literacy has a positive and significant effect on family financial management, and financial literacy has a positive and significant effect on financial well-being through family financial management variables. ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan terhadap kesejahteraan finansial, pengaruh literasi keuangan terhadap pengelolaan keuangan keluarga, dan pengaruh literasi keuangan terhadap kesejahteraan finansial dimediasi oleh pengelolaan keuangan keluarga. Alat analisis yang digunakan dalam penelitian ini yaitu menggunakan PLS (Partial Least Square). Analisis data dalam penelitian ini menggunakan pendekatan Partial least square (PLS). Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap kesejahteraan finansial, literasi keuangan berpengaruh positif dan signifikan terhadap pengelolaan keuangan keluarga, dan literasi keuangan berpengaruh positif dan signifikan terhadap kesejahteraan finansial melalui variabel pengelolaan keuangan keluarga.]]>
<![CDATA[PENGARUH PENGELOLAAN KEUANGAN TERHADAP KEHARMONISAN RUMAH TANGGA ]]>
<![CDATA[Sulkiah]]>;
<![CDATA[Selamat Jalaludin]]>
<![CDATA[ Jurnal Akuntansi dan Keuangan Syariah - ALIANSI Vol. 6 No. 1 (2023): Jurnal Akuntansi Dan Keuangan Syariah: ALIANSI ]]>
Publisher : <![CDATA[Akuntansi research UGR ]]>
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DOI: 10.54712/aliansi.v6i1.282
<![CDATA[Penelitian ini bertujuan untuk mengetahui pengaruh pengelolaan keuangan terhadap keharmonisan rumah tangga. Pengelolaan keuangan menjadi penting dalam meningkatkan keharmonisan rumah tangga. Pengembangan softskill mengenai pengelolaan keuangan dalam keluarga masih perlu dilakukan guna peningkatan keharmonisan rumah tangga. Selain pengelolaan keuangan keluarga transparansi keuangan rumah tangga juga sebagai salah satu penentu keharmonisan rumah tangga. Sampel dalam penelitian ini adalah 80 rumah tangga. instrumen yang digunakan kuisioner atau angket yang diukur menggunakan skala likert. Alat analisis yang digunakan dalam penelitian ini regresi linier sederhana. Hasil penelitian menunjukkan bahwa pengelolaan keuangan berpengaruh signifikan terhadap keharmonisan rumah tangga. Kemampuan dalam pengelolaan keuangan akan berpengaruh terhadap kesejahteraan dan keharmonisan keluarga. Semakin baik rumah tangga dalam pengelolaan keuangannya maka semakin harmonis juga rumah tangga yang di jalankannya.]]>
<![CDATA[The Influence of Village Financial System, Clarity of Budget Targets and Transparency on Accountability of Village Fund Management ]]>
<![CDATA[Khairil Anwar]]>;
<![CDATA[Sulkiah sulkiah]]>;
<![CDATA[Ikhwan Wadi]]>
<![CDATA[ E-Jurnal Akuntansi Vol 34 No 9 (2024) ]]>
Publisher : <![CDATA[Accounting Department, Economic and Business Faculty of Universitas Udayana in collaboration with the Association of Accounting Department of Indonesia, Bali Region ]]>
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DOI: 10.24843/EJA.2024.v34.i09.p05
<![CDATA[This study aims to determine the effect of the village financial system, clarity of budget targets, and transparency on the accountability of village fund management in villages in Pringgabaya District, East Lombok Regency. The number of samples was 75 people determined using the purposive sampling method. Data were collected through the questionnaire method. The analysis technique was carried out using multiple linear regression analysis. The results of the study indicate that the village financial system has a positive effect on the accountability of village fund management. Clarity of budget targets has a positive effect on the accountability of village fund management. Transparency has a positive effect on the accountability of village fund management. Keywords: Village Financial System, Clarity of Budget Targets, Transparency, Accountability of Village Fund Management]]>
<![CDATA[The Influence of Transparency and Accountability on the Financial Management of Village-Owned Enterprises (BUMDes) in Suralaga Subdistric ]]>
<![CDATA[Lestari, Tika Fuji]]>;
<![CDATA[Sulkiah, Sulkiah]]>
<![CDATA[ JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Vol 9 No 1 (2025): April ]]>
Publisher : <![CDATA[Program Studi Akuntansi Universitas Langlangbuana Bandung ]]>
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DOI: 10.36555/jasa.v9i1.2816
<![CDATA[This study aims to analyze the influence of transparency and accountability on the financial management of Village-Owned Enterprises (BUMDes) in the Suralaga Sub-District. This means that the researcher seeks to determine the extent to which transparency and accountability affect the quality of financial management carried out by BUMDes administrators.The research method used is quantitative, which refers to an approach that emphasizes objective measurement of social phenomena through numerical data and statistical analysis.The data collection technique used in this study is a questionnaire, which serves to obtain primary data from respondents, namely BUMDes managers in the Suralaga Sub-District. The collected data were analyzed using multiple linear regression and Partial Least Squares-Structural Equation Modeling (PLS-SEM) through the SmartPLS software.The results of this study indicate that transparency does not affect the financial management of BUMDes in Suralaga District unless it is accompanied by adequate access and human resource capacity. In contrast, accountability has a significant effect on the financial management of BUMDes in the same area. Good accountability ensures that every use of funds, assets, and activities is properly reported and can be accounted for to both the public and the government.Transparency is defined as public access to data or information, along with clarity regarding government rules and services. Accountability refers to the obligation to report and be answerable for an institution’s achievements or failures in fulfilling its predetermined vision and goals]]>
<![CDATA[The Influence Of Lifestyle And Brand Image On The Purchasing Decision Of Wardha Cosmetics Among Students Of The Faculty Of Economics, Gunung Rinjani University Class Of 2021-2024 ]]>
<![CDATA[Luthfi, Ashwatul]]>;
<![CDATA[Sulkiah, Sulkiah]]>
<![CDATA[ JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 9 No 2 (2025): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) ]]>
Publisher : <![CDATA[Universitas Hamzanwadi ]]>
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DOI: 10.29408/jpek.v9i2.30599
<![CDATA[The purpose of this study is to ascertain and examine how lifestyle and brand perception affect Wardah cosmetics purchases made by Gunung Rinjani University's Faculty of Economics students in the 2021–2024 academic year. This kind of study is associated with a quantitative methodology. Questionnaires were distributed to 427 students as part of the data collection process. This study's sampling strategy used the Slovin formula, yielding a sample of 81 pupils. The findings of this study demonstrate that lifestyle exerts neither a positive nor a significant impact on the purchasing decisions of Wardah cosmetics among students at the Faculty of Economics, Gunung Rinjani University, as the T-statistic value is less than the T-table value, specifically 0.374 < 1.96, with a p-value of 0.709 > 0.05. Brand Image exerts a positive and significant impact on purchasing decisions, evidenced by a p-value of 0.00 (less than 0.05) and a T-statistic of 9.296 (more than the T-table value of 1.96).]]>
