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All Journal Jurnal Ekonomi Jurnal Kedokteran Gigi Universitas Padjadjaran Akuntabel : Jurnal Ekonomi dan Keuangan Forum Ekonomi : Jurnal Ekonomi, Manajemen dan Akuntansi J-EBIS (Jurnal Ekonomi dan Bisnis Islam) JURNAL AKUNTANSI, EKONOMI dan MANAJEMEN BISNIS community: Pengawas Dinamika Sosial JOURNAL OF APPLIED BUSINESS ADMINISTRATION JOURNAL OF APPLIED MANAGERIAL ACCOUNTING Business Innovation and Entrepreneurship Journal Padjadjaran Journal of Dental Researchers and Students JUSTISI Jurnal Penelitian Ekonomi Akuntansi (JENSI) Ihtiyath : Jurnal Manajemen Keuangan Syariah Jurnal Samudra Ekonomika Indonesian Journal of Computing, Engineering, and Design Jurnal Kewarganegaraan Journal Economic and Strategy (JES) Jurnal Investasi Islam JaManKu : Jurnal Manajemen dan Kewirausahaan Jurnal Ekonomi Perjuangan (JUMPER) Jurnal Ekonomi Manajemen dan Sosial (JEMeS) Jurnal Dehasen Untuk Negeri International Journal of Science and Environment Journal of Entrepreneur and Business Jurnal Abdimas Indonesia Krigan: Journal of Management and Sharia Business Al-Qalam: Jurnal Kajian Islam Dan Pendidikan Jurnal Semesta Ilmu Manajemen dan Ekonomi Computer & Science Industrial Engineering Journal Jurnal Cakrawala Akademika Jurnal DIskresi
Muhammad Zulkarnain
Politeknik Negeri Sriwijaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Mechanical Engineering Medicine & Pharmacology Physics Public Health Social Sciences Other

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ANALISIS KINERJA KEUANGAN PADA PT. BANK MANDIRI (PERSERO) TBK Krisniawati, Krisniawati; Zulkarnain, Muhammad
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 3 No 1 (2019): Vol 3 No 1 September 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v3i1.1295

Abstract

ABSTRACT This research was conducted with the aim to analyze the financial performance of PT. Bank Mandiri (Persero) Tbk ... This study uses secondary data sourced from the website of The Indonesia Capital Market Institute in the form of an annual report of PT. Bank Mandiri (Persero) Tbk in 2011-2015. Data were analyzed using financial performance measurements based on analysis of the Return on Assets (ROA) ratio and the Capital Asset Management Earning Liquidity (CAMEL) ratio consisting of Capital Adequecy Ratio (CAR), Productive Asset Ratio (KAP), Net Profit Margin (NPM) ratio , the ratio of Operating Expenses to Operating Income (BOPO) and Loan to Deposit Ratio (LDR). The results showed that the financial performance based on the ratio of Return on Assets (ROA) at PT. Bank Mandiri (Persero) Tbk is categorized HEALTHY with an average ROA value of 3.46% from the provision of financial performance standards of 1.215%. Based on CAMEL analysis for CAR, KAP, NPM, BOPO, and LDR ratios, the financial performance of the bank is HEALTHY.
EFFECT OF E-WOM AND PERCEIVED VALUE ON PURCHASE DECISIONS Zulkarnain, Muhammad
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 5 No 2 (2021) : Vol.5 No.2 Desember 2021
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v5i2.3422

Abstract

This study was conducted with the aim of analyzing the effect of e-wom and perceived value on purchasing decisions at the Shopee online store for consumers in Langsa City. The study used primary data sourced from research questionnaires. The study used a sample of 96 people with data analysis methods using multiple linear regression equations, t test, F test and R2 test. The results of the study show that e-wom and perceived value have a positive and significant effect on purchasing decisions made by consumers at the Shopee online store. Keywords: e-wom; value perception, purchase decision, Shopee
THE EFFECT OF TAXES AND LEVIES ON LOCAL ORIGINAL REVENUES IN CITY GOVERNMENTS IN ACEH PROVINCE IS VIEWED FROM AN ISLAMIC PERSPECTIVE Zulkarnain, Muhammad
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 6 No 2 (2022): Volume.6 No. 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v6i2.5215

Abstract

THE EFFECT OF TAXES AND LEVIES ON LOCAL ORIGINAL REVENUES IN CITY GOVERNMENTS IN ACEH PROVINCE IS VIEWED FROM AN ISLAMIC PERSPECTIVE Abstract Purpose: This study aims to investigate the impact of taxes and fees on the local revenue of five city governments in Aceh Province, examining it from an Islamic perspective Design/methodology/approach: The research adopts a quantitative descriptive approach, utilizing panel data with a cross-section of five city governments (Banda Aceh, Sabang, Langsa, Lhokseumawe, and Subulusalam) and a time series spanning from 2008 to 2021. The data analysis employs panel data regression. Findings: The results reveal a significant influence of taxes and fees on regional revenue in the five city governments of Aceh Province. The coefficient of determination (R2) indicates that 81% of regional revenue can be explained by the variables of taxes and fees. However, it is important to note that the study has limitations, focusing solely on city governments and excluding the broader government of Aceh. Research limitations/implications: The limitations of this research include its exclusive focus on city governments and the omission of the entire Aceh government. Future studies could explore the broader regional context. Practical implications: The research provides valuable insights for city governments in enhancing the welfare of their constituents through local revenue generated from regional taxes and levies. Keywords: Tax, Retributions, Local Revenue, Islamic Perspective, Aceh Province. PENGARUH PAJAK DAN RETRIBUSI TERHADAP PENDAPATAN ASLI DAERAH DI PEMERINTAH KOTA DI PROVINSI ACEH DILIHAT DARI PERSPEKTIF ISLAM Abstrak Tujuan: Penelitian ini bertujuan untuk menyelidiki dampak pajak dan biaya terhadap pendapatan asli daerah dari lima pemerintah kota di Provinsi Aceh, memeriksanya dari perspektif Islam Desain/metodologi/pendekatan: Penelitian ini mengadopsi pendekatan deskriptif kuantitatif, memanfaatkan data panel dengan penampang lima pemerintah kota (Banda Aceh, Sabang, Langsa, Lhokseumawe, dan Subulusalam) dan rangkaian waktu yang mencakup dari 2008 hingga 2021. Analisis data menggunakan regresi data panel. Kesimpulan: Hasilnya menunjukkan pengaruh yang signifikan dari pajak dan biaya terhadap pendapatan daerah di lima pemerintah kota di Provinsi Aceh. Koefisien determinasi (R2) menunjukkan bahwa 81% dari pendapatan daerah dapat dijelaskan oleh variabel pajak dan biaya. Namun, penting untuk dicatat bahwa penelitian ini memiliki keterbatasan, hanya berfokus pada pemerintah kota dan mengecualikan pemerintah Aceh yang lebih luas. Keterbatasan / implikasi penelitian: Keterbatasan penelitian ini termasuk fokus eksklusifnya pada pemerintah kota dan kelalaian seluruh pemerintah Aceh. Studi masa depan dapat mengeksplorasi konteks regional yang lebih luas. Implikasi praktis: Penelitian ini memberikan wawasan berharga bagi pemerintah kota dalam meningkatkan kesejahteraan konstituen mereka melalui pendapatan daerah yang dihasilkan dari pajak dan retribusi daerah. Kata kunci: Pajak, Retributions, Pendapatan Daerah, Perspektif Islam, Provinsi Aceh.
Penerapan UTAUT untuk Mengukur Kepuasan Pelanggan Mobile Banking Perbankan Syariah Zulkarnain, Muhammad; Junita Safitri; Yulina Astuti
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 2 (2023): Vol.7 No.2 Desember 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i2.6879

Abstract

The ever-developing information technology requires that every element of society and companies must innovate and adapt. These developments are also used by banking companies and in this research Islamic banks. The purpose of this study was to determine the level of satisfaction of customers as customers of banks using the Unified Theory of Acceptance and Use of Technology (UTAUT) Model approach. Methods of data analysis using quantitative data with data analysis techniques using Path Analysis. The results of the analysis show an indirect relationship to a significant proposition, among which a significant indirect effect is Interest in using Mobile Banking (BI) affects Bank Customer Satisfaction (CS) through the Use of Mobile Banking (AU) positively and significantly. Facilitating Conditions affect Bank Customer Satisfaction (CS) through the actual use of mobile banking (AU). Social influence (SI) affects the actual use of Mobile Banking (AU) through the interest to use Mobile Banking (BI) in a positive and significant way. In addition, Social Influence (SI) also affects Bank Customer Satisfaction (CS) through the actual Mobile Banking Use (AU) variable positively and significantly
Layanan Webform Terhadap Kepuasan Nasabah Dimoderasi Pengetahuan (Studi Pada Nasabah BSI di Kota Palembang) Zulkarnain, Muhammad; Nurul Ilma Hasana Kunio; Marti Utari; Ahmad Ari Gunawan Sepriansyah; Ade Sukmawati
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 1 (2024): Vol. 8 No.1 Juni 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i1.8434

Abstract

This research aims to determine the effect of webform on customer satisfaction with knowledge as a moderating variable. The data analysis method uses quantitative with a questionnaire data source with a sample size of 100 samples. Data analysis uses Moderated Regression Analysis (MRA). The research results obtained a constant value of 2.078 indicating customer satisfaction before being influenced by the webform variable. Then the regression coefficient value of 0.532 The results of the t-test obtained a t-sig value < α5% (0.05), namely 0.000 < 0.05 and it can be stated that web form has a significant effect on customer satisfaction. The MRA test results show that knowledge is a quasi-moderator or pseudo-moderator variable between the dependent variable customer satisfaction and the independent variable webform.
Pendampingan Penggunaan Bahan Tambahan Pangan (BTP) pada UMKM Pempek BRN di Kota Palembang M. Aris Ganiardi; Syariful Maliki; Sulastriani; Linda Ekawati; Zulkarnain, Muhammad
jurnal ABDIMAS Indonesia Vol. 1 No. 4 (2023): Desember : Jurnal ABDIMAS Indonesia
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jurai.v1i4.691

Abstract

Pempek merupakan salah satu makanan khas di Kota Pelembang Sumatera Selatan. Pempek di suguhkan beserta dengan pelengkap yaitu cuko. Pempek terbuat dari tepung, ikan, serta bahan pelengkap lainnya, sementara cuko terbuat dari gula, air, bawang putih, asam serta cabai. Baik pempek maupun cuko memiliki daya tahan yang tidak lama, sehingga bila ingin menjual (berdagang pempek) harus segera habis, bila tidak pempek akan rusak dan tidak layak konsumsi. Berdasarkan hal tersebut maka dilakukan pendampingan pada pelaku usaha pempek BRN di kelurahan Lorok Pakjo Kecamatan Ilir Barat I Kota Palembang, sehingga produk yang dibuat dapat bertahan lebih lama dan tidak merugikan pelaku usaha. Pemberian informasi berupa penggunaan bahan tambahan pangan berupa na-benzoat dan Sodium Tripolyphosphate (STPP). Berdasarkan hasil pendampingan pelaku usaha merasa senang telah memperolah informasi terbaru untuk usaha pembuatan pempek
Influencing Factors Telkomsel Internet Package Purchase Decision Muhammad Zulkarnain; Mukarramah
Journal of Entrepreneur and Business Vol. 2 No. 1 (2024): Journal of Entrepreneur and Business
Publisher : LPPM Universitas Respati Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52643/joeb.v2i1.42

Abstract

The study aims to determine the factors that influence the decision to purchase Telkomsel internet packages in Langsa. The study used a sample of 96 respondents who were Telkomsel internet package users in Langsa City. The data analysis method uses validity, reliability, classic assumption test, multiple linear regression test, coefficient of determination test (R2) and hypothesis test. The results obtained from three factors namely product quality, price and brand image have a positive and significant effect on the decision to purchase Telkomsel internet packages. The coefficient of determination test results obtained by 0.531 or 53.1 product quality, price and brand image affect the purchase decision of Telkomsel internet packages and the remaining 46.9% is influenced by other variables not examined. Keywords: Product Quality, Price, Brand Image, Purchasing Decision
Determinants Of ROA In Sharia Banks: The Role Of NPF, FDR, And Net Imbalance On Profitability Zulkarnain, Muhammad; Ridwan Effendi; Marti Utari
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol, 9 No 2 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i2.9505

Abstract

Islamic banks as a company still have a goal of profit, where profit is often used as a measure of the company's performance. One of the profit ratios is the return on assets (ROA) ratio. Then the ROA in the previous study was influenced by many factors, while in this study it was seen based on the net performance financing (NPF) ratio, financing to deposit ratio (FDR), and net return (NI). The purpose of the study was to determine the effect of the NPF ratio, FDR ratio, and NI ratio on the ROA ratio. The research population was Islamic banks listed on the Indonesia Stock Exchange (IDX), namely 4 companies with data from the first-fourth quarter of 2021 to the second quarter of 2024. Panel data regression data analysis techniques. The results of the study showed that simultaneously net performance financing (NPF), financing to deposit ratio (FDR), and net return (NI) were significant on the return on assets (ROA) ratio, but partially net performance financing (NPF) did not affect the return on assets (ROA) ratio while financing to deposit ratio (FDR) and net return (NI) were significant on the return on assets (ROA) ratio.
Analisis Pendapatan Pedagang Kaki Lima di Kota Palembang (Jalan Lunjuk Jaya sampai Jalan Sungai Sahang, Kecamatan Ilir Barat 1) Sabrina, Zaizafun; Fitriana Novianti , Eka; Naysella, Ghea; Yuni Paramita, Restika; Aulya, Tara; Zulkarnain, Muhammad
JEMeS - Jurnal Ekonomi Manajemen dan Sosial Vol. 8 No. 1 (2025): Jurnal Ekonomi Manajemen dan Sosial (JEMeS)
Publisher : Universitas Bojonegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56071/jemes.v8i1.1074

Abstract

Penelitian ini bertujuan untuk menganalisis pendapatan Pedagang Kaki Lima (PKL) di kawasan Jalan Lunjuk Jaya hingga Jalan Sungai Sahang, Kota Palembang, serta faktor-faktor yang memengaruhinya. Fenomena PKL yang mendominasi sektor ekonomi informal menjadi latar belakang penelitian ini. Dalam penelitian ini digunakan metode survei dengan pendekatan kuantitatif. Data diperoleh melalui wawancara langsung dengan 30 pedagang di lokasi penelitian. Hasil penelitian menunjukkan bahwa pendapatan PKL sangat bervariasi, dipengaruhi oleh modal usaha, jam kerja, pengalaman berdagang, volume penjualan, serta faktor eksternal seperti cuaca dan persaingan. Analisis data menunjukkan bahwa pedagang dengan modal yang lebih besar dan lokasi strategis memiliki pendapatan yang lebih tinggi. Kesimpulan dari penelitian ini menekankan pentingnya pengelolaan modal yang efisien dan pemilihan lokasi yang tepat untuk meningkatkan pendapatan PKL. Peneliti memberikan saran agar PKL meningkatkan keterampilan pengelolaan keuangan dan memanfaatkan teknologi digital dalam menjalankan usaha mereka. Pemerintah diharapkan memberikan dukungan berupa pelatihan kewirausahaan dan kebijakan yang mendukung keberlanjutan usaha PKL.
Kinerja Usaha Mikro: Analisis Pengaruh Pembiayaan dan Karakteristik Kewirausahaan Zulkarnain, Muhammad; Aurantia Marina; Mukarramah
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 2 (2024): Vol. 8 No.2 Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i2.9969

Abstract

The research was conducted with the object being microenterprises in Ilir Barat District, Palembang City. Purpose of the research is to reveal wheather the performance of microenterprises is influenced by financing and entrepreneurial characteristics. The method used is quantitative. While primary data sourced from a research questionnaire with a sample of 98 respondents. The data analysis technique uses multiple linear regression equations. The results of the study obtained financing and entrepreneurial characteristic, both partially and simultaneously significant to the performance of microenterprises in Ilir Barat District, Palembang City. Financial institutions need to design financing schemes that are flexible and in accordance with the needs of micro businesses to support business growth.
Co-Authors AD. Basniwati Ade Sukmawati Adillah, Afif Ahmad Ari Gunawan Sepriansyah Ahmad Zarkasih Ali, Esam Abu Baker Amanah, Ayu Amirullah Amirullah Arfriani Maifizar Astuti, Yulina Aulya, Tara Azwar Azwar Chintya Winda Natalia Butar Butar Cindy Yolanda Cindy Yolanda Devani, Ferizka Tiara Egga Asoka Eka Rizki Meiwinda Ekawati, Linda Erni Wiriani Erni Wiriani Fauza Pratama febi febi Firman, La Ode Muhammad Fitriana Novianti , Eka Hasibuan, Rahmawaty Indri Ariyanti Irianto Irianto Jumriantunnisah, Nur Junita Safitri Khairul Umam Krisniawati Krisniawati Krisniawati Krisniawati Krisniawati Krisniawati Lailatur Rahmi Lucyana Lucyana, Lucyana M. Aris Ganiardi Marina, Aurantia Marti Utari Marti Utari Melya Husna Muhammad Idris mukarramah MUKARRAMAH Mukarramah Mukarramah, Mukarramah Mustika, Donny Naysella, Ghea Ningsih, Nanik Prasetyo Nur Jumriantunnisah Nur Jumriatunnisah Nurul Ilma Hasana Kunio Rahayu Ningsih Ridwan Effendi Ridwan Effendi Rizal P Lubis Rusnan Rusnan Sabrina, Zaizafun Sirait, Ganda Siti Wahyuni Sulastriani Sumaizar Syah Alam Syariful Maliki T.M. Iqbal Chaira Wilda Tri Handayani Wulandari, Safutri Yulina Astuti Yulina Astuti Yulina Astuti Yuni Paramita, Restika Zainab Ompu Jainah