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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 Pendas : Jurnah Ilmiah Pendidikan Dasar community: Pengawas Dinamika Sosial JOURNAL OF APPLIED BUSINESS ADMINISTRATION JOURNAL OF APPLIED MANAGERIAL ACCOUNTING Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah 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 Journal Economic and Strategy (JES) Jurnal Investasi Islam JaManKu : Jurnal Manajemen dan Kewirausahaan Jurnal Ekonomi Perjuangan (JUMPER) Jurnal Pustaka Mitra : Pusat Akses Kajian Mengabdi Terhadap Masyarakat Jurnal Ekonomi Manajemen dan Sosial (JEMeS) Jurnal Pustaka AI : Pusat Akses Kajian Teknologi Artificial Intelligence Jurnal Dehasen Untuk Negeri International Journal of Science and Environment Journal of Economics, Entrepreneurship, Management Business and Accounting 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 Electrical & Electronics Engineering Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Medicine & Pharmacology Physics Public Health Social Sciences Other

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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.
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.
Methods to Increase Microalgae Carbohydrates for Bioethanol Production Ali, Esam Abu Baker; Idris, Muhammad; Irianto, Irianto; Zulkarnain, Muhammad; Alam, Syah; Amanah, Ayu; Firman, La Ode Muhammad; Mustika, Donny
Indonesian Journal of Computing, Engineering, and Design (IJoCED) Vol. 4 No. 2 (2022): IJoCED
Publisher : Faculty of Engineering and Technology, Sampoerna University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35806/ijoced.v4i2.301

Abstract

Compared to traditional lignocellulose biomass, microalgae contain little or no lignin. Traditionally, bioethanol production from microalgae undergoes three major steps: (i) pretreatment; (ii) polysaccharides hydrolysis into simple sugars; and (iii) sugar conversion into bioethanol by fermentation. Microalgae convert sunlight, water, and CO2 into algal biomass. Diatoms, green algae, bluegreen algae, and golden algae are four main classes of microalgae, whereas the two main species of algae are filamentous and phytoplankton algae. Microalgae convert solar energy efficiently, producing an enormous number of various metabolites. Many studies have been conducted to convert microalgae into various biofuels, such as biodiesel, bioethanol, biohydrogen, and biogas. However, compared to biodiesel, bioethanol production from algae throughfermentation consumes less energy with its simplified process. Considering these advantages, a number of potential applications for microalgae have been proposed and developed. Despite the promising of bioethanol from microalgae, it still has a number of obstacles, such as the low fermentable carbohydrate content of microalgae. This article intends to discuss the methods to increase microalgae carbohydrates thoroughly. To solve this problem, several nutritional starvations/limitations, like nitrogen and phosphorous starvation, are currently being considered in this paper.
The Influence of Religious Knowledge and Farmers’ Economic Welfare on Cassava Selling Practices in Gadut Zulkarnain, Muhammad; Hendri, Novi; Wirman, Hardi Putra
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 11, No 2 (2025): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v11i2.21736

Abstract

This study aims to analyze how the dynamics of religious knowledge play a role in shaping the level of economic welfare of farmers involved in the practice of selling cassava without weighing in Nagari Gadut. This study uses a quantitative approach with the Structural Equation Modeling-Partial Least Squares (SEM-PLS) analysis technique as the main method to test the causal relationship between latent variables, namely Farmers' Religious Knowledge and Farmers' Economic Welfare in Cassava Sales Practices. The results show that construct X1 (Farmers' Religious Knowledge) is proven to have a significant negative effect on Y (Cassava Sales Practices), while X2 (Farmers' Economic Welfare) has a positive but insignificant effect. Although the model is quite good, it is still necessary to evaluate the high multicollinearity indicators and the addition of other variables to strengthen the model's explanatory power.
Digital Work Pressure, Workplace Well-Being, and Retention Intention among Generation Z Employees: A Qualitative Study Niken Widyastuti; Bambang Irjanto; Afnina Afnina; Yulina Astuti; Muhammad Zulkarnain
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 4 (2026): Volume 4, Issue 4, July 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i4.1063

Abstract

Purpose: This study aims to explore the experiences of Generation Z employees within digital work environments, focusing specifically on digital work pressure, workplace well-being, and retention intention. Design/methodology/approach: A qualitative approach utilizing an exploratory design and a constructivist paradigm was employed. Data were gathered through semi-structured in-depth interviews with 20 Generation Z employees working in digitally-based organizations in Yogyakarta. Participants were selected via purposive sampling, and the data were analyzed using reflexive thematic analysis. Findings/Results: The analysis identified four core themes: (1) digital work pressure as a normalized strain within digital work cultures; (2) constant connectivity and the blurring lines between work and personal life; (3) the ambivalent effects of digital work pressure on productivity and mental exhaustion; and (4) workplace well-being as an interpretive mechanism in shaping retention intention. While digital technology is perceived to enhance flexibility and productivity, continuous connectivity induces mental fatigue and challenges work-life balance. The intent to remain within an organization is evaluated through the quality of work experiences, organizational support, self-development opportunities, and work-life harmony. Originality/Value: This study enriches the literature on the digital work experiences of Generation Z and offers practical insights for organizations to design digital work policies that support employee well-being and reinforce retention.
Pelatihan Pemasaran Digital melalui Media Sosial Instagram dan Facebook pada Pelaku Usaha Rumah Tangga Sartika, Devi; Irmawati Siregar, Dewi; Meiriska, Ienda; Sadariawati, Rika; Zulkarnain, Muhammad
Jurnal Pustaka Mitra (Pusat Akses Kajian Mengabdi Terhadap Masyarakat) Vol 6 No 4 (2026): Jurnal Pustaka Mitra (Pusat Akses Kajian Mengabdi Terhadap Masyarakat)
Publisher : Pustaka Galeri Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55382/jurnalpustakamitra.v6i4.1966

Abstract

Kegiatan pengabdian pada masyarakat memiliki tujuan untuk peningkatan pengetahuan serta keterampilan dari para pelaku usaha rumah tangga yang ada di Kelurahan Gandus Kecamatan Gandus Kota Palembang. Peningkatan kemampuan dalam pemasaran digital dengan menggunakan media sosial berupa Facebook dan Instagram. Metode yang dipakai dalam kegiatan ini terdiri dari beberapa tahapan diantaranya ceramah, demonstrasi, pelatihan praktik langsung serta pendampingan. Kegiatan pengabdian ini diikuti oleh 15 peserta pelaku usaha rumah tangga dengan usaha terdiri dari usaha makanan, minuman dan penjahit pakaian. Hasil dari kegiatan didapatkan dari pelatihan pengetahuan terkait pemasaran digital saat pre test rata-rata 34% dan pada post test rata-rata 81% atau meningkat ratarata 47% selain itu setelah praktik didapatkan pemilik usaha memperoleh pesanan dari konsumen hingga Rp3.000.000 dalam seminggu. Kemudian peserta mampu membuat akun di Facebook page dan Instagram bisnis dan diikuti dengan keterampilan dalam pembuatan konten foto, video serta caption untuk promosi produk. Selama proses pendampingan terjadi peningkatan kegiatan dalam berpromosi menggunakan Facebook dan Instagram yaitu setiap akun setiap hari upload konten. Hasil lainnya terdapat peserta yang memperoleh peningkatan pesanan dari konsumen melalui konten yang diupload.
The Impact of QRIS Digital Payments On Microenterprise Income In Palembang City Muhammad Zulkarnain; Aurantia Marina; Nur Jumriantunnisah; Indri Ariyanti
International Journal of Science and Environment (IJSE) Vol. 5 No. 4 (2025): November 2025
Publisher : CV. Inara in Colaboration with www.stie-sampit.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijse.v5i3.186

Abstract

One form of digital payment currently in use is the Quick Response Code Indonesian Standard (QRIS). Business actors—ranging from micro, small, to medium enterprises—have adopted this system due to its convenience for consumers in conducting payment transactions for purchased products. This ease of transaction can lead to increased sales and, ultimately, higher income for business owners. This study aims to examine the effect of QRIS-based digital payments on the income of microenterprises in Palembang City. The data utilized are primary data collected through questionnaires distributed to research respondents. A total of 100 microenterprise owners in Palembang were selected as the sample. The data analysis technique employed is simple linear regression.The findings indicate that QRIS digital payments have a significant positive impact on the income of microenterprises in Palembang City.
Co-Authors AD. Basniwati Ade Sukmawati Adillah, Afif Afnina Afnina Ahmad Ari Gunawan Sepriansyah Ahmad Zarkasih Ali, Esam Abu Baker Amanah, Ayu Amirullah Amirullah Ana swita Anna Carolina Arfriani Maifizar Astuti, Yulina Aulya, Tara Aurantia Marina Azwar Azwar Bambang Irjanto Chintya Winda Natalia Butar Butar Cindy Yolanda Cindy Yolanda Darwin Effendi 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 Hardi Putra Wirman, Hardi Putra Hasibuan, Rahmawaty Hasperi Susanto Hendri, Novi Indri Ariyanti Irianto Irianto Irmawati Siregar, Dewi Junita Safitri Khairul Umam Krisniawati Krisniawati Krisniawati Krisniawati Krisniawati Krisniawati Lailatur Rahmi Lucyana Lucyana, Lucyana M. Aris Ganiardi Mareta silaturi Marina, Aurantia Marti Utari Marti Utari Meiriska, Ienda Melya Husna Muhammad Idris mukarramah MUKARRAMAH Mukarramah Mukarramah, Mukarramah Mustika, Donny Naysella, Ghea Niken Widyastuti Ningsih, Nanik Prasetyo Nur Jumriantunnisah Nur Jumriantunnisah Nur Jumriatunnisah Nurul Ilma Hasana Kunio Oktaviani Rahayu Ningsih Ridwan Effendi Ridwan Effendi Rika Sadariawati Rizal P Lubis Rusnan Rusnan Sabrina, Zaizafun Sartika, Devi 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 Yulina Astuti Yuni Paramita, Restika