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Optimization of Sharia Fintech in the Development of Green Bonds and Sustainable Investments Judijanto, Loso; Ermaini, Ermaini; Kaswoto, Junet; Arumingtyas, Fida; Sudarmanto, Eko
West Science Islamic Studies Vol. 3 No. 02 (2025): West Science Islamic Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsiss.v3i02.1835

Abstract

This study examines the optimization of Sharia fintech in the development of green bonds and sustainable investments in Indonesia, using a qualitative analysis based on interviews with five key informants from various sectors, including fintech, finance, and regulatory bodies. The findings highlight the significant role of Sharia fintech in promoting sustainable investments, especially in the context of green bonds, by democratizing access to investment opportunities and aligning financial products with ethical, Sharia-compliant principles. However, challenges such as unclear regulatory guidelines and the need for technical expertise in ensuring Sharia compliance were identified. The study also underscores the potential for synergy between Sharia finance and sustainable investment goals, with recommendations including the creation of standardized regulatory frameworks, the promotion of financial literacy, and the use of advanced technologies like blockchain to enhance transparency. The results suggest that while the integration of Sharia fintech with green bonds holds great promise, further collaboration among stakeholders and a clear regulatory approach are essential for its successful implementation.
Analisis Korelasi : Hubungan Pengangguran terhadap Perkembangan Tingkat Kemiskinan di Kota Jambi Nayla Desviona; Ermaini Ermaini; Mustika Mustika; Helmina Helmina; Kayla Risma Marfisya; Aulia Septia Ningrum
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 3 No. 2 (2025): Maret : MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v3i2.1710

Abstract

This study aims to analyze the relationship between the open poverty rate (TPT) and the poverty rate in Jambi City from 2014 to 2023. Poverty and poverty are important issues in regional development because they directly impact community welfare. This study employed a quantitative method with a descriptive correlational approach, and data analysis was conducted using the Pearson correlation test. Secondary data were obtained from the Jambi City Central Statistics Agency (BPS). The results of the normality test indicated that the data were normally distributed, making them suitable for analysis using Pearson. The correlation analysis showed a correlation coefficient between the TPT and poverty of 0.049 with a significance level of 0.893, indicating no significant relationship between the two variables. This finding suggests that poverty is not the sole factor determining the poverty rate in Jambi City. Therefore, poverty alleviation requires a multidimensional approach that focuses not only on employment but also includes education, distribution of social assistance, and equitable regional development.
Financial Performance Evaluation as a Determining Factor of Stock Prices : Case Study of PT Bank Mandiri Tbk Ermaini Ermaini; Trie Hierdawati; Agus Santoso
Global Management: International Journal of Management Science and Entrepreneurship Vol. 2 No. 3 (2025): August : International Journal of Management Science and Entrepreneurship
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70062/globalmanagement.v2i3.322

Abstract

This research focuses on analyzing the impact of fundamental financial ratios on stock prices in the banking sector, specifically examining PT. Bank Mandiri Tbk. The key financial ratios investigated include Return On Assets (ROA), Loan to Deposit Ratio (LDR), Non-Performing Loans (NPL), and the ratio of Operating Expenses to Operating Income (BOPO). The study employs a quantitative descriptive research method, utilizing secondary data sourced from annual reports spanning the period from 2014 to 2023. Multiple linear regression analysis is utilized as the primary analytical tool to address the research questions and hypotheses. The findings of the study reveal that the independent variables—ROA, LDR, NPL, and BOPO—significantly influence stock prices, both in isolation and collectively. This indicates that these financial ratios are critical indicators for investors and stakeholders when evaluating the performance and market value of banking institutions. The research highlights the importance of these financial metrics in shaping market perceptions and stock valuations, providing valuable insights for investors, financial analysts, and decision-makers in the banking industry. Furthermore, the study contributes to the existing body of knowledge regarding the relationship between financial performance indicators and stock market behavior. By emphasizing the correlation between these ratios and stock prices, the research underscores the necessity for stakeholders to monitor and analyze these key financial metrics to make informed investment decisions. Overall, the results affirm the relevance of fundamental financial ratios in assessing the financial health and competitive positioning of banks, particularly in the context of PT. Bank Mandiri Tbk. This analysis not only enriches the literature on banking finance but also serves as a practical guide for stakeholders aiming to optimize their investment strategies based on financial performance indicators.
Fungsi Manajemen Dalam Pengelolaan Tenaga Harian Lepas (THL) di PT Sinarmas Desa Pelakar Kabupaten Dharma, Bertia Arya; Ermaini, Ermaini; Mustika, Mustika
Jurnal Riset Manajemen Indonesia Vol 7 No 3 (2025): Jurnal Riset Manajemen Indonesia (JRMI)
Publisher : STIE Bangkinang Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55768/jrmi.v7i3.195

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan fungsi manajemen dalam pengelolaan tenaga harian lepas (THL). Fungsi Manajemen terdiri dari perancangan, pengorganisasian, pengarahan, dan pengawasan. Keberadaan Tenaga Harian Lepas (THL) sangat penting dalam mendukung operasional perusahaan, khususnya pada sectorperkebunan. Pengelolaan manajemen yang kurang baik akan berdampak pada produktivitas dan kesejahteraan tenaga kerja. Menggunakan metode kualitatif dengan pengumpulan data dari observasi, wawancara, dan studi dokumentasi. Penelitian menunjukkan bahwa PT Sinar Mas telah menerapkan fungsi-fungsi manajemen secara bertahap. Perencanaan tenaga kerja dilakukan berdasarkan kebutuhan lapangan, pengorganisasian sudah mengacu pada struktur kerja yang sudah jelas, pengarahan dilakukan oleh mandor atau supervisor secara rutin, dan pengendalian dilakukan melalui evaluasi kinerja harian dan bulanan. Meskipun demikian, masih terdapat tantangan dalam komunikasi dan keseimbangan beban kerja. Oleh karena itu, diperlukan peningkatan kapasitas manajerial dan sistem pengawasan yang lebih optimal untuk mendukung efisiensi dan kepuasan kerja THL di perusahaan tersebut.
Evaluation of The Implementation Village Head's Policy in The Management of Financial Administration in Mekar Sari Village Hadi, Sofyan; Ermaini, Ermaini; Mustika, Mustika
International Journal of Innovation Research in Education, Technology and Management Vol. 2 No. 2 (2025): August 2025
Publisher : PT. BERBAGI TEKNOLOGI SEMESTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61098/ijiretm.v2i2.272

Abstract

This study aims to evaluate the implementation of village head policies in managing the financial administration of Mekar Sari Village. The main focus is on the extent to which the principles of transparency, accountability, and participatory governance are applied throughout all stages, from planning to financial reporting. This research adopts a descriptive qualitative approach by collecting data through in-depth interviews, field observations, and documentation. The findings reveal weaknesses in the application of good financial governance principles. Limited community involvement in village deliberations, inadequate financial documentation, and the low capacity of village officials are the main obstacles. These results suggest the need to strengthen the competencies of village apparatus and enhance community-based monitoring systems to achieve more transparent and accountable financial administration.
The Impact of Digitalization on Village Budget Transparency and Accountability Saputra, Mas Budi; Ermaini, Ermaini; Veronika, Deka
International Journal of Innovation Research in Education, Technology and Management Vol. 2 No. 2 (2025): August 2025
Publisher : PT. BERBAGI TEKNOLOGI SEMESTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61098/ijiretm.v2i2.273

Abstract

The purpose of this study is to analyze the impact of digitalization on the level of transparency and accountability in budget management in Mekar Sari Village, Muaro District, Jambi Regency. This study uses a quantitative correlational approach with a simple linear regression method. Data were collected through questionnaires administered to village officials and the local community. The analysis results indicate that digitalization has a positive and significant impact on increasing transparency and accountability in village fund management. Advances in digital technology in village administration help improve access to better information and ensure accountability for the use of village funds more effectively. These findings confirm that digitalization is an important tool in improving transparent and accountable village financial management.
Implementation of Strategic Management in the Legislative Function of Commission I of the Bungo Regency DPRD Zahsyi, Muhammad; Ermaini, Ermaini; Suryani, Ade Irma
International Journal of Innovation Research in Education, Technology and Management Vol. 2 No. 2 (2025): August 2025
Publisher : PT. BERBAGI TEKNOLOGI SEMESTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61098/ijiretm.v2i2.276

Abstract

Changes in the composition of political party seats in the Bungo Regency Regional People's Representative Council (DPRD) over the past three periods reflect local political dynamics that directly influence the legislative function, particularly in Commission I, which oversees governance, law, and legislation. This study aims to analyze the development of political party seat distribution in the 2014-2019, 2019-2024, and 2024-2029 periods, and examine its implications for the implementation of strategic management in the legislative function. The method used is descriptive analysis with a qualitative approach, utilizing legislative election results data from official sources and a review of Bungo Regency DPRD documents. The results show a significant shift in political power, with several parties experiencing an increase in the number of seats, such as NasDem, Demokrat, Gerindra, and PKB, while other parties such as Golkar, PKS, PPP, and PBB experienced a decrease. The number of parties holding seats decreased from 13 to 10 in the last period, indicating a consolidation of political power. These findings emphasize the importance of implementing strategic management that includes coalition-based legislative planning, strengthening legislative capacity, and effective political coordination mechanisms to ensure that legislative products are more responsive, inclusive, and oriented towards the public interest.
Analysis of Archery Athlete Development Management in Improving Performance and Achievement in Jambi City i, safi; ermaini; Ade Irma Suryani
International Journal of Innovation Research in Education, Technology and Management Vol. 2 No. 2 (2025): August 2025
Publisher : PT. BERBAGI TEKNOLOGI SEMESTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61098/ijiretm.v2i2.296

Abstract

This study aims to analyze the management of archery athlete development in improving performance and achievement in Jambi City. This study uses a descriptive qualitative approach with a focus on the coaching patterns implemented by archery clubs, coaches, and support from the Indonesian National Sports Committee (KONI) Jambi. Data collection was conducted through observation, in-depth interviews with coaches, athletes, and club administrators, and documentation of training and performance coaching activities. The results of the study indicate that the management of archery athlete development in Jambi City has been implemented systematically, but several obstacles remain, such as limited training facilities, inconsistent funding, and a lack of certified coach development programs. An effective coaching strategy involves performance-based training planning, regular evaluation of athlete performance, and improvement of coach competency. Synergy between KONI, clubs, and coaches is a key factor in optimizing the performance of archery athletes in Jambi City. This study is expected to provide recommendations for regional policymakers and coaches in improving the quality of athlete development in a sustainable manner..
Pengaplikasian Konsep Peubah Acak dalam Mengukur Kemampuan Representasi Matematis Mahasiswa Nayla Desviona; Ermaini Ermaini; Muhammad Ikhsan; Nazaruddin Nazaruddin; Sabrina Sabrina; Zul Fanji
Konstanta : Jurnal Matematika dan Ilmu Pengetahuan Alam Vol. 1 No. 1 (2023): Maret : Jurnal Matematika dan Ilmu Pengetahuan Alam
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/konstanta.v2i1.5315

Abstract

The distribution of probability, also known as the distribution of random variables, is a part of the Statistics course material. This study aims to describe the mathematical representation skills of students on the topic of probability distribution, based on the fact that many students struggle to understand this material. This study uses a descriptive method. The subjects of this research are 12 students from Muhammadiyah University of Jambi. Data in this study were collected through written tests. The data were analyzed quantitatively and descriptively. The results of the study indicate that students' abilities to work on probability distribution material are still considered low. Therefore, there is a need for teaching methods that can help students understand better and achieve better results.
AI-based Digital Literacy for Vocational High School Principals in Muaro Jambi Regency Rohayani, Hetty; Rico; Armiwita, Armiwita; Ermaini, Ermaini
Proletarian : Community Service Development Journal Vol 2 No 2 (2024): November 2024
Publisher : PT. BERBAGI TEKNOLOGI SEMESTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61098/proletariancomdev.v2i2.225

Abstract

Digital transformation in education is increasingly important to create an innovative learning ecosystem. This article discusses the implementation of an artificial intelligence (AI)-based digital literacy program aimed at principals of Vocational High Schools (SMK) in Muaro Jambi Regency. The program aims to improve the principals' understanding and ability to utilize AI technology to support education and learning management. The activity methods involved workshops, simulations, and implementation of AI technologies. Results showed a significant improvement in principals' ability to integrate digital technology in school management. This article concludes the importance of AI-based digital literacy to strengthen principals' ability to face educational challenges in the digital era.