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All Journal Katalogis Jurnal Pendidikan dan Pembelajaran Khatulistiwa (JPPK) KADIKMA Jurnal Mentari Legal Opinion Jurnal Mudarrisuna: Media Kajian Pendidikan Agama Islam Ta´dib Fakultas Ekonomi Jurnal Al-Tadzkiyyah Pedagogik : Jurnal Ilmiah Pendidikan dan Pembelajaran Fakultas Tarbiyah Unversitas Muhammadiyah Aceh OCTOPUS : Jurnal Ilmu Perikanan Majalah Obat Tradisional IDEAS: Journal on English Language Teaching and Learning, Linguistics and Literature Ikonomika : Jurnal Ekonomi dan Bisnis Islam AL ISHLAH Jurnal Pendidikan Jurnal Ilmiah Peuradeun Jurnal Penelitian Pendidikan IPA (JPPIPA) IJoLE: International Journal of Language Education Jurnal SOLMA SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Journal of Advanced English Studies Edukasi Islami: Jurnal Pendidikan Islam Martabe : Jurnal Pengabdian Kepada Masyarakat JPF : JURNAL PENDIDIKAN FISIKA JURNAL PENDIDIKAN TAMBUSAI Aktiva : Jurnal Akuntansi dan Investasi EKUITAS (Jurnal Ekonomi dan Keuangan) ENGLISH EDUCATION: JOURNAL OF ENGLISH TEACHING AND RESEARCH Indonesian Journal of Halal Research International Journal of Financial, Accounting, and Management PAPALELE : Jurnal Penelitian Sosial Ekonomi Perikanan dan Kelautan Jurnal Ilmiah Akuntansi Kesatuan JIIP (Jurnal Ilmiah Ilmu Pendidikan) Enrichment : Journal of Management RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL FOSTER: Journal of English Language Teaching Siyasatuna Jurnal Ilmiyah Mahasiswa Siyasah Syariyyah Ethical Lingua: Journal of Language Teaching and Literature Darul Ilmi: Jurnal Ilmu Kependidikan dan Keislaman Jurnal Pengabdian kepada Masyarakat Nusantara Fitrah: International Islamic Education Journal SPEKTA (Jurnal Pengabdian Kepada Masyarakat : Teknologi dan Aplikasi) Al-Ulum: Jurnal Pendidikan Islam Tafkir: Interdisciplinary Journal of Islamic Education Cendikia : Media Jurnal Ilmiah Pendidikan Bulletin of Community Engagement Journal of Indonesian Management Indonesian Journal of Research and Educational Review (IJRER) Al-Mizan: Jurnal Kajian Hukum dan Ekonomi Al-Ulum: Jurnal Pendidikan Islam Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Aceh International Journal of Science and Technology Jurnal Pengabdian kepada Masyarakat Innovative: Journal Of Social Science Research Jurnal Fairness KAMI MENGABDI Tematik: Jurnal Konten Pendidikan Matematika JIM: Jurnal Ilmiah Mahasiswa Pendidikan Sejarah Journal of Gender Equality and Social Inclusion (gesi) Lucerna : Jurnal Riset Pendidikan dan Pembelajaran Jurnal Point Equilibrium Manajemen dan Akuntansi Leuser Journal of Environmental Studies Jurnal Pallangga Praja Journal Of Carbazon TINTA NUSANTARA : Jurnal Ekonomi, Manajemen, dan Akuntansi PANDAWA : Jurnal Pengabdian kepada Masyarakat Balobe: Jurnal Pengabdian Masyarakat Al-Fathanah Jurnal Studi Islam dan Pendidikan Agama Islam Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) JER JURNAL REKAYASA KIMIA & LINGKUNGAN Al I'tibar Jurnal Pendidikan Islam IJoCE: Indonesian Journal of Counseling and Education

Saiful Saiful

Universitas Islam Negeri Ar-Raniry Banda Aceh

Author-ID : 368650

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions 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 Transportation Other

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Penyuluhan Literasi Keuangan Bagi Istri Nelayan di Pulau Rhun Untuk Membangun Ketahanan Keuangan Keluarga Ruban, Angela; Saiful, Saiful
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 3 (2025): Edisi Juli - September
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v6i3.5922

Pendapatan nelayan yang tidak menentu akibat faktor alam dan fluktuasi harga ikan menuntut adanya pengelolaan keuangan yang bijaksana. Namun, rendahnya literasi keuangan di kalangan istri yang merupakan pihak pengelola keuangan di keluarga nelayan menjadi hambatan utama dalam mencapai ketahanan finansial keluarga. Oleh karena itu, kegiatan ini bertujuan untuk meningkatkan pemahaman tentang literasi keuangan serta bagaimana strategi untuk mengelola pendapatan yang tidak menentu bagi 28 istri nelayan di Pulau Rhun. Metode yang digunakan dalam pelaksanaan kegiatan ini adalah ceramah dan diskusi, yang diawali dan diakhiri dengan pre-test dan post-test untuk mengukur tingkat pemahaman peserta. Hasil yang diperoleh menunjukkan adanya peningkatan pengetahuan yang signifikan antara sebelum dan sesudah kegiatan, dengan rata-rata skor post-test yang lebih tinggi dibandingkan pre-test. Hal ini mengindikasikan bahwa penyuluhan literasi keuangan bagi istri nelayan ini telah memberikan pemahaman mengenai pentingnya pengelolaan keuangan yang bijaksana untuk usaha penangkapan ikan yang dijalankan maupun kebutuhan sehari-hari, serta peningkatan kesadaran akan peran strategis istri dalam mendukung stabilitas ekonomi keluarga.

Pola Assesment Dalam Kebijakan Merdeka Belajar Menurut Perpektif Pendidikan Islam Hadini, Hadini; Imamuddin, M. Imamuddin; saiful, saiful; Realita, Realita
Darul Ilmi: Jurnal Ilmu Kependidikan dan Keislaman Vol 11, No 1 (2023)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/di.v11i1.10408

The step to implement the "Merdeka Belajar" policy taken by the Minister of Education is an effort to lift the quality of Indonesian education which is far behind among other countries, its existence is also expected to be able to accelerate competition in the era of information and Industry 4.0. which relies on the power of technology and the rapid digitisation of information. The birth of this policy has certainly given birth to greater implications in the education system in Indonesia. One of the impacts of the implementation of this policy is the change in the assessment system in educational institutions, where the form of assessment has its own characteristics that are different from the previous assessment system. To find the form and characteristics of the assessment system in the policy, this research tries to explore using the library research method. In this case, researchers conducted a search by analysing various literatures in the form of books, research results, and journals, both national and international, related to the assessment system in the "Merdeka Belajar" policy. Based on the study conducted, it was found that: first, the assessment pattern consists of ALK assessment in addition to AKM and AK. Where the object of evaluation is more focused on input, process and out put. In addition, the elimination of the UN, USBN is returned to the School and conducts National Assessment (AN). as for the aspects of the National Assessment include, Minimum Competency Assessment (AKM), Character Survey (SK), and Work Environment Survey (SLK). Secondly, there is a relevance between the objectives of Islamic education and the object of assessment in the elements of the Minimum Competency Assessment (AKM) Character Survey (SK).

FAKTOR YANG MEMPENGARUHI PEMBIAYAAN BERMASALAH GOLONGAN BERPENGHASILAN TETAP Kanda, Pajri; Saiful, Saiful; Puspita, Lisa Martiah Nila
JURNAL FAIRNESS Vol. 6 No. 1 (2016)
Publisher : UNIB Press

The aim of this reaserch is to analyze the the influencing of fraud, poor management, internal problem between debtor and the company, Bad debtor attitude, abuse installments by coordinator on financing performance problems of fix income group debtors of Islamic bank.By using cluster sampling method, the 100 respondents were selected as a sample of the study. Using logistic regression analysis, this study found that fraud and debtor attitude influence on financing performance of fix income debtors. It mean that both fraud and debtor attitude can used to predict the non performing financing of fix income debtors in Islamic Bank. This study also found that poor management, internal problem between debtor anda the company and abuse installments by coordinator are not influence on financing performance problems of fix income group debtors.

PENGARUH KEMAMPUAN SUMBER DAYA MANUSIA DAN PEMANFAATAN TEKNOLOGI INFORMASI TERHADAP KUALITAS LAPORAN BARANG MILIK NEGARA Kurniawan, Kurniawan; Saiful, Saiful; Midiastuti, Pratana Puspa
JURNAL FAIRNESS Vol. 6 No. 2 (2016)
Publisher : UNIB Press

The purpose of this research is to analyze the influence of human resources capacity and the utilization of information technology toward the quality of state property report. This research was conducted on units under the KPPN Bengkulu authority.The populations of this research were the operators of state property reports in the units under the KPPN Bengkulu authority whose have more than 2 years working experiences. The variables of this research are the human resources capacity and the utilization of information technology as the independent variables and the dependent variable is the quality of state property report (Y). The data are collected from the questionnaire filled by 121 operators of the state property report. The data analysis method of this research was multiple linear regressions.The results show that the human resources capacity and the utilization of information technology have the positive influence toward the quality of state property report. The implication of this research toward the units was the units under the KPPN Bengkulu authority have to manage the human resources and utilize the state property.

KEMAMPUAN RASIO CAMEL DALAM MEMPREDIKSI PERTUMBUHAN LABA BANK BUMN Permatasari, Rinny; Saiful, Saiful; Midiastuty, Pratana P
JURNAL FAIRNESS Vol. 6 No. 3 (2016)
Publisher : UNIB Press

The focus of this study aimed to analyze the influence of financial ratios to future earnings growth consist of CAR, KAP, PPAP, NIM, ROA, ROA, and LDR. The sample in this research is the state-owned banking company listed on the Indonesian Stock Exchange which issued quarterly and annual financial statements for fiscal year 2009 to 2013, namely PT. Bank Mandiri (Persero), Tbk, PT. Bank Rakyat Indonesia (Persero), Tbk, and PT. Bank Negara Indonesia (Persero), Tbk. These three state-owned banks are located in the category of Commercial Bank Business Activities (BUKU) 4 with core capital above Rp. 30 trillion. Data collection methods used are literature and documentation. Data were analyzed using classic assumption test, multiple linear regression analysis test, and test the hypothesis by using the tool SPSS. This study could not provide the empirical evidence on the influence of CAR, KAP, PPAP, NIM, BOPO, ROA, dan LDR to earning growth.

DETERMINAN MINAT NASABAH DALAM MEMILIH PEMBIAYAAN SYARIAH Hertika, Elvira; Saiful, Saiful; Suranta, Eddy
JURNAL FAIRNESS Vol. 6 No. 3 (2016)
Publisher : UNIB Press

The purpose of this research is to determine the influence of knowledge, religious obligation, attitude, social influence and pricing of islamic personal financing toward the intention to use islamic personal financing. This research was conducted on PT Bank BNI Syariah Branch of Bengkulu.The populations of this research were customers who use of Islamic personal financing at PT Bank BNI Syariah Branch of Bengkulu both existing customers or new customers. The data are collected from the questionnaire filled by 89 customers who use the of Islamic personal financing. The data analysis method of this research was processing by SmartPLS.The results show that knowledge an social influence have the positive significant influence toward the intention the customer in choosing the Islamic personal financing. Pricing of islamic personal financing have positive influence while religious obligation, attitude has no influence toward the intention the customer in choosing the Islamic personal financing. The results of this study have implications for more effective strategies can be recommended to attract bank customers to use Islamic personal financing. The findings of this study should be of value to Islamic banks in terms of expanding their customer base.

PENENTU KEBIJAKAN DIVIDEN PERUSAHAAN YANG TERDAFTAR DI BURSA EFEK INDONESIA Prabulana, Rahadian Dopin; Saiful, Saiful; Suranta, Eddy
JURNAL FAIRNESS Vol. 7 No. 1 (2017)
Publisher : UNIB Press

The dividend distribution policy is a difficult financial decision for management. The research objective was to examine the determinants of the Dividend Payout Ratio (DPR) in companies listed on the Indonesian stock exchange. The independent variables used in this study are Free Cash Flow (FCF), Debt Rate (LEVERAGE), Foreign Ownership Level (FOREIGN), Growth Rate (GROWTH), and Company Size (SIZE).The research sample was 62 non-financial companies listed on the Indonesia Stock Exchange using multiple regression analysis. This study is exposed to the problem of classical assumptions, namely data normality and cannot be resolved due to the limitations of the study sample. This study is also affected by the problem of heteroscedasticity so that the hypothesis testing uses weighted least square (WLS).The results showed evidence that FCF, Growth and Size have an effect on dividend payment policies and Leverage and Foreign have no effect on dividend payments. This study shows that investors who expect dividend payments can invest in companies that have a high FCF, large size and low growth, on the other hand, if investors expect a greater investment return, it can be obtained from Capital Gain. This research also shows that agency conflicts related to FCF can be resolved through dividend payments.

PENGARUH RASIO-RASIO MODAL KERJA DAN ARUS KAS OPERASI TERHADAP PROFITABILITAS Wahyuni, Marina Fitri; Saiful, Saiful; Nikmah, Nikmah
JURNAL FAIRNESS Vol. 7 No. 2 (2017)
Publisher : UNIB Press

This study aimed is find an empirical evidence about the influence of working capital ratios and cash flow on profitability. Working capital ratios is proxied by the cash conversion cycle, current ratio, quick ratio, inventory turnover, accounts receivable turnover, turnover of debt and working capital turnover. Meanwhile cash flows dan profitability measured by change in cash flows and return on investment (ROI) respectively.Based on purposive sampling, 67 manufacturing companies were selected as a sample of this study for three years observation.This study found that the cash conversion cycle and quick ratio negatively influence on profitability. Incontrast, this study also found that current ratio positively influence on profitability. This study could not find the influence of inventory turnover, accounts receivable turnover, turnover of debt, working capital turnover, and operating cash flow on profitability.

PENGUNGKAPAN CSR PADA HUBUNGAN PROFITABILITAS DAN STUKTUR KEPEMILIKAN TERHADAP NILAI PERUSAHAAN Nindita, Nansi Ria; Saiful, Saiful; Coryanata, Isma
JURNAL FAIRNESS Vol. 7 No. 2 (2017)
Publisher : UNIB Press

The purpose of this study is to empirically prove the effect of profitability, managerial ownership on firm value, and to prove empirically that CSR disclosure is able to moderate the relationship between profitability and firm value.The population of this research is all mining sector companies listed on the IDX in 2013-2015 totaling 41 companies. Samples were taken using the purposive sampling technique, obtained a sample of 34 companies. The analytical method used is multiple linear regression.The results of this study indicate that the profitability variable has a negative effect on firm value. Managerial ownership has no effect on firm value. Institutional ownership has a negative effect on firm value. CSR disclosure moderates the relationship between profitability and firm value.

PERANAN KUALITAS AUDIT DALAM HUBUNGAN KEPEMILIKAN MANAJEMEN DAN INFORMATF LABA PERUSAHAAN NON-KEUANGAN INDONESIA Wisesa, Muhammad Akbar; Saiful, Saiful
JURNAL FAIRNESS Vol. 8 No. 2 (2018)
Publisher : UNIB Press

This research aimed to determine the effect of management ownership to the informativeness of accounting earnings, with the quality of audit as moderating. The sample consisted of 110 firms (non-financial) listed at Indonesia Stock Exchange from 2012 - 2014 by using a purposive sampling method. The theory in this research is signalling theory. And proxy of the informativeness of accounting earnings is earnings response coefficient (ERC).The results of this research showed the effect of management ownership didn’t negative to the informativeness of accounting earnings. Then, the quality of audit (dummy variable) found moderating the effect of management ownership to the informativeness of accounting earnings.

Co-Authors Abrar Muslim Adisalamun Adisalamun Agus Winarsih Ahmad, Khairunnas Aidah, Mus Ainal Mardhiah Akmalauddin, Akmaluddin Alfian, Nurul Amar, Siti Salama Amelia, Marysha Ameraldo, Fedi Amiruddin, Nurul Khairiyah Anak Agung Gede Sugianthara Anastasya, Millenia Putri Andi Desiah Pradilia Andi Mulawakkan Firdaus Andika, Mohammad Andini S, Andini s Angela Ruban, Angela Anggreni Bako Angraeni, Lusy Angrainum, Ode Delvi Apriani, Eva Aprila, Nila Arafah, Abdul Latif Arung ARDIANSYAH ARDIANSYAH Arfiani, Berliana Ariana Ariana Ariesta Setyawati Arthana, Nana Aslawiyah, Siti Rabiaatul Asriadi, A.Amran Asriadi, Amran Asriadi, Andi Amran Astrianto Setiadi, Muhammad Atrhana, Nana Ayudho Selviani Aziza, Nurna Azmil Umur, Azmil Basra, Siti Mutia B. Burhanuddin Burhanuddin Bustaram, Isnain Chamariyah, Chamariyah Darmadi Darmadi Delsinasari, Adella Dharma, Dian Budi Divianto Divianto Djaja, Herman Dzilarsy, Adni Ema Sulastri Eriza, Tiara Erna Hayati, Erna Erna Sari, Erna Erwin Akib Faisal Abdullah Faiza Nudia Fakhrul Rijal, Fakhrul Fatkhiyaturrohmah, Fatkhiyaturrohmah Febriani Febriani, Ike Fitri Santi Fortuna, Karina Dwi Fransisca Fransisca Gazali Gazali Gianni, Shelli Elsa Hadini Hadini, Hadini Hafid, Hilda Hafiz, Muhammad Ariqoh Halimatusyadiah, Halimatusyadiah Hamdi Yusliani Hamdi Yusliani Hamid Ismail Hamid, Radiah Hasyim, Taufiqurrahman Hayati Hayati Hellen Nanlohy Hertika, Elvira Heru Juabdin Sada Hesti Meilina Hijrah Hijrah Husaini Husaini I Dewa Gde Mayun Permana Ibrahim, Muliyaty Ichwana Ichwana Ilham Maulana Imam Bukhori Imam Prawiranegara Gani Imamuddin, M. Imamuddin Iqhrammullah, Muhammad Irfan Mustafa Irmawanty, Irmawanty Isma Coryanata Ismail, Hamid Istiqomah, Vania Anbael Nur Iwan Ramadhan Jayaprawira, Acep Riana Juliana Juliana Kamaludin Kamaludin Kamaruzzaman, Suraiya Kamila, Nurul Kanda, Pajri Khaeriyah, Andi Kurnia, Yustina Kurniawan Kurniawan Lala, Andi Lestari, Devi R Lismijar, Lismijar Lisya, Rahma M. Ikhwan M. Raihan Zahri Mahmud, Ikwan Mahmudi Mahmudi Maimun Maimun Maishara, Fitria Marlina Marlina Maswar Maswar Masya, Saifullah Maulidani, Yurdi Mauliza, Mauliza Maulydia, Nur Balqis Mayori, Zulfa R. Midiastuti, Pratana Puspa Midiastuty, Pratana P Midiastuty, Pratana Puspa Mihani, Mihani Mirjan Mirjan Muh Arief Mukhsin Muhammad AR Muhammad Farhan Muhammad Yusuf Muliadi Ramli Mumtazul Fikri Murni Murni Muslim*, Abrar Muwatto', Muhammad Nabila, Nabila Nabilla Dwi Puspita Nikmah Nikmah Nindita, Nansi Ria Nirma Nirma Novadilastri, Novadilastri NOVIANTI, MAYA Novita Sari Nudia, Faiza Nurbayani Nurbayani nurfitriana nurfitriana Nurjannah Nurjannah Nurwijayanti Oktasari, Dwince Pamuji, Siti Sulistyani Panjaitan, Riong seulina parma, syafriadi kurnia Permatasari, Rinny Pika, Pika Prabulana, Rahadian Dopin Pradipta, Oki Prasetyo, Siswoyo Puspita, Lisa Martiah Nila Putra, Anggar Putra, Fabian Anugrah Putra Putranto, Haidar Dwi Putri, Hervita Qalbi, Nur Qoyyimah, Annisaul Rahmalita, Nurul Aisyah Rahman, Sunarti Abd Rais, Rasnindah Abu Realita Realita, Realita Reza, Fakhrur riana, ausy Rina Asrini Bakri Rinaldi Idroes Rindiani, Rindiani Risaldi, Moh. Rolita, Rolita Romadhona, Agus Romadloni, Moh. Rosnidarwati Rosnidarwati Rosnidarwati, Rosnidarwati ruban, angela1004 Sabrina, Rorina Sahara, Herman Salfauqi Nurman, Salfauqi Samin, Sabri Sanusi Sanusi Sari, Rita Kumala Sattar Sattar, Sattar SH, Hendra Silahuddin Silahuddin Silvia, Ika Sinambela, Rio Pandi Siti Aisyah Siti Maryam Siti Munawati Siti Nur Aisyah Siti Nurislamiah Siti Rahmi, Siti Siti Sarah, Siti Sitorus, Yalizar Rahayu Sitti Saleha, Sitti Solly Aryza Subekti, Putri Refani Suciati, Lily Sufriadi, Elly Suhendra, Rivansyah Sularno Sularno, Sularno Sumirna, Sumirna Sunartaty, Rita Suranta, Eddy Suratin, Sonia Isna Suriana Suriana Syahrun Nur Syahrun Nur Abdulmadjid Syamsiarna Nappu Syamsiarna Nappu, Syamsiarna Syamsuddin, Fitria Syahruni Syatriana, Eny Tanri Wulan, Dian Teuku Zulfikar Ulfaika, Romlah Wahid Haddade, Abdul Wahyuni, Marina Fitri Widiyastuti, Lusi Wildanika, Arifian Wisesa, Muhammad Akbar Yohanes Bahari yuni ratnasari Yunida, Hailen Ike Zahrah, Anita Zahri, M. Raihan Zainuddin Zainuddin Zainuddin, Zainuddin Zakaria Zakaria Zarrazir, Alifia Zulfiani, Utari

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