Article Per Year (5 Year)
p-Index From 2021 - 2026
2.572
P-Index
This Author published in this journals
All Journal Jurnal Manajemen & Keuangan J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal Investasi Islam el-Jizya: Jurnal Ekonomi Islam Profit: Jurnal Manajemen, Bisnis dan Akuntansi QISTINA: Jurnal Multidisiplin Indonesia Jurnal Ilmiah Mahasiswa Seuraya Jurnal Pengabdian Kepada Masyarakat
Zikriatul Ulya
IAIN Langsa
Religion Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Social Sciences Other

Published : 14 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 14 Documents
Search

 1   2 
Analysis of Financial Planning and The Factors that Influence It: Student Case Study Akla Rizka Alamsyah; Zikriatul Ulya; Khairatun Hisan
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 2 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v8i2.7103

Abstract

This research aims to determine the effect of financial literacy, financial behavior and self-control on student financial planning. This research is a quantitative study of 213 respondents using simple random sampling technique with the requirement that students have taken financial planning courses. Data analysis using SmartPLS with two model tests. The results obtained are that financial literacy, financial behavior and self-control have a positive and significant effect on financial planning partially. The findings also show that there is an indirect effect through self-control that financial literacy has a positive but not significant effect, but has a positive and significant effect on the relationship between financial behavior to financial planning. These results indicate that financial management knowledge will be much more useful if it is practiced in everyday life to achieve planned financial goals. For this reason, it is important for the world of education not only to teach financial knowledge, but also to help improve individual behavior so that they have good discipline and self-control.
Strategy In Preventing Financial Distress: Resolution Of Problem Financing At Bank Aceh Syariah Branch Peureulak Aceh Zikriatul Ulya; Safwandi; Sarita Ulfia; Muarif Setiawan; Zulhilmi
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,10 No 1 (2025)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v10i1.10962

Abstract

This study discusses the strategy of resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch peureulak, the problems presented in this study are, the level of financing problems in Bank Aceh Syariah sub-branch of peureulak how to solve problematic financing in preventing financial distress at Bank Aceh Syariah Peureulak auxiliary branch, what decisions are taken in the settlement of problematic financing, what are the strategies in the settlement of problematic financing. The purpose of this study is to analyze the strategy for resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch peureulak with a process hierarchy analysis method. This research method is the positive qualitative Analytic Hierarchy Process (AHP) method. The results of this study show that the alternative priority of problematic financing settlement strategies in preventing financial distress at Bank Aceh Syariah sub-branch peureulak from the results of the assessment of 3 criteria, 5 sub-criteria, and 4 alternatives based on the results of the analysis of AHP using expert choice The highest priority strategy is to close and sell one or more business units (0.293), then the second strategy priority is the extension of the credit schedule (0.280), and the third strategy is to reduce profits (0.231). In conclusion, the priority of alternative strategies for resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch of peureulak from the results of the assessment of 3 criteria, 5 sub-criteria, and 4 alternatives based on the results of the analysis using expert choice obtained is the highest priority of the third-party fund dependency strategy with an inconsistency value of 0.05< 0.1 interpreted as consistent. The recommendation for banks is to strengthen risk analysis and financing restructuring policies, while for customers, it is recommended to be cooperative in following financing rescue policies so that business sustainability is maintained and the risk of financial distress can be minimized.
Lifestyle Vs Savings: Unveiling the Soft Saving Behavior of Generation Z Zikriatul Ulya; Iqbal Syah; Alfian Alfian; Muarif Setiawan; Zulhilmi
Jurnal Manajemen dan Keuangan Vol 15 No 1 (2026): Journal Management and Finance
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmk.v15i1.14186

Abstract

Soft saving behavior, or irregular saving habits, is still prevalent among Generation Z in Langsa City. This phenomenon is influenced by internal and external factors that shape the financial behavior of the younger generation in the digital era. This study aims to analyze the influence of financial literacy, social environment, and lifestyle on soft saving behavior, with self-control as an intervening variable. This study is based on the Theory of Planned Behavior (TPB), which explains that behavior is influenced by knowledge, social norms, and self-control. This study used a quantitative approach with a survey method of 100 Generation Z respondents in Langsa City selected through a purposive sampling technique. Data were collected using a questionnaire and analyzed using path analysis using SmartPLS 4.0. The results showed that financial literacy, social environment, and lifestyle have a positive effect on self-control. Financial literacy, lifestyle, and self-control have a direct effect on soft saving behavior, while the social environment has no direct effect. However, all independent variables have an indirect effect on soft saving behavior through self-control. These findings underscore the importance of self-control in shaping Generation Z's savings habits, as well as the need for increased financial literacy and a more focused lifestyle. This serves as a strategic step in fostering healthy financial behaviors among the younger generation.
Factors Affecting Profitability in Sharia Business Unit Banks in Indonesia for the 2018-2022 Period Elindian Kartika Sari; Zikriatul Ulya
QISTINA: Jurnal Multidisiplin Indonesia Vol. 3 No. 1 (2024): June 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/qistina.v3i1.2350

Abstract

This study aims to look at the effect analysis of Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Expenses Operating Income (BOPO) on the profitability of Return On Assets (ROA) of Islamic Business Unit Banks in Indonesia.  In this study using a quantitative approach to secondary data in the form of time series data period 2018-2022.  The population of this study is a Sharia Business Unit Bank registered with the Financial Services Authority.  The data analysis technique used is multiple linear regression, namely testing the effect of the independent variable (X) on the dependent variable (Y).  The results of this study indicate that Non Performing Financing (NPF) has no positive effect on ROA profitability with a value of 0.1739>0.05.  The Financing to Deposit Ratio (FDR) has a positive effect on ROA profitability with a value of 0.0000<0.05.  And Operating Expenses Operating Income (BOPO) has a positive effect on ROA profitability with a value of 0.0000<0.05. The NPF variable partially has no effect on ROA, while the FDR variable and BOPO variable simultaneously have a significant effect on ROA in Islamic Business Unit Banks in Indonesia.
Co-Authors Abdul Hamid Akla Rizka Alamsyah Alfian Alfian Aulia Husniati Dewi Wahyu Anggrainingsih Elindian Kartika Sari febi febi Husni Ilham Juliyannur Iqbal Syah Khairatun Hisan Khairatun Hisan M. Yahya Muarif Setiawan Muarif Setiawan Muarif Setiawan Mutia Sumarni Nanda Syafriani Nasruddin Ndaru Irawadi Nurjanah Riska Hanifa Safwandi Sarita Ulfia WAHYUNI Zulfa Eliza Zulhilmi Zulhilmi Zulhilmi Zuliani, Rafiza