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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL PENDIDIKAN ROKANIA Jurnal Ilmiah Ecobuss JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Gemilang: Jurnal Manajemen dan Akuntansi JOURNAL OF WETLANDS ENVIRONMENTAL MANAGEMENT J-ISACC : Journal of Islamic Accounting Competency Maslahah: Jurnal Manajemen dan Ekonomi Syariah Journal of Islamic Economics and Finance Jurnal Ekonomi dan Pembangunan Indonesia Seurune : Jurnal Psikologi Unsyiah
Kamilah Kamilah
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Library & Information Science Public Health Social Sciences

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Pengaruh Inflasi, Financing To Deposit Ratio (FDR) Dan Efisiensi Operasional Terhadap Return On Asset (ROA): Studi Kasus Bank Syariah Listing BEI Nida Nurhayani Pohan; Kamilah Kamilah; Rahmat Daim Harahap
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.443

Abstract

This study aims to analyze the effect of inflation, financing to deposit ratio (FDR), and operational efficiency on return on assets (ROA) in the financial sector. ROA is an important performance indicator for financial companies, because it reflects the level of profitability of the assets owned. The research method used is regression analysis with annual data from various financial companies during the study period. Inflation is measured using the consumer price index (CPI), FDR describes the ratio between loans provided by banks and deposits received from customers, and operational efficiency is measured by the ratio of operating costs to operating income. The results of this study provide useful insights for the management of financial companies in facing challenges from economic and operational factors. To increase ROA, companies need to consider effective inflation risk management strategies and optimize the FDR ratio, while still focusing on improving their operational efficiency.
Integrasi Akuntansi Manajemen, Digitalisasi Qris Dan Prinsip Syariah Pengukuran Kinerja UMKM Menuju Ekonomi Berkelanjutan di Kecamatan Kabanjahe Kamilah Kamilah; Muhammad Hafiz; Fazira Maharani; Elisa Fitri; Dewi Sundari; Irfan Muhdiya
GEMILANG: Jurnal Manajemen dan Akuntansi Vol. 6 No. 1 (2026): Jurnal Manajemen dan Akuntansi
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/gemilang.v6i1.3430

Abstract

This study aims to analyze the role of QRIS-based MSME digitalization with sharia economics in realizing the principles of sustainable economic growth in Samura Village, Kabanjahe District, Karo Regency. The background of the study is based on low digital literacy, limited marketing access, and the dominance of cash transactions still carried out by local MSMEs. The research method uses a qualitative approach with observation techniques, interviews, and direct mentoring through the Real Work Lecture (KKN) program of the State Islamic University of North Sumatra. The results show that the implementation of QRIS can improve transaction efficiency, expand market reach, and increase consumer trust. In addition, the digital literacy program successfully encouraged MSMEs to utilize social media and use simple promotional media as a marketing tool. The integration of QRIS with sharia economic principles displays harmony with the values of justice, transparency, and benefit that are important foundations of sustainable development. Accounting theory is an important part of accounting practice. A proper understanding of this theory encourages the creation of sound and well-directed accounting practices. In the context of Sharia, accounting practices emerge as a solution to various problems found in conventional transactions that are not aligned with Islamic values. Thus, QRIS-based MSME digitalization can be used as a model in strengthening the local economy while supporting the achievement of the Sustainable Development Goals (SDGs).
Co-Authors Angel Agus Trifanto Ardila Nasution Dewi Sundari Elda Oviyani Elisa Fitri Fazira Maharani Herlis Meira Dewi Irfan Muhdiya Khairul Rahman Maghfirah Belangi Mawaddah Irham Meutia Natasya Muhammad Hafiz Muhammad Lathief Ilhamy Nasution Nida Nurhayani Pohan Nuri Aslami Nurul Inggih Ryandani Nurwani Nurwani Rahmat Daim Harahap Rika Sapriyani Rizky Abdillah Daulay Sarah Sisilya Az Badal Siti Humairoh Rambe Sumarno Sumarno Syarifah Faradina Widayanto, Mutinda Teguh Yanetri Asi Nion