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All Journal I-ECONOMICS: A Research Journal on Islamic Economics Jurnal Ilmiah Ekonomi Islam Scientific Journal of Reflection : Economic, Accounting, Management and Business Syi'ar Iqtishadi JURNAL PENDIDIKAN TAMBUSAI ADLIYA: Jurnal Hukum dan Kemanusiaan Jurnal Perspektif Dinasti International Journal of Digital Business Management JCIC: Jurnal CIC Lembaga Riset dan Konsultan Sosial Komitmen : Jurnal Ilmiah Manajemen Al-Muamalat : Jurnal Ekonomi Syariah Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) EKONOMIKA45 Journal of Islamic Economics and Business JISMA: Jurnal Ilmu Sosial, Manajemen, dan Akuntansi Gunung Djati Conference Series Ekalaya : Jurnal Ekonomi Akuntansi Riset Ilmu Manajemen Bisnis dan Akuntansi Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Ilmiah Ekonomi dan Manajemen Al-Zayn: Jurnal Ilmu Sosial & Hukum Neraca Manajemen, Akuntansi, dan Ekonomi Moneter : Jurnal Ekonomi dan Keuangan Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Vitalitas Medis : Jurnal Kesehatan Dan Kedokteran Quantum Wellness : Jurnal Ilmu Kesehatan Jurnal Pajak dan Analisis Ekonomi Syariah Jurnal Ekonomi, Akuntansi dan Perpajakan Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak Jurnal Inovasi Ekonomi Syariah dan Akuntansi Journal of Islamic Contemporary Accounting and Business Jurnal Bisnis Inovatif dan Digital Akuntansi dan Ekonomi Pajak: Perspektif Global Jurnal Bisnis, Ekonomi Syariah dan Pajak Jurnal Riset Multidisiplin Edukasi Risalah Iqtisadiyah: Journal of Sharia Economics Teknofile, Jurnal Sistem Informasi Jurnal Akuntansi Syariah (JAkSya) Jurnal Restorasi: Hukum dan Politik Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah
Mia Lasmi Wardiyah, Mia Lasmi
UIN Sunan Gunung Djati Bandung
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 Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Analisis Perbandingan Kinerja Keuangan BJB Syariah dan BSI di Indonesia Periode 2020-2024 Wardiyah, Mia Lasmi; Fazriani, Eva; Sa’idah, Meilatus; Hendrayana, Nanda Nursyahira; Ramadhani, Najwa Syarifah
Jurnal Pendidikan Tambusai Vol. 10 No. 1 (2026)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v10i1.36972

Abstract

Penelitian ini bertujuan untuk menganalisis serta membandingkan kinerja keuangan Bank BJB Syariah dan Bank Syariah Indonesia (BSI) di Indonesia selama periode 2020–2024. Penelitian ini menggunakan pendekatan kuantitatif komparatif dengan data sekunder berupa laporan keuangan tahunan masing-masing bank. Indikator kinerja keuangan yang digunakan meliputi Capital Adequacy Ratio (CAR), Return on Equity (ROE), dan Return on Assets (ROA). Teknik analisis data dilakukan melalui statistik deskriptif, uji normalitas Shapiro-Wilk, serta uji beda menggunakan Paired Samples Test. Hasil penelitian menunjukkan bahwa secara umum kinerja CAR kedua bank berada pada kategori sehat dan tidak terdapat perbedaan yang signifikan antara keduanya. Namun, pada aspek profitabilitas, baik ROE maupun ROA menunjukkan perbedaan yang signifikan, di mana BSI memiliki nilai ROE dan ROA yang secara statistik lebih tinggi dibandingkan BJB Syariah. Hal ini mengindikasikan bahwa BSI lebih efektif dalam mengelola modal dan aset untuk menghasilkan laba. Temuan penelitian ini diharapkan dapat menjadi bahan pertimbangan bagi manajemen perbankan syariah dan regulator dalam meningkatkan kinerja dan daya saing perbankan syariah di Indonesia.
Peran Pengendalian Keuangan dalam Pencairan Pembayaran Internal: Perspektif Akuntansi Syariah Bank BJB Syifa Rahmatul Awaliyah; Mia Lasmi Wardiyah
Jurnal Bisnis, Ekonomi Syariah, dan Pajak Vol. 3 No. 2 (2026): Juni : Jurnal Bisnis, Ekonomi Syariah, dan Pajak (JBEP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jbep.v3i2.2326

Abstract

This study aims to analyze the role of the Financial Control Division in controlling the payment disbursement stage to internal divisions at the Head Office of Bank bjb Syariah. The research employed a descriptive qualitative approach, with data collected through interviews and direct observations conducted during the Field Work Practice (PKL). Data validity was ensured through source triangulation by comparing information from interviews, observations, and relevant literature. The results indicate that the Financial Control Division plays a significant role in the payment disbursement process through mechanisms of document verification, administrative completeness checks, and supervision of payment requests in accordance with applicable procedures. The implemented controls are intended to maintain administrative order, minimize the risk of errors, and prevent potential irregularities. These control mechanisms reflect the principles of Islamic accounting, particularly the principles of trustworthiness (amanah) and prudence. The study identifies incomplete documentation as a common challenge, which is addressed through a document return mechanism that allows the requesting division to complete the required documents. The findings provide implications for the development of internal control systems in Islamic financial institutions, demonstrating how Islamic accounting principles can be operationalized to enhance financial management practices while maintaining ethical and religious compliance standards.
PERAN APLIKASI OK AL-IKHLASH DALAM MENINGKATKAN EFISIENSI PENGELOLAAAN KEUANGAN SANTRI PONDOK PESANTREN MODERN AL-IKHLASH Nuraini Laila Sari; Mia Lasmi Wardiyah
Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah Vol. 1 No. 6 (2025): Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah (Bulan Desember 2025)
Publisher : PT. Saha Kreasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64788/ar-rasyid.v1i6.179

Abstract

This study aims to analyze the role of the Ok Al-Ikhlash application in improving the efficiency of financial management for students (santri) at Pondok Pesantren Modern Al-Ikhlash. Prior to the implementation of this application, financial administration processes were carried out manually, which often led to several problems such as long queues, delays in financial recording, and a lack of transparency between the administration and the students’ guardians. Using a qualitative approach with a case study method, data were collected through interviews, observations, and documentation involving the finance department, student guardians, and students. The findings indicate that the Ok Al-Ikhlash application has successfully enhanced the efficiency, transparency, and accountability of financial management within the pesantren. Financial transactions such as balance top-ups, tuition fee payments, and savings records can now be processed digitally and in real time, minimizing human errors and accelerating administrative services. Moreover, the adoption of a cashless system through student cards fosters independence, discipline, and financial responsibility among students. Overall, the Ok Al-Ikhlash application contributes significantly to the modernization of pesantren financial management through digital technology integration.
Determinants of Sharia Accounting Students' Competence in Facing Industry 5.0 at State Islamic Religious Colleges in Java Island Mia Lasmi Wardiyah; Fithri Dzikrayah; Ade Ponirah
Journal of Islamic Economics and Business Vol. 5 No. 2 (2025): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v5i2.50155

Abstract

The advent of Industry 5.0 has intensified the demand for graduates to possess not only technical skills but also adaptive, innovative, and ethical competencies. In the context of State Islamic Religious Colleges (PTKIN) in Java, the readiness of Sharia accounting students to meet these demands remains uncertain, particularly regarding the integration of technology and Islamic values. This study examines the determinants of Sharia accounting students’ competence using the Theory of Planned Behavior framework, incorporating factors related to the learning process and educational environment. Data were collected through a questionnaire survey of Sharia accounting students from superior-accredited PTKIN in Java and analyzed using Partial Least Squares Structural Equation Modeling. The findings reveal that enriching educational experiences and the learning environment significantly influence student competence, while academic challenges, active learning, and staff–student interaction do not show significant effects. These results suggest that PTKIN should strengthen curriculum relevance by integrating technology, big data, and artificial intelligence into Sharia accounting education, while encouraging students to proactively develop Industry 5.0–related technological competencies.
Analisis Faktor-Faktor yang Mempengaruhi Keputusan Mahasiswa UIN Sunan Gunung Djati Bandung dalam Menggunakan E-Wallet Mia Lasmi Wardiyah; Zenny Pebrianti; Arif Budiman; Amia Putri Rafiani; Fauzy Abdurrohman
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 9 No. 1 (2026): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v9i1.1344

Abstract

This study examines the factors that influence students of UIN Sunan Gunung Djati Bandung in deciding to use e-wallets as a means of digital payment. The rapid growth of cashless transactions among young users has raised questions about what drives their adoption of digital financial services. Using a descriptive qualitative approach, the research involved 30 third-semester students of the Sharia Accounting Study Program selected through purposive sampling. Data were collected through open-ended questionnaire items distributed via Google Forms, allowing respondents to describe their experiences, motivations, and perceptions regarding e-wallet usage. The findings show that the level of e-wallet utilization among students is notably high, with DANA emerging as the most widely used application. Students’ decisions are influenced mainly by ease of use, fast transaction processes, promotional offers, and social encouragement from peers. Perceptions of security are generally positive, supported by features such as PIN and OTP verification, although several respondents still expect improvements to prevent data breaches. Students also view e-wallets as more practical for small, daily transactions, while digital banking services are considered more suitable for saving or conducting larger transactions. Overall, the study highlights that e-wallets play a significant role in shaping students’ financial behavior by offering convenience, efficiency, and accessible digital financial tools that align with their everyday needs.
Co-Authors Abdul Rojak, Abdul Abdullah Azzam Abidin, Deden Zaenal Ade Ponirah Adi Muhammad Syalimul Gaos Agustian, Muhammad Helmi Aini, Haniva Khuratul Aisyah Mega Benazira Ajeng Saeful Putri Akhirni Putri, Firna Flarestiana Al-Rasyid, Camelia Sofwan Alfarizi, Muhammad Bintang Alfiani, Mita Alifya, Afifah Ilmi Alya Afriliani Amia Putri Rafiani Andini Amalia Putri SW Andri Suwendi Ang Riqko Suhendi Anggraeni, Sri lestari Anjani, Sakila Meila Apriani, Nurul Ardillah, Nadwa Rahma Arham, Salwa Mayassarah Ariani Putri Utami Aribbah Fitroti Arif Budiman Asih, Alifah Sukma Aulia, Ghina Zahrah Auliyana, Auliyana Az Zahra, Aulia Falent Azahra, Hilma Amanatus Sa’adah Aziz Ramdhani, Muhammad Abdul Aziz, Fahmi Azzam Izzudin Bobang Noorisnan Pelita Dedi Supriyadi Delia Futri Apriliani Deska Pratama Dewi, Tia Junita Diani, Alika Rahmalia Diansyah, Hani Nur Dina Ecky Saputri Dini Hanifah Dwibasha’ir Budiman, Muhammad Danang Dzikrayah, Fithri Eldiani, Nita Erwin Munandar Fadhlurrahman, Muhammad Shidqi Fahira, Nabila Zumar Fahmi Hasan Nugroho Fahmi Irfanulloh Fakhrur Rozi Ramdhani Fauziah, Adinda Rahma Fauziah, Sofia Maryam Fauzy Abdurrohman Fazriani, Eva Febrian, Muhammad Egi Fiddienillah, Qheista Noor Filardhy, Muhammad Khalifah Fithri Dzikrayah Ghefira Rahima Gitsni, Muhammad Faizal Gumilang, Redi Gumilar, Asya Nurbayani Hafidhlatul H, Kalyca Najmi Hafizh Febryansyah Sonjaya Haifa Nur Jubaidah Haikal Kamil, Muhammad Rizki Hanina, Savira Hayatul Fazri, Muhammad Haikal Hendrayana, Nanda Nursyahira Hidayat S, Viola Aulia Hudiah, Nuri Nurul Ilham Abdullah, Ilham Inda Maula Zulfa Irfanullah, Fahmi Istiqomah, Iis Iwan Setiawan Izzul Haq Firman Maulana Kamila, Gisa Raenisa Kartika Dwifa Siregar Khaidir Ali Fachreza Khoerunnisa, Agna Khoirunnisa, Afifah Latif, Ayi Abdul Lestari, Kinanti Mugi M. Rafeli Iskandar Malika Aura Kinanti Margana, Marina Silvya Marliani, Amalia Matsani, Qurana Sab’ul Maulana, Izzul Haq Firman Meilani, Dini Mia Nurhasanah Miftahul Chair Moch Alfiana Candra Jani Mochammad Rival Wijaya Putra Mugni, Halim Abdul Muhammad Al Ghifari Muhammad Daffa Muhammad Faiz Haikal Muhammad Izzudin Islam Muhammad Rafly Muhwan Hariri, Wawan Mukhlis Harvian Muslimah, Adrezka Mudina Mutiara Putri, Ghaitsa Nabil Makarim Nabila Indriani Nabila Nandayanti Nadya Nur Haplah Najla Kayla Najla Khayira Najla Sahla Sahira Nanda Kuswandari Nasya Zahra Naufal Aziz Maulana Neni Nuraeni Ni’matul Aliyah Nuraini Laila Sari Nuraini Laila Sari Nurhaliza, Nasywa Sania Nurhalizah, Siti Nurhasanah, Dalih Mutiara Nurjaman, Muhamad Izazi Nurlaela, Seli Nurlaila, Lela Nurmalasari, Andini Nurul Azmi Muhamad Tauhid Nurul Hasana NURUL RAHMAWATI Nuryanti , Juju Oktaviani, Siti Atikah Oktiani, Rashifah Zahra Pangestu, Trimas Arya Paujiah, Ninda Nabila Permatasari, Adila Pingkan Salsa Hadiansyah Ponirah, Ade Pramesti, Suci Rahayu Pratama, Deska Putri Apriyani Putri Dina Amelia Putri, Ghaitsa Mutiara Putri, Melinia Putri, Shellya Eka Qheista Noor Fiddienillah Rabani, Kayla Fatha Rabbani, Raihan Ahmad Rahayu , Halimah Auliya Rahmadani, Nova Analia Rahmat, Nailla Alifia Ramadhani Irma Tripalupi Ramadhani, Najwa Syarifah Ramdhan, Muhammad Luthfi Ramdhani, Fakhrur Rozi Raudhatul Jannah Regina Lathifah Zahra Riantika Mutiara Ridwan Effendi Rifka Aqila Rika Afrianti Putri Ririn Nur Widyastuti Rizqy Hizbullah Ziyaulhaq Robbani, Burhanuddin Rohmah, Tria Najiatul Rosmayanti, Maya Roudhotul Hayati Nurislami Rusli, Ranti Afrilianti Saeful Anwar Sandra Siti Nurjanah Sandrina, Nahla Galuh Sani Dwina Putri Saputra, RM. Indra Jaya Saputri, Dina Ecky Sari, Nuraini Laila Satrio Bimo Ananda Sa’idah, Meilatus Setiawan, Iwan Setya, Oriza Purna Shafira Aulia Az-Zahra Shifa Nurhayati Shofie, Maulaya Silvia Septiani Siti Hawa Febriani Siti Nur Azizah, Siti Nur Siva, Kamelia Sobana, Dadang Husen Subagja, Haifa Aulia Nurshafiyyah Suhendi, Ang Riqko Sukawati, Maudi Nabila Sulthon Ahmad Nawawi Sutrisna, Muhammad SW, Andini Amalia Putri Syarah, Asri Mariam Syifa Rahmatul Awaliyah Talitha Nabilah Tamami, Ahmad Trisnawati, Cahyani Laras Tsaqif, Thoriq Ahmad Ukasha, Muhammad Gala Ulpaija, Siti Utami, Ariani Putri Utami, Sinbi Fitria Vania Alya Zanatha Wawan Muhwan Hariri Wildan Hilmawan Wulan Siti Nurjanah Yamin, Zahra Yasir Ahmad Muyassar Yasmin Sherlly Aulia Zamba, Nabila Zavier Hidayat, Muhammad Akhdan Zenny Pebrianti Zulbaidah Zulbaidah