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All Journal International Journal of Local Economic Governance Journal of Economic, Bussines and Accounting (COSTING) Jurnal Kompetitif : Media Informasi Ekonomi Pembangunan, Manajemen dan Akuntansi JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Management Studies and Entrepreneurship Journal (MSEJ) TRANSFORMASI : JURNAL PENGABDIAN PADA MASYARAKAT Experimental Student Experiences MULTIPLE: Journal of Global and Multidisciplinary JAMIN Jurnal Pengabdian Nasional (JPN) Indonesia Jurnal Kompetitif : Media Informasi Ekonomi Pembangunan, Manajemen dan Akuntansi
Laili Hurriati
Universitas Islam Al-Azhar
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Agency Problem and Its Enforcement In Funding Mudharabah: Study of Baitul Maal wa Tamwil Usaha Gabungan Terpadu Sidogiri, Malang Branch Multifiah, Multifiah; Manzilati, Asfi; Hurriati, Laili
International Journal of Social and Local Economic Governance Vol. 1 No. 1 (2015)
Publisher : Institute of Research and Community Service, University of Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.ijleg.2015.001.01.7

Abstract

This research aims to: (1) Find out the mechanism of funding mudharabah on BMT UGT Sidogiri, Malang branch. (2) Analyze the emergence of agency and its enforcement in funding mudharabah on BMT UGT Sidogiri Malang branch. Qualitative approach was used in this research method using a case study. Research findings show that: (1) There is no appropriateness of mechanism application of shared profit in terms of its requirement and its payment related to its decision of shared profit as it does not conform to DSN-MUI’s fatwa and concept as well as sharia economist’s opinion. (2) The presence of agency issue which is adverse selection encountered by BMT UGT as it is related to customer’s character which is unpredictable as well as the presence of moral hazard in the form of unconformity of financial use available in contract. This results from BMT’s incapability of doing intensive watch. (3) The enforcement already performed was by monitoring via direct interaction and giving intensives in the form of limitation decided by BMT UGT such as a long term restriction and the amount of funding.Keywords: theory of agency, enforcement, mudharabah, BMT
Peningkatan Ekonomi Desa melalui Pariwisata: Memahami Regulasi dan Manfaatnya Hurriati, Laili; Fitriatun Nisa, Puza; Yuni Putri, Iin; Rifais, Muh; Fatiha, Fatun
Jurnal Pengabdian Nasional (JPN) Indonesia Vol. 5 No. 3 (2024): September
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM) STMIK Indonesia Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jpni.v5i3.1068

Abstract

Aik Bukaq Village possesses significant tourism potential, but it has not been fully leveraged to stimulate the local economy. This community service program aims to enhance the understanding of the Aik Bukaq Village community regarding tourism regulations and the benefits that can be derived from developing this sector. A thorough understanding of regulations, such as licensing, environmental conservation, and natural resource management, is crucial for ensuring that tourism development proceeds sustainably and generates positive economic impacts. The program also involves training and mentoring the community to optimize existing tourism potential, including local product development, marketing strategies, and tourism management. The expected outcome includes increased community knowledge of tourism regulations and improved economic income through better-managed tourism. Consequently, this program is anticipated to contribute to strengthening the economy of Aik Bukaq Village and improving the overall well-being of the community
Menggali Tingkat Literasi Keuangan Pada Mahasiswa Fakultas Ekonomi Universitas Islam Al - Azhar Milania, Baiq Rizka; Hurriati, laili; Andiana, Baiq Dewi Lita
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 5 No. 1 (2024): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v5i1.4451

Abstract

Penelitian ini bertujuan untuk meneliti bagaimana tingkat literasi keuangan pada mahasiswa Fakultas Ekonomi Universitas Islam Al – Azhar dan faktor – factor yang mempengaruhinya. Penelitian ini menggunakan kuesioner sebagai salah satu Teknik pengumpulan data yang disebarkan ke 115 responden. Metode analisis data adalah statistik deskriptif dan uji ANOVA. Hasil pengujian menunjukkan bahwa (1) Tingkat Literasi keuangan pada mahasiswa FE Unizar yaitu sebesar 55.7 % artinya bahwa Tingkat Literasi Keuangan masih tergolong rendah (2) Jenis kelamin dan usia mahasiswa tidak berpengaruh terhadap literasi keuangannya sedangkan IPK mahasiswa berpengaruh signifikan terhadap literasi keuangan . Hasil tersebut menunjukkan bahwa mahasiswa harus meningkatkan pemahaman mereka tentang personal finance dan universitas dapat memberi pendidikan tentang personal finance kepada mahasiswa. Saran untuk penelitian selanjutnya adalah meneliti ke seluruh civitas akademika di Universitas Islam Al Azhar (dosen, mahasiswa dan tenaga kependidikan ), serta dapat menambah jumlah pertanyaan dan menambah variabel - variabel lainnya .
Menggali Literasi Pembiayaan Dalam Peningkatan Kapasitas Kelembagaan UMKM (Studi UMKM Binaan Inkubator Bisnis Unizar (Ite Unizar) Laili Hurriati; Rosita Rosita
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 2 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i2.7211

Abstract

Penelitian ini bertujauan untuk meneliti tingkat literasi pembiayaan dalam peningkatan kapasitas kelembagaan UMKM pada UMKM binaan Inkubator Teknologi Unizar (ITe Unizar). Metode yang digunakan dalam penelitian ini adalah metode kualitatif, karena penelitian ini bertujuan untuk menggali literasi pembiayaan dalam peningkatan kapasitas kelembagaan umkm pada umkm binaan inkubator bisnis). Maka dalam penelitian ini membutuhkan pengkajian secara rinci dan mendalam. Pengambilan data menggunakan wawancara mendalam, observasi dan dokumentasi. Metode analisisnya pun menggunanakan teknik analisis kualitatif. Hasi penelitian menunjukkan Literasi pembiayaan untuk UMKM dapat dilakukan melalui literasi keuangan. Hal ini membantu UMKM binaan ITe Unizar dalam meningkatkan kapasitas dalam mengelola usaha dan mengakses pembiayaan, akan tetapi sebagai UMKM yang baru bertumbuh dan berkembang berbagai kertabatasan yang dialami diantaranya Keterbatasan literasi keuangan merupakan salah satu tantangan yang dihadapi oleh UMKM binaan ITe Unizar dalam mengakses layanan keuangan. ITe Unizar telah berupaya dalam mendorong perkembangan UMKM melalui program pengenalan pembiayaan yang terdapat di lembaga keungan baik pemerintah maupun swata dengan adanya program pengenalan pembiayaan UMKM. Selain itu ITe Unizar juga telah melakukan edukasi terkait literasi keuangan sehingga UMKM binaan ITe Unizar memahami dan mampu dalam mengelola keuangan yang dapat membantu dalam mengambil keputusan bisnis. Peningkatan kapasitas kelembagaan UMKM merupakan langkah strategis menuju pemberdayaan ekonomi masyarakat. UMKM yang tangguh dan mampu mengelola keuangan dengan baik dapat menjadi pilar utama dalam pembangunan ekonomi lokal
ANALISIS TINGKAT KETIMPANGAN PENDAPATAN REGIONAL DI PULAU LOMBOK TAHUN 2019-2020 Muhammad Maliki; Laili Hurriati
Jurnal Kompetitif : Media Informasi Ekonomi Pembangunan, Manajemen dan Akuntansi Vol. 8 No. 2 (2022): Ekonomi Pembangunan, Akuntansi dan Manajemen
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Al-Azhar Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47885/kompetitif.v8i2.4

Abstract

This study aims to determine how big the level of regional income inequality between districts/cities on Lombok Island in 2019–2020. This type of research is quantitative using a descriptive approach. The data used in this study is secondary data sourced from data published by the Central Statistics Agency in the form of (1) per capita income data for each district/city on the island of Lombok (2) population data for each Regency/city on the island of Lombok. Analysis of the data used is using the Williamson index analysis. From the results of data analysis using the Williamson index, it shows that the level of regional income inequality in 2019 was 0.56, while in 2020 it was 0.58.
PERAN DINAS PERINDUSTRIAN KOPERASI DAN UKM KOTA MATARAM DALAM PEMBERDAYAAN PELAKU USAHA MIKRO KECIL MENENGAH Andri Herijanto Effendi; Laili Hurriati; Ahmad Suhendri
Jurnal Kompetitif : Media Informasi Ekonomi Pembangunan, Manajemen dan Akuntansi Vol. 9 No. 1 (2023): Ekonomi Pembangunan, Akuntansi dan Manajemen
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Al-Azhar Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47885/kompetitif.v9i1.12

Abstract

This study aims to determine the Empowerment of Small and Medium Enterprises (UKM) at the Office of Industry, Cooperatives and UMKM in Matarm City. The research method used is a qualitative type. Data collection techniques are interviews, observation and documentation. While the data analysis uses the inductive method. The results of this study indicate that empowerment (UKM) at the Office of Industry, Cooperatives and SMEs in Matarm City has not run optimally. Empowerment is carried out in 3 phases, namely: (1) the initial phase of the Mataram City Industry, Cooperative and MSME Office plays a full role in empowering UKM actors. (2) the participatory phase, the community and the government have collaborated in developing SMEs. (3) the emancipatory phase of the Mataram City Office of Industry, Cooperatives and SMEs, only plays a role as a supporter of every activity carried out by SMEs. However, the government is still constrained by the provision of facilities and infrastructure in the development of SMEs. Therefore, the empowerment of SMEs in the city of Mataram should provide adequate facilities and infrastructure, so that the implementation of training or counseling can run optimally and produce output that is in line with expectations.
PERAN BURUH TANI PEREMPUAN TERHADAP EKONOMI KELUARGA DI DESA MEREMBU KECAMATAN LABUAPI KABUPATEN LOMBOK BARAT Rizka Aulia; Laili Hurriati; Baiq Rizka Milania Ulpah; Ahmad Suhendri
Jurnal Kompetitif : Media Informasi Ekonomi Pembangunan, Manajemen dan Akuntansi Vol. 10 No. 1 (2024): Ekonomi Pembangunan, Akuntansi dan Manajemen
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Al-Azhar Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47885/kompetitif.v10i1.20

Abstract

This study entitled “The Role Of Women Farm Laborers In The Family Economy In Merembu Village, Labuapi District, West Lombok Regency’’. The purpose of this study was to determine the role of women farm laborers in the family economy in Merembu Village, Labuapi District, West Lombok Regency. The research method used is descriptive qualitative. This research data was obtained from interviews with female farm laborers in Merembu village. The data collection methods used in this research are observation, interview, and documentation. The results of this study indicate that the role of women farm laborers on the family economy in Merembu village is very large, especially in terms of meeting daily needs such as food, children’s education costs, and other household needs. In addition, they can make a big contribution to the family income, although the income is not too large, it has a very positive impact on the family economy. The contribution of women farm laborers’ income to total family income also varies from 40% to 100%. Women farm laborers who contribute up to 100% to the fulfillment of family needs are those who no longer have a husband or whose husband has died.
ANALISIS PERANAN BADAN USAHA MILIK DESA ( BUMDES ) DALAM MENUNJANG PEREKONOMIAN MASYARAKAT DESA MELALUI PENGELOLAAN SAMPAH (Studi BUMdes Prai Meke Kecamatan Praya Tengah Kabupaten Lombok Tengah ) Dewi Marlina; Sahar, Sahar; Laili Hurriati; Muhammad Sayuti; Sasmita, Vika; Putra Ramadhan, Radhitya
Jurnal Kompetitif : Media Informasi Ekonomi Pembangunan, Manajemen dan Akuntansi Vol. 10 No. 2 (2024): Ekonomi Pembangunan, Akuntansi dan Manajemen
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Al-Azhar Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47885/kompetitif.v10i2.26

Abstract

This research is entitled "ANALYSIS OF THE ROLE OF VILLAGE-OWNED BUSINESSES IN SUPPORTING THE ECONOMY OF VILLAGE COMMUNITIES THROUGH WASTE MANAGEMENT" The problem raised in this study is How the Role of Village-Owned Enterprises (BUMdes) in an effort to support the economy of village communities through Waste Management. This research explores the role of Village-Owned Enterprises (BUMDes) in improving the community's economy through waste management in Prai Meke Village, Central Lombok. The program aims to manage local resources and improve social welfare. With the increasing amount of waste, waste management becomes essential to achieve sustainable development, related to health issues, climate change, and poverty reduction. This research uses descriptive qualitative method, the results show that BUMDes contributes positively by creating jobs and supporting the 'Waste Free Village' program initiated to utilize recyclable waste. This research successfully creates jobs, increases community creativity, reduces dependency, and improves environmental health. Thus, BUMDes serves as a local economic driver and facilitator of community empowerment, strengthening self-reliance and social welfare in the village.
URGENSI DIGITAL MARKETING PADA UMKM MENURUT PERSPEKTIF EKONOMI ISLAM (STUDI KASUS UMKM KELURAHAN BABAKAN) Sahar, Sahar; Laili Hurriati; Muhammad Habibullah Aminy; Lale Ajeng Khalifatun Wardani; Karunia Ema Putri
Jurnal Kompetitif : Media Informasi Ekonomi Pembangunan, Manajemen dan Akuntansi Vol. 10 No. 2 (2024): Ekonomi Pembangunan, Akuntansi dan Manajemen
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Al-Azhar Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47885/kompetitif.v10i2.28

Abstract

This study aims to describe the digital marketing strategy used by UMKM actors in Babakan Village in maintaining and increasing their business profits in accordance with the perspective of Islamic Economics. This study uses a qualitative descriptive approach. Data collection methods are Observation, unstructured interviews, Documentation and Case Studies. Data analysis techniques used in this study are data reduction (Data Reduction), data presentation (Data Display), Verification. The results of this study indicate that the digital marketing strategy carried out by UMKM actors in Babakan Village is in the form of marketing through social media. The impact of digital marketing in increasing income is very significant, in addition to other positive impacts, namely the creation of wider marketing channels and increasing popularity, reducing advertising costs. Digital marketing is very helpful for UMKM in running their business. With digital marketing, UMKM can promote their business more easily and quickly reach consumers more widely.
Co-Authors Ahmad Suhendri Ahmad Suhendri Andiana, Baiq Dewi Lita Andri Herijanto Effendi Andrianus Andi Asfi Manzilati Baiq Rizka Milania Ulpah Dewi Marlina Fathurrahman Fathurrahman Fatiha, Fatun Fitriatun Nisa, Puza Halpiah, Halpiah Karunia Ema Putri Lale Ajeng Khalifatun Wardani Milania, Baiq Rizka Mimi Cahayani Muhammad Habibullah Aminy MUHAMMAD MALIKI Muhammad Sayuti Multifiah . Putra Ramadhan, Radhitya Putra, Hery Astika Rifais, Muh RIZKA AULIA Rosita Rosita Rosita Sahar Sahar, Sahar Sasmita, Vika Sayuti Sayuti Sayuti, Muhamad Sri Karyati Triana Lidona Aprilani Ulfah, Baiq Rizka Milania Yuni Putri, Iin