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All Journal JKI (Jurnal Konseling Indonesia) AL-ATHFAL : JURNAL PENDIDIKAN ANAK SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam JPPI (Jurnal Pendidikan Islam Pendekatan Interdisipliner) JURNAL PENDIDIKAN TAMBUSAI BJRA (Bongaya Journal of Research in Accounting) Jurnal Sains Riset Indonesian TESOL Journal Jurnal Penelitian Ekonomi Akuntansi (JENSI) JEKPEND Jurnal Ekonomi dan Pendidikan Al-Isyraq: Jurnal Bimbingan, Penyuluhan, dan Konseling Islam Jurnal At-Taujih : Bimbingan dan Konseling Islam Journal De Facto REMITTANCE: JURNAL AKUNTANSI KEUANGAN DAN PERBANKAN Journal of Advanced Guidance and Counseling Indo-MathEdu Intellectuals Journal Muhasabatuna: Jurnal Akuntansi Syariah Golden Ratio of Finance Management Literasi Nusantara Seminar Nasional Pengabdian Kepada Masyarakat Journal of Applied Management Research BanKu: Jurnal Perbankan dan Keuangan Journal of Innovation and Research in Primary Education Journal of Artificial Intelligence and Digital Business TRIMAS: Jurnal Inovasi dan Pengabdian Kepada Masyarakat Innovative: Journal Of Social Science Research Indonesian Journal of Pedagogical and Social Studies Jurnal Ilmiah Akuntansi dan Keuangan (JIAN) Journal of Social Science and Business Studies Indonesian Journal of Islamic Counseling Jurnal Ilmiah Multidisiplin Indonesia Jurnal Aplikasi Perpajakan Jurnal Interdisipliner Sosiologi Agama Journal An-Nafs: Kajian Penelitian Psikologi Future Academia : The Journal of Multidisciplinary Research on Scientific and Advanced Al-Wazan Jurnal Cendekia Ilmiah Jurnal Ilmiah Akuntansi dan Keuangan (JIAN) Variable Research Journal
Nur Afiah, Nur
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology 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 Library & Information Science Mathematics Medicine & Pharmacology Neuroscience Physics Public Health Social Sciences Other

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Pengaruh Keamanan, Reputasi dan Pengalaman Terhadap Trust Pengguna Internet Untuk Bertransaksi Secara Online Afiah, Nur
JEKPEND: Jurnal Ekonomi dan Pendidikan Vol 1, No 2 (2018): Juli
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (304.758 KB) | DOI: 10.26858/jekpend.v1i2.7256

Abstract

The aims of the research are to analyze to what extent the influence of security, reputation and experience on the trust of internet users for online interaction. The samples of the research were e-commerce users in Indonesia by taking the customers of one of the vendors of online shops, i.e. Lazada.co.id. The main instrument to collect the data was questionnaire measured by likert scale. The respondents consisted of 100 people. All questionnaires were given directly to respondents. Only 73 questionnaires were processed since 19 of them were not returned and 8 were not completed. The data were analyzed by using multiple regression analysis. The result reveal that independent variablest consisting of security, reputation, and experience have influence on customers’ trust. Security and reputation are the only variables which have a positive and significant influence on customers’ trust, while experience variable has a positive but insignificant influence. Thus, good security and reputation are very important variables in influencing the trust of e-commerce customers in Indonesia.
Exploring Financial Behavior: A Qualitative Investigation into Psychological Factors Influencing Risk Preferences and Investment Decisions Suriyanti, S.; Mandung, Fitriani; Afiah, Nur; Irmayani, I.
Golden Ratio of Finance Management Vol. 4 No. 2 (2024): April - September
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v4i2.430

Abstract

This qualitative study investigates the psychological determinants influencing risk preferences and investment decisions. Grounded in phenomenology and interpretivism, the research aims to explore subjective experiences related to financial behavior. Employing purposive sampling, participants were selected based on diverse criteria. Data collection involved semi-structured interviews, participant observation, and document analysis. Thematic analysis revealed intricate interplays between personal experiences, cognitive biases, emotions, social influences, and financial literacy, shaping individuals' risk perceptions and decision-making processes. Findings underscore the multifaceted nature of financial behavior, highlighting the significance of personality traits, cognitive styles, and decision-making biases. Risk-averse individuals prioritized capital preservation, while sensation seekers pursued high-risk, high-reward investments. Moreover, individuals' self-efficacy influenced their investment strategies. Cognitive biases, such as overconfidence and loss aversion, further impacted investment decisions. The study emphasizes the importance of considering psychological factors in designing personalized financial interventions and educational programs. Future research directions include longitudinal studies, cross-cultural comparisons, and interdisciplinary approaches integrating insights from psychology, economics, and finance. This research contributes to the advancement of knowledge in behavioral finance and informs practical implications for financial advisors and policymakers, aiming to enhance individuals' financial well-being and decision-making competence.
PKM Pelatihan Tata Kelola Dana BOS SMA/SMK Sesuai Permendikbud No. 63/2022 di Kabupaten Bulukumba Anwar, Azwar; Afiah, Nur
Seminar Nasional Pengabdian Kepada Masyarakat SEMINAR NASIONAL 2023:PROSIDING EDISI 12
Publisher : Seminar Nasional Pengabdian Kepada Masyarakat

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Abstract

Abstrak – Penyelenggara sekolah diharapkan bukan hanya mementingkan aspek fisik atau sarana melainkan aspek manusia yang memberikan pelayanan dan pendidikan. Salah satu persolan yang kadang muncul adalah kendala kenyamanan dan kualitas pembelajaran. Oleh karena itu diluncurkanlah program dana Bantuan Operasional Sekolah (BOS) yang pada tahun lalu di ubah dengan istilah Bantuan Operasional Satuan Pendidikan (BOSP). Permendikbudristek 63 Tahun 2022 tentang Juknis BOSP bermaksud untuk melakukan pemerataan akses layanan pendidikan dan peningkatan mutu pembelajaran melalui Satuan Pendidikan.Berbeda dengan peraturan sebelumnya, dimana ada konsekuensi pemotongan anggaran apabila dalam terjadi keterlambatan dalam pelaporan. Pemerintah dalam hal ini Kemdikbud akan menerapkan sistem pemotongan dana BOS, hal ini terjadi apabila satuan pendidikan atau sekolah mengalami keterlambatan dalam melakukan pelaporan penggunaan dana BOS-nya. Selain ketepatwaktuan pelaporan, satuan pendidikan juga harus memperhatikan aspek tata kelola yang baik, yaitu akuntabilitas dan transparansi. Oleh karena itu tujuan dari pelatihan ini adalah bagaimana Satuan Pendidikan khusunya SMA/SMK di Kabupaten Bulukumba melakukan pelaporan Dana BOSP tepat waktu, akuntabel dan transparan.Beberapa hasil yang dicapai melalui kegiatan ini yaitu (1) permasalahan pengelola Dana BOSP lebih terungkap, terhimpun dan teridentifikasi, (2) kepercayaan diri meningkat dan integritas pengelola Dana BOSP menjadi meningkat, (3) pengelola Dana BOSP memahami pentingnya menjunjung tinggi nilai-nilai moral dan etika, (4) pengelola Dana BOSP memahami prosedur dan aturan yang telah ditetapkan sesuai petunjuk teknis Permedikbud No. 63 tahun 2022 sehingga pelaporan lebih tepat waktu, akuntabel dan transparan.Kata kunci: Dana BOS/BOSP, tepat waktu, akuntabel dan transparan.
ANALISIS KERANGKA HUKUM KEUANGAN ISLAM Afiah, Nur; Muin, Rahmawati; Kadir, Amiruddin
Jurnal de Facto Vol 10 No 2 (2024)
Publisher : Pascasarjana Universitas Balikpapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36277/jurnaldefacto.v10i2.186

Abstract

Penelitian ini berfokus pada perkembangan dan evolusi kerangka hukum Keuangan Syariah di Indonesia seiring berjalannya waktu. Peraturan dan standar syariah yang mengatur industri Keuangan Syariah di Indonesia, dimana akan mengeksplorasi peran penting mereka dalam menjaga kepatuhan terhadap prinsip-prinsip Islam. Serta implementasi hukum Keuangan Syariah di Indonesia dan dampaknya terhadap pertumbuhan serta kinerja lembaga keuangan syariah, termasuk bank syariah dan lembaga keuangan mikro syariah. Keuangan Islam adalah sistem keuangan yang beroperasi berdasarkan prinsip-prinsip Syariah yakni berpegang teguh kepada Alquran dan Hadits sehingga lebih di kenal keuangan syariah. Penelitian ini bertujuan untuk melakukan analisis mendalam terhadap kerangka hukum Keuangan Syariah di Indonesia dan dampaknya terhadap ekonomi, sosial, dan lingkungan, sehingga dapat menjadi salah satu alternatif penting dalam menghadapi tantangan global dalam sistem keuangan kontemporer.  Metodelogi dalam penelitian ini Melibatkan kajian dan analisis berbagai dokumen, termasuk peraturan, undang-undang, dan kebijakan terkait keuangan syariah di Indonesia. Metode ini membantu dalam menelusuri sejarah dan perkembangan hukum keuangan syariah. Hasil dari penilitian ini Kerangka hukum Keuangan Syariah di Indonesia mengalami evolusi yang signifikan seiring waktu, didukung oleh adopsi berbagai regulasi. Pembentukan Bank Syariah, Badan Pengawas Keuangan dan Pembangunan Syariah (BPKPS), serta pengesahan Undang-Undang Perbankan Syariah pada 2008 dan Undang-Undang Keuangan Syariah pada 2011 adalah langkah-langkah strategis yang bertujuan memfasilitasi pertumbuhan industri keuangan syariah dan memastikan kepatuhan terhadap prinsip-prinsip syariah.Implementasi hukum Keuangan Syariah di Indonesia memberikan dampak positif, terlihat dari pertumbuhan nasabah, diversifikasi produk dan layanan, serta peningkatan kepercayaan masyarakat.  
Studi Suasana Hati di Pagi Hari pada Mahasiswa yang Memiliki Kebiasaan Begadang dengan yang Tidak Begadang di Fakultas Ushuluddin, Adab dan Dakwah Nurlela; Sulvinajayanti; Afiah, Nur
Indonesian Journal of Islamic Counseling Vol 5 No 2 (2023): Exploring the Dynamics of Counseling, Education, and Family Life
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/ijic.v5i2.6678

Abstract

This research examines the mood of students who stay up late and do not stay up late in the morning and the influence of mood on lecture activities which results in obstacles to activities and raises problems in lectures. This mood is a condition where a person experiences changes in feelings that occur regarding the condition. what he experienced, which had an impact on staying up late. This research is a qualitative descriptive research. The data sources in this research were 10 students from the Faculty of Ushuluddin Adab and Da'wah, and the instruments used were observation, interviews and documentation. The data analysis techniques used were data reduction, data presentation and drawing conclusions. The results of this study show that the mood after staying up late and not staying up late is divided into two, namely: negative mood and positive mood, with a negative mood, the mood is not good, sad for no reason, emotional (angry), easily tired, and triggers problems while If you are in a positive mood, your mood is good, you will be more active and enthusiastic about your activities. The form of influence of mood on students who stay up late is felt by different students who are able to control themselves so that it does not trigger the emergence of negative moods so that students staying up too late triggers negative self-concepts, which affect several course grades or GPA, easily get emotional, and feel sensitive so that students who don't stay up late have a significant difference.
Pengaruh Ukuran Perusahaan dan Laba terhadap Audit Delay pada Perusahaan Manufaktur Idris, Nur Irsan; Afiah, Nur
Jurnal Ilmiah Akuntansi dan Keuangan Vol 2, No 1 (2023): Februari
Publisher : Universitas Negeri Makassar

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Abstract

 This study aims to determine company size has a significant effect on audit delay and company profit/loss has a significant effect on audit delay. The sample of this research is a manufacturing company that experienced successive audit delays and was listed on the Indonesia Stock Exchange (IDX) in 2016-2018. This research is quantitative in nature which emphasizes its analysis on numerical data (numbers). Data collection in this study was based on documentation techniques. The results of the research and data analysis conclude that company size has a positive and significant effect on audit delay as well as profit/loss has a positive and significant effect on audit delay in manufacturing companies listed on the Indonesia Stock Exchange in 2016-2018. This study aims to determine company size has a significant effect on audit delay and company profit/loss has a significant effect on audit delay. The sample of this research is a manufacturing company that experienced successive audit delays and was listed on the Indonesia Stock Exchange (IDX) in 2016-2018. This research is quantitative in nature which emphasizes its analysis on numerical data (numbers). Data collection in this study was based on documentation techniques. The results of the research and data analysis conclude that company size has a positive and significant effect on audit delay as well as profit/loss has a positive and significant effect on audit delay in manufacturing companies listed on the Indonesia Stock Exchange in 2016-2018.Keywords:  audit delay, firm size, profit, manufacturing company
Pengaruh Komitmen Organisasi, Gaya Kepemimpinan, dan Time Budget Pressure terhadap Kepuasan Kerja Auditor pada KAP di Makassar Anwar, Azwar; Afiah, Nur
Jurnal Ilmiah Akuntansi dan Keuangan Vol 1, No 2 (2022): Agustus
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (241.41 KB)

Abstract

This study aims to determine the effect of organizational commitment, leadership style and time budget pressure on auditor job satisfaction at the Public Accounting Office in Makassar.. The method of determining the sample used is convenience sampling, which is a sampling technique with consideration of convenience. Data collection techniques were carried out by distributing questionnaires. The questionnaire in this study used a Likert scale as the measurement scale of the research instrument. Data analysis technique used multiple linear regression analysis and hypothesis test consisting of partial test (t test) and simultaneous test (f test). The analysis used in this study is quantitative analysis. The findings in this study indicate that the independent variable of organizational commitment (X1), leadership style (X2) and time budget pressure (X3) have a positive and significant effect on the dependent variable of auditor job satisfaction (Y), both testing partially (t-test) and testing simultaneously (F test).Keywords: organizational commitment, leadership style, time budget pressure and auditor job satisfaction
Analisis Pemanfaatan Aplikasi E-Commerce Dalam Meningkatkan Penjualan Pada UMKM Sektor Kuliner di Kota Makassar Ika Putri, Hindong; Rijal, Abdul; Afiah, Nur
Future Academia : The Journal of Multidisciplinary Research on Scientific and Advanced Vol. 2 No. 3 (2024): Future Academia : The Journal of Multidisciplinary Research on Scientific and A
Publisher : Yayasan Sagita Akademia Maju

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61579/future.v2i3.106

Abstract

This research aims to analyze the use of e-commerce applications in increasing sales in MSMEs in the Culinary Sector in Makassar City. The variables of this research are utilization of e-commerce applications as the independent variable (X) and sales as the dependent variable (Y) which is measured by sales growth. The population of this research is sales reports for MSMEs in the Culinary Sector in Makassar City, while the sample is sales reports for 2019-2023 for MSMEs in the Culinary Sector in Makassar City which were taken using the purpose sampling technique. Data collection was carried out using documentation and interviews. Data analysis was carried out using descriptive quantitatif methods. The results of this research show that e-commerce applications can increase sales in the Culinary Sector MSMEs in Makassar City if they are utilized optimally by providing promotions for consumers.
Analisis Rasio Profitabilitas Sebagai Alat Untuk Menilai Kinerja Keuangan Pada UMKM Lantabur Indonesia Huriyah, Andi Husnul; Afiah, Nur; Ryketeng, Masdar
Future Academia : The Journal of Multidisciplinary Research on Scientific and Advanced Vol. 2 No. 4 (2024): Future Academia : The Journal of Multidisciplinary Research on Scientific and A
Publisher : Yayasan Sagita Akademia Maju

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61579/future.v2i4.145

Abstract

Penelitian ini bertujuan untuk menganalisis kinerja keuangan UMKM Lantabur Indonesia dengan menggunakan analisis profitabilitas. Populasi pada penelitian ini adalah laporan keuangan yang terdiri dari laporan laba/rugi, sedangkan sampel penelitian ini adalah laporan laba/rugi tahun 2021-2023. Teknik pengumpulan data pada penelitian ini adalah teknik dokumentasi. Teknik analisis data menggunakan rasio profitabilitas, yaitu Gross Profit Margin, Return on Asset, Return on Equity, dan Net Profit Margin. Hasil penelitian ini menunjukkan kinerja keuangan pada UMKM Lantabur Indonesia berdasarkan Gross Profit Margin pada tahun 2021-2023 belum dikatakan efisien karena cenderung mengalami penurunan. Untuk kinerja keuangan berdasarkan Return on Asset pada tahun 2021-2023 sudah dapat dikatakan efisien karena terus mengalami peningkatan. Selanjutnya, kinerja keuangan berdasarkan Return on Equity pada tahun 2021-2023 juga sudah dapat dikatakan efisien karena modal sendiri terus mengalami peningkatan. Dan untuk kinerja keuangan berdasarkan Net Profit Margin pada tahun 2021-2023 sudah dapat dikatakan efisien karena laba bersih yang dihasilkan dari penjualan terus meningkat
Analisis Kinerja Keuangan Pada Badan Keuangan Dan Asset Daerah (BKAD) Kabupaten Enrekang Fitriyani, Nurleli; Dunakhir, Samirah; Afiah, Nur
Future Academia : The Journal of Multidisciplinary Research on Scientific and Advanced Vol. 2 No. 4 (2024): Future Academia : The Journal of Multidisciplinary Research on Scientific and A
Publisher : Yayasan Sagita Akademia Maju

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61579/future.v2i4.151

Abstract

Penelitian ini bertujuan menganalisis kinerja keuangan pada badan keuangan dan asset daerah Kabupaten Enrekang. Populasi penelitian ini adalah berupa laporan keuangan pada Badan Keuangan dan Asset Daerah Kabupaten Enrekang, sedangkan sampel adalah laporan realisasi anggaran pendapatan dan belanja daerah pada Badan Keuangan dan Asset Daerah Kabupaten Enrekang tahun anggaran 2020-2022. Pengumpulan data dilakukan dengan menggunakan teknik dokumentasi dan wawancara. Analisis data dilakukan dengan analisis deskriptif kuantitatif. Hasil penelitian ini menunjukkan bahwa tingkat efektivitas anggaran belanja daerah BKAD Kabupaten Enrekang tahun anggaran 2020-2022 termasuk kategori efektif yang mengindikasikan bahwa pemerintah sudah cukup baik dalam merealisasikan belanja daerahnya walaupun ada kenaikan dan penurunan tingkat anggaran, tingkat efisiensi anggaran belanja termasuk dalam kategori kurang efisien yang mengindikasikan bahwa pemerintah daerah belum mampu meminimalisir terjadinya pemborosan dan tidak memaksimalkan pengelolaan dalam penggunaan sumber daya, tingkat pertumbuhan keuangan daerah termasuk dalam kategori positif yang mengindikasikan bahwa pemerintah sudah cukup baik dalam merealisasikan pendapatan daerah, tingkat kemandirian keuangan daerah termasuk dalam kategori pola hubungan yang instruktif yang mengindikasikan bahwa pemerintah belum mampu melaksakan otonomi daerah secara finansial, tingkat ketergantungan keuangan daerah termasuk dalam kategori tinggi yang mengindikasikan bahwa pemerintah daerah belum bisa mengoptimalkan potensi sumber pendapatan yang ada.
Co-Authors Abdul Haris Abdul Haris Sunubi Adil, Andi Syaripa Nur Aldyta Afifah, Evi Aguatiawan, Rahmat Ahmad Ahmad Amiruddin K Ana Fitriana Anggraeni, Indah Ayu Anisatun Humayrah Rais Annisa, Dian Anwar, Aswar Anwar, Azwar Anwar, Rezki Amaliah Ariya, Muhammad Arqam, Arqam Asrawati, Dini Asri, Rahmatul Azis, Fajriani Azisah, Nur Bahrun, Sultan Adam Chalid, Lukman Christin Christin Dalimunthe, Muhammad Rizqan Ahsanu Damayanti, Alvira Darwis, Marina Dayu, Dian Permatasari Kusuma Dunakhir, Samirah Fachry Abda El Rahman Fakhruddin, Zulfah Febrianti, Andi Muzdalifah Fitriani Mandung Fitriyani, Nurleli Gunawan, Arbella Rizkia Hamzah Hamzah Hamzah, Hajrah Handayani, A. Asti Haq, Nursyam Arifa Hariany Idris Haryani, Virta Hermawati Hermawati, Hermawati Hiro, Handy Anggara Humayrah, Anisatun Huriyah, Andi Husnul Idris, Nur Irsan Ika Putri, Hindong Indradewa, Rhian Irham Irham Irmayani, I. Irwanti, A. Azzahra Asri Istiq'faroh, Nurul Jafar N, Muhammad Kamil Juniwati Juniwati M. Ridwan Tikollah Maharani, Siti Aisyah Putri Mahmud, Basri Manase, Leonardo Mariska, Revi Mas’ud, Masdar Mauliza, Rully Muhammad Arif Muhammad Azis Muhammad Haramain Mujahid Mujahid, Mujahid Mukhammad Idrus Murtadho, Fawwaz Musa, Kartika Septiary Pratiwi Mustary, Emilia Muthaharah, Fitria Nana Suryana Nasriani Nasriani Nurafni Oktaviyah Nuraisyiah Nuriman Nurlela Penampe, Marie Anne Ester Pirsya, Pirsya Prasisca, Tiara Pratiwi, Nathania Purnomo, Bintoro Bagus Puspitasari, Feni putri, amanda Raden Mohamad Herdian Bhakti Rahmawati Muin Reskiyawati, Siti Nur Rijal, Abdul Rukiah Rukiah Rustam, Utari Ryketeng, Masdar S, Masnawaty Safiruddin Al Baqi Sahade Sahade Saidah Saidah Salsabila, Adinda Aura Sam, Andi Aliyyah Ramadhani Samaun, Siti Salina Samsinar Samsinar Samsinar Saputra, Fadhli Arief Sarmila SF, Nadya Fadhilah. Suarning, Suarning Sugiati Sugiati Suliyanti Sulvinajayanti Suriyanti, S. Syska Purnama Sari, Syska Purnama Tenribali, Andi Anugrah Caezar Tjalla, Maghdalena Warka Syachbrani Zainal Said Zulaita