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All Journal Tazkia Islamic Finance and Business Review Jurnal EMT KITA Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan eCo-Buss JURMA : Jurnal Program Mahasiswa Kreatif Jurnal Aktiva : Riset Akutansi dan Keuangan Al-Sharf: Jurnal Ekonomi Islam Journal of Sharia Economics Proceeding International Seminar of Islamic Studies Center of Knowledge eCo-Fin el-Amwal International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA) International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Jurnal Manajemen Keuangan Syariah Promotor: Jurnal Mahasiswa Kesehatan Masyarakat Jurnal Nirta: Studi Inovasi Altafani Jurnal Akuntansi dan Keuangan Islam (JAKIs) Journal of Ekonomics, Finance, and Management Studies
Muhammad Hafizh
Universitas Malikussaleh
Religion Arts Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Nursing Physics Public Health Social Sciences Other

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Pengaruh Pengguaan Qris, Literasi Keuangan Dan Inklusi Keuangan Terhadap Transaksi Dengan Gaya Hidup Sebagai Variabel Moderating Di Lhokseumawe Batu, Sridevi Lumban; Hafizh, Muhammad; Nur, Muklish Muhammad
Jurnal Nirta : Inovasi Multidisiplin Vol 4 No 1 (2024): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Abstract. Research This aim For give proof influence use of QRIS, Literacy Finance and Inclusion finance to transaction with style life as moderating variables in Lhokseumawe . Population in research This there it is community and students who use QRIS. Retrieval technique samples used in research​ This is use method Slovin's formula so get a sample of 100 QRIS users . Study This is study quantitative with using secondary data and primary data collected with study techniques documentation and deploy questionnaire or questionnaire that uses analysis statistics descriptive and analytical regression moderation or Moderation Regression Analysis (MRA). The results show that variable use of QRIS against transaction influential significant to transaction , variable Literacy finance No influential significant to transaction , variable Inclusion finance influential significant to transaction , variable style life No influential significant to transactions , use of QRIS, Literacy Finance and Inclusion finances moderated by style​ life No influential significant to transaction. Abstrak. Penelitian ini bertujuan untuk memberi bukti Pengaruh pengguaan QRIS, Literasi keuangan dan Inklusi keuangan terhadap transaksi dengan gaya hidup sebagai variabel moderating di lhokseumawe. Populasi dalam penelitiaan ini adaalah masyarakat dan mahasiswa yang menggunakan QRIS. Teknik pengambilan sampel yang digunakan pada penelitian ini adalah menggunakan metode Rumus Slovin sehingga mendapatkan sample 100 penguna QRIS. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan data sekunder dan data primer yang di kumpulkan dengan Teknik studi dokumentasi dan menyebarkan angket atau kuesioner yang menggunakan analisis statistik deskriptif dan analisis regresi moderasi atau Moderation Regression Analysis (MRA). Hasil menunjukkan bahwa variabel penggunaan QRIS terhadap transaksi berpengaruh signifikan terhadap transaksi, variabel Literasi keuangan tidak berpengaruh signifikan terhadap transaksi, variabel Inklusi keuangan berpengaruh singnifikan terhadap transaksi, variabel gaya hidup tidak berpengaruh signifikan terhadap transaksi, penggunaan QRIS, Literasi keuangan dan Inklusi keuangan yang di moderasi oleh gaya hidup tidak berpengaruh singnifikan terhadap transaksi.
THE EFFECT OF ECONOMIC GROWTH AND INFLATION ON FOREIGN DIRECT INVESTMENT (FDI) IN ASEAN COUNTRIES Muttaqien; Wardhiah; Muhammad Hafizh; Frengki Putra Ramansyah; Cut Zira Maulida
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 3 No. 2 (2024): October
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/jaruda.v3i2.200

Abstract

This study aims to determine and see the effect of economic growth and inflation on foreign direct investment (FDI), besides that this study is also to analyze economic growth and inflation on FDI in ASEAN countries. The population in this study were 11 ASEAN countries but after researchers determined the criteria, researchers only took 7 samples in this study. This study uses panel data regression data analysis. The results showed that the economic growth variable had a positive and significant effect while inflation had no effect on FDI. While simultaneously economic growth and inflation affect foreign direct investment (FDI).
The Influence of Premiums, Claims, Investment Results and Underwriting on Profits in Sharia Insurance Companies Banurea, Lusi Yashinta; Hafizh, Muhammad
Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan Vol. 19 No. 1 (2024): APRIL
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/neraca.v19i1.16659

Abstract

This research aims to determine the effect of premiums, claims, investment returns and underwriting on profits in sharia life insurance companies. In this research, a panel data regression analysis approach is used. The sampling method in this research uses a purposive sampling method. This research uses quantitative methods in the form of secondary data contained in the annual financial reports of each company. This research uses the Eviews 10 tool. The sample for this research is 8 sharia life insurance companies registered with the financial services authority (OJK) for the 2018-2022 period. The results of this study show that partially premiums, claims, investment returns and underwriting have no effect on profits at Sharia life insurance companies and simultaneously premiums, claims, investment returns and underwriting have an effect on profits at Sharia life insurance companies.
THE EFFECT OF THIRD-PARTY FUNDS, FINANCING, AND EQUITY ON NET INCOME BANK MUAMALAT INDONESIA Nurhayati, Nurhayati; Puteh, Anwar; M Nur, Mukhlish; Hafizh, Muhammad
Journal of Sharia Economics Vol. 5 No. 2 (2024): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v5i2.5640

Abstract

Third party funds, financing, and equity are important factors in some of the factors that influence net income, which take money from the public and then rechannel it into society. This research is aimed at knowing the impact Third-party fund, Financing, and Equity to Net income with research subject Bank Muamalat Indonesian period 2014-2023. This study employs multiple linier regression analysis and quantitative approaches. The study object is presented as published financial reports from Bank Muamalat Indonesia (2014-2023). And analyzed with the Eviews 12 statistical tool. The outcome of the study demonstrate Third-Party Funds a positive and significant effect on Net Income because the t-count value for Third-Party Funds > t-table is 2,9206 > 2,0280 and the significant value for Third-Party Funds < 0,05 is 0,0060 < 0,05. The result of Financing has a positive and insignificant impact on Net Income this is shown by the t-count value for Financing < t-table is 0,6558 < 2,0280 and the significant value for Financing > 0,05 is 0,5161 > 0,05. The results of Equity a negative and insignificant impact on Net Income because the t-count value of Equity < t-table is -0,1850 < 2,0280 and significant value for Equity > 0,05 is 0,8542 > 0,05. Simultaneously Third-party Funds, Financing, and Equity the effect Net Income, this is proven by the value significant F test 0,0007 < 0,05. The value of coefficient of determination (R2) is 0,3198 or 31,98%, which means that the Third-Party Funds, Financing, and Equity variables the effect net Income by 31.98%, while other factors not included in this study account for 68,02% of the explanation.
Analysis of Determination Toward Return On Assets of Islamic Commercial Banks Wulandari, Laura; Hafizh, Muhammad; M.Nur, Mukhlish
eCo-Fin Vol. 7 No. 2 (2025): eCo-Fin
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/ef.v7i2.2374

Abstract

This study investigates the influence of Fee-Based Income (FBI), Green Finance (GF), Third Party Funds (TPF), and Corporate Governance (GCG) on the Return on Assets (ROA) of Islamic Commercial Banks (ICB) in Indonesia during the 2019–2023 period. Recognizing the importance of assessing a bank's financial health to guide strategic improvements, the study adopts a quantitative method with a descriptive approach. Data were obtained through purposive sampling from a population of 13 Islamic Commercial Bank (ICB), resulting in a sample of 10 ICB, with a total of 50 observations (10 banks × 5 years). The data analysis was conducted using panel data regression with the Common Effect Model in EViews 12. The findings reveal that, simultaneously, FBI, GF, TPF, and GCG have a significant positive effect on ROA. However, partially, only TPF and GCG show a significant impact (p < 0.001), while FBI and GF do not significantly influence ROA. The model's explanatory power is indicated by an R² value of 0.438, suggesting that 43.8% of the variation in ROA can be explained by the four independent variables. These results emphasize the strategic importance for Islamic banks to focus on enhancing third-party funds and corporate governance to improve financial performance. if you'd like this adapted into an abstract, research summary, or journal-style format. ears, the model uses the Common Effect Model with an R² of 0.484.
Analysis of Factors Affecting the Net Asset Value of Sharia Equity Mutual Funds Purnamasari, Nurdiansyah Putri; Muhammad Hafizh
eCo-Buss Vol. 8 No. 1 (2025): eCo-Buss
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/eb.v8i1.2574

Abstract

One type of collective investment vehicle that manages public monies for investment is a sharia stock mutual fund stocks that are in accordance with sharia law and avoid transactions that contain elements of usury, maisir, and gharar. This study aims to investigate how the money supply, inflation, gold prices, and age of mutual funds impact the performance of Indonesian mutual funds' net worths that invest in sharia stocks between 2019 and 2024. This study made use of secondary data study. The sample used in this study was 6 sharia stock mutual fund companies, using purposive sampling techniques and there was a population of 55 sharia stock mutual funds. Using Eviews 12 sv software, utilizing the panel data regression approach, was used to secondary data. The findings of the study indicate that the quantity of currency in use, the cost of gold, and the age of mutual funds all have a major influence on the value of net assets (NAV) of Indonesian Sharia Equity Mutual Funds, however inflation has no discernible effect on this number.
TRAINING ON THE PREPARATION OF BUSINESS MODEL CANVAS FOR HIGH SCHOOL STUDENTS AT THE EQUIVALENT TO IMPROVE INNOVATION AND ENTREPRENEURIAL SKILLS IN THE DIGITAL ERA IN THE CITY OF LHOKSEUMAWE Muhammad Hafizh; Mutia Rahmah; Noviami Trisniarti; Nabila novianita; Safuani Marsya
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 4 No. 3 (2024): November 2024 - February 2025
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v4i3.2072

Abstract

This community service program aims to provide training on the preparation of Business Model Canvas (BMC) to high school students in Lhokseumawe City. This training is important because before it is held, students do not understand the main components of BMC, including the appropriate target market. The main problem faced by students is the inability to identify the type of business and target market, so they have difficulty determining the right product or service. This training can improve students' understanding of various components of business, create a clear vision, and help them explore opportunities and challenges that exist in society. BMC training also encourages innovation and creative thinking, and helps to improve business performance on a regular basis. The implementation method used is through direct training with a focus on practical and applicative understanding of BMC. The results of this training are in the form of improving students' entrepreneurial skills, the ability to design product marketing strategies, adapting to market changes, and increasing business competitiveness. The resulting impact is that students are better prepared to face the business world in the future, and are able to develop a sustainable business by understanding and applying the Business Model Canvas design. The outcomes of this program include students' practical and strategic understanding of the preparation of innovative Canvas business models.
PREPARATION OF FINANCIAL BOOKKEEPING TO IMPROVE THE FINANCIAL PERFORMANCE OF HOUSEWIVES' UKM GAMPONG SIMPANG EMPAT LHOKSEUMAWE Muttaqien; Wardhiah; Muhammad Hafizh; Frengki Putra Ramansyah; Cut Zira Maulida
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 4 No. 2 (2024): July-October 2024
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v4i2.2159

Abstract

Gampong Simpang Empat, located in Banda Sakti Sub-district, Lhokseumawe City, Aceh Province, has people with various livelihoods such as fishermen, farmers, laborers, civil servants, and business actors in the service sector. With the growth in population from 171,163 in 2010 to 190,624 in 2017, the need for financial management for MSME players, including housewives, is increasingly urgent. Bookkeeping is an important process in recording income, cash flow, liabilities, and assets to analyze financial performance, which serves as an evaluation tool for business efficiency and effectiveness in achieving sustainable growth. This service aims to improve the skills of housewives and MSME players in preparing simple financial bookkeeping through economic literacy-based training. The training involves a group learning method with a focus on hands-on practice, from preparation to preparation of financial statements. This type of research uses a quantitative descriptive method with the research population being mothers in Gampong Simpang Empat. Primary data was obtained through a Likert scale-based questionnaire, with random sampling. Data analysis was carried out using regression with the help of SPSS software. The results of this service are expected to have a positive impact on the financial management of MSME actors, especially in recording transactions in a structured manner and separating personal finances from businesses. The outputs of this activity include international journal publications, indexed proceedings, and ISBN-certified reference books. In addition, this research also aims to identify socio-economic factors that affect the income of traditional fishermen in the surrounding area, as a basis for developing more holistic and sustainable solutions. These outputs are designed to achieve technology readiness level (TKT) 3, which is the proof of concept of the research in developing local economic empowerment strategies.
Pengaruh Pendampingan, Pembiayaan, dan Manajemen Keuangan terhadap Kualitas Hidup Keluarga Prasejahtera Produktif Eka Dwi Pertiwi; Muhammad Hafiz
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i9.8142

Abstract

This study aims to analyze the influence of mentoring, financing, and financial management programs carried out by Islamic financial institutions, especially BTPN Syariah, on the quality of life of productive underprivileged families in Pematang Siantar City. This study uses a quantitative approach with an associative method. The data analysis technique used is multiple linear regression, with a sample of 92 respondents who are active customers of BTPN Syariah. Data collection was carried out through a questionnaire that had been tested for validity and reliability. The results of the study indicate that partially, financing and financial management have a significant effect on quality of life, while mentoring does not show a statistically significant effect, although the relationship is positive. However, simultaneously, the third variable has a significant effect on the quality of life of productive underprivileged families, with a contribution of 64.1% (Adjusted R² = 0.641). This study offers theoretical and practical contributions by integrating three elements of Islamic economic empowerment in one comprehensive conceptual framework. These findings reinforce the importance of a holistic sharia-based approach in efforts to improve the economic welfare of marginalized communities. The implications of this study encourage Islamic financial institutions to not only focus on the financing aspect, but also strengthen educational and social functions through mentoring and increasing financial literacy.
Pengaruh ICG, Profitability, dan CSR Terhadap Islamic Sustainability Report Discloure pada Jakarta Islamic Index Salsabila, Aina; Hafizh, Muhammad
Manajemen Keuangan Syariah Vol. 5 No. 2 (2025): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/3b84ay10

Abstract

The aim of this research is to examine how the Islamic Sustainability Report (ISR) of Jakarta Islamic Index Companies for the 2019–2024 timeframe is impacted by Islamic Corporate Governance (ICG), profitability (ROA), and corporate social responsibility (CSR). The research data used in this study is quantitative, and it employs a descriptive statistical approach. Purposive sampling was used to gather data from a population of 30 Jakarta Islamic Index (JII) enterprises. This resulted in a sample of 10 JII companies, totaling 60 observations. Panel Data Regression with the Fixed Effect Model in EViews 12 was used to analyze the data. The results showed that partially only ICG and ROA showed a significant positive effect while CSR did not have a significant positive effect on ISR. However, simultaneously ICG, ROA, and CSR had a positive and significant effect on ISR. An R2 of 0.4322, or 43.22%, illustrates the analytical capability of the model. The three independent variables explain the variation in ISR. These findings underline how crucial it is to apply sharia-compliant corporate governance to attain strong financial results and promote the release of sustainability reports that are based on sharia.
Co-Authors Alam, Anjur Perkasa Anjur Perkasa Alam Banurea, Lusi Yashinta Batu, Sridevi Lumban Cut Putri Ajmadayana Cut Zira Maulida Dahlia Dahlia Damanhur, Damanhur Eka Dwi Pertiwi Falahuddin, Falahuddin Frengki Putra Ramansyah Ghazali Syamni Ghazali Syamni Harahap, Muhammad Arfan Heni Yuvita Ismail Ghifari M Nur, Mukhlish M.Nur, Mukhlish Muhammad Arfan Harahap Muhammad Arfan Harahap Muhammad Hafizh Muhammad Hafizh Mukhlish Muhammad Nur Mutia Rahmah Muttaqien Muttaqien Nabila novianita Nadiatul Muna Noviami Trisiniarti Noviami Trisniarti Nur Hidayah Nur, Muklish Muhammad Nurhayati Nurhayati Nursafitri, Yessi Nurzukhairi Syafitri Purnama Ramadani Silalahi Purnama Ramadani Silalahi Purnama Ramadani Silalahi Purnamasari, Nurdiansyah Putri Puteh, Anwar Putri Ramadhani, Putri Raras Risia Yogasnumurti Riska Ayu Nanda Putri Safuani Marsya Salman Nasution Salsabila, Aina Sari Yulis Terfiadi Sari Yulis Terfiadi Sari Yulis Terfiadi Sugianto Sugianto Terpiadi, Sariyulis Tsurayya Syarif Zain Wardhiah Wardiah Wulandari, Laura Zulhilmi, Zulhilmi