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All Journal Tazkia Islamic Finance and Business Review Jurnal EMT KITA Jurnal Hukum Samudra Keadilan 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 Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Proceeding International Seminar of Islamic Studies Center of Knowledge eCo-Fin el-Amwal Al-Maqashid: Journal of Economics and Islamic Business International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) 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)
Muhammad Hafizh
Universitas Malikussaleh
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Nursing Physics Public Health Social Sciences Other

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Analysis of Determination Toward Return On Assets of Islamic Commercial Banks Laura Wulandari; Muhammad Hafizh; Mukhlish M.Nur
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.
THE DYNAMICS OF CREATIVITY: MAPPING OPPURTUNITIES AND CHALLENGES IN THE CREATIVE ECONOMY OF LHOKSEUMAWE Mutia Rahmah; Noviami Trisniarti; Muhammad Hafizh; Ratih Widyadhana; Rezeki Fitri Tritami
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 5 (2024): October
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19494404

Abstract

This study aims to analyze the opportunities and challenges in the development of the creative economy in Lhokseumawe City using a SWOT-based approach. A descriptive qualitative method was applied, with data collected through in-depth interviews, observations, and documentation involving key stakeholders, including creative industry actors, government representatives, academics, and communities. The data were analyzed using the Internal Factor Analysis Summary (IFAS) and External Factor Analysis Summary (EFAS) matrices to identify internal and external strategic factors. The results indicate that the IFAS score is 2.40 and the EFAS score is 2.40, reflecting moderate internal and external conditions. The strength score (1.50) and opportunity score (1.50) indicate that the sector is supported by strong internal potential and favorable external conditions. Based on the Cartesian SWOT analysis, the creative economy in Lhokseumawe City is positioned in Quadrant I, suggesting the implementation of an aggressive strategy. Therefore, optimizing strengths and opportunities through innovation, digital transformation, and stakeholder collaboration is essential to support sustainable development.
PERLINDUNGAN HUKUM TERHADAP PELAKU UMKM DALAM MENJALANKAN TRANSAKSI DAGANG SECARA ELEKTRONIK DI KOTA LHOKSEUMAWE Muksalmina Muksalmina; Eko Gani PG; Muhammad Hafizh
Jurnal Hukum Samudra Keadilan Vol 20 No 2 (2025): Jurnal Hukum Samudra Keadilan
Publisher : Fakultas Hukum, Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jhsk.v20i2.13119

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) merupakan pilar utama perekonomian Indonesia yang berkontribusi signifikan terhadap pertumbuhan ekonomi nasional, termasuk di Kota Lhokseumawe. Perkembangan teknologi digital mendorong UMKM untuk beradaptasi melalui transaksi dagang elektronik dengan memanfaatkan marketplace, media sosial, maupun aplikasi e-commerce. Transformasi ini memang memberikan peluang dalam memperluas pasar dan meningkatkan daya saing, namun juga menimbulkan persoalan hukum, seperti keabsahan kontrak elektronik, perlindungan konsumen, keamanan data pribadi, hingga mekanisme penyelesaian sengketa daring. Penelitian ini bertujuan untuk menganalisis pengaturan hukum transaksi elektronik bagi UMKM, menelaah implementasi perlindungan hukum di Kota Lhokseumawe, serta merumuskan solusi penguatan perlindungan hukum berbasis kebutuhan lokal. Penelitian menggunakan pendekatan yuridis empiris (socio legal research), dengan menggabungkan kajian normatif terhadap peraturan perundang-undangan dan teori hukum, serta kajian empiris melalui wawancara dengan pelaku UMKM yang bertransaksi secara elektronik. Hasil penelitian menunjukkan bahwa meskipun regulasi nasional seperti UU ITE, UU Perlindungan Konsumen, UU Perdagangan, dan UU UMKM telah memberikan kerangka normatif, implementasinya di Kota Lhokseumawe masih menghadapi kendala. Kendala substantif meliputi regulasi yang bersifat fragmentaris dan reaktif, sementara kendala fungsional berkaitan dengan belum adanya kebijakan lokal yang secara eksplisit melindungi UMKM dalam transaksi elektronik. Oleh karena itu, diperlukan regulasi yang lebih adaptif, peningkatan literasi hukum digital yang berkelanjutan, pembentukan mekanisme penyelesaian sengketa daring yang efektif, serta sinergi kebijakan pusat dan daerah. Dengan langkah-langkah tersebut, perlindungan hukum terhadap UMKM dapat terwujud lebih optimal sehingga menciptakan ekosistem perdagangan digital yang aman, adil, dan berkelanjutan.
Determinants of Customer Decisions to Use BYOND by BSI: Security, Perceived Risk, System Quality, and Digital Pressure Syah Juari Lubis; Muhammad Hafizh
eCo-Fin Vol. 8 No. 3 (2026): eCo-Fin
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/ef.v8i3.4167

Abstract

The rapid growth of digital banking has encouraged Bank Syariah Indonesia (BSI) to introduce the BYOND by BSI application as an innovation in Islamic digital banking services. Despite this development, the gap between the number of BSI customers and active BYOND users, along with persistent complaints related to system reliability and security, indicates that customer adoption remains suboptimal. While previous studies have examined security, perceived risk, and system quality as determinants of digital banking adoption, limited attention has been given to digital pressure as a psychological factor influencing customer decisions. This study aims to examine the effects of security, perceived risk, system quality, and digital pressure on customers' decisions to use the BYOND by BSI application in Lhokseumawe City. An associative quantitative approach was employed using primary data collected through questionnaires from 100 BYOND by BSI users. Multiple linear regression using SPSS was used to examine the data. The results show that while perceived risk and digital pressure have no discernible impact on customer decisions, security and system quality do. All independent variables have a substantial impact on customer decisions at the same time. These results emphasize how crucial it is to boost system quality and security in order to boost client confidence and promote the use of Islamic digital banking services.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MASYARAKAT UNTUK BERINVESTASI DI REKSADANA SYARIAH DI KOTA LHOKSEUMAWE Putri Nardiaton; Muhammad Hafizh
Al-Maqashid: Journal of Economics and Islamic Business Vol. 6 No. 02 (2025): Oktober: Al Maqashid Jurnal Ekonomi dan Bisnis Islam
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/maqashid.v6i02.2033

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi investasi, return, risiko, dan imbal hasil terhadap minat masyarakat untuk berinvestasi di Kota Lhokseumawe yang sesuai syariah.  Investasi pada reksadana syariah. menjadi alternatif yang menarik bagi masyarakat luas yang ingin hidup sesuai prinsip syariah tanpa terkecuali.  Tantangan utama dalam penelitian ini adalah tingkat partisipasi masyarakat terhadap instrumen investasi syariah, meskipun potensi pasarnya masih besar.  Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner yang diberikan kepada masyarakat Lhokseumawe, yang dianggap sebagai sampel dengan menggunakan metode Slovin.  Analisis data menggunakan regresi garis berganda dengan software SPSS. Berdasarkan temuan penelitian, variabel literasi investasi, pendapatan, risiko, dan imbal mempunyai pengaruh yang signifikan terhadap sentimen masyarakat secara umum. ketika berinvestasi dalam peraturan syariah.  Secara bersamaan, variabel ini juga mempunyai pengaruh yang signifikan terhadap minimum investasi.  Semua ini menunjukkan bahwa peningkatan literasi investasi dan pemahaman terhadap risiko dan ketidakseimbangan dapat mendorong partisipasi masyarakat dalam investasi berbasis syariah.  Penelitian ini diharapkan dapat membantu meningkatkan kesadaran tentang uang syariah di Indonesia, khususnya di wilayah Lhokseumawe.
Co-Authors Alam, Anjur Perkasa Andika Al Imran Anggi Rahayu Anjur Perkasa Alam Baehaqi Baharuddin Ali Tanjung Banurea, Lusi Yashinta Batu, Sridevi Lumban Cut Putri Ajmadayana Cut Zira Maulida Dahlia Dahlia Damanhur, Damanhur Eko Gani PG Falahuddin, Falahuddin Frengki Putra Ramansyah Ghazali Syamni Ghazali Syamni Harahap, Muhammad Arfan Heni Yuvita Ismail Ghifari Laura Wulandari M Nur, Mukhlish Muhammad Arfan Harahap Muhammad Arfan Harahap Muhammad Hafizh Muhammad Hafizh Mukhlish Muhammad Nur Muksalmina Muksalmina Mutia Rahmah Muttaqien Muttaqien Nabila novianita Nadiatul Muna Nasution, Salman Noviami Trisiniarti Noviami Trisniarti Noviami Trisniarti Nur Hidayah Nur, Muklish Muhammad Nurdiansyah Putri Purnamasari Nurhayati Nurhayati Nursafitri, Yessi Nurzukhairi Syafitri Purnama Ramadani Silalahi Purnama Ramadani Silalahi Puteh, Anwar Putri Nardiaton Putri Ramadhani, Putri Raras Risia Yogasnumurti Ratih Widyadhana Rezeki Fitri Tritami Riska Ayu Nanda Putri Safuani Marsya Salsabila, Aina Sari Yulis Terfiadi Sari Yulis Terfiadi Sari Yulis Terfiadi Silalahi, Purnama Ramadani Sugianto Sugianto Syah Juari Lubis Terpiadi, Sariyulis Tsurayya Syarif Zain Wardhiah Wardiah Zulhilmi Zulhilmi