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All Journal Jurnal Manajemen, Ekonomi, Keuangan dan Akuntansi Jurnal Ekonomi Global Research in Economics and Advanced Theory
Lisnawati
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Manajemen Resiko Pembiayan Mudharabah Pada Bank Syariah (Studi Kasus Pada Bank Muamalat Indonesia Cabang Banda Aceh) Lisnawati Lisnawati
Jurnal Manajemen, Ekonomi, Keuangan dan Akuntansi Vol. 1 No. 2 (2020): Januari 2020
Publisher : Politeknik Kutaraja

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Abstract

The purpose of this research was to determine the risk management of mudharabah financng in islamic banking with case study in Bank Muamalat Indonesia cabang Banda Aceh. This analysis is based on consept of mudharabah financing have higher risk than other financing, because there are loss profit sharing consept in islamic banking therefore islamic banking have special management to distribution this financing. The method of the research is using a qualitative approach with field research and case study strategy. The data collection is conducted direcly in Bank Muamalat Indonesia cabang Banda Aceh through interview with marketing manager and account manager of Bank Muamalat Indonesia cabang Banda Aceh. The results of the research showed that to avoid risk of mudharabah financing, Bank Muamalat Indonesia cabang Banda Aceh apply combination contract that is mudharabah wal murabahah contract. Mudharabah financing channeled to cooperative business because more lower risk. There are still obstacles to distribute mudharabah financing to other business
DIGITIZATION OF SERVICES TO KUTARAJA POLYTECHNIC STUDENTS IN INCREASING STUDENT SATISFACTION WITH THE APPLICATION-BASED FIRST IN-FIRST OUT (FIFO) METHOD Mirnawati wati; Lisnawati; Rizaldy Khair
Jurnal Ekonomi Vol. 11 No. 02 (2022): Jurnal Ekonomi, Periode September 2022
Publisher : SEAN Institute

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Abstract

Digitalization today occurs as a result of technological advances that have attracted every aspect of human activity. This is what makes a big difference in life in the world including Indonesia. Starting from industry, manufacturing, tourism, health, to the education sector. Especially during the current Covid-19 pandemic which has lasted for almost 2 years, all work activities are carried out online (in the network) which makes everyone increasingly use technology that can support their daily work. The role of technology is accelerating because all activities must be carried out anywhere, anytime, and everyone has to get used to this technological advancement. Kutaraja Polytechnic (PKR) is one of the leading private campuses in the city of Banda Aceh which also feels the change in technology from the educational aspect. When all activities must be carried out from home, the team must innovate to create easy access for students and lecturers to carry out activities in the academic community. Academic Administration Services are realized digitally by creating LMS (Learning Management System) web services, E-Learning, to the use of the Discord and JIRA Platforms in terms of services. This is done in order to improve and facilitate services to students in learning activities to measuring the level of student service satisfaction. However, the education service system that is currently running before the existence of services utilizing technology often results in errors in solving service problems, one of which is the method of solving the problem. Therefore, with technology, services to students can be handled properly with the First-in First-out (FIFO) method [1]. The purpose of this study is to improve services to students in terms of education whose impact can be on the level of student satisfaction by utilizing technology, namely the discord platform, and JIRA. By taking a quantitative approach, the population of all students of the Office Administration Study Program is 56 people. This study uses primary data sourced from direct observation and satisfaction questionnaires based on the ES-Qual which is limited to 4 dimensions, namely Efficiency, Reliability, Fulfillment, and Privacy) which are distributed to 35 samples. The data will be analyzed quantitatively using multiple linear analysis using the SPSS application.
ANALISIS PEMBIAYAAN MUSYARAKAH PADA PENDAPATAN USAHA KECIL SEBELUM DAN SESUDAH PEMBIAYAAN MUSYARAKAH DI PT BPRS HIKMAH WAKILAH (KANTOR PUSAT) Azlina; Mirnawati; Lisnawati; Khairita H
Jurnal Manajemen, Ekonomi, Keuangan dan Akuntansi Vol. 4 No. 1 (2023): Mei 2023
Publisher : Politeknik Kutaraja

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Abstract

This research aims to determine the influence of Musyarakah financing on the increase of income for small businesses at PT BPRS Hikmah Wakilah Kantor Pusat. The data collection technique was conducted by gathering secondary data in the form of documents containing customer income from Musyarakah financing before and after the financing was provided. Out of a population of 391, the sample size was determined using the Slovin formula, resulting in 98 samples, and the sample was drawn using the simple random sampling technique. Data analysis techniques were carried out through descriptive statistics, normality tests, and hypothesis tests using SPSS 26.0. From the descriptive statistical results, it was found that the average income after financing was higher than before financing. The normality test using the Kolmogorov-Smirnov test showed that the data was not normally distributed, leading to the use of the nonparametric Wilcoxon Sign rank test for data comparison. The results of the Wilcoxon Sign rank test, an Asymp. A Sig (2-tailed) value of 0.000 was obtained, which is less than the critical limit of the research at 0.05. Thus, the research accepts the alternative hypothesis (Ha) and rejectsthe null hypothesis (Ho), indicating that there is a significant difference in income between before and after financing, and all samples experienced an increase in income after the financing or had a positive value.
ANALYSIS OF THE BUDGET SURPLUS (SiLPA) IN THE ACEH REVENUE AND EXPENDITURE BUDGET Agustina; Azlina; Mirnawati; Lisnawati; Yudiansyah Shaleh
GLOBAL RESEARCH IN ECONOMICS AND ADVANCE THEORY (GREAT) Vol 3 No 3 (2026): GREAT Journal
Publisher : GREET

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65788/greatjournal.v3i3.134

Abstract

A form of accountability from the regional government for all implementation of programs and activities is by producing a calculation of the Regional Revenue and Expenditure Budget (APBD). Remaining Budget Estimates (SiLPA) is part of financing receipts to cover a deficit or to utilize a surplus. This research aims to determine SiLPA and the aspects that cause SiLPA. This research uses secondary data, namely documents obtained from the Directorate General of Financial Balance (DJPK) in the form of the Aceh Revenue and Expenditure Budget (APBA). The analytical method used is quantitative descriptive analysis. The results of the research show that there is a Remaining Budget Calculation (SiLPA) in the APBA during the 2018-2025 period with numbers that fluctuate. A large SiLPA value indicates low commitment and professionalism of public implementing officials. The largest SiLPA value in 2020 was IDR 3,969,617,354,782 followed by 2021, namely IDR 3,933,680,612,390. The lowest SiLPA value can be seen in 2024 at IDR 530,262,155,634 followed by 2021 at IDR 990,987,381,464. If we look at the growth of SiLPA, the largest growth will be in 2025 with a growth rate of 160% or almost 3 times greater than the previous year, namely 2024. Meanwhile, the smallest SiLPA growth will be in 2022 with a growth rate of -67% smaller than the previous year, namely 2021. The aspect that caused SiLPA to occur in Aceh during the 2018-2025 period was due to the excess of Regional Original Income (PAD) which exceeded the target. PAD that exceeds this target comes from regional taxes, the results of separated regional wealth management and other legitimate sources.
Co-Authors Agustina Azlina Khairita H MIRNAWATI Mirnawati Mirnawati Rizaldy Khair Yudiansyah Shaleh