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All Journal Jurnal Al-Iqtishad Jurnal Pemberdayaan Masyarakat: Media Pemikiran dan Dakwah Pembangunan Finansha: Journal of Sharia Financial Management Jurnal Ilmu Ekonomi dan Bisnis Islam Komitmen : Jurnal Ilmiah Manajemen Mabny : Journal of Sharia Management and Business Jurnal Ilmiah Perlindungan dan Pemberdayaan Sosial (Lindayasos) Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Indonesian Journal of Economics and Management Journal of Islamic Economics and Business Likuid: Jurnal Ekonomi Industri Halal Gunung Djati Conference Series West Science Social and Humanities Studies Jurnal Ilmiah Mahasiswa Secretary Administration Journal
Nabiela Rizki Alifa
UIN Sunan Gunung Djati Bandung
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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MURABAHAH FINANCING REPAYMENT OPTIMIZATION THROUGH 5C CREDIT ANALYSIS Rapiyudin, Raply; Alifa, Nabiela Rizki
Finansha: Journal of Sharia Financial Management Vol. 5 No. 1 (2024): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v5i1.33265

Abstract

This study investigates the impact of the 5C credit analysis principles (Character, Capacity, Capital, Collateral, and Conditions of Economics) on the smoothness of murabahah financing payments at KSPPS BMT ItQan Soreang Unit either simultaneously or partially. Micro, Small, and Medium Enterprises (MSE) often face challenges due to a lack of business capital, despite financial products introduced by institutions like Savings and Loans Cooperatives and KSPPS BMT. Persisting issues in payment smoothness necessitate a comprehensive examination, particularly in credit analysis. This research employs a quantitative approach with logistic regression tests on a sample of 101 respondents using statistical techniques such as  regression analiysis, wald test, and omnibus test of model coefficients. This research highlights the importance of applying the 5C credit analysis principles to improve risk management, policy development, operational efficiency, and financial inclusion in murabahah financing at KSPPS BMT ItQan Soreang Unit. Findings from the Omnibus Test of Model Coefficients confirm that the 5C principles collectively impact payment smoothness. Moreover, the Wald test identifies Character, Capacity, and Conditions of Economics as significant contributors to the effectiveness of murabahah financing payments at KSPPS BMT ItQan Soreang Unit. This research highlights the importance of applying the 5C credit analysis principles to improve risk management, policy development, operational efficiency, and financial inclusion in murabahah financing at KSPPS BMT ItQan Soreang Unit.
Empowering Human Capital Through Islamic Microfinance: A Pathway to Achieving SDGs in Indonesia Alifa, Nabiela Rizki; Amani, Akbar Riskal; Zuhri, Arif Rachman; Chng, Norlila Binti Amin
Indonesian Journal of Economics and Management Vol. 5 No. 3 (2025): Indonesian Journal Of Economics and Management (July 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijem.v5i3.6584

Abstract

This study examines how Islamic microfinance contributes to the Sustainable Development Goals (SDGs) in Indonesia, focusing on BTPN Syariah’s Mekaar program. A qualitative approach was employed, combining thematic analysis with sentiment analytics using Python-based natural language processing (NLP). Data were derived from beneficiary statements, categorized into ten impact areas including poverty alleviation, education, health, empowerment, and sharia values. The results show that the program positively influences SDG 1 (No Poverty), SDG 4 (Quality Education), SDG 5 (Gender Equality), SDG 8 (Decent Work and Economic Growth), SDG 10 (Reduced Inequalities), and SDG 16 (Peace, Justice, and Strong Institutions). Beneficiaries experienced increased income, improved access to basic services, enhanced financial literacy, and empowerment through sharia-compliant and value-driven financing. Sentiment analysis revealed a predominance of neutral and positive responses, with particularly strong positivity in categories related to spiritual comfort, ethical business practices, and social solidarity. This study concludes that Islamic microfinance, when implemented through a structured, ethical, and mentoring-supported model, functions not only as a financial instrument but also as a strategic development tool aligned with global sustainability goals.
PENGARUH UKURAN PERUSAHAAN DAN KOMITE AUDIT TERHADAP TAX AVOIDANCE PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2016-2020 Asriati, Novia Aisah; Tripalupi, Ramadhani Irma; Alifa, Nabiela Rizki
Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Vol. 4 No. 2 (2022): AKSY: Jurnal Ilmu Akuntansi dan Bisnis Syariah
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/aksy.v4i2.23538

Abstract

The purpose of this study was to determine the effect of firm size and audit committee on tax avoidance. In this study, tax avoidance is measured using the Effective Tax Rate (ETR), which is the tax burden divided by profit before tax. The sample in this study was Islamic commercial banks in Indonesia for the 2016-2020 period, which amounted to 7 banks with a period of 5 years resulting in 35 data. The method used is quantitative and sampling using purposive sampling technique. The analysis technique used is multiple linear regression analysis. The results showed that the size of the company and the audit committee had no effect on tax avoidance.  
Digital Competence of Society for Online Crowdfunding Acceleration in West Java Alifa, Nabiela Rizki; Sutisna, Fajar Andrian
West Science Social and Humanities Studies Vol. 3 No. 01 (2025): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v3i01.1619

Abstract

Digitalization has become a disruption worldwide, including in Indonesia. One dominant aspect of this phenomenon is digital transactions. Bank of Indonesia (BI) reported that the cumulative value of electronic money transactions for the period of January to August 2024 reached IDR 1.6 quadrillion, representing a 35.76% growth compared to IDR 1.18 quadrillion (yoy). This highlights the role of digital transactions as a solution and convenience for various activities, including online crowdfunding. Crowdfunding is a rooted culture in Indonesia and demonstrates sustainable economic benefits in West Java. This activity does not always run smoothly, as issues arise within crowdfunding management institutions, leading to societal trust issues. Based on this phenomenon, strengthening the digital ecosystem in West Java is worthy of study. This research aims to measure society's digital competence level about digital transaction activities, particularly crowdfunding. This research uses a descriptive analysis method with a quantitative approach. Primary data from 258 respondents were obtained through questionnaire distribution targeting urban and rural communities in West Java was employed. The data were analyzed using simple regression analysis. The results show that the level of digital competence in society is not yet optimal; however, digital competence significantly influences digital transaction activities positively. Therefore, exploration is needed to establish credible crowdfunding management in West Java.
PENGARUH BRANDING DAN KUALITAS PRODUK TERHADAP LOYALITAS KONSUMEN AIR MINUM DALAM KEMASAN LE MINERALE (Studi Pada Konsumen Le Minerale di Kecamatan Cibiru) Purnawan, Heriyanto Dwi; Alifa, Nabiela Rizki
SECAD Vol 3 No 1 (2023): JURNAL SECAD
Publisher : SECAD

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Abstract

Terdapat fenomena di lapangan yang berupa loyalitas konsumen Le Minerale ternyata masih kalah dari air kemasan merek lain. Hal tersebut dibuktikan dengan masih kalahnya tingkat penjualan Le Minerale dangan merek air kemasan lain. Penelitian ini bertujuan untuk mengetahui pengaruh secara parsial dan simultan dari branding dan kualitas produk terhadap loyalitas konsumen air minum dalam kemasan Le Minerale di Kecamatan Cibiru. Metode penelitian yang digunakan yaitu metode penelitian deskriptif dan verifikatif dengan pendekatan kuantitatif. Pengambilan sampel menggunakan teknik non probability sampling dengan teknik purposive sampling, berdasarkan kriteria yang ditetapkan peneliti yaitu penduduk cibiru yang merupakan seorang mahasiswa atau seorang yang telah memiliki pekerjaan dan pernah mengonsumsi produk Le Minerale. Penelitian ini menunjukkan bahwa brandingberpengaruh positif dan signifikan terhadap loyalitas konsumen air kemasan Le Minerale. Kualitas Produk juga memiliki pengaruh yang positif dan signifikan terhadap loyalitas konsumen air kemasan Le Minerale. Hal tersebut dibuktikan dengan nilai signifikansinya yang dibawah 0,05. Hubungan korelasi yang terjadi antara variabel independent dengan variabel dependent ada pada tingkatan yang kuat. Besaran persentase pengaruh secara keseluruhan menggunakan uji koefisien determinasi adalah sebesar 65,6% dan sisanya 36,4% merupakan faktor lain yang tidak diteliti oleh peneliti.
Keputusan Pembelian Produk Kosmetik PT. Paragon Technology and Innovation Berdasarkan Brand Awareness dan Halal Awareness Karimah, Anis Iffa; Alifa, Nabiela Rizki
Likuid Jurnal Ekonomi Industri Halal Vol. 3 No. 2 (2023): LIKUID: Jurnal Ekonomi Industri Halal
Publisher : Sharia Economics Study Program Faculty of Islamic Economics and Business UIN Sunan Gunun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/likuid.v3i2.28137

Abstract

Pengguna kosmetik Paragon yang merupakan mahasiswi Ekonomi Syariah UIN Sunan Gunung Djati Bandung. Pengumpulan data untuk studi kuantitatif ini melibatkan kuesioner. Uji instrumen penelitian, Metode analisis data yang digunakan adalah uji asumsi klasik, analisis regresi linier berganda, dan pengujian hipotesis. Hasil penelitian ini menunjukkan terdapat pengaruh yang signifikan dari kesadaran merek dan kesadaran halal baik secara parsial maupun simultan terhadap keputusan pembelian produk kosmetik PT. Paragon Technology and Innovation. Menurut hasil pengujian koefisien determinasi, pengaruh kesadaran merek dan kesadaran halal menyumbang 66,1% terhadap keputusan pembelian, sementara 33,9% dari total terdiri dari karakteristik lain yang tidak dipertimbangkan dalam penelitian ini.
Integrating Coffee and Biofloc for Regional Economy with Bank of Indonesia Ruly Ahsanul Hakim; Nabiela Rizki Alifa; Akbar Riskal Amani
Mabny: Journal of Sharia Management and Business Vol. 6 No. 1 (2026): Mabny : Journal of Sharia Management and Business
Publisher : Faculty of Islamic Economics and Business, Madura Islamic State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/mabny.v6i1.22471

Abstract

Purpose – This study aims to analyze the role of Bank Indonesia in strengthening the real sector and supporting regional economic growth through the optimization of local potential, particularly through the integration of coffee cluster development and pesantren-based fish farming using the biofloc system. Methodology – This study uses a qualitative descriptive approach based on literature studies and internship results to describe in depth the implementation of the Bank Indonesia Tasikmalaya program. Findings – The results of the study show that Bank Indonesia's facilitation has succeeded in increasing the competitiveness of coffee MSMEs in the East Priangan region such as Kopi Bunar, Kopi Cigalontang, and Tenjo Bumi Kopi as well as encouraging the implementation of an efficient, environmentally friendly biofloc system in Islamic boarding schools, which contributes to local food security. Implications – This initiative has strategic implications for strengthening the real sector and developing a sharia-based economy. In addition, this program can serve as a model for collaboration between financial institutions, MSMEs, and Islamic educational institutions in realizing inclusive sustainable development. Originality – This study offers a new perspective by highlighting the synergy between coffee cluster development and biofloc cultivation in Islamic boarding schools as a model for real sector integration based on sharia economic values and environmental sustainability.
Digital Tax Transformation In Indonesia: Evaluating The Impact Of The Coretax System On Taxpayer Compliance Nabiela Rizki Alifa; Rizwan Ardiansyah
JIM: Jurnal Ilmiah Mahasiswa Vol. 8 No. 1 (2026): Januari - April 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/nyy5dp53

Abstract

This study aims to analyze the impact of digital tax transformation through the implementation of the Core Tax Administration System (Coretax) on taxpayer compliance in Indonesia and to identify the supporting and inhibiting factors affecting its effectiveness. The research employs a qualitative descriptive approach using a literature review method based on secondary data from academic journals, government reports, policy documents, and publications from international institutions related to digital tax administration. The findings indicate that Coretax significantly improves administrative efficiency by integrating registration, reporting, payment, and supervision into a single digital platform, thereby simplifying taxpayer interactions, reducing compliance costs, and enhancing transparency and accountability. Empirical evidence shows improvements in formal compliance rates, timeliness of tax reporting, expansion of the taxpayer base, and reductions in tax arrears, while integrated data systems strengthen monitoring and enforcement capabilities and foster voluntary compliance through increased trust in tax authorities. However, the effectiveness of Coretax implementation is constrained by uneven digital infrastructure, cybersecurity risks, limited digital literacy, resistance to organizational change, and regulatory adaptation challenges. In conclusion, Coretax plays a crucial role in improving taxpayer compliance by lowering administrative barriers, strengthening institutional trust, and enhancing enforcement mechanisms, but its long-term success requires sustained investment in infrastructure, capacity building, regulatory support, and public education to ensure that digital transformation leads to durable improvements in tax compliance and revenue performance.
Assessing the Determinants of Cashless Society Growth Among Muslims In Indonesia Tonton Taufik Rahman; Nabiela Rizki Alifa
Journal of Islamic Economics and Business Vol. 4 No. 2 (2024): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v4i2.45533

Abstract

The Covid-19 pandemic has increased cashless payment transactions among the Muslim community in Indonesia. Cashless payment turned into a post-pandemic lifestyle that can create a cashless society. This study aims to analyze the factors that can form a cashless society through digital literacy competencies compiled by Japelidi. Factor analysis with a quantitative approach was used as an analytical method by surveying 250 participants, characterized as Muslims who live in West Java. The research findings show that the Muslim community in West Java is classified as competent and has good digital literacy. The ability of Muslim communities living in West Java in analyzing instruments and digital implementation is the predominant factor for developing a cashless society. This research shows new factors that can influence the development of a cashless society and can be used as a reference for constructing policies for the development of a cashless society in West Java.
EXPLORING THE HUMAN CAPITAL DYNAMICS OF BANDUNG'S DIGITAL CREATIVE INDUSTRY ECOSYSTEM Nabiela Rizki Alifa
Jurnal Al-Iqtishad Vol. 20 No. 2 (2024): December 2024
Publisher : Faculty of Economic and Social Science, Universitas Islam Negeri Sultan Syarif Kasim

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Abstract

Digital creative industry holds immense potential to drive economic growth, particularly in Bandung, known for its dynamic creative environment. Realizing this potential requires a deep understanding of the human capital as the primary resource in developing this industry. This study examines its dynamics based on the theories of creative class, human capital, knowledge management, and effectuation. Through a qualitative approach, the research utilizes in-depth interviews with various stakeholders, including creative professionals, academics, and government representatives, to gain insights into the opportunities and challenges faced by human capital in this industry. Data analysis techniques include Latent Dirichlet Allocation topic modeling, word frequency analysis, and word co-occurrence network analysis. The findings suggest that Bandung has potential to develop a strong digital creative industry, demonstrated by the presence of talented workforce, high entrepreneurial spirit, and a supportive community. However, several challenges need to be addressed, such as skills gaps, limited access to funding, and the need for stronger policy support. Moreover, synergistic collaboration among stakeholders is crucial to create an ecosystem that supports human capital development and fosters the sustainable growth of Bandung's digital creative industry. These efforts include enhancing knowledge-sharing, promoting innovation, and implementing policies that can attract and retain creative talents.
Co-Authors Adhi Rahmadian Akbar Riskal Amani Amani, Akbar Riskal Anis Iffa Karimah Asriati, Novia Aisah Chng, Norlila Binti Amin Evi Sopiah, Evi Sopiah Fajar Andrian Sutisna Hilman Maulana Akbar Ismail, Shafinar Karimah, Anis Iffa Purnawan, Heriyanto Dwi Ramadhani Irma Tripalupi Rapiyudin, Raply Rizwan Ardiansyah Ruly Ahsanul Hakim Sutisna, Fajar Andrian Tonton Taufik Rahman Versanudin Hekmatyar Zuhri, Arif Rachman