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All Journal JURNAL ECONOMIA Jurnal Manajemen Terapan dan Keuangan Publikasi Pendidikan Dinar: Jurnal Ekonomi dan Keuangan Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Journal of Humanities and Social Studies Jambura Economic Education Journal JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Journal of Social Commerce Journal of Economics and Management Scienties Riwayat: Educational Journal of History and Humanities BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Maidalena Maidalena, Maidalena
Unknown Affiliation
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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“One Day Two Thousand”: Menuju Kemandirian Financial Pada Murid Kelas VI Sekolah Dasar Maidalena, Maidalena; Nasution, Annio Indah Lestari; Ramadhani, Sri
Publikasi Pendidikan Vol 14, No 1 (2024)
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/publikan.v14i1.53611

Abstract

Artikel ini membahas hasil kegiatan pengabdian masyarakat yang bertujuan meningkatkan literasi keuangan siswa kelas VI SD di masyarakat mayoritas Muslim. Hasil tabulasi menunjukkan perubahan signifikan dalam pemahaman siswa tentang konsep dasar keuangan, termasuk kebutuhan, keinginan, pengeluaran, dan arti penting menabung. Meskipun pemahaman tentang perencanaan keuangan masih dalam tahap awal, perubahan positif ini mencerminkan upaya nyata dalam memberikan pengetahuan dan keterampilan yang diperlukan untuk mengelola keuangan pribadi di masa depan. Sebelum program literasi keuangan, siswa memiliki tingkat literasi keuangan yang rendah, tetapi setelah program, terdapat peningkatan pemahaman yang ditunjukkan oleh angka presentasi jawaban benar yang lebih tinggi. Siswa sekarang lebih memahami konsep kebutuhan dan keinginan, pengeluaran yang bijak, dan pentingnya menabung. Program ini juga merangsang siswa untuk memikirkan perencanaan keuangan yang lebih baik, seperti membuat anggaran, mengelola utang secara bijak, dan bahkan mempertimbangkan investasi. Kegiatan ini juga menjalin kerjasama antara sekolah dan Bank Syariah Indonesia (BSI) dalam memperkenalkan produk-produk keuangan syariah. Meskipun masih ada ruang untuk perbaikan, artikel ini menggarisbawahi pentingnya literasi keuangan yang berkelanjutan untuk siswa, yang akan membantu mereka menjadi lebih mandiri dalam mengelola keuangan mereka dan membuat keputusan keuangan yang cerdas di masa depan.
Analisis Pengaruh Makro Ekonomi Terhadap Perkembangan Indeks Saham di BSI Pada Tahun 2021-2024 Fahmi, Faisal; Maidalena, Maidalena; Tambunan, Khairina
Journal of Economics and Management Scienties Volume 8 No. 1, December 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v8i1.271

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh indikator makroekonomi yang terdiri dari inflasi, kurs, dan Produk Domestik Bruto (PDB) terhadap indeks saham PT Bank Syariah Indonesia Tbk (BSI) pada periode Juli 2021–Desember 2024. Penelitian ini menerapkan pendekatan kuantitatif dengan analisis regresi linier berganda. Sumber data yang digunakan berupa data sekunder yang diperoleh dari publikasi resmi Bank Indonesia, Badan Pusat Statistik, serta Bursa Efek Indonesia. Hasil penelitian menunjukkan bahwa secara parsial inflasi berpengaruh negatif signifikan terhadap indeks saham BSI, yang berarti kenaikan inflasi cenderung menurunkan harga saham. Kurs juga berpengaruh negatif signifikan, sehingga pelemahan nilai tukar rupiah berdampak pada penurunan indeks saham BSI. Sementara itu, PDB berpengaruh positif signifikan, menandakan bahwa pertumbuhan ekonomi nasional mendorong peningkatan kinerja saham BSI. Hasil uji simultan (F-test) memperlihatkan bahwa ketiga variabel bebas secara bersama-sama berpengaruh signifikan terhadap indeks saham BSI dengan nilai F-hitung 23,954 lebih besar dari F-tabel 2,76 dan signifikansi 0,000 < 0,05. Nilai Adjusted R² sebesar 0,671 menunjukkan bahwa 67,1% variasi pergerakan saham BSI dapat dijelaskan oleh variabel inflasi, kurs, dan PDB, sementara 32,9% sisanya dipengaruhi oleh faktor lain di luar model penelitian ini.
Analisis Faktor-Faktor yang Mempengaruhi Pergeseran Penggunaan Aplikasi Mobile Banking BSI ke Byond Studi Kasus Bank Syariah Indonesia KCP Tanjungbalai Sitorus, Rahmadini; Maidalena, Maidalena
Riwayat: Educational Journal of History and Humanities Vol 8, No 4 (2025): October
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v8i4.50638

Abstract

This study aims to analyze the factors influencing the shift in the use of mobile banking applications from BSI Mobile to BYOND by BSI, with a case study at BSI KCP Tanjungbalai. Using a descriptive qualitative approach through semi-structured interviews and direct observation, the findings reveal that the transition is driven by the need for more modern digital services, a more responsive user interface, and more comprehensive Sharia-compliant features, such as ZISWAF and Islamic financial consultations. Digital education and promotional strategies also supported the migration process. However, the transition did not proceed smoothly due to technical issues, limited digital literacy, resistance from long-time users, and a lack of direct assistance. These challenges indicate that the success of digital transformation depends not only on technological advancement but also on system readiness, effective communication, and continuous customer education. The study highlights the importance of consistent innovation and inclusive approaches to ensure that the digital transformation of Islamic banking is effectively embraced across all customer segments
The Influence of Corporate Social Responsibility Effectiveness on Community Welfare: A Study of Social Value Exchange in Rural Infrastructure Development Pohan, Raihan Adha Rahman; Maidalena, Maidalena; Hayati, Fitri
Journal of Social Commerce Vol. 5 No. 4 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i4.205

Abstract

Corporate Social Responsibility has increasingly been positioned as a mechanism through which private enterprises engage with community welfare, particularly in contexts where public development efforts face structural limitations. This study examines the effectiveness of a Corporate Social Responsibility program in the form of road infrastructure development and its relationship with community welfare in Kampung Lalang Hamlet, North Sumatra. Using a quantitative approach, data were collected from 72 community members through structured questionnaires measuring perceived CSR effectiveness and welfare across educational, health, and economic dimensions. The data were analyzed using validity and reliability testing, classical assumption testing, and simple linear regression analysis. The results indicate a positive and statistically significant relationship between CSR program effectiveness and community welfare, with a substantial proportion of welfare variation explained by the effectiveness of the CSR intervention. These findings suggest that infrastructure-oriented CSR programs can shape community welfare through improved accessibility, service utilization, and economic activity when implemented in ways that align with local needs and social conditions.
Analisis Penetapan Harga Jual Dengan Metode Pendekatan Biaya (Cost Oriented Approach) Terhadap Produksi Kerupuk Sambal Canga Kota Sibolga Lubis, Amyra Zhahra; Maidalena, Maidalena; Harianto, Budi
Jambura Economic Education Journal Vol 7, No 1 (2025): January 2025
Publisher : Gorontalo State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jeej.v7i1.30134

Abstract

The purpose of this research is to determine the analysis of selling price determination using the Cost Approach Method for the production of canga chili sauce crackers in the city of Sibolga, and to find out what the Islamic economic concept of price determination is. This research method uses a case study research design using qualitative descriptive techniques. Data collection techniques using interviews with the owner of the canga chili cracker company in Sibolga City. The data source is based on primary data, namely direct observation and interviews with the canga chili cracker business in Sibolga City. The results of the research show that the cost-oriented approach used to determine the selling price of Sibolga City sambal canga crackers produces a price that is significantly different from that set by the business. When a business uses the Cost Oriented Approach method, it bases the selling price of the product on the selling price of its competitors and with this method includes all capital calculations.
The Effect of Promotion Costs, Financing Amount, and Third-Party Funds on Market Share at Pt Bank Syariah Indonesia Afifa, Adinda; Maidalena, Maidalena; Nasution, Juliana
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.33737

Abstract

This study aims to analyze the effect of promotional costs, financing amounts, and third-party funds (DPK) on the market share of PT Bank Syariah Indonesia Tbk (BSI). The study uses a quantitative approach with multiple linear regression methods. The data used are secondary data in the form of BSI's quarterly and annual financial reports obtained from official publications of Bank Syariah Indonesia and the Financial Services Authority (OJK). Data processing and analysis were carried out using IBM SPSS version 25 through classical assumption tests, regression tests, and partial and simultaneous hypothesis tests. The results show that promotional costs have a negative and significant effect on market share, indicating that the increase in the promotional budget has not been followed by optimal marketing strategy effectiveness. The amount of financing has a positive and significant effect on market share, so that financing is the main factor in expanding BSI's market share. Meanwhile, third-party funds (DPK) have a negative and insignificant effect on market share, indicating that the increase in DPK plays a more important role in maintaining liquidity than market expansion. Simultaneously, all three variables have a significant effect on market share with a coefficient of determination of 39.8%. These findings provide important implications for BSI management in formulating promotional strategies and financing optimization to strengthen the market position of Islamic banking.
Co-Authors Afifa, Adinda Ahmadi Bi Rahmani, Nur Amelia NST, Putri Astri, Afiyah Dwi azzahri, khairul Bachtiar, Nasri Budi Harianto Fahmi, Faisal Fitri Hayati Harahap, Adrie Fahrezi Harahap, Muhammad Ikhsan Hasugian, Hotbin Haviz, Luthfi KHAIRUL HASNI Lubis, Amyra Zhahra Maulana, Syahlaa Muhammad Lathief Ilhamy Nasution muhammad Syahbudi, muhammad Nasution, Annio Indah Lestari Nasution, Juliana Pohan, Raihan Adha Rahman Ramadhani, Ela Ramadhani, Sri Sitorus, Rahmadini Sri Wahyuni Sugianto Sugianto Syamsiar, Syamsiar Syaputri, Widya Sylvia Vianty Ranita Tambunan, Khairina Wahyu Syarvina