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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Aplikasi Akuntansi Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Journal of Ekonomics, Finance, and Management Studies
Maryam Bte Badrul Munir
Universitas Negeri Surabaya
Religion Arts Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Pelatihan Pengelolaan Keuangan Berbasis Syariah Pada PKK Kabupaten Lumajang Sri Abidah Suryaningsih; Clarashinta Canggih; Fira Nurafini; Moch. Khoirul Anwar; Maryam Bte Badrul Munir
Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 3 No. 1 (2023): February
Publisher : Inspirasi Nusantara

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Abstract

Lumajang is one of the areas in East Java, Indonesia, with a Muslim majority population. As Muslims, we must understand sharia rules, including how to manage sharia-based finance. Based on the results of the interviews, it was found that the majority of Lumajang District PKK cadres who are Muslim still do not optimally understand how to manage finances based on Islamic rules. Therefore, financial management training is needed from a sharia perspective to increase people's knowledge and abilities in managing finances according to Islamic rules to bring goodness to the world and the hereafter. Sharia-based financial management training is carried out through preparation, pre-test, training implementation, and post-test. The training results showed that the participant's understanding of sharia-based financial management increased from an average pre-test score of 71% and an average post-test score of 85%.
Evaluation of Asset and Liability Management Strategies in Companies from an Islamic Perspective Maryam Bte Badrul Munir; Norfhadzilahwati Binti Rahim
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7 No 4 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (297.17 KB) | DOI: 10.30651/jms.v7i4.18038

Abstract

Purpose of the study effective asset and liability management analysis is essential to risk management, especially now that banks are performing better. After the 2008–2009 global financial crisis, banks began to assess the risk associated with their assets and liabilities. The banks then established ALCO, an acronym for Asset and Liability Committee. ALCO is permitted to conduct asset and liability management analyses. This theory is essential for the continuation of performance research, particularly for raising awareness of the significance of ALCO and ALM. Asset and liability management is believed to be one technique for businesses to monitor the emergence of performance-harming hazards. Before and after 2008, the bank's annual report illustrated the evolution of ALM and ALCO. This research will examine papers discussing the importance of asset and liability management for increasing a bank's performance. The method employs descriptive analysis based on document analysis technology. It employs Asset and Liability Management keywords from the Mendeley and Google Scholar databases. This study evaluates bank assets and liabilities from 2008 to 2016 using Mendeley software. 47.753.293 items were searched. This research only covered 250 banking performance papers. 25 of 250 articles from 2008 to 2016 discussed banks. Each paper contains a title, year of publication, methodological type (quantitative or qualitative), and objective
ACCOUNTING CONSERVATISM DURING COVID-19: EVIDENCE FROM INDONESIA Irwan Adimas Ganda Saputra; Maryam Bte Badrul Munir
Jurnal Aplikasi Akuntansi Vol 8 No 1 (2023): Jurnal Aplikasi Akuntansi, Oktober 2023
Publisher : Program Studi Diploma III Akuntansi Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jaa.v8i1.243

Abstract

This study investigated the factors influencing accounting conservatism in the tourism sector during the Covid-19 pandemic. The sample was selected through purposeful sampling and assessed through multiple linear regression. The investigation results showed that leverage significantly impacts accounting conservatism, while business size has a significant negative impact. Neither institutional ownership nor capital institutions significantly impacted accounting conservatism during the COVID-19 pandemic. The study also discovered that firms with a higher level of accounting conservatism were better able to control the impact of the pandemic on their financial performance and maintain their firm's financial performance despite challenging economic conditions than firms with a lower level of conservatism. This proved how accounting conservatism contributes in improving how the pandemic's effects are reflected in financial reporting. Overall, the results of this Indonesian study indicated that conservatism in accounting has been a valuable tool for businesses to control the COVID-19 pandemic's effects on their financial accounts. Thus, by recognizing losses and expenses earlier, companies could provide a more accurate picture of their financial position and better manage the risks associated with the pandemic.
Pengelolaan Keuangan Keluarga untuk Membangun Ketahanan Keluarga Muslim: Tinjauan dalam Perspektif Ekonomi Islam Sofi Putri Isnani; Mutiara Puspita Harnum; Taufik Kukuh Efendi; Fathor Rozy Alfarisy; Muhammad Esza Maulana Firmanda; Maryam Bte Badrul Munir
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (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.v6i1.5683

Abstract

Poverty in Indonesia is a complex problem for the government which is caused by low income levels that lead to economic vulnerability for families. Many Indonesians, who are predominantly Muslim, tend to underestimate household financial management. This study aims to provide an understanding of financial literacy from an Islamic economic perspective, focusing on the financial management of Muslim families to build strong economic resilience and maintain family welfare. This research method is qualitative literature-based research. The study's results show that the financial management of Muslim families is based on the concept of maqashid sharia and avoid elements of usury, maysir, and gharar to achieve both worldly and spiritual well-being. Islamic principles such as mudharabah, musyarakah, ijarah, qardhul hasan, wakalah, and kafalah can be applied to achieve maqashid sharia. Additionally, the Sakinah Finance model can stabilize the finances of Muslim households. The main challenges in family financial management include a lack of transparency and poor communication between family members. Therefore, family asset management can be implemented by maintaining balanced budget allocations, such as for income, needs, desires, education, inheritance, grants, endowments, and emergency funds.
Analisis Faktor-faktor yang Mempengaruhi Minat Mahasiswa UNESA dalam Memilih Berkarir di BUMN Sebelum Masa Wisuda Aulia Siska Puspita Dewi Aulia; Maryam Bte Badrul Munir
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (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.v6i3.5690

Abstract

                The escalating rivalry in the workforce necessitates that the younger generation, particularly students, possess exceptional qualities to thrive. State-Owned Enterprises (SOEs) are increasingly favored by Generation Z for their financial stability and perks; however, student interest is shaped by various aspects, including monetary compensation, certification quality, and the caliber of the MBKM program. Comprehending the determinants that affect UNESA students' inclination towards a career in SOEs prior to graduation is essential for enhancing human resource development in Indonesia. This study to examine the factors that affect the interest of Surabaya State University students in pursuing careers in State-Owned Enterprises prior to graduation. This study evaluates many elements, including financial incentives, certification quality, and the quality of the MBKM program, to ascertain career choices within the SOEs sector. The study employs a quantitative methodology and design. The purposive sampling method identifies the sample, resulting in a sample size of 101 pupils. Researchers gather primary data on a Likert scale ranging from 1 to 5, derived from a questionnaire that constitutes the focus of the study. This study encompasses many assessments, including the research instrument evaluation (validity and reliability), classical assumption testing, multiple linear regression analysis, coefficient of determination assessment, and hypothesis testing (t-test and F-test) utilizing SPSS version 25 software. The results reveals that financial incentives, certification quality, and MBKM quality significantly enhance Unesa students' enthusiasm in pursuing careers in state-owned enterprises (SOEs). The coefficient of determination indicates that 61.5% of the variation in student interest is explicable by the independent variables in the model.
Co-Authors Aulia Siska Puspita Dewi Aulia Clarashinta Canggih Fathor Rozy Alfarisy Fira Nurafini Irwan Adimas Ganda Saputra Moch. Khoirul Anwar Muhammad Esza Maulana Firmanda Mutiara Puspita Harnum Norfhadzilahwati Binti Rahim Sofi Putri Isnani Sri Abidah Suryaningsih Taufik Kukuh Efendi