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ANALISIS RASIO KEUANGAN UNTUK MENGUKUR KINERJA KEUANGAN PEMERINTAH DAERAH PENERIMA DANA OTONOMI KHUSUS (Studi Kasus Pada Kabupaten/Kota Se-Provinsi Papua 2017-2021) Hertin Khalifatun Nisa Arifah; Nurul Hidayat; Samsul Arifin
Kompetensi (Competence : Journal of Management Studies) Vol 17, No 1 (2023): April
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/kompetensi.v17i1.19434

ABSTRACTThis study aims to analyze the financial performance of districts/cities throughout Papua Province in 2017-2021. Financial performance is seen from the ratio of independence, effectiveness, efficiency and growth. This research is a type of quantitative research. The sample in this study is reports on the realization of district/municipality budgets throughout the Papua Province, totaling 29 districts/cities. The data used in this study is secondary data, namely from reports on the realization of district/city budgets throughout the Province of Papua which are calculated using the analysis method of the ratio of independence, the ratio of effectiveness, the ratio of efficiency and the ratio of growth. The results of this study indicate that the ratio of independence in the last five years is very low with a high level of dependence on external parties, the ratio of effectiveness is very high, the ratio of efficiency shows that PAD is not efficient in collecting PAD, the ratio of growth shows a fluctuating trend.Keywords: Local government, financial performance, financial ratios (independence ratio, effectiveness ratio, efficiency ratio and growth ratio). ABSTRAKTujuan dari penelitian ini adalah untuk mengukur kinerja keuangan daerah Kabupaten/Kota se-Provinsi Papua pada tahun 2017-2021. Kinerja Keuangan dilihat dari rasio kemandirian, efektivitas, efisiensi dan Pertumbuhan. Penelitian ini merupakan jenis penelitian kuantitatif. Sampel pada penelitian ini ialah laporan realisasi APBD Kabupaten/Kota Se-Provinsi Papua yang berjumlah 29 Kabupaten/Kota. Data yang digunakan dalam penelitian ini adalah data sekunder yaitu dari laporan realisasi APBD Kabupaten/Kota se-Provinsi Papua yang dihitung menggunakan metode analisis rasio kemandirian, rasio efektifitas, rasio efisiensi dan rasio pertumbuhan. Hasil penelitian ini menunjukkan bahwa rasio kemandirian pada lima tahun terakhir sangat rendah dengan tingkat ketergantungan terhadap pihak eksternal masih tinggi, rasio efektivitas sangat tinggi, rasio efisiensi menunjukkan dalam pemungutan PAD tidak efisien, rasio Pertumbuhan menunjukkan tren fluktuatif.Kata Kunci : Pemerintah daerah, Kinerja keuangan, Rasio Keuangan (Rasio Kemandirian, Rasio Efektivitas, Rasio Efisiensi dan Rasio Pertumbuhan.

DETERMINAN PRODUKSI TEMBAKAU PADA LAHAN TEGAL DAN LAHAN GUNUNG DALAM PRESPEKTIF EKONOMI ISLAM (Studi Kasus Di Kecamatan Batumarmar Kabupaten Pamekasan) Nurul Hidayat; Hertin Khalifatun Nisa Arifah; Kusnul Ciptanila Yuni K; Athi’ Hidayati
JURNAL ILMIAH EDUNOMIKA Vol 7, No 2 (2023): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v7i2.8576

This study aims to determine the determinants of tobacco production on upland and mountain lands in the perspective of Islamic economics in Batumarmar District, Pamekasan Regency. In the partial tegal tobacco production regression model, the variable number of seeds has a significant effect on tobacco production. While the variables of land area, amount of fertilizers, pesticides, and labor do not have a significant effect on tobacco production. Then, the results of research on the regression model of tobacco production in mountain areas show that partially the variables of land area, number of seeds, and labor have a significant effect on tobacco production. While the variable amount of fertilizers and pesticides has no significant effect on tobacco production. However, when viewed simultaneously the variables of land area, number of seeds, amount of fertilizers, pesticides, and labor have a significant effect on tobacco production both on upland and mountain lands. Production in the perspective of Islamic economics is producing goods and services that are lawful, do not destroy nature, improve spiritual, mental and physical qualities in a fair way.

Pelatihan dan Pendampingan Pencatatan Laporan Keuangan Menggunakan Aplikasi Sepran pada Pelaku Usaha UMKM Batik Tulis Safira di Pakandangan Barat Hertin Khalifatun Nisa Arifah; Jannatul Firdaus; Any Sani’atin; Ediawan Ediawan; Hanifah Fauziyah; Nurul Hidayat
Jurnal Kemitraan Masyarakat Vol. 1 No. 4 (2024): Desember: Jurnal Kemitraan Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/jkm.v1i4.792

Financial statements are a regularly arranged collection of data that shows a company's financial position at a specific point in time. One of the challenges is the limited knowledge about preparing financial statements using digital finance applications. The primary objective of this community service activity is to train and disseminate information about the importance of digital financial reporting. The research aims to educate Safira batik SMEs about digital financial statements. Socialization and training methods were used in this study. The findings showed that before the training, only 20% were aware of financial statements but did not know about digital financial statements; however, after the training, their knowledge increased by 80%. Before the training, 10% only knew how to record financial statements but had not recorded financial statements using a digital finance application; however, after the training, their knowledge increased by 90%.

The Influence of Financial Knowledge and Islamic Behavior on Students' Interest in Sharia Investment Yuni K, Kusnul Ciptanila; Wahyudi, M. Adi Trisna; Musfiroh, Anita; Ali, Mohammad Haidar; Hidayat, Nurul; Dardiri, Masyhudan
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.21717

This research explores the impact of financial knowledge and Islamic Behavior on students' investment interests in Islamic capital markets. The quantitative research method uses a questionnaire distributed online to students of the class of 2019-2023 at Hashim Ashari University's Faculty of Economics, with up to 80 participants participating. The study revealed that students' investment interest in the Islamic capital market is not significantly influenced by their financial knowledge but rather by the impact of their Islamic Behavior. This was demonstrated through an analysis. At the same time, financial expertise and Islamic Behavior influence students' interest in investing in Islamic capital markets. This finding is essential for understanding what drives business students' interest in investing in Islamic capital markets and how this affects the development of financial education programs and academic Behavior toward Islamic finance. The results of this study are intended to help develop more effective educational and promotional strategies to increase students' interest in investing in Islamic capital markets.

Pengaruh Profitabilitas dan Skala Usaha terhadap Nilai Perusahaan Sektor Perbankan di Indonesia Nurul Hidayat; As’adi Khas; Buhairi Buhairi; Nur Diana Khalida; Rahmat Zulkarnain; Wakik Wakik
JIOSE: Journal of Indonesian Sharia Economics Vol 5 No 1 (2026): Maret 2026
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v5i1.1876

This study analyzes the effect of profitability and firm size on firm value in the banking sector in Indonesia, and evaluates its implications for the stability of the national financial system. Profitability is measured using Return on Assets (ROA), while firm size is proxied by the natural logarithm of total assets. Firm value is measured using Price to Book Value (PBV). The data were obtained from 43 banks listed on the Indonesia Stock Exchange (IDX) in 2024, selected using a purposive sampling method, and analyzed using multiple linear regression. The results show that profitability has a positive and significant effect on firm value, indicating that strong financial performance enhances investor perception and strengthens corporate resilience. In contrast, firm size has a negative and insignificant effect, which may reflect potential inefficiencies in large-scale banks. Simultaneously, both variables have a significant effect on firm value, although the model explains only 18.06% of the variation in firm value. These findings underscore the importance of strengthening profitability as the primary foundation of firm value in the banking sector.

EMPLOYEE PERFORMANCE TRANSFORMATION THROUGH COMPETENCE AND WORK ENVIRONMENT: THE MEDIATING ROLE OF WORK COMMITMENT AMONG SUMENEP REGENCY DPRD EMPLOYEES Hertin Khalifatun Nisa Arifah; Muhlisin; Nurul Hidayat; Jannatul Firdaus; Hanifah Fauziyah; Syamsul Rizal; As'adi Khas
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.805

This study aims to examine the effect of competence and work environment on employee performance with work commitment as a mediating variable at the Secretariat of the Regional House of Representatives (DPRD) of Sumenep Regency. The research employs a quantitative approach using Structural Equation Modeling (SEM) and SmartPLS analysis based on questionnaire data collected from employees. The findings indicate that competence does not significantly affect employee performance, while the work environment has a positive and significant effect. Work commitment also influences performance, but the negative relationship suggests that some employees work out of obligation rather than emotional attachment to the organization. Furthermore, competence and work environment affect work commitment, which acts as a mediating variable. The study concludes that improving employee performance requires not only strengthening technical competence but also fostering a supportive work environment and affective commitment. Therefore, the Secretariat of DPRD Sumenep is recommended to develop a more open work system, provide performance-based recognition, and create a comfortable and collaborative work environment.

The Role of Competitive Advantage in Mediating the Influence of Business Strategy and Traditional Work Ethic on Entrepreneurial Performance at Warung Madura Grocery Store in Surabaya Dedy Ahmadi; Nurul Hidayat; Ainorrofiqie; Fuji Santoso; Moh Naufal Abror
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.915

Study This is studies causal with approach quantitative purposeful for test influence strategy business and ethos Work traditional to performance entrepreneurship, as well as role superiority compete as variables mediation in the store grocery store Madura stalls in Surabaya City. Population in study This covers 980 stores grocery store Madura stalls are spread across 14 sub-districts in Surabaya, with amount sample A total of 250 respondents were selected use purposive sampling technique. Research results show that strategy business and ethos Work traditional influential significant to performance entrepreneurship, good in a way direct and no direct through superiority compete. Strategy effective business, such as differentiation product, efficiency costs, and market focus, as well as values ethos Work traditional like honesty, perseverance, and responsibility answer, proven support achievement superiority compete. Advantages compete play a role as a mediator that strengthens influence second variables to performance entrepreneurship. Findings This confirm importance strengthening strategy business and values ethos Work traditional in increase Power competitiveness and performance business shop grocery store Madurese food stall in Surabaya.

Exploration Utilization of Chatbots Based Artificial Intelligence in Digital Marketing for Snack SMEs Traditional Typical of Sumenep – Madura Fausi Arifin; Nurul Hidayat; Hairul Rahman; Moh Sofwan Kastir Al Aziz; Khairil Anwar; Buhairi
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.918

Study This explore utilization chatbot based Artificial Intelligence (AI) in digital marketing in snack SMEs typical Sumenep Madura which has start adopt technology the However Not yet optimize its use . Through approach qualitative with technique interviews , observations , and documentation , as well as data analysis using NVivo 15 , research This find that chatbot utilized For respond consumer through social media and e-commerce platforms , but its function Still limited to services basis . MSME actors feel a number of benefit like efficiency time , increase speed response , and convenience service customers , but faced with obstacles in the form of low digital literacy , limitations device , instability network , as well as various problem technical aspects of chatbots . In addition , concerns related costs , needs adaptation technology and resistance to change participate influence optimization utilization Chatbot . Consumers and employees hope chatbot features capable give recommendation more personal and interactive products , while MSMEs require integration more systems flexible and appropriate with context local . With thus , chatbot based AI own potential significant For strengthening the digital marketing strategy of snack MSMEs typical Sumenep Madura, however required improvement digital literacy , support more technology adaptive , as well as development aligned features with characteristics business small in area the .

EMPLOYEE PERFORMANCE TRANSFORMATION THROUGH COMPETENCE AND WORK ENVIRONMENT: THE MEDIATING ROLE OF WORK COMMITMENT AMONG SUMENEP REGENCY DPRD EMPLOYEES Hertin Khalifatun Nisa Arifah; Muhlisin; Nurul Hidayat; Jannatul Firdaus; Hanifah Fauziyah; Syamsul Rizal; As'adi Khas
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.805

This study aims to examine the effect of competence and work environment on employee performance with work commitment as a mediating variable at the Secretariat of the Regional House of Representatives (DPRD) of Sumenep Regency. The research employs a quantitative approach using Structural Equation Modeling (SEM) and SmartPLS analysis based on questionnaire data collected from employees. The findings indicate that competence does not significantly affect employee performance, while the work environment has a positive and significant effect. Work commitment also influences performance, but the negative relationship suggests that some employees work out of obligation rather than emotional attachment to the organization. Furthermore, competence and work environment affect work commitment, which acts as a mediating variable. The study concludes that improving employee performance requires not only strengthening technical competence but also fostering a supportive work environment and affective commitment. Therefore, the Secretariat of DPRD Sumenep is recommended to develop a more open work system, provide performance-based recognition, and create a comfortable and collaborative work environment.

The Role of Competitive Advantage in Mediating the Influence of Business Strategy and Traditional Work Ethic on Entrepreneurial Performance at Warung Madura Grocery Store in Surabaya Dedy Ahmadi; Nurul Hidayat; Ainorrofiqie; Fuji Santoso; Moh Naufal Abror
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.915

Study This is studies causal with approach quantitative purposeful for test influence strategy business and ethos Work traditional to performance entrepreneurship, as well as role superiority compete as variables mediation in the store grocery store Madura stalls in Surabaya City. Population in study This covers 980 stores grocery store Madura stalls are spread across 14 sub-districts in Surabaya, with amount sample A total of 250 respondents were selected use purposive sampling technique. Research results show that strategy business and ethos Work traditional influential significant to performance entrepreneurship, good in a way direct and no direct through superiority compete. Strategy effective business, such as differentiation product, efficiency costs, and market focus, as well as values ethos Work traditional like honesty, perseverance, and responsibility answer, proven support achievement superiority compete. Advantages compete play a role as a mediator that strengthens influence second variables to performance entrepreneurship. Findings This confirm importance strengthening strategy business and values ethos Work traditional in increase Power competitiveness and performance business shop grocery store Madurese food stall in Surabaya.

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