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<![CDATA[Pengaruh kebijakan hutang dan kebijakan dividen terhadap nilai perusahaan yang tercatat pada Indeks LQ 45 Bursa Efek Indonesia Periode 2015-2019 ]]>
<![CDATA[Chan, Beby Fadillah]]>;
<![CDATA[Maulana, Zefri]]>;
<![CDATA[Kamal, Safwan]]>
<![CDATA[ Jurnal Investasi Islam Vol 7 No 1 (2022): Jurnal Investasi Islam ]]>
Publisher : <![CDATA[FEBI IAIN Langsa ]]>
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DOI: 10.32505/jii.v7i1.4387
<![CDATA[This study aims to determine the effect of debt policy (DER) and dividend policy (DPR) partially and simultaneously on firm value (PBV) listed on the LQ 45 index of the Indonesian stock exchange for the 2015-2019 period. The data used is secondary data, based on financial statements on the Indonesian stock exchange. The data analysis in this study is multiple regression analysis, using normality test, multicollinearity, heteroscedasticity test, t test, f test, and coefficient of determination test through SPSS. The results of this study indicate that partially debt policy has no effect on firm value with a t value of -0.389 with a significance of 0.698 > 0.5 (0.000 < 0.05), dividend policy proxied by the DPR has a positive and significant effect on firm value. proxied by PBV with a t-count value of 3.343 and a significance <0.05. Meanwhile, simultaneous hypothesis testing has a positive and significant effect on firm value, this is indicated by the calculated F value of 5.825 and a significance value of 0.04 which is <0.05. The value of R2 in this study is 0.070, this indicates that the firm value is influenced by debt policy and dividend policy by 7% while the remaining 93% is influenced by variables outside this study.]]>
<![CDATA[Analisis Kinerja Keuangan Bank BNI Dan Bank Muamalat Sebelum Dan Selama Pandemi Covid-19 ]]>
<![CDATA[Virna, Marlinda Intan]]>;
<![CDATA[Maulana, Zefri]]>;
<![CDATA[Tajul ‘Ula, Tajul]]>;
<![CDATA[Andrini, Rozi]]>
<![CDATA[ JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi Vol. 2 No. 2 (2024): JAAMTER - JUNI ]]>
Publisher : <![CDATA[MUI Kota Pekanbaru ]]>
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DOI: 10.5281/zenodo.12607904
<![CDATA[The coronavirus pandemic means the banking sector cannot freely distribute credit. This is due to the increasing risk of failure to pay creditors because the majority of people, both individuals and companies, tend to experience a decrease in income during the Corona virus pandemic. This research aims to compare differences in the performance developments of Bank BNI and Bank Muamalat in several months in the period before and during the Covid-19 pandemic. This research is quantitative research. The population and sample in this research are Bank Muamalat and Bank BNI which have annual financial reports and quarterly reports that have been officially published and the samples used are 26 samples in the 2017-2023 period. The data collection technique used is secondary data. The data analysis technique used is a parametric test, non-parametric analysis. The research results show that in terms of financial performance ratios ROA, LDR and BOPO, BNI bank has superior performance compared to Muamalat bank both before and during Covid-19. Different from the CAR ratio, Bank Muamalat has sufficient capital to accommodate the risk of loss better than Bank BNI. Furthermore, regarding the NPL ratio, both before and during Covid-19, Muamalat Bank had a higher risk of credit problems compared to BNI Bank.]]>
<![CDATA[Pengaruh Literasi Keuangan Syariah terhadap Persepsi dan Minat Menabung Masyarakat Non Muslim pada Bank Syariah ]]>
<![CDATA[Turahmah, Afifa]]>;
<![CDATA[Maulana, Zefri]]>;
<![CDATA[Ula, Tajul]]>
<![CDATA[ AL-Muqayyad Vol. 7 No. 1 (2024): Al-Muqayyad ]]>
Publisher : <![CDATA[STAI Auliaurrasyidin Tembilahan ]]>
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DOI: 10.46963/jam.v7i1.1894
<![CDATA[The interest in saving for non-Muslims is still relatively low in Langsa City due to several influencing factors. This research aims to analyze the influence of sharia financial literacy on the perception and interest in saving of non-Muslim communities at Sharia Banks in Langsa City. The sampling technique in this research used purposive sampling involving 40 respondents. The data analysis method used in this research is Structural Equation Modeling (SEM) with a variance-based approach or component-based structural equation modeling with path analysis. The research results reveal that the variables of Sharia Financial Literacy and perception have a positive effect on Interest in Saving. Apart from that, the perception variable also acts as a mediating variable between the influence of Sharia Financial Literacy on Interest in Saving. The implications of this research reveal that it is important to involve non-Muslims in education programs and sharia financial literacy campaigns to change the non-Muslim community's perception of sharia banks in a positive direction and attract more non-Muslim customers to use sharia banking services.]]>
<![CDATA[Berkah Finansial: Tantangan dan Implementasi Perencanaan Keuangan Syariah Generasi Z Kota Langsa ]]>
<![CDATA[Mirza, Rinda]]>;
<![CDATA[Hisan, Khairatun]]>;
<![CDATA[Maulana, Zefri]]>
<![CDATA[ IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 2 (2024): Vol. 8 No.2 Desember 2024 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam ]]>
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DOI: 10.32505/ihtiyath.v8i2.9550
<![CDATA[This study aims to identify the challenges faced by Generation Z in Langsa City in adopting sharia financial planning. Although sharia financial planning offers many benefits, many of them have difficulty understanding and implementing sharia financial principles effectively. This study uses a field research method with a descriptive qualitative approach, involving five informants from Generation Z selected through the Snowball Sampling technique. Primary data were obtained through direct interviews, while secondary data came from literature studies. Key findings indicate variations in the understanding and implementation of sharia financial planning, where some informants have implemented planning systematically, while others are more spontaneous and less organized. The main obstacles faced include a lack of in-depth understanding of sharia principles, as well as the influence of a consumptive lifestyle that hinders the implementation of sharia principles such as the prohibition of usury, gharar, and maysir. This study emphasizes the importance of sharia financial education and literacy to improve financial management in accordance with sharia principles among Generation Z.]]>
<![CDATA[Pendampingan dan Pelatihan Santri Mengajar pada Balai Pengajian Al-Hidayah Desa Sukarejo Langsa Timur ]]>
<![CDATA[Sabri, Hatta]]>;
<![CDATA[Idris, Muhammad Nu'man]]>;
<![CDATA[Maulana, Zefri]]>
<![CDATA[ MEUSEURAYA - Jurnal Pengabdian Masyarakat Vol.2 No.1 (Juni 2023) ]]>
Publisher : <![CDATA[Pusat Penelitian dan Pengabdian Kepada Masyarakat STAIN Teungku Dirundeng Meulaboh ]]>
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DOI: 10.47498/meuseuraya.v2i1.1745
<![CDATA[Di antara bentuk pengabdian kepada masyarakat ialah memberikan pelayanan berupa pendidikan baik non formal maupun informal. Salah satu lembaga informal di bidang pendidikan agama yang marak di masyarakat adalah Taman Pendidikan al-Quran. Tulisan ini merupakan hasil laporan dari kegiatan pengabdian berupa pendampingan di Balai Pengajian Al-Hidayah yang berlokasi di Desa Sukarejo Kecamatan Langsa Timur, Kota Langsa Provinsi Aceh. Metode yang diterapkan dalam kegiatan ini berupa metode pelatihan dan pemodelan, yaitu melatih para santri mengajar dan menganalisa kesalahan bacaan santri lainnya dengan memberikan model bacaan yang benar. Hasil dari kegiatan pengabdian menunjukkan bahwa pemberdayaan yang dilakukan di Balai Pengajian Al-Hidayah terdiri dari pemberdayaan siswa dan pemberdayaan Orang Tua.]]>
<![CDATA[Comparative Analysis of Bank Muamalat's Profitability in Implementing Fintech ]]>
<![CDATA[Maulana, Zefri]]>;
<![CDATA[Annisa Putri, Rifka]]>;
<![CDATA[Sumarni, Mutia]]>;
<![CDATA[Bin Mauluddin, Muhammad Ikhwan]]>
<![CDATA[ Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 2 (2024) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu ]]>
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DOI: 10.24239/jipsya.v6i2.279.127-248
<![CDATA[Technological innovation has become the basis of information in the financial services industry, currently many new technologies are ready to drive the next wave of financial services innovation, one of which is financial industry innovation in the form of financial technology or fintech. The fintech industry emerged due to various constraints of banking and other financial institutions. The economic development of a country is strongly supported by the banking sector. The profitability of Bank Muamalat Indonesia is a benchmark in the banking world to determine the extent to which the bank has achieved its goal, namely obtaining good profits to increase bank profits. The aim of this research is to analyze the comparison of Bank Muamalat Indonesia before and after collaborating with fintech. The method used in this research is a quantitative method with the data source used from the annual financial report of Bank Muamalat Indonesia for the period 2006-2023. This research uses secondary data analysis using the normality test method, paired sample t-test for normally distributed data and the Wilcoxon signed test for data that is not normally distributed. The research results obtained show that at Bank Muamalat Indonesia the variables ROA, ROE, BOPO, GPM have a negative and significant effect after collaborating with fintech during the 2006-2023 period and the NIM and NPM variables have a positive and significant effect. This indicates that Bank Muamalat Indonesia's financial condition is experiencing income instability even though it has collaborated with fintech]]>
<![CDATA[PENGARUH MERGER, RELIGIUSITAS DAN KUALITAS PELAYANAN TERHADAP SWITCHING BEHAVIOR NASABAH DILUAR PENGGUNA BANK SYARIAH INDONESIA DI KOTA LANGSA ]]>
<![CDATA[Chairani, Debi]]>;
<![CDATA[Maulana, Zefri]]>;
<![CDATA['Ula, Tajul]]>
<![CDATA[ Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 2 (2024): Jurnal Tabarru' : Islamic Banking and Finance ]]>
Publisher : <![CDATA[Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR) ]]>
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DOI: 10.25299/jtb.2024.vol7(2).18033
<![CDATA[Permasalahan yang terjadi terkait dengan Bank Syariah Indonesia dimana adanya merger dari 3 Bank Syariah belum mampu membuat seluruh masyarakat Kota Langsa beralih menggunakan BSI, hal tersebut dikarenakan BSI masih sering terjadi kendala-kendala yang membuat masyarakat masih bingung untuk menggunakan BSI. Penelitian ini bertujuan untuk mengetahui hubungan antara variabel merger, religiusitas dan kualitas pelayanan terhadap switching behavior nasabah diluar pengguna BSI Kota Langsa. Responden dalam penelitian ini adalah 100 masyarakat yang bukan nasabah dari BSI. Hasil penelitian menunjukkan merger yang dilakukan BSI bertujuan untuk memperkuat permodalan sehingga nasabah merasa percaya terhadap Bank Syariah Indonesia. Religiusitas memiliki pengaruh yang positif dan signifikan terhadap switching behavior nasabah diluar BSI. Kualitas pelayanan memiliki pengaruh yang positif dan signifikan terhadap switching behavior nasabah diluar BSI, artinya BSI telah memberikan pelayanan terbaik dengan mempekerjakan karyawan-karyawan yang memiliki skill dan kemampuan dalam melayani masayarakat sehingga terjadilah switching behavior dari nasabah yang berada di luar BSI.]]>
<![CDATA[Financial Inclusion Through E-Wallets: A Besitang Case Study On Promotions, Brand Image And Purchase Behavior ]]>
<![CDATA[Kurlillah, Anis]]>;
<![CDATA[Munadiati, Munadiati]]>;
<![CDATA[Safarida, Nanda]]>;
<![CDATA[Maulana, Zefri]]>;
<![CDATA[Hafiza, Aulia]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol, 9 No 2 (2024) ]]>
Publisher : <![CDATA[IAIN Langsa ]]>
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DOI: 10.32505/j-ebis.v9i2.9897
<![CDATA[This study explores how e-wallets promote financial inclusion in Besitang, a non-metropolitan Indonesian city. We investigate the influence of features, promotions, and brand image on e-wallet purchasing decisions. A quantitative survey targeting 100 smartphone-owning workers and students was conducted. Analysis revealed that all three factors (features, promotions, and brand image) have a significant positive impact on e-wallet usage (p < 0.05). Together, they explain 80.7% of the variation in purchasing decisions, highlighting their crucial role in e-wallet adoption. These findings emphasize the importance of e-wallet providers implementing innovative features, attractive promotions, and a strong brand image to drive financial inclusion in non-metropolitan areas. The study offers valuable insights for e-wallet companies and opens avenues for further research on e-wallet adoption drivers.]]>
<![CDATA[Keuangan Syariah Bertransformasi: Literasi dan Inklusi Digital untuk Memerangi Jebakan Pinjaman Online Ilegal ]]>
<![CDATA[Ismahani, Nur]]>;
<![CDATA[FW Pospos, Ade Fadillah]]>;
<![CDATA[Maulana, Zefri]]>
<![CDATA[ Jurnal Akuntansi dan Keuangan Islam Vol 13, No 1 (2025) ]]>
Publisher : <![CDATA[SEKOLAH TINGGI EKONOMI ISLAM SEBI ]]>
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DOI: 10.61111/jakis.v13i1.875
<![CDATA[The purpose of this study is to analyze the role of financial literacy and digital financial inclusion in reducing the risk of individual involvement in illegal online loans. The research method used is qualitative. Data were collected through surveys, literature reviews, and in-depth interviews with 12 informants. The study's results found that understanding digital financial literacy and Islamic financial principles contributed to increasing awareness of the risks of illegal online loans. In addition, digital financial inclusion offers wider access to safe and transparent financial services. The limitation of the study is the limited scope of informants. Further research is expected to use mixed methods to obtain more comprehensive results.Studi ini bertujuan untuk menganalisis peran literasi keuangan dan inklusi keuangan digital dalam mengurangi risiko keterlibatan individu dalam pinjaman online ilegal. Penelitian ini menggunakan pendekatan kualitatif dengan data yang dikumpulkan melalui survei, tinjauan literatur dan wawancara mendalam terhadap 12 informan. Temuan penelitian menunjukkan bahwa pemahaman terhadap literasi keuangan digital dan prinsip-prinsip keuangan syariah berkontribusi dalam meningkatkan kesadaran individu terhadap risiko pinjaman online ilegal. Selain itu, inklusi keuangan digital memberikan akses yang lebih luas terhadap layanan keuangan yang aman dan transparan. Namun, penelitian ini masih memiliki keterbatasan dalam cakupan sampel yang terbatas dan kurangnya data kuantitatif untuk mendukung temuan kualitatif. Oleh karena itu, penelitian selanjutnya disarankan untuk mangadopsi pendekatan metode campuran dengan melibatkan lebih banyak sampel dan baragam guna memperoleh hasil yang lebih komprehensif.]]>
<![CDATA[Comparative Analysis of Selling Prices (CPO) in Indonesia Before and After the United States and China Trade War ]]>
<![CDATA[Aprilianda, Mayang]]>;
<![CDATA[Astina, Chahayu]]>;
<![CDATA[Maulana, Zefri]]>
<![CDATA[ Jurnal Manajemen dan Keuangan Vol 14 No 1 (2025): JURNAL MANAJEMEN DAN KEUANGAN ]]>
Publisher : <![CDATA[Program Studi Manajemen Fakultas Ekonomi Universitas Samudra ]]>
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DOI: 10.33059/jmk.v14i1.11566
<![CDATA[The trade war between the United States and China occurred because both countries implemented protectionist policies, which led to increased import tariffs on each other’s products. The purpose of this study is to analyze the differences in the selling price of Crude Palm Oil (CPO) in Indonesia before and after the trade war between the United States and China. This comparative study aims to examine two groups of variables across different periods. It employs a quantitative approach using secondary data, specifically the selling prices of CPO in Indonesia from January 2013 to December 2024. Data were collected through documentation and literature review. Based on the wilcoxon, the Sig. (2-tailed) value is 0.001, which is less than 0.05, indicating a significant difference in the selling price of CPO in Indonesia before and after the trade war.]]>
