Article Per Year (5 Year)
p-Index From 2021 - 2026
5.149
P-Index
This Author published in this journals
All Journal Jurnal Manajemen & Keuangan Tazkia Islamic Finance and Business Review J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal Manajemen Strategi dan Aplikasi Bisnis Jurnal Tabarru': Islamic Banking and Finance Ilomata International Journal of Tax and Accounting Al-Muqayyad Jurnal Penelitian Ekonomi Akuntansi (JENSI) Ihtiyath : Jurnal Manajemen Keuangan Syariah Jurnal Samudra Ekonomika AKTUAL Jurnal Ilmu Perbankan dan Keuangan Syariah Jurnal Investasi Islam Etihad: Journal of Islamic Banking and Finance Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Jurnal Riset Perbankan Syariah Velocity: Journal of Sharia Finance and Banking MEUSEURAYA : JURNAL PENGABDIAN MASYARAKAT JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi Jurnal Akuntansi dan Keuangan Islam (JAKIs) Sharef: Journal of Sharia Economics and Finance Tasharruf : Journal of Islamic Economics and Business Seuraya Jurnal Pengabdian Kepada Masyarakat
Zefri Maulana
Fakultas Ekonomi & Bisnis Islam, Institut Agama Islam Negeri Langsa
Religion Arts Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

Published : 43 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 43 Documents
Search

 1   2   3   4   5 
Economic Empowerment with Hydroponic Vegetable Cultivation as a Stunting Prevention Solution Irfan Irfan Nasruddin; Dewi; Zefri Maulana
SEURAYA Jurnal Pengabdian Kepada Masyarakat Vol 2 No 1 (2024): SEURAYA Jurnal Pengabdian Kepada Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research explores economic empowerment and hydroponic vegetable cultivation to prevent stunting in Matang Setui Village. Children showing signs of stunting in the village face a shortage of Supplementary Feeding Program (SFP) from the local health center team. Through collaboration between economic and innovative agricultural aspects, this study aims to improve the quality of life in the community and reduce the incidence of stunting in children. Hydroponics is chosen as an effective agricultural solution for producing quality vegetables without the limitations of traditional methods.The focus of this research is the implementation of economic empowerment programs, including skills training, entrepreneurial guidance, and increased access to economic resources. The introduction of hydroponic vegetable cultivation is also proposed as an innovative solution to enhance food security and nutritional standards in the community. With comprehensive data analysis and evaluation of empowerment impacts, this research aims to provide insights into the positive impact of economic collaboration and hydroponic vegetable cultivation in addressing stunting challenges.
THE INFLUENCE OF GOLD PRICE FLUCTUATIONS, FEAR OF MISSING OUT (FOMO), AND INVESTMENT KNOWLEDGE ON CUSTOMER INTEREST IN THE GOLD INSTALLMENT PRODUCT AT BANK SYARIAH INDONESIA Nanda Chairani; Nurjanah; Zefri Maulana
Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Vol. 8 No. 1 (2026): 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.v8i1.51508

Abstract

Gold is regarded as a stable investment instrument and a haven asset amid economic uncertainty. In line with advancements in digital financial services and the growing preference for Sharia-compliant financial products, Bank Syariah Indonesia (BSI) introduced its Gold Instalment Program as a practical, Sharia-compliant financing facility for gold ownership. However, public interest, particularly among BSI KC Langsa customers, is relatively low. This study examines the effects of Gold Price Fluctuations, Fear of Missing Out (FOMO), and Investment Knowledge on Customer Interest in the BSI Gold Instalment Program. The research was conducted at BSI KC Langsa using a quantitative method and a non-probability convenience sampling technique. A total of 100 respondents were selected using the Slovin formula. The findings indicate that, to some extent, Gold Price Fluctuations significantly influence Customer Interest, whereas FOMO and Investment Knowledge do not. Simultaneously, all three variables significantly influence Customer Interest. This study is expected to provide insights for the public in making investment decisions and for BSI in developing more effective educational and promotional strategies.
The Influence of Sharia Financial Literacy, Religiosity, Financial Self-Efficacy, and Financial Locus of Control as Mediating Effects on the Financial Behavior of Qris Users of Islamic Banks. Hidayatul Fitriani; Zefri Maulana; Tajul Ula; Juli Dwina Puspita Sari
Tazkia Islamic Finance and Business Review Vol. 19 No. 1 (2025): TIFBR
Publisher : Faculty of Islamic Business and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v19i1.389

Abstract

This study aims to analyze the determinants of public interest in the use of QRIS in Sharia Banks with a focus on Langsa City - one of the cities in Aceh which is a province that implements the Islamic financial system. The independent variables tested included promotion, religiosity, education, and financial ability. Shariah financial literacy is considered as an intermediary variable that plays a role in connecting independent variables with dependent variables, namely interest in using QRIS. Considering that literacy and interest in using digital finance in Aceh, especially Langsa City, are still low, this research is important in understanding the factors that affect public interest.This study involved 100 respondents from Langsa City who were randomly taken with a quantity determined through the method of determining the number of Slovin. The analysis method used in this study is the Structural Equation Modeling - Partial Least Squares (SEM-PLS) Method which serves to identify whether the effect of independent variables on dependent variables occurs directly, or through intermediate variables (intermediation). The results of the study show that promotion, religiosity, education, and financial ability significantly affect financial literacy, which then has a positive impact on interest in using QRIS.These findings are expected to help Islamic banking and the government in designing strategies to increase the adoption of digital financial services in Aceh, especially Langsa City.
Comparative Analysis of Selling Prices (CPO) in Indonesia Before and After the United States and China Trade War Mayang Aprilianda; Chahayu Astina; Zefri Maulana
Jurnal Manajemen dan Keuangan Vol 14 No 1 (2025): JURNAL MANAJEMEN DAN KEUANGAN
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmk.v14i1.11566

Abstract

The trade war between the United States and China occurred aniani4d 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.
Organizational Culture Adaptation in Banking Workplaces in the FinTech Era: A Systematic Review of Transformation Strategies Mitra Sami Gultom; Meri Yuliani; Zefri Maulana
Tasharruf : Journal of Islamic Economics and Business Vol. 7 No. 1 (2026): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v7i1.1309

Abstract

The disruption brought by financial technology (FinTech) companies has placed immense pressure on the banking industry to transform its organizational culture in order to remain relevant and competitive. This study aims to identify effective cultural adaptation strategies in the face of a rapidly evolving digital financial ecosystem. Metods a systematic Literature Review (SLR) was conducted by analyzing peer-reviewed journals, banking institution reports, and management literature published within the last ten years. Data were analyzed qualitatively using a triangulation technique across diverse sources. Result eight key dimensions of cultural transformation were identified, encompassing structural shifts toward agile work models, data-driven decision-making, transparent communication, tolerance for innovative failure, user-centric service orientation, supportive leadership, open work environments, and innovation-based reward systems. Conclusion organizational culture transformation is a fundamental prerequisite for successful banking digitalization. Banks that can align local values with modern work practices and build collaborative ecosystems including partnerships with FinTech companies will sustain a lasting competitive advantage in the digital financial era
HUBUNGAN KAUSALITAS GRANGER ANTARA INFLASI DAN PEMBIAYAAN DENGAN DEPOSITO MUDHARABAH BANK SYARIAH DI INDONESIA Maulana, Zefri; Hisan, Khairatun; M. Yahya; Safwandi; Sri Ramadhani
Jurnal Tabarru': Islamic Banking and Finance Vol. 9 No. 1 (2026): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2026.vol9(1).28383

Abstract

Penelitian ini mengkaji pengaruh faktor internal dan eksternal, yaitu pembiayaan dan inflasi, terhadap deposito mudharabah pada perbankan syariah di Indonesia. Minat masyarakat dalam menempatkan dana sebagai simpanan pihak ketiga memiliki peran penting dalam pertumbuhan bank syariah, khususnya melalui produk deposito mudharabah. Penelitian ini menggunakan data sekunder yang diperoleh dari laporan keuangan Bank Umum Syariah (BUS) yang dipublikasikan oleh Otoritas Jasa Keuangan dan Badan Pusat Statistik selama periode 2018–2024. Sampel penelitian terdiri dari lima Bank Umum Syariah. Data dianalisis menggunakan regresi data panel dan analisis kausalitas Granger untuk menguji hubungan.Temuan penelitian menunjukkan bahwa inflasi memiliki pengaruh yang lemah terhadap deposito mudharabah, sedangkan pembiayaan memiliki pengaruh positif yang signifikan. Analisis kausalitas Granger menunjukkan tidak adanya hubungan satu arah maupun dua arah antara inflasi dan deposito mudharabah pada sebagian besar bank. Namun, BCA Syariah dan Mega Syariah menunjukkan adanya hubungan satu arah dengan inflasi. Pembiayaan dan deposito mudharabah juga menunjukkan hubungan satu arah yang terbatas pada beberapa bank. Pembiayaan merupakan faktor penting yang mempengaruhi deposito mudharabah, sedangkan inflasi memiliki dampak yang relatif kecil. Temuan ini mengimplikasikan bahwa bank syariah perlu memperkuat kinerja pembiayaan untuk meningkatkan kepercayaan masyarakat dan pertumbuhan deposito.
Comparative Analysis of the Financial Performance of BPRS Adeco and BPRS Serambi Mekkah in Langsa City (2019–2024) Zefri Maulana; Alfian; Muhammad Ikhwan bin Mauluddin; Nadiya Ulfa
Etihad: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v6i1.13798

Abstract

Introduction: This study compares the financial performance of BPRS Adeco and BPRS Serambi Mekkah during 2019–2024 using ROA, BOPO, NPF, and FDR indicators. The study is important to evaluate the effectiveness and financial health of Islamic rural banks. Research Methods: This research uses a quantitative descriptive comparative approach. Secondary data were collected from the financial reports of both banks and analyzed using financial ratio analysis and the Mann-Whitney U Test with SPSS version 25. Results: The results show significant differences in ROA, BOPO, and FDR (p < 0.05), where BPRS Adeco demonstrates better profitability, operational efficiency, and liquidity management than BPRS Serambi Mekkah. However, there is no significant difference in NPF performance (p > 0.05), indicating similar financing quality between the two banks. Conclusion: BPRS Adeco has better financial performance compared to BPRS Serambi Mekkah. The findings highlight the importance of efficient operations and balanced liquidity management in maintaining the sustainability of Islamic rural banks.
Pengaruh Digitalisasi Perbankan Self Service Technology terhadap Kepuasan Pengguna BSI Zefri Maulana; Rafiza Zuliani; Nasruddin; Nabila Nur Hazizah
Jurnal Riset Perbankan Syariah Volume 5, No. 1, Juli 2026, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v5i1.10302

Abstract

Abstrak. Kemajuan teknologi digital telah mendorong transformasi layanan perbankan syariah melalui penerapan Self Service Technology untuk meningkatkan kemudahan, kecepatan, efisiensi, dan kepuasan nasabah. Namun, masih terdapat kendala seperti keterbatasan literasi digital, gangguan teknis sistem, dan variasi tingkat penerimaan masyarakat. Penelitian ini menjawab research gap terkait minimnya studi empiris yang membandingkan pengaruh Automatic Teller Machine (ATM), Mobile Banking, dan Internet Banking terhadap kepuasan pengguna layanan digital pada Bank Syariah Indonesia di Kota Langsa. Kebaruan penelitian terletak pada pengujian ketiga layanan tersebut secara simultan dan parsial untuk mengidentifikasi kontribusi masing-masing terhadap kepuasan nasabah. Pendekatan kuantitatif dilakukan melalui survei terhadap 100 responden dengan teknik purposive sampling, kuesioner skala Likert, dan analisis regresi linear berganda menggunakan SPSS versi 22. Hasil penelitian menunjukkan bahwa ATM dan Internet Banking berpengaruh positif dan signifikan terhadap kepuasan pengguna, sedangkan Mobile Banking tidak berpengaruh signifikan. Secara simultan, ketiga variabel berkontribusi signifikan terhadap kepuasan nasabah. Temuan ini menjadi landasan empiris bagi Bank Syariah Indonesia dalam mengoptimalkan layanan digital sesuai kebutuhan pengguna lokal.Abstract. Advances in digital technology have encouraged the transformation of Islamic banking services through the implementation of Self Service Technology to improve convenience, speed, efficiency, and customer satisfaction. However, challenges remain, including limited digital literacy, technical system failures, and variations in public acceptance. This study addresses the research gap regarding the limited empirical studies comparing the effects of Automatic Teller Machine (ATM), Mobile Banking, and Internet Banking on the satisfaction of digital service users at Bank Syariah Indonesia in Langsa City. The novelty of this study lies in the simultaneous and partial examination of these services to identify their respective contributions to customer satisfaction. A quantitative approach was employed through a survey of 100 respondents using purposive sampling, Likert-scale questionnaires, and multiple linear regression analysis with SPSS version 22. The results indicate that ATMs and Internet Banking have a positive and significant effect on user satisfaction, whereas Mobile Banking does not. Simultaneously, all three variables contribute significantly to customer satisfaction. These findings provide an empirical basis for Bank Syariah Indonesia to optimize digital services according to local user needs and preferences.
Empowering Fish Cracker MSMEs through E-Branding and a Marketplace-Based Digital Catalog System to Improve Business Performance in Kuala Langsa Alfian; Miftahul Zannah Sihombing; Ayu Prihatina; Cut tinur Jannah; Putri Nurfadhilla; Juli Dwina Puspita Sari; Nanda Safarida; Zefri Maulana; Safwandi; Safwan Kamal; Muhammad Amin; Khalda Hayatul Fazri Muna; Faisal Yahya; Dicky Armanda
SEURAYA Jurnal Pengabdian Kepada Masyarakat Vol 4 No 1 (2026): SEURAYA: Jurnal Pengabdian kepada Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Digital transformation has become a key factor in enhancing the competitiveness of micro, small, and medium enterprises (MSMEs). However, many MSMEs in coastal areas still face challenges in strengthening their brand identity, presenting product information, and utilizing digital marketing channels. Similar challenges were identified among fish cracker MSMEs in Kuala Langsa, Langsa City, which still rely on conventional marketing practices, lack strong branding, and have not fully leveraged product catalogs and marketplaces. This community service program aimed to improve the understanding and readiness of MSME stakeholders to adapt to digital transformation by strengthening e-branding, introducing a digital catalog system, and enhancing literacy regarding the use of marketplaces. The program employed a Participatory Action Research (PAR) approach involving problem identification, action planning, socialization, mentoring, and reflection. Data were collected through observation, interviews, and documentation and analyzed using a qualitative descriptive approach. The results indicate an improvement in participants’ understanding of brand identity, the systematic presentation of product information, and the use of digital media as a marketing support tool. Furthermore, MSME actors demonstrated greater openness toward adopting technology for business development. This program provides an initial foundation for fish cracker MSMEs in Kuala Langsa to improve their readiness to adopt digital marketing gradually and sustainably in order to support more adaptive and competitive business development.
Empowerment of Natural Resources and the Environment as a Livelihood for Rural Communities Alfian Muhammad; Muhammad Amin; Safwan Kamal; Zubir; Safwandi; Zefri Maulana
SEURAYA Jurnal Pengabdian Kepada Masyarakat Vol 1 No 2 (2023): SEURAYA: Jurnal Pengabdian kepada Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The aim of this service is to examine community empowerment efforts in optimizing the potential of natural resources and the environment as a source of livelihood, as well as exploring the role of women in the production process and management of natural resources and the environment as a livelihood for rural communities. The location of this service is in Afdeling II Bukit Village, Birem Bayeun District, East Aceh Regency. The problems that occur in Afdeling II Bukit Village are the lack of community awareness of the importance of diversifying livelihoods to reduce dependence on a single sector, the lack of innovation in the production of local products that can provide added value and contribute to the competitiveness of the local economy, and then, the lack of concern for resource conservation. nature and the environment in achieving sustainable and inclusive development in Afdeling II Bukit Village. Support from the government and various parties is highly expected to continue to encourage and develop initiatives to achieve better progress for the community and environment of Afdeling II Bukit Village.
Co-Authors 'Ula, Tajul Abrar Amri Alfian Alfian Alfian Muhammad ANDRINI, ROZI Anis Kurlillah Annisa Putri, Rifka Ayang Fhonna Safa Ayu Prihatina Azi Wiranda Bin Mauluddin, Muhammad Ikhwan Chahayu Astina Chairani, Debi Chan, Beby Fadillah Cut tinur Jannah Dewi Dicky Armanda Faisal Yahya FW Pospos, Ade Fadillah Hafiza, Aulia Hidayatul Fitriani Hisan, Khairatun Idris, Muhammad Nu'man Irfan Irfan Nasruddin Iskandar Budiman Ismahani, Nur Isra Maulina Isra Maulina Juli Dwina Puspita Sari Juli Dwina Puspita Sari Kamal, Safwan Khairatun Hisan Khalda Hayatul Fazri Muna Lubis, Nasrul Kahfi M. Yahya M. Yahya Mastura Mastura Mastura, Mastura Mauliani, Adjeng Mayang Aprilianda Meri Yuliani Midesia, Shelly Miftahul Zannah Sihombing Mirza, Rinda Mitra Sami Gultom Muhammad Amin Muhammad Amin Muhammad Ikhwan bin Mauluddin Munadiati Nabila Nur Hazizah Nadiya Ulfa Nanda Chairani Nanda Safarida Nasruddin Nur Kumalahayati Nurhaliza Nurjanah Nurjannah Nurjannah Putri Nurfadhilla Ramayani Ramayani Riyandi Saputra Sabri, Hatta Safarida, Nanda Safwan Kamal Safwan Kamal Safwan Kamal Safwandi Safwandi Safwandi Sakya, Nailul Sri Ramadhani Sufrizal Sufrizal Sumarni, Mutia Tajul 'Ula Tajul Ula Tajul Ula Tajul ‘Ula, Tajul Turahmah, Afifa Ula, Tajul Ulya, Zikriatul Virna, Marlinda Intan Zubir Zuliani, Rafiza