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All Journal International Journal of Reconfigurable and Embedded Systems (IJRES) MUQTASID Jurnal Fisika FLUX J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal At-Tibyan: Jurnal Ilmu Alqur’an dan Tafsir Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik Khatulistiwa: Journal of Islamic Studies Jurnal Pendidikan Fisika dan Teknologi At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Bisnis Dan Kajian Strategi Manajemen Ihtiyath : Jurnal Manajemen Keuangan Syariah Humanism : Jurnal Pengabdian Masyarakat Plusminus: Jurnal Pendidikan Matematika INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE JIMEBIS El-Qish: Journal of Islamic Economics Jurnal Pengabdian Ilung (Inovasi Lahan Basah Unggul) Asian Journal of Community Services (AJCS) International Journal of Community Service (IJCS) EKOBIS SYARIAH Eastasouth Journal of Effective Community Services Eastasouth Journal of Positive Community Services Current Biomedicine UPMI Proceeding Series Journal Jurnal Natural Scientiae International Conference on Islamic Economic Jurnal Keuangan dan Perbankan Syariah Al-Aflah ASNAF Journal of Islamic Law El Madani PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) International Journal of Kita Kreatif Jurnal Pengabdian Bakti Akademisi LANCAH Jurnal Inovasi dan Tren Risalah Iqtisadiyah: Journal of Sharia Economics
Nurma Sari, Nurma
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IMPACT OF INTERNAL AND EXTERNAL FACTORS ON ISLAMIC BANKING MARKET SHARE IN INDONESIA Yulia, Yulia; Sari, Nurma; Luthfi Fuadah, Evi Khadijah; Che Wae, Husnee; Kadir Jailani, Abdul
Khatulistiwa Vol 14, No 2 (2024)
Publisher : The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/khatulistiwa.v14i2.3175

Abstract

This study examines the influence of internal and external factors on the market share of Islamic banking in Indonesia during the period from 2011 to 2019. Internal factors consist of the number of Islamic Banks, while external factors consist of Bank Indonesia’s (BI) interest rates, inflation, and GDP. During the observation period, the data was normally distributed, with no heteroscedasticity or autocorrelation detected. However, due to multicollinearity, a stepwise regression test was conducted, resulting in the exclusion of the variables Number of Islamic Banks, CAR, and NPF.The findings of this study indicate that GDP has a negative and significant effect on the market share of Islamic banking in Indonesia, BI interest rate have a negative and significant effect on the market share of Islamic banking in the country, meanwhile inflation has a positive and significant effect on the market share if Islamic banking in Indonesia. The conducted study is consistent with Indonesia’s economic growth data from 2011 to 2019, which showed a decline compared to previous years. Therefore, Islamic banks should be cautious about external factors, as they have significant impact on the market share of Islamic banks in Indonesia.
The Influence of Islamic Branding, Online Customer Reviews, and Tagline on Online Purchase Decisions on Shopee Salpina, Parjah; Umuri, Khairil; Halim, Hendra; Sari, Nurma
EKOBIS SYARIAH Vol 8, No 2 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i2.23807

Abstract

This research aims to analyze the influence of Islamic branding, online customer reviews and tagline on online purchasing decisions at Shopee by students in Banda Aceh City. The data used is primary data obtained from questionnaires distributed to 160 respondents, students who use Shopee ecommerce in Banda Aceh City. This research used a quantitative approach. The sampling technique uses purposive sampling techniques and is determined by the Hair formula. Technical data analysis using multiple linear regression with the SPSS. The results of this study indicate that the variables of Islamic branding, online customer review, and tagline have a positive and significant effect on online purchasing decisions at Shopee. Simultaneous testing found that the variables of Islamic branding, online customer review, and tagline have an effect on online purchasing decisions at Shopee
Increasing Students' Awareness Of The Dangers Of Online Loans And Online Gambling Through Education And Socialization umuri, Khairil; Gunawan, Eddy; Sari, Nurma; Amri, Amri; Syahriyal, Syahriyal; Afandi ZT, Fitrah; Muftahuddin, Muftahuddin
Jurnal Pengabdian Bakti Akademisi Vol 1, No 3 (2024): Jurnal Pengabdian Bakti Akademisi
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jpba.v1i3.40924

Abstract

The development of digital technology has brought various benefits, but it also poses significant risks to the well-being of individuals, especially the younger generation. The phenomenon of online loans and online gambling poses a serious threat among students, who often lack financial literacy and awareness of digital risks. This research aims to raise students' awareness of the dangers of online lending and online gambling through an education and socialization program at SMAN 1 Sigli, Aceh. The program was implemented using the Participatory Action Research (PAR) method, which includes four phases: identification, needs determination, intervention, and evaluation. The results showed that after participating in the program, there was a significant increase in students' understanding of the risks of online loans and online gambling, as well as a change in attitudes towards both issues. In addition, teachers involved in the program reported increased confidence in delivering related materials to students. These findings suggest that an interactive and comprehensive educational approach can be effective in protecting students from the risks of online lending and online gambling. Recommendations for further development include implementing similar programs in other schools, developing more comprehensive educational materials, and increasing parental and community involvement in prevention efforts. This research contributes to the development of Islamic financial literacy, digital risk awareness, and supports the achievement of the Sustainable Development Goals (SDGs).
Sharia-Based Family Financial Management Training in Aceh Jaya Regency Riyaldi, Muhammad Haris; Umuri, Khairil; Sartiyah, Sartiyah; Syahrizal, Teuku Muhammad; Sitepu, Novi Indriyani; Nurlina, Eka; Nurdin, Ridwan; Syahriyal, Syahriyal; ZT, Fitrah Afandi; Sari, Nurma
Jurnal Pengabdian Bakti Akademisi Vol 1, No 1 (2024): Jurnal Pengabdian Bakti Akademisi
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jpba.v1i1.37620

Abstract

This community service aims to provide Sharia-based family finance socialization for women in Aceh Jaya Regency, Aceh. This activity was motivated by the low literacy level regarding Sharia-based family financial management in Aceh Province, especially among women. So, the service activities aim to increase understanding of Sharia-based family financial management, especially among women in Aceh Jaya Regency, Aceh Province. Service activities include preparation for activities, implementation of activities, and evaluation of activities. Implementing activities are planned in coordination with the Dinas Pemberdayaan Masyarakat, Perempuan, dan Keluarga Berencana (DPMPKB) Aceh Jaya regarding availability, location, and activity participants. Activities were carried out involving women in Aceh Jaya Regency, Aceh. The Sharia-based family financial management material is delivered through discussions and questions and answers. Evaluation of the implementation of service activities is reflected in the presence and enthusiasm of participants in listening to the material presented. Community service activities provide positive results by increasing participants' understanding of Sharia-based family financial management.
Penerapan Solar Cell sebagai Sumber Energi Alternatif Dalam Meningkatkan Dissolved Oxygen Kolam Ikan Budidaya Papuyu (Anabas Testudineus) Sari, Nurma; Nasrulloh, Amar Vijai; Fahrudin, Arfan Eko; Kastika, I Nyoman Eva; Amarina, Hasna; Nugraha, Adhitya Ade
Jurnal Pengabdian ILUNG (Inovasi Lahan Basah Unggul) Vol 4, No 3 (2025)
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/ilung.v4i3.14299

Abstract

Community service activities at Nana Fishery located in Guntung Paikat Village, Banjarbaru have been completed. The application of solar cell technology has been applied in the fisheries sector. Solar cell alternative energy technology has been applied in running water pumps to supply oxygen content in water. Water quality, especially in the fisheries sector, must always be maintained so that fish growth and development grow optimally. Partners have gained knowledge about solar cell technology which in this case has been directly applied in the fisheries sector. In this activity, two solar cell panels with a power of 100 watt- peak (WP) have been installed, the water pump used is 30-Watt DC, 5 DC lights with a power of 10 watts. The specifications of the two batteries have a power of 12 Volts, 50 Ah with a backup period of two days. In addition, an Arduino Uno-based timer is also installed which is programmed to be on for two hours and off for 30 minutes. Based on testing before being given a load, it has a voltage value of 13.8 Volts and after being given a load, the water pump and lights show a voltage value of 13.6 Volts.
Analisis Praktik Corporate Social Responsibility (CSR) Selama Pandemi Covid-19 pada Perusahaan yang Terdaftar di Bursa Efek Indonesia Sari, Nurma; Sari, Maemunah Nurmaya
LANCAH: Jurnal Inovasi dan Tren Vol. 2 No. 1 (2024): Mei
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ljit.v2i1.2250

Abstract

This research aims to find out what efforts companies have made through their CSR programs during the Covid-19 pandemic. The approach in this research is a qualitative approach, and this research is website-based research, where all the data is mostly taken from internet sources, especially from the website www.idx.co.id. The companies that make up the population in this research are 152 companies from two sectors and the annual reports observed are in 2020, due to the limited data obtained, namely there are no 2020 and 2021 annual reports on the Indonesian Stock Exchange companies. The research results show that as of August 2022, of the 152 companies studied there were only 3 companies that made 2020 annual reports. From the CSR reports used as research samples, researchers drew the conclusion that the CSR practices carried out by companies during the Covid-19 pandemic were classified into 3 groups, namely CSR activities for employees, for the community, and thirdly for customers. Researchers also concluded that the CSR report of PT Surya Permata Andalan Tbk. is superior in terms of expressing health insurance for employees, while PT Selamat Selamat is superior in terms of disclosing the nominal amount of CSR funds spent.
Workshop on the Emergence of Agentic AI in Financial Technology and Entrepreneurship Development Lubis, Muharman; Halim, Hendra; Khairi, Fitrah; Syahrizal, Teuku Muhammad; Umuri, Khairil; Fonna, Rizki Putri Nurita; DM, Burhanis Sulthan; Siregar, Fachrul A; Sari, Nurma; Farid, Farid
Jurnal Pengabdian Bakti Akademisi Vol 2, No 2 (2025): Jurnal Pengabdian Bakti Akademisi
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jpba.v2i2.45908

Abstract

The rapid development of Agentic Artificial Intelligence (AI) and blockchain technology has transformed the global financial and entrepreneurial landscape, posing both opportunities and challenges for young entrepreneurs. This community service activity aimed to enhance the digital literacy and innovation capacity of 100 student entrepreneurs from Universitas Syiah Kuala by introducing practical applications of Agentic AI in financial technology and business development. The activity was conducted in the form of an online workshop, utilizing a service-learning approach, and facilitated by an expert in information systems. The program included knowledge transfer, case studies, and interactive discussions on the implementation of Agentic AI in business decision-making, financial automation, and digital trust. The results showed significant improvement in participants understanding and readiness to adopt such technologies, with marked increases in awareness, interest, and motivation toward innovation. This activity demonstrates an effective model for supporting inclusive entrepreneurship and accelerating the achievement of sustainable development goals through technological empowerment.
Digital Business Opportunities in the 5.0 Era: Preparing Dayah Darul Hikmah Students Who Are Ready to be Entrepreneurs Elianti Nasution, Lisa; Rezeki, Sri; Setyorini, Dian; Hamat, Zahri; Haris Riyaldi, Muhammad; Sari, Nurma; Hidayat, Firdan; Martin Sitepu, Panglima
Eastasouth Journal of Positive Community Services Vol 3 No 03 (2025): Eastasouth Journal of Positive Community Services (EJPCS)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/ejpcs.v3i03.333

Abstract

The transformation towards the Society 5.0 era requires the younger generation to have adaptive skills to digital technology, including in the field of entrepreneurship. However, students in religious education institutions such as dayah still face limited access to information and training related to digital business opportunities. This community service activity was held at Dayah Darul Hikmah, Baitussalam District, Aceh Besar, on Friday, February 14, 2025, and was attended by 50 students. The purpose of this activity is to increase digital literacy and foster the spirit of entrepreneurship among students through interactive training. The implementation method includes interactive lectures, group discussions, and simple digital business practice workshops. The results of the activity showed that participants experienced an increased understanding of digital business concepts and were able to develop business ideas that were contextual with the surrounding environment. The positive response from the participants and the dayah showed that this activity succeeded in raising awareness of the importance of digital literacy and entrepreneurship. The follow-up plan includes an ongoing mentoring program, the preparation of learning modules, collaboration with strategic partners, and periodic evaluations of participants' development.
Determinants Of Waqf Interest Through Digital Media In Banda Aceh City Abdul Jabbar, Caesar; Nirlina, Eka; Sari, Nurma
Risalah Iqtishadiyah Vol 4 No 1 (2025): January - June 2025
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v4i1.75

Abstract

This research was conducted to analyze the effect of income, trust, religiosity and social influence on interest in cash waqf through digital media in the Banda Aceh city. The sample used in this study amounted to 100 respondents obtained from the calculation of the slovin formula. This type of research is quantitative research with primary data as a source of data in the research. The results of the study show that partially income, trust, religiosity, and social influence influence interest in waqf in the Banda Aceh city. Simultaneously, income, trust, religiosity and social influence affect interest in waqf through digital media in the Banda Aceh city. To increase interest in digital waqf, people can increase income, trust, religiosity, and social influence. Therefore, the public can take advantage of digital media as a means of cash waqf.
Analisis Efektifitas Dan Efesiensi Kemandirian Keluarga Fakir Uzur Melalui Program Zakat Pada Baitul Mal Aceh Nurlina, Eka; Sari, Nurma; Nabila, Nisa; Rusdi, Rusdi
Jurnal Bisnis Dan Kajian Strategi Manajemen Vol 9, No 1 (2025): JURNAL BISNIS DAN KAJIAN STRATEGI MANAJEMEN
Publisher : universitas teuku umar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35308/jbkan.v9i1.11790

Abstract

Purpose this research aims to find out the implementation of consumption zakat on fakir uzur program at Baitulmal Aceh as an effort in to increase the independence of mustahik and how the effectiveness of consumptive zakat as an effort to increase the independence of mustahik through the program as an effort to increase mustahik independence through the fakir uzur program at Baitulmal Aceh. fakir uzur program at Baitulmal Aceh. This research method uses a qualitative method descriptive method. The informants are the sub-division head of Baitulmal Aceh Distribution, assistants or volunteers of the fakir uzur program, and mustahik consumptive zakat in the fakir uzur program. fakir uzur program. The results showed that consumptive zakat in the fakir uzur program carried out by Baitulmal Aceh. uzur program carried out by Baitulmal Aceh based on 4 indicators, namely target accuracy, program socialization, program objectives have been effective. effective, so that mustahik in the fakir uzur program become independent because they are able to meet their daily needs so that they are independent in the future. fulfill their daily needs to be independent in old age without relying on the help of others. on the help of others. This indicates that Baitulmal's fakir uzur program is running well. Aceh's fakir uzur program is running well. However, other results found that supervision or monitoring is still relatively ineffective because there is no routine schedule carried out by Baitulmal. Baitulmal, Baitulmal Aceh conducts supervision according to the needs of the program and mustahik (tentative). programs and mustahik (tentative), this has an impact on errors in the financial management of the fakir uzur, where there are several cases of the assistance also enjoyed by family members. Keywords: Effectiveness of the fakir uzur program, self-reliance and independence Baitlu Mal Aceh
Co-Authors Abd.Rashid, Muhammad Hafiz Abdul Jabbar, Caesar Afandi ZT, Fitrah Afifudin, Toha Aina, Nurul Akhsanun Nadia Amarina, Hasna Amelia Putri, Novi Amir, Fakhrurrazi Amri Amri Amri Amri, Khoirul Andriyanto Andriyanto Anwari, Khairul Arfan Eko Fahrudin Chairani, Mira Che Wae, Husnee Cut Fauziah Dara Juwita Darminto . Dhiya Alifa DM, Burhanis Sulthan Eddy Gunawan, Eddy Elianti Nasution, Lisa Fadhil, Rahmat Fadilla, Dina Fahrudin, Arfan E Farid Farid Farid, Farid Farma, Junia Fitrah Khairi Fonna, Rizki Putri Nurita Giang, Phan Bao Gusti Atika Urfa Halim, Hendra Hamdani, Ahmad Hanif, Muhammad Hanif Fariswan Haris Riyaldi, Muhammad Hasnanti Putri, Windi Hayani, Nurilda Hidayat, Firdan Ikhsan In-In Hanidah Iwan Sugriwan, Iwan Joko Santoso Kadir Jailani, Abdul Kastika, I Nyoman Eva Khairiani, Dian Khasanah, Nur Dina Meylaila Luthfi Fuadah, Evi Khadijah Martin Sitepu, Panglima Maswan, Maswan Muftahuddin, Muftahuddin Muhammad Haris Fadhillah Muhammad Haris Riyaldi, Muhammad Haris Muhammad Salahuddin Muhammad Syahrizal, Teuku Muharman Lubis Mulia Saputra Nabila, Nisa Nasrulloh, Amar V Nasrulloh, Amar Vijai Netti, Misra Nirlina, Eka Nizam, Ahmad Nugraha, Adhitya Ade Nurlina, Eka Othman, Razali Bin Panggabean, Ovie Esrani Putra, Edy Giri Putra, Hamdika Yendri Putri, Siti Lusiana Rahimi, Sayyid Afdhal El Rahmadhiani, Ighfirlana Alief Rahmayati Rahmayati, Rahmayati Rahmi Syahriza, Rahmi Raisa Ullya Nisva Ramadhani, Evi Rani, Dzacky Muharram Ridwan Nurdin Rusdi Rusdi Safika S, Safika Salpina, Parjah Sari, Maemunah Nurmaya Sari, Meutia Dwi Novita Sari, Nor Dewi Sartiyah Sartiyah Sartiyah, Sartiyah Savitri, Yuniar Setyorini, Dian Siregar, Fachrul A Sitepu, Novi Indriyani Sri Cahyo Wahyono Sri Rezeki Suganda, Rolly Ega Suminar Pratapa Suryajaya Suryajaya, Suryajaya Susanna Syahriyal Syahriyal, Syahriyal Syahrizal, Teuku Muhammad Syukri, Sarah Tarigan, Akmal Tetti Novalina Manik Tiofanny, Claudie Toni, Muhammad Totok Wianto Tri Hapsari, Annisa Umuri, Khairil Utari, Ulya Wahyono, Sri C Wahyudi, Untung Yenny Anggreini Sarumaha Yulia Yulia Yusrizal Yusrizal Zahri Hamat ZT, Fitrah Afandi