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All Journal EkoBis ( Ekonomi & Bisnis ) Jurnal Manajemen Terapan dan Keuangan Jurnal Ekonomi : Journal of Economic Jurnal Ekonomika Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Ilmiah Ekonomi Islam JURNAL AKUNTANSI DAN BISNIS : Jurnal Program Studi Akuntansi Journal of Accounting Science Gondang: Jurnal Seni dan Budaya Maneggio: Jurnal Ilmiah Magister Manajemen Ganaya: Jurnal Ilmu Sosial dan Humaniora Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Martabe : Jurnal Pengabdian Kepada Masyarakat JURNAL PENDIDIKAN TAMBUSAI Jurnal Ilmiah Ecosystem Journal of Humanities and Social Studies JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) JISIP: Jurnal Ilmu Sosial dan Pendidikan JESI (Jurnal Ekonomi Syariah Indonesia) Jurnal EDUCATIO: Jurnal Pendidikan Indonesia JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Bilancia : Jurnal Ilmiah Akuntansi Jurnal Mantik Jurnal Ilmiah Edunomika (JIE) International Journal of Economics Development Research (IJEDR) Jurnal Darma Agung Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) MALLOMO: Journal of Community Service JURNAL MANAJEMEN AKUNTANSI (JUMSI) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Econetica Indonesian Journal of Innovation Studies Gesture: Jurnal Seni Tari Jurnal Akuntansi dan Keuangan Studi Akuntansi, Keuangan, dan Manajemen Journal Research of Economics and Bussiness Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Regress: Journal of Economics & Management Paradoks : Jurnal Ilmu Ekonomi Journal AK-99 Journal of Business Management and Economic Development Jurnal Inovasi Bisnis Indonesia (JIBI) IIJSE
Nurwani Nurwani, Nurwani
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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Journal : Indonesian Journal of Innovation Studies

 1 
Gold Price Fluctuation Drives Customers' Gold Installment Investment Decision: Fluktuasi Harga Emas Mendorong Keputusan Investasi Cicil Emas Nasabah Maysarah, Maysarah; Syafina, Laylan; Nurwani, Nurwani
Indonesian Journal of Innovation Studies Vol. 26 No. 4 (2025): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijins.v26i4.1590

Abstract

General Background: Investment decisions are often influenced by macroeconomic variables, among which commodity price fluctuations, such as gold, are prominent. Specific Background: In the context of Islamic banking, Bank Syariah Indonesia (BSI) offers a gold installment product that has seen varied customer responses amidst volatile gold prices. Knowledge Gap: Despite the popularity of gold-based investment products, limited empirical studies address how gold price fluctuations affect customer investment behavior in this specific setting. Aims: This study aims to analyze the extent to which gold price fluctuations influence customer decisions to invest in the gold installment product at BSI KCP Medan A.H Nasution. Results: Using a quantitative method with 71 randomly selected respondents from a population of 250, and applying various statistical tests including hypothesis testing, the findings indicate that gold price fluctuations have a positive and significant effect on investment decisions, with a determination coefficient (R²) of 0.597. Novelty: The study provides empirical evidence linking gold price volatility with investment choices in Islamic gold installment products, a relatively underexplored area. Implications: These results underscore the importance for Islamic financial institutions to monitor gold market dynamics closely, as they significantly shape customer investment decisions. Highlights: Fluctuating gold prices significantly affect customer investment decisions. 59.7% of investment behavior is explained by gold price trends. Study fills a gap in Islamic finance research on gold-based products. Keywords: Gold Price Fluctuation, Investment Decision, Islamic Banking, Gold Installment
Accounting Information System Analysis on Credit Sales: Analisis Sistem Informasi Akuntansi pada Penjualan Kredit Hayat, Kumala; Nasution, Yenni Samri Julianti; Nurwani, Nurwani
Indonesian Journal of Innovation Studies Vol. 26 No. 3 (2025): July
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijins.v26i3.1567

Abstract

General Background: Credit sales are a key strategy in the automotive industry to boost sales volume, yet they pose significant challenges in transaction recording and receivables management. Specific Background: PT. Aksara Motor Medan still relies on a semi-manual accounting information system (AIS) for credit sales, leading to delays in reporting and increased credit risk. Knowledge Gap: Few studies have comprehensively examined the link between semi-manual systems and the rise of bad debts in mid-sized automotive companies. Aims: This study aims to analyze the effectiveness of AIS in supporting accurate recording, reporting, and control of credit sales at PT. Aksara Motor Medan. Results: Findings show that the system is suboptimal, with delayed data updates, weak internal controls, and the absence of an automated reminder system for delinquent customers. Novelty: The study proposes the integration of AIS with a risk-based assessment model using the 5C approach and the COSO framework to strengthen control and risk management. Implications: Full digitalization, structured staff training, automated notifications, and data-driven credit evaluation are recommended to improve operational efficiency and minimize bad debt risks.Highlight : The system is semi-manual, causing reporting delays and credit risk. Arrears rose from 15% to 23.8% in six months. Full digitalization and 5C-based risk analysis are recommended. Keywords : Accounting System, Credit Sales, Bad Debts, Internal Control, Aksara Motor
Co-Authors Abdul Azis Adriansyah, Muhammad Agustinus Agustinus AHMADI Akhsan Akhsan Alfarizi, Mhd Reza Andar Indra Sastra Anggun Pratiwi Anton, Syahri Arfianty Arfianty, Arfianty Arif Tribowo Arifin Fauzi Lubis Aritonang, Solahuddin Arman Arman Arnida Wahyuni Arnida Wahyuni Lubis Asmawati Asmawati Asrah, Bengi Atika Atika Aulia, Jihan Luthfi Bancin, Kiki Amelia Chairunnisa, Lita Christiana, Irma Damhuri, Dedy Dharma, Budi Erika Erika Fajriawan, Rezki fatimah Fatimah Fatmawati, Lia Nur Fransiska, Ira Gunawan, Asrul Gurusinga, Mellya Friska Halijah, Nur Harun, Hernianti Hastina Febriaty Hayani, Mifta Hayat, Kumala Helmi, Halimah Hendra Harmain Hendra Harmain Hernianti Harun Juliati Nasution, Yenni Samri Jumriani, Jumriani Kamila, Kamila Laylan Syafina Lingga, Fitria Ratna Lubis, Fatimah Aini Lubis, Herlin Syahdina Lubis, Nurul Azhrah Mahira, Tengku Ismalia Mandani, Putih Marliyah, Marliyah Marpaung, Tuah Rizky Martis, Martis Maysarah, Maysarah Mutmainnah Mutmainnah Nashuha Harahap, Vania Ananda Nasution, Alya Elva Lianda Nasution, Annio Indah Lestari Nasution, Juliana Nasution, Yenni Samri Julianti Nirwana, Nirwana Afiah Hidayati Nisa, Sofatun Nurain Nurain, Nurain Nurbaiti Nurbaiti Nurhapsah, Nurhapsa Nurul Jannah Pertiwi, Tri Bagus Pratama, Dela Puspita, Windy Putra, Ary Satria Rahmadani, Nurianti Rahmani, Nur Ahmadi Bi Ramadhani, Sri Rokan, Mustafa Kamal Rosadi, Imran Sagala, Syarah Asda Pratiwi Samri Juliati Nasution, Yenni Sari Wahyuni Saskia Aulia Ashar Sihombing, Amira Salsabila Afra Siregar, Ayu Lestari Siregar, Sylviana Sovianum, Sovianum Sri Mustika Aulia Sugianto Sugianto Suwifania, Jihan Syahrur H. Imran Tarisa, Cut Try Wahyu Purnomo Tuti Anggraini Wahyu Syarvina Wahyundari, Sri Putri Wardatussyfa, Wardatussyfa Yasri Tarawiru YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yenni Samri Juliati Nst yunaidi yunaidi Yusrizal Yusrizal Zahara, Annisa