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All Journal Rihlah Jurnal Sejarah dan Kebudayaan DIKTUM: Jurnal Syariah dan Hukum AL-MAIYYAH SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Jurnal Hukum Ekonomi Syariah Inspiring: English Education Journal Jurnal Ilmu Manajemen Profitability Al-MAIYYAH : Media Transformasi Gender dalam Paradigma Sosial Keagamaan International Journal of Health, Economics, and Social Sciences (IJHESS) Jurnal Ar-Ribh INVOICE : JURNAL ILMU AKUNTANSI Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Al-Iftah: Journal of Islamic studies and society Indo-Fintech Intellectuals: Journal of Economics and Business Economos : Jurnal Ekonomi dan Bisnis Al Rikaz : Jurnal Ekonomi Syariah Riwayat: Educational Journal of History and Humanities Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan Islamic Financial And Accounting Review Balance: Jurnal Ekonomi
Muzdalifah Muhammadun, Muzdalifah
Unknown Affiliation
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Village Financial System, Accountability, Transparency, and Sharia Economic Analysis Fatmawati, Fatmawati; Semaun, Syahriyah; Astuti, An Ras Try; Muhammadun, Muzdalifah; Bahri, Andi
Jurnal Ar-Ribh Vol. 8 No. 2 (2025): October 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/5knnyg22

Abstract

This research analyzes the Islamic Economic Analysis of Accountability and Transparency of the Village Financial System (SISKEUDES) in Cempa Pinrang District. The purpose of this research is to analyze the implementation of accountability, identify the level of transparency, and conduct an Islamic Economic Analysis of the Village Financial System (SISKEUDES) in Cempa Pinrang District. The research method used is descriptive qualitative. This type of research is field research. This research approach employs a case study approach. The data sources used are primary data in the form of direct interviews with village officials, the community, and secondary data in the form of books, journals, and articles related to the discussed topic. The results of this research show: 1). Overall, Siskeudes has successfully improved various aspects of accountability in village financial management, although it is important to continue monitoring it. This system encourages honesty and legal compliance, makes financial processes more orderly and easier to supervise, and makes the planning and implementation of village programs and policies more transparent with active support from the community and the BPD. 2). The transparency of Village Funds in Cempa Pinrang District is good in providing data. However, the main issue is that the community still has difficulty understanding information that is too technical and not all residents have equal access. Therefore, true transparency means that information must be easy to understand and accessible to everyone, so that accountability in the use of Village Funds can truly be realized3). Siskeudes has reinforced the principles of Islamic economics in village financial management: encouraging honesty (Siddiq) in data, enhancing responsibility (Amanah) through transparency and oversight, and honing the intelligence (Fathonah) of village officials in digital administration. However, the main challenge of Tabligh (information dissemination) is to ensure that transparent data can be easily understood and accessed by all layers of society, so that transparency truly empowers and encourages public participation.
Opportunities and Challenges: Revitalising the Accounting Profession Against Artificial Intelligent Yassin, Muhammad; Frihatni, Andi Ayu; Muhammadun, Muzdalifah
Riwayat: Educational Journal of History and Humanities Vol 8, No 1 (2025): Januari, Special Issue on "Educational design research for human beings learning
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v8i1.43906

Abstract

Technological developments noting Artificial Intelligence have impacted many aspects of activities and sectors of society, including the accounting profession. Therefore, this research is intended to analyse the opportunities and challenges that the AI revolution has on the accounting profession, as well as formulate a strategy to revitalise the role of accountants in the digital era. In this research, a qualitative approach method was used through literature review techniques. Based on the research results, it was found that AI offers enormous opportunities in improving efficiency, accuracy, and productivity through the automation of routine tasks such as transaction recording, data analysis, and so on. However, a significant source of risk has also emerged at the same time, and is a concern for the accounting profession today and in the future. Harnessing Artificial Intelligence impacts the liquidation process and the generation of new jobs, requiring the accounting profession to continuously evolve through challenges that demand increased technical, strategic competence and a deep understanding of technology. accounting as a strategic partner in business decision making. This article recommends collaborative efforts between educational institutions, professional organisations, and companies. As well as the development of accounting professional resources that are aligned with current conditions, to prepare accountants for the changes brought by Aritficial Intelligence. With the right approach, Artificial Intelligence will not only be a challenge, but also an opportunity to strengthen the relevance and sustainability of the accounting profession in the future.
Analysis of M-Banking Service Factors on Customer Satisfaction at Indonesian Sharia Banks Kc Mamuju Mandasari, Puti; Muhammadun, Muzdalifah; Semaun, Syahriyah; Aminah, St; S, Andi Bahri
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.13959

Abstract

Business competition in the banking sector is now increasingly fierce, both in domestic and international markets. The quality of customer service is the main key for banking companies to maintain customer trust and satisfaction. In providing optimal service, the bank integrates technology through Mobile Banking (m-banking) services to meet customer needs. This research aims to evaluate the influence of various aspects of m-banking, such as system security, company credibility, ease of use, and speed on customer satisfaction at Bank Syariah Indonesia KC Mamuju. Quantitative research methods were used by collecting data through questionnaires to 94 respondents. The research results show that the variables of system security, company credibility, and m-banking speed positively influence customer satisfaction, with a joint influence reaching 56.4%. Multiple linear regression analysis shows that system security (X1), company credibility (X3), and speed (X4) have a significant positive influence on customer satisfaction (Y). The resulting regression equation is Y = 2.624 + 0.227 X1 + 0.211 X3 + 0.407 X4 + e. Thus, it can be concluded that the higher the quality of m-banking services, the greater customer satisfaction at Bank Syariah Indonesia KC Mamuju will increase. However, there were 2% complaints, indicating that improvements are still needed to improve the m-banking user experience.
THE INFLUENCE OF DIGITAL AND FINANCIAL LITERACY BEHAVIOR TOWARDS CONSUMPTIVE SHOPPING BEHAVIOR ONLINE IN GENERATION Z IN PANANRANG VILLAGE Ramadhani, Amalia; Muhammadun, Muzdalifah; Arwin
Islamic Financial And Accounting Review Vol 4 No 1 (2025): Islamic Financial And Accounting Review
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/ifar.v4i1.15567

Abstract

The purpose of this study is to describe whether digital financial literacy has an effect on consumptive spending behavior Online in Generation Z. describes whether Financial Behavior Affects Shopping Consumptive Behavior Online in generation Z. This type of research uses quantitative methods. Saturated sampling is used to distribute questionnaires to Generation Z to obtain data. The two forms of data analysis used in this study are multiple regression analysis and descriptive analysis approach. The data processing in this study uses IBM SPSS Statistics 26. The results of the study show that: First, the results of the t-test hypothesis test (Partial) show that the significance value for the X1 variable is 0.04 < 0.05 and the t-calculation value is -2.960 < t-table 1.985 so that it is stated that digital financial literacy has a significant effect on spending consumptive behavior Online with the direction of the negative relationship, the second based on the hypothesis test of the t-test (partial) shows a significant value for the variable X2 of 0.00 < 0.05 with a t-calculated value of 12.530 < t-table 1.985, so it can be stated that Financial Behavior Have a significant effect on consumptive shopping behavior Online with the direction of positive relationships. The F value is calculated as 78.929 > F table 3.09 so that it is stated that there is an influence of variable X on variable Y together (simultaneously). Conclude that the hypothesis in this study is accepted, namely that there is an influence of digital financial literacy variables and Financial Behavior on consumer spending behavior Online generation Z in Pananrang Village, Mattiro Bulu District, Pinrang Regency.
Co-Authors Abdil Dzil Arsy Amalia, Kiki Reski Aminah, St AMZAH SELLE, AMZAH Andi Ayu Frihatni Andi Bahri S Andi Bahri, Andi Areski, Widya Pribadiyanti Arliny, Adinda Arwin Arwin Arwin Astuti, An Ras Try Bahri. S, Andi Bustami Usman, Bustami DAMIRAH DAMIRAH, DAMIRAH Darmawati Darmawati Fatmawati, Fatmawati Firman Firman Frihatni, Andi Ayu Ghasali, Ihsan Hannani Hasnani Siri HS, Lifityani Idris, Masyar Kaharuddin M. NASRI HAMANG, M. NASRI Mahsyar, Mahsyar Multazam Mansyur Addury Nugroho, Muhammad Dandi Nurdin, Fitriana Pangestu, Dian Resky Rahmatillah, Sri Fatimah Ramadhani, Amalia Ramli, Nurleli Rusnaena S, Andi Bahri S, Muhlisa Safitri, Mustika Ayu Sahara, Ira Sangaji, Ruslan Sardia Sarifah Sarifah St. Aminah Suarning, Suarning Sumi Surahman Amin, Surahman Syahriyah Semaun, Syahriyah Syarifuddin, Samsinar Tamara, Ainun Ulandari, Dewianti Usbala, Aminuddin Wahyuni, A Yassin, Muhammad