Articles
<![CDATA[Pelatihan Operasional Layanan Nasabah (Customer Service) Berbasis Web Pada Pelajar SMK Negeri 1 Surabaya ]]>
<![CDATA[Sihotang, Ellen Theresia]]>;
<![CDATA[Sistiyarini, Evi]]>;
<![CDATA[Dwiati, Agustina Ratna]]>;
<![CDATA[Ambarwati, Yulian Belinda]]>;
<![CDATA[Nasution, Zubaidah]]>
<![CDATA[ Jurnal SOLMA Vol. 13 No. 3 (2024) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Prof. DR. Hamka (UHAMKA Press) ]]>
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DOI: 10.22236/solma.v13i3.14949
<![CDATA[Background: Sekolah Menengah Kejuruan (SMK) adalah jenjang pendidikan menengah vokasi yang menyiapkan lulusannya siap bekerja sehingga kurikulumnya dilengkapi teori dan praktik. Salah satu SMK Negeri (SMKN) di Surabaya memiliki jurusan Akuntansi dan Keuangan Lembaga yang menghadapi permasalahan pada media pembelajaran praktik perbankan pada bank mini. Tujuan dari kegiatan Pengabdian kepada Masyarakat (PkM) adalah meningkatkan pengetahuan operasional layanan bank melalui media pembelajaran yang berbasis web. Metode: Mitra pada kegiatan PkM ini hanya satu yaitu SMKN 1 Surabaya dengan jumlah peserta 32 siswa, Metode yang diterapkan pada kegiatan PkM adalah pelatihan dan pendampingan yang berlangsung selama satu hari pada tanggal 01 Februari 2024. Proses pengambilan data melalui wawancara dengan dua orang guru, monitoring dan kuesioner. Hasil: Pada awal pelatihan hanya ada lima siswa yang mampu mengoperasikan menu layanan nasabah secara tepat (15,63%). Sejumlah 30 siswa meningkat kemampuannya (93,75%) setelah dilakukan pendampingan, dua siswa masih belum dapat mengoperasikan menu tersebut karena jaringan internet yang tidak stabil. Narasumber juga memperoleh nilai yang baik terkait dengan penyampaian materi. Kesimpulan: Sejumlah peserta mengikuti pelatihan dengan antusias dan memperoleh manfaat melalui media pembelajaran yang fleksibel.]]>
<![CDATA[Penyusunan Laporan Keuangan Masjid Menuju Akuntabilitas dan Transparansi ]]>
<![CDATA[Shonhadji, Nanang]]>;
<![CDATA[Yulianti, Emma]]>;
<![CDATA[Samekto, Agus]]>;
<![CDATA[Nasution, Zubaidah]]>;
<![CDATA[Djunaedi, Arif Zeinfiki]]>
<![CDATA[ Mopolayio : Jurnal Pengabdian Ekonomi Vol. 4 No. 1 (2024): Mopolayio : Jurnal Pengabdian Ekonomi Volume 4 Number 1 (November 2024) has bee ]]>
Publisher : <![CDATA[Fakultas Ekonomi Universitas Negeri Gorontalo ]]>
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DOI: 10.37479/mopolayio.v4i1.97
<![CDATA[Program pengabdian masyarakat ini bertujuan untuk melakukan pendampingan dan pelatihan tentang pentingnya Masjid Al Ikhlas Surabaya sebagai organisasi nirlaba untuk menyiapkan laporan keuangan yang transparan dan akuntabel, agar dapat meningkatkan kepercayaan jamaah. Masjid Al Ikhlas Surabaya berupaya menerapkan PSAK No. 45 untuk meningkatkan manajemen pengelolaan dana masjid yang akan dipertanggung jawabkan kepada jamaah. Metode palksanaan program pengabdian masyarakat meliputi tahapan persiapan, pelatihan akuntansi, penerapan sistem pencatatan keuangan, dan digitalisasi laporan. Hasil pelaksanaan program pengabdian masyarakt ini menginformasikan bahwa penerapan standar akuntansi, pencatatan yang sistematis dan rapi, serta transparansi melalui penyampaian laporan berkala meningkatkan akuntabilitas informasi keuangan kepada jamaah. Hasil juga menunjukkan bahwa diperlukan peran aktif dari pengurus takmir masjid dalam pengelolaan dana. Program pengabdian masyarakat ini memberikan kontribusi praktis bahwa tata kelola keuangan di Masjid Al Ikhlas menjadi lebih profesional dan bertanggung jawab, sehingga dapat memberikan contoh yang dapat diikuti oleh masjid lain.]]>
<![CDATA[Peran literasi keuangan syariah dan pendapatan terhadap utang konsumsi di Surabaya ]]>
<![CDATA[Humainy, Mahbub]]>;
<![CDATA[Nasution, Zubaidah]]>
<![CDATA[ Journal of Business & Banking Vol 14 No 1: May-October 2024 ]]>
Publisher : <![CDATA[Universitas Hayam Wuruk Perbanas ]]>
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DOI: 10.14414/jbb.v14i1.4964
<![CDATA[This research aims to analyze the influence of sharia financial literacy and family income on household consumption debt in Surabaya. This research method uses a quantitative approach through questionnaires to 115 house-holds in Surabaya. The sample in this study was Surabaya City house-holds, which the researchers obtained based on established criteria. The sample that met the criteria was 115 households. Data analysis uses multiple linear regression tests, which are processed through the SPSS application. The research results show that partial sharia financial literacy does not have a significant influence on household consumption debt, while family income has a significant negative influence on consumption debt. The better the sharia financial literacy, the higher the household consumption debt; on the other hand, the higher the income, the lower the consumption debt. The implications of the results of this research are that households play an active role in Sharia financial inclusion but do not understand or study Sharia financial literacy. The high level of household consumption debt is influenced by needs and lifestyle. The household income factor is wiser in its use, where households with higher incomes tend to have lower consumption debt.]]>
<![CDATA[Pengaruh Good Corporate Governance (GCG), Pertumbuhan Premi, dan Beban Klaim Terhadap Profitabilitas Pada Asuransi Syariah ]]>
<![CDATA[Ningrum, Hikhmah Cahya]]>;
<![CDATA[Nasution, Zubaidah]]>;
<![CDATA[Setiawan, Surya]]>
<![CDATA[ Jurnal Ekonomi Syariah Pelita Bangsa Vol. 9 No. 02 (2024): JESPB Edisi Oktober 2024 ]]>
Publisher : <![CDATA[DPPM Universitas Pelita Bangsa ]]>
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DOI: 10.37366/jespb.v9i02.1813
<![CDATA[Penelitian ini bertujuan untuk mengetahui pengaruh Good Corporate Governance, Pertumbuhan Premi dan Beban Klaim terhadap Profitabilitas pada Asuransi Syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan menggunakan data sekunder. Populasi yang digunakan dalam penelitian ini adalah Perusahaan Asuransi Jiwa Syariah yang terdaftar di Otoritas Jasa Keuangan pada tahun 2016-2022. Penelitian ini memiliki 14 sampel dengan periode penelitian selama 7 tahun. Teknik pengambilan sampel menggunakan metode purposive sampling. Metode analisis yang digunakan dalam penelitian ini adalah metode analisis regresi linier berganda yang diolah menggunakan software SPSS 25. Hasil penelitian ini menunjukkan bahwa secara simultan Dewan Komisaris, Pertumbuhan Premi dan Beban Klaim berpengaruh signifikan terhadap Profitabilitas. Selain itu, Dewan Komisaris dan Pertumbuhan Premi berpengaruh positif signifikan terhadap profitabilitas, sedangkan Beban Klaim tidak memiliki pengaruh terhadap profitabilitas.]]>
<![CDATA[Dampak Sertifikasi Halal pada Kepuasan Konsumen (Studi Kasus di CV. Suwaga Jaya) ]]>
<![CDATA[Amalah, Ni'matun]]>;
<![CDATA[Nasution, Zubaidah]]>
<![CDATA[ Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 1 (2025): Islamic economics and banking research ]]>
Publisher : <![CDATA[Universitas Islam Negeri Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/ba.v10i1.7637
<![CDATA[Halal certification is vital in the food industry, especially in Muslim-majority areas like Gresik. This study analyzes its impact on consumer satisfaction at CV Suwaga Jaya Bu Muzanah Gresik using a qualitative case study approach. Data was collected through interviews, observations, and documentation. The findings show that halal certification significantly enhances consumer trust and satisfaction by ensuring compliance with Islamic law. It also boosts customer loyalty, as satisfied consumers tend to recommend the products. However, consumer satisfaction is also influenced by product quality, service, and market availability. Thus, while halal certification is crucial in CV Suwaga Jaya’s marketing strategy, factors like product innovation and service improvements are also necessary to maintain competitiveness.]]>
<![CDATA[Optimalisasi Rasio Permodalan melalui Kinerja Keuangan, Ukuran Bank, dan Produk Bagi Hasil Bank Umum Syariah ]]>
<![CDATA[Sistiyarini, Evi]]>;
<![CDATA[Nasution, Zubaidah]]>;
<![CDATA[Wulandari, Dewi Ayu]]>
<![CDATA[ Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 1 (2025) ]]>
Publisher : <![CDATA[Masoem University ]]>
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DOI: 10.32627/maps.v9i1.1552
<![CDATA[Banks require adequate capital to foresee risks in their operating activities. Finding the factors influencing Islamic commercial banks' capital adequacy ratio (CAR) is the aim of this study. The higher the capital owned by the bank, the stronger the bank is in facing risks. One indicator of banking capital can be seen in the Capital Adequacy Ratio (CAR). The dependent variable is capital adequacy as measured by CAR. The independent variables used are FDR, ROE, NPF, BOPO, bank size, and profit-sharing products. This study uses panel data regression analysis to process data collected from bank financial statements. The results of the study indicate that the FDR variable has a positive but insignificant effect on CAR. ROE, NPF, BOPO, and profit-sharing products have a significant negative effect on CAR in Islamic commercial banks. Bank size has a significant positive effect on CAR in Islamic commercial banks. This finding suggests that the bank's size, profit-sharing plans, and financial performance all play a significant role in determining its capital.]]>
<![CDATA[The Effect of Good Corporate Governance and Company Size on The Profitability of Islamic Insurance Companies in Malaysia ]]>
<![CDATA[Nabihah, Rifdah]]>;
<![CDATA[Nasution, Zubaidah]]>;
<![CDATA[Setiawan, Surya]]>
<![CDATA[ JURNAL EKONOMI SYARIAH Vol 8, No 1 (2023): Jurnal Ekonomi Syariah ]]>
Publisher : <![CDATA[Universitas Siliwangi ]]>
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DOI: 10.37058/jes.v8i1.6910
<![CDATA[Introduction to The Problem: The development of Malaysia's financial industry continues to accelerate but it does not rule out the possibility that there are still frequent irregularities in corporate governance.Purpose/Objective Study: The purpose of this research is to analyze the effect of Good Corporate Governance and Firm to Profitability of Sharia Insurance in Malaysia. Design/Methodology/Approach: This research uses a quantitative approach using secondary data. The population of this study is Takaful companies in Malaysia with a research period of 2016-2021. The sampling technique used purposive sampling method. Samples that met the criteria were 10 Takaful companies in Malaysia out of a total of 10 Takaful companies in Malaysia. The model used as an analysis tool is multiple linear regression. Data processing in this study uses the SPSS 25 tool. Findings: The results of this study indicate that simultaneously the variables of the Board of Commissioners, Sharia Committee, and Company Size have a positive and significant effect on Profitability which is proxied by Return On Assets of Islamic Insurance Companies in Malaysia, while partially the Board Commissioner has a positive and insignificant effect, Sharia Committee has a negative and not significant effect, and Company Size has a positive and significant effect on the profitability of Islamic insurance companies in Malaysia.Paper Type: Research Article ]]>
<![CDATA[Peran literasi keuangan syariah dan pendapatan terhadap utang konsumsi di Surabaya ]]>
<![CDATA[Humainy, Mahbub]]>;
<![CDATA[Nasution, Zubaidah]]>
<![CDATA[ Journal of Business & Banking Vol 14 No 1: May-October (2024) ]]>
Publisher : <![CDATA[Universitas Hayam Wuruk Perbanas ]]>
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DOI: 10.14414/jbb.v14i1.4964
<![CDATA[This research aims to analyze the influence of sharia financial literacy and family income on household consumption debt in Surabaya. This research method uses a quantitative approach through questionnaires to 115 house-holds in Surabaya. The sample in this study was Surabaya City house-holds, which the researchers obtained based on established criteria. The sample that met the criteria was 115 households. Data analysis uses multiple linear regression tests, which are processed through the SPSS application. The research results show that partial sharia financial literacy does not have a significant influence on household consumption debt, while family income has a significant negative influence on consumption debt. The better the sharia financial literacy, the higher the household consumption debt; on the other hand, the higher the income, the lower the consumption debt. The implications of the results of this research are that households play an active role in Sharia financial inclusion but do not understand or study Sharia financial literacy. The high level of household consumption debt is influenced by needs and lifestyle. The household income factor is wiser in its use, where households with higher incomes tend to have lower consumption debt.]]>
<![CDATA[Pengaruh Dewan Komisaris, Firm Size, dan Rasio Modal terhadap Profitabilitas Asuransi Jiwa Syariah di Indonesia ]]>
<![CDATA[Uyun, Syifaul]]>;
<![CDATA[Nasution, Zubaidah]]>;
<![CDATA[Setiawan, Surya]]>
<![CDATA[ El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/elmal.v5i3.619
<![CDATA[The purpose of this study was to analyze the effect of the Board of Commissioners, Firm Size, and Capital Ratio on the Profitability of Sharia Life Insurance in Indonesia for the 2016-2021 period. The method of determining the sample in this study was purposive sampling method and the results obtained were 10 sharia life insurance companies in Indonesia. The data analysis in this study is descriptive analysis and multiple linear regression analysis using SPSS 17. This research results that simultaneously the board of commissioners, firm size, and capital ratios have a significant effect on profitability. While partially the board of commissioners has no significant effect, firm size and capital ratios have a significant effect on profitability. Keywords: Board of Commissioners, Firm Size, Capital Ratio, Profitability]]>
<![CDATA[Pelatihan Standar Layanan Perbankan bagi Siswa SMK Negeri 10 Surabaya ]]>
<![CDATA[Sihotang, Ellen Theresia]]>;
<![CDATA[Sistiyarini, Evi]]>;
<![CDATA[Rokhmania, Nur'aini]]>;
<![CDATA[Nasution, Zubaidah]]>
<![CDATA[ J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Vol. 8 No. 1 (2024): April 2024 ]]>
Publisher : <![CDATA[IKIP PGRI Bojonegoro ]]>
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DOI: 10.30734/j-abdipamas.v8i1.3378
<![CDATA[ABSTRACTOne form of formal education is a Vocational High School (SMK) where the learning process includes theory and practice in order to prepare graduates who are ready to work. In this regard, SMKN 10 has a specialization in banking and requires concepts and practices related to bank services standards. The solution provided by the Hayam Wuruk University (UHW) Perbanas Community Service (PkM) team was to conduct training as an implementation method. Training activities are carried out through preparation, implementation and evaluation stages. As a results, a number of students obtained the concept of customer service standards which included customer and teller services and cash transaction practices in the teller work unit through a web-based bank application.Keywords: Banking, Bank Service Standards, Training, Vocational School. ABSTRAKSalah satu bentuk pendidikan formal adalah Sekolah Menengah Kejuruan (SMK) yang proses pembelajaran meliputi teori dan praktik dalam rangka menyiapkan lulusan yang siap bekerja. Berkaitan dengan hal tersebut SMKN 10 memiliki bidang peminatan perbankan dan memerlukan konsep serta praktik yang terkait dengan standar layanan bank. Solusi yang diberikan oleh tim Pengabdian kepada Masyarakat (PkM) Universitas Hayam Wuruk (UHW) Perbanas adalah melakukan pelatihan sebagai metode pelaksanaan. Kegiatan pelatihan dilakukan melalui tahap persiapan, pelaksanaan dan evaluasi. Hasilnya sejumlah siswa memperoleh konsep standar layanan nasabah yang meliputi pelayanan nasabah dan teller serta praktik transaksi tunai pada unit kerja teller melalui aplikasi bank berbasis situs web. Kata Kunci: Pelatihan, Perbankan, SMK, Standar Layanan Bank]]>
