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All Journal Journal of Economic, Bussines and Accounting (COSTING) Unram Journal of Community Service (UJCS) International Journal of Management and Business Economics Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Iin Safariah
Universitas Sali Al-Aitaam
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The CFO's Playbook: Strategic Financial Management For Competitive Advantage Rheza Pratama; Iin Safariah; Muhammad Anas
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 4 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i5.11703

Abstract

This study explores the impact of Strategic Financial Management and Financial Planning and Analysis on Competitive Advantage within Bank Syariah Indonesia KC Ternate, with a focus on the mediating role of Financial Decision-Making Quality. Utilizing a quantitative research design, data was collected from 70 customers through structured questionnaires and analyzed using Smart PLS (Partial Least Squares). The findings reveal significant direct effects of Strategic Financial Management and Financial Planning and Analysis on Competitive Advantage, with coefficients of 0.50 and 0.32, respectively. Additionally, the analysis uncovers significant indirect effects where both Strategic Financial Management and Financial Planning and Analysis influence Competitive Advantage through improved Financial Decision-Making Quality, with coefficients of 0.25 and 0.21, respectively. These results underscore the critical role of high-quality financial decision-making in enhancing the competitive advantage of the bank, highlighting the need for effective strategic financial management and planning to drive organizational success.
Pengaruh Tingkat Pemahaman Riba terhadap Praktik Utang Piutang Pedagang di Pasar Kordon Kujangsari Kota Bandung Iin Safariah; Sri Jubaida Arifin
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 7 No. 1 (2026): January
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v7i1.3403

Abstract

This study examines the effect of traders’ understanding of riba on debt–credit behavior at Pasar Kordon Kujangsari, Bandung City, while also describing the level of traders’ knowledge and the conformity of debt practices with Sharia principles. The analysis focuses on the relationship between Islamic financial literacy and traders’ economic behavior, considering that debt transactions remain essential for sustaining micro-enterprises in traditional markets. The research adopts a quantitative approach using a survey method, with primary data collected through a five-point Likert-scale questionnaire administered to 66 traders selected randomly from a population of 190 using the Slovin formula at a 90 percent confidence level. Data analysis was conducted using SPSS version 29 through validity and reliability tests, classical assumption tests, simple linear regression, and hypothesis testing. The results indicate that traders’ knowledge of riba is at a moderately high level and that their debt–credit behavior is relatively positive. Regression analysis confirms a positive and significant effect of riba understanding on debt behavior, with a regression coefficient of 0.162, a significance value of 0.005, and a coefficient of determination (R²) of 0.117, underscoring the importance of strengthening Islamic financial literacy and support for Sharia-compliant financing in traders’ economic practices.
Socialization of Smart Investment, Not Fake Investment in Cipagalo Village, Bojongsoang Subdistrict, Bandung Regency Yudi Zatnika; Iin Safariah; Nia Kurniasih; Erna Nurhasanah; Derri Benarli Nugraha; Dasep Heriansyah
Unram Journal of Community Service Vol. 6 No. 4 (2025): December
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i4.1314

Abstract

This study aims to describe the implementation and outcomes of the community service program “Smart Investment, Not Fake” designed to improve investment literacy in Cipagalo Village, Bojongsoang Subdistrict, Bandung Regency, Indonesia. Many residents are exposed to attractive but unclear investment offers and have limited ability to distinguish legal products from fraudulent schemes, underscoring the need for education on safe investing. The research used a descriptive, pre-experimental one-group pre-test–post-test design. The program was conducted face-to-face on 1 February 2025 and involved 30 villagers selected through purposive sampling. The intervention consisted of a structured socialization session including lectures, interactive discussions, and the administration of pre-test and post-test questionnaires on knowledge of smart and fake investments. Data were analyzed descriptively by comparing scores and response patterns before and after the session. The pre-test results showed that 90.90% of participants did not yet understand smart and fake investments. After the session, 93.33% rated the material as very good, 100% reported understanding the concepts and the importance of safe, OJK-supervised investment, and 36.36% stated that they intended to apply the new knowledge in practice. Participants' high attendance, active engagement, and requests for similar activities with other topics indicated strong community interest and perceived relevance. The study concludes that a short, structured socialization program, implemented through collaboration between university lecturers and local stakeholders, can effectively increase village-level financial literacy and help reduce vulnerability to investment fraud. Future activities should refine instruments to suit varying literacy levels.
The Relationship Between Production Cost Budgeting and The Financial Performance Of Seblak Soba Culinary Business In Tasikmalaya Iin Safariah; Seilla Monica
International Journal of Management and Business Economics Vol. 5 No. 1 (2026): October (Inpres)
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/ijmebe.v5i1.2315

Abstract

This study examined the relationship between production cost budgeting and perceived financial performance at Seblak Soba, a culinary micro, small, and medium enterprise in Tasikmalaya. The study used a quantitative associative design with a survey method. The population consisted of 32 owners and employees directly involved in production and operations, all of whom were selected through saturated sampling. Data were collected through questionnaires supported by observation, interviews, and documentation. The questionnaire used a five-point Likert scale and the data were transformed using the Method of Successive Interval. Instrument quality was assessed through Pearson product-moment validity and Cronbach's alpha reliability tests. Data analysis included descriptive statistics, classical assumption tests, simple linear regression, coefficient of determination, and t testing using IBM SPSS. The results showed a positive and statistically significant association between production cost budgeting and perceived financial performance (B = 0.497; beta = 0.532; t = 3.445; p = 0.002). The regression equation was Y = 14.875 + 0.497X, with R2 = 0.283. Because the data were based on perceptions from 32 respondents within one business, the findings should be interpreted as a context-specific association rather than evidence of a causal increase in actual revenue.
Co-Authors Dasep Heriansyah Derri Benarli Nugraha Erna Nurhasanah Muhammad Anas Nia Kurniasih Rheza Pratama Seilla Monica Sri Jubaida Arifin Yudi Zatnika