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Analysis of the Implementation of Digitalization of Financial Statements in Micro, Small, and Medium Enterprises Susilowati, Eni; Andrean Permadi; Sri Hariyanti; Misbahul Munir; Agus Wahyudi
Open Access Indonesia Journal of Social Sciences Vol. 6 No. 4 (2023): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v6i4.170

Micro, small, and medium enterprises (MSMEs) that use a digitalized financial reporting system can gain easier access to financial services. Structured and accurate financial reports can assist them in applying for loans or obtaining financial support from financial institutions or investors. This study aimed to explore the use of digitizing financial reports for MSMEs in Tulungagung Regency, Indonesia. This study is qualitative observational research. The data used in this study are primary data and secondary data. As many as 30 MSMEs in the culinary field, which are still operating in Tulungagung in 2023, were included in this study. MSMEs are not yet optimal in utilizing digitization due to several reasons, including limited MSME resources, lack of understanding, and limited knowledge of MSME owners who may not have sufficient understanding of the benefits and process of digitizing financial statements and fear of data security and confidentiality. MSMEs may worry about the security of their data when using digitization systems, preference for conventional methods, implementation of digitization systems requires adjustment and integration with existing systems in MSMEs, technical challenges such as inadequate technological infrastructure, limited internet access, or lack of technical skills in operating the system can be an obstacle for MSMEs to use digitization of financial statements.

Analysis of the Implementation of Digitalization of Financial Statements in Micro, Small, and Medium Enterprises Susilowati, Eni; Andrean Permadi; Sri Hariyanti; Misbahul Munir; Agus Wahyudi
Open Access Indonesia Journal of Social Sciences Vol. 6 No. 4 (2023): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v6i4.170

Micro, small, and medium enterprises (MSMEs) that use a digitalized financial reporting system can gain easier access to financial services. Structured and accurate financial reports can assist them in applying for loans or obtaining financial support from financial institutions or investors. This study aimed to explore the use of digitizing financial reports for MSMEs in Tulungagung Regency, Indonesia. This study is qualitative observational research. The data used in this study are primary data and secondary data. As many as 30 MSMEs in the culinary field, which are still operating in Tulungagung in 2023, were included in this study. MSMEs are not yet optimal in utilizing digitization due to several reasons, including limited MSME resources, lack of understanding, and limited knowledge of MSME owners who may not have sufficient understanding of the benefits and process of digitizing financial statements and fear of data security and confidentiality. MSMEs may worry about the security of their data when using digitization systems, preference for conventional methods, implementation of digitization systems requires adjustment and integration with existing systems in MSMEs, technical challenges such as inadequate technological infrastructure, limited internet access, or lack of technical skills in operating the system can be an obstacle for MSMEs to use digitization of financial statements.

Zakat Calculator Application: Enhancing the Academic Performance of Islamic Economics Students Yusuf, Saifudin; Imam Nur Ngaini; Andrean Permadi; Wahidatun Nafiah Al; Hardining Estu M
Open Access Indonesia Journal of Social Sciences Vol. 8 No. 1 (2025): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v8i1.285

Zakat holds profound significance in the Muslim community. Its intricate calculations and diverse categories, however, often pose challenges for individuals striving to fulfill this religious obligation accurately. This research investigates the design, development, and impact of a Zakat Calculator Application on Islamic economics students' academic performance at UNU Blitar. By leveraging technology, this study aims to bridge the gap between traditional learning methods and the evolving needs of students in grasping the complexities of zakat. ADDIE development model (Analysis, Design, Development, Implementation, and Evaluation) guided the application's creation and evaluation. A sample of 60 students from a population of 90 was selected through simple random sampling. Data analysis involved descriptive statistics and an independent two-sample t-test to compare the performance of students using the application with those relying on traditional lecture and discussion methods. The Zakat Calculator Application demonstrated high validity and effectiveness. Expert evaluations yielded excellent scores (media experts: 96.25%, material and strategy experts: 95.55%, curriculum practitioners: 94.69%, lesson plan experts: 92.00%). The t-test results revealed significant improvement in academic performance for students using the application. The experimental group achieved a high academic performance level of 87.5%, compared to 50.5% in the control group. In conclusion, Zakat Calculator Application effectively enhances the academic performance of Islamic economics students. It simplifies zakat calculations, improves understanding of zakat regulations, and promotes compliance with Islamic principles. The application is recommended as a valuable learning tool in Islamic economics education.

Zakat Calculator Application: Enhancing the Academic Performance of Islamic Economics Students Yusuf, Saifudin; Imam Nur Ngaini; Andrean Permadi; Wahidatun Nafiah Al; Hardining Estu M
Open Access Indonesia Journal of Social Sciences Vol. 8 No. 1 (2025): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v8i1.285

Zakat holds profound significance in the Muslim community. Its intricate calculations and diverse categories, however, often pose challenges for individuals striving to fulfill this religious obligation accurately. This research investigates the design, development, and impact of a Zakat Calculator Application on Islamic economics students' academic performance at UNU Blitar. By leveraging technology, this study aims to bridge the gap between traditional learning methods and the evolving needs of students in grasping the complexities of zakat. ADDIE development model (Analysis, Design, Development, Implementation, and Evaluation) guided the application's creation and evaluation. A sample of 60 students from a population of 90 was selected through simple random sampling. Data analysis involved descriptive statistics and an independent two-sample t-test to compare the performance of students using the application with those relying on traditional lecture and discussion methods. The Zakat Calculator Application demonstrated high validity and effectiveness. Expert evaluations yielded excellent scores (media experts: 96.25%, material and strategy experts: 95.55%, curriculum practitioners: 94.69%, lesson plan experts: 92.00%). The t-test results revealed significant improvement in academic performance for students using the application. The experimental group achieved a high academic performance level of 87.5%, compared to 50.5% in the control group. In conclusion, Zakat Calculator Application effectively enhances the academic performance of Islamic economics students. It simplifies zakat calculations, improves understanding of zakat regulations, and promotes compliance with Islamic principles. The application is recommended as a valuable learning tool in Islamic economics education.

The Islamic Financial System as a Solution to Poverty Problems in Indonesia Wahidatun Nafiah Alfarda; Saifudin Yusuf; Hardining Estu M; Imam Nur Ngaini; Andrean Permadi
El-Qish: Journal of Islamic Economics Vol. 4 No. 2 (2024): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar

Poverty is one of the main challenges faced by Indonesia, a country rich in natural resources and human potential. The presence of Islamic financial system is considered suitable for poverty alleviation programs. Islamic economics adheres to the principle of synergy (ta'awun) by creating economic justice to equalize the distribution of income and wealth, which is the goal of Islamic financial system. This research is a qualitative study with an inductive reasoning approach through a library research process. The data sources used to build the concept are secondary data derived from previous research in the form of articles discussing poverty. The research results show that the poverty rate in Indonesia tends to decrease from year to year. Market and banksbased industry have philosophical principles and operational bases that are integrated with social values and economic activities. Poverty will be reduced if all elements of society work together to support programs originating from the government and from other institutions, such as banking support for poverty alleviation.

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