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All Journal ILTIZAM Journal of Sharia Economic Research Jurnal Disrupsi Bisnis ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING Al-Mizan: Jurnal Hukum Islam dan Ekonomi Syariah Golden Ratio of Auditing Research Jurnal Manajemen, Akuntansi, Ekonomi Indonesia Auditing Research Journal Money: Journal of Financial and Islamic Banking Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Nuraziza, Sania
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Keseimbangan Antara Inovasi Teknologi dan Kepatuhan Regulasi: Tantangan dalam Mengintegrasikan Artificial Intellegence (AI) dalam Manajemen Keuangan Nuraziza, Sania; Sudirman, Wahyu Febri Ramadhan
Money: Journal of Financial and Islamic Banking Vol. 2 No. 1 (2024)
Publisher : Program Studi Perbankan Syariah Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/money.v2i1.21438

Abstract

Integrasi AI dalam manajemen keuangan memunculkan tantangan signifikan dalam menjaga keseimbangan antara inovasi teknologi dan kepatuhan regulasi. Artikel ini bertujuan untuk menganalisis kompleksitas integrasi AI dalam manajemen keuangan dalam menjaga keseimbangan antara inovasi teknologi dan kepatuhan regulasi. Fokus utama adalah ketegangan antara fleksibilitas inovasi teknologi dan kebutuhan untuk mematuhi regulasi keuangan yang kompleks. Terdapat tiga tantangan utama yang diidentifikasi, yaitu ketidakpastian regulasi, risiko keamanan dan privasi data. Penelitian ini menggunakan metode studi literatur mencakup pencarian dan analisis sumber-sumber untama, termasuk jurnal, buku, dan laporan penelitian, untuk menyajikan gambaran komprehensif tentang isu-isu tersebut. Hasil penelitian menunjukkan pandangan mendalam tentang tantangan dan risiko yang muncul, sekaligus mengeksplorasi solusi strategis dan pendekatan teknologi untuk mengatasinya. Kontribusi utama artikel ini adalah menguraikan framework konseptual yang memadukan aspek kepatuhan regulasi dan inovasi AI dalam konteks manajemen keuangan serta memberikan pemahaman mendalam yang belum terakomodasi sebelumnya. Penelitian ini dapat memberikan panduan praktis bagi institusi keuangan untuk merancang strategi implementasi AI yang efektif, sekaligus mematuhi ketentuan regulasi, dan merangsang perkembangan literatur pada integrasi AI di sektor keuangan.
The influence of perceived quality and viral marketing on the decision to purchase Momoyo Ice Cream according to the Islamic business perspective Nurhayati, Nurhayati; Fadillah, M.Rizky; Selvina, Mia; Nuraziza, Sania
Indonesia Auditing Research Journal Vol. 13 No. 2 (2024): June: Auditing, Finance, IT Plan, IT Governance, Risk
Publisher : Institute of Accounting Research and Novation (IARN)

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

Abstract

This research aims to analyze the influence of perceived quality and viral marketing on purchasing decisions for Momoyo ice cream. The main problem in this research is that Momoyo is still unable to compete with other ice cream brands, especially brands that have previously been established in the market. The ice cream industry has experienced rapid development in the last few decades. The demand for ice cream continues to increase, especially in summer and in areas with hot climates. Consumers are not only looking for ice cream as a refreshing snack, but also as a product that provides experience and joy. This research uses an exploratory research method with a quantitative approach using the Lemeshow formula approach, with a fixed sample of 97 respondentswhich was distributed via Google Form which was tested using IBM SPSS Statistics 26.The research results show that the perceived quality variable (X1) has a positive and significant effect on purchasing decisions (Y). Meanwhile, for the second hypothesis (X2), viral marketing does not have a positive and significant effect on purchasing decisions (Y). In conclusion, perceived quality and viral marketing simultaneously influence purchasing decisions.
Analisis Pengaruh Upah dan Tingkat Pendidikan Terhadap Pasar Tenaga Kerja Indonesia: Perspektif Ekonomi Islam Wati, Risma; Ermawati , Liya; Nuraziza, Sania
ARBITRASE: Journal of Economics and Accounting Vol. 6 No. 1 (2025): July 2025
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/arbitrase.v6i1.2478

Abstract

The research is used to analyze the effect of minimum wage, educated labor and uneducated labor on the labor market in Indonesia in the perspective of Islamic economics for the period 2010-2024. This research focuses on Indonesia in a period of 15 years, starting from 2010-2024. This research focuses on Indonesia over a period of 15 years, starting from 2010-2024. All data used is obtained from the official website of the Indonesian Central Bureau of Statistics (BPS) and uses quantitative methods, and uses explanatory research as a research methodology. The author uses Eviews 10 technology to facilitate data processing. This research uses the Vector Error Correction Model (VECM) approach with the data used focused on Indonesia from 2010 to 2024 taken from the official website of BPS Indonesia. This study aims to gain an understanding of the causal relationship between the independent variables and the dependent variable (Y) Labor Market, the independent variables are (X1) Minimum Wage, (X2) Educated Labor and (X3) Uneducated Labor. The result obtained from this research is that the minimum wage has a significant negative effect in the long run on the labor market (coefficient value -7.48E-05), and has no effect in the short run on the labor market (coefficient value 2.06E-06). Educated labor has a positive significant effect in the long run on the labor market (coefficient value 2.40E05), but has no effect in the short run on the labor market (coefficient value -904E-08). Similar to the minimum wage, uneducated labor has a negative significant effect in the long run on the labor market (coefficient value -1.91E05), and has no effect in the short run (coefficient value 4.57E-09).
Effect of Financial Distress, Auditor Quality, and Tenure on Going Concern Audit Opinion with Opinion Shopping as Moderating Factor Jarot, Ahmad; Suhendar, S.; Nuraziza, Sania
Golden Ratio of Auditing Research Vol. 6 No. 1 (2026): July - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grar.v6i1.1449

Abstract

This study aims to examine the effect of financial distress, auditor quality, and auditor-client tenure on going concern audit opinion, with opinion shopping as a moderating variable. This research is motivated by the inconsistency of previous findings and the need to explore managerial opportunism through auditor switching behavior. The study population comprises companies in the consumer goods sector listed on the Indonesia Stock Exchange (IDX) from 2020 to 2024. The sample selection was conducted using purposive sampling, resulting in 10 companies with 50 firm-year observations. The data were analyzed using Moderated Regression Analysis (MRA). The results indicate that financial distress, auditor quality, and auditor-client tenure have a significant impact on the going concern audit opinion. Additionally, opinion shopping significantly moderates the effect of auditor quality and auditor-client tenure on going concern opinion, but does not moderate the effect of financial distress. This study contributes to the literature by integrating opinion shopping as a moderating variable, an approach that remains underexplored, particularly in the consumer goods sector. Practical implications include reinforcing auditor independence and rotation policies to mitigate audit bias.
Peran Brand Trust dalam Memediasi Pengaruh Religious-Centric Product Strategy dan Customer Perceived Value terhadap Purchase Intention Pada Produk Fesyen Syariah di Bandar Lampung Soraya, Apnes Indra; Suhendar, Suhendar; Nuraziza, Sania
Jurnal Disrupsi Bisnis Vol. 8 No. 6 (2025): Jurnal Disrupsi Bisnis
Publisher : Prodi Manajemen, Fakultas Ekonomi, Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/drb.v8i6.54086

Abstract

Perkembangan pesat industri fesyen syariah di Indonesia menghadapi tantangan rendahnya Purchase Intention konsumen terhadap produk lokal. Penelitian ini bertujuan menguji peran mediasi Brand Trust dalam mengintegrasikan Religious-Centric Product Strategy dan Customer Perceived Value terhadap Purchase Intention. Penelitian kuantitatif ini menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) pada 100 responden konsumen fesyen syariah di Bandar Lampung melalui teknik purposive sampling. ​Hasil analisis jalur dan mediasi menunjukkan bahwa: Religious-Centric Product Strategy  tidak berpengaruh signifikan terhadap Purchase Intention secara langsung (original sampel = 0,006; p values =0,954), namun berpengaruh positif signifikan terhadap Brand Trust (original sampel = 0,348; p=0,000). Customer Perceived Value  berpengaruh positif dan signifikan terhadap Brand Trust (original sampel = 0,535; p=0,000) dan Purchase Intention secara langsung (original sampel = 0,419; p=0,000).  Brand Trust terbukti menjadi variabel mediasi penuh dan parsial yang signifikan dalam pengaruh tidak langsung Religious-Centric Product Strategy  (original sampel =0,119; p=0,009) dan Customer Perceived Value  (original sampel =0,120; p=0,012) terhadap Purchase Intention. Secara keseluruhan, model struktural menunjukkan bahwa Religious-Centric Product Strategy , Customer Perceived Value , dan Brand Trust mampu menjelaskan 45,7% varian Purchase Intention (R-Square=0,457). ​Simpulannya, peningkatan niat beli konsumen sangat ditentukan oleh tingkat kepercayaan terhadap merek, yang bertindak sebagai jembatan penting antara strategi religius dan persepsi nilai. Temuan ini mengimplikasikan bahwa pelaku usaha fesyen syariah perlu memprioritaskan pembangunan Brand Trust yang konsisten (melalui strategi religius dan peningkatan nilai konsumen) sebagai kunci untuk mengkonversi potensi pasar menjadi niat beli yang nyata.
Analisis Pengaruh Pertumbuhan Ekonomi, Rasio Beban Ketergantungan Penduduk dan IPM TerhadapKetimpangan Pendapatan di SumbagselPerspektif Ekonomi Islam Setiawan, Aris; iqbal, Muhammad; Nuraziza, Sania
ILTIZAM Journal of Shariah Economics Research Vol. 9 No. 2 (2025): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/fc61v743

Abstract

From an Islamic economics vantage point, this research intends to examine the impact of population dependence ratio, economic development, and the Human Development Index (HDI) on income disparity in Sumbagsel, a region in southern Sumatra.  Panel data from six Sumbagsel provinces spanning 2015–2024 form the basis of this study.  The data was analyzed with the help of EViews 12.  Income inequality is positively and significantly affected by the dependence ratio, and negatively and significantly by the HDI, according to the data.  At the same time, there is no discernible impact from economic expansion.  With a combined F-statistic likelihood value of 0.0000, all three factors were determined to significantly impact income inequality. These findings suggest that improving the quality of human development can help reduce inequality, whereas a high dependency ratio tends to widen it. From the Islamic economic perspective, equitable development through the enhancement of human resources and fair distribution is a core principle in promoting just and sustainable growth. Keywords: Income Inequality, Economic Growth, Dependency Ratio, HDI, Islamic Economics
Pengaruh Tarif Perdagangan, Nilai Tukar dan Produk Domestik Bruto Terhadap Ekspor Produk Pertanian Indonesia Ke 5 Negara Asean dalam Prespektif Ekonomi Islam Tahun 2015-2024 Setiani, Karina; Nuraziza, Sania; Kurniati, Erlin
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i1.9991

Abstract

Agricultural product exports are closely related to trade tariffs, exchange rates, and gross domestic product. This study aims to analyze the influence of trade tariffs, exchange rates, and gross domestic product on agricultural product exports to ASEAN countries from an Islamic economic perspective. The research method used in this study is quantitative, presented in the form of panel data from five ASEAN member countries with a purposive sampling technique in data selection. The results of this study indicate that the trade tariff variable has a negative and significant effect on Indonesian agricultural exports, the exchange rate variable has a negative and significant effect on Indonesian agricultural product exports, and the GDP variable has a positive and significant effect on Indonesian agricultural product exports. In Islamic economics, exports and international trade must be in accordance with sharia, emphasizing halal (permissible), justice, and blessings. Goods or services traded must be halal (permissible), beneficial, and not detrimental to society or the environment. Trade contracts must be transparent, free from usury, gharar (unlawful), and fraud, while sharf (sharf) is carried out in cash and clearly. Trade tariffs are permitted to protect domestic interests fairly. The Islamic economic approach assesses economic activity from the perspective of its benefits, blessings, and suitability to the maqashid al-shariah, not just GDP.
The Effect of Perceived Quality and Perceived Value on Repurchase Intention in Consumers of Chicken Salto Products with Customer Satisfaction as a Mediation Variable in an Islamic Business Perspective (Study on Consumers of Salto Chicken Bandar Lampung) Agustin, Jihan; Anita, Siska Yuli; Nuraziza, Sania
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.631

Abstract

This study aims to examine how Perceived Quality and Perceived Value relate to Repurchase Intention, mediated by Customer Satisfaction, among consumers of chicken salto products. This study uses an exploratory method with a quantitative approach, with a sample size of 96 respondents and data analysis using Structural Equation Modelling (SEM) and Partial Least Square (PLS) analysis techniques. The findings of this study indicate a positive and significant effect on the relationship between Perceived Value and Repurchase Intention, Perceived Quality and Customer Satisfaction, Perceived Value and Customer Satisfaction, Customer Satisfaction and Repurchase Intention, Customer Satisfaction mediating the effect of Perceived Quality on Repurchase Intention, and Customer Satisfaction mediating the effect of Perceived Value on Repurchase Intention. Additionally, there are results that do not affect the relationship between Perceived Quality and Repurchase Intention.
Determinan Kecepatan Peredaran Uang (Velocity Of Money) Di Indonesia: Perspektif Ekonomi Islam (2014-2024) Chantika Rinjani, Ajeng; Madnasir; Nuraziza, Sania
Al-Mizan Vol 12 No 2 (2025): Al-Mizan
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam (IAI) Al-Aziziyah Samalanga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54621/jiam.v12i2.1128

Abstract

Kecepatan peredaran uang mencerminkan seberapa cepat uang beredar dalam suatu perekonomian dan berfungsi sebagai indikator efisiensi moneter. Fluktuasi kecepatan peredaran uang (VOM) di Indonesia selama periode 2014–2024 menunjukkan dinamika ekonomi yang dipengaruhi oleh variabel-variabel makroekonomi, yaitu Indeks Harga Konsumen (IHK), inflasi, dan Produk Domestik Bruto (PDB). Penelitian ini bertujuan untuk menganalisis pengaruh variabel-variabel tersebut terhadap kecepatan peredaran uang dalam perspektif ekonomi Islam, yang menekankan pentingnya peredaran uang secara produktif di sektor riil guna mewujudkan keadilan dan kesejahteraan. Penelitian ini didasarkan pada Teori Kuantitas Uang, Teori Preferensi Likuiditas, dan Teori Pertumbuhan Ekonomi, yang diintegrasikan dengan prinsip-prinsip ekonomi Islam, yaitu hifz al-mal (perlindungan harta) dan ‘adl (keadilan dalam distribusi). Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan desain kausal-asosiatif, menggunakan data sekunder yang bersumber dari Badan Pusat Statistik (BPS) dan Bank Indonesia untuk periode 2014–2024. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan perangkat lunak E-Views 13. Hasil penelitian menunjukkan bahwa IHK berpengaruh signifikan terhadap kecepatan peredaran uang, sedangkan inflasi dan PDB tidak berpengaruh signifikan secara parsial. Namun demikian, secara simultan ketiga variabel tersebut berpengaruh signifikan terhadap kecepatan peredaran uang. Temuan ini menegaskan bahwa dalam perspektif ekonomi Islam, stabilitas harga dan peredaran uang yang produktif di sektor riil merupakan kunci dalam menjaga stabilitas moneter dan mewujudkan distribusi ekonomi yang adil.
Pengaruh Profitabilitas Terhadap Return Saham Dengan Nilai Perusahaan Sebagai Variabel Mediasi Pada Jakarta Islamic Indeks (JII) Sektor Industri Barang Konsumsi Periode 2019–2024 Triaa , Nadila; Anita, Siska Yuli; Nuraziza, Sania
Jurnal Manajemen, Akuntansi, Ekonomi Vol. 4 No. 3 (2026): Jurnal Manajemen, Akuntansi, Ekonomi
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jmae.v4i3.1812

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh profitabilitas terhadap return saham dengan nilai perusahaan sebagai variabel mediasi pada sektor industri barang konsumsi yang tergabung dalam Jakarta Islamic Index (JII) periode 2019–2024. Profitabilitas diukur menggunakan Return on Assets (ROA), nilai perusahaan menggunakan Price to Book Value (PBV), dan return saham dihitung berdasarkan selisih harga saham akhir periode. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder yang diperoleh dari laporan keuangan tahunan dan publikasi Bursa Efek Indonesia. Sampel terdiri dari lima perusahaan yang dipilih melalui metode purposive sampling. Analisis data menggunakan regresi berganda dan uji mediasi (Sobel Test). Hasil penelitian secara eksplisit menunjukkan bahwa profitabilitas berpengaruh positif terhadap nilai perusahaan, tetapi tidak memiliki pengaruh langsung terhadap return saham. Selain itu, nilai perusahaan tidak berperan sebagai variabel mediasi dalam hubungan antara profitabilitas dan return saham. Temuan ini menegaskan bahwa peningkatan laba perusahaan hanya akan berdampak pada return saham jika diikuti oleh persepsi pasar yang positif, yang tercermin dalam peningkatan nilai perusahaan.
Co-Authors Abda Abda Agustin, Jihan Chantika Rinjani, Ajeng Ermawati , Liya Ersi Sisdianto Fadillah, M.Rizky Herninov Resti, Chinthia Jarot, Ahmad Kurniati, Erlin Madnasir Mia Selvina Muhammad Iqbal Nurhayati Nurhayati Setiani, Karina Siska Yuli Anita Soraya, Apnes Indra Suhendar Suhendar, Suhendar Suhendar, S. Triaa , Nadila Wahyu Febri Ramadhan Sudirman Wati, Risma