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All Journal ILTIZAM Journal of Sharia Economic Research Jurnal Disrupsi Bisnis ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING Golden Ratio of Auditing Research Indonesia Auditing Research Journal Money: Journal of Financial and Islamic Banking
Nuraziza, Sania
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences

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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
Co-Authors Aris Setiawan Ermawati , Liya Fadillah, M.Rizky Jarot, Ahmad Mia Selvina Muhammad Iqbal Nurhayati Nurhayati Soraya, Apnes Indra Suhendar Suhendar, Suhendar Suhendar, S. Wahyu Febri Ramadhan Sudirman Wati, Risma