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All Journal Journal of Sharia Economics JIMEBIS Horizon: Indonesian Journal of Multidisciplinary Jurnal Pengabdian Masyarakat ISEI
Evriyenni
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences Other

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Mapping Potensi Zakat di Desa Gunung Bungsu Evriyenni; Muksal; Analiansyah; Hasnita, Nevi; Inayatillah; Isnaliana; Cahyani, Aulia Dwi Oktavia; Zakiiya, Ghulaman
Jurnal Pengabdian Masyarakat Isei Vol. 1 No. 1 (2023): Jurnal Pengabdian Masyarakat Isei
Publisher : ISEI Cabang Pekanbaru, Koordinator Provinsi Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46750/abdimasisei.v1i1.153

Abstract

Zakat management in Indonesia is regulated in Law Number 23 of 2011 concerning Zakat Management and Government Regulation (PP) Number 14 of 2014 concerning the Implementation of the Zakat Management Law. Zakat Management Institution in the Village Limited human resources and lack of managerial skills make the motivation to maximize the role of the existing Zakat Institution in Bungsu Village. For 3 days, Village Officials and the Community of Gunung Bungsu Village in XIII Koto Kampar District, Kampar Regency, Riau Province. FGD with service participants directly about economic problems, regional / natural resources potential, and the concept of zakat, as well as simulating the calculation, reporting and accounting of zakat. In addition to mentoring, it also involves expert lecturers in the field of zakat from UIN Ar Raniry Banda Aceh and from UIN Suska RIAU to provide an understanding of both fiqh, management, and application of professional management of zakat institutions
PERAN LITERASI RISIKO SYARIAH DAN EFIKASI DIRI DIGITAL DALAM PENCEGAHAN PINJAMAN ONLINE ILEGAL Amrie, Intan Safayana; Evriyenni; Azimah Dianah
Journal of Sharia Economics Vol. 7 No. 1 (2026): Islamic Economics
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v7i1.9817

Abstract

The rapid expansion of digital financial technology has significantly accelerated the adoption of online lending services in Indonesia. Alongside these advancements, however, there has been a concerning proliferation of illegal online lending platforms, including those falsely claiming compliance with sharia principles. This trend reflects a persistent gap in public understanding of sharia-related financial risks, as well as limited individual capacity to critically evaluate the security and legitimacy of digital financial services. This study investigates the role of sharia risk literacy and digital self-efficacy in mitigating engagement with illegal online lending among students of the Faculty of Economics and Islamic Business at Ar-Raniry State Islamic University, Banda Aceh. Employing a quantitative approach, the research examines how cognitive competence and individual belief systems influence prudent financial decision-making in accordance with sharia principles within a digital context. The findings are expected to demonstrate that higher levels of sharia risk literacy and digital self-efficacy significantly contribute to safer financial behavior and reduce vulnerability to fraudulent lending practices. Theoretically, this study enriches the discourse on Islamic financial literacy by integrating behavioral and cognitive dimensions. Practically, it offers strategic insights for regulators, higher education institutions, and Islamic fintech developers to design more effective educational interventions and regulatory frameworks aimed at preventing illegal online lending in the digital economy
Dampak Adopsi QRIS Pada UMKM Sektor Food and Beverage Di Banda Aceh Nanda, Teuku Syifa Fadrizha; Evriyenni; Rahmi
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 4 No. 2 (2023): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jimebis.v4i2.435

Abstract

Advances in information technology have driven transformations in payment systems, and the COVID-19 pandemic serves as a catalyst for the financial services industry worldwide to accelerate shifts in payment systems toward cashless payment systems. Ironically, a preliminary study conducted among MSMEs in the food and beverage (F&B) sector in Banda Aceh indicated that utilization of QRIS is considerably low, with only 20% indicating that the intensity of customer transactions through QRIS is rated medium to high and 80% indicating low intensity. This phenomenon drove this study to investigate the impact and challenges associated with utilizing QRIS as an alternative payment system in the F&B industry in Banda Aceh. We investigated this issue employing a descriptive qualitative approach, and data was collected on MSME owners in the designated industry in Banda Aceh by performing observation, interviews, and documentation. Afterwards, the collected data were analyzed using Nvivo 12. According to the findings of this study, adopting QRIS in the payment system increases the ease of transaction, business operational efficiency, and rapid access to transaction data. However, the adoption of QRIS among MSMEs in (F&B) industry in Banda Aceh is relatively low. Some challenges in adopting QRIS have lagged interconnectivity between payment aggregators, disrupting the transaction process and delaying customer transaction payments. During hectic seasons such as weekends, national holidays, and religious holiday, the intensity of these technical obstacles frequently increases. Aside from that, public awareness and acceptance of electronic payment transactions remain low due to city dwellers’ lack of digital financial literacy.
Pengaruh Non-Performing Financing (NPF), Financing To-Deposit Ratio (FDR), dan Operating Expense Ratio (Oer), Terhadap Return on Assets (ROA) Pada Bank Umum Syariah di Indonesia Periode 2021-2025 Al'Adyaat, Muhammad; Evriyenni; Riza, Akmal
HORIZON: Indonesian Journal of Multidisciplinary Vol. 4 No. 4 (2026): HORIZON: Indonesian Journal of Multidisciplinary
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/hijm.v4i4.7356

Abstract

Return on Assets (ROA) is a crucial indicator for measuring the profitability of Sharia Commercial Banks (BUS), as it reflects a bank's ability to generate profit from its managed assets. BUS profitability can be influenced by financing quality, the capacity to distribute funds, and operational efficiency—factors respectively reflected by the Non-Performing Financing (NPF) ratio, Financing to Deposit Ratio (FDR), and Operating Expense Ratio (OER). This study aims to analyze the impact of NPF, FDR, and OER on the ROA of Sharia Commercial Banks in Indonesia. It employs a quantitative, associative research approach. The study utilizes secondary data from annual financial reports covering the 2021–2025 period, comprising 59 observations, and applies multiple linear regression analysis. The results indicate that while NPF does not have a significant effect on ROA, both FDR and OER do. Collectively, the three variables explain 26% of the variation in ROA. These findings suggest that BUS profitability is more closely linked to the effectiveness of financing distribution and operational efficiency; consequently, management should prioritize these two aspects to enhance the bank's profitability performance.
Co-Authors Akmal Riza Al'Adyaat, Muhammad Amrie, Intan Safayana Analiansyah Azimah Dianah Cahyani, Aulia Dwi Oktavia Hasnita, Nevi Isnaliana Isnaliana Muksal Muksal Nanda, Teuku Syifa Fadrizha Rahmi Rony, Zahara Tussoleha Zakiiya, Ghulaman