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All Journal Sinkron : Jurnal dan Penelitian Teknik Informatika Jurnal Hukum Ekonomi Syariah Jurnal Nasional Komputasi dan Teknologi Informasi Al Ghafur : Jurnal Ilmiah Pengabdian Kepada Masyarakat Journal Serambi Engineering (JSE) Jurnal Mahkota Bisnis (Makbis)
Nuzula, Mukhsin
Universitas Jabal Ghafur
Aerospace Engineering Agriculture, Biological Sciences & Forestry Automotive Engineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Library & Information Science Neuroscience Transportation

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Critical Evaluation of Governance and Good Corporate Governance in Managing Mudharabah Deposits at Bank Aceh Muhammad Agmar Media; Marzuki Marzuki; Teuku Yasman Saputra; Mukhsin Nuzula
Jurnal Hukum Ekonomi Syariah Vol. 9 No. 2 (2025): Desember 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/y0g0ya75

Abstract

The management of mudharabah deposits at Bank Aceh Syariah presents governance challenges arising from limited coordination among the Board of Commissioners, the Board of Directors, and the Sharia Supervisory Board. This study investigates how these governance organs perform their supervisory, operational, and sharia compliance roles in managing deposit funds. Unlike previous studies that focus mainly on structural aspects of governance, this research highlights the practical gaps that emerge when strategic decision-making is dominated by a single governance organ. Using a qualitative approach, data were collected through interviews, observations, and document reviews. The findings show that although the governance structure appears adequate, its implementation is hindered by restricted information flow, the Directors’ dominance in strategic decisions, and the Sharia Supervisory Board’s limited substantive involvement. These insights provide a novel contribution by illustrating how governance dynamics directly shape intermediation effectiveness and sharia compliance. The study concludes that a more integrated governance framework is essential to strengthen accountability, enhance sharia alignment, and support regional economic development
Perancangan Sistem Keuangan Bumdesma untuk Pengelolaan Anggaran di Kecamatan Grong-Grong Berbasis Mobile Firdaus Firdaus; Muhammad Ichsan; Mukhsin Nuzula; Junaidi Salat
Jurnal Nasional Komputasi dan Teknologi Informasi (JNKTI) Vol 8, No 6 (2025): Desember 2025
Publisher : Program Studi Teknik Komputer, Fakultas Teknik. Universitas Serambi Mekkah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32672/jnkti.v8i6.10049

Abstract

Abstrak - BUMDesma (Badan Usaha Milik Desa Bersama) memiliki peran strategis dalam mendukung pertumbuhan ekonomi desa, khususnya melalui penyediaan layanan pinjaman modal bagi masyarakat. Namun, proses pengelolaan pinjaman di BUMDesma Kecamatan Grong-Grong masih dilakukan secara manual menggunakan buku catatan dan lembar kerja sederhana. Kondisi ini menimbulkan berbagai kendala seperti tingginya risiko kesalahan pencatatan, lambatnya proses pelaporan, serta rendahnya transparansi dan akuntabilitas keuangan. Penelitian ini bertujuan untuk merancang dan membangun sistem informasi pinjaman berbasis mobile yang mampu meningkatkan efisiensi, akurasi, dan transparansi dalam pengelolaan pinjaman BUMDesma. Pengembangan sistem dilakukan menggunakan teknologi React Native sebagai aplikasi mobile dan Laravel 11 API sebagai backend yang mengelola logika bisnis, validasi data, serta integrasi basis data. Lingkup sistem berfokus pada pencatatan data nasabah, pengajuan dan persetujuan pinjaman, pengelolaan jaminan, pencatatan pembayaran angsuran, serta penyusunan laporan pinjaman.Kata kunci : BUMDesma; simpan pinjam; sistem informasi; mobile; React Native; Laravel; manajemen keuangan; Abstract - BUMDesma (Badan Usaha Milik Desa Bersama or Joint Village-Owned Enterprise) plays a strategic role in supporting rural economic growth, particularly through the provision of capital loan services for the community. However, the loan management process at BUMDesma in Grong-Grong Subdistrict is still conducted manually using notebooks and simple spreadsheets. This condition leads to several issues, such as a high risk of recording errors, slow reporting processes, and low financial transparency and accountability. This research aims to design and develop a mobile-based loan information system that enhances efficiency, accuracy, and transparency in BUMDesma's loan management. The system is developed using React Native for the mobile application and Laravel 11 API for the backend, which handles business logic, data validation, and database integration. The system focuses on managing customer data, loan applications and approvals, collateral management, installment payment tracking, and loan report generation.Keywords: BUMDesma; savings and loans; information system; mobile; React Native; Laravel; financial management;
Co-Authors Fadhli, Teuku Fazira, Zetta Firdaus Firdaus Fitriyani Haiqal, Muhammad Heri Fajri, Heri Junaidi Salat Kahlil, Kahlil Marzuki Marzuki Marzuki Marzuki Media, M Agmar Media, Muhammad Agmar Muhammad Agmar Media Muhammad Ichsan Muhammad Ichsan Muhammad Yahya Novandri, Andri Salat, Junaidi Saputra, Teuku Yasman Sari, Cut Jora Setiawati, Cut lilis Teuku Yasman Saputra Yuwaldi Away