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Analisis Keberhasilan Sistem Taqsith Emas: Studi Empiris dari Perspektif Syariah Saiful Bahgia
SETYAKI : Jurnal Studi Keagamaan Islam Vol. 2 No. 3 (2024): AGUSTUS
Publisher : CV Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/setyaki.v2i3.1163

Abstract

This study examines the practice of gold buying and selling on credit in Pidie Regency, Indonesia. As a precious metal, gold has various uses, from jewelry to investment, and its rising value encourages many to use it as a savings instrument. Indonesia, a major gold producer, experiences price fluctuations driven by supply, demand, and the US dollar. With evolving business practices, credit transactions have become common, including in gold trading. Using a descriptive qualitative approach, the research explores processes, actors, and market dynamics in credit-based gold transactions. The findings reveal that these transactions involve selling gold above market prices with specific payment terms, offering traders the flexibility to resell and meet capital needs quickly. Gold remains a preferred investment due to its stable value and inflation resistance, now more accessible through digital platforms. Despite installment options, gold transactions in Kota Sigli largely adhere to Sharia principles, involving either cash payments or interest-free installments where the gold is held until fully paid. This approach prevents interest-based practices, ensuring transactions align with Islamic finance principles.
THE ROLE OF LIBRARIANS IN IMPROVING COMMUNITY PRODUCTIVITY OF MSME ACTORS AND ACCELERATING DIGITAL LIBRARY TRANSFORMATION IN ACEH Saiful Bahgia; Hasbi
JURNAL KREASI RAKYAT Vol. 1 No. 1 (2023): February - April
Publisher : Lembaga Riset dan Inovasi Kreyat Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (211.553 KB) | DOI: 10.64617/kreyat.v1i1.1-10

Abstract

The library as a vehicle for lifelong learning develops the potential of the community and educates the nation's life. In accelerating digital transformation to increase the productivity of UMKM actors in Aceh, the role of librarians is needed to be maximized in Aceh. This is because social media is the main source of the public in accessing the various information needed. As the main pioneer in the success of digital libraries, the role of librarians as information providers and services is needed to contribute to the progress of digital libraries in Aceh, especially for UMKM actors to take advantage of their gedget to access various kinds of references in digital libraries (e-Liberary) in developing its business. Librarians here are spearheads in providing digital literacy to the public, to minimize news and information that is hoax, misuse of social media and other cyber access during the pandemic and post-pandemic. The acceleration of Digital Library Transformation is expected to be able to stimulate Indonesia's economic growth, the creation of new jobs and the realization of the implementation of the Job Creation Law on the empowerment, guidance, and protection of UMKM in Indonesia.
COMMUNITY DIGITAL ENTREPRENEURSHIP TRAINING AS A SOLUTION TO ECONOMIC RECOVERY IN ACEH Hasbi; Saiful Bahgia; Ajrul Amilin; Armanda Butar Butar
JURNAL KREASI RAKYAT Vol. 1 No. 1 (2023): February - April
Publisher : Lembaga Riset dan Inovasi Kreyat Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (224.001 KB) | DOI: 10.64617/kreyat.v1i1.11-18

Abstract

The COVID-19 pandemic has paralyzed the Indonesian economy both regionally and nationally and even at the international level. The impact of this pandemic is a big problem for the nation today, and the big problems facing the Indonesian people right now are unemployment and poverty. The poverty rate in Indonesia has jumped drastically since Indonesia was hit by the Covid-19 pandemic in 2020, many productive people in Indonesia have lost jobs, so many unemployed people have created new problems, namely poverty and unemployment. Community Digital Entrepreneurship Assistance aims to increase community productivity and welfare and increase Literacy, insight, and understanding of digital-based Entrepreneurship; There is good and measurable planning for the community in starting an entrepreneurial plan; Creation of new jobs for people of productive age; Suppressing the growth rate of poverty and unemployment in Aceh. The method of implementing the activity is in the form of technical guidance and the formation of community digital groups/communities which produce the outputs of this activity are a formation of a digital entrepreneur community (Digital Entrepreneur Community) and team consolidation and digital-based entrepreneurship technical guidance.
PEMANFAATAN FASILITAS  SERTIFIKAT HALAL JALUR SELF DECLARE UNTUK PELAKU USAHA MIKRO DAN KECIL DI ACEH Saiful Bahgia; Hasbi; Hamdani
JURNAL KREASI RAKYAT Vol. 1 No. 3 (2023): August - Oktober
Publisher : Lembaga Riset dan Inovasi Kreyat Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64617/kreyat.v1i3.209-236

Abstract

This activity aims to facilitate one of the distribution permits for micro and small business products, namely free halal certification for micro and small business actors. The micro-business actors involved and taking part in the activities are business actors in Banda Aceh, Aceh Besar, Pidie, Aceh Jaya, and Southeast Aceh, totaling 25 micro and small business actors (UMK). Facilitate the application of 20 Free Halal Certificates (SH) for MSEs in Aceh. The results of this activity are: educating the MSME community about the importance of distribution permits; MSEs understand the procedures for Halal Product Processing (PPH); The MSE community understands the procedures for applying for SH through the SEHATI 2023 Program, the self-declare route on a SIHALAL account. Free SH counseling and assistance for MSE products in Aceh can increase product marketing and increase public enthusiasm for obtaining halal certificates.
MEKANISME DEPOSITO DENGAN METODE AUTOMATIC ROLL  OVER PADA PT. BANK ACEH SYARIAH KANTOR CABANG PEMBANTU (KCP) BALAI KOTA BANDA ACEH Heri Syaputra; Saiful Bahgia
JURNAL KREASI RAKYAT Vol. 2 No. 1 (2024): February - April
Publisher : Lembaga Riset dan Inovasi Kreyat Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64617/kreyat.v2i1.44-68

Abstract

The Deposit Mechanism is a stage carried out or implemented by a company to explain deposits regularly and systematically to provide services to make it easier for customers to invest deposit funds. The Deposit Mechanism is contained in the SOP that has been established so that all activities in a company run smoothly. This research aims to find out how the Deposit Mechanism with Automatic rollover is implemented by PT Bank Aceh Syariah Sub Branch Office (KCP) Banda Aceh City Hall which is given to its customers. In conducting this research, the researcher used a qualitative descriptive research method to find out what the Automatic Roll Over Deposit Mechanism is and also to get clear information about each indicator that will be studied, especially those related to deposits. The data collection techniques used in this research are primary and secondary data types. The data collection methods used were interviews, observation, and documentation. Judging from the research results obtained by the author, it can be concluded that the Deposit Mechanism with Automatic Roll Over implemented by PT Bank Aceh Syariah Sub Branch Office (KCP) Banda Aceh City Hall has been running quite well, this is indicated by the existence of an SOP regarding the deposit mechanism which are determined and implemented by PT Bank Aceh Syariah are in line with statutory regulations and do not conflict legally or theoretically. However, in this case, PT Bank Aceh Syariah must maintain and maintain the quality of service so that it continues to run well and can continue to improve the quality of service, especially regarding the deposit mechanism so that it can run even better.
Pengaruh Profitability dan Leverage terhadap Nilai Perusahaan Saiful Bahgia; Azlina
HEI EMA : Jurnal Riset Hukum, Ekonomi Islam, Ekonomi, Manajemen dan Akuntansi Vol. 1 No. 2 (2022): Juli
Publisher : Prodi Hukum Ekonomi Syariah, STI Syariah AL-Hilal SIgli

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (187.003 KB) | DOI: 10.61393/heiema.v1i2.70

Abstract

The purpose of this study is to examine the effect of profitability and leverage, either partially or jointly, on firm value in the construction of companies listed on the Indonesia Stock Exchange in 2017-2021. The data analysis method in this study uses multiple linear regression to predict the effect of the independent variables. The population in this study was the construction of the Indonesia Stock Exchange company building in 2017-2021, then 11 samples were obtained with 5 years of observation and 55 observations were obtained according to the criteria. The results showed that profitability and leverage, both simultaneously and partially, affected the value of the company's building construction companies listed on the Indonesia Stock Exchange for that period. Profitability affects the value of the company, this shows that high profits will lead to an increase in business value. Leverage does not affect firm value, this shows that a high level of leverage does not affect the number of short-term and long-term debts that must be paid off by the company.
DAMPAK PASAR AL-MAHIRAH TERHADAP SOSIAL EKONOMI PEDAGANG KOTA BANDA ACEH Hasbi; Saiful Bahgia; Hamdani
JURNAL KREASI RAKYAT Vol. 1 No. 4 (2023): November - January
Publisher : Lembaga Riset dan Inovasi Kreyat Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64617/kreyat.v1i4.290-319

Abstract

Al-Mahirah Market is built on two hectares of land. The market has six main buildings intended for poultry markets, meat markets, seasoning markets, vegetable markets, and fish markets, respectively. As a people's market and located on Jl. Syiah Kuala, Gampong Lamdingin, Kuta Alam District, Banda Aceh City. Al-Mahirah Market is a people's market resulting from the relocation of Peunayong Market, Kartini Market, and SMEP Market. This study aims to find out the perception of traders towards the development of Al-Mahirah Market and to determine the socioeconomic impact on these market traders. This research method is survey research using a quantitative descriptive analysis approach. The impact of Al-Mahirah Market on the socioeconomics of traders varies according to the perception of the trader used as a sample. Traders' perception of social impact is 62% casual and 18% have a good impact and as many as 20% give a bad perception of the impact experienced by traders. Labor Absorption, which is the capacity of the number of traders accommodated in the Al-Mahirah market in addition to traders relocated from the old market, which is 8.31%, the construction of Al-Mahirah Market provides a good map in facilitating new jobs for the residents of Banda Aceh City. Economic conditions based on the income of traders have not been able to have a significant impact on the development of Al-Mahirah Market, this is evidenced by the fact that most 75% of traders of medium income and 21% of traders have low incomes. The average economic condition of the market trader is based on income ranging from IDR1,500,000 to IDR2,500,000 per month and as many as 21% of traders have incomes below IDR1,500,000 per month.
PERAN HIKAYAT ACEH SEBAGAI MEDIA DALAM PELESTARIAN DAN PEMAJUAN BUDAYA LOKAL Hasbi; Saiful Bahgia
JURNAL KREASI RAKYAT Vol. 2 No. 2 (2024): May - July
Publisher : Lembaga Riset dan Inovasi Kreyat Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64617/kreyat.v2i2.95-105

Abstract

This study aims to analyze the role of Hikayat Aceh as a medium for preserving and advancing local Acehnese culture. Hikayat Aceh is a classic literary work that contains historical, religious, social, and customary values ​​of the Acehnese people during the heyday of the Aceh Sultanate. Through a qualitative approach with literature study and content analysis methods, this study found that Hikayat Aceh plays an important role in documenting the cultural identity of the Acehnese people, including language, value systems, leadership, and local traditions. In addition, this saga also has great potential in character education, especially in instilling religious values, leadership, patriotism, and social ethics in the younger generation. However, the preservation of this saga faces various challenges such as low interest in reading classical literature, lack of integration in the education curriculum, and minimal digitization of manuscripts. Therefore, collaborative efforts are needed between the government, academics, and the community to revive the role of Hikayat Aceh as a source of living culture that is able to answer the challenges of the times while strengthening local cultural identity.
PERAN LEMBAGA INKUBATOR BISNIS TERHADAP PENGELOLAAN MANAJEMEN USAHA UMKM DI KABUPATEN PIDIE Hasbi; Saiful Bahgia
JURNAL KREASI RAKYAT Vol. 2 No. 2 (2024): May - July
Publisher : Lembaga Riset dan Inovasi Kreyat Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64617/kreyat.v2i2.106-114

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in the regional economy, yet they frequently face challenges in managing their businesses. Business incubators offer a solution to enhance the managerial capacity of MSMEs through coaching and mentoring programs. This study aims to examine the role of business incubators in the management of MSMEs in Pidie Regency. This study employed a qualitative approach with descriptive methods. Data collection techniques included in-depth interviews with MSMEs assisted by the incubators, participant observation, and analysis of incubation program documents. Informants were selected purposively, focusing on MSMEs that had participated in the incubation program for at least six months. Findings indicate that business incubators play a role in three main aspects: financial management training, strengthening digital marketing, and facilitating networking and access to funding. Most MSMEs experienced increased business management capacity after participating in the incubation program, in terms of planning, financial records, and promotional strategies. The strategic role of business incubators has been proven to encourage the professionalization of MSMEs and increase the competitiveness of local businesses. However, the program's success still faces obstacles in terms of sustainable mentoring and limited reach. This study recommends the need for institutional strengthening policies and cross-sector collaboration to support a sustainable incubation ecosystem.
GREEN ECONOMY IMPLEMENTATION STRATEGY FOR MSMEs IN ACEH BESAR TO ENCOURAGE SUSTAINABLE ECONOMIC DEVELOPMENT Saiful Bahgia; Sari Yulis Terfiadi; Hamdani; Hasbi
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 4 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i4.4078

Abstract

The Sustainable Development Goals (SDGs) are a global agenda consisting of 17 main goals and 169 targets that cover social, economic, and environmental dimensions simultaneously. Overall, many MSMEs still implement conventional and non-environmentally friendly business practices. This study aims to identify suitable strategies for MSMEs in implementing the green economy concept and the impact on sustainable economic development in Aceh Besar Regency. This research is a field research, with a quantitative approach. The research sample amounted to 50 MSMEs consisting of 30 culinary sectors (70%) and 20 artisan sectors (30%). Data collection techniques through questionnaires, interviews and direct observation of MSMEs. Data analysis through quantitative methods with a SWOT analysis approach and Internal Factor Analysis (IFAS) and External Factor Analysis (EFAS) to formulate suitable strategies for MSMEs. The results of the study show that the IFAS analysis obtained a result of 3.8 as (X) and the EFAS analysis obtained a result of 3.4 as (Y), after obtaining these results, an alternative aggressive strategy (SO) was obtained in implementing the concept of green economy and sustainable economic development in Aceh Besar Regency. So that MSMEs currently have the potential of resources, management and products in utilizing cooperation opportunities to maximize marketing, knowledge and environmental awareness as well as regulatory support from the local government. Therefore, the results of this study can be used as a theoretical basis in the preparation of strategic policies by the government. The follow-up suggestions from the results of this study are in the form of a participatory approach as an approach that aims to be able to develop the capacity of MSMEs through training, workshops and technical guidance in the context of implementing a green economy in Aceh Besar Regency based on the phases that have been put forward in this study.