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All Journal Proceeding of The International Conference on Economics and Business JURNAL ILMIAH PENELITIAN MAHASISWA Harmoni Sosial : Jurnal Pengabdian Dan Solidaritas Masyarakat Akuntansi Pajak dan Kebijakan Ekonomi Digital
Layyinatus Shifah
Unknown Affiliation
Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Medicine & Pharmacology Social Sciences Other

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IMPLEMENTASI METODE PEMBAYARAN CASHLESS DI UMKM DESA PAYA GELI: TREN, TANTANGAN, DAN DAMPAKNYA Chuzaimah Batubara; Layyinatus Shifah
JURNAL ILMIAH PENELITIAN MAHASISWA Vol 2 No 4 (2024): Agustus
Publisher : Kampus Akademik Publiser

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jipm.v2i4.402

Abstract

This research discusses the utilization of cashless payment methods in Micro, Small, and Medium Enterprises (UMKM) in Payageli Village, focusing on implementation, challenges, and impacts. The study employed a qualitative research method with a descriptive approach and literacy method. Data were gathered through observation, documentation, and interviews with UMKM business owners in the village. Findings indicate a growing trend in the use of cashless payment methods in Indonesia, particularly among the younger generation. Bank Indonesia has taken steps to facilitate non-cash transactions. Cashless or cardless transaction behavior has been present in Indonesia since 2007 but has not yet reached its full potential. The use of e-money and QRIS is becoming more popular, facilitating digital transactions. The benefits of digital transactions include convenience, security, efficiency, and discounts. Despite challenges such as social disparities and poor internet connectivity, the use of QRIS in Paya Geli Village is already popular and advantageous for UMKM business owners.
Integration of Sharia and Conventional Financial Instruments in Achieving Inclusive Economic Development Layyinatus Shifah; Isnaini Harahap
Proceeding of The International Conference on Economics and Business Vol. 3 No. 2 (2024): Proceeding of The International Conference on Economics and Business
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/iceb.v3i2.447

Abstract

Islamic finance has increased rapidly lately. The increase is due to the fact that people are starting to use sharia and Islamic principles in transactions because they prioritize ethics and morals. The rapid development of course there are still challenges faced, one of which is about the less massive use by the community. This certainly needs to be studied again, such as the integration between Islamic financial instruments and conventional finance so that there can be an inclusive collaboration in the financial world. This research uses an analytical description method with secondary data sources. The results of this study indicate that the role of Islamic finance on economic development is very significant, this is because the principles of sharia prioritize ethics and morals in transactions so that people trust more than conventional finance. With an increasing role, of course there are still obstacles faced, one of which is limited public access to Islamic finance and an integration with conventional finance is needed. With integration with conventional finance, it turns out to be able to realize an inclusive economy such as the presence of Islamic capital markets, Islamic banking, and others so as to bring up other alternatives in the financial world.
Pengaruh Teknologi Terhadap Perkembangan Finansial Islam di Indonesia Layyinatus Shifah; Marliyah Marliyah
Akuntansi Pajak dan Kebijakan Ekonomi Digital Vol. 2 No. 1 (2025): Akuntansi Pajak dan Kebijakan Ekonomi Digital
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/apke.v2i1.768

Abstract

The development of digital technology has significantly impacted various economic sectors, including the Islamic financial sector. This article aims to analyze how technology contributes to the growth of Islamic finance in Indonesia. It discusses the role of Islamic fintech in financial inclusion, challenges in implementing technology in Islamic financial systems, and strategic opportunities to strengthen the position of Islamic finance in the digital era. The novelty of this study lies in the integrative analysis of current technologies such as blockchain and AI with regulations and their implementation in the context of Islamic finance in Indonesia, which has not been widely explored in previous literature.
Perencanaan Keuangan untuk Mengurangi Risiko Kebangkrutan : Pentingnya Pengelolaan Keuangan, Pencatatan yang Baik, dan Strategi Pengelolaan Arus Kas: (Studi kasus Rumah Makan Fajar Jeumpa) Fahmi Fauzi; Aida Ulviani Nst; Layyinatus Shifah; Sugianto Sugianto
Harmoni Sosial : Jurnal Pengabdian dan Solidaritas Masyarakat Vol. 2 No. 1 (2025): Harmoni Sosial : Jurnal Pengabdian dan Solidaritas Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/harmoni.v2i1.1099

Abstract

Bankruptcy is one of the main threats to business sustainability, especially for micro, small, and medium enterprises (MSMEs). This article explores the importance of financial planning, accurate record-keeping, and cash flow management strategies to mitigate bankruptcy risks, focusing on a case study of Rumah Makan Fajar Jeumpa. The findings reveal that irregular transaction recording, ineffective cash flow management, and the absence of structured financial strategies are key factors contributing to financial vulnerability. By implementing simple financial record-keeping systems, creating budget projections, and diversifying income sources, MSMEs can enhance operational stability and reduce financial risks. These findings emphasize that comprehensive financial planning, supported by adequate financial literacy, is crucial in ensuring business sustainability and fostering MSME growth.
Co-Authors Aida Ulviani Nst Chuzaimah Batubara Fahmi Fauzi Isnaini Harahap Marliyah Sugianto Sugianto