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All Journal Jurnal Manajemen Terapan dan Keuangan AT-TURAS: Jurnal Studi Keislaman JEMMA | Journal of Economic, Management and Accounting Enrichment : Journal of Management Daengku: Journal of Humanities and Social Sciences Innovation Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Jurnal Pengabdian Masyarakat (ABDIRA) Indonesian Collaboration Journal of Community Services (ICJCS) Jurnal Ilmiah Mahasiswa Raushan Fikr EJOIN : Jurnal Pengabdian Masyarakat Jurnal Pengabdian Masyarakat Teumulong: Journal of Community Service Jurnal Pengabdian Masyarakat Multi Disiplin Ilmu Jurnal Ekonomi, Manajemen, Akuntansi
Karfin, Karfin
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Religion Aerospace Engineering Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences Other

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Analysis of accountability and service quality of the national zakat amil agency on muzaki trust Hasrun, Andi; Rokhimah, Rokhimah; Karfin, Karfin; Abdullah Lawang, Karimuddin
Enrichment : Journal of Management Vol. 13 No. 5 (2023): December
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v13i5.1672

Abstract

This research aims to determine the partial and simultaneous influence of accountability and service quality on muzaki's trust in BAZNAS Sorong Regency. The data collection tool used questionnaires which were distributed to 72 respondents and 61 questionnaires were returned which were selected using non-probability sampling techniques. To answer research problems and test hypotheses, the Statistical Program for Social Science (SPSS) V.28 analysis technique was used. The results of this research show that partially accountability has no significant effect on muzaki's trust with a tcount value of 0.227 < ttable 2.001 and a significance value of 0.821 > 0.05, while service quality has a significant effect on muzaki trust in BAZNAS Sorong Regency with a tcount of 3.409 > ttable 2.001 and a significance value 0.001 < 0.05. Furthermore, accountability and service quality simultaneously influence the trust of muzaki in BAZNAS Sorong Regency with a Fcount value of 7.316 > Ftable 2.764 and a significance value of 0.001 < 0.05. Then the contribution of the muzaki trust variable is explained by the accountability and service quality variables with an R-Square value of 20.2%, while the remaining 79.8% is explained by other variables outside this research. Because the contribution of the independent variable has a low percentage, future researchers are expected to be able to increase the number of samples and the number of other independent variables that have an influence on muzaki beliefs, for example knowledge, religiosity, community culture.
PENGARUH STATUS SOSIAL EKONOMI TERHADAP PERILAKU KEUANGAN MELALUI SIKAP KEUANGAN PADA GURU SD DISTRIK SALAWATI Afandi, Ilham Nur; Karfin, Karfin; Rokhimah, Rokhimah
Jurnal Manajemen Terapan dan Keuangan Vol. 15 No. 01 (2026): Jurnal Manajemen Terapan dan Keuangan (In Processs)
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v15i01.53635

Abstract

Perilaku keuangan yang baik ialah fondasi dasar untuk mewujudkan kesejahteraan finansial individu, termasuk bagi guru SD yang memiliki peran strategis dalam dunia pendidikan. Rendahnya tingkat pengelolaan keuangan guru SD khususnya di distrik Salawati menjadi topik penting untuk diteliti. Studi ini tujuannya mengukur pengaruh status sosial ekonomi terhadap perilaku keuangan melalui sikap keuangan sebagai variabel mediasi. Metode kuantitatif dengan jenis asosiatif digunakan dalam studi ini. Kuesioner disebarkan kepada 87 guru yang menjadi sampel dengan status ASN dan data yang terkumpul disusun dengan software SmartPLS versi 4. Hasil studi ini menunjukkan sikap keuangan mampu memediasi dampak tidak langsung antara status sosial ekonomi terhadap perilaku keuangan. Dapat disimpulkan bahwa peningkatan sikap keuangan menjadi kunci dalam memperbaiki perilaku keuangan guru SD, terlepas dari kondisi status sosial ekonomi yang dimiliki.
Culinary MSME Development for Employment Generation and Local Economic Growth: A Qualitative Case Study in Sorong City Bachtiar, Muhammad Zakir Naik H; Hasbiah, Hasbiah; Karfin, Karfin
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 3: Maret 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i3.16174

Abstract

Unemployment remains a major problem in many developing regions, particularly in Eastern Indonesia, where local economic potential has not been fully transformed into sustainable employment. This study examines the role of culinary micro, small, and medium enterprises (MSMEs) in promoting economic growth and reducing unemployment in Sorong City. This research applies a qualitative case study approach. Data were collected through in-depth interviews, participatory observation, and documentation of five purposively selected culinary MSMEs based on business sustainability, local labor involvement, and use of local resources. Data were analyzed using thematic analysis with the Miles and Huberman model. The findings show that culinary MSMEs function not only as economic units but also as social agents that create community-based employment, particularly for housewives, youth, and individuals with limited access to the formal sector. Key strategies include product differentiation based on local culture, use of local raw materials, gradual production capacity improvement, early digital marketing adoption, and capacity building through training and self-learning. However, MSMEs still face challenges such as limited capital, weak managerial capacity, low digital literacy, restricted access to formal financing, regulatory complexity, and limited institutional support. Overall, culinary MSMEs are important instruments for inclusive and sustainable local economic development.
The Influence of Islamic Product Quality and Design on Muslim Consumer Interest in Arung Meubel Products in Sorong City Rokhimah, Rokhimah; Hasrun, Andi; Sunatar, Bambang; Karfin, Karfin; Sofia, Susetyowati
JURNAL AT-TURAS Vol 10, No 1 (2023): Moderation of Religion and Islamic Law
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/at-turas.v10i1.5384

Abstract

This study aims to determine how much impact or influence arises from product quality and Islamic design on Muslim consumer satisfaction on Arung Meubel sofa products in the city of Sorong. To achieve this goal, the research method used is quantitative. The data in this study were obtained through a questionnaire with respondents (consumers of Arung Furniture). The number of samples used in this study were 30 respondents. Data analysis techniques in this study used multiple linear regression, f test, coefficient of determination (simultaneous), and t - test (partial). The results of the study show that product quality and Islamic design have a significant effect on Muslim consumer satisfaction. Based on the results of the validity test, reliability test and hypothesis testing, namely the simultaneous test (f - test), the coefficient of determination, and the partial test (t - test) product quality (X1) and design (X2) showed that the results of these tests show a significant effect on consumer satisfaction (Y).
Building Islamic Financial Literacy in Papua: Opportunities and Challenges Hasbiah, Hasbiah; Aisyah, Nanda Yuda Putri; Karfin, Karfin; Ladaku, Raihana Hasni; Awaluddin, Sri Prilmayanti
Daengku: Journal of Humanities and Social Sciences Innovation Vol. 5 No. 6 (2025)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.daengku4639

Abstract

Islamic financial literacy is a crucial foundation for promoting inclusive and equitable economic growth, particularly in Eastern Indonesia, including Papua. Low literacy levels, limited access to Islamic financial institutions, and insufficient understanding of Islamic economic principles present significant challenges for developing a robust Sharia-based financial system in the region. This study aims to analyze the current state of Islamic financial literacy in Papua, identify development opportunities, and evaluate challenges from social, cultural, infrastructural, and institutional perspectives. A descriptive qualitative approach was employed, reviewing literature, reports from the Financial Services Authority (OJK), Bank Indonesia, the Central Statistics Agency (BPS), and relevant academic studies. The analysis focused on socio-cultural, economic, institutional, and digital technology aspects. The results indicate that Islamic financial literacy in Papua remains low, especially in remote areas, but significant opportunities exist through digitalization, strengthening local financial institutions, leveraging educational institutions, and multi-stakeholder collaboration. Community-based approaches that integrate local wisdom, such as the values of mutual cooperation and deliberation, are effective in increasing understanding and acceptance of Sharia financial principles. In conclusion, enhancing Islamic financial literacy in Papua not only improves financial inclusion but also fosters an ethical, sustainable, and equitable economic ecosystem, supporting socio-economic transformation based on Islamic values.
Co-Authors - Sri Prilmayanti Awaluddin, - Abdullah Lawang, Karimuddin Afandi, Ilham Nur Ahdiyanti, Istika Aisyah, Nanda Yuda Putri Almuhaimin Sarnav Ituga Amanda, Nila Andi Ahriani Andi Hasrun Ariyani, Fitrah Bachtiar, Muhammad Zakir Naik H Bambang Sunatar Dwi Iin Kahinah Ekarina Katmas Fatima Az-zahra Wairooy Hasbiah Hasbiah Hasbiah, Hasbiah Hasrun, Andi Indarningsih, Nur Aisyah Ladaku, Raihana Hasni Lewenussa, Ramli Lilies Nurliza Agaki Masseni, Masseni Musdalifa Musdalifa Nukuhehe, Nurmiatti Nur Intan Octavia Nurliani Istiqomah Rabiudin, Rabiudin Rahayu, Agilistya Riska Dwi Oktavia Rokhimah Rokhimah Rokhimah Rokhimah, Rokhimah Sangadji, Celyan Sofia, Susetyowati Sudirman, Musdalifah Sumarsi Sumarsi Susetyowati Sofia Vira Tiffani Selly Vito, Jeremia