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All Journal Information Management For Educators And Professionals (IMBI) International Journal of Engineering, Science and Information Technology International Journal of Educational Review, Law And Social Sciences (IJERLAS) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Unram Journal of Community Service (UJCS) Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) International Journal of Education and Digital Learning (IJEDL) International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Indonesian Journal of Islamic and Social Science (IJISS) Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA)
Muhammad Multazam
Universitas Bumi Persada
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture 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 Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Physics Social Sciences Transportation Other

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KEDUDUKAN HUKUM ISLAM DALAM SISTEM HUKUM DI INDONESIA Muhammad Multazam; Damas Satria; Murtadha; Lisa Humaira
Indonesian Journal of Islamic and Social Science Vol 4 No 1 (2026): Indonesian Journal Of Islamic and Social Science
Publisher : LPPM IAI Almuslim Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/senked64

Abstract

Dalam praktiknya hukum Islam di Indonesia terutama diterapkan dalam bidang hukum keluarga dan perdata tertentu, seperti perkawinan, perceraian, warisan, wakaf, zakat, dan ekonomi syariah. Penerapan hukum tersebut diatur dalam berbagai regulasi, seperti Undang-Undang Perkawinan, Kompilasi Hukum Islam (KHI), serta peraturan terkait peradilan agama. Lembaga Peradilan Agama memiliki kewenangan khusus untuk menyelesaikan sengketa yang berkaitan dengan hukum Islam bagi masyarakat Muslim. Hal ini menunjukkan bahwa hukum Islam telah terintegrasi secara formal dalam sistem hukum nasional. Selain itu keberadaan hukum Islam juga dipengaruhi oleh faktor historis, sosiologis, dan filosofis dalam perkembangan hukum di Indonesia. Sejak masa kerajaan Islam hingga masa kolonial dan pasca kemerdekaan, hukum Islam telah menjadi bagian dari praktik kehidupan masyarakat. Oleh karena itu, negara memberikan ruang bagi penerapan hukum Islam sepanjang tidak bertentangan dengan prinsip-prinsip konstitusi dan keberagaman masyarakat Indonesia. Namun demikian, penerapan hukum Islam dalam sistem hukum nasional tetap berada dalam kerangka negara hukum yang berdasarkan Pancasila dan Undang-Undang Dasar 1945. Hal ini menegaskan bahwa hukum Islam berfungsi sebagai salah satu sumber hukum yang memperkaya sistem hukum nasional, bukan sebagai sistem hukum yang berdiri sendiri secara keseluruhan. Dengan demikian, kedudukan hukum Islam di Indonesia dapat dipahami sebagai bagian integral dari sistem hukum nasional yang hidup dan berkembang sesuai dengan kebutuhan masyarakat serta prinsip keadilan dan kemaslahatan.
THE INFLUENCE OF FINANCIAL LITERACY, DEMOGRAPHIC FACTORS, LOCUS OF CONTROL AND PARENTAL INCOME ON BEHAVIOR STUDENT FINANCE (Study on Management Study Program Students at Bumi Persada University) Muhammad Multazam; Yusnidar; Ayu Anora; Maisyuri; Zuraida
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 6 (2024): December
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20991295

Abstract

This study aims to determine the effect of financial literacy, demographic factors, locus of control, parental income on financial behavior in UNBP Management Study Program Students. The data used in this study are primary data with a sample of 115 students and distributed online using a questionnaire obtained from the main source, namely UNBP Management Study Program Students. The data analysis method uses multiple linear regression analysis. The results of this study partially indicate that the financial literacy variable has a positive and significant effect on the financial behavior of UNBP Management Study Program students, the demographic factor variable has a positive and significant effect on the financial behavior of UNBP Management Study Program students, the locus of control variable does not have a significant effect on the financial behavior of UNBP Management Study Program students, and the parental income variable has a positive and significant effect on the financial behavior of UNBP Management Study Program students.
TRAINING ON BUSINESS LICENSING THROUGH THE OSS APPLICATION AND MSME GOVERNANCE IN JAMBO MESJID VILLAGE, BLANG MANGAT DISTRICT LHOKSEUMAWE CITY Yusnidar; Muhammad Multazam; Ayu Anora; Raudhatinur; Teuku Afriliansyah
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 6 No. 1 (2026): March-June 2026
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18959033

Abstract

This study aims to enhance the understanding and capacity of Micro, Small, and Medium Enterprises (MSMEs) in Jambo Mesjid Village, Blang Mangat District, Lhokseumawe City, regarding business legality and governance through training on the Online Single Submission (OSS) application. Many MSMEs in the region still lack legal recognition due to limited knowledge, complex licensing procedures, and insufficient socialization from the government. The training was carried out through three main stages: initial socialization of the importance of legality and risk-based licensing regulations, introduction and practice of using the OSS application, and workshops on MSME governance including administration, production, digital marketing, and good governance principles. The results showed a significant improvement in participants’ knowledge, as indicated by an increase in OSS-related understanding from 25–30% in the pre-test to 80–85% in the post-test. Most participants successfully registered their businesses and obtained a Business Identification Number (NIB) during the training, marking their first step toward formal legality. Furthermore, participants gained skills in simple financial management, quality control, and digital marketing practices. The training also raised awareness of good governance as a foundation for sustainable MSME growth. These findings highlight the importance of legality and governance in increasing MSME competitiveness, expanding access to financing, and strengthening legal protection.
SMART RECOVERY ACEH MODEL: INTEGRATING EMERGENCY EDUCATION AND MSME EMPOWERMENT FOR COMMUNITY-BASED POST-DISASTER RECOVERY Intan Maulida; Lia Rista; Almunadiya; Raudhatinur; Rahmiatul Aula; Muhammad Multazam; Rifki
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 6 No. 1 (2026): March-June 2026
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The flood disaster that occurred in North Aceh on November 26, 2025, significantly disrupted the social and economic conditions of affected communities, particularly in Keude Geudong Village. This study aims to examine the effectiveness of a community-based post-disaster recovery model that integrates emergency education and micro, small, and medium enterprise (MSME) empowerment. A community-based participatory approach was employed, involving two main target groups: school-aged children and MSME actors. Data were collected through observations, interviews, and program documentation, and analyzed using descriptive quantitative and qualitative methods. The results show that the social intervention successfully restored access to education, achieving over 80% participation and improving children’s learning motivation and psychosocial well-being. In the economic sector, MSMEs experienced a 40–60% increase in production capacity and a 25–35% increase in income, supported by improved financial management and digital marketing adoption. The integration of appropriate technology and continuous mentoring further enhanced program effectiveness and sustainability. This study highlights that combining social and economic interventions within a community-based framework can generate synergistic impacts and strengthen post-disaster resilience. The proposed model offers a practical and replicable approach for sustainable recovery in disaster-affected communities.
Penerapan Metode Customer Relationship Management Pada Aplikasi Penjualan Berbasis Web di Bale Anyaman Arwidiyarti, Dwinita; Multazam, Muhammad; Juhartini, Juhartini
INFORMATION MANAGEMENT FOR EDUCATORS AND PROFESSIONALS : Journal of Information Management Vol 10 No 2 (2025): INFORMATION MANAGEMENT FOR EDUCATORS AND PROFESSIONALS (DES 2025)
Publisher : Penelitian dan Pengabdian Masyarakat Universitas Bina Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51211/imbi.v10i2.3724

Abstract

Abstrak: Perkembangan teknologi informasi telah memberikan dampak besar dalam meningkatkan efektivitas dan efisiensi kegiatan bisnis, termasuk dalam bidang penjualan. Bale Anyaman, sebagai salah satu UMKM pengrajin di Desa Taman Sari, Lombok Barat, menghadapi permasalahan pada keterbatasan area pemasaran karena sistem penjualan yang masih konvensional. Penelitian ini bertujuan untuk menerapkan metode Customer Relationship Management (CRM) pada aplikasi penjualan berbasis web di Bale Anyaman guna memperluas jangkauan pasar serta meningkatkan pelayanan kepada pelanggan. Metode penelitian yang digunakan meliputi observasi, wawancara, dan studi pustaka. Pengembangan sistem dilakukan menggunakan model Waterfall yang terdiri atas tahapan requirement definition, system design, implementation, testing, dan maintenance. Aplikasi dibangun dengan bahasa pemrograman PHP dan framework CodeIgniter 4.0. Pengujian sistem dilakukan baik dari sisi fungsionalitas menggunakan metode Black Box Testing maupun dari sisi usabilitas menggunakan angket. Hasil penelitian menunjukkan bahwa sistem yang dibangun dapat mengelola data produk, transaksi penjualan, dan data pelanggan secara efektif serta mampu memberikan layanan pelanggan yang lebih personal melalui penerapan Electronic Customer Relationship Management (E-CRM). Berdasarkan hasil pengujian fungsional, sistem dinyatakan valid dengan tingkat keberhasilan fungsional 100% dan dari sisi usabilitas menghasilkan angka 90,8% dengan kategori sangat baik. Dengan demikian, penerapan E-CRM pada aplikasi penjualan berbasis web ini dapat digunakan untuk membantu Bale Anyaman meningkatkan loyalitas pelanggan dan memperluas pemasaran produk. Kata kunci: aplikasi penjualan, CRM, E-CRM, web Abstract: The development of information technology has had a significant impact on improving the effectiveness and efficiency of business activities, including in the field of sales. Bale Anyaman, as one of the micro, small, and medium enterprises engaged in handicrafts in Taman Sari Village, West Lombok, faces challenges related to limited marketing reach due to its conventional sales system. This study aims to implement the Customer Relationship Management (CRM) method in a web-based sales application for Bale Anyaman to expand its market reach and enhance customer service. The research methods employed include observation, interviews, and literature study. System development was carried out using the Waterfall model, consisting of the stages of requirement definition, system design, implementation, testing, and maintenance. The application was developed using the PHP programming language and the CodeIgniter 4.0 framework. System testing was conducted from both functional and usability perspectives, using the Black Box Testing method and a questionnaire, respectively. The results indicate that the developed system effectively manages product data, sales transactions, and customer data, and is capable of providing more personalized customer services through the implementation of Electronic Customer Relationship Management (E-CRM). Based on functional testing results, the system was declared valid with a 100% functional success rate, and from the usability aspect, it achieved a score of 90.8%, categorized as excellent. Therefore, the implementation of E-CRM in this web-based sales application can be utilized to help Bale Anyaman increase customer loyalty and expand product marketing. Keywords: sales application, CRM, E-CRM, web
ECONOMIC EMPOWERMENT OF VILLAGE COMMUNITIES THROUGH FINANCIAL MANAGEMENT TRAINING AND SUSTAINABLE MICRO-BUSINESS DEVELOPMENT IN LHOKSEUMAWE CITY Sutan Febriansyah; Muhammad Multazam; Almunadiya; Raudhatinur; Nura Usrina; Yusnidar; Lia Rista
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 5 No. 2 (2025): July-October 2025
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v5i2.4324

Abstract

This activity aims to increase the financial literacy capacity of village communities, strengthen the ability of micro-entrepreneurs to manage business finances effectively, and encourage the sustainability of businesses based on local potential. The training was held for one day and attended by 35 participants consisting of MSMEs, entrepreneurial housewives, and village youth in the Lhokseumawe City area. The implementation method included three main stages, namely: (1) preparation and coordination with village partners; (2) implementation of the training covering two main materials—simple financial management and sustainable micro-enterprise development strategies; and (3) evaluation and mentoring after the training for two months. A participatory approach was used so that participants actively discussed and directly implemented financial recording practices. The results of the activity showed a significant increase in participant understanding and skills. Before the training, only around 28% of participants were able to record their finances, while after the training, this figure increased to 87%. Participants also showed increased awareness of the importance of separating personal and business finances, and began planning more targeted business development strategies. In addition, small business groups were formed at the village level as an initial step towards sustainable economic empowerment. This PKM activity makes a real contribution to increasing the economic capacity of village communities and strengthening collaboration between universities and the community.
THE EFFECT OF CURRENT RATIO, DEBT TO ASSET RATIO AND TOTAL ASSET TURNOVER ON THE FINANCIAL PERFORMANCE OF BLUD AT CUT MEUTIA GENERAL HOSPITAL, NORTH ACEH DISTRICT Rahmiatul Aula; Venna Maulida Mustika; Muhammad Multazam
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 3 No. 1 (2023): DECEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18754517

Abstract

This study aims to see how much influence the Current Ratio, Debt to Asset Ratio, and Total Asset Turnover have on financial performance at Cut Meutia General Hospital, North Aceh Regency for the period 2016–2023. The data collection technique was carried out through documentation of the company's financial reports from 2016 to 2023, then further processed to calculate the financial ratios used as research samples. The statistical results also show that the Current Ratio (X1) has a t-value of 6.401 and a significance value of 0.003 <0.05, so it partially has a significant positive effect on financial performance. While the Debt to Asset Ratio (X2) has an F-value of -5.924 and a significance value of 0.004 <0.05, meaning that the Debt to Asset Ratio has a significant negative effect on financial performance. Total Asset Turnover (X3) has an F count value of 1.698 and a sig value of 0.54 > 0.05, meaning that Total Asset Turnover does not have a significant influence on financial performance. Simultaneously, Current Ratio (X1), Debt to Asset Ratio (X2), and Total Asset Turnover (X3) have an F count value of 15.310 with a significance value of 0.007 < 0.05, meaning they have a simultaneous influence on financial performance. This research is a quantitative research with an associative approach. Associative research aims to determine the relationship and influence between independent variables, namely Current Ratio (CR), Debt to Asset Ratio (DAR), and Total Asset Turnover (TATO), on the dependent variable, namely Financial Performance which is proxied by Return On Asset (ROA). Based on the financial report data of Cut Meutia General Hospital, North Aceh Regency for the period 2016–2023, the values of Current Ratio (CR), Debt to Asset Ratio (DAR), Total Asset Turnover (TATO), and Return on Asset (ROA) fluctuate annually. These changes indicate the dynamics in the condition of liquidity, solvency, activity, and profitability of the hospital during the study period. Current Ratio has a positive and significant effect on the financial performance of Cut Meutia General Hospital, North Aceh Regency, while Debt to Asset Ratio has a negative and significant effect on financial performance. Meanwhile, Total Asset Turnover does not have a significant effect partially. However, simultaneously, Current Ratio, Debt to Asset Ratio, and Total Asset Turnover have a significant effect on financial performance for the period 2016–2023.
THE EFFECT OF FINANCIAL LITERACY, FINANCIAL PLANNING, AND FINANCIAL CONTROL ON THE FINANCIAL PERFORMANCE OF MSMES WITH THE ADOPTION OF DIGITAL FINANCIAL TECHNOLOGY AS A MODERATING VARIABLE IN LHOKSEUMAWE CITY Muhammad Multazam; Rico Nur Ilham; Frengki Putra Ramansyah
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 9 (2026): AUGUST
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21775607

Abstract

This study aims to analyze the influence of financial literacy, financial planning, and financial control on the financial performance of micro, small, and medium enterprises in Lhokseumawe City and examine the moderating role of digital financial technology adoption. To demonstrate the reporting format of this article before primary data is available, this document uses 364 synthetic observations and analyzes them through partial least squares structural equation modeling. Simulation results indicate that financial literacy (β = 0.214), financial planning (β = 0.267), financial control (β = 0.318), and digital financial technology adoption (β = 0.228) have a positive effect on financial performance. The interaction of technology with literacy (β = 0.083), planning (β = 0.112), and control (β = 0.146) also shows a reinforcing effect. The simulation model explains 67.3 percent of the variation in financial performance. This figure serves only as a methodological illustration and does not represent empirical findings for MSMEs in Lhokseumawe City.
SOLVABILITY RATIO TO BOND RATING IN THE COMPANY PT. ADHI COMMUTER PROPERTIES AND SUBSIDIARIES IN 2021-2022 LISTED ON THE INDONESIAN STOCK EXCHANGE (BEI) Fadli; Irada Sinta; Rico Nur Ilham; Muhammad Multazam; Frengki Putra Ramansyah
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 2 No. 4 (2024): April
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/jaruda.v2i4.181

Abstract

Bonds are an investment instrument that is in demand by both investors and issuers because they have a fixed income that comes from interest and principal debt. The solvency ratio is an important indicator in evaluating a company's ability to meet long-term financial obligations. This research aims to evaluate the effectiveness of the solvency ratio as a tool for measuring a company's ability to fulfill long-term obligations to the company PT. Adhi Commuter Properti and its subsidiaries listed on the Indonesia Stock Exchange. The research method used is descriptive qualitative by calculating the solvency ratio (Debt to Asset Ratio and Debt to Equity Ratio) from the financial report data of the company PT. Adhi Commuter Properti and subsidiaries that issued bonds in 2021 and 2022. This research evaluates the effectiveness of the solvency ratio as a tool for measuring the company's ability to fulfill its long-term obligations, using PT. Adhi Commuter Properti and Subsidiaries as a case study. The research method used is descriptive qualitative with data analysis from the annual financial reports of companies listed on the Indonesia Stock Exchange and the bond rating database from PT. PEFINDO for the 2021-2022 period. The results of the solvency ratio analysis show a decrease in the Debt to Asset Ratio (DAR) from 64.87% (2021) to 61.11% (2022), as well as a decrease in the Debt to Equity Ratio (DER) from 193.92% (2021) to 173 .84% (2022). This indicates better management of financial risks and possible reduction in interest expenses for the company. These changes provide investors with a positive indication regarding the company's financial stability and the potential for reducing financial risks associated with liabilities. In terms of bond ratings, PT. Adhi Commuter Properti maintains its idBBB rating in 2021 and 2022, demonstrating adequate ability to pay its financial obligations.
THE ROLE OF DIGITAL ASSET INVESTMENT IN COUNTRY ECONOMIC GROWTH Reza Juanda; Falahuddin; Muttaqien; Rico Nur Ilham; Frengki Putra Ramansyah; Muhammad Multazam
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 3 No. 2 (2024): October
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/jaruda.v3i2.187

Abstract

Cryptocurrency is one of the investment commodities that can generate returns and already has a permit to be traded in exchange trading through the Indonesian Commodity Futures Trading Supervisory Agency (BAPEPTI). Digital crypto assets traded in Indonesia are quite a lot through the Indodax trading company. The purpose of this study is focused on formulating a risk management process in investing in digital cryptocurrency assets. In addition, the results of this study will produce policy recommendations known as LCTR or "Legal Cryptocurrency and Tax Revenue" which are expected to be considered by the government in formulating policies on digital crypto assets so that the interests of all parties can be accommodated in order to realize maximum state revenue from trading digital crypto asset commodities. This type of research is quantitative descriptive with a research population of 10 cryptocurrency coins with the largest market caps in Indonesia, namely Cryptocurrency Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), Bitcoin Cash (BCH), Litecoin (LTC), Stellar, DASH, Dogecoin, Zcash, Monero in Indonesia. The type of data in this study is time series data taken from January 2017 to December 2020 by conducting a documentation study conducted on the publication of monthly cryptocurrency transaction reports, so that a target population of 480 (4 years x 12 months x 10 coins) monthly report data was obtained for the research sample. The data analysis method in this study uses multiple linear regression and data analysis using e-views statistical software version 10.
Co-Authors AA Sudharmawan, AA Afriliansyah, Teuku Ainol Mardhiah Almunadiya Almunadiya Amru Usman Andi Nurlinda Arliansyah Arliansyah Arliansyah, Arliansyah Arwidiyarti, Dwinita Aulia, Muhammad Kahfi Ayu Anora Azhari Damas Satria EM Yusuf Iis Fadli Falahuddin Falahuddin Falahuddin Fauzi Pakpahan Frengki Putra Ramansyah Fuadi Fuadi Fuadi Hamdiah Hamdiah Hamdiah Hanif Ikram Intan Maulida Irada Sinta Irda Agustina Ismuhadi Ismuhadi Jumadiah Jumini Jumini Kayacilar, Cengiz Lala Merlita Lasta Irawan, Ari Lia Rista Likdanawati Lisa Humaira maisyuri Marbawi, Marbawi Mohd. Heikal Mohd. Heikal Muammar Khaddafi Muktarullah, Millatina Mursidah Murtadha Muttaqien Muttaqien Muttaqien Muttaqien Nadia Rizky Ramadhani Ningsih, Eka Utami Nura Usrina Rahmiatul Aula Raudhatinur Rauzi Ramazalena Reza Juanda Rico Nur Ilham Rifki Rusydi Abubakar Saifanur, Andri Sari Yulis Terfiadi Sutan Febriansyah Sutriani Sutriani Syahputri, Lidia T. Edyansyah, T. Edyansyah Tarmizi Abbas Teuku Muhammad Iqbal Utaminingsih, Eka Venna Maulida Mustika Wahyuddin Wardhiah, Wardhiah Yusnidar Zuraida