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All Journal Jurnal Ecoment Global: Kajian Bisnis dan Manajemen International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Journal of Islamic Management
Teuku Zulkarnain
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Peran Regulasi, Kinerja Keuangan, dan Inovasi Digital dalam Memperkuat Perbankan Syariah di Aceh Aqlima Geubrina; Teuku Zulkarnain; Mariana Mariana
Journal of Islamic Management Vol. 5 No. 1 (2025): January
Publisher : Program Studi Manajemen Dakwah Fakultas Dakwah dan Komunikasi UIN Sunan Ampel Surabaya, UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/jim.v5i1.1960

Abstract

This study aims to analyze the role of regulation, financial performance, and digital innovation in strengthening the position of Bank Syariah Indonesia (BSI) in Aceh after the merger. The focus of this research includes evaluating the regulations governing BSI's operations, particularly the Aceh Qanun on Sharia Financial Institutions (LKS), which mandates financial institutions to operate according to Sharia principles. The study also assesses BSI's financial performance post-merger, focusing on asset growth, microfinance for SMEs, as well as the efficiency in managing financing and assets reflected in the decrease of Non-Performing Financing (NPF) and the increase in Return on Assets (ROA). Additionally, BSI’s digital innovations, such as e-banking services and the BYOND by BSI app, have improved accessibility and convenience for customers, particularly the younger generation. The study also identifies the challenges and prospects for BSI in maintaining public trust and expanding services in an increasingly competitive market. The findings indicate that regulation, solid financial performance, and technological innovation play a crucial role in strengthening BSI’s presence and supporting local economic growth in Aceh.
THE EFFECT OF DISTRIBUTION OF UMKM FINANCING BY BPRS RAHMA HIJRAH AGUNG ON THE GROWTH OF THE UMKM INDUSTRY AND EMPLOYMENT IN LHOKSEUMAWE CITY Aulannisa Syuda; Teuku Zulkarnain; Ahmad Fauzan
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 5 (2024): October
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v4i5.2020

Abstract

Small Micro and Medium Enterprises (UMKM) have a role as one of the tools for community empowerment to optimize agricultural products, especially small or rural communities. Processing carried out by UMKM is able to add economic value and benefits to the community and its region. The purpose of the study is to determine the effect of the distribution of BPRS Rahma Hijrah Agung funds on the growth of UMKM and labor absorption in the city of Lhokseumawe. The method used in this study is a quantitative method. The source of data collection uses publication data from the Central Statistics Agency and data on the distribution of UMKM funds sourced from BPRS Rahma Hijrah Agung. The variables in the scope of this study use time series data, consisting of independent and dependent variables. The focus of the research observation is on data on fund distribution (X) as well as UMKM growth (Y1) and labor absorption (Y2). The data analysis technique uses simple linear regression analysis, previously a classical assumption test was carried out. The results of the t-test show that the distribution of UMKM funds at BPRS Rahma Hijrah Agung has a direct and significant effect on the growth of UMKM and the absorption of labor in Lhokseumawe City.
IMPLEMENTASI SISTEM BOS ONLINE DALAM MENINGKATKAN TRANSPARANSI MANAJEMEN KEUANGAN SEKOLAH (STUDI KASUS PADA SMA NEGERI DI ACEH UTARA): SISTEM BOS ONLINE DALAM MENINGKATKAN TRANSPARANSI MANAJEMEN KEUANGAN SEKOLAH (STUDI KASUS PADA SMA NEGERI DI ACEH UTARA) Sri Wulandari; Cut Nia Ramadhani; Teuku Zulkarnain; Syahrul Ramadhan; Putri Sakinah Damanik
Jurnal Ecoment Global Vol. 10 No. 3 (2025): Volume 10 No. 3 (Edisi Desember 2025)
Publisher : Universitas Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jeg.v10i3.6529

Abstract

Tujuan: Tujuan penelitian ini bertujuan untuk menganalisis sejauh mana implementasi BOS Online dalammeningkatkan transparansi manajemen keuangan pada SMA Negeri Kabupaten Aceh Utara.Desain/Metode/Pendekatan: Metode penelitian yang digunakan adalah pendekatan kualitatif denganteknik pengumpulan data melalui wawancara, observasi, dan studi dokumentasi terhadap kepala sekolah,bendahara, guru, dan komite sekolah.Temuan: Hasil penelitian menunjukkan bahwa penerapan BOS Online telah meningkatkan akuntabilitasdan efisiensi administrasi keuangan sekolah, khususnya di wilayah perkotaan yang memiliki dukunganinfrastruktur dan SDM memadai. Namun, penerapan sistem ini belum sepenuhnya optimal di daerahpedalaman karena keterbatasan akses jaringan internet, kurangnya pelatihan teknis, serta rendahnyaliterasi digital aparatur sekolah.Orisinalitas/Nilai: Secara keseluruhan, penggunaan BOS Online memberikan kontribusi positif terhadaptransparansi keuangan sekolah, namun efektivitasnya sangat bergantung pada dukungan pemerintahdaerah dalam peningkatan kapasitas sumber daya manusia dan penyediaan sarana teknologi yangmemadai.Implikasi Praktis/Kebijakan: Temuan penelitian ini menunjukkan perlunya dukungan kebijakanpemerintah daerah dalam bentuk peningkatan kapasitas sumber daya manusia, pemerataan infrastrukturdigital, serta penguatan komunikasi publik agar transparansi pengelolaan dana BOS dapat terwujud secaraoptimal.Kata kunci: BOS Online, Transparansi Keuangan, Akuntabilitas, Sekolah Menengah Atas, Aceh Utara
Co-Authors Ahmad Fauzan Amanda Enggelia Aqlima Geubrina Aulannisa Syuda Cut Nia Ramadhani Mariana Mariana Mela Zahrani Putri Sakinah Damanik SRI WULANDARI Syahrul R, Syahrul Widya Arsani Malau