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

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Sirkulasi Pertumbuhan Output Terhadap Transformasi Keuangan Public Di Indonesia Periode 2014-2023 Amanda Enggelia; Mela Zahrani; Widya Arsani Malau; Teuku Zulkarnain
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 4 No. 2 (2024): December
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v4i2.1985

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pengeluaran pemerintah terhadap Produk Domestik Bruto (PDB) dan Indeks Pembangunan Manusia (IPM) di Indonesia selama periode 2014-2023. Pengeluaran pemerintah merupakan salah satu instrumen kebijakan fiskal yang bertujuan untuk mendorong pertumbuhan ekonomi dan pembangunan manusia. PDB, yang mencerminkan total nilai barang dan jasa yang diproduksi, dan IPM, yang mengukur kualitas pembangunan manusia, merupakan dua indikator utama yang dapat digunakan untuk mengevaluasi dampak pengeluaran pemerintah terhadap ekonomi dan kesejahteraan masyarakat. Penelitian ini menggunakan metode kuantitatif dengan data tahunan dan analisis Partial Least Squares (PLS) untuk menguji hubungan antara pengeluaran pemerintah, PDB, dan IPM. Hasil penelitian menunjukkan bahwa pengeluaran pemerintah tidak memiliki pengaruh signifikan terhadap PDB dan IPM. Meskipun pengeluaran pemerintah berperan dalam perekonomian, pengaruhnya terhadap PDB dan IPM cenderung terbatas. Hal ini menunjukkan bahwa faktor-faktor lain, seperti ketimpangan pendapatan, kebutuhan layanan publik, dan kebijakan lainnya, lebih berperan dalam menentukan besaran pengeluaran pemerintah. Penelitian ini memberikan wawasan mengenai keterbatasan pengaruh PDB dan IPM terhadap pengeluaran pemerintah di Indonesia, yang perlu diperhatikan dalam perencanaan kebijakan fiskal dan pengelolaan keuangan publik.
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.
Co-Authors Ahmad Fauzan Amanda Enggelia Aqlima Geubrina Aulannisa Syuda Mariana Mariana Mela Zahrani Widya Arsani Malau