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Mutia Tsalitsa Alawia
Politeknik Negeri Malang
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Pemanfaatan Minyak Jelantah menjadi Sabun Batang Cuci Piring di Desa Gondang Kabupaten Wonogiri Alawia, Mutia Tsalitsa; Muslikah; Zakiyatul Muna, Zahro; Vega Savela, Sovia; Alan Gumara, Victor
Amaluna: Jurnal Pengabdian Masyarakat Vol. 2 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/amaluna.v2i2.2824

Abstract

Waste cooking oil is a relatively large source of waste in Gondang Village because it results from dated houses and waste from MSMEs. Based on these problems, this community service aims to provide an understanding of the dangers of waste cooking oil and reprocessing it into bar soap with a zero waste concept through training with Famili Welfare Programme (PKK) women and MSME people. The approach used was Asset Based Community Development (ABCD) with the hope that after this training, the Gondang village community can process waste cooking oil into bar soap and have a higher economic value to increase their source of income as wel.
Static Simulation in USD-Based Hedging Transactions for Hajj Funds in the Banking Money Market: Implications for Banking Policy in Indonesia Ahmad Saifi Athoillah; Mutia Tsalitsa Alawia
Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) Vol. 4 No. 09 (2025): Jurnal Ilmiah Multidisplin Indonesia (JIM-ID) October 2025
Publisher : Sean Institute

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Abstract

This study aimed to: (a) analyse sharia hedging transactions of hajj funds in sharia banking through static simulation, (b) identify the cost savings obtained, the optimal term and pricing, as well as the appropriate timing and amount of hajj funds, (c) provide recommendations to the BPKH. This study applied a static simulation method with a Sharia hedging scheme utilizing simple forward contracts, along with a comparative analysis of data on 25% of Hajj funds in Islamic Commercial Bank (BUS) accounts for the period 2007-2024. The simulation involved BUS entering into a USD sale and purchased a contract with a Conventional Commercial Bank (BUK), then BUK enters into a SAR sale and purchase contract with a Foreign Bank (BA). Premium calculations used financial indicators as references, including the Islamic Interbank Money Market (PUAS) yield, the Interbank Money Market (PUAB) rate for foreign exchange, and the Saudi Arabia Interbank Offer Night (SAIBON). Based on the Islamic hedging simulation, it was proven that: (i) the optimal period is 12 months because the longer the Islamic hedging period, the greater the cost savings obtained, (ii) the right time to conduct Islamic hedging is when the rupiah weakens against the USD by 20%-30% and 40%-50%, (iii) the inappropriate time is when the rupiah strengthens against the SAR by 10%-20%, (iv) the amount of hajj funds that has the potential to provide optimal cost savings is IDR 2.4 trillion to IDR 2.7 trillion and IDR 5.2 trillion to IDR 8.5 trillion. The results of this study proposed the following to the BPKH: (i) the BPKH is recommended to conduct sharia hedging by considering the right time and the optimal amount of hajj funds, as well as the potential cost savings that can be obtained, (ii) the right time to conduct sharia hedging is when the rupiah weakens against the USD and SAR, while it is not recommended when the rupiah strengthens against the USD and SAR, (iii) the amount of hajj funds that provides maximum cost savings is between Rp 2.4 trillion and Rp 2.7 trillion and between Rp 5.2 trillion and Rp 8.5 trillion, (iv) the optimal period is 12 months. Thus, BPKH needs to monitor fluctuations in the rupiah against the USD and SAR, as well as the returns from money market instruments, before conducting sharia hedging.
Optimizing Sales of MSME Products in Pandean Tourism Village through Marketplace Account Creation and Management Training Setiati, Fita; Setiawan, Mohamad Arief; Aalin, Elmi Rakhma; Alawia, Mutia Tsalitsa; Athoillah, Ahmad Saifi; Asmoro, Wiwiek Kusumaning
Jurnal Abdimas Vol. 29 No. 2 (2025): December 2025
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/abdimas.v29i2.33112

Abstract

The community service program conducted in Pandean Tourism Village focuses on increasing the capacity of MSMEs to utilize marketplace platforms to optimize their product sales. This program is motivated by the significant potential of local MSME products, but they still face challenges in digital marketing, particularly in utilizing marketplaces, which are currently an effective sales channel. Through this training, MSMEs are taught everything from creating a marketplace account, product photography techniques, writing compelling descriptions, and online store management strategies. The results of this community service program demonstrate an increase in participants' understanding and skills in managing Pandean Tourism Village's online store in the marketplace. MSMEs are expected to be able to independently create marketplace accounts, upload products with attractive photos and descriptions, and manage orders more professionally. The success of this program is measured not only by the participants' increased knowledge but also by the number of orders received through the marketplace platforms they manage, indicating that the program has had a direct impact on increasing sales of MSME products in Pandean Tourism Village.
Analisis Cost-Volume-Profit (Cvp) Sebagai Dasar Perencanaan Laba Pada Umkm Ratu Tlatah Agung Kediri Agista, Ziana; Farida, Wiwik Mukholafatul; Alawia, Mutia Tsalitsa
ANALISA : JURNAL MANAJEMEN DAN AKUNTANSI Vol 13 No 2 (2025): Agustus 2025
Publisher : Fakultas Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62734/analisa.v13i2.679

Abstract

Penelitian ini bertujuan untuk menganalisis Cost-Volume-Profit (CVP) sebagai dasar perencanaan laba pada UMKM Ratu Tlatah Agung Kediri. Pendekatan yang digunakan adalah penelitian kuantitatif terapan dengan teknik pengumpulan data berupa wawancara tidak terstruktur dan dokumentasi. Sumber data berasal dari informasi biaya, penjualan dan laba yang diharapkan dari dua produk yaitu Bagelen Pro Dan Bagelen Klasik pada tahun 2023 dan 2024. Hasil penelitian menunjukkan bahwa penjualan kedua produk mampu menutup seluruh biaya yang dikeluarkan. Perhitungan Break Even Point dinilai baik karena UMKM berhasil memperoleh laba. Perubahan bauran penjualan menyebabkan penurunan margin kontribusi per paket. Rasio Margin Of Safety mengalami penurunan meskipun masih berada dalam kategori aman. Degree Of Operating Leverage menunjukkan adanya perbedaan tingkat risiko antara kedua produk namun tetap dalam batas yang wajar. Target laba pada tahun 2023 dan 2024 berhasil dicapai meskipun terdapat penurunan laba pada produk Bagelen Klasik. UMKM Ratu Tlatah Agung Kediri disarankan untuk lebih mengoptimalkan strategi penjualan dan efisiensi biaya produksi khususnya pada produk Bagelen Klasik.
Motivasi, Refleksi, dan Konteks: Memahami Kesadaran Kewirausahaan Gen Z di Perguruan Tinggi Achmad Iqbal; Wiwik Mukholafatul Farida; Mutia Tsalitsa Alawia
Jurnal Proaksi Vol. 12 No. 3 (2025): Juli - September
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jpk.v12i3.7152

Abstract

Main Purpose - This study aims to explore how Generation Z students in Indonesia construct entrepreneurial awareness through lived experiences, motivations, and social contexts.Method - A qualitative research design with an interpretative phenomenological analysis (IPA) approach was employed. Data were collected through in-depth semi-structured interviews with three university students interested in entrepreneurship.Main Findings - The findings revealed three major themes: internal motivation, reflective experience, and contextual factors. Participants were intrinsically driven by autonomy, personal growth, and social values, while reflective experiences shaped their entrepreneurial self-awareness. Support from family, peers, and institutions acted as critical enablers in their entrepreneurial journey.Theory and Practical Implications - The study suggests that entrepreneurship education should incorporate reflective and experiential learning to align with Gen Z's identity and motivation. Institutions should also provide tailored support systems to nurture value-driven young entrepreneurs. Novelty - This study offers a multidimensional perspective on entrepreneurial awareness formation among Generation Z by integrating personal meaning-making and sociocultural influences.
The Role of Amanah and Tabligh in Strengthening Islamic Banking Relationships Mutia Tsalitsa Alawia; Wiwik Mukholafatul Farida; Shinta Laura Dewani
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 01 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

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Abstract

This study aims to analyze agency problems in murabahah and mudharabah contracts and to identify strategies to reduce these issues in Islamic banking practices. The research employs a qualitative approach using a library research method by reviewing various sources, including academic journals, books, and other relevant literature published between 2021 and 2025. The findings indicate that agency problems in Islamic banking primarily arise from information asymmetry and moral hazard between the bank as the principal and the customer as the agent. These issues are more prevalent in mudharabah contracts compared to murabahah, due to the high dependence on the honesty and transparency of customers in reporting business performance. In contrast, murabahah contracts tend to have lower agency risks because of their simpler and more transparent transaction structure. Furthermore, this study finds that the implementation of tabligh (transparency) and amanah (trustworthiness) principles serves as an effective solution in reducing information asymmetry and moral hazard. Therefore, strengthening Islamic ethical values along with improving monitoring systems and transparency mechanisms is essential to mitigate agency problems and to optimize the implementation of profit-and-loss sharing contracts in Islamic banking.
Formulating Human Resource Management Strategies Using a Hybrid SOAR–AHP Approach in MSMEs Shinta Laura Dewani; Diah Ayu Arif Viyanti; Ravita Yosi Agustin; Mutia Tsalitsa Alawia; Wiwik Mukholafatul Farida
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 01 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jcpa.1509

Abstract

This study aims to formulate human resource management (HRM) strategies for a culinary MSME in Kediri using a hybrid SOAR–AHP approach. Rapid business growth is often not accompanied by optimal HR management, leading to issues in performance consistency and employee discipline. This research employs a mixed-method approach with an exploratory sequential design, utilizing interviews, observations, and quantitative analysis through the Analytical Hierarchy Process (AHP). The SOAR analysis reveals that key strengths lie in owner involvement and the existence of standard operating procedures (SOP), while the main challenges relate to consistency in implementation and employee discipline. The AHP results indicate that strengths and results are the highest priority criteria. The main strategies focus on strengthening SOP implementation, improving discipline through active owner supervision, and enhancing work productivity. This study demonstrates that the integration of SOAR–AHP provides more structured, measurable, and applicable HRM strategies to support MSME sustainability.
Gold as a Systemic Safe Haven Amid Global Economic Uncertainty in G20 Countries Ahmad Saifi Athoillah Athoillah; Dwi Rahma Fitriani; Mutia Tsalitsa Alawia; Dion Yanuarmawan; Yohan Bakhtiar; Wiwik Mukholafatul Farida
Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) Vol. 5 No. 07 (2026): Jurnal Ilmiah Multidisplin Indonesia (JIM-ID), 2026
Publisher : Sean Institute

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Abstract

The escalation of global economic uncertainty driven by financial crises, geopolitical tensions, and monetary policy tightening has reignited debates regarding the role of gold as a value-preserving asset within the global financial system. Although prior studies have extensively examined gold as a hedging instrument and safe haven asset, empirical evidence concerning its ability to function as a systemic safe haven particularly under conditions of extreme risk, crisis regime dynamics, and cross-market interconnectedness remains limited and inconclusive, especially within G20 countries characterized by high levels of financial integration. This study aims to investigate whether gold serves as a systemic safe haven during periods of global economic uncertainty by emphasizing the dimensions of tail risk, crisis regimes, and risk transmission across financial markets. The study employs monthly panel data from G20 countries over the period 2000–2024 obtained from open-access databases, including global gold prices, the Global Economic Policy Uncertainty (GEPU) Index, the Volatility Index (VIX), global financial stress indicators, exchange rates, stock market indices, and government bond yields. To capture nonlinear relationships and extreme dependence structures, this research adopts advanced econometric approaches combining Markov-Switching Quantile Vector Autoregression and connectedness analysis. The empirical findings reveal that gold significantly functions as a systemic safe haven at the lower quantiles of financial market return distributions, particularly during periods of crisis and heightened uncertainty. Furthermore, gold tends to act as a shock absorber within cross-market connectedness networks, thereby contributing to the stability of financial systems across G20 countries. These findings enrich the existing literature by offering a systemic safe haven perspective and provide important policy implications for monetary authorities and foreign reserve managers in designing global financial resilience strategies.
CSR sebagai Variabel Moderasi dalam Kinerja Keuangan Guna Mengukur Nilai Perusahaan : (Studi PT Vale Indonesia Periode 2019-2023) Dion Yanuarmawan; Mutia Tsalitsa Alawia; Wiwik Mukholafatul Farida
Jurnal Akuntansi Bisnis dan Humaniora Vol. 13 No. 2 (2026): Jurnal Akuntansi Bisnis dan Humaniora
Publisher : Politeknik Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33795/jabh.v13i2.9927

Abstract

Corporate Social Responsibility diyakini akan memiliki citra positif di mata investor maupun masyarakat, yang pada akhirnya berdampak pada peningkatan nilai perusahaan. Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh kinerja keuangan secara langsung dan signifikan terhadap nilai perusahaan serta pengaruh kinerja keuangan secara langsung dan signifikan terhadap nilai perusahaan yang dimoderasi oleh CSR. Jenis penelitian adalah penelitian kuantitatif. Sumber data menggunakan data sekunder yang diakses melalui website resmi PT. Vale Indonesia. Populasi dalam penelitian adalah laporan keuangan dan laporan keberlanjutan PT. Vale Indonesia Tahun 2019-2025. Sampel penelitian adalah Return On Equity (ROE). Hasil penelitian menunjukkan bahwa ROE berpengaruh berpengaruh positif dan signifikan terhadap nilai perusahaan serta Corporate Social Responsibility berpengaruh positif dan memperkuat kinerja keuangan terhadap nilai perusahaan. PT Vale Indonesia perlu secara aktif dan transparan meningkatkan kinerja keuangan berikut CSR yang akan memperkuat citra perusahaan serta mendorong pertumbuhan nilai perusahaan secara berkelanjutan.
Analisis Value For Money untuk Mengukur Kinerja Keuangan Jatibanggi Kabupaten Tulungagung Tahun Anggaran 2022-2024 Mutia Tsalitsa Alawia; Wiwik Mukholafatul Farida
JAD : Jurnal Riset Akuntansi & Keuangan Dewantara Vol. 8 No. 1 (2025): Januari (2025) - Juni (2025)
Publisher : STIE PGRI Dewantara Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26533/jad.v8i1.1477

Abstract

The study aims to analyze, conclude, and provide solutions on Value for Money to measure financial performance in the Karangwaru Village, Tulungagung Regency, for the 2022-2024 fiscal years. This research uses descriptive quantitative methods with an applied objective, and data collection techniques include observation, documentation, and unstructured interviews. Secondary data is utilized. In terms of effectiveness, revenue realization consistently reached or exceeded the target with an average ratio of 98%, indicating a less effective performance. For the economic aspect, the same average ratio of 92.79% was achieved, which is categorized as economical. Generally, the financial performance of Karangwaru Village is considered less effective, necessitating improved accuracy in expenditure planning to prevent wastage. The Value for Money approach proved beneficial as a reference before preparing the Village Revenue and Expenditure Budget Plan (RAPBDes) for the following year.
Co-Authors Agista, Ziana Ahmad Saifi Athoillah Alan Gumara, Victor Asmoro, Wiwiek Kusumaning Diah Ayu Arif Viyanti Dion Yanuarmawan Dion Yanuarmawan Dwi Rahma Fitriani Elmi Rakhma Aalin G. Gunawan Iqbal, Achmad Mohamad Arief Setiawan Ravita Yosi Agustin Setiati, Fita Shinta Laura Dewani Vega Savela, Sovia Wiwik Mukholafatul Farida Yohan Bakhtiar Zakiyatul Muna, Zahro