Article Per Year (5 Year)
p-Index From 2021 - 2026
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This Author published in this journals
All Journal PRODUCTIVITY: Journal of Integrated Business, Management, and Accounting Research Indonesian Journal of Strategic Management (IJSM)
Nida Hopia
Universitas Muhammadiyah Kuningan
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Strategi Penguatan Pendapatan Daerah dan Pengembangan Kemandirian Ekonomi Lokal Melalui Instrumen Ekonomi Islam: Studi Tentang Zakat, Infaq, Sedekah, dan Wakaf Anton Budiyono; Nida Hopia
PRODUCTIVITY: Journal of Integrated Business, Management, and Accounting Research Vol. 2 No. 1 (2025): PRODUCTIVITY: Journal of Integrated Business, Management, and Accounting Resear
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/product.v2i1.54

Abstract

This study aims to examine how zakat, infaq, sadaqah, and waqf can be used strategically to strengthen regional income and encourage local economic independence. This study uses a descriptive qualitative approach. The research subject of this article is Islamic economic instruments which include zakat, infaq, alms, and waqf, as well as their role in increasing local income and building regional economic independence. The data were analyzed using descriptive qualitative methods. The results of the analysis show that the use of zakat, infaq, alms, and waqf has significant potential to increase regional revenue and alleviate poverty. With good and integrated management in public financial policies, zakat, infaq, alms, and waqf can be a solution for sustainable financial and economic independence that is able to overcome various social problems in society. Increasing literacy, professional management, and the use of digital technology will be the key to success in optimizing the potential of zakat, infaq, alms, and waqf in the future, so that the economic independence of a region can be realized properly and effectively
Comparative Effectiveness of Robo Advisors and Human Planners in AI-Based Financial Planning Nida Hopia; Anton Budiyono
IJSM Vol 9 No 2 (2026): Indonesia Journal of Strategic Management
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/bvzbw277

Abstract

Advances in artificial intelligence (AI) technology have introduced robo-advisors as a modern alternative in financial planning. This article conducts a comparative analysis of the effectiveness of AI-based robo-advisors and conventional human financial planners in optimizing individual financial planning. Using a literature review approach and analysis of secondary data from various reliable sources (Grand View Research, Morningstar, Carlson School of Management, Financial Planning Association, Condor Capital, and others), this study evaluates key dimensions of effectiveness, including: investment return performance, fee structure, adoption rates, client satisfaction, and the ability to manage financial complexity. The study’s findings indicate that robo-advisors excel in cost efficiency (a fee of 0.25% vs. 1.00% of AUM), return consistency (7%–9% per year for moderate portfolios), and the elimination of behavioral biases, particularly during periods of market volatility such as the COVID-19 pandemic. Conversely, human financial planners have significant advantages in emotional intelligence, complex financial planning, and providing emotional value to clients. A hybrid model integrating both appears to be the future direction of the industry, with a 60.7% share of the global market by 2024. The implications of this research are relevant for the development of Sharia fintech strategies and the improvement of financial literacy in Indonesia
Co-Authors Anton Budiyono