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All Journal International Journal of Economics, Management and Accounting Karimah Tauhid Jurnal Ekonomi, Manajemen, Akuntansi
Nabilah, Azmi
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Neuroscience Social Sciences

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The Role of Digital Financing through Crowdfunding in Supporting Social and Humanitarian Fundraising Muslim; Agustiani, Mulia; Audryna, Leyryza; Nabilah, Azmi; Setiawan, Anthony; Marliana, Marliana; Marjohan, Masno
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 1 (2025): June
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i1.295

Abstract

This study aims to analyze the role of digital financing through crowdfunding in supporting social and humanitarian fundraising. The method used is a descriptive qualitative approach through a case study. The findings indicate that kitabisa.com has successfully served as a bridge between donors and beneficiaries by utilizing easily accessible digital technology. Factors influencing the success of campaigns include the strength of the narrative, public trust, transparency in fund usage reporting, and the convenience of digital transactions. The platform also encourages broader public participation in social activities in a faster and more efficient manner. These findings suggest that digital crowdfunding is a relevant alternative financing solution in the digital era, particularly for the social and humanitarian sectors.
Comparative Analysis of the Financial Performance of Islamic Banks and Conventional Banks During the COVID-19 Pandemic in Indonesia Nabilah, Azmi
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 6: September 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i6.10002

Abstract

The COVID-19 pandemic has significantly affected the global financial sector, including the banking industry in Indonesia. This study aimsl to analyze thel differences inl financial performancel between Islamicl and conventionall commercial banksl during thel pandemic period from 2020 to 2023. The research adopts a purposive sampling method, selecting banks that consistently disclosed complete financial data throughout the observation period. The study employs the REC (Risk Profile, Earnings, and Capital) framework to evaluate financial performance, focusing on key indicators such as Non-Performing Financing/Loans (NPF/NPL), Return on Assets (ROA), Operational Efficiency Ratio (BOPO), Capital Adequacy Ratio (CAR), and liquidity ratios including Financing to Deposit Ratio (FDR) and Loan to Deposit Ratio (LDR). The Mann-Whitney U test is utilized as a non-parametric approach to determine the presence of statistically significant differences between the two banking groups. The results reveal that Islamic and conventional banks exhibit significantl differences inl NPF/NPL, ROA, BOPO, andl CAR during thel pandemic, while no significant disparity is observed in FDR and LDR, indicating comparable liquidity performance between the two banking models. These findings are expected to provide useful insights for stakeholders in assessing the stability and responsiveness of banking institutions during financial crises.”
Kepuasan Kerja Karyawan Terhadap Inovasi dan Kreativitas Manajerial Usaha Mikro, Kecil dan Menengah (UMKM) di Klinik Bisnis Ponsera Bojongsari Kota Depok Pajar; Azian M. Safan; Lestari, Nurul Khofifah; Sari, Kartika; Nabilah, Azmi; Sugiarti, Endang; Sampurnaningsih, Sri Retnaning
Karimah Tauhid Vol. 3 No. 12 (2024): Karimah Tauhid
Publisher : Universitas Djuanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/karimahtauhid.v3i12.16402

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh inovasi dan kreativitas manajerial terhadap kepuasan kerja karyawan di usaha mikro, kecil, dan menengah (UMKM) di Klinik Bisnis Ponsera Bojongsari, Kota Depok. Dalam konteks persaingan yang semakin ketat, inovasi dan kreativitas manajerial menjadi kunci untuk meningkatkan efektivitas operasional dan produktivitas karyawan. Metode yang digunakan dalam penelitian ini adalah survei dengan distribusi kuesioner kepada karyawan UMKM yang bernaung di Klinik Bisnis Ponsera. Data yang terkumpul dianalisis menggunakan teknik statistik deskriptif dan inferensial.Hasil penelitian menunjukkan bahwa terdapat hubungan positif yang signifikan antara inovasi manajerial dan kepuasan kerja karyawan. Selain itu, kreativitas manajerial juga berkontribusi secara signifikan terhadap peningkatan kepuasan kerja karyawan. Temuan ini mengindikasikan bahwa manajer yang mampu menerapkan inovasi dan mendorong kreativitas dalam lingkungan kerja akan menciptakan suasana yang mendukung kepuasan karyawan, yang pada gilirannya dapat meningkatkan kinerja UMKM. Penelitian ini diharapkan dapat memberikan wawasan bagi pemilik dan pengelola UMKM dalam mengembangkan strategi manajerial yang lebih efektif untuk meningkatkan kepuasan kerja karyawan.  
Co-Authors Agustiani, Mulia Audryna, Leyryza Azian M. Safan Kartika Sari Lestari, Nurul Khofifah Marjohan, Masno Marliana Marliana, Marliana Muslim Pajar Sampurnaningsih, Sri Retnaning Setiawan, Anthony Sugiarti, Endang