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All Journal Paradoks : Jurnal Ilmu Ekonomi Jurnal Media Akademik (JMA) Jurnal Nusa Manajemen
Phatra Anggana Djuri
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Artificial Intelligence and Financial Regulation in Indonesia’s Islamic Banking: a Systematic Literature Review Muhammad Bashri Bas; Rika Febby Rhamadhani; Rasmi Nur Anggraeni; I Putu Edi Darmawan; Phatra Anggana Djuri
Paradoks : Jurnal Ilmu Ekonomi Vol. 8 No. 3 (2025): May - July
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v8i3.1519

Abstract

The integration of Artificial Intelligence (AI) into Islamic financial products marks a transformative shift in the global financial ecosystem, particularly in Indonesia, where Islamic finance constitutes a vital pillar of the national economy. This study conducts a systematic literature review to explore the evolving intersection between AI technologies and Islamic financial systems, with a specific focus on implications for Indonesia’s regulatory and institutional landscape. Employing a qualitative-descriptive approach, the study examines the types, phases, and functional characteristics of AI, as well as the operational principles and structures of Islamic financial products, including murabaha, mudarabah, and sukuk. Findings indicate that AI has the potential to significantly improve operational efficiency, enhance transparency, facilitate real-time decision-making, and expand financial accessibility among underserved Muslim populations. However, the integration of AI also raises important concerns, particularly regarding Shariah compliance, data ethics, algorithmic bias, and regulatory readiness. The study highlights gaps in existing regulatory frameworks, including the lack of AI-specific guidelines within the current Islamic finance governance structures. To address these challenges, the paper proposes a set of policy recommendations, such as developing Shariah-aligned AI standards, enhancing collaboration between regulators and fintech developers, and fostering capacity-building among Islamic finance professionals. By ensuring that AI implementation aligns with Islamic ethical values, Indonesia can position itself as a leader in sustainable, inclusive, and innovation-driven Islamic finance in the digital era.
PERAN SISTEM INFORMASI AKUNTANSI DIGITAL DALAM MENINGKATKAN KINERJA UMKM: LITERTURE REVIEW Enggar Khoviva Dwianingrum; Erwinsyah; Phatra Anggana Djuri
Jurnal Media Akademik (JMA) Vol. 3 No. 8 (2025): JURNAL MEDIA AKADEMIK Edisi Agustus
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/st0w3r25

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran penting dalam perekonomian Indonesia, namun masih menghadapi berbagai kendala dalam pengelolaan keuangan, terutama terkait kemampuan menghasilkan laporan yang akurat dan sesuai standar. Kehadiran Sistem Informasi Akuntansi (SIA) berbasis digital memberikan peluang untuk mengatasi persoalan tersebut dengan menyediakan pencatatan dan pelaporan keuangan yang otomatis, real time, dan terintegrasi. Penelitian ini bertujuan untuk menganalisis peran SIA digital dalam meningkatkan kinerja UMKM, mengidentifikasi faktor-faktor pendukung keberhasilan penerapan, serta mengungkap hambatan yang dihadapi dalam implementasinya. Dengan menggunakan metode Systematic Literature Review (SLR) yang berpedoman pada protokol PRISMA, sebanyak 139 artikel disaring dan 10 artikel relevan dianalisis lebih lanjut. Hasil penelitian menunjukkan bahwa SIA digital berkontribusi positif terhadap profitabilitas, transparansi, dan akses pembiayaan, terutama jika dipadukan dengan strategi pemasaran digital. Namun, penelitian ini juga menemukan adanya keterbatasan berupa rendahnya literasi akuntansi, keterbatasan infrastruktur, tingginya biaya penerapan, dan resistensi budaya kerja. Implikasi penelitian ini menegaskan perlunya pelatihan berkelanjutan, pendampingan intensif, dukungan infrastruktur, serta pengembangan aplikasi akuntansi yang lebih sederhana dan ramah pengguna. Secara teoretis, penelitian ini memperkaya literatur tentang hubungan digitalisasi akuntansi dengan kinerja UMKM, sementara secara praktis memberikan rekomendasi bagi pembuat kebijakan, penyedia teknologi, dan pelaku UMKM dalam memperkuat daya saing di era transformasi digital.
KESIAPAN SISTEM INFORMASI AKUNTANSI UNTUK MENGHADAPI TANTANGAN BISNIS DIGITAL PADA UMKM: LITERATUR REVIEW Suci Deliya Natasya; Femillia Zahra; Erwinsyah; Phatra Anggana Djuri
Jurnal Media Akademik (JMA) Vol. 3 No. 8 (2025): JURNAL MEDIA AKADEMIK Edisi Agustus
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/xxgg4x73

Abstract

Penelitian ini bertujuan untuk mengkaji kesiapan Usaha Mikro, Kecil, dan Menengah (UMKM) dalam mengimplementasikan Sistem Informasi Akuntansi (SIA) di tengah transformasi bisnis digital yang semakin pesat. Dengan menggunakan metode Systematic Literature Review (SLR) berbasis kerangka PRISMA 2020, studi ini menghimpun dan menganalisis 11 artikel ilmiah terindeks SINTA yang relevan dengan topik kesiapan SIA pada UMKM. Hasil tinjauan menunjukkan bahwa kesiapan UMKM masih belum merata, yang dipengaruhi oleh faktor teknis serta faktor non-teknis. Studi ini menegaskan diperlukan penyelenggaraan program pelatihan akuntansi digital secara berkelanjutan untuk meningkatkan literasi digital dan akuntansi, pemberian insentif pembiayaan atau subsidi lisensi perangkat lunak akuntansi untuk UMKM skala mikro, pengembangan ekosistem digital terpadu melalui kolaborasi pemerintah, penyedia teknologi, dan lembaga keuangan, serta peningkatan kesadaran keamanan data digital agar UMKM lebih percaya diri dalam mengadopsi teknologi. keterbatasan penelitian ini terletak pada cakupan literatur yang terbatas pada studi-studi tertentu dan sebagian besar berfokus pada konteks Indonesia, serta pada sifatnya yang hanya berbasis tinjauan literatur tanpa data empiris primer, sehingga penelitian selanjutnya disarankan mengombinasikan metode literatur review dengan survei atau wawancara langsung agar hasilnya lebih komprehensif dan akurat dalam memotret kesiapan serta tantangan implementasi SIA digital di UMKM.
PERAN TRANSFORMASI DIGITAL DALAM MENDUKUNG BISNIS UMKM MELALUI PLATFORM PEMBAYARAN QRIS MIKHA SHOP PALU Yuly Azahra; Erwinsyah; Phatra Anggana Djuri; Femilia Zahra
Jurnal Nusa Manajemen Vol. 2 No. 3 (2025): Jurnal Nusa Manajemen Volume 2 Nomor 3 November Tahun 2025
Publisher : Publika Citra Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62237/jnm.v2i3.185

Abstract

This study aims to examine the impact of implementing the Quick Response Code Indonesian Standard (QRIS) in supporting digital transformation among micro, small, and medium enterprises (MSMEs), with a case study at Toko Mikha Shop in Palu City. The research employed a qualitative approach through in-depth interviews, observations, and document analysis, complemented by descriptive quantitative data. The findings reveal a significant shift in transaction patterns after the adoption of QRIS, where digital payments accounted for 50% of total transactions, compared to previously 100% cash payments. Furthermore, the shop’s monthly sales turnover increased by 20%, rising from IDR 15,000,000 to IDR 18,000,000. QRIS was found to simplify payment processes, accelerate transactions, enhance operational efficiency, and support more accurate and organized financial record-keeping. Its implementation also contributed to improved customer satisfaction. However, challenges such as a 0.7% transaction administration fee, delays in fund disbursement, and unstable internet connectivity remain critical issues. This study recommends enhancing digital literacy among MSME actors, improving technological infrastructure, and providing supportive policies to optimize the sustainable use of QRIS
IMPLEMENTASI SISTEM PEMBAYARAN DIGITAL QRIS DALAM MENINGKATKAN PENJUALAN UMKN FC SARJANA Misbahul Aulia; Erwinsyah; Phatra Anggana Djuri; Femilia Zahra
Jurnal Nusa Manajemen Vol. 2 No. 3 (2025): Jurnal Nusa Manajemen Volume 2 Nomor 3 November Tahun 2025
Publisher : Publika Citra Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62237/jnm.v2i3.268

Abstract

This study examines the implementation of the Quick Response Code Indonesian Standard (QRIS) digital payment system in a student-run photocopy business, FC Sarjana. The research aims to analyze how the adoption of QRIS influences transaction efficiency, financial recording, and potential sales growth. A qualitative descriptive approach was employed, utilizing field observations and in-depth interviews with the owner, employees, and customers. The findings reveal that QRIS facilitates smoother transactions, particularly for students who rarely carry cash, and supports automatic financial recording. Moreover, QRIS enhances the image of the business as modern and professional. However, challenges remain in terms of customer trust in digital proof of payment and dependence on internet connectivity. This study contributes theoretically by expanding the discussion on financial technology adoption in micro-service sectors and offers practical recommendations for micro, small, and medium enterprises (MSMEs) in leveraging QRIS to strengthen their competitiveness.
PERAN DIGITALISASI PEMASARAN DALAM MENDORONG PERTUMBUHAN PENJUALAN : STUDI KASUS TOKO ROSE COLLECTION PALU Selfina Lahabu; Erwinsyah; Phatra Anggana Djuri; Femilia Zahra
Jurnal Nusa Manajemen Vol. 2 No. 3 (2025): Jurnal Nusa Manajemen Volume 2 Nomor 3 November Tahun 2025
Publisher : Publika Citra Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62237/jnm.v2i3.321

Abstract

This study aims to examine how digital marketing through social media is utilized to increase sales and customer loyalty at Rose Collection Palu, a local fashion SME. The research uses a descriptive qualitative method with data collected through in-depth interviews, observation, and documentation. The findings show that TikTok, Instagram, and Facebook are actively used as the main platforms for promotion, communication, and customer engagement. Visual content strategies that align with current trends are proven to boost audience interaction and build brand image. Digitalization significantly contributes to sales growth, with online sales accounting for 60% and a notable increase in new customers. However, challenges such as algorithm fluctuations and limited content production tools remain. This study contributes as a reference for SMEs to develop adaptive digital strategies and provides input for policymakers in supporting digital transformation among micro-businesses.
PERAN BISNIS DIGITAL DALAM MENINGKATKAN PENJUALAN DAN KEPUASAN PELANGGAN PADA DIMSUM NYAMEE.ID PALU Dian Safita; Erwinsyah; Phatra Anggana Djuri; Femilia Zahra
Jurnal Nusa Manajemen Vol. 2 No. 3 (2025): Jurnal Nusa Manajemen Volume 2 Nomor 3 November Tahun 2025
Publisher : Publika Citra Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62237/jnm.v2i3.322

Abstract

Digital transformation through social media has become a strategic tool for micro, small, and medium enterprises (MSMEs) to enhance their adaptability in the era of technology. This study examines the implementation of digital business systems by Dimsum Nyamee.id Palu through WhatsApp, Instagram, and TikTok, focusing on increasing sales and customer satisfaction. The research employs a descriptive qualitative approach with data collection methods including in-depth interviews, observations, and documentation. The findings reveal that the daily pre-order system integrated with social media simplifies the ordering process, improves production efficiency, and strengthens communication with customers. Digital marketing strategies that rely on informative and interactive content have proven effective in expanding market reach and enhancing customer loyalty. Customers expressed satisfaction with service quality, ordering convenience, and the responsiveness of the admin. This study demonstrates that simple yet well-directed digitalization can significantly improve the operational performance and services of MSMEs. The findings also hold important implications as evidence that social media can serve as a strategic tool in supporting the development of MSMEs. Moreover, the results can serve as a reference for business practitioners and policymakers in formulating relevant and sustainable digital transformation strategies.
PENGGUNAAN SISTEM APLIKASI KASIR TERHADAP AKURASI LAPORAN KEUANGAN UMKM MUSLIMAHSHOP miswati; Femilia Zahra; Erwinsyah; Phatra Anggana Djuri
Jurnal Nusa Manajemen Vol. 2 No. 3 (2025): Jurnal Nusa Manajemen Volume 2 Nomor 3 November Tahun 2025
Publisher : Publika Citra Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62237/jnm.v2i3.323

Abstract

This study examines the use of cashier applications on the accuracy of financial reports in MSMEs, with a focus on Muslimahshop, a women's fashion store in Palu City. The background of this study is related to the continued use of manual recording by most MSMEs, which is prone to errors, data loss, and reporting delays. This study aims to evaluate the effectiveness of the iPOS 15 cashier application in improving accuracy and reducing recording errors. The method used is descriptive qualitative through interviews, observation, and documentation. The results show that the use of cashier applications has a positive impact on improving recording efficiency, data accuracy, and speed in preparing financial reports. This study proves that cashier applications play a strategic role in supporting the digitalization of MSME finances and increasing the transparency and quality of financial information.
Co-Authors Dian Safita Enggar Khoviva Dwianingrum Erwinsyah Femilia Zahra Femillia Zahra I Putu Edi Darmawan Misbahul Aulia Miswati Muhammad Bashri Bas Rasmi Nur Anggraeni Rika Febby Rhamadhani Selfina Lahabu Suci Deliya Natasya Yuly Azahra