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All Journal J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Journal of Islamic Economics and Finance Seuraya Jurnal Pengabdian Kepada Masyarakat
Muarif Setiawan
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Religion Humanities Chemistry Economics, Econometrics & Finance Social Sciences Other

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Strategy In Preventing Financial Distress: Resolution Of Problem Financing At Bank Aceh Syariah Branch Peureulak Aceh Ulya, Zikriatul; Safwandi; Sarita Ulfia; Muarif Setiawan; Zulhilmi
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,10 No 1 (2025)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v10i1.10962

Abstract

This study discusses the strategy of resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch peureulak, the problems presented in this study are, the level of financing problems in Bank Aceh Syariah sub-branch of peureulak how to solve problematic financing in preventing financial distress at Bank Aceh Syariah Peureulak auxiliary branch, what decisions are taken in the settlement of problematic financing, what are the strategies in the settlement of problematic financing. The purpose of this study is to analyze the strategy for resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch peureulak with a process hierarchy analysis method. This research method is the positive qualitative Analytic Hierarchy Process (AHP) method. The results of this study show that the alternative priority of problematic financing settlement strategies in preventing financial distress at Bank Aceh Syariah sub-branch peureulak from the results of the assessment of 3 criteria, 5 sub-criteria, and 4 alternatives based on the results of the analysis of AHP using expert choice The highest priority strategy is to close and sell one or more business units (0.293), then the second strategy priority is the extension of the credit schedule (0.280), and the third strategy is to reduce profits (0.231). In conclusion, the priority of alternative strategies for resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch of peureulak from the results of the assessment of 3 criteria, 5 sub-criteria, and 4 alternatives based on the results of the analysis using expert choice obtained is the highest priority of the third-party fund dependency strategy with an inconsistency value of 0.05< 0.1 interpreted as consistent. The recommendation for banks is to strengthen risk analysis and financing restructuring policies, while for customers, it is recommended to be cooperative in following financing rescue policies so that business sustainability is maintained and the risk of financial distress can be minimized.
Pengaruh Sikap dan Pengetahuan Keuangan Di Kota Langsa : Dampak Manajemen Keuangan Pribadi dan Gender Sebagai Variabel Moderating Ulya, Zikriatul; Aisyah Putri; Syamsul Rizal; Aya Zulfia4; Muarif Setiawan
Journal Of Islamic Economics And Finance Vol 5 No 2 (2025): Vol. 5 No. 2 (2025)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jief.v5i2.10049

Abstract

This study aims to analyze the effect of financial attitudes and knowledge on personal financial management among students in Langsa City, with gender as a moderating variable. Using a quantitative descriptive approach with a sample of 200 students selected through purposive sampling, the data were analyzed using multiple linear regression and Moderated Regression Analysis (MRA). The results show that attitudes and financial knowledge have a positive and significant effect on personal financial management, both partially and simultaneously. In addition, gender moderates the relationship between these two variables, indicating that psychological, cognitive, and demographic factors play an important role in shaping students' financial behavior. These findings contribute theoretically to the understanding of financial behavior and provide practical recommendations for educational institutions to develop gender-sensitive financial literacy programs.
EDUKASI LITERASI KEUANGAN DAN PENGELOLAAN DANA BEASISWA KIP KULIAH BAGI MAHASISWA IAIN LANGSA UNTUK MENCEGAH PERILAKU KONSUMTIF Zikriatul Ulya; Muarif Setiawan; Khairatun Hisan; Ilham Juliyannur; Rafiza Zuliani; Zulhilmi; Wahyuni; Nasruddin; Aulia Husniati; Husni
SEURAYA Jurnal Pengabdian Kepada Masyarakat Vol 4 No 1 (2026): SEURAYA: Jurnal Pengabdian kepada Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The management of Indonesia Smart Card for Higher Education (KIP Kuliah) scholarship funds is an essential factor in supporting students' academic success. However, some KIP Kuliah recipients at IAIN Langsa have not yet managed their scholarship funds optimally, resulting in spending that is not fully aligned with priority needs and increasing the risk of consumptive behavior. This activity aimed to enhance students' understanding of financial management through budget planning, appropriate fund allocation, and the establishment of spending priorities. A descriptive qualitative approach was employed using observation, structured interviews, and documentation involving one Academic Affairs staff member and eight KIP Kuliah scholarship recipients selected through purposive sampling. The collected data were analyzed using data reduction, data display, and conclusion drawing techniques. The findings revealed that 62.5% of the students had prepared a budget plan before utilizing their scholarship funds, while 37.5% had not yet developed a systematic financial plan. Most of the scholarship funds were allocated to academic and living expenses, including meals, transportation, books, photocopying, and internet access. Nevertheless, some students still tended to use part of the funds for consumptive purposes that were not aligned with the objectives of the scholarship program. The activity contributed to increasing students' awareness of the importance of financial literacy, budgeting, and responsible scholarship fund management. Continuous financial literacy assistance provided by higher education institutions is expected to strengthen students' financial independence and optimize the utilization of KIP Kuliah scholarship funds to support their academic achievement.
Co-Authors Aisyah Putri Aulia Husniati Aya Zulfia4 Husni Ilham Juliyannur Khairatun Hisan Nasruddin Safwandi Sarita Ulfia Syamsul Rizal Ulya, Zikriatul WAHYUNI Zikriatul Ulya Zulhilmi Zuliani, Rafiza