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All Journal JOURNAL OF SCIENCE AND SOCIAL RESEARCH Jurnal Ilmiah Manajemen Dan Kewirausahaan Brilliant International Journal of Management and Tourism
Zulfa Khairina Batubara
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Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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Analysis of the Effect of Human Development Index, Poverty, and Islamic Philanthropy on Economic Growth: An Empirical Study in Aceh Province Muhammad Yusuf Harahap; Yusrizal Yusrizal; Nurma Sari; Mira Chairani; Zulfa Khairina Batubara; Susi Herawati
Brilliant International Journal Of Management And Tourism Vol. 5 No. 2 (2025): : Brilliant International Journal Of Management And Tourism
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/bijmt.v5i2.4732

Abstract

Inclusive economic growth is a key priority in regional development, particularly in areas that adopt an Islamic economic system, such as the City of Banda Aceh. However, challenges such as persistent poverty and the suboptimal utilisation of Islamic philanthropy continue to hinder the strengthening of regional economic performance. This study aims to examine the effects of the Human Development Index (HDI), poverty rate, and zakat/infaq/sedekah (ZIS) on the economic growth of Banda Aceh from 2015 to 2024. A quantitative approach was employed, using a time series linear regression model. Secondary data were obtained from the Central Bureau of Statistics (BPS), Baitul Mal Aceh, and other official sources. The findings reveal that HDI has a positive and statistically significant effect on economic growth. In contrast, poverty and ZIS do not have a significant individual impact. Nevertheless, the model demonstrates strong explanatory power, with a significance level of 0.002. These results suggest that improving human capital through HDI is a critical driver of economic growth. Accordingly, development policies in Banda Aceh should prioritise investment in education and health sectors, alongside the expansion of productive zakat programmes, to foster sustainable economic growth rooted in Islamic values.
Pengaruh CR, DAR, dan TATO terhadap ROA pada Perusahaan Subsektor Minyak, Gas, dan Batu Bara yang Terdaftar di ISSI Periode 2022-2024 Sasa Aprilia Amanda; Zulfa Khairina Batubara
Jurnal Ilmiah Manajemen dan Kewirausahaan Vol. 5 No. 2 (2026): Mei: Jurnal Ilmiah Manajemen dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimak.v5i2.6814

Abstract

This research is intended to examine the relationship between CR, DAR, and TATO and ROA in companies within the oil, gas, and coal subsector listed on the Indonesian Sharia Stock Index (ISSI) during the 2022–2024 period. The study aims to provide empirical evidence regarding the influence of financial ratios on the profitability level of companies in the energy sector, which plays an important role in the economy. The approach applied in this study is quantitative, utilizing secondary data in the form of financial position reports and company performance reports obtained from the Indonesia Stock Exchange. The sample was determined using a purposive sampling technique based on specific criteria to ensure that the data obtained were relevant to the needs of the research analysis. Data processing techniques were carried out using the multiple linear regression method, supported by statistical software to evaluate the effect of each independent variable as well as their collective influence on the dependent variable. The empirical findings indicate that CR, DAR, and TATO simultaneously have a significant effect on ROA. Partially, CR and DAR show a negative and significant relationship with ROA, while TATO shows a positive but not significant relationship. The coefficient of determination indicates that the explanatory power of the model is relatively low, suggesting that company profitability is also influenced by various other factors beyond the variables analyzed in this study.
PENGELOLAAN HARTA DALAM ISLAM: ANALISIS MA’NĀ-CUM-MAGHZĀ TERHADAP QS. AL-ISRA’ AYAT 26 Zulfa Khairina Batubara; Azhari Akmal Tarigan; Rahmi Syahreza
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 8 No. 2 (2025): May 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i2.3139

Abstract

Abstract: This research discusses how to manage assets from an Islamic perspective based on QS. Al-Isra' (17: 26) with a ma'na cum maghza analysis approach. The main focus in the interpretation of Surah Al-Isra' (17: 26) is that it reminds us to share rights (in this case specifically for assets) and the prohibition on wasting assets (wasteful/tabzir). The results of the research show that in Islam the property produced by an individual is not entirely the property of that individual, but some of the property owned is the right of another individual. Therefore, someone who has assets must be wise in managing these assets. And get benefits that are worth worship when using these assets.. Keywords: Wealth Management in Islam; QS.Al-Isra' [17]: 26; Ma’na Cum Maghza. Abstrak: Penelitian ini membahas tentang bagaimana pengelolaan harta dalam sudut pandang Islam berdasarkan QS. Al-Isra’ (17: 26) dengan pendekatan analisis ma’na cum maghza. Fokus utama dalam tafsiran Surat Al-Isra’ (17: 26) adalah bahwa mengingatkan untuk membagi hak (dalam hal ini di khususkan pada harta) dan larangan menghambur-hamburkan harta (boros/tabzir). Hasil penelitian menunjukkan bahwa dalam Islam harta yang dihasilkan individu bukanlah sepenuhnya hak milik individu tersebut saja, akan tetapi sebagian dari harta yang dimiliki tersebut terdapat hak individu lain. Oleh karena itu, seseorang yang memiliki harta harus bijaksana dalam mengelola harta tersebut. Dan mendapat manfaat yang bernilai ibadah ketika digunakan harta tersebut Kata kunci: Pengelolaan Harta dalam Islam; QS.Al-Isra’ [17]: 26; Ma’na Cum Maghza. 
PENGARUH SERVICE QUALITY, PRODUCT QUALITY DAN CUSTOMER EXPERIENCE TERHADAP KEPUASAN KONSUMEN PADA TOKO ROTI ZAHRA  BAKERY AND CAKE  DI KOTA KISARAN Dinda Sri Rahmadani; Zulfa Khairina Batubara
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 9 No. 2 (2026): April 2026
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i2.6177

Abstract

This study aims to determine the simultaneous and partial effects of service quality, product quality, and customer experience on consumer satisfaction. The sample consisted of 96 respondents. The data analysis technique used multiple linear regression. The regression results produced the equation: Y = 1,901 + 0,315X1 + 0,561X2 + 0,407X3. The F-test result shows an Fcount (33.997) > Ftable (2.70), indicating that service quality, product quality, and customer experience simultaneously have a significant effect on consumer satisfaction. The t-test results show that, partially, service quality has a positive effect on consumer satisfaction because tcount (2.145) > ttable (1.986), product quality has a positive effect on consumer satisfaction because tcount (6.240) > ttable (1.986), and customer experience also has a positive effect on consumer satisfaction because tcount (3.386) > ttable (1.986). The R² test result shows an Adjusted R Square value of 0.510, meaning that the independent variables consisting of service quality, product quality, and customer experience are able to explain consumer satisfaction by 51%, while the remaining 49% is explained by other variables not included in this study.
Co-Authors Azhari Akmal Tarigan Chairani, Mira Dinda Sri Rahmadani Muhammad Yusuf Harahap Nurma Sari Rahmi Syahreza Sasa Aprilia Amanda Susi Herawati