Article Per Year (5 Year)
p-Index From 2021 - 2026
0.61
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All Journal Journal of Business Integration Competitive Journal of Finance Integration and Business Independence
Nurul Syafiqah Azman
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Enhancing Financial Decision-Making in SMEs: The Role of Accounting Systems and Human Resource Competence in North Medan Adi Harianto; Nurul Syafiqah Azman; Essia Ries Ahmed Abu Ries; Zakia Fadila; Tyus Windi Ayuni
Journal of Business Integration Competitive Vol. 2 No. 1 (2025): Journal of Business Integration Competitive
Publisher : Yayasan Bina Bisnis Nusantara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jobic.v2i1.25

Abstract

This research examines the influence of accounting system deployment and human resource proficiency on financial decision-making within small and medium enterprises (SMEs) in North Medan. The swift growth of SMEs in the region highlights the necessity of proficient financial management procedures, frequently shaped by the caliber of accounting systems and the competencies of human resources. A quantitative research methodology was employed to gather data via surveys from 150 owners and managers of SMEs in North Medan. The results indicate that the quality of financial decisions made by these businesses is greatly affected by both the use of a structured accounting system and the skills of the people who work there. The study shows how strong accounting processes improve financial openness and help with strategic decision-making. It also shows how talented workers can help with more accurate financial analysis and better long-term planning. The results indicate that small and medium-sized businesses (SMEs) need to spend money on both advanced accounting systems and training for their employees to improve their financial performance. This research enhances the comprehension of financial management in emerging economies and provides actionable recommendations for SMEs in North Medan to refine their financial decision-making processes
Empowering Generation Z: The Influence of Self-Efficacy and Digital Financial Inclusion on Financial Behavior in the Digital Era Chaniago, Sabaruddin; Nurul Syafiqah Azman; Ahmad Fadli; Deva Djohan; Widy Hastuty
Journal of Finance Integration and Business Independence Vol. 1 No. 2 (2025): Journal of Finance Integration and Business Independence
Publisher : YAYASAN BINA BISNIS NUSANTARA MEDAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jofibi.v1i2.37

Abstract

Effective Financial Self-Efficacy (EFSE) and Digital Financial Inclusion (DFI) significantly impact financial behavior, particularly among younger generations like Generation Z, who are increasingly familiar with digital financial services. This research seeks to examine the impact of EFSE on financial behavior (FB) using DFI within Generation Z in Medan City. A quantitative methodology was employed to gather data via an online survey of 147 Generation Z respondents who regularly utilize digital financial platforms, including digital wallets, mobile banking, and fintech loans. The Partial Least Squares–Structural Equation Modeling (PLS-SEM) method was used to examine the relationship between the proposed variables and analyze the data. The findings indicate that EFSE exerts a positive and significant impact on FB, with DFI serving as a mediator that enhances the influence of EFSE on financial behavior. These results indicate that Generation Z individuals with elevated financial self-efficacy are more judicious in their financial decision-making, particularly when facilitated by access to digital financial services. This study enhances the behavioral finance literature by emphasizing the essential roles of EFSE and DFI in cultivating sound financial practices among youth in the digital era. The findings indicate the necessity to create extensive digital and financial literacy initiatives to enhance self-efficacy and the use of digital financial services within Generation Z
Shariah-Based Ethical Frameworks and Their Role in Shap-ing Islamic Finance in Asia: A Systematic Literature Review Nurul Syafiqah Azman; Affendy Abu Hassim; Said Nasser Al-Amrani; Nasib, Nasib; Fathoni, Muhammad
Journal of Finance Integration and Business Independence Vol. 2 No. 1 (2026): Journal of Finance Integration and Business Independence
Publisher : YAYASAN BINA BISNIS NUSANTARA MEDAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jofibi.v2i1.87

Abstract

The purpose of this research is to examine the role played by regional ethical codes in Islamic banking's development, adoption and the integration of this financial system at the international level. A comprehensive review of the last 6 years' research in the field is given, covering 86 academic papers from 2020 to 2025. The PRISMA methodology is applied in order to identify, appraise and merge the findings from the studies in areas like ethical and cultural values, Shariah compliance, governance, and socio-economic goals. In fact, research shows that regional ethical frameworks are crucial in ensuring that Islamic financial services are truly ethical and in addition are a key factor in differentiating Islamic financial services from conventional ones within the global marketplace. In the integration of Islamic finance with global norms there are a number of challenges, including the integration of Islamic finance with community-based ethics, the need to harmonise Islamic law with transnational financial dealings and the impact of technological advancements such as the development of financial services companies (fintech). The key theme in this study is the integration of Islamic financial practices with the values of their community, the strategies employed by financial institutions to reconcile local Shariah law with international finance systems, and the role of ethical governance in establishing trust and promoting economic growth. In light of these implications, it is essential that regulatory agencies, industry leaders and government officials work towards ensuring international business practices align with local standards of ethics. Further research is required in such areas as the implications of sustainable finance for conventional financial structures, digitalisation and its impact on the role of the business community and the finance industry, and in cross border issues of ethics.
Co-Authors Adi Harianto Affendy Abu Hassim Ahmad Fadli Chaniago, Sabaruddin Deva Djohan Essia Ries Ahmed Abu Ries Muhammad Fathoni, Muhammad Nasib Said Nasser Al-Amrani Tyus Windi Ayuni Widy Hastuty Zakia Fadila