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All Journal West Science Accounting and Finance Journal of Innovative and Creativity International Journal of Economics, Business and Innovation Research
Pocut Ainiah
Universitas Islam Aceh
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Tantangan Dan Peluang Digitalisasi Lembaga Keuangan Syariah Di Era Revolusi Industri 4.0 Pocut Ainiah
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.4254

Abstract

Revolusi industri 4.0 membawa perubahan signifikan dalam sistem keuangan global, termasuk bagi lembaga keuangan syariah. Transformasi digital menjadi kebutuhan strategis agar lembaga keuangan syariah tetap kompetitif, efisien, dan relevan di tengah kemajuan teknologi finansial (fintech). Penelitian ini bertujuan untuk menganalisis tantangan dan peluang yang dihadapi lembaga keuangan syariah dalam proses digitalisasi. Metode penelitian yang digunakan adalah studi literatur dengan pendekatan kualitatif deskriptif. Hasil penelitian menunjukkan bahwa digitalisasi menghadirkan peluang besar dalam peningkatan inklusi keuangan, efisiensi operasional, dan transparansi sistem keuangan syariah. Namun, terdapat pula tantangan berupa keterbatasan infrastruktur digital, literasi teknologi yang rendah, serta perlunya kepastian hukum dan fatwa syariah yang mengatur inovasi keuangan digital. Penelitian ini menegaskan pentingnya sinergi antara regulator, industri, dan masyarakat dalam mempercepat transformasi digital keuangan syariah yang sesuai dengan prinsip-prinsip Islam.
Utilization of Financial Statement Information and Planning Orientation on the Quality of Business Decisions of Textile MSMEs in West Java Junaidi Junaidi; Lainatusshifa Kemal; Azhar Azhar; Humairoh Humairoh; Pocut Ainiah; Wahyuni Sri Astutik
West Science Accounting and Finance Vol. 4 No. 01 (2026): West Science Accounting and Finance
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsaf.v4i01.2743

Abstract

This study aims to examine the influence of financial statement information utilization and planning orientation on the quality of business decisions among textile Micro, Small, and Medium Enterprises (MSMEs) in West Java. The research adopts a quantitative approach using a survey method involving 155 MSME owners and managers as respondents. Data were collected through structured questionnaires measured on a Likert scale and analyzed using SPSS version 25. The analytical techniques employed include descriptive statistics, validity and reliability tests, classical assumption tests, and multiple linear regression analysis. The results indicate that financial statement information utilization has a positive and significant effect on decision quality, suggesting that MSMEs that effectively use financial data tend to make more accurate and informed decisions. Planning orientation also demonstrates a positive and significant influence, indicating that structured and forward-looking planning enhances the effectiveness of business decisions. Simultaneously, both variables significantly affect decision quality, with a coefficient of determination (R²) of 0.475, meaning that 47.5% of decision quality is explained by the two independent variables. This study contributes to the literature by integrating financial information utilization and planning orientation as key determinants of decision quality in MSMEs. Practically, the findings emphasize the importance of improving financial literacy and strengthening planning practices among textile MSMEs to enhance decision-making effectiveness and business sustainability.
The Influence Of Geopolitics And Exchange Levels On Gold Prices In Indonesia Pocut Ainiah; Hayatun Nufus
International Journal of Economics, Business and Innovation Research Vol. 5 No. 05 (2026): International Journal of Economics, Business and Innovation Research( IJEBIR)
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v5i05.5746

Abstract

This study aims to analyze the effects of geopolitical conditions and exchange rates on gold prices in Indonesia during the 2021–2025 period. The research employed a quantitative approach using secondary time-series data obtained from the Geopolitical Risk Index (GPR), Bank Indonesia (JISDOR), and PT Aneka Tambang Tbk (Antam). The data were analyzed using multiple linear regression after fulfilling the classical assumption tests, including normality, multicollinearity, heteroscedasticity, and autocorrelation tests. The findings indicate that geopolitical risk has a positive and significant effect on gold prices in Indonesia. Rising global geopolitical uncertainty encourages investors to shift their investments toward safe-haven assets, thereby increasing the demand for and price of gold. Furthermore, the USD/IDR exchange rate also has a positive and significant effect on domestic gold prices. The depreciation of the Indonesian rupiah against the US dollar leads to higher domestic gold prices because gold is traded internationally in US dollars. Simultaneously, geopolitical conditions and exchange rates explain variations in gold prices in Indonesia during the observation period. These findings imply that investors should consider global geopolitical developments and exchange rate movements when making gold investment decisions, while policymakers should maintain macroeconomic stability to mitigate the impact of global uncertainty on the domestic financial market.
Value - Based Economic Resilience: A Phenomenological Study Of Msmes' Survival Strategies Through Islamic Philanthropy Practices Hayatun Nufus; Pocut Ainiah
International Journal of Economics, Business and Innovation Research Vol. 5 No. 05 (2026): International Journal of Economics, Business and Innovation Research( IJEBIR)
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v5i05.5890

Abstract

This study aims to examine value-based economic resilience among Micro, Small, and Medium Enterprises (MSMEs) through the implementation of Islamic philanthropic practices. Using a qualitative approach with a phenomenological method, the research explores the lived experiences of MSME owners in making sense of zakat, infaq, alms, and various other forms of Islamic philanthropy as strategies to maintain business sustainability amidst various economic challenges. Informants were selected purposively, consisting of MSME owners who continuously practice Islamic philanthropy and have experienced economic pressure. The findings reveal that Islamic philanthropic practices are not perceived as a reduction in assets or business capital, but rather as a form of spiritual investment believed to bring blessings (barakah), peace of mind (tuma'ninah), and enhanced optimism in managing the business. Furthermore, these practices play a role in strengthening social capital by increasing customer trust, employee loyalty, and community support for business continuity. This study also develops the concept of Value-Based Economic Resilience, defined as economic resilience built through the synergy of economic, social, and spiritual capital. These findings contribute to the development of Islamic economics literature by emphasizing that Islamic philanthropy functions not only as a mechanism for wealth distribution, but also as an effective internal strategy to enhance the economic resilience of MSMEs.
Co-Authors Azhar Azhar Hayatun Nufus Humairoh Humairoh Junaidi Junaidi Lainatusshifa Kemal Wahyuni Sri Astutik