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All Journal Hasanuddin Economics and Business Review AkMen JURNAL ILMIAH Journal on Education Iqtishoduna: Jurnal Ekonomi Islam Jurnal Review Pendidikan dan Pengajaran (JRPP) Journal of Research in Business, Economics, and Education Community Development Journal: Jurnal Pengabdian Masyarakat BERNAS: Jurnal Pengabdian Kepada Masyarakat International Journal Of Science, Technology & Management (IJSTM) International Journal of Educational Research and Social Sciences (IJERSC) Journal of Economics and Business Letters Journal Of Human And Education (JAHE) Husnayain Business Review Jurnal Pengabdian Masyarakat Akademisi International Journal of Islamic Business and Management Review Jurnal Pusat Akses Kajian Manajemen Asean International Journal of Business Indonesian Research Journal on Education Socius: Social Sciences Research Journal International Journal of Law, Policy and Governance International Journal of Indonesian Business Review Eko dan Bisnis: Riau Economic and Business Review
Kurniati Karim
Sekolah Tinggi Ilmu Ekonomi Sakti Alam Kerinci
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The Effect of Work Stress on Employee Performance Karim, Kurniati
Asean International Journal of Business Vol. 1 No. 1 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1189.18 KB) | DOI: 10.54099/aijb.v1i1.68

Abstract

The purpose of this research is to determine the effect of work stress during the Covid19 pandemic on employee performance. This research uses a qualitative descriptive method. Where to process the author's data using SPSS version 23. This research was conducted onPT Pan Baruna Pekanbaru Pekanbaru Riau Indonesia. The sample in this study were employees of PT. Pan Baruna was limited by the administration division and the sales division, which amounted to 87 people. Sample selection using purposive sampling method. In collecting data, the author uses primary data sources with questionnaires as a tool.Based on table 5.47, it can be seen that the simple linear regression equation formed is Y = 93.147 + (-0.822X). From these equations it can be explained that if the work stress variable increases by 1%, then the work performance of employees at PT. Pan Baruna Pekanbaru Branch decreased by 0.822. This shows that the work stress variable contributes negatively to employee performance, so that the work stress level of PT. Pan Baruna Pekanbaru Branch, the
PELATIHAN LITERASI KEUANGAN BAGI PENGAMBILAN KEPUTUSAN INVESTASI MASYARAKAT: STUDI EMPIRIS DI KOTA DAN DESA Jange, Beno; Karsim, Karsim; Hastin, Mira; Kesek, Meike Negawati; Ramatni, Ali; Karim, Kurniati
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 6 No. 1 (2025): Volume 6 No. 1 Tahun 2025
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v6i1.40495

Abstract

Penelitian ini bertujuan untuk meningkatkan literasi keuangan masyarakat melalui pelatihan daring. Pelatihan dilakukan menggunakan platform Zoom Cloud Meeting dengan materi yang mencakup konsep dasar keuangan, pengelolaan keuangan pribadi, dan pengambilan keputusan investasi. Hasil penelitian menunjukkan peningkatan yang signifikan pada pemahaman peserta mengenai konsep-konsep keuangan setelah mengikuti pelatihan. Temuan ini mengindikasikan bahwa pelatihan daring dapat menjadi sarana yang efektif untuk meningkatkan literasi keuangan masyarakat.
ANALISIS BIAYA RELEVAN MENERIMA ATAU MENOLAK PESANAN KHUSUS DI INDUSTRI BATIK INCUNG KOTA SUNGAI PENUH Karim, Kurniati
Jurnal Review Pendidikan dan Pengajaran Vol. 7 No. 1 (2024): Volume 7 No 1 Tahun 2024
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v7i1.25392

Abstract

Keberhasilan suatu industri tergantung pada kemampuan pemilik industry dalam menjalankang operasi industi. Pengambilan keputusan merupakan salah satu tugas pemilik industri. Dalam menjalankan kegiatan suatu industri maka seringkali pemilik industri dihadapkan pada beberapa pilihan alternatif dari aktivitas yang dilakukan. Untuk memilih salah satu alternatif tersebut, maka pihak industry membutuhkan informasi tentang biaya. Adapun tujuan penelitian ini adalah untuk mengetahui perhitungan harga pokok produksi yang digunakan oleh industri, serta menganalisis biaya relevan dalam kaitannya menerima atau menolak pesanan khusus. Metode yang digunakan dalam penelitian ini adalah metode deskriptif. Berdasarkan hasil penelitian, menunjukan baha Industri Batik Incung Kota Sungai Penuh belum menerapkan metode analisis biaya relevan dalam menghitung harga pokok produksi. Dalam perhitungan harga pokok produksi untuk menghasilkan 5.836 batik yang dihasilkan pada tahun 2019 oleh Industri Batik Incung Kota Sungai Penuh dengan metode full costing, Batik Incung Kota Sungai Penuh mengeluarkan biaya produksi sebesar Rp. 345.510.000. dengan menggunakan metode full costing biaya relevan yaitu mengelompokan biaya-biaya yang relevan dengan perhitungan HPP pemilik Industri mendapatkan keuntungan untuk pesanan tersebut, dan pesanan tersebut dapat diterima oleh pemilik Industri Batik Incung Kota Sungai Penuh. Industri batik incung menetapkan harga jual untuk pesanan khusus yaitu sebesar Rp.125.000. hasil penjualan batik incung selama satu tahun 2019 yaitu sebesar Rp. 728.250.000 dan biaya produksi yang dikeluarkan sebesar Rp. 345.510.000. dilihat dari analisis laba rugi bruto Industri Batik Incung Kota Sungai Penuh mendapatkan keuntungan sebesar Rp. 382.740.000
Comparative Analysis of Financial Performance Using Financial Ratios and Economic Value Added Karim, Kurniati
International Journal of Indonesian Business Review Vol. 1 No. 1 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijibr.v1i1.193

Abstract

This study aims to determine 1) monitor the financial performance of PT. Indofood Sukses Makmur Tbk. based on Financial Ratios 2) financial performance of PT. Indofood Sukses Makmur Tbk. based on Economic Value Added (EVA) 3) calculated based on the financial performance of PT. Indofood Sukses Makmur Tbk. based on Financial Ratios and EVA. Results Based on the research shows that the liquidity ratio is measured using the Current Ratio (CR). the average CR was 159% or 1.59 times, indicating that the company cannot afford the short term or the debt is due soon. The solvency ratio is measured using the Debt to Equity Ratio (DER) the average DER is 92.72%, indicating that the company uses other parties' capital more than its own capital. Activity Ratio is measured using TATO. TATO obtained an average of 74% or 0.74 times indicating ineffective asset turnover or the company has not maximized assets in generating sales. Profitability ratios are measured using ROE.  ROE of 11.48% was obtained, indicating that the company does not yet have equity in obtaining company profits or profits. Meanwhile, by using the EVAmethod, the average EVA is 1,288,895 which shows positive results or EVA > 0. From the results of this explanation it can be said that the measurement of financial performance is better using the EVA method.
PEMASARAN INTERNAL DAN KUALITAS PELAYANAN TERHADAP KEPUASAN MAHASISWA (Studi Kasus Mahasiswa STIE-SAK) Karim, Kurniati
Eko dan Bisnis: Riau Economic and Business Review Vol. 12 No. 4 (2021): Dinamika Kinerja, Pelatihan, dan Kepuasan Pelanggan di Era New Normal
Publisher : Sekolah Tinggi Ilmu Ekonomi Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36975/jeb.v12i4.352

Abstract

Internal marketing that properly done would have an impact on service quality, which furthercould increase customer satisfaction and customer loyalty. The aim of this research was to determine how much influence application internal marketing and service qualitywithcustomer satisfaction on STIE Sakti Alam Kerinci.This research used quantitative method since researcher wanted to determine the measurement of X and Y variable. Population in this study is 153 people. Sampling technique used is a probability sampling with using accidental sampling. Data analysis techniques in this study ismultiple regresion analysis and coefficient of determination analysis.Questionaires were used as a tool in data collection method. The findings show that all hypothesis were proved to be significant internal marketing and service qualitywith customer satisfaction on STIE Sakti Alam Kerinci. The implies that Y =  68,051  + 0,083 X1 + 0,062 X2. ttable is 2,006 with using (α = 5%).Internal marketing has t count3,717 and customer satisfaction  has t count 2,026. Ftable is 3,06and has t count 4,787.  Internal marketing and service qualityas  simultan  influence  positive and  significance  tocustomer satisfaction on STIE Sakti Alam Kerinci.
The Ability to Use Technology on ASN Performance Moderated By WFH During the Pandemic Nirta Vera Yustanti; Yesi Indian Ariska; Heru Kreshna Reza; Kurniati Karim; Melly Susanti
International Journal of Educational Research & Social Sciences Vol. 2 No. 6 (2021): December 2021
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijersc.v2i6.229

Abstract

COVID19 has changed many work arrangements and cultures such as Work From Home (WFH). The government enforces a policy for all State Civil Apparatus (ASN) to work from home. The purpose of this study was to determine the ability to understand and use technology during the pandemic which was moderated by WFH in increasing the performance of the ASN in Kepahiang Regency during the COVID 19 pandemic. This study used a quantitative descriptive analysis method with multiple regression methods, namely to provide an overview about the ability to understand and use technology on the performance of ASN which is moderated by work from home. The population in this study was 145 civil servants in the government of Kepahiang Regency. Samples were taken as many as 90 ASN who had filled out the questionnaire correctly and completely. The results showed that there was an increase in the value of R Square by 0.705 (0.714-0.009) or an increase in the effect before and after WFH by 70.5%. This means that the performance of ASN (Y) has increased after the government in Kepahiang Regency implemented the policy of the head ASNto work at home during the pandemic. Prior to the policy for the WFH by the government,the performance of ASN only 9%. With the moderating variable (Work From Home) can strengthen the influence of the variable Ability to understand and use (X1) on the performance of ASN (Y). So it can be concluded that the "Hypothesis is Accepted" so that it can be said that the existence of a moderating variable or Work From Home (WFH) can strengthen or increase the influence of the ASN Performance variable (Y) in the Kepahiang Regency Government.
Revisiting Tax Avoidance in Global Islamic Commercial Banks: The Critical Role of Profitability, Capital Structure, and Firm Size within a Sharia-Based Governance Framework Purnomo, Hadi; Albart, Nicko; Karim, Kurniati; Mulatsih, Listiana Sri; Alfiana
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.2981

Abstract

Tax avoidance remains a persistent concern in the global banking industry, including Islamic commercial banks, where financial decision-making is expected to align with Shariah-based governance principles. This study revisits the determinants of tax avoidance in Islamic commercial banks by critically examining the roles of profitability, capital structure, and firm size within a Shariah-compliant institutional context. Employing a quantitative research design, this study analyzes panel data from nine Islamic commercial banks that consistently published quarterly financial reports from 2018 to 2022. The empirical analysis is conducted using panel regression techniques in EViews 10, supported by classical assumption tests, model feasibility tests, and coefficient-of-determination analysis. The findings reveal that profitability and capital structure significantly Influence tax avoidance behavior in Islamic commercial banks, while firm size does not exhibit a statistically significant effect. These results suggest that internal financial performance and leverage decisions play a more decisive role than organizational scale in shaping tax-related behavior, even within Shariah-oriented institutions. The novelty of this study lies in its integration of conventional financial determinants with a Shariah-based governance perspective, offering critical insights into how Islamic banks navigate the tension between profit optimization and ethical tax compliance. The findings contribute to the global Islamic economics literature by providing policy-relevant implications for strengthening governance mechanisms and enhancing fiscal responsibility in Islamic financial institutions.
The Relationship Between Human Capital and Digital Literacy on Financial Inclusion Nur, Muh.; Karim, Kurniati; Alfiana, Alfiana; Windreis, Christ; Renggaala, Nuniek Yuniarti Ningsih
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 7 (2026): February 2026
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18642206

Abstract

Financial inclusion is a crucial element in promoting sustainable and equitable economic development. However, the level of financial inclusion still faces various challenges, particularly those related to the quality of human resources and the ability to adapt to digital technology developments. This study aims to analyze the relationship between human capital and digital literacy on financial inclusion. This study used a qualitative approach with a descriptive-exploratory design. Data were collected through in-depth interviews, observations, and documentation with productive-age individuals, micro and small business owners, and related parties involved in formal financial services. Data analysis was conducted using thematic analysis to identify patterns and meanings emerging from the experiences and perceptions of informants. The results show that human capital plays a significant role in shaping individuals' understanding, attitudes, and trust in formal financial services. Education level, skills, and experience contribute to an individual's ability to access and utilize financial services. Furthermore, digital literacy has proven to be a crucial factor in supporting the utilization of technology-based financial services, particularly in increasing access, security, and intensity of use of digital financial services. This study also found that human capital and digital literacy have a mutually reinforcing relationship in promoting financial inclusion. Individuals with high levels of human capital and digital literacy demonstrate higher and more sustainable levels of financial participation. These findings emphasize that increasing financial inclusion must be accompanied by strengthening the quality of human resources and digital literacy within the community.
Co-Authors Adji Purnama Aftanorhan, Asyraf Ahmad Hosen Ahmad Hosen, Ahmad Akhir Lusono Albart, Nicko Alfiana Alfiana Alfiana Ali Ramatni Dedi Iskamto Dennis Rydarto Tambunan Dennis Rydarto Tambunan Dennis Rydarto Tambunan Dorris Yadewani Emmy Hamidah Firdaus Firdaus Hadi Purnomo Hamsiah Hamsiah Husaini⁴, Husaini⁴ Idum Satia Santi Indriani, Rini Iswidana Utama Putra Jange, Beno jenita jenita, jenita Kamaludin Kamaludin Karsim, Karsim LISTIANA SRI MULATSIH M. Rusdi M. Yusuf Bahtiar, M. Yusuf Masrida Zasriati Meike Negawati Kesek Melly Susanti Melly Susanti Melly Susanti Mira Hastin Nabila, Syadza Muthi Nirta Vera Yustanti Nur Arifin Nur, Muh. Renggaala, Nuniek Yuniarti Ningsih Reni Wijaya, Reni Reza, Heru Kreshna Rukhmana, Trisna Sawlani, Dhiraj Kelly Septiyani, Rini Dwi Sylvia Kartika Dhamayanti Walenta, Abdi Sakti Windreis, Christ Yesi Indian Ariska