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All Journal J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Martabe : Jurnal Pengabdian Kepada Masyarakat Ihtiyath : Jurnal Manajemen Keuangan Syariah Jurnal Investasi Islam Muslim Business and Economic Review JCAIP: Journal of Contemporary Applied Islamic Philanthropy ASNAF Jurnal Ilmiah Mahasiswa An-Nisbah: Jurnal Ekonomi Syariah Seuraya Jurnal Pengabdian Kepada Masyarakat
Kamal, Safwan
IAIN Langsa
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Strategi Pengembangan Usaha Jahit di Gampong Meutia Kota Langsa Ditinjau Menurut Ekonomi Islam Fazilla, Fitri; Kamal, Safwan; Safarida, Nanda
JIM: Jurnal Ilmiah Mahasiswa Vol 6, No 1 (2024): April 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v6i1.6898

Abstract

This research was conducted with the aim of determining the strategy of sewing business development in Gampong Meutia Langsa City using qualitative methods. The research location in this study is on sewing entrepreneurs in Gampong Meutia, Langsa City. The subjects studied were 6 sewing entrepreneurs and village equipment in Gampong Meutia. Data collection techniques are carried out by observation, interviews and documentation. The technical data analysis used is descriptive analysis by going through the data collection stage through the data reduction stage, presenting data and drawing conclusions. The results of this study show that the sewing business in Gampong Meutia Langsa City is run by the business owner himself, where the business owner is fully responsible for management. The management of the sewing business in Gampong Meutia is quite good and the development of the sewing business in Gampong Meutia has developed quite well compared to neighboring villages, although there are still obstacles in several fields. The obstacles faced by sewing entrepreneurs in Gampong Meutia Langsa City are obstacles in capital, namely the difficulty of obtaining additional capital, obstacles in labor, namely the owner difficulty in obtaining labor, lack in the number of workers and lack of discipline of employees and obstacles in the use of machines. The business development strategy is to ask for additional capital and the government seeks this assistance and facilitates the community so that they succeed in getting the assistance through MSME assistance by making proposals, where the proposals are made as well and attractive as possible. And promote their efforts using social media. However, in terms of getting additional capital, these entrepreneurs still use conventional banks that apply credit interest rates. While the kerdit flower in Islam is included in riba which is prohibited by the Shari'a.
Pengaruh kebijakan hutang dan kebijakan dividen terhadap nilai perusahaan yang tercatat pada Indeks LQ 45 Bursa Efek Indonesia Periode 2015-2019 Chan, Beby Fadillah; Maulana, Zefri; Kamal, Safwan
Jurnal Investasi Islam Vol 7 No 1 (2022): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v7i1.4387

Abstract

This study aims to determine the effect of debt policy (DER) and dividend policy (DPR) partially and simultaneously on firm value (PBV) listed on the LQ 45 index of the Indonesian stock exchange for the 2015-2019 period. The data used is secondary data, based on financial statements on the Indonesian stock exchange. The data analysis in this study is multiple regression analysis, using normality test, multicollinearity, heteroscedasticity test, t test, f test, and coefficient of determination test through SPSS. The results of this study indicate that partially debt policy has no effect on firm value with a t value of -0.389 with a significance of 0.698 > 0.5 (0.000 < 0.05), dividend policy proxied by the DPR has a positive and significant effect on firm value. proxied by PBV with a t-count value of 3.343 and a significance <0.05. Meanwhile, simultaneous hypothesis testing has a positive and significant effect on firm value, this is indicated by the calculated F value of 5.825 and a significance value of 0.04 which is <0.05. The value of R2 in this study is 0.070, this indicates that the firm value is influenced by debt policy and dividend policy by 7% while the remaining 93% is influenced by variables outside this study.
Pengaruh Penanaman Modal Dalam Negeri, Penanaman Modal Asing dan Utang Luar Negeri Terhadap Pertumbuhan Ekonomi Indonesia Sari, Indah Puspita; Kamal, Safwan; Amin, Muhammad; Astina, Chahayu
ASNAF : Journal of Economic Welfare, Philantrophy, Zakat and Waqf Vol 3 No 2 (2024): Vol 3, No 2 (2024)
Publisher : Prodi Manajemen Zakat dan Wakaf, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/asnaf.v3i2.8949

Abstract

Purpose – This research aims to determine and analyze the influence of domestic investment, foreign investment and foreign debt on Indonesia's economic growth. The data used is secondary data obtained from BPS in the form of PMDN, PMA, Foreign Debt and Indonesian GDP data for 2011-2022. Method – The research method used is a qualitative approach with data analysis method uses multiple linear regression analysis. Results – From the results of data analysis, it is known that PMDN has a positive effect of 0.133 on Indonesia's economic growth as evidenced by the sig value. 0.022 < 0.05. This shows that the higher the PMDN and its targeted use, especially in the productive sector, the more Indonesia's economic growth will increase. PMA has a positive effect of 0.265 on Indonesia's economic growth as evidenced by the sig value. 0.012 < 0.05. This shows that the higher the FDI and its targeted use, especially in the productive sector, the more Indonesia's economic growth will increase. Foreign debt has a positive effect of 0.048 on Indonesia's economic growth as evidenced by the sig value. 0.028 < 0.05. In this case, foreign debt is used to finance development in Indonesia, especially strategic projects in Indonesia in the fields of industry, transportation and other strategic projects. PMDN, PMA and foreign debt simultaneously have a positive and significant effect on Indonesia's economic growth as evidenced by the sig value. 0.015 < 0.05. This shows that the higher the PMDN and PMA and their use is right on target, especially in the productive sector, the more Indonesia's economic growth will increase. On the other hand, foreign debt is used to finance development in Indonesia, especially strategic projects in Indonesia in the fields of industry, transportation and other strategic projects.
PENGARUH LINGKUNGAN KERJA, PENGHARGAAN (REWARD) DAN PUNISHMENT TERHADAP KINERJA KARYAWAN (Studi Kasus Pada Pt. Socfhindo Divisi IV Afdheling Seleleh) kamal, safwan
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 4 No 2 (2020) : Vo.4 No.2 Desember 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v4i2.2051

Abstract

Lingkungan kerja, penghargaan (reward) dan punishment merupakan faktor yang penting untuk menunjang kinerja sekaligus memberi dorongan bagi karyawan untuk meningkatkan semangat dalam bekerja. Penelitian ini bertujuan untuk mengetahui pengaruh lingkungan kerja, penghargaan (reward) dan punishment terhadap kinerja karyawan. Penelitian ini menggunakan penarikan sampel probability sampling dan menentukan jumlah sampel dari suatu populasi menggunakan simple random sampling dimana setiap anggota populasi mempunyai peluang yang sama untuk dipilih menjadi anggota sampel berdasarkan kriteria tertentu sesuai dengan kriteria yang dilakukan peneliti. Sampel yang ditentukan yaitu 63 responden. Hasil penelitian ini menunjukkan bahwa terdapat pengaruh lingkungan kerja yang positif dan signifikan terhadap kinerja karyawan dilihat dari nilai (t hitung) 2,696 > 2,00100 (t tabel) dengan tingkat sig. 0.003 < 0,05. Variabel penghargaan (reward) berpengaruh positif dan signifikan terhadap kinerja karyawan yang dilihat dari nilai (t hitung) 3,257 > 2,00100 (t tabel) dengan tingkat sig. 0.002 < 0.05. Variabel punishment berpengaruh positif dan signifikan terhadap kinerja karyawan yang dilihat dari nilai (t hitung) 3,638 > 2,00100 (t tabel) dengan tingkat sig. 0.004 < 0.05. terdapat pengaruh secara simultan antara lingkungan kerja, penghargaan (reward) dan punishment hal ini dilihat dari F hitung (5,122) lebih besar dari F tabel (2,76) dengan tingkat signifikan 0.003 < 0,05.
MERINTIS DIGITALISASI WAKAF BERBASIS WEBSITE MELALUI PEMBERDAYAAN BERBASIS ASSET BASED COMMUNITY DEVELOPMENT (ABCD) PADA LEMBAGA KANTONG WAKAF DALAM MEMBANGUN KESEJAHTERAAN MASYARAKAT Kamal, Safwan; Dwina Puspita Sari, Juli; Nurjanah, Nurjanah; Muttaqin, Zainal
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 6, No 2 (2023): martabe : jurnal pengabdian kepada masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v6i2.729-743

Abstract

Kegiatan PKM ini dilakukan untuk mengetahui bagaimana proses meneroka (perintisan) digitalisasi wakaf berbasis website melalui pemberdayaan berbasis Asset Based Community Development (ABCD) Pada Lembaga Kantong Wakaf dalam membangun kesejahteraan masyarakat dalam pemulihan ekonomi pasca covid 19. Metode kegiatan ini adalah ABCD yang difokuskan pada penguatan modal teknologi (technological capital) dan pengembangan asset manusia (human capital). PKM ini menemukan adanya 7 (tujuh) modal Assets Based Community Development (ABCD). Pertama, dari sisi physical capital ditemukan bahwa adanya sebidang tanah yang akan dijadikan lahan untuk pembangunan graha wakaf produktif dan memiliki design gambar pembangunan. Kedua;  dari sisi finansial capital lembaga memiliki sejumlah dana operasional dan sejumlah transaksi dana wakaf. Ketiga; pada sisi environmental capital, Aceh memiliki lahan luas untuk pengembangan wakaf. Keempat; dari sisi social capital keberadaan lembaga tercatat memperoleh dukungan dari masyarakat, pemerintah, wakif, tokoh ulama, penyuluh agama dan para akademisi IAIN Langsa. Kelima; dari sisi spiritual capital ditemukan bahwa masyarakat kota Langsa merupakan masyarakat yang menerapkan syariat Islam dalam tatanan kehidupan. Keenam; dari sisi human capital ditemukan pengurus Kantong Wakaf telah diisi oleh mahasiswa prodi manajemen zakat dan Wakaf IAIN Langsa. Ketujuh; dari sisi technological capital pengabdian ini melahirkan sebuah sarana digitalisasi wakaf dalam bentuk website dengan link www.kantongwakaf.or.id
What Drives Consumers to Use Syariah M-Banking to Purchase E-Money? Integration of UTAUT 2 and Mobile Service Quality Septiani, Alfian Nisa; Berakon, Izra; Pertiwi, Ruspita Rani; Pradana, Mahatva Yoga Adi; Kamal, Safwan
Muslim Business and Economics Review Vol. 1 No. 2 (2022)
Publisher : Universitas Islam Internasional Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56529/mber.v1i2.68

Abstract

This study investigates what factors persuade consumers to purchase e-money via syariah m-banking applications. Researchers extended the Unified Theory of Acceptance and Use of Technology (UTAUT 2) to find new information as well as to accommodate the limitations and discussions of previous studies. A purposive sampling technique was adapted to select respondent criteria. The collected data from 120 respondents were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM), supported by WarpPLS 8.0, through three main stages of analysis: measurement model, structural model, and hypothesis testing. Additional analysis was undertaken to produce robust findings by explaining multicollinearity, common method bias, and multigroup analysis by categorizing two groups of respondents (male and female). Researchers found that only social influence and hedonic motivation have a significant effect on trust from the UTAUT 2 model. On the other hand, two exogenous constructs in the mobile service quality model proved to have a significant effect on trust, security (privacy), and practicality. Furthermore, the research showed that trust is a fundamental factor in influencing continuance intention because it produces the largest effect size (f-square) and significant path coefficient value. The findings should encourage all Islamic banking stakeholders and practitioners to increase individual trust by creating educational and innovative programs connected with consuming digital banking services, especially e-money purchases.
Sustainable Livelihoods through Natural and Environmental Resource Empowerment: A Case Study of Afdeling II Bukit Village, Birem Bayeun, East Aceh, Indonesia Muhammad, Alfian; Amin, Muhammad; Kamal, Safwan; Mustafa, Fakhrizal; Kurlillah, Anis; Safarida, Nanda; Midesia, Shelly; Maulana, Iksal; Al Qadri, Danang; Mahirah, Fathia; Zulkarnaini, Fadilla; Suciarni, Nur; Yahya, Faisal
SEURAYA Jurnal Pengabdian Kepada Masyarakat Vol 3 No 2 (2025): 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 | DOI: 10.32505/seuraya.v3i2.13027

Abstract

This community service program was conducted in Afdeling II Bukit Village, Birem Bayeun District, East Aceh Regency, aiming to empower the community through the Asset-Based Community Development (ABCD) approach. The main issue identified was the underutilization of natural and environmental resources as productive economic assets. The activities were carried out through several stages, including local asset mapping, training on processing palm fronds into value-added products, training on utilizing family medicinal plants into herbal drinks, Focus Group Discussions (FGDs), and continuous mentoring. The implementation emphasized community participation, collaboration with village authorities, and the application of simple digital technologies to enhance product marketing. The results showed an increase in community skills in managing local resources, the formation of asset-based business groups, and greater awareness of economic independence based on local potential. In conclusion, the ABCD approach proved effective in fostering rural economic self-reliance through the strengthening of local assets and continuous mentoring integrated with digital innovation.
Analisis Kepatuhan Membayar Zakat pada Pedagang di Kota Langsa Nabila, Fitri; Safarida, Nanda; Kamal, Safwan; Midesia, Shelly; Budiman, Iskandar
Jurnal Investasi Islam Vol. 10 No. 1 (2025): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/8jzc5g91

Abstract

Penelitian ini bertujuan menganalisis tingkat kepatuhan pedagang dalam membayar zakat perdagangan di Kota Langsa serta mengidentifikasi faktor-faktor yang memengaruhi kepatuhan tersebut, khususnya dari aspek pemahaman zakat, kendala pelaksanaan, dan tingkat kepercayaan terhadap Baitul Mal sebagai lembaga pengelola zakat. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan menghimpun data primer melalui wawancara mendalam kepada 6 (enam) informan yang terdiri atas 4 (empat) pedagang dan 2 (dua) petugas Baitul Mal Kota Langsa. Teknik analisis data dilakukan melalui tahapan reduksi data, penyajian data, dan penarikan kesimpulan secara tematik untuk mengidentifikasi pola kepatuhan dan faktor yang memengaruhinya. Hasil penelitian menunjukkan bahwa kepatuhan pedagang dalam membayar zakat perdagangan masih belum optimal secara normatif. Pertama, dari aspek pemahaman, sebagian besar pedagang belum memahami secara teknis ketentuan nisab, haul, dan mekanisme perhitungan zakat usaha. Kedua, dari aspek pelaksanaan, mayoritas pedagang cenderung menyalurkan zakat secara langsung kepada mustahik dibanding melalui Baitul Mal, sehingga kepatuhan lebih bersifat sosial-karitatif daripada institusional. Ketiga, dari aspek kepercayaan, meskipun citra Baitul Mal dinilai cukup positif, transparansi informasi dan sosialisasi dinilai masih perlu ditingkatkan untuk memperkuat partisipasi pedagang. Penelitian ini memiliki keterbatasan pada jumlah informan yang relatif terbatas dan berfokus pada pedagang aktif, sehingga belum mencakup perspektif pedagang yang sama sekali tidak menunaikan zakat. Hasil penelitian ini dapat menjadi rujukan bagi Baitul Mal dan pemerintah daerah dalam merumuskan strategi peningkatan literasi zakat, penguatan transparansi dan akuntabilitas, serta inovasi layanan pembayaran zakat berbasis digital guna mendorong kepatuhan pedagang secara berkelanjutan.
Co-Authors Agustinar, Agustinar Al Qadri, Danang Anis Kurlillah Astina, Chahayu Bayduri, Intan Berakon, Izra Budiman, Iskandar Chan, Beby Fadillah Dwina Puspita Sari, Juli Faisal Yahya Fakhrizal Fakhrizal, Fakhrizal Fazilla, Fitri Indah Puspita Sari, Indah Puspita Kumalahayati, Nur Mahirah, Fathia Maulana, Iksal Midesia, Shelly Muhammad Amin Muhammad, Alfian Mustafa, Fakhrizal N. Nurjanah Nabila, Fitri Naibaho, Anggi Rezzita Pertiwi, Ruspita Rani Pradana, Mahatva Yoga Adi Safarida, Nanda Safwandi Safwandi, Safwandi Septiani, Alfian Nisa Suciarni, Nur Zainal Muttaqin Zefri Maulana, Zefri Zuliani, Rafiza Zulkarnaini, Fadilla