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M Aqil Fahmi Sanjani
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journalbamj@gmail.com
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+6282244230119
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INDONESIA
Business and Applied Management Journal
Published by Al-Qalam Institute
ISSN : 30249201     EISSN : 30248094     DOI : https://doi.org/10.61987/bamj
Core Subject : Economy, Humanities, Education, Social,
Humanities Economics, Econometrics & Finance Education Environmental Science Social Sciences
Business and Applied Management Journal is Peer-reviewed refereed journal aiming at engaging academicians as well as practitioners. Focus on the areas of economics, finance, banking, capital markets, takaful and law. The aim of the Journal is to foster academic research by publishing original research articles that meet the highest analytical standards, and provide new insights that contribute and spread the business and Social Science knowledge.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 20 Documents
 1   2 
Human Capital Optimization: The Key to Improving Welfare in Rural Communities Prakoso, Ardika Nanda
Business and Applied Management Journal Vol. 1 No. 1 (2023): July-December
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v1i1.277

Abstract

The focus of this study is to explore the impact of access to information and communication, health facilities, and village fund allocation on the education level of the community in Banyuwangi Regency using a panel data regression approach. The research method used was regression panel data with three different approaches, namely Fixed Effect Model (FEM), Random Effect Model (REM), and Common Effect Model (CEM), using data from 25 sub-districts in Banyuwangi Regency during the 2016-2020 time frame. The results showed that the variables X1 (Access to Information and Communication) and X2 (Health Facilities) had a significant influence on the dependent variable at a significance level of 0.05, while the variable X3 (Village Fund) was not significant. The Fixed Effect Model (FEM) method produces different coefficients and probabilities than the Common Effect Model (CEM) and Random Effect Model (REM) methods, with the FEM model showing a significant influence of the variables X1 and X2, while the CEM and REM models showing similar results for variables X1 and X2. The implications of this study emphasize the importance of policies that support access to information and health facilities to improve the welfare of the community in Banyuwangi Regency.
Optimizing Regional Budget Management through Financial Ratio Analysis Anggraini, Deasy Eviya; Prayoga, Bintang Eko Dwi
Business and Applied Management Journal Vol. 1 No. 2 (2024): January-June
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v1i2.278

Abstract

This study aims to analyze regional financial performance and regional financial capacity of the City Government. The data analysis in this study is descriptive quantitative by calculating the financial ratios of the Regional Revenue and Expenditure Budget (APBD). These data were obtained through the Notes to the Financial Statements (CaLK) for 2017-2021. The results of this study indicate that the regional financial performance of Surakarta City in 2017-2021 shows the ratio of independence included in the delegative relationship pattern with the highest ratio of independence in 2021 of 102.82%. The rise and fall of the independence ratio is also accompanied by the rise and fall of the dependency ratio in the medium to low category and the ratio of the degree of fiscal decentralization in good condition. The ratio of effectiveness and efficiency ownsource revenue receipts has also fluctuated, but the level of effectiveness has been adjusted effectively to very effective and the efficiency is still focused on being very good or efficient. Regional Government spending is still prioritized for direct spending with a ratio of direct and indirect expenditure of 35.61% to 64.39%. Furthermore, the position of locking the regional financial capacity is in quadrant II, namely low share and high growth with an average share of 45.93% and an average growth of 106.62%. While the results of the calculation of the City Financial Capability Index for Fiscal Years 2017 to 2021, the index scale shows the number 0.938, This means that the Financial Capability is high. The implication of this study is that the City Government has shown good financial performance during the period under investigation, with the independence ratio increasing over time.
Building Sustainable Nonprofit Organizations Through Effective Financial Management Khomairotusshiyama, Unzilah; Khoiriyah, Khoiriyah; Lateh, Musammil
Business and Applied Management Journal Vol. 1 No. 1 (2023): July-December
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v1i1.279

Abstract

This research aims to analyze financial management practices in building the sustainability of nonprofit organizations. This research is based on financial management strategies that are applied to maintain operational stability, program sustainability and increase stakeholder trust. The research method used is a descriptive qualitative approach with data collection techniques through in-depth interviews, direct observation, and analysis of financial documents over the past three years. The results show that effective financial management includes transparency in reporting, participation in budget planning, consistent internal oversight, and diversification of funding sources, such as collaboration with external partners and optimization of institutional assets. The study results show that the organization’s sustainability is greatly influenced by the management’s commitment to carrying out the principles of accountability and efficiency in using funds. The implications of this study show that a strong financial management capacity is an important foundation for the sustainability of nonprofit organizations. These findings are expected to serve as a practical reference for similar institutions in designing financial systems that are adaptive, professional, and impact-oriented to long-term impact.
Digital Age Education Management Strategies in Facing Global Changes in Islamic Education Wadi, Muhamad Hamsan; Malli, Rusli; Asykur, Muammar
Business and Applied Management Journal Vol. 1 No. 1 (2023): July-December
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v1i1.355

Abstract

This study aims to explore the impact of the use of digital technology on improving the quality of learning in Islamic-based junior high schools, as well as analyze the role of teacher competency development in facing global changes. This research is based on the rapid development of digital technology that has changed the way of learning and communication in the world of education, especially in the Islamic education environment. The method used in this study is a qualitative approach with data collection techniques through interviews, observations, and documentation in the field. The findings were analyzed based on the Miles and Huberman model. The results show that the application of digital platforms such as e-learning and social media has increased learning flexibility, expanded educational reach, and strengthened data-based evaluation systems. In addition, teacher training to improve digital literacy has proven to be important in ensuring effective technology adaptation. The findings are expected to contribute by providing new insights into the importance of digitalization in Islamic education management, as well as underlining the role of teacher training in supporting learning effectiveness in the digital era.
The Role of Financial Audits in Strengthening Accountability and Transparency in Funding Management Holili, M; Khoiroh, Wus’atul
Business and Applied Management Journal Vol. 1 No. 1 (2023): July-December
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v1i1.366

Abstract

This study aims to analyze a review of the role of financial audit in enforcing financing accountability in schools at the madrasah aliyah level. This research is based on the use of audits as an alternative form for budget fund transparency. This study uses a qualitative approach of descriptive type and data collection analysis techniques with interviews. The results of the study show that the importance of financial audits in enforcing financial accountability in educational institutions and the role of internal and external auditors as an integral part of the internal control system of educational institutions, then explain the challenges in the implementation of audits in educational institutions including limited resources, regulatory complexity, resistance to change, and lack of understanding of the importance of financial audits. The implications of the results of the study examine the importance of implementing good financial audit practices and increasing awareness of the importance of transparency and accountability in financial management in educational institutions and strengthening communication and cooperation between internal auditors, external auditors, and school management. The results of this study are expected to provide.
Assessing Risk Management Implementation in Islamic Gold Financing: The Case of Gadai Emas Syariah Habibulloh; Eka Hanum Maulida
Business and Applied Management Journal Vol. 1 No. 2 (2024): January-June
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v1i2.368

Abstract

This study aims to analyze and review the procedures of sharia gold pawn, the risks that affect sharia gold pawn products, and the implementation of risk management on these products at Baitul Maal Wa Tamwil (BMT). This study is based on the importance of understanding how sharia gold pawn operates and managing the risks that arise, especially in the context of BMT which has an important role in supporting the sharia economy. This study uses a qualitative approach with a case study research type. Data were collected through observation, interviews, and documentation, with the main informants being the Head of BMT and employees (tellers) at BMT. Source triangulation techniques were used to ensure the validity of the data. The results of the study indicate that the sharia gold pawn procedure at BMT involves submitting identity, bringing collateral, filling out a pawn form, assessing collateral, and disbursing loans. There are three main risks that affect sharia gold pawn, namely operational risk, credit risk, and market risk. The implementation of risk management in sharia gold pawn in BMT is quite good, with stages including risk identification, risk measurement, risk monitoring, and risk control. These stages are carried out as a form of BMT's caution in maintaining the sustainability of sharia gold pawn products. This study contributes to providing a deeper understanding of the risk management process in sharia financing, especially in the gold pawn sector.
Producing IT Professionals with Character: The Role of Islamic Values in Applied Education Kirom, Narjul
Business and Applied Management Journal Vol. 1 No. 2 (2024): January-June
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v1i2.387

Abstract

The purpose of this study is to explore the integration of Islamic personality values in the learning of the Applied Education Program in the Field of Information and Communication Technology (Prodistik) at madrasah aliyah. The background of this research is driven by the need to understand how Islamic values are integrated in the context of applied education in information and communication technology, as well as their impact on the formation of student character. The research method used is field research with a qualitative approach through case studies. Primary data was collected through interviews with managers, instructors, students, and alumni, while secondary data was obtained from relevant literature and documentation studies. The results of the study show that the application of personality values in Islam, such as honesty, discipline, and responsibility, contributes significantly to the formation of students' character. The integration of Islamic values in learning not only improves students' technical competence but also forms an Islamic professional attitude. The application of the principle of trust in information security increases students' awareness of the importance of maintaining confidentiality and data privacy. The implication of this research is the importance of a holistic approach in education that combines technical aspects and spiritual values to form individuals with integrity and character in the face of the complexities of the modern world.
Impact of Leadership Styles on Employee Performance in Micro-Finance Banking Sector: Evidence from Pakistan Zulqarnain, Muhammad; Ali, Zulqarnain
Business and Applied Management Journal Vol. 1 No. 1 (2023): July-December
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v1i1.413

Abstract

This study uses an empirical approach to examine the relationship between different Leadership styles and employee Performance in the microfinance banking sector. Here, we look at how seven distinct leadership styles (autocratic, democratic, laissez-faire, transformational, transactional, charismatic, servant, and situational leadership) affect employee performance in the workplace. With this information, executives can make better decisions that will help their organizations advance. The study is cross-sectional, meaning that data was collected at a particular, predefined point in time. Eleven microfinance institutions are spread out over Pakistan; from those, 192 participants are selected randomly to participate in the study. Data is collected through a self-administered questionnaire. Data are subjected to correlation and regression analysis and other descriptive and inferential statistical tests using IBM SPSS and Smart PLS 4. According to the results, CEOs in the microfinance banking sector would do well to embrace a situational leadership style like charismatic, democratic, servant, or transformational leadership. Employee leadership, Performance, workplace satisfaction, and organizational loyalty all improve when managers adopt these practices. However, research finds no correlation between autocratic, laissez-faire, or transactional leadership and employee performance, suggesting that these styles may be less successful at motivating employees. However, all other leadership styles benefit every organization in improving employee performance, especially in the banking sector.
Interpersonal Communication of Madrasah Heads in Increasing Teacher Work Motivation Ilmi, Khasanah
Business and Applied Management Journal Vol. 1 No. 2 (2024): January-June
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v1i2.480

Abstract

The purpose of this study was to determine the role of interpersonal communication of the principal in improving teacher work motivation in madrasahs. This study is based on the importance of interpersonal communication of the principal in motivating teachers. The type of research in this study is descriptive qualitative research. The informants of this study are key informants and supporting informants. Data collection techniques use observation, interview and documentation techniques. Data analysis techniques use data reduction, data presentation and data verification. The findings of the study indicate that the participatory leadership style of the madrasah principal significantly increases teacher motivation and involvement in the learning process. The application of effective interpersonal communication strategies, including openness, empathy, and support, contributes to the creation of mutual trust and a harmonious work environment. Although there are inhibiting factors such as lack of resources and administrative support, the existence of supporting factors such as clear communication and a positive school culture increases teacher work motivation. This study is expected to contribute to the understanding of the factors that influence teacher motivation and performance in educational institutions through leadership.
Exploring Complementary Leadership Styles in Madrasahs by Aiming at Their Impact on Integrity and Character Development Ataman, Abdullah; Baharun, Hasan; Sanjani, M Aqil Fahmi; Safitri, Sevia Diana
Business and Applied Management Journal Vol. 1 No. 2 (2024): January-June
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v1i2.487

Abstract

This study aims to explore the role of madrasah principal leadership in shaping students' character through an approach based on Islamic values. This study is based on the importance of character development in the madrasah educational environment that not only emphasizes academic achievement, but also the formation of students' morals according to Islamic teachings. This study was conducted using a qualitative method through semi-structured interviews and observations of two madrasah principals under the auspices of the Pondok Pesantren Education and Social Foundation. The results of the study indicate that the principal applies an exemplary and disciplined approach to build a madrasah culture that values integrity, while the principal of Madrasah Diniyah uses a humanist approach by establishing close personal relationships with students. The contribution of these findings shows that different but complementary leadership strategies can create a conducive learning environment for student character development, and emphasizes the importance of integrity and empathy in building trust between leaders, staff, and students in madrasahs. This study is expected to provide practical insights for madrasah managers in optimizing a leadership approach that is in accordance with the context of education based on Islamic values.

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