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All Journal MODELING: Jurnal Program Studi PGMI Amorti: Jurnal Studi Islam Interdisipliner Jurnal Pengabdian Masyarakat dan Riset Pendidikan Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial
Alisyah Pitri
Institut Islam Al Mujaddid Sabak
Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Peningkatan Literasi Digital Masyarakat di Era Transformasi Teknologi: Penelitian Rince Tambunan; Alisyah Pitri; Andalia; Muhammad Maulana; Nilfatri
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.5233

Abstract

Penelitian ini bertujuan untuk memperkuat pengetahuan, keterampilan, dan sikap masyarakat dalam memanfaatkan teknologi secara kritis, aman, dan produktif. Pelaksanaan kegiatan dilakukan melalui beberapa tahapan, meliputi tahap persiapan dan analisis kebutuhan, penyusunan materi dan modul pelatihan, pelaksanaan sosialisasi dan rekrutmen peserta, pelaksanaan pelatihan, pendampingan, monitoring, evaluasi, serta tindak lanjut dan keberlanjutan program. Hasil kegiatan menunjukkan bahwa program peningkatan literasi digital memberikan dampak positif dan signifikan terhadap peningkatan kapasitas masyarakat dalam menghadapi perkembangan teknologi yang pesat. Masyarakat tidak hanya mengalami peningkatan pengetahuan, tetapi juga perubahan sikap dan perilaku dalam memanfaatkan teknologi secara lebih kritis, aman, dan produktif. Kemampuan memilah informasi dan menangkal disinformasi meningkat melalui penerapan verifikasi sederhana dan kesadaran terhadap pengaruh algoritma media sosial. Dari sisi keterampilan, masyarakat lebih mampu mengelola penggunaan perangkat, keamanan, dan privasi data, serta mulai memanfaatkan teknologi untuk kegiatan ekonomi dan sosial. Program ini juga menumbuhkan sikap adaptif dan motivasi belajar sepanjang hayat serta membentuk jejaring komunitas literasi digital yang mendukung keberlanjutan dampak program. Secara keseluruhan, kegiatan ini berkontribusi positif dalam meningkatkan kapasitas individu dan ketahanan komunitas dalam menghadapi tantangan era digital.
Konstruksi Hukum Islam terhadap Tradisi Menanam Barang: Studi Akulturasi Islam dan Budaya : Penelitian Dinda Mayang Apriliani; Nilfatri; Zeni Sunarti; Alisyah Pitri; Sri Kadarsih
Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial Vol. 4 No. 1 (2026): Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial Volume 4 Nomor 1 February - May 2
Publisher : PT PUSTAKA CENDEKIA GROUP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70292/pchukumsosial.v4i1.407

Abstract

Penelitian ini dilatarbelakangi oleh praktik jual beli ban bekas di Kelurahan Rano yang masih dilakukan secara langsung melalui pemeriksaan fisik, tawar-menawar, dan kesepakatan antara penjual dan pembeli. Permasalahan utama dalam transaksi ini adalah belum optimalnya keterbukaan informasi mengenai kondisi ban, seperti tingkat keausan, bekas tambalan, retakan, vulkanisir, tahun produksi, dan riwayat pemakaian ban. Penelitian ini bertujuan untuk mengetahui praktik jual beli ban bekas di Kelurahan Rano serta menganalisisnya berdasarkan prinsip hukum ekonomi syariah. Penelitian ini menggunakan pendekatan kualitatif dengan jenis penelitian yuridis empiris. Teknik pengumpulan data dilakukan melalui observasi, wawancara, dan dokumentasi terhadap pedagang ban bekas, pembeli, tokoh agama, serta pihak terkait. Data dianalisis melalui tahapan reduksi data, penyajian data, dan penarikan kesimpulan, sedangkan keabsahan data diperiksa melalui triangulasi sumber dan teknik. Hasil penelitian menunjukkan bahwa praktik jual beli ban bekas di Kelurahan Rano pada umumnya telah memenuhi unsur dasar jual beli, yaitu adanya penjual, pembeli, barang, harga, dan kesepakatan. Namun, dari perspektif hukum ekonomi syariah, transaksi tersebut masih memiliki potensi gharar dan tadlis apabila kondisi ban tidak dijelaskan secara jujur dan rinci kepada pembeli. Kesimpulan penelitian ini menunjukkan bahwa jual beli ban bekas dapat dibenarkan dalam hukum ekonomi syariah selama dilakukan secara suka sama suka, objek barang jelas, harga disepakati, serta penjual menyampaikan kondisi dan kekurangan barang secara transparan.
The Role of Marketing Mix Strategies in Enhancing Financial Literacy Among Madrasah Ibtidaiyah Teachers Putriani; Alisyah Pitri; Hasna Dewi
MODELING: Jurnal Program Studi PGMI Vol. 13 No. 3 (2026): September
Publisher : Program Studi PGMI Sekolah Tinggi Ilmu Tarbiyah Nahdlatul Ulama Al Hikmah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69896/modeling.v13i3.3208

Abstract

Financial literacy is an important competence for teachers because it supports responsible financial decision-making and strengthens their capacity to introduce financial concepts in educational settings. This study aims to examine the role of marketing mix strategies in enhancing financial literacy among Madrasah Ibtidaiyah teachers through a literature-based perspective. The study employed a qualitative library research approach by analyzing relevant scholarly literature concerning marketing mix strategies, financial literacy, teacher competence, financial education, and elementary Islamic education. Data were obtained from peer-reviewed journal articles, academic books, and relevant institutional publications and were analyzed through qualitative content analysis involving identification, classification, comparison, interpretation, and synthesis of relevant findings. The literature indicates that the seven dimensions of the marketing mix, namely product, price, place, promotion, people, process, and physical evidence, provide various channels through which teachers may encounter information about financial products and services. However, exposure to marketing information does not automatically enhance financial literacy because its contribution depends on individuals’ ability to understand, evaluate, and apply financial information appropriately. Financial literacy among teachers encompasses financial knowledge, financial attitude, and financial behaviour, which collectively support informed financial decision-making. The study highlights that transparent product information, understandable pricing, accessible service channels, responsible promotion, competent service personnel, clear processes, and informative physical or digital evidence may contribute to a supportive financial information environment. These findings provide a conceptual basis for strengthening financial literacy among Madrasah Ibtidaiyah teachers and integrating financial literacy into elementary Islamic education.
Justice and Transparency in Credit Sales of Household Furniture: Islamic Economic Law Perspective Lisna Wati; Nilfatri; Reza Okva Marwendi; Alisyah Pitri; M Habibie; Desi Rahma Nuri
Amorti: Jurnal Studi Islam Interdisipliner Vol. 5 No. 4 Oktober 2026: Amorti: Jurnal Studi Islam Interdisipliner
Publisher : Yayasan Azhar Amanaa Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59944/amorti.v5i4.1572

Abstract

Credit-based sales of household furniture have become an important form of retail transaction because installment arrangements enable consumers to obtain relatively high-value household goods without making full cash payments. From the perspective of Islamic economic law, however, the permissibility of credit sales depends not merely on deferred payment but also on contractual certainty, price transparency, mutual consent (tarāḍin), justice (‘adl), and the absence of ribā, gharar, and unjustified harm. This study aims to examine the implementation of credit-based household furniture sales at Jaya Makmur Store, Talang Babat Village, and to analyze its conformity with the principles of Islamic economic law, particularly contractual justice and transparency. The study employed a qualitative descriptive approach within an empirical legal research design. Primary data were obtained through semi-structured interviews, direct observation, and documentation involving the store owner, employee, consumer, religious scholar, and community representative. These practices reflect tarāḍin, contractual certainty, and transparency and provide economic convenience for consumers. Nevertheless, the study identifies a critical Sharia concern regarding additional charges described as monthly “interest” of approximately 0.73%–1.5%, as well as penalties for late payment and potential repossession of goods. The Islamic legal status of these mechanisms depends on whether the additional amount constitutes a fixed selling margin determined at the outset or an increase calculated on outstanding debt or delayed payment. The study concludes that credit-based furniture sales may constitute a legitimate form of bai‘ bi al-taqsīṭ when the final price is predetermined, transparent, and mutually agreed upon, while post-contractual charges and default mechanisms require stronger safeguards to ensure justice, prevent ribā and gharar, and protect both contracting parties.
Revisiting Musyarakah Contracts in Contemporary MSMEs: A Critical Fiqh Muamalah Analysis Sukma Tri Andini; Zaenal Abidin; Alisyah Pitri
Amorti: Jurnal Studi Islam Interdisipliner Vol. 5 No. 4 Oktober 2026: Amorti: Jurnal Studi Islam Interdisipliner
Publisher : Yayasan Azhar Amanaa Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59944/amorti.v5i4.1573

Abstract

This study aims to investigate how the practice of musyarakah contract among Micro, Small, and Medium Enterprises (MSMEs) in Pandan Jaya Village is implemented from the perspective of fiqh muamalah (Islamic jurisprudence on worldly transactions). This study employed a descriptive qualitative approach with in-depth interview techniques conducted with three grocery MSMEs as the research objects, namely Toko Arwin, Toko Olip, and Toko Marni. The results indicate that all three shops substantively fulfill the fundamental pillars of the musyarakah contract, including the presence of contracting parties, oral ijab and qabul (offer and acceptance), explicit cash capital, and a jointly managed business venture. No elements of riba (usury) or maysir (gambling/speculation) were found, as the entire capital originated from the personal funds of the partners. The profit-sharing mechanisms vary across the shops and are permissible under fiqh as long as they are based on mutual consent. However, the primary weakness lies in the formality of the contract; all agreements were made entirely orally without written documentation or witnesses, thereby creating a potential for gharar (uncertainty) that could trigger future disputes. Furthermore, the business owners' understanding of fiqh muamalah principles remains highly limited. This study concludes that partnership practices among MSMEs in Pandan Jaya Village have met the core substance of the musyarakah contract, yet they are not fully aligned with the standards of fiqh muamalah in terms of contractual formalities and Sharia awareness.
Co-Authors Andalia Desi Rahma Nuri Dinda Mayang Apriliani Hasna Dewi Lisna Wati M Habibie Muhammad Maulana Nilfatri Nilfatri Putriani Reza Okva Marwendi Rince Tambunan Sri Kadarsih Sukma Tri Andini Zaenal Abidin Zeni Sunarti