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All Journal JURNAL ILMIAH MANAJEMEN & BISNIS Intiqad: Jurnal Agama dan Pendidikan Islam EDUTECH: Jurnal Ilmu Pendidikan dan Ilmu Sosial Quantitative Economics Journal Al Ishlah Jurnal Pendidikan Al Tijarah Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah MODELING: Jurnal Program Studi PGMI J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal Ekonomi Islam Journal of Economic, Bussines and Accounting (COSTING) LIABILITIES (JURNAL PENDIDIKAN AKUNTANSI) JMM (Jurnal Masyarakat Mandiri) Misykat al-Anwar Jurnal Kajian Islam dan Masyarakat Martabe : Jurnal Pengabdian Kepada Masyarakat CARADDE: Jurnal Pengabdian Kepada Masyarakat NUSANTARA : Jurnal Ilmu Pengetahuan Sosial JURNAL PENDIDIKAN TAMBUSAI JUPE : Jurnal Pendidikan Mandala Iqtishoduna: Jurnal Ekonomi Islam AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Pendidikan dan Konseling Jurnal Informatika Ekonomi Bisnis Community Engagement and Emergence Journal (CEEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Hikmah Ihtiyath : Jurnal Manajemen Keuangan Syariah Ihsan: Jurnal Pengabdian Masyarakat Aghniya: Jurnal Ekonomi Islam Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Community Empowerment Al-Ulum: Jurnal Pendidikan Islam Al-Sharf: Jurnal Ekonomi Islam Al-Fikru: Jurnal Ilmiah Proceeding International Seminar of Islamic Studies Akuntansi'45 Al-Ulum: Jurnal Pendidikan Islam International Journal of Islamic and Social Sciences (ISOS) Mabsya: Jurnal Manajemen Bisnis Syariah Economic Reviews Journal MASALIQ: Jurnal Pendidikan dan Sains Jurnal Ekonomi Islam Jurnal Informatika Ekonomi Bisnis International Journal of Economic, Technology and Social Sciences (Injects) Ekonom : Jurnal Ekonomi dan Bisnis IIJSE International Conference on Islamic Economic Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Krigan: Journal of Management and Sharia Business ZONA: Jurnal Pengabdian Masyarakat JER Journal of Ekonomics, Finance, and Management Studies
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Determinant Models of Sharia Financial Literacy Muslim Students in Indonesia: A Multidimensional Approach Sihotang, Mutiah Khaira; Hasanah, Uswah; Hayati, Isra
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 2 (2024): October
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i2.2482

Abstract

The Sharia financial institutions in Indonesia, especially the city of Medan, are growing and continuing to compete with the existing conventional finance institutions. This should be combined with public knowledge of the sharia financial institutions. Therefore, there is a need for education toward the financial literature of sharia for the whole layer of society, from parents to children. This research aims to find out the determination factor of the financial literature of sharia in muslim  students in indonesia. The dependent variables used in this study are parent income, student learning achievements, information and religious sources with sharia financial literacy as independent variables. Sampling in this study uses purposive sampling. The population in this study was the muslim students who were in the Medan city, Indonesia. The study used a quantitative approach where primary data was obtained through the dissemination of the questionnaire, with the total sample of 180 people. The study was tested for validity and reliability. The data is then analyzed with double regression. All phases of testing and data analysis are carried out with the help of SPSS. The results of this study stated that the variable learning performance and information sources have a significant influence on the financial literacy of muslim students in the city of Medan, Indonesia. Income and religious variables do not affect student financial literacy. This is seen from the t-test with a significance value > 0.05.
Implementasi Governansi Digital di Badan Kesatuan Bangsa dan Politik (Kesbangpol) Provinsi Sumatera Barat: Strategi Transparansi dan Akuntabilitas dalam Pengelolaan Informasi Publik Karlina, Betalia; Syamsir, Syamsir; Nur Natasha Putri, Hartika; Hayati, Isra; Ulya, Iffatul; Maida Sari, Vivi; Setti Werian Dani, Giya; Fizia Marsa, Thirtiwi
Jurnal Pendidikan Tambusai Vol. 9 No. 1 (2025)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini membahas tentang implementasi tata kelola digital di Badan Kesatuan Bangsa dan Politik (Kesbangpol) Provinsi Sumatera Barat, dengan penekanan pada strategi transparansi dan akuntabilitas dalam pengelolaan informasi publik. Metode yang digunakan adalah kualitatif dengan menggunakan wawancara dan analisis tematik. Hasil penelitian menunjukkan bahwa meskipun teknologi digital mempermudah akses informasi, masih terdapat hambatan besar seperti keterbatasan sumber daya manusia, anggaran, infrastruktur, dan kesadaran masyarakat. Upaya perbaikan dilakukan melalui pemanfaatan media sosial, PPID dan aplikasi SIJEMPOL untuk meningkatkan partisipasi masyarakat dan efektivitas layanan informasi. Studi ini menyoroti pentingnya meningkatkan literasi digital dan profesionalisme tenaga kerja untuk mengoptimalkan tata kelola informasi publik, sehingga informasi tersebut dapat transparan dan akuntabel.
Perhitungan Biaya Produk Berdasarkan Activity Based – Costing Julia Rafika; Muhammad Rizky Ramadhan; Saidatul Mardiyah; Wira Anggara Hadi Jamak; Isra Hayati
AKUNTANSI 45 Vol. 5 No. 1 (2024): Jurnal Ilmiah Akuntansi
Publisher : Fakultas Ekonomi Program Studi Akuntansi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/akuntansi45.v5i1.2489

Abstract

Activity-based costing (ABC) is an important method of determining manufacturing costs that focuses on the activities involved in the production process. This article aims to present a review based on a literature review related to the application of the ABC method in product costing, along with an explanation of the steps for calculating product cost by this method. In addition, this study also analyzes the results of applying the ABC method in increasing the accuracy and transparency of product cost calculations Operational costing (ABC) is an important method of determining production costs that focuses on the activities involved in the production process. This article aims to make comments on the basis of an overview of documents related to the application of ABC method in product costing, as well as explain the steps to calculate product cost by this method. Data from various related studies, articles and books are used to form a basic understanding of the practical steps in calculating product cost by ABC . method. Literature review is also used to identify the benefits and results of applying this method in increasing the company's production efficiency. The results of the literature review show that the application of the ABC method can produce a more accurate and transparent product cost calculation. With the ABC method, companies can identify the level of contribution of each activity in the production process, thus enabling management to determine the cost of products more precisely .
Pengaruh Dana Desa dan Status Desa terhadap Penanganan Stunting di Kabupaten Pesisir Selatan Hayati, Isra; Taifur, Werry Darta
Jurnal Informatika Ekonomi Bisnis Vol. 6, No. 4 (December 2024)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v6i4.1065

Abstract

This study aims to analyze the influence of the Village Fund and Village Status on stunting in Pesisir Selatan Regency. Using a quantitative approach with multiple regression methods, this study measures how Village Fund allocations and village status contribute to reducing stunting rates. Data was collected through documentation study techniques from relevant agencies and processed to ensure statistical assumptions such as normality, multicollinearity, and homoscedasticity were met. The results show that the Village Fund has no influence on stunting reduction, while the IDM shows a significant influence. This indicates that budget allocations directed towards health and nutrition programs do not have a direct impact on stunting reduction compared to general village infrastructure improvements. This conclusion emphasizes the importance of prioritizing allocations. These results indicate that even if a village achieves progress in terms of infrastructure, economy, and public facilities, it can still reduce the problem of stunting.This study also suggests expanding the scope of variables in the future to enrich the understanding of the factors that affect stunting more comprehensively.
Pengaruh Dana Desa dan Status Desa terhadap Penanganan Stunting di Kabupaten Pesisir Selatan Hayati, Isra; Taifur, Werry Darta
Jurnal Informatika Ekonomi Bisnis Vol. 6, No. 4 (December 2024)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v6i4.1065

Abstract

This study aims to analyze the influence of the Village Fund and Village Status on stunting in Pesisir Selatan Regency. Using a quantitative approach with multiple regression methods, this study measures how Village Fund allocations and village status contribute to reducing stunting rates. Data was collected through documentation study techniques from relevant agencies and processed to ensure statistical assumptions such as normality, multicollinearity, and homoscedasticity were met. The results show that the Village Fund has no influence on stunting reduction, while the IDM shows a significant influence. This indicates that budget allocations directed towards health and nutrition programs do not have a direct impact on stunting reduction compared to general village infrastructure improvements. This conclusion emphasizes the importance of prioritizing allocations. These results indicate that even if a village achieves progress in terms of infrastructure, economy, and public facilities, it can still reduce the problem of stunting.This study also suggests expanding the scope of variables in the future to enrich the understanding of the factors that affect stunting more comprehensively.
Encouraging the effectiveness of philanthropic institutions: Implementation of digital fundraising platform for Lazismu Medan City Ahmad Afandi; Syahrul Amsari; Isra Hayati; Muhammad Arifin Lubis
Community Empowerment Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/ce.11340

Abstract

The use of information technology in fundraising has brought about a significant transformation in the operations of charitable organizations, enabling the expansion of reach and increasing the effectiveness of activities. Lazismu Medan City, a philanthropic institution in Indonesia, faces challenges in optimizing fundraising activities due to limited digital technology capacity and less effective marketing strategies. This community service aims to develop and implement a digital platform to enhance Lazismu's capacity in managing fundraising efficiently and transparently, accessible via lazismumedan.org. Methods for implementing the service include developing a platform, conducting comprehensive training for Lazismu administrators and volunteers, as well as enhancing skills in using digital technology to raise funds. The results of this service show a significant increase in the number of donations collected and the level of donor satisfaction, indicating increased capacity and transparency in Lazismu's fundraising activities.
Strategi Pengelolaan dan Pengembangan pada Tadika Al-Fikh Orchard HQ Malaysia Thufail, Muhammad Daffa; Hayati, Isra
MODELING: Jurnal Program Studi PGMI Vol 12 No 1 (2025): Maret
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.v12i1.2813

Abstract

Penelitian ini bertujuan untuk tidak hanya memperjelas strategi pengelolaan dan pengembangan usaha pada Tadika Al-Fikh Orchard HQ Malaysia tetapi juga tantangan yang dihadapi dalam implementasi strategi pengelolaan dan pengembangan usaha pada Tadika Al-Fikh Orchard HQ Malaysia. Metode penelitian deskriptif dengan pendekatan kualitatif filsafat postpositivisme. Objek penelitian bertempat di Tadika Al-Fikh Orchard HQ Malaysia. Data primer dan data sekunder penelitian diperoleh tidak hanya dari wawancara dan observasi dengan informan tetapi juga dari kajian pustaka, seperti jurnal, dan buku referensi. Hasil penelitian sebagai berikut: (1) Strategi pengelolaan dan pengembangan usaha pada Tadika Al-Fikh Orchard HQ Malaysia perlu ditambahkan mengingat Tadika Al-Fikh Orchard HQ adalah terwaralaba dalam bidang pendidikan (franchisee). Hal ini menunjukkan pentingnya strategi pengelolaan dan pengembangan usaha. Ketentuan ini mencerminkan pentingnya tanggungjawab dan kewajiban dalam praktik etika bisnis syariah bukan saja dalam pengelolaan, melainkan juga dalam pengembangan usaha; (2) Tantangan yang dihadapi dalam implementasi strategi pengelolaan dan pengembangan usaha pada Tadika Al-Fikh Orchard HQ Malaysia telah teratasi dalam analisis SWOT dan SOP. Setidaknya, dengan pemahaman yang baik tentang aspek-aspek etika bisnis Islam, diharapkan Tadika Al-Fikh Orchard HQ dapat mengelola keuangan mereka secara efektif untuk meningkatkan keberlangsungan usaha Tadika Al-Fikh Orchard HQ di seluruh negara Malaysia. Abstract This research aims to not only clarify the management and business development strategy at Tadika Al-Fikh Orchard HQ Malaysia but also the challenges faced in the implementation of the management and business development strategy at Tadika Al-Fikh Orchard HQ Malaysia. Descriptive research method with a qualitative approach to postpositivism philosophy. The object of the research was located at Tadika Al-Fikh Orchard HQ Malaysia. Primary data and secondary data of research were obtained not only from interviews and observations with informants but also from literature reviews, such as journals, and reference books. The results of this research are as follows: (1) The management and business development strategy at Tadika Al-Fikh Orchard HQ Malaysia needs to be added considering that Tadika Al-Fikh Orchard HQ is a franchisee in the field of education (franchisee). This shows the importance of business management and development strategies. This provision reflects the importance of responsibilities and obligations in the practice of sharia business ethics not only in management, but also in business development; (2) The challenges faced in the implementation of business management and development strategies at Tadika Al-Fikh Orchard HQ Malaysia have been overcome in SWOT analysis and SOP. At least, with a good understanding of the aspects of Islamic business ethics, it is hoped that Tadika Al-Fikh Orchard HQ can manage their finances effectively to improve the sustainability of Tadika Al-Fikh Orchard HQ's business throughout Malaysia.
Pengaruh Keamanan Layanan terhadap Keputusan Penggunaan QRIS Bank Syariah Bagi Mahasiswa Fakultas Agama Islam UMSU Rizky, Melia; Hayati, Isra; Ruzky, Uun Dwi
Krigan: Journal of Management and Sharia Business Vol. 1 No. 1 (2023): Juni 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v1i1.6522

Abstract

This study aims to determine the effect of service security on the decision to use QRIS of Islamic Banks in UMSU Islamic Faculty students. The formulation of the problem in this study is that there are still Islamic Banking Study Program students who do not know or use QRIS as a payment transaction. The method used in this study was a questionnaire with a Likert scale and data processing using SPSS calculations with a total of 68 respondents. Based on the results of data processing, it shows that service security has a significant effect on the decision to use with significant calculations, it is known that the significance value is 0.000 <0.05 and the t-count value is 3.743 > t-table 1.997, so it can be concluded that Ho is rejected and Ha is accepted. The results using the Determination Test (R2) show that the Adjust R Square coefficient of determination is 0.788 or 78,8%, which means that the decision variable for transactions using QRIS Islamic Banks (Y) is influenced by service security (X) with the remainder being influenced by other variables not contained in the this research.Penelitian ini bertujuan untuk mengetahui pengaruh service security terhadap keputusan penggunaan QRIS Bank Syariah pada mahasiswa Fakultas Islam UMSU. Rumusan masalah dalam penelitian ini adalah masih adanya mahasiswa Prodi Perbankan Syariah yang belum mengetahui atau menggunakan QRIS sebagai transaksi pembayaran. Metode yang digunakan dalam penelitian ini adalah kuesioner dengan skala Likert dan pengolahan data menggunakan perhitungan SPSS dengan jumlah responden sebanyak 68 orang. Berdasarkan hasil pengolahan data menunjukkan bahwa keamanan layanan berpengaruh signifikan terhadap keputusan penggunaan dengan perhitungan signifikan diketahui nilai signifikansi 0,000 < 0,05 dan nilai t hitung 3,743 > t tabel 1,997 , sehingga dapat disimpulkan bahwa Ho ditolak dan Ha diterima. Hasil dengan menggunakan Uji Determinasi (R2) menunjukkan koefisien determinasi Adjust R Square sebesar 0,788 atau 78,8%, yang berarti bahwa variabel keputusan bertransaksi menggunakan QRIS Bank Syariah (Y) dipengaruhi oleh keamanan layanan (X) dengan sisanya dipengaruhi oleh variabel lain yang tidak terdapat dalam penelitian ini.
The Effectiveness Of The Sharia-Based Transaction Payment System In Increasing The Trust Of Pilgrims In The Umrah Travel Service Of Pt. Zam Zam Islamic Tourism Maharani, Annisa; Isra Hayati
Al Tijarah Vol. 10 No. 1 (2024): Al Tijarah | June
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/at.v10i2.14205

Abstract

In the current era of globalization, the religious tourism industry, especially in Umrah pilgrimage trips, is experiencing very rapid growth. Customer trust in travel services is one of the main factors that determine the success of a travel company in maintaining and expanding its market share in the midst of competition. The implementation of this sharia-based payment system can increase pilgrims' trust in the services provided by Umrah travel agencies. This study aims to find out how effective the sharia-based transaction payment system is in increasing pilgrims' trust in Umrah travel services at PT. Zam Zam Islamic Tourism. This research was conducted on PT. Zam Zam Wisata Islami which is located on Al Falah street, Muctar Basri No. B6, Kel, Glugur Darat 2, Kec. The approach used in this study is a qualitative approach.  The data analysis technique used through data collection uses an interview process, data reduction, and drawing conclusions.  This study shows that the sharia-based transaction payment system has a significant influence on the trust of pilgrims. The implementation of this system has proven to be effective in increasing the trust of pilgrims. However, there are several challenges in its implementation, such as the lack of understanding of pilgrims about the payment system carried out in sharia and the competitiveness of other travel parties. Based on the analysis, it can be concluded that, with the existence of a sharia-based payment system at PT. Zam Zam Wisata Islami has an important role in building the trust of pilgrims, therefore, the company needs to optimize and educate the pilgrims and improve Islamic financial services, this needs to be done to increase the effectiveness of this system in the future.
Upaya Meningkatkan Kemampuan Menghafal Surah Pendek Pada Anak Usia Dini di Tadika Al-Fikh Orchard Port-Klang Sari, Afnila; Hayati, Isra
JUPE : Jurnal Pendidikan Mandala Vol 8, No 1 (2023): JUPE : Jurnal Pendidikan Mandala (Februari)
Publisher : Lembaga Penelitian dan Pendidikan Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/jupe.v8i1.4886

Abstract

Penelitian ini dilaksanakan di Tadika Al-Fikh Orchard,Port-Klang dengan tujuan untuk membangkitkan semangat peserta didik khususnya dalam mempelajari Al-Quran  sekaligus menanamkan kesadaran orang tua tentang pentingnya mengajarkan anak-anak mengenai ilmu Al-Quran. Penelitian ini menggunakan berbagai metode antara lain, observasi, interview dan juga dokumentasi yang dilakukan dengan tujuan memudahkan proses pelaksanaan kegiatan. Hasil penelitian menunjukkan bahwa pada dasarnya kemampuan membaca Al-Quran membutuhkan bimbingan dari orang yang mampu mengajarkan dengan baik dan benar serta dikembangkan secara lebih. Hasil penelitian ini juga menunjukkan bahwa peningkatan kemampuan dalam proses belajar anak sangat bergantung pada bimbingan dan motivasi dari orangtua karena dan hal ini sangat menentukan masa depan anak.
Co-Authors Abu Yazid Raisal Adha, Wahyuni Afif, M. Naufal Ahmad Afandi Ahmad Affandi Akmal Shah Alfi Amalia Alfi Amalia Amelia Rizky Amsari, Syahrul Ananda, Runi Andrew Satria Lubis Angelia Azira Anisyah Afifah Annisa Salwa, Alya Arwin Juli Rakhmadi Arwin Juli Rakhmadi Arwin Juli Rakhmadi Butar-Butar, Arwin Juli Asmuni Astri Astri Astri Astri, Astri Aurel, Vira Aushaf Assegaf, M. Naufal Ayna Azzahra Azhara siregar, Putriyani Azwabi, Hariz Madani Badawi, Afif Basyar, Hibban Basyir, Muhammad Fiqry Budhi Oktavia Budi Harianto, Budi Capakia, Suraya Chossy Wiratama Cut Ernita Julistia Dea Adilla Elsa Dedek Hardianti Saragih Dessy Ariani Hasibuan Dian Novianti Sitompul Efrina Sipayung Ellisa Fitri Tanjung Erlangga Sidiq Fachrul Rozi Lubis Fachrur Razy Aksana Fadhillah, Rini Faisal Rahman Dongoran Fany, Nicole Theo Fath, Muhammad Ali Radja Ferry Rian Maulana Fia Novita Fitra Sulistina Wati Fitri, Ridatul Fizia Marsa, Thirtiwi Frisca, Syifa Hafizhah, Aqilah Hamdani, Lukman Hamdi Mnl, Al Hilal Hamdi, Syaibatul Hani Nursafwa Hara, Siti Syah Harahap, Fikri Rizalsyah Hariyadi Putraga Hasrian Rudi Setiawan Hastuti Olivia Hendrawan, Yoni Hidayat, Muhammad Indah Pratiwi Indah Pratiwi Iqbal Rusli Juita Rahmadani Manik Julia Rafika Karlina, Betalia Kijai, Raja David Indra Luh Putu Ratna Sundari Lukman Hamdani Luthfi Alamsyah M Fadhil Pangestu M Fauzi Hasibuan Maharani, Annisa Maida Sari, Vivi Mariska, Septiara Dwi Melia Rizky Mella, Sinta Misda MMSI Irfan ,S. Kom Muhammad Ali Radja Fath Muhammad Arifin Lubis Muhammad Arifin Lubis Muhammad Hidayat Muhammad Rizky Ramadhan Muliza Muliza, Muliza Mutiah Khaira Sihotang Najiyullah Subhani Lubis Norazlina Nur Natasha Putri, Hartika Nurhakiki Nurul Zahriani Jf Nurul Zahrianti Jf Pangestu, M Fadhil Prananda, Yoga Putri, Naila Rahma, Sabila Rahmayati Rahmayati Rahmayati Rahmayati Rahmayati, Rahmayati Raja David Indra Kijai Ramadhani, Adellya Sagita Ridatul Fitri Riska Amelia Rizky Ramadhan, Rizky Rizky, Melia Ruzky, Uun Dwi Sabila Hawani, Yasmine Saherawati Br Sipayung Saidatul Mardiyah Saparuddin Siregar saparuddin siregar siregar Sapitra Andani Sarah Sitompul Sari, Afnila Sarwo Edi, Sarwo Setti Werian Dani, Giya Sharzia Adewirza Shiddiqi, Syehnaz Sahin Sihotang, Mutiah Khaira Silvi Rahmayani Hasibuan Silvia Febrianti Simanjuntak, Irma Damayanti SITI FATIMAH Siti Mujiatun Suci Fitria Sumardi Efendi Susilawati Susilawati Syahrani Devi Syahrani Devi Syahrul Amsari Syahrul Amsari Syahrul Amsari Syahrul Amsari Syamsir Syamsir Tanjung, Najwa Amanda Thufail, Muhammad Daffa Titis Budi Prihatin Ulya, Iffatul Uswah Hasanah Uswah Hasanah Uun Dwi Ruzky Wahyudi, Andre Werry Darta Taifur Widia Astuty Wira Anggara Hadi Jamak Wira Handika Yuli Yuli Yanti Siregar Zailani Zailani Zailani Zailani Zailani Zailani Zailani Zulfikar, Muhammad Rofi