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All Journal Al-Ulum Tadbir: Jurnal Manajemen Pendidikan Islam Jurnal Pemberdayaan Masyarakat Madani (JPMM) Iqra: Jurnal Ilmu Kependidikan dan Keislaman Jurnal Pendidikan Ekonomi & Bisnis Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL INSTEK (Informatika Sains dan Teknologi) Jurnal Pengabdian Magister Pendidikan IPA IMANENSI: Jurnal Ekonomi, Manajemen dan Akuntansi Islam Meraja journal Jurnal Penelitian Agrisamudra Accounting Profession Journal (APAJI) Journal of Tourism and Economic Economics and Digital Business Review International Journal of Health, Economics, and Social Sciences (IJHESS) Apssai Accounting Review (ApAR) Journal Online Manajemen ELPEI (JOMEL) Media Ekonomi Sighat : Jurnal Hukum Ekonomi Syariah INTERNATIONAL JOURNAL OF ECONOMICS AND MANAGEMENT REVIEW Carita : Jurnal Sejarah dan Budaya Jurnal Ekonomi Kreatif Indonesia Sinergi International Journal of Management and Business Journal of Business, Technology, & Social Science Jurnal Pengabdian Masyarakat dan Riset Pendidikan ANDIL Mulawarman Journal of Community Engagement Jurnal Dedikasi Masyarakat GoodWill Journal of Economics, Management, and Accounting INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen ETNOPEDAGOGI: Jurnal Pendidikan dan Kebudayaan
Muliati
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The Role of Financial Literacy in Moderating the Influence of Digital Payments and Lifestyle on Financial Management Behavior of Generation Z in Palu City Pakawaru, Muhammad Ilham; Bakry, Mohammad Iqbal; Muliati; Mile, Yuldi; Tanra, Andi Ainil Mufidah
INTERNATIONAL JOURNAL OF ECONOMICS AND MANAGEMENT REVIEW Vol 3 No 3 (2025): Current issue 8
Publisher : SMARTINDO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58765/ijemr.v3i3.365

Abstract

Purpose – This study aims to examine the role of financial literacy in moderating the influence of digital payments and lifestyle on the financial management behaviour of Generation Z in Palu City. Design/methodology/approach – The sample consisted of 210 Generation Z respondents residing in Palu who use digital or non-cash payment methods in their transactions. Data were analysed using WarpPLS 7.0. Originality - These findings highlight that good financial literacy helps individuals recognise the impact of lifestyle on their finances and take appropriate steps to manage expenditures more effectively as a form of self-control. Findings and Discussion – The results show that digital payments have a direct influence on the financial management behaviour of Generation Z in Palu City, while lifestyle has no direct effect. Financial literacy weakens the impact of lifestyle on financial management behaviour, but strengthens the impact of digital payments on financial management behaviour. The adoption of digital payments reflects Generation Z’s adaptation to technological developments that increasingly promote non-cash transactions in Palu and Indonesia in general, providing convenience in payment processes. Conclusion – This study implies that financial literacy can serve as a controlling factor (a tangible form of perceived behavioural control), bridging the gap between consumptive intentions and actual behaviour. For this reason, the government and financial institutions may employ financial literacy as a preventive strategy to mitigate debt-related issues, particularly among younger generations with digital and consumptive lifestyles.
Penerapan Sharia Entreprise Theory Dalam Corporate Social Responsibility Terhadap Kinerja Perusahaan di Bank Muamalat Cabang Parepare Dewi, Citra; Syahriyah Semaun; Damirah; Muliati; Andi Bahri. S
Economics and Digital Business Review Vol. 5 No. 1 (2024): Agustus - January
Publisher : STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/ecotal.v5i1.996

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan Sharia Enterprise Theory pada Corporate Social Responsibility terhadap kinerja perusahaan di bank muamalat Cabang parepare. penelitian ini menggunakan metode penelitian deskriptif kualitatif. Penelitian kualitatif merupakan penelitian yang dalam proses hingga menghasilkan suatu temuan tidak menggunakan prosedur statistik atau bentuk penghitungan. Jenis penelitian yang dilakukan yaitu penelitian lapangan (field research). Berdasarkan hasil wawancara beberapa narasumber yang terkait, diperoleh hasil penelitian menunjukkan bahwa Bank muamalat parepare menyalurkan dana CSR kepada lembaga baitul mall mumalat. Lembaga ini merupakan lembaga yang menghimpun semua dana-dana sosial yang berasal dari bank muamalat, namun dana-dananya juga dapat bersumber dari lembaga lain. Baitul mall muamalat memiliki wewenang penuh terhadap dana-dana sosial yang dihimpun hingga pada penyaluran dananya. Pihak bank muamalat hanya memiliki wewenang mengawasi hingga ikut serta dalam penyaluran dana CSR yang dibawahi oleh lembaga Baitul Mall Muamalat.
Implementation of Contextual Learning Methods in Improving Learning Outcomes of Belief in the Book of Allah SWT at SMP Negeri 2 Panei Lubis, Nining Indah Lestari; Muliati; Purba, Jamaluddin; Sriyani
ETNOPEDAGOGI: Jurnal Pendidikan dan Kebudayaan Vol. 1 No. 4 (2024): OCTOBER 2024
Publisher : MANDAILING GLOBAL EDUKASIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62945/etnopedagogi.v1i4.543

Abstract

Contextual learning is a method that emphasizes the relationship between the material taught and the real experiences of students, so that it can improve their understanding and learning outcomes. This study aims to analyze the application of contextual learning methods in improving student learning outcomes in the material Belief in the Book of Allah SWT. The research method used is a qualitative approach with observation techniques, interviews, and evaluation of student learning outcomes. The results of the study show that the contextual learning method is able to improve student understanding because the material is linked to everyday life. Students become more active in learning, discussing, and are able to relate the concept of faith in the books of Allah SWT with their experiences. In addition, this method helps students develop critical and reflective thinking skills, so that they not only understand the theory, but are also able to practice the values ​​of faith in everyday life. Thus, contextual learning is an effective strategy in improving student understanding and learning outcomes in Islamic Religious Education subjects, especially in the material Belief in the Book of Allah SWT.
Implementation of the Scaffolding Method in Improving Learning Outcomes with the Material of Respecting and Appreciating the Beliefs of Others at SD Negeri 095253 Talun Madear Sriyani; Purba, Jamaluddin; Muliati; Lubis, Nining Indah Lestari
ETNOPEDAGOGI: Jurnal Pendidikan dan Kebudayaan Vol. 2 No. 1 (2025): JANUARY 2025
Publisher : MANDAILING GLOBAL EDUKASIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62945/etnopedagogi.v2i1.579

Abstract

This study aims to analyze the implementation of the scaffolding method in improving learning outcomes on the material "Respecting and Appreciating Other People's Beliefs in the School Environment" at SD Negeri 095253 Talun Madear. The scaffolding method is a learning strategy that provides gradual guidance to students until they are able to achieve understanding and independence in learning. This approach is considered effective in building an attitude of tolerance and improving students' understanding of the importance of mutual respect in social life at school. This study uses a quantitative method with a classroom action research (CAR) design. Data were obtained through observation, learning outcome tests, and interviews with students and teachers. The results showed that the gradual implementation of the scaffolding method was able to improve students' understanding of the material being taught. This can be seen from the increase in students' average scores in each learning cycle, as well as a change in attitudes that are more positive in appreciating differences in beliefs in the school environment. In addition, students become more active in discussions and more confident in expressing their opinions regarding the values ​​of tolerance. Thus, it can be concluded that the scaffolding method is an effective strategy in improving student learning outcomes, especially in learning that emphasizes social aspects and values ​​of togetherness. The application of this method is recommended for teachers to create a more interactive and meaningful learning atmosphere for students
Daya saing dan keberlanjutan destinasi wisata desa kabupaten Kutai Kartanegara Rian Hilmawan; Yesi Aprianti; Muliati; Andriawan Kustiawan
Journal of Tourism and Economic Vol. 6 No. 1 (2023): Edisi 11 Jun 2023
Publisher : STIE Pariwisata API Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36594/jtec/e6v6n1a7

Abstract

This research aims to descriptively identify the competitiveness of tourist destinations in Kutai Kartanegara, East Kalimantan Province, according to the perspective of stakeholders, namely the local government and owners of tourist destination. It then classifies the strengths, weaknesses, opportunities and threats under SWOT Analysis framework. This study also explains the sustainability of tourist destinations measured from economic, socio-cultural and environmental componentsUsing qualitative descriptive technique, our data. were taken from secondary and primary sources, namely from the Tourism Office of Kutai Kartanegara, Indonesian. and through sample field visits by interviewing informants from Benua Elai (Belai) Tourism Village (Desa Wisata Benua Elai) in Sub-District of Loa Janan. The research results show that the competitiveness of tourist destinations in Kutai Kartanegara has comparative and competitive advantages. Comparatively, natural tourism has 74 destinations, followed by cultural tourism with 157 destinations. There are also 21 artificial tourist destinations. In terms of competitive advantage, institutional support from the district government in supporting the development of community-managed tourist destinations through Kelompok Sadar Wisata (Pokdarwis) has been carried out. From the aspect of sustainability, tourist destinations such as Desa Belai have the potential to improve well-being of surrounding communities, though the position of tourist destinations has been threatened by large-scale mining activities. These coal mining explorations may harm sustainability of village tourism and its prospect to be leading growth sector.
inggris Muliati; Na'imah; Nur Sa'idah; Badrun; Arif Prasetyo
Tadbir: Jurnal Manajemen Pendidikan Islam Vol 13 No 2 (2025): Tadbir: Jurnal Manajemen Pendidikan Islam
Publisher : LP2M IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/tjmpi.v13i2.6393

Abstract

This study was conducted to find concrete innovations in the leadership of the madrasah principal in improving the quality of education at MTs N 9 Bantul. The quality of education is the main part that is applied in Islamic educational institutions in order to achieve good quality education. The madrasah principal is the main driver in the madrasah in achieving the goal of quality education. This study uses a descriptive qualitative research type. Data collected through in-depth interviews, observations, and documentation with the Madrasah Principal and the Deputy Madrasah Principal for student affairs. The results of this study indicate that the innovation of the madrasah principal's leadership in improving the quality of education in the 5.0 era can be found in the implementation of nine (9) superior programs, namely (1) Madrasah Achievement Activities (GSM) (2) Masamba Literacy Movement (GLM) (3) Sadam (Sadar Adiwijaya Masamba), (4) ODOT (One Day One Thousand), (5) PUTIH (Publication Tiada Henti) (6) Saturday Masemba Dhikr (SMB) (7) JUMARIA (Cheerful Friday) (8) FORSIMBA ( Synergy Forum) Committee , Community, and Masemba ) (9) Parent, Teacher and Student Study Group (PGS) . Furthermore, the second finding is the existence of partnerships and collaborations that will facilitate cooperation both within the internal and external scope of the organization to support the ongoing running of the madrasah program. Then, the third finding is the empowerment of educators and education personnel so that students will find it easier to understand the material given by students.
Keadilan Ekonomi dalam Intervensi Harga Gabah oleh Bulog: Kajian Nilai Maslahah bagi Petani di Duampanua Gustia; Syahriyah Semaun; An Ras Try Astuti; Muliati; Damirah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29004

Abstract

Abstract The fluctuation of rice grain prices in Duampanua District, Pinrang Regency, reflects structural market imbalances dominated by middlemen (tengkulak). This condition creates economic injustice for farmers who are forced to sell their harvests below the Government Purchase Price (HPP). This study aims to analyze economic justice within Bulog’s price intervention policy and to assess the extent to which the policy embodies the value of maslahah (public benefit) for farmers from the perspective of Islamic economics. This research employs a qualitative approach with a case study method. Data were collected through in-depth interviews with farmers, middlemen, and Bulog officials, as well as documentation of policies and relevant literature. Data analysis was carried out through reduction, presentation, and conclusion drawing based on distributive justice and maslahah principles. The results show that Bulog’s intervention through the establishment of HPP and direct purchase mechanisms has contributed to price stability; however, its effectiveness remains limited due to bureaucratic constraints, lack of socialization, and limited farmer access. From an Islamic economic perspective, Bulog’s policy reflects elements of economic justice and protection for the weak (al-mustadh‘afin), yet the value of maslahah has not been fully realized since most farmers still depend on middlemen. Therefore, strengthening Bulog’s institutional capacity and enhancing coordination with local governments are essential to achieving a fair and sustainable grain distribution system in line with Islamic economic principles. Keywords: Economic Justice, Price Intervention, Bulog, Maslahah, Rice Farmers Abstrak Fenomena ketidakstabilan harga gabah di Kecamatan Duampanua, Kabupaten Pinrang, menunjukkan adanya ketimpangan dalam struktur pasar yang didominasi oleh tengkulak. Kondisi ini menimbulkan ketidakadilan ekonomi bagi petani yang terpaksa menjual hasil panennya di bawah Harga Pembelian Pemerintah (HPP). Penelitian ini bertujuan untuk menganalisis keadilan ekonomi dalam kebijakan intervensi harga yang dilakukan oleh Perum Bulog serta menilai sejauh mana kebijakan tersebut mencerminkan nilai maslahah bagi petani dalam perspektif ekonomi Islam. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus. Data diperoleh melalui wawancara mendalam dengan petani, tengkulak, dan pihak Bulog, serta dokumentasi kebijakan dan literatur terkait. Analisis dilakukan melalui proses reduksi data, penyajian data, dan penarikan kesimpulan berdasarkan prinsip keadilan distributif dan nilai maslahah. Hasil penelitian menunjukkan bahwa intervensi Bulog melalui penetapan HPP dan pembelian langsung telah berkontribusi terhadap stabilitas harga, namun efektivitasnya masih terbatas akibat kendala birokrasi, minimnya sosialisasi, dan keterbatasan akses petani. Dalam perspektif ekonomi Islam, kebijakan Bulog mengandung unsur keadilan ekonomi dan perlindungan terhadap pihak yang lemah (al-mustadh‘afin), namun nilai maslahah belum sepenuhnya terwujud karena sebagian besar petani masih bergantung pada tengkulak. Oleh karena itu, diperlukan penguatan kelembagaan Bulog dan sinergi dengan pemerintah daerah untuk mewujudkan sistem distribusi gabah yang berkeadilan dan berkelanjutan sesuai prinsip ekonomi syariah. Kata Kunci: Keadilan Ekonomi, Intervensi Harga, Bulog, Maslahah, Petani Gabah
The Effect of Accounting Information Systems and Work Environment on Employee Performance at the Department of Marine and Fisheries of Central SulawesiProvince in Palu City Ananda Aulia; Muliati; Tenripada; Mustamin
GoodWill Journal of Economics, Management, and Accounting Vol. 5 No. 2 (2025): October 2025
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/aba1a639

Abstract

This study examines the effect of Accounting Information Systems (AIS) and the Work Environment on Employee Performance at the Department of Marine and Fisheries of Central Sulawesi Province in Palu City. The research aims to determine whether AIS and the Work Environment, both individually and simultaneously, contribute to variations in employee performance within a public-sector organization. A quantitative approach was employed using a survey method, and data were collected through structured questionnaires distributed to 40 employees selected using purposive sampling. The instrument passed validity and reliability tests, and the data were analyzed using multiple linear regression supported by classical assumption testing. The results reveal that AIS and the Work Environment simultaneously have a significant influence on Employee Performance, indicating that both factors together play a meaningful role in improving performance. However, partial testing shows that AIS has a strong and significant effect on employee performance, demonstrating its essential role in enhancing accuracy, efficiency, and decision-making quality in government operations. Conversely, the Work Environment does not have a significant partial effect, suggesting that existing environmental conditions—although generally conducive—are not sufficiently influential to generate measurable performance changes. These findings highlight the strategic importance of strengthening information system quality and employee capability in system utilization, while improvements to the work environment may require broader structural adjustments to produce significant outcomes.
Co-Authors A. Nurkidam A. We Tenri Fatimah Singkeruang A.Ariyadi Abdul Rahman Ahdar Ahsan Abdissalam AkbarAkbar Hidayat Ahmad Ali Supriadi Amliaya Putri An Ras Try Astuti Ananda Aulia Andi Bahri S Andi Bahri. S Andi Chairil Furqan Andriawan Kustiawan Arif Prasetyo Aslam Arya Wiranugraha Astin Ayu Lestari AZ, Wahyul Badrun Bakry, Mohammad Iqbal Citra Dewi Damirah Darmiani Ernawati Euis Zian Safitri Fadillah Pratiwi S FAHMI YAFI TUASALAMONY Faradhillah, Nitha Fauzan, Ahmad Ferdyansyah Fikri Ga, Stanislaus Skotska Yosafat Gaffar, Emmilya Umma Azizah Gustia Harahap, Hotsawadi Hasriadi Hasrita Lubis Hijri Juliansyah I Gde Kusmananda Satya Narayana Ibrahim Ihlazul Amal Ilham Pakkawaru Indriani Ishar, Muh. Ismail, Shafinar Lasodi, Nurfadila Ramdani Lenas, Meldilianus Nabas J Lubis, Iksan Adiputra Lubis, Iksan Adiputra Lubis Lubis, Nining Indah Lestari Lusianai, Wa Ode Mahardin Mahmud, Usamah Mapparessa, Nurlaela Masruddin Mile, Yuldi Muh Darma Halwi Muh. Ilham. H Muh. Nurdiansyah Muhammad Ali Rusdi Bedong Muhammad Ansar, Muhammad Muhammad Fahri, Muhammad Muhammad Kamal Zubair Muhammad Rusydi Navri Muhammad Saleh Mukmin Muhammad Mustamin Na'imah Nasrullah Ni Made Suwitri PARWATI nirdukita ratnawati, nirdukita Norhaedah Nur Afni Asnia Nur Asia Nur Sa'idah Nurdin, Jurana Nurmawadah Rahmah Nurul Fadillah Nurwahyudi, Rifqi Nurwani Oktafiyana, Eta PAKAWARU, Muhammad Ilham Purba, Jamaluddin Rachim, Muhamad Djufri Rian Hilmawan Ridwan Senong Rozalina, Rozalina Rozalina Rukiah Ruslan, Fadhlurrahman Safaruddin Saidah Santi Farmasari SARIPUDDIN.M Satriana Sihaloho, Tulus Pieter Jonathan SRI RAHAYU Sriwati Sriyani Suarning Suherman, Suherman Sukmiah Sumardi Syahriyah Semaun, Syahriyah Tanra, Andi Ainil Mufidah Tenripada, Tenripada Totanan, Chalarce Triastuti Kurnianingsih, Heny Usman Vania Madeline Sayuna Waang, Lidia Indriane Wahida Hi. Amier Yasin, Nurfatwa Andriani Yesi Aprianti Yusrita