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Amrizal
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Analisis Kepatuhan Penggunaan Dana Desa yang Efektif dan Efisien di Desa Kemuning Muda Kecamatan Bunga Raya Kabupaten Siak Provinsi Riau Rasiyem; Amrizal; Henny Mulyati; Dea Gusneli; Hardi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i6.7504

Abstract

Compliance with the use of village funds is the key to successful village development. This research aims to analyze the extent to which village fund management in Kemuning Muda has complied with applicable regulations and produced positive impacts for the village. The aim of this research is to determine the level of compliance with effective and efficient use of village funds. Implementing compliance in the use of village funds and the village government's commitment to the quality of the use of village funds is very important. The compliance methodology for effective and efficient use of village funds involves transparent planning, good understanding of regulations, strict supervision, and accountable financial management. The object of the research is the village of Kemuning Muda, Bunga Raya District, Siak Regency, Riau Province. Data is obtained and obtained from informants through interviews with respondents and created in an actual interview transcription scheme, making it easier to manage research data. It is hoped that this research can make a good contribution to the village government as the recipient and manager of village funds because all of this is intended for the Kemuning Muda community. The analytical method used is a qualitative descriptive method, in the form of interview results and respondent transcripts. The results of this research show that an analysis of compliance with the effective and efficient use of village funds in understanding regulations, financial management of village funds and anticipating potential misuse of financial management reports and the commitment of the village government and village consultative bodies have a very positive influence on the quality of village reports.
Literasi Keuangan Syariah Masyarakat Desa Pulai Payung, Kecamatan Ipuh Henny Satriana; Amrizal
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i10.9339

Abstract

This study aims to analyze the sharia financial literacy of the community in Pulai Payung Village, Ipuh District, Mukomuko Regency. Although Indonesia has great potential for developing sharia finance, the level of sharia financial literacy in rural areas such as Pulai Payung Village is still relatively low. This study used a qualitative method with a case study approach, collecting data through in-depth interviews with the local community. The results show that the community's understanding of the concept of sharia finance is still very limited. Most residents only know that sharia finance does not contain usury, but do not understand other products and principles such as mudharabah, musyarakah, and ijarah. The community's level of knowledge of sharia financial products and institutions is also low, with many preferring conventional financial institutions due to easier accessibility. Skills in managing finances according to sharia principles are also still minimal, with people tending to rely on conventional or informal financial systems. These findings demonstrate the need to improve sharia financial literacy through systematic and sustainable education programs, as well as support from the government and sharia financial institutions. By improving Islamic financial literacy, it is hoped that the public will be able to make better financial decisions, avoid practices that conflict with Islamic teachings, and actively participate in a more inclusive Islamic financial system. This research is expected to serve as a reference for developing Islamic financial literacy in rural areas and strengthening the Islamic financial system in Indonesia.
Co-Authors Abd Halim Agus Nur Khomarudin Agus Salim Ahmad Darusalam Ahmad Yonanda Amril Canrhas Arbain Aris Munandar Arnomo , Sasa Ani Ashari Efendi Away, Yufrijal Azhari , Fakhri Bagus Ardeni Bakti Viyata Sundawa Bambang Eko Prayetno Beethoven Budiman Canrhas, Amril Chanafiah, Yayah CHANG, FELIX Choirul Anwar Damayanti, Fina Darmansah Darmansah, Darmansah Darmansyah Dea Gusneli Debataraja, Lisherly Reginancy Dedy Prasetyo Delifio Martha, Maulana Deny Yusmita DESI PURNAMA SARI Deswani Panggabean, Deswani Dina, Arfa Elinah Elisa, Erlin Erion Erni Juliana Al Hasanah Evi Lestaria Fadia Syaibunnisyah Muchtar Fadilla Qusnul Khotimah Fadli Fahmi Faishal Malik Fazri, AL Febrin Aulia Batubara Fransiska , Sella Gairah Sinunglingga Gallio Budianto - Harahap, M. Ari Subhan Hardi Harman, Rika Harmen HARTIKA, LIA Harun hastya, nirmala Hendra Henny Mulyati Henny Satriana Hiasa, Fina Indra Laksmana Indrayani, Vivi ISKANDAR Isnaldi Muhammad Dini Istiqamah Iwan Setiadi Iwan Subandi Jafril Khalil Jamaluddin Jingga, Trinovita Zuhara Joredina Rahuma Rahmani Julisyafika Jupriyansyah Khoirul Mu’as Khomarudin, Agus Nur Koesmawan Kusumadi Latifa Hanum Lestaria, Evi Liu, Agustian M Ikhlasul Akbar M. Ihsan Marini Anggie Putri Siregar Marsedes Purba - Martinus Miranda, Dira Ayu Monika Budiman Muamar Qadafi Mughni Sulubara, Seri Muhammad Amin Pohan Muhammad Daud Muhammad Fahrur Razi Muhammad Syahrum Alfan Mukhlis Mukhlis Murthada Nazly, Rabby Nila Sari Ningsih, Okti Rahayu Nopri Abadi Miko Novri Adhiatma Nurhayati Zein Nurtam, M Riza Nurwati Nurwijayanti Oktavia, Ganefa Parman Pranata, Agus Prayetno, Bambang Eko putri yuni kartika Rabby Nazli Rahima Munawarah Raja Ahmad, Raja Rahmat Ibnu Joyo Kusumo Rasiyem Regia Indah Kemala Sari Rina Novita Riszal, Akhmad Riva Hendriani Romy Aulia Rosiana, Arriza Avi SAIFUL ANWAR Samiran Sarinauli, Barep Sianturi, Gomgom Parluhutan Simanjuntak, Romauli Sinaga, Naga Raya situmeang, murni Sri Kembaryanti Putri Sugeng Riyadi Sukatin Sulistyo Ningsih Sumarni, Ayu Syafridha Yanti Syukriadi Tarigan, Rasdinanta Teuku Multazam Trie Hierdawati Utari, Dwi Waruwu, Mimma Ajriyah whisky Widya Febrina Widya Febrina Yanti Arnilis Yanti, Syafridha Yayat Sujatna Yazidi, Rachid El Yeni Oktaviani Yeni Oktoviani Yopie Yulius Yunita, Fitri Rahma Zainal Abidin Zainal Abidin Zamzam Mubarok Zulkifli