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All Journal Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Jurnal Organisasi Dan Manajemen Iqtishoduna: Jurnal Ekonomi Islam BASKARA: Journal of Business and Entrepreneurship Media Ekonomi IIJSE Jurnal Pengabdian Masyarakat dan Riset Pendidikan Media Riset Bisnis Ekonomi Sains dan Terapan JP2N: Jurnal Pengembangan Dan Pengabdian Nusantara Taraadin : Jurnal Ekonomi dan Bisnis Islam
R. Melda Maesarach
Universitas Muhammadiyah Jakarta
Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Islamic Economic Methodology Aproach to Achieve Economic Equity: Epistemological Study Nur Azlina; R. Melda Maesarach; Muhammad Said
BASKARA : Journal of Business and Entrepreneurship Vol 4, No 2 (2022): Baskara: Journal of Business and Entrepreneurship
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54268/baskara.4.2.28-39

Abstract

Economic policies based on capitalism and socialism have proven to have failed to create a just economy. As a result of adhering to capitalist and socialist ideologies, macroeconomic imbalances and national instability occur. The welfare and prosperity of the people does not depend on production alone, but also on its proper distribution. Wealth in a country can be produced in large quantities, but if its distribution is not based on true and fair principles, then the country will not be able to achieve prosperity. This article aims to find out how the methodology of Islamic economics realizes equity and falah. This research uses descriptive qualitative research method with a literature review approach. Data collection techniques, with literature, from several sources obtained that are relevant to the theme. Books, journals, websites, and others. The data analysis technique is descriptive qualitative, describing the study of Islamic economic epistemology that can help realize economic equity. The results in this study BMT is a financial institutional system that is able to reform the conventional economic system and bring economic justice and equitable distribution with practical provisions through syar'i arrangements in collecting and distributing through wadi'ah, mudharabah, musyarakah, murabahah, salam, istishna transactions. , ijarah, and qardh. The implementation of Islamic social finance in Indonesia can be seen through the existence of various financial institutions that provide financial services by involving Islamic social funds such as Baznas (National Amil Zakat Agency), BWI (Indonesian Waqf Board) and other institutions with the aim of embracing the middle, small, and medium-sized micro communities.
Dampak Penerapan PSAK 108 Pada Strategi Meningkatkan Solvabilitas Perusahaan Asuransi Syariah (Study kasus di PT. Asuransi Takaful Umum) R. Melda Maesarach
BASKARA : Journal of Business and Entrepreneurship Vol 2, No 1 (2019): Baskara: Journal of Business and Entrepreneurship
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (676.685 KB) | DOI: 10.54268/baskara.2.1.21-44

Abstract

Perkembangan perusahaan asuransi syariah saat ini harus pula disertai dengan perkembangan penerapan perlakuan transaksi akuntansi sesuai dengan aturan yang berlaku. Hal ini menjadi sangat vital, karena pada industri seperti asuransi syariah adalah proses membangun kepercayaan masyarakat yang mana dapat menjadi kunci sukses dalam pengembangan asurasni syariah ke depan. Sehingga asuransi syariah harus dapat menyajikan informasi yang cukup, dapat dipercaya dan relevan serta transparansi laporan keuangan yang sesuai dengan syariah menjadi syarat utama dalam membangun kepercayan tersebut. Dengan diberlakukannya penerapan PSAK (Pernyataan Standar Akuntansi Keuangan) no. 108 oleh Ikatan Akuntan Indoneisa yang mengatur tentang Transaksi Akuntansi Asuransi Syariah, entitas Asuransi Syariah harus memisahkan pencatatan Dana Peserta dan Dana Perusahaan. Sehingga dampaknya Perusahaan Asuransi harus menghitung tingkat Kesehatan Keuangan/solvabilitas  hanya dari dana peserta/dana tabarru’ sedangkan dana pengelola akan diukur kesehatannya dalam kemampuannya memberikan qardh jika dana tabarru’ mengalami defisit. Hal ini selaras dengan Peraturan Menteri Keuangan No.11/PMK.010/2011 tentang Kesehatan Keuangan Usaha Asuransi dan Usaha Reasuransi dengan Prinsip Syariah. Dalam peraturan tersebut, perusahaan asuransi umum syariah harus melakukan dan menjaga kesehatan keuangan  dalam hal tingkat dana tabarru' sesuai ketentuan minimum tingkat solvabilitas yang persyaratkan dari dana yang diperlukan untuk mengantisipasi risiko kerugian yang mungkin timbul sebagai akibat dari deviasi dalam pengelolaan kekayaan dan/kewajiban. Untuk memenuhi ketentuan tersebut industri Asuransi harus memiliki strategi dalam menjaga dan menaikan solvabilitas tabarru’ tersebut. Dengan terpenuhinya solvabilitas minimum tersebut perusahaan asuransi akan mendapat kepercayaan dari peserta bahwa dana tabarru’ mampu dalam memenuhi semua risiko kerugian peserta yang mungkin terjadi. 
Sukuk Linked Wakaf For MSME Develpoment R. Melda Maesarach; Tri Mulato; Ahmad Rodoni
BASKARA : Journal of Business and Entrepreneurship Vol 5, No 1 (2022): Baskara: Journal of Business and Entrepreneurship
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54268/baskara.5.1.95-107

Abstract

The existing Sharia investment products are incorrect; the other is a state sukuk product. Aside from receiving returns on state sukuk, investors can also contribute to the country's development. Because the development of sukuk products is channeled to the actual sector, particularly for MSME (Micro, Small Maedium Enterprise) actors, Islamic financial institutions must play a role in carrying out the process of developing and aiding MSMEs. If many state sukuk products were previously allocated for infrastructure development, there needs to be an allocation for economic recovery through MSMEs under the current situations. The goal of this research is to assess the growth of state sukuk and the form of sukuk product development through state CWLS for the development of MSMEs. This is a qualitative study that examines the state sukuk market and the MSME sector. Secondary data was used, including information from the Ministry of Finance's Directorate General of Financing and Risk Management (DJPPR). The data analysis technique employed is descriptive qualitative, which depicts the evolution of state sukuk from 2019 to 2020, as well as forms of innovation for state sukuk goods designed specifically for MSMEs recovering from the covid-19 outbreak. PBS Auction Sukuk, PBS Private Placement Sukuk, SNI, SPN-S, Rite Sukuk (SR), and Savings Sukuk (ST) grew by 40.80% from 2019 to 2020, according to the findings of this study. Sukuk auctions at PBS increased by 39.59 percent, PBS Private Placement Sukuk increased by 214.39 percent, SR increased by 72.93 percent, and SNI Sukuk increased by 26.86 percent. In the meantime, SNI Sukuk fell by -30.01 percent, and ST fell by -35.76 percent. Providing business capital through Nazhir with a profit-sharing scheme, business assistance schemes, and maximizing the types of Waqf sukuk distributed to the productive sector are all schemes that can be implemented in developing MSMEs through the CWLS sukuk.
AKAD SALAM DAN PROBLEMATIKANYA DI PERBANKAN SYARIAH, PENDEKATAN KRITIS Jaharuddin Jaharuddin; R Melda Maesarach
Media Ekonomi Vol. 29 No. 2 (2021): Oktober
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (503.006 KB) | DOI: 10.25105/me.v29i2.10135

Abstract

The purpose of this study is to analyze the application of the salam contract, its development, find problems and provide alternative solutions so that the salam contract can be applied in Indonesian Islamic banking. Research method This research is qualitative research with a critical approach. The results of this study are (1). Salam contract can be applied in Islamic banking in Indonesia and provides benefits as working capital for farmers, fishermen, and MSMEs. Salam contract should be encouraged to be implemented. (2). Salam contract is not implemented in national sharia banking, thus the partiality of sharia banking to farmers, fishermen, and MSMEs, is still not visible. (3). The solution for implementing salam contracts in national Islamic banking is by (a). philosophical re-orientation, namely the re-orientation of the objectives and business model of Islamic banks that are different from conventional banks. (b). Carry out positive law reforms by sharia in Indonesia (shari'a-based omnibus law). (c). Operational technical adjustments, HR literacy, community literacy, and risk management are based on a philosophical re-orientation and strategic reform. And d). The political will of the government, the DPR, and the Indonesian and international community
Exploring Intention in Using Quick Response Code Indonesian Standard: Technology Acceptance Model Approach Hartutik Hartutik; Dwi Nita Aryani; R. Melda Maesarach; Rosnia Masruki; Ahmad Fauzan
Jurnal Organisasi dan Manajemen Vol. 20 No. 1 (2024)
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/jom.v20i1.6805.2024

Abstract

Purpose - This research examines the influence of people's intention to use QRIS by taking variables from the Technology Acceptance Model (TAM), namely perceived usefulness, perceived ease of use, perceived trust, attitude towards usage of QRIS and behavioral intention to use QRIS. Methodology - This research method uses a quantitative approach with a sampling technique chosen through purposive sampling. Data collection was carried out by distributing questionnaires to QRIS users. Data analysis employed SmartPLS version 4 with a sample size of 100 respondents. Findings - The results show a positive relationship but not a significant effect between perceived usefulness and perceived ease of use on behavioral intention to use QRIS. Meanwhile, perceived trust and attitude towards usage of QRIS exhibited a positive relationship and had a significant effect. Originality – Trust is an influential variable and plays a significant role in using a technology such as QRIS.
MANAGEMENT AND FINANCIAL MANAGEMENT SYSTEM OF BOARDING SCHOOLS (Study at Pondok Pesantren La Tansa 2 Lebak-Banten) Deni Tri Atmaja; R Melda Maesarach; Jaharuddin Jaharuddin; Dedi Zulkarnain
Media Riset Bisnis Ekonomi Sains dan Terapan Vol 1, No 1 (2023): Media Riset Bisnis Ekonomi Sains dan Terapan
Publisher : Taksasila Edukasi Insani

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

Abstract

The purpose of the study was to determine the description of pesantren financial management. This research uses a qualitative method. Financial management of boarding schools is one of the management substances of educational institutions that will help determine the smooth running of boarding school activities. As is the case with the substance of education management in general, the financial management activities of the la tansa 2 boarding school are carried out through the process of planning, directing, coordinating, supervising or controlling. Some financial management activities are in the form of activities to obtain and determine funding sources, utilization of funds, reporting, inspection and accountability. Through financial management activities, the funding needs of boarding school activities can be planned, procured, recorded transparently, and used to finance the implementation of boarding school programs effectively and efficiently. The results of the study explain that financial management is an act of financial management / administration which includes recording, planning, implementing, accountability and reporting. Thus, school financial management can be interpreted as a series of activities to manage school finances starting from planning, bookkeeping, spending, monitoring and accountability of school finances.Keywords: Management, Finance, and Pesantren
Analisis Prospek investasi Saham Syariah yang Konsisten di JII dalam 10 tahun terakhir (risk and return) Hartutik Hartutik; Siti Jamilah; Melda Maesarach; Aby Fadly
Taraadin : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2023): Taraadin : Jurnal Ekonomi dan Bisnis Islam
Publisher : FEB Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/trd.4.1.%p

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui bagaimana prospek investasi saham syariah yang konsisten dalam 10 tahun terakhir di JII di beberapa tahun kedepan dilihat dari risk n returnya. Subjek penelitian adalah Saham Syariah yang listing di JII, Objek penelitian adalah Return dan risiko saham syariah. Populasi adalah 30 saham syariah di JII, sampel adalah 7 saham syariah yang mampu konsisten di JII dalam 10 tahun terakhir. Data yang diperoleh dianalisis dengan metode kuantitatif deskriptif, pendekatan upward atau downward trend. hasil penelitian disimpulkan emiten yang masuk dalam kategori konsisten selama 10 tahun terakhir dari 30 emiten saham JII yaitu dengan kode saham ADRO, AKRA, ICBP, KLBF, TLKM, UNTR dan UNVR. konsisten dalam 10 tahun terakhir namanya tidak pernah keluar dari indeks saham syariah Dari ke empat aspek keuangan tersebut dapat disimpulkan bahwa emiten yang nilai perusahaan nya dikatakan baik pada emiten dengan kode saham TLKM. Hal ini dilihat dari grafik –grafik di atas yang mempunyai garis stabil di setiap tahunnya, artinya perusahaan dapat mengelola dananya dengan baik dan lancar serta tidak mengalami penurunan yang dratis. Serta melihat dari sisi dividen pershare TLKM disimpulkan perusahaan tersebut membagikan dividen yang besar di setiap tahunnya dan relatif tidak turun.
PENGARUH LITERASI KEUANGAN, MOTIVASI, DAN RELIGIUSITAS ISLAM TERHADAP MINAT INVESTASI GENERASI Z PADA REKSADANA SYARIAH Ilham Suhada; R. Melda Maesarach
Taraadin : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 2 (2024): Taraadin : Jurnal Ekonomi dan Bisnis Islam
Publisher : FEB Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/trd.4.2.%p

Abstract

ini berjudul “Pengaruh Literasi Keuangan, Motivasi Investasi, dan Religiusitas Islam terhadap Minat Berinvestasi Generasi Z Di Kecamatan Bojonggede Pada Reksadana Syariah”. Tujuan penelitian ini untuk mengetahui bagaimana Pengaruh Literasi Keuangan, Motivasi Investasi, dan Religiusitas Islam terhadap Minat Berinvestasi Generasi Z Di Kecamatan Bojonggede Pada Reksadana Syariah. Pada penelitian ini menggunakan metode kuantitatif deskriptif. Pengelolaan data ini dilakukan dengan cara menggunakan Purposive sampling. Sampel yang digunakan adalah generasi Z yang berada dalam wilayah Kecamatan Bojonggede. Penggunaan skala likert digunakan pada kuesioner untuk memperoleh data. Teknik analisis yang dipakai pada penelitian ini adalah Partial Least Square (PLS) dan data diolah menggunakan software SmartPLS. Hasil dari penelitian yang sudah dilakukan mengenai pengaruh literasi keuangan, Motivasi Investasi, dan Religiusitas Islam terhadap minat investasi Generasi Z pada reksadana syariah di kecamatan bojonggede, Literasi keuangan, Motivasi investasi dan Religiusitas islam berpengaruh positif dan signifikan terhadap minat Investasi pada Reksadana Syariah di Kecamatan Bojonggede
The Effect of Product Quality, Suitability, Promotion, and Religiosity as Moderating Variables on Public Interest in Using Sharia Life Insurance in South Jakarta. Rizqi, Muhammad Hafizh; Maesarach, R. Melda
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6879

Abstract

This study examines the influence of product quality, suitability, and promotion on public interest in using Sharia life insurance in South Jakarta, with religiosity as a moderating variable. Employing a quantitative approach, data were collected from 104 respondents through an online questionnaire and analyzed using Structural Equation Modelling-Partial Least Squares (SEM-PLS). the results indicate that promotion is the most dominant factor influencing public interest and religiosity, emphasizing the need for effective promotional strategies. Product quality and suitability also positively impact public interest, while religiosity does not significantly moderate these relationships. Instead, religiosity plays an indirect and contextual role, depending on its interaction with other variables. The validity and reliability tests confirm the robustness of the measurement model, ensuring the credibility of findings. However, the insignificant effect of religiosity on public interest suggests the need for further exploration of its moderating role. This study highlights the crucial role of promotion in driving public interest, while religiosity requires deeper examination in future research.
Edukasi Literasi Keuangan Agar Terhindar dari Pinjol bagi Para Guru di PAUD KB KASUARI, Bogor, Jawa Barat: Pengabdian Nurlaelah; R Melda Maesarach; Susi
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 1 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 1 (Juli 2025 -
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i1.1695

Abstract

Perkembangan teknologi saat ini, memberikan dampak di berbagai industri, termasuk industri keuangan. Salah satu fasilitas yang bisa digunakan adalah pinjaman online (pinjol), yang bisa didapatkan secara online, dengan system dan persyaratan yang mudah. Pinjol semakin digemari oleh berbagai kalangan, karena hanya dengan menggunakan aplikasi Website, kita bisa memanfaatkan pinjol, dan uang akan segera terkirim ke rekening kita.Namun sangat disayangkan, masih banyak masyarakat yang tidak berhati-hati untuk mengajukan pinjaman online ini, sehingga terlibat kasus penipuan yang membuat dana peminjamnya dibawa kabur oleh fintech (penyedia jasa pinjol) illegal. Atau bagi masyarakat awam, mereka tidak membaca terlebih dahulu persyaratan yang ada, sehingga mereka dikenakan bunga yang berlipat ganda untuk pembayarannya. Data OJK menyebutkan bahwa kasus pinjol ini banyak melibatkan guru-guru, yang notabene pendidik putra-putra bangsa. Oleh sebab itulah, edukasi literasi keuangan ini penting dilakukan, agar para guru dan sekaligus orang tua murid, memahami tentang pentingnya mengelola keuangan dan menghindari pinjol untuk rumah tangga mereka.
Co-Authors Aby Fadly Adilah, Isna Putri Ahmad Fauzan Ahmad Rodoni Ali Amin, Irsyad Ariawansyah, Furqon Dedi Zulkarnain Deni Tri Atmaja Dwi Nita Aryani Hartutik Hartutik Ilham Suhada Isfandayani Jaharuddin Jaharuddin Jaharuddin, Jaharuddin Khair, Otti Ilham MUHAMMAD FAHMI Nur Azlina Nurlaelah Rizqi, Muhammad Hafizh Rosnia Masruki Said, Muhammad Siti Jamilah Siti Jamilah Sulaiman, Kavi Susi Tri Mulato Trijeti