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All Journal Jurnal Ilmiah Ekonomi Islam Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Jurnal Organisasi Dan Manajemen Iqtishoduna: Jurnal Ekonomi Islam BASKARA: Journal of Business and Entrepreneurship Media Ekonomi Journal of Artificial Intelligence and Digital Business 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 Referensi Islamika: Jurnal Studi Islam Media Resonansi Pengabdian Masyarakat
R. Melda Maesarach
Universitas Muhammadiyah Jakarta
Religion Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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PENDIDIKAN MITIGASI KEBENCANAAN PADA MASYARAKAT MENTENG Nurlaelah; Trijeti; Maesarach, R. Melda; Khair, Otti Ilham
JP2N : Jurnal Pengembangan Dan Pengabdian Nusantara Vol. 1 No. 2 (2024): JP2N: Januari - April 2024
Publisher : Yayasan Pengembangan Dan Pemberdayaan Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62180/0f8mje03

Abstract

Mitigasi merupakan rangkaian langkah-langkah untuk mengurangi risiko bencana, yang mencakup pembangunan fisik serta upaya penyuluhan dan peningkatan keterampilan dalam menghadapi bencana. Tujuannya adalah mengurangi kerugian di masa depan, termasuk risiko kematian, cedera, dan kerugian ekonomi. Pendidikan tentang mitigasi bencana gempa bumi penting, terutama di daerah padat penduduk seperti RW 09 Kelurahan Menteng, Jakarta Pusat, untuk mengurangi risiko yang mungkin terjadi. Masyarakat perlu mengembangkan kemampuan untuk sensitivitas adaptasi bencana.  Kata Kunci: Adaptasi. Bencana, Masyarakat kota
The Effect of Product Quality, Suitability, Promotion, and Religiosity as Moderating Variables on Public Interest in Using Sharia Life Insurance in South Jakarta. Muhammad Hafizh Rizqi; R. Melda Maesarach
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : 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.
Analysis of Islamic Business Ethics on the Production Process of Dumma Official Muslim Fashion: An Ethnometodological Approach Furqon Ariawansyah; R. Melda Maesarach
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.7038

Abstract

This study aims to analyze the application of Islamic business ethics in the production process at DUMMA Official and its impact on operational efficiency, work culture, and customer loyalty. The research problem stems from the lack of empirical studies that discuss how sharia principles are not only normative but also contribute to effective and sustainable business practices. To fill this research gap, the study was conducted using a qualitative approach through in-depth interviews, observation, and analysis of company documents. The results show that the implementation of values such as honesty, justice, social responsibility, and transparency contributes positively to the company's performance. Shariah-based SOPs and flexibility in working hours for religious needs enhance operational efficiency, while transparency in reporting and the use of halal and thayyib raw materials foster customer loyalty. This study offers implications for similar companies to adopt Islamic business ethics principles, thereby creating a balance between operational success and spiritual benefits.
A Comparative Analysis of the Performance of Sharia and Conventional Equity Mutual Funds in Indonesia: A Review of Reputation, Stock Selection, and Market Timing Kavi Sulaiman; R. Melda Maesarach
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.8151

Abstract

This study examines the comparative performance of Sharia and conventional equity mutual funds in Indonesia by assessing the influence of reputation, stock selection ability, and market timing on risk-adjusted returns as measured by the Sharpe Ratio. The research is motivated by the increasing demand for Sharia-compliant investment alternatives and the growing competition with conventional financial products. The core problem addressed in this study is whether managerial strategies and reputation significantly differentiate the performance of Sharia-based funds from their conventional counterparts. The primary objectives are to analyze the effects of fund reputation, stock selection skills, and market timing on mutual fund performance and to identify whether significant differences exist between Sharia and conventional funds. This quantitative study employs a comparative and causal associative approach using secondary data from 18 mutual funds (9 Sharia and 9 conventional) over the period 2020–2024. The Sharpe Ratio was calculated to measure performance, while stock selection and market timing abilities were evaluated using the Treynor-Mazuy model. The findings reveal that conventional mutual funds outperform Sharia mutual funds in terms of risk-adjusted return. However, no statistically significant differences were observed in stock selection and market timing abilities between the two fund types. Moreover, fund reputation did not significantly influence performance in either category. These results suggest that external market factors and strategic alignment may have a greater impact than past ratings or technical timing. The study contributes to both academic and practical investment discourse, offering insights for investors and fund managers seeking to optimize performance within ethical and financial constraints.
SHARIA FINTECH PROSPECTS (P2P LENDING) ON MSME FINANCING IN INDONESIA Hartutik Hartutik; R Melda Maesarach; Jaharuddin Jaharuddin
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.6912

Abstract

This study aims to determine the business prospects of Sharia Fintech Lending in Indonesia. In practice, this research uses quantitative methods with trend analysis. The results of the study show that Islamic Fintech Lending has large and wide financing opportunities in Indonesia. This is evident from the results of research showing that the average increase in Islamic Fintech Lending financing is 45%, very high compared to the average increase in conventional bank financing of 0.68%, Islamic Bank 0.42%, Conventional Fintech Lending 11%. This means that even though Sharia Fintech Lending is in the beginner category, it has been able to attract public interest, besides the number of Indonesians who are predominantly Muslim, it is an opportunity for the development of Sharia Fintech Lending. The results of this study are expected to be able to provide a reference for policy makers and Sharia fintech business players, to be able to improve the performance of Sharia fintech lending in Indonesia. Key Word : P2P, Fintech Lending Sharia, Financing, MSME
Analisis Penerapan Sharia Governance pada Asuransi Syariah di Indonesia (Studi pada Asuransi Takaful Umum dan Asuransi Takaful Keluarga) Tamma, Fajri Azka; Maesarach, R. Melda
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.6277

Abstract

Industri asuransi syariah di Indonesia menunjukkan tren pertumbuhan yang cukup signifikan seiring meningkatnya kesadaran masyarakat terhadap keuangan berbasis prinsip Islam. Meskipun demikian, perkembangan tersebut masih dihadapkan pada berbagai tantangan, terutama rendahnya tingkat literasi masyarakat terhadap produk asuransi syariah serta kebutuhan akan penguatan tata kelola agar seluruh aktivitas operasional tetap selaras dengan prinsip syariah. Di sisi lain, kajian empiris yang mengulas penerapan Sharia Governance secara praktis masih relatif terbatas, khususnya yang menyoroti peran strategis Dewan Pengawas Syariah (DPS) dalam memastikan kepatuhan syariah perusahaan. Oleh karena itu, penelitian ini bertujuan untuk menganalisis penerapan prinsip-prinsip Sharia Governance, mengkaji peran DPS, serta mengidentifikasi tantangan implementasinya pada PT Asuransi Takaful Umum dan PT Asuransi Takaful Keluarga. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan metode studi kasus. Pemilihan informan dilakukan melalui purposive sampling dengan melibatkan empat informan kunci, yaitu Manajer Risk & Compliance dan anggota DPS dari masing-masing perusahaan. Data penelitian diperoleh melalui wawancara semi-terstruktur serta studi dokumentasi berupa laporan keuangan yang telah diaudit tahun 2024. Analisis data dilakukan menggunakan analisis tematik dengan validitas data dijaga melalui teknik triangulasi. Hasil penelitian menunjukkan bahwa prinsip Sharia Governance yang mencakup transparansi, akuntabilitas, independensi, tanggung jawab, dan keadilan telah diterapkan secara relatif konsisten. Implementasi tersebut tercermin dalam keterbukaan akad, pemisahan dana tabarru’, proses evaluasi produk, serta independensi pengawasan syariah. Namun demikian, penguatan integrasi aspek tanggung jawab sosial dalam kerangka Sharia Governance masih diperlukan agar penerapannya dapat berjalan lebih optimal dan berkelanjutan.
MAPPING SHARIA GOVERNANCE MATURITY IN INDONESIAN GENERAL TAKAFUL: AN ACTOR-NETWORK THEORY ANALYSIS OF FOUR CASES R. Melda Maesarach; Euis Amalia; Desmadi Saharuddin; Suhendra
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 1 (2026): FEBRUARY
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i1.751

Abstract

Indonesia's general takaful industry faces intensifying regulatory pressure the UU 40/2014 spin-off mandate and POJK 20 and 23/2023 capital requirements yet sharia governance maturity remains uneven across firms. This study addresses the absence of an empirical, network-based account of how governance matures across companies with different ownership structures. A qualitative multiple case study examined four full-fledged general takaful firms representing distinct ownership structures (state-owned, regional state-owned, private national, and joint venture). Nine in-depth interviews with directors, Sharia Supervisory Board (DPS) members, and senior managers were analysed using Braun and Clarke's (2006) thematic analysis integrated with Callon's (1986) four moments of translation. Maturity was scored on a five-point Likert scale across nine SGM constituents and aggregated via the Corporate Governance Maturity Index formula (Imat) of Vidal et al. (2012), with scores triangulated against annual reports, governance reports, DPS reports, and audit reports for 2019–2024. NVivo 14 supported the coding. Six cross-case themes emerged from the four cases studied. The industry-aggregate Imat reached 2.0022, situating the sample at Level 3 (Regulated/ Normalized), but three of four firms individually remained at Level 2. Within this sample the SGM network appears semi-stable with partial translation: problematisation reaches compliance but not maturity; interessement succeeds for compliance but is limited for maturity; the DPS tends to function as a constrained obligatory passage point; and certified sharia auditors, formal sharia audit frameworks, and sharia IT monitoring systems are absent across the four firms studied—missing actors that, in this sample, fragment the network. The private national pioneer (PT. C) recorded the highest maturity, inverting the institutional-pressure expectation that BUMN status would yield the highest score. Findings are bounded by the four-firm scope and Indonesia's regulatory context; transferability to life takaful or to sharia units yet to complete spin-off is not claimed. Implications include the need for a maturity-based regulatory instrument, DPS competence reforms integrating business and finance expertise, a formal sharia audit framework, and standardised sharia IT monitoring mechanisms. This is the first study to integrate Actor-Network Theory with sharia governance in Indonesian takaful and to operationalise SGM as a nine-constituent extension of Corporate Governance Maturity, contributing both methodologically and conceptually to Islamic finance scholarship.
SOSIALISASI PEMILIHAN PEMINATAN DALAM PROGRAM STUDI EKONOMI ISLAM SEBAGAI UPAYA PENGUATAN KOMPETENSI DAN ARAH KARIER MAHASISWA Adi Mansah; Siti Jamilah; Hartutik Hartutik; R Melda Maesarach; Jaharuddin Jaharuddin
Media Resonansi Pengabdian Masyarakat Vol 1, No 1 (2025): Media Resonansi Pengabdian Masyarakat
Publisher : Taksasila Edukasi Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71312/mrdimas.v1i1.243

Abstract

The selection of specialization within the Islamic Economics Study Program is a crucial stage in students' academic journey, significantly impacting their competence development and career prospects. However, many students face challenges in choosing a specialization that aligns with their interests and professional aspirations. Therefore, this community engagement initiative aims to provide a structured socialization program introducing the three available specializations: Islamic Economics, Islamic Finance and Banking, and Islamic Business. The socialization was conducted through lectures and interactive discussions, featuring faculty members as key speakers. The results indicate that students require clearer information and more intensive academic guidance in selecting their specialization. This socialization program has helped students understand the curriculum structure, course distribution, and career opportunities associated with each specialization. Based on these findings, it is recommended that periodic socialization sessions be conducted, accompanied by the development of a specialization guide and integration with internship or field study programs to enhance students' understanding of the practical applications of their academic knowledge in professional settings.Keywords: Specialization Socialization, Islamic Economics, Islamic Economics Specialization, Islamic Finance and Banking, Islamic Business, Community Engagement.
LITERASI ASURANSI SYARIAH SAAT KONGRES MUSLIMAT NAHDATUL ULAMA DI SURABAYA R Melda Maesarach
Media Resonansi Pengabdian Masyarakat Vol 1, No 1 (2025): Media Resonansi Pengabdian Masyarakat
Publisher : Taksasila Edukasi Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71312/mrdimas.v1i1.258

Abstract

Islamic financial literacy, particularly in Sharia insurance, remains relatively low in Indonesia, including among members of Muslimat Nahdlatul Ulama (NU). Sharia insurance plays a crucial role in providing financial protection based on Islamic principles, eliminating elements of gharar (uncertainty), maysir (speculation), and riba (usury), which are commonly found in conventional insurance. This community service program aimed to enhance the understanding and awareness of Muslimat NU members regarding the concepts, benefits, and mechanisms of Sharia insurance through a financial literacy lecture held as part of the 18th Muslimat NU Congress, conducted on Friday, February 14, 2025, in Surabaya, Indonesia. The program was implemented in the form of an interactive lecture, covering the fundamental differences between conventional and Sharia insurance, the principles of ta’awun (mutual assistance) and takaful (joint responsibility) in Sharia insurance, and the Indonesian National Sharia Board (DSN-MUI) fatwas on insurance and the waqf of insurance benefits. Additionally, a discussion and QA session allowed participants to clarify their understanding and explore the practical applications of Sharia insurance in their daily lives. The results of the program indicate a significant increase in participants' understanding of Sharia insurance, as many who were previously unfamiliar with the concept became aware of the importance of Sharia-based financial protection. As a follow-up, it is recommended that similar educational initiatives be conducted continuously, through collaborations between Muslimat NU, Sharia financial institutions, and regulatory bodies, while also utilizing digital platforms to expand public access to Sharia financial literacy. With improved knowledge and awareness of Sharia insurance, more Muslims will be able to access financial protection that aligns with Islamic values, contributing to the empowerment and sustainable economic development of the Muslim community.Keywords: Sharia Insurance, Financial Literacy, Muslimat NU, Community Service, Islamic Economics
Pelatihan Manajemen Keuangan Rumah Tangga Berbasis Syariah pada Guru-Guru dan Orang Tua Murid PAUD KB KASUARI, Bogor Jawa Barat Nurlaelah; R Melda Maesarach; Susi
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.v4i3.4906

Abstract

Pelatihan Manajemen Keuangan Rumah Tangga Berbasis Syariah yang dilaksanakan oleh tim dosen Universitas Muhammadiyah Jakarta dan Universitas Pamulang di PAUD KB Kasuari, Bogor, bertujuan meningkatkan literasi keuangan syariah bagi 3 guru dan 40 orang tua murid yang rentan terhadap pinjaman online ilegal. Kegiatan dilaksanakan secara terstruktur melalui survei kebutuhan, penyusunan modul, ceramah prinsip keuangan syariah, serta workshop interaktif pencatatan keuangan halal dan akad syariah. Hasil evaluasi menunjukkan tingkat kepuasan peserta sebesar 4,7 dari 5, peningkatan kemampuan pengelolaan keuangan bebas riba hingga 85%, penurunan kasus pinjol sebesar 60% dalam tiga bulan, serta terbentuknya kelompok arisan syariah mandiri yang mendukung kemandirian finansial berkelanjutan
Co-Authors Aby Fadly Adi Mansah Ahmad Fauzan Ahmad Rodoni Ali Amin, Irsyad Dedi Zulkarnain Deni Tri Atmaja Desmadi Saharuddin Dwi Nita Aryani Dwi Nita Aryani Euis Amalia Furqon Ariawansyah Hartutik Hartutik Hartutik Hartutik Ilham Suhada Isfandayani M.Si. Isna Putri Adilah Jaharuddin Jaharuddin Jaharuddin Jaharuddin Jaharuddin, Jaharuddin Kavi Sulaiman Khair, Otti Ilham MUHAMMAD FAHMI Muhammad Hafizh Rizqi Nur Azlina Nurlaelah Nurlaelah Rosnia Masruki Said, Muhammad Siti Jamilah Suhendra Susi Susi Tamma, Fajri Azka Tri Mulato Trijeti