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All Journal SPEKTA (Jurnal Pengabdian Kepada Masyarakat : Teknologi dan Aplikasi) Ijtimā`iyya: Journal of Muslim Society Research Journal of Accounting Research, Organization and Economics (JAROE)
Maamor, Selamah
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Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Energy Environmental Science Industrial & Manufacturing Engineering Materials Science & Nanotechnology Social Sciences

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Multidimensional Trust in Halal Logo of Food Products : A Study in Local Cultural Context Kusumastuti, Dani; Raharja, Mahardhika Cipta; Maamor, Selamah; Yulian, Tri Nurindahyanti
Ijtimā iyya Journal of Muslim Society Research Vol. 9 No. 1 (2024)
Publisher : Postgraduate, State Islamic University Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ijtimaiyya.v9i1.10740

Abstract

Trust is a multidimensional concept that varies across cultures and societies. Understanding consumers' trust is essential to increase awareness of the halal logo. This study aims to examine the trust dimensions of the halal logo in the Penginyongan cultural region. Confirmatory factor analysis was employed to analyze data from a sample of 139 Muslims residing in the Penginyongan cultural area, which encompasses the regencies of Banjarnegara, Purbalingga, Banyumas, Cilacap, and Kebumen. The results show that spiritual, cognitive, and affective factors significantly influence trust in the halal logo on food and beverage products. Affective aspects have demonstrated the highest loading factor value, suggesting that affective approach must be prioritized in building trust in halal logo. This can be achieved by creating emotional branding and excellent service as the key to long-term consumer commitment to the halal logo. This study has broadened the understanding of trust in the halal logo in a particular culture and expanded the concept of trust by including the spiritual dimension as an important factor in enhancing trust.
International Community Service Program: Enhancing Islamic Financial Literacy in Thai Islamic Boarding Schools Fadhilah, Nurul; Nur, Ahmad; Maamor, Selamah; Nuryadin, M. Birusman Nuryadin; Tikawati, Tikawati; Ramah, Fitria; Yanti, Dharma; Parlina , Tika
SPEKTA (Jurnal Pengabdian Kepada Masyarakat : Teknologi dan Aplikasi) Vol. 5 No. 2 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/spekta.v5i2.11647

Abstract

Background: Samakisast Wittaya School is an Islamic educational institution that inherently integrates Islamic values in its curriculum. This Islamic boarding school not only aims to educate students in religious aspects but also in academic and practical aspects of life, including finance. In Thailand, the Muslim population, particularly in the Sadao region, has limited access to financial education that complies with sharia principles. Introducing sharia financial literacy in Islamic schools such as Samakisast Wittaya School can help overcome this gap. Although Thailand has several Islamic financial institutions, the dissemination of information and understanding about these products and services is still limited, especially among Muslim communities in remote or minority areas. Contribution: Increasing sharia financial literacy can help students and surrounding communities become more economically independent, opening up opportunities for entrepreneurship in accordance with sharia law. The importance of sharia financial literacy in Islamic educational institutions such as the Samakisast Wittaya School in Sadao, Thailand, is very significant in helping the development of the community as a whole. Method: The implementation method is through counseling accompanied by interactive discussions. The target is the students of Samakisasst Wittaya School, Sadao, Thailand, totaling 60 students. The problem that arose during the discussion was the issue of the financial attitudes and behavior of students who did not understand correct financial planning, and did not understand the priority scale of primary, secondary and tertiary needs. Results: The team provides solutions regarding the correct meaning of wealth, saving discipline, and the need to make correct financial planning to achieve individual financial resilience. Conclusion: Community service has opened students' thinking and awareness of the importance of students' financial literacy.
An Analysis of the Financial Performance of Credit Cooperatives in Malaysia Safiyuddin, Fatin Syazwani; Abd Wahab, Norazlina; Maamor, Selamah
Journal of Accounting Research, Organization and Economics Vol 4, No 2 (2021): JAROE Vol. 4 No. 2 August 2021
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jaroe.v4i2.20548

Abstract

Objective The aim of this study is to assess the financial performance of credit cooperatives in Malaysia.Design/methodology This study utilizes the unpublished financial data of credit cooperatives from the Malaysian Cooperative Commission. This study picks 9 credit cooperatives which serially listed in 100 best cooperatives from 2010 to 2017. Five basic financial ratios (equity ratio, liquidity ratio, leverage ratio, profitability ratio, and dividend payout ratio) were calculated to measure the financial performance.Results The result shows that the equity ratio is in the range of 0.61 to 0.9 possibly because credit cooperatives utilize more funding from shareholder equity compared to debt. The result also shows a high dividend pay-out ratio. However, the liquidity ratio is still low and credit cooperatives that score the highest liquidity ratio might be due to the age of establishment. Last but not least, the leverage ratios and profitability ratios of Malaysian credit cooperatives should be improved by increasing the profitability and restructuring debt.Research limitations/Implication The availability of the data as there are other credit cooperatives listed in the top 100 cooperatives from 2010 to 2017 but could not be analyzed because important data such as total investment, loans, equity, dividends are not available.Novelty/Originality The empirical application of ratio analysis to identify the financial performance facilitates a novel investigation of credit cooperatives performance by placing emphasis on the equity, liquidity, leverage, profitability, and dividend payout of credit cooperatives with various degrees of performance.
Co-Authors Abd Wahab, Norazlina Dani Kusumastuti Kusumastuti Nur, Ahmad Nurul Fadhilah Nuryadin, M. Birusman Nuryadin Parlina , Tika Raharja, Mahardhika Cipta Ramah, Fitria Safiyuddin, Fatin Syazwani Tikawati Tikawati, Tikawati Yanti, Dharma Yulian, Tri Nurindahyanti