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All Journal Jurnal MD J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal Samudra Ekonomi dan Bisnis Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Jurnal Bisnis Dan Kajian Strategi Manajemen Tasharruf: Journal Economics and Business of Islam Jurnal Pengabdian Masyarakat Bumi Raflesia Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Bidayah: Studi Ilmu-Ilmu Keislaman Ihtiyath : Jurnal Manajemen Keuangan Syariah AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Humanism : Jurnal Pengabdian Masyarakat Al Mashaadir : Jurnal Ilmu Syariah Jurnal Pengabdian dan Peningkatan Mutu Masyarakat (JANAYU) JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS Jurnal Iqtisaduna Share: Jurnal Ekonomi dan Keuangan Islam Al-Buhuts (e-journal) Jurnal Ekonomi dan Bisnis Islam (JEBI) Jurnal Ekonomika dan Bisnis Islam JIEPS: Jurnal Ilmiah Ekonomi Islam dan Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh Cakrawala: Jurnal Studi Islam QULUBANA: Jurnal Manajemen Dakwah Asian Journal of Community Services (AJCS) International Journal of Community Service (IJCS) EKOBIS SYARIAH Eastasouth Journal of Effective Community Services el hisbah: Journal of Islamic Economic Law AT-TIJARAH: Journal Islamic Banking and Finance Research Sharia Economic and Management Business Journal (SEMBJ) PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) International Journal of Kita Kreatif Jurnal Pengabdian Bakti Akademisi Risalah Iqtisadiyah: Journal of Sharia Economics Jurnal Simki Economic
Umuri, Khairil
Universitas Syiah Kuala, Banda Aceh, Indonesia
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Sharia-Based Family Financial Management Training in Aceh Jaya Regency Riyaldi, Muhammad Haris; Umuri, Khairil; Sartiyah, Sartiyah; Syahrizal, Teuku Muhammad; Sitepu, Novi Indriyani; Nurlina, Eka; Nurdin, Ridwan; Syahriyal, Syahriyal; ZT, Fitrah Afandi; Sari, Nurma
Jurnal Pengabdian Bakti Akademisi Vol 1, No 1 (2024): Jurnal Pengabdian Bakti Akademisi
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jpba.v1i1.37620

Abstract

This community service aims to provide Sharia-based family finance socialization for women in Aceh Jaya Regency, Aceh. This activity was motivated by the low literacy level regarding Sharia-based family financial management in Aceh Province, especially among women. So, the service activities aim to increase understanding of Sharia-based family financial management, especially among women in Aceh Jaya Regency, Aceh Province. Service activities include preparation for activities, implementation of activities, and evaluation of activities. Implementing activities are planned in coordination with the Dinas Pemberdayaan Masyarakat, Perempuan, dan Keluarga Berencana (DPMPKB) Aceh Jaya regarding availability, location, and activity participants. Activities were carried out involving women in Aceh Jaya Regency, Aceh. The Sharia-based family financial management material is delivered through discussions and questions and answers. Evaluation of the implementation of service activities is reflected in the presence and enthusiasm of participants in listening to the material presented. Community service activities provide positive results by increasing participants' understanding of Sharia-based family financial management.
PEMANFAATAN DANA ZAKAT PRODUKTIF DAN DAMPAKNYA TERHADAP PENDAPATAN MUSTAHIK Umuri, Khairil
BIDAYAH: STUDI ILMU-ILMU KEISLAMAN Vol. 14, No. 1, ( Juni 2023)
Publisher : Sekolah Tinggi Agama Islam Negeri (STAIN) Teungku Dirundeng Meulaboh Aceh Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/bidayah.v14i1.1257

Abstract

Zakat plays a role in realizing socio-economic justice and poverty alleviation through job creation and entrepreneurial opportunities. Zakat given to mustahik will support their economic improvement if it is channeled to productive activities. One area of ​​productive zakat utilization is business capital assistance. The purpose of this study was to determine the impact of the use of productive zakat funds by Baitul Mal in Banda Aceh City on the income level of mustahik in Banda Aceh City. This research uses descriptive qualitative method. The results showed that the venture capital assistance program managed by Baitul Mal had no impact on the mustahik's income level. This is due to several things, namely mustahik's not being able to develop their business optimally, lack of supervision and assistance for mustahik's businesses, and declining sales during this pandemic. Therefore, comprehensive support is needed from various parties such as the government, the community and other institutions that support poverty alleviation programs).
Workshop on the Emergence of Agentic AI in Financial Technology and Entrepreneurship Development Lubis, Muharman; Halim, Hendra; Khairi, Fitrah; Syahrizal, Teuku Muhammad; Umuri, Khairil; Fonna, Rizki Putri Nurita; DM, Burhanis Sulthan; Siregar, Fachrul A; Sari, Nurma; Farid, Farid
Jurnal Pengabdian Bakti Akademisi Vol 2, No 2 (2025): Jurnal Pengabdian Bakti Akademisi
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jpba.v2i2.45908

Abstract

The rapid development of Agentic Artificial Intelligence (AI) and blockchain technology has transformed the global financial and entrepreneurial landscape, posing both opportunities and challenges for young entrepreneurs. This community service activity aimed to enhance the digital literacy and innovation capacity of 100 student entrepreneurs from Universitas Syiah Kuala by introducing practical applications of Agentic AI in financial technology and business development. The activity was conducted in the form of an online workshop, utilizing a service-learning approach, and facilitated by an expert in information systems. The program included knowledge transfer, case studies, and interactive discussions on the implementation of Agentic AI in business decision-making, financial automation, and digital trust. The results showed significant improvement in participants understanding and readiness to adopt such technologies, with marked increases in awareness, interest, and motivation toward innovation. This activity demonstrates an effective model for supporting inclusive entrepreneurship and accelerating the achievement of sustainable development goals through technological empowerment.
Enhancing Cooperative Member Loyalty: The Nexus of Service Quality, Institutional Image, and Governance Nurdin, Ridwan; Umuri, Khairil; Riyaldi, Muhammad Haris
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 14 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v14i1.22446

Abstract

Cooperatives play a crucial role in driving economic development in Indonesia. However, increasing competition from financial institutions has made member loyalty a key factor in ensuring cooperative sustainability. Baitul Qiradh Baburrayyan Cooperative, (KBQ Baburrayyan) a leading coffee-exporting cooperative in Aceh Tengah Regency, Indonesia, faces these challenges while striving to maintain strong member engagement. This study explores the strategies implemented by KBQ Baburrayyan to sustain member loyalty using a qualitative approach with descriptive analysis. The findings reveal that the cooperative enhances service quality through improved coordination and collaboration between management and members. Additionally, strong governance and member-oriented business practices empower members by addressing their economic needs. The cooperative also maintains a positive institutional image, fostering trust among members and stakeholders. This study highlights that service quality, governance, and institutional reputation are essential factors in sustaining long-term member loyalty in cooperatives.======================================================================================================== ABSTRAK - Meningkatkan Loyalitas Anggota Koperasi: Hubungan antara Kualitas Pelayanan, Citra Organisasi, dan Tatakelola. Koperasi memiliki peran penting dalam mendorong perkembangan ekonomi di Indonesia. Dalam menghadapi persaingan dengan lembaga keuangan lainnya, mempertahankan loyalitas anggota menjadi faktor kunci dalam menjaga keberlanjutan koperasi. Koperasi Baitul Qiradh (KBQ) Baburrayyan, sebagai koperasi eksportir kopi terkemuka di Kabupaten Aceh Tengah, juga menghadapi tantangan untuk mempertahankan loyalitas anggotanya. Penelitian ini mengeksplorasi strategi yang diterapkan KBQ Baburrayyan dalam mempertahankan loyalitas anggota dengan menggunakan pendekatan kualitatif dan analisis deskriptif. Hasil penelitian menemukan bahwa dalam mempertahankan loyalitas anggota, KBQ Baburrayyan melakukan beberapa strategi, yaitu menjaga kualitas pelayanan dengan meningkatkan koordinasi dan kerjasama yang baik antar pengurus dan anggota. Selain itu, koperasi juga menjalankan tata kelola dan bisnis yang berorientasi pada pemberdayaan anggota, sehingga anggota dapat memenuhi kebutuhan hidup mereka dengan baik. Koperasi juga berupaya menjaga citra sehingga senantiasa dipandang baik oleh anggota dan stakeholder lainnya. Hasil penelitian ini menunjukkan bahwa untuk menjaga loyalitas anggota, koperasi harus senantiasa menjaga kualitas pelayanan, tata kelola dan citra dengan baik. 
Analysis of Islamic Business Ethics among Traders in the Al-Mahirah Traditional Market, Banda Aceh Muliadi, Muhammad Yani; Umuri, Khairil; Ginting, Ledy Mahara; Amri, Khoirul
International Journal of Kita Kreatif Vol 2, No 2 (2025): International Journals Kita Kreatif Vol.2 No. 2 Mei 2025
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/ijkk.v2i2.46200

Abstract

Traders in traditional markets often exhibit behaviors that contradict Islamic business ethics. Therefore, the actions of such traders are influenced by Islamic business ethics. This study focuses on how traders understand these ethics and behave based on them. This study employed a qualitative methodology. A purposive sampling technique was used to select informants. Respondents were selected based on factors relevant to the research objectives. The data collection methods were interview, observation, and documentation. The results show that traders' perceptions of Islamic business ethics are evident in their trading practices. They know how to trade in accordance with these ethics. Additionally, the majority of traders in the market have applied Islamic business ethics. Traders use the five principles of Islamic business ethics: tawhid, balance, free will, responsibility, and ihsan. However, some traders do not follow these ethics. Examples include not praying at the time of entry, treating buyers differently, and selling poor-quality goods.
The Influence Of Religiosity, Income, Zakat Literacy, And Socialization On The Interest In Paying Zakat: A Case Study Of Baitul Mal In Banda Aceh City Dewi, Ratna; Nurlina, Eka; Umuri, Khairil
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 1 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i1.6015

Abstract

This research aims to determine the influence of religiousness, income, zakat literacy, and socialization on people's interest in paying zakat at Baitul Mal, Banda Aceh City. The data used is primary data using a questionnaire technique which was distributed to 100 respondents, people who have KTPs in Banda Aceh. The number of variables studied was 5 (five), namely religiosity, income, zakat literacy, and socialization as independent variables and the variable interest in paying zakat as the dependent variable. The approach used in this research is a quantitative approach. The sampling method used is probability sampling with cluster random sampling technique. The method used is multiple linear regression analysis. Based on the results of this study, it was found that religiosity has a positive and significant effect on interest in paying zakat, income has a positive and significant effect on interest in paying zakat, zakat literacy has a positive and significant effect on interest in paying zakat, socialization has a positive and significant effect on interest in paying zakat, religiosity, income, zakat literacy and socialization simultaneously influence the intention to pay zakat.
DETERMINAN MINAT NASABAH MENGGUNAKAN PRODUK PEGADAIAN SYARIAH Auliani, Auliani; Umuri, Khairil
Jurnal Ekonomi & Perbankan Syariah Vol 2, No 2,November (2022): JEIPS: Jurnal Ekonomi Islam dan Perbankan Syariah
Publisher : Prodi Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37598/jeips.v2i2,November.1457

Abstract

Pegadaian syariah mempunyai peran yang sangat penting dalam membantu UMKM mengenai permasalahan permodalan. Penelitian ini berusaha mengkaji pengaruh harga, pomosi, dan kualitas produk terhadap minat nasabah memanfatkan produk Arrum BPKB di Kantor Pusat Pegadaian Syariah Kota Banda Aceh. Instrumen survei dengan menggunakan kuesioner merupakan perangkat yang digunakan pada penelitianini. Populasi penelitian merupakan nasabah yang menggunakan produk Arrum BPKN dengan jumlah sampel sebanyak 109 nasabah.Hasil yang diperoleh dengan menggunakan Regresi Linier Berganda yaitu terdapatpengaruh signifikan harga, promosi dan kualitas produk terhadap minat nasabah menggunakan produk Arrum BPKB. Pegadaian syariah harus memperhatikan harga, promosi, dan kualitas produk yang ditawarkan agar semakin menarik minat masyarakat menggunakan produk tersebut.
Does Religiosity Influence the Relationship Between Sharia Governance and Member Loyalty in Islamic Cooperatives? Umuri, Khairil; Halim, Hendra; Farma, Junia; Indah, Cahyani Rahmitha
Tasharruf: Journal Economics and Business of Islam Vol 10, No 1 (2025): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i1.3576

Abstract

Sharia cooperatives play a pivotal role in advancing Islamic economic development by offering financial services aligned with Islamic principles. Nonetheless, sustaining member loyalty remains a significant challenge. This study investigates the impact of Sharia governance on member loyalty within Sharia cooperatives in Banda Aceh City and examines the moderating role of religiosity in this relationship. Employing an explanatory research design, primary data were collected through questionnaires distributed to 200 purposively selected respondents. The data were analyzed using moderated regression analysis to test the proposed hypotheses. The findings reveal that Sharia governance exerts a positive and significant influence on member loyalty. However, religiosity was found to weaken this relationship, indicating that members with higher levels of religiosity tend to rely more on personal beliefs than institutional governance when forming loyalty. These results suggest that member engagement strategies should not only focus on structural and governance compliance but also incorporate the diverse religious values held by cooperative members. The study offers practical implications for enhancing loyalty in faith-based financial institutions. Limitations include the cross-sectional nature of the data and its geographic restriction to a single region, which may affect the generalizability of the results. Future research is encouraged to include broader contexts and longitudinal data.
Analysis of Sharia Financial Literacy, Self-Control, and Deliberative Thinking on the Financial Behavior of MSMEs in Banda Aceh City Siregar, Muhammad Rendhie; Umuri, Khairil; Najla, Najla; Amri, Khoirul
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/dt18gb98

Abstract

This study aims to investigate the impact of Islamic financial literacy, self-control, and deliberative thinking on the financial behavior of MSMEs in Banda Aceh City. This study uses quantitative data consisting of primary and secondary data. The sample of this study consisted of 108 respondents, obtained using the Hair formula. Data analysis used the multiple linear regression test method. The results of this study indicate that the variables of Islamic financial literacy, self-control, and deliberative thinking partially influence financial behavior. Then, simultaneously, the variables of Islamic financial literacy, self-control, and deliberative thinking influence financial behavior among MSMEs in Banda Aceh City. Therefore, to improve financial behavior among MSMEs, greater emphasis should be placed on Islamic financial literacy, self-control, and deliberative thinking to help foster more responsible financial behavior.
Empowerment of Small and Medium Industries (IKM) and Value Added of Sabangs Local Souvenir Products Riyaldi, Muhammad Haris; Umuri, Khairil; Kamal, Fakhri
Jurnal Pengabdian Bakti Akademisi Vol 2, No 3 (2025): Jurnal Pengabdian Bakti Akademisi
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jpba.v2i3.48579

Abstract

This community service program aimed to empower Small and Medium Industries (IKMs) in Sabang City by enhancing the value-added potential of local souvenir products. The problems addressed included limited product differentiation, low-quality packaging, and inadequate branding and marketing skills among IKM actors. The program was a collaborative initiative between the Islamic Economics Study Program of Universitas Syiah Kuala and the Department of Industry, Trade, Cooperatives, and SMEs of Sabang City. Using a Service Learning (SL) approach, the activity involved workshops, product development simulations, and mentoring sessions. The results showed significant improvements, including increased participant knowledge, improved packaging quality, and the creation of actionable business plans. Over 80% of participants demonstrated enhanced entrepreneurial capacity, and more than 90% expressed satisfaction with the program. The outcomes suggest that integrated academic-community collaboration can effectively support micro-enterprise development and contribute to local economic resilience and sustainability
Co-Authors A Sakir, A Sakir Abd Jamal, Abd Afandi ZT, Fitrah Ahmad Hamdani Ahmad Kamal Al Ghifary Ahmad Nizam Ahmad Nizam Alifah, Nisrina Nur Amri Amri Amri Amri Amri Amri Amri, Khoirul Annisa Keumala Dewi Anzira, Raudhatul Auliani, Auliani Azharsyah Ibrahim Bin Ahmad, Aiyub Cut Elfida Darwanis Darwanis Dewi Suryani Dewi Suryani Sentosa Dewi Suryani Sentosa Dhiauddin Al Amiri Dinaroe Dinaroe Dinda Meisuri DM, Burhanis Sulthan Dzacky Muharram Rani Eddy Gunawan Eddy Gunawan Eddy Gunawan, Eddy Edy Miswar, Edy Eka Nurlina Eka Nurlina Eka Nurlina Eka Nurlina Fadhil, Rahmat Faisal Faisal Fajri, Muhammad Iqbal Fakhrurrazi Farid Farid Farid, Farid Farma, Junia Fatiya, Ina Fauzah, Nurmela Fitrah Afandi ZT Fitrah Khairi Fonna, Rizki Putri Nurita Fuad, Zaki Ginting, Ledy Mahara Halim, Hendra Hamdani, Ahmad Hamdi Harmen Haris Riyaldi, Muhammad Hasnanti Putri, Windi Hawa, Aqlima Putri Hendra Halim HENDRA HALIM Humaira, Radhia Ihsan, Mhd Ikhsan Ikhsan Ilka Sandela Indah, Cahyani Rahmitha Iskandarsyah Jalaluddin Jalaluddin Junia Farma Kamal, Fakhri Kanchawongpaisan, Sipnarog Kesuma, T. Meldi Klongrua, Silanee Kusuma, Teuku Meldi Lubis, Hana Salsabila M. Ridha Siregar M. Shabri Abd. Majid M. Shabri Abdul Majid Makfirah, Fajar Maulina, Putri Milda Munadia Muftahuddin Muftahuddin Muftahuddin, Muftahuddin Muhammad Hafizh Al Adil Muhammad Haris Riyaldi Muhammad Haris Riyaldi Muhammad Haris Riyaldi Muhammad Haris Riyaldi, Muhammad Haris Muhammad Syahrizal, Teuku Muharman Lubis Mukhlis Mukhlis Mukhlis Yunus Muliadi, Muhammad Yani Mulyadi Adam, Mulyadi Nabawi, Rifky Chalik Nabila, Nisa Nabilah Nabilah Najla, Najla Nirlina, Eka Nisva, Raisa Ullya Nizam, Ahmad Nur Masyithah Nurlina, Eka Nurma Sari Nurma Sari Nurma Sari Nurma Sari, Nurma Nurul Ilyana Muhd Adnan Othman, Razali Bin Pratama, Agus Putri Mentari, Putri Radhia Humaira Raihana, Rana Ramida, Ramida Ramli, Fahmi Irwan Rani, Dzacky Muharram Rashid, Muhammad Hafiz Abd. Ratna Dewi Ridwan Nurdin Ridwan Nurdin Ridwan Ridwan Rifky Chalik Nabawi Sakir, A Salpina, Parjah Saputra, Irwan Sari, Meutia Dwi Novita Sartiyah Sartiyah Sartiyah Sartiyah Sartiyah, Sartiyah Sharmila Silvia, Vivi Siregar, Fachrul A Siregar, M. Ridha Siregar, Muhammad Rendhie Sitepu, Novi Indriyani Srinita, Srinita Stephanus TW Suriani Susanna Syahriyal Syahriyal Syahriyal Syahriyal Syahriyal, Syahriyal Syahrizal, Teuku Muhammad Syakila, Nadia Talbani Farlian Taufiq Carnegie Dawood Teuku Meldi Kesuma Teuku Meldi Kesuma Teuku Meldi Kesuma, Teuku Meldi Teuku Muhammad Syahrizal Teuku Muhammad Syahrizal Teuku Muhammad Syahrizal Windi Hasnanti Putri Wirdah Irawati Zaidan Shadiq Ridhwana Zikran, Ghrina ZT, Fitrah Afandi Zuhri, Al