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All Journal International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA) JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan
Munardi
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Religion Humanities Economics, Econometrics & Finance Energy Social Sciences Other

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Islamic Economics Perspectives on Investing in Sharia Mutual Funds Using Bibit Applications Rizkia, Rini; Ichsan, Ichsan; Fuadi; Munardi
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 8 No. 1 (2024): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v8i1.2874

Abstract

The objective of this study is to examine the regulatory framework governing the implementation of Islamic economics principles in Sharia mutual funds on the Bibit platform. This study employs qualitative research methodologies to conduct descriptive research. The data gathering procedures involve the processes of observation, interviewing, and documentation. The data's credibility is assessed by the method of triangulation. Based on the findings of the research, it has been determined that investing in Sharia mutual funds in Islam is permissible, provided that they adhere to Islamic law without any deviations. According to the current fatwa, the use of Bibit for mutual fund investment is in accordance with Islamic law regulations on Sharia mutual fund products. These products provide investors with a mechanism that ensures their investments are free from usury and undergo a cleansing and screening process.
ENHANCING COMMUNITY ENGAGEMENT IN ECOTOURISM: DEVELOPING A PARTICIPATORY AND COMMUNITY-CENTERED FRAMEWORK Ichsan; Azhar; Munardi
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 1 No. 4 (2023): April
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/jaruda.v1i4.160

Abstract

Ecotourism can promote sustainable tourism by conserving nature and empowering local communities, but meaningful participation faces challenges like lack of trust, limited capacity, and uneven benefit distribution. This study develops a participatory, community-centered framework to enhance community engagement in ecotourism, identifying key factors such as social capital, participatory governance, equitable benefit-sharing, capacity building, and institutional support. The framework emphasizes culturally sensitive approaches, valuing local wisdom, and empowering communities as agents of change. Key components include power-sharing, meaningful dialogue, joint learning, and sustainable institutional mechanisms like multi-stakeholder partnerships, dialogue platforms, participatory monitoring systems, and equitable benefit-sharing. Recommendations for practitioners and policymakers focus on adopting bottom-up approaches, strengthening social capital, and developing inclusive institutional mechanisms. Further empirical research is needed to validate the framework and address the dynamics of specific community groups. This study advances understanding of community participation in ecotourism and offers practical guidance for inclusive, sustainable tourism development.
INFLUENCE OF FINANCIAL LITERACY, LIFESTYLE, AND SOCIAL MEDIA ON THE CONSUMPTIVE BEHAVIOR OF GENERATION Z STUDENTS IN THE FACULTY OF ECONOMICS AND BUSINESS FROM AN ISLAMIC ECONOMIC PERSPECTIVE Tarisa Zikria Maghfira; Yulius Dharma; Munardi; Fuadi
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 5 No. 4 (2025): August
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v5i4.3874

Abstract

This study aims to analyze the influence of financial literacy, lifestyle, and social media on the consumptive behavior of Generation Z students in the Faculty of Economics and Business at Malikussaleh University from an Islamic economic perspective. Generation Z is known for its high tendency toward consumptive behavior due to the intensive use of social media, modern lifestyles, and low financial literacy. This research uses a quantitative approach with a survey method by distributing questionnaires to 100 respondents selected through purposive sampling. The data were analyzed using multiple linear regression to test both partial and simultaneous effects of the independent variables on consumptive behavior. The results show that partially, financial literacy has a negative and significant effect on consumptive behavior, indicating that higher financial literacy reduces students' consumptive tendencies. Meanwhile, lifestyle and social media usage have positive and significant effects, meaning the higher the lifestyle orientation and social media intensity, the greater the level of consumptive behavior. Simultaneously, all three variables significantly affect consumptive behavior. From the perspective of Islamic economics, excessive consumption (israf) is prohibited, as it contradicts the principles of moderation and balance in consumption. This study recommends strengthening Islamic financial literacy education from an early age to reduce consumptive behavior and build students' awareness to adopt rational and responsible consumption practices in accordance with Islamic principles as outlined in the Qur'an.
EMPOWERING STUDENTS FOR THE JOB MARKET: INSIGHTS FROM A CV ENHANCEMENT PROGRAM Fanny Nailufar; Khairisma; Cut Putri Mellita Sari; Yoesrizal Muhammad Yoesoef; Mukhlish Muhammad Nur; Agustinawati; Munardi
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 4 No. 3 (2024): November 2024 - February 2025
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v4i3.2162

Abstract

In the era of intense global competition, university students face significant challenges in entering the professional workforce. Recognizing this, a community engagement program was implemented at the Faculty of Economics and Business, Universitas Malikussaleh, focusing on enhancing students' skills in crafting effective curriculum vitae (CV). This program aimed to address gaps in understanding CV structures, integrating relevant skills, and optimizing content for specific industries. Through workshops, individual mentoring, and access to modern CV templates, students were trained to create professional, visually appealing CVs tailored to industry standards. The initiative demonstrated a positive impact, increasing students' awareness, confidence, and preparedness to compete in the job market. This program serves as a model for bridging the gap between academic learning and professional readiness, contributing to the development of competitive graduates ready for global opportunities.
Co-Authors Agustinawati Azhar Cut Putri Mellita Sari Fanny Nailufar Fuadi Ichsan Ichsan Ichsan Khairisma Mukhlish Muhammad Nur Rizkia, Rini Tarisa Zikria Maghfira Yoesrizal Muhammad Yoesoef Yulius Dharma