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All Journal International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) 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 kawanad
Munardi
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Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Control & Systems Engineering Economics, Econometrics & Finance Education Electrical & Electronics Engineering 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.
Pelatihan JULEHA: Penyembelihan Halal yang Syar'i dan Higienis Fuadi; Falahuddin; Hafizh, Muhammad; Munardi; Arliansyah; Hanif
Kawanad : Jurnal Pengabdian kepada Masyarakat Vol. 4 No. 1 (2025): March
Publisher : Yayasan Kawanad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56347/kjpkm.v4i1.278

Abstract

Community service activities were conducted in Lhokseumawe City, focusing on meat traders and targeting both youth and the general public. The primary objective of this community empowerment initiative was to enhance understanding and provide assistance in halal slaughtering through training and certification for halal slaughterers (juleha) among market meat traders in Lhokseumawe. This effort aims to ensure the sustainability and development of halal slaughtering practices in the future. The training program was designed as an intensive and continuous educational activity, accompanied by experts from the PKM Unimal team and MPU-SJPH Aceh. The implementation method comprised three main stages: (1) Preparation, which included forming a field implementation team, conducting outreach to the community and meat traders, recruiting expert tutors in halal slaughtering, and coordinating with the implementation team; (2) Execution, which involved delivering material on halal slaughtering techniques, constructing appropriate slaughtering facilities, procuring necessary equipment, and carrying out the slaughtering process; and (3) Evaluation, as the final stage, where outcomes were assessed to improve future activities. The program is also designed to be sustainable through independent funding. Evaluation was conducted by comparing the conditions of participants before and after the mentoring process, using interviews and observation.
EMPOWERING THE MEUNASAH ALUE VILLAGE COMMUNITY IN FLOOD DISASTER MITIGATION THROUGH ENVIRONMENTAL EDUCATION AND ACTION IN MUARA DUA DISTRICT, LHOKSEUMAWE CITY." Adnan; Aiyub; Muhammad Roni; Munardi; Maisyura
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 5 No. 3 (2025): November 2025 - February 2026
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v5i3.5052

Abstract

Flooding is a natural disaster that frequently affects coastal areas in Aceh, including Meunasah Alue Village in Muara Dua District, Lhokseumawe City. This condition is caused by high rainfall, suboptimal drainage systems, and low public awareness of environmental cleanliness. This community service activity aims to increase community capacity and awareness in flood mitigation through participatory-based environmental education and action programs. The implementation method uses the Participatory Action Research (PAR) and Community-Based Disaster Risk Reduction (CBDRR) approaches that directly involve the community in the planning, implementation, and evaluation of activities. The program was implemented for three months through stages of flood mitigation education, environmental actions (cleaning ditches, planting vegetation, and creating biopores), and the formation of Village Flood Alert Groups (KSBD). The results of the activity showed a 38% increase in community understanding, a decrease in inundation points from 14 to 6 points, and increased active participation of residents in maintaining environmental cleanliness. In addition to the physical impact, this activity also strengthened collective awareness, social solidarity, and coordination between the community and the village government. Thus, community empowerment through environmental education and action has proven effective in building community resilience to flood risks at the local level and can be used as a model for replication in other areas with similar characteristics.
THE EFFECT OF RELIGIOSITY AND BRAND LOYALTY ON PURCHASE DECISIONS (Case Study at Aurel Hijab Shop in Lhokseumawe City) Wilda Khaira; Yulius Dharma; Fuadi; Agustinar; Munardi
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 12 (2025): NOVEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i12.1617

Abstract

This study aims to analyze the influence of religiosity and brand loyalty on consumer purchasing decisions at the Aurel Hijab Store in Lhokseumawe City. This study uses a quantitative approach with a survey method. The research population is consumers of the Aurel Hijab Store, with a sample size of 100 respondents determined using the Lemeshow formula and convenience sampling techniques. Data collection was carried out through a structured questionnaire with a Likert scale, then analyzed using the Statistical Package for the Social Sciences (SPSS) program through multiple linear regression analysis. The results of the study indicate that partially religiosity (X1) has a positive and significant effect on purchasing decisions (Y), as evidenced by a t-test with a significance value smaller than 0.05. This indicates that the higher the level of consumer religiosity, the stronger their tendency to make decisions to purchase hijab products that are in line with Islamic values. Furthermore, brand loyalty (X2) also has a positive and significant effect on purchasing decisions (Y) based on the t-test results, which indicates that consumer loyalty to the brand encourages repeat purchases and product recommendations. Simultaneously, the F-test results show that religiosity and brand loyalty together have a positive and significant effect on purchasing decisions. The coefficient of determination (R²) value of 76.4% indicates that variations in purchasing decisions can be explained by religiosity and brand loyalty, while the rest is influenced by other variables outside the research model. This finding confirms that consumer purchasing decisions for hijab are not only determined by brand loyalty, but also by the suitability of the product with the religious values held by consumers.
Co-Authors Adnan Agustinar, Agustinar Agustinawati Aiyub Arliansyah Azhar Cut Putri Mellita Sari Falahuddin Fanny Nailufar Fuadi Hanif Ichsan Ichsan Ichsan Khairisma, Khairisma Maisyura Muhammad Hafizh Muhammad Roni Mukhlish Muhammad Nur Rizkia, Rini Tarisa Zikria Maghfira Wilda Khaira Yoesrizal Muhammad Yoesoef Yulius Dharma