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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam Al-Muqayyad Jurnal Ilmu Perbankan dan Keuangan Syariah IJBEM : Indonesian Journal of Business Economics and Management JAWI : Journal of Ahkam Wa Iqtishad JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi Jurnal Pengabdian Masyarakat ISEI Journal Of Legal Sustainability (JOLS)
Lubis, Haniah
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Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Perilaku Petani dalam Menghadapi Fluktuasi Harga Sawit Menurut Perspektif Ekonomi Syariah Ismiati, Ismiati; Lubis, Haniah
JAWI : Journal of Ahkam Wa Iqtishad Vol. 1 No. 4 (2023): JAWI - DESEMBER
Publisher : MUI Kota Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10321972

Abstract

The frequently fluctuating price of palm oil causes palm oil farmers in Tanjung Kudu, Kualu Village, to take action to overcome their family's economic problems as a result of prices fluctuating drastically. The aim of this research is to determine the behavior of oil palm farmers in facing price fluctuations and to determine the Islamic economics review of the behavior of oil palm farmers in facing price fluctuations in Tanjung Kudu, Kualu Village. This research is field research located in Tanjung Kudu, Kualu Village. The informants in this research were 10 oil palm farmers with the criteria being farmers who had a plantation area of more than 2 hectares and had worked for a minimum of 5 years. Data collection techniques through observation, interviews and documentation. Data analysis is descriptive qualitative. It was found that oil palm farmers carry out various kinds of behavior to increase family income, such as working side jobs, becoming farm laborers, construction workers, traders, and others. Some of the oil palm farmers' wives also help in increasing the family's income by opening small businesses such as opening a breakfast business, a daily shop business, and a laundry business. The behavior of oil palm farmers in facing price fluctuations applies the principle of honesty, always trying to earn a living, not being discouraged, never giving up, being responsible for family needs, and not being lazy in working.
The Synergy Of Islamic Banking And Village-Owned Enterprises (BUMDes) To Strengthen Unbankable Business Capital Nurnasrina, Nurnasrina; Putra, Popi Adiyes; Khairunisa, Madona; Lubis, Haniah; Jenita, Jenita
JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi Vol. 1 No. 4 (2023): JAAMTER - DESEMBER
Publisher : MUI Kota Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10408927

Abstract

This study aims to determine the synergy that can be implemented between Islamic Bank and Village Owned Enterprises (BUMDes) to strengthen unbankable business capital and to assess the application of sharia contracts toward some products provided by BUMDes. The research methodology used qualitative analysis, primary data obtained from informants, namely one branch manager of Islamic Bank of Indonesian (BSI), Pekanbaru branch and 14 BUMDes leaders in Tambang District, Kampar. The results show that first: two forms of synergy can be implemented between BSI and BUMDes to strengthen unbankable business capital, namely BSI finances through BUMDes then distributed to the unbankable micro-entrepreneurs and BSI distributes directly to the unbankable micro-entrepreneurs based on BUMDes recommendation then BSI provides a fee after BUMDes gives the guarantee, second: the application of sharia contracts toward some products supplied by BUMDes currently could use wadi`ah, mudharobah, musyarokah, murobahah, salam, istisna, ijaroh and wakalah.
Fenomena Fear of Missing Out (FOMO) Tren Produk Kosmetik di Aplikasi TikTok pada Mahasiswi Salsabila, Nurul Aziza; Lubis, Haniah
Indonesian Journal of Business Economics and Management Vol. 3 No. 1: IJBEM Desember 2023
Publisher : IRPI Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57152/ijbem.v3i1.1331

Abstract

Penelitian ini dilatarbelakangi oleh perkembangan tren produk kosmetik di aplikasi TikTok yang memikat kalangan mahasiswi. Penelitian ini bertujuan untuk meneliti fenomena FoMO tren produk kosmetik yang ada di aplikasi TikTok dikalangan para mahasiswi. Jenis penelitian ini adalah penelitian kualitatif, yaitu penelitian berfokus pada pengamatan mendalam terhadap fenomena yang terjadi. Pendekatan yang digunakan pada penelitian ini adalah pendekatan deskriptif, penelitian diarahkan untuk menjelaskan gejala, fakta, atau kejadian secara sistematis dan akurat. Hasil yang ddiperoleh dari penelitian ini adalah fenomena Fear of Missing Out (FoMO) tren produk kosmetik saat ini terjadi di kalangan mahasiswi Ekonomi Syariah UIN Suska Riau. Maraknya konten produk kosmetik seperti skincare dan make-up membuat para mahasiswi tidak dapat mengelak bahwa mayoritas dari mereka tertarik ingin memiliki produk yang sama dengan yang dimiliki banyak orang. Terdapat mahasiswi yang bertindak boros (tabzir) dan berlebih-lebihan (israf) dalam mengkonsumsi produk kosmetik akibat fenomena ini. Di sisi lainnya, terdapat pula mahasiswi yang tetap berhati-hati dan memiliki pertimbangan sebelum memutuskan untuk membeli produk kosmetik yang tren di aplikasi TikTok
Pengelolaan dan Pengembangan Wakaf Uang oleh Lembaga Nazhir di Kota Pekanbaru Nuryanti, Nuryanti; Lubis, Haniah; Cheumar, Muhammad Tahir; Melina, Ficha
AL-Muqayyad Vol. 7 No. 1 (2024): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v7i1.1881

Abstract

The existing cash waqf assets are not yet fully managed by nazhir, because in the Pekanbaru City area there are still limited nazhir resources to manage waqf, both in terms of quality and quantity. This research seeks to explain the management of cash waqf assets and how to develop waqf management by cash waqf nazhir institutions in Pekanbaru City so that the potential of cash waqf can be explored. The research carried out was descriptive qualitative field research. Data was obtained by interviewing informants, namely 6 nazhir cash waqf institutions in Pekanbaru City. Data is presented descriptively based on conditions that occur in the field. The management of cash waqf that has been carried out by nazhir cash waqf institutions in Pekanbaru City has not shown maximum results considering the huge potential. However, the efforts made by these institutions show their seriousness in managing cash waqf. Various programs have been prepared to develop the management of cash waqf in order to increase the benefits of waqf that can be distributed to mauquf 'alaih.The main contribution of this research is to focus on managerial techniques in managing cash waqf in Pekanbaru City.
Edukasi Peran Istri yang Bekerja Dalam Membantu Ekonomi Keluarga Pada Ibu-Ibu Majelis Taklim Dusun V Kampung Baru Kualu khairunisa, Madona; Lubis, Haniah; Nurlaili, Nurlaili
Jurnal Pengabdian Masyarakat Isei Vol. 1 No. 1 (2023): Jurnal Pengabdian Masyarakat Isei
Publisher : ISEI Cabang Pekanbaru, Koordinator Provinsi Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46750/abdimasisei.v1i1.156

Abstract

The wife is a friend to the husband in wading through the ups and downs of household life. While the mother is the first teacher in the household madrasah for her children. However, Islam does not prohibit women from working. The wife works, her main motivation is to help her husband meet the economic needs of the family. In working the wife must pay attention to adab which must be maintained according to the view of Islamic law. The problem of family economic needs is the main problem that can often lead to disputes. BPS data shows that the economy is the second most important factor that makes a wife choose to separate. The service was carried out to the people of Dusun V Kampung Baru Kuala Kualu, in this case the women of the Taklim Assembly with a total of 22 respondents who acknowledged that the majority of household problems were due to economic problems. Apart from not having adequate steady income, most of them also do not keep records of family finances. The method is carried out through the provision of education/materials, conducting open discussions, and making an ideal family financial recording simulation.
Peningkatan Literasi Manajemen BUMDes dan Keuangan Keluarga Harmonis Andrini, Rozi; Lubis, Haniah; Munir, Alchudri
Jurnal Pengabdian Masyarakat Isei Vol. 2 No. 1 (2024): Jurnal Pengabdian Masyarakat Isei
Publisher : ISEI Cabang Pekanbaru, Koordinator Provinsi Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46750/abdimasisei.v2i1.242

Abstract

Hampir setiap keluarga pernah mengalami permasalahan ekonomi yang berkaitan dengan keuangan keluarga. Keberadaan Badan Usaha Milik Desa (BUMDes) menjadi penunjang dalam perekonomian keluarga anggota BUMDes maupun masyarakat sekitar. Sehingga perlu untuk meningkatkan literasi manajemen BUMDes dan keuangan keluarga harmonis. Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan literasi menajemen BUMDes dan keuangan keluarga Harmonis di BUMDes Taiba Smart Kec. Tarai Bangun Kabupaten Kampar. Metode pengabdian ini dilakukan dengan analisis situasi, kemudian tim pengabdian menentukan metode pemecahan masalah yaitu memberikan pemahaman terkait manajemen BUMDes dan literasi keuangan keluarga harmonis. Khalayak sasaran dalam pengabdian ini adalah pengelola, anggota BUMDes dan masyarakat Desa Tarai Bangun. Hasil pengabdian ini yaitu meningkatnya literasi pengelola dan anggota BUMDes Taiba Smart dalam manajemen BUMDes dan keuangan keluarga harmonis. Hal tersebut dibuktikan dengan diresmikannya incubator keuangan syariah sebagai bentuk penyediaan wadah untuk konsultasi pengembangan BUMDes terutama di sector investasi keuangan syariah. Hasil kegiatan pengabdian ini dapat menjadi rekomendasi bagi BUMDes Taiba Smart untuk lebih meningkatkan pemahaman dan pengelolaan terait manajemen BUMDes dan keuangan keluarga harmonis melalui investasi keuangan syariah.
Optimization of Productive Waqf Management in Pekanbaru, Indonesia Nuryanti, Nuryanti; Lubis, Haniah
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 1: January 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i1.27563

Abstract

This study aims to identify ways to optimize the management of productive waqf through the collaboration of stakeholders, including government, academics, and the community. This research uses a qualitative descriptive method with data collection through focused group discussion (FGD) and interviews with nazir, wakif, and related agencies. The results showed that the optimization of waqf management requires the active role of all parties to ensure that waqf management runs transparently and productively. Waqf education and literacy through digital media, including the use of Quick Response Code (QR Code), as well as digital payment platforms such as Link Aja Syariah and OVO, are the main strategies in increasing waqf awareness. Nazir is also required to run a transparent program with detailed and measurable reporting of funds. This study recommends increasing nazir capacity, revising regulations related to incentives for waqf managers, and encouraging active participation of academics and the government in the development of more effective productive waqf.
Implikasi Hukum Ekonomi Syariah terhadap Pengembangan Keuangan Mikro dan Usaha Kecil Menengah Winario, Mohd; Rinaldi, Rinaldi; Zakir, Muhammad; Lubis, Haniah; Bustanur, Bustanur
Journal of Legal Sustainability Vol. 1 No. 2 (2024): September 2024
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jols.v1i2.68

Abstract

This study aims to analyze the implications of sharia economic law on the development of microfinance and Small and Medium Enterprises (SMEs) in Indonesia. The focus of this study is to identify the application of sharia principles in microfinance, examine the challenges faced by SMEs in accessing sharia financial services, and explore the potential and opportunities of sharia microfinance in supporting SME development. This study uses a qualitative method with a case study approach. Data were collected through in-depth interviews with SMEs, sharia financial practitioners, and sharia financial institutions, and supported by analysis of related literature. The results of the study indicate that the application of sharia economic law in microfinance has a positive impact on SMEs, especially in terms of financial inclusiveness and economic justice. However, there are several challenges that still need to be overcome, such as low sharia financial literacy and limited access to sharia financial institutions, especially in rural areas. The potential of sharia microfinance as a tool for empowering SMEs is very large, but requires adequate regulatory and infrastructure support. This study concludes that with increased literacy, access, and appropriate regulation, sharia microfinance can be a strategic solution to accelerate the growth of SMEs in Indonesia.
Improving of Welfare Mustahik Through the Dompet Dhuafa Livestock Center Program Lubis, Haniah; Harlina, Yuni; Arifin, Zainal; Safi'i, Agus
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 1 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i1.322.105-125

Abstract

This research is motivated by zakat-based economic empowerment in helping to improve the welfare of mustahik. The purpose of this study was to determine the role of zakat carried out by Dompet Dhuafa Riau through the Livestock Center program in improving the welfare of mustahik and to determine the supporting and inhibiting factors in the distribution of zakat. This study is a field study, on mustahik recipients of the Livestock Center Program in Simpang Petai Village, Rumbio Jaya District, Kampar and the Dompet Dhuafa Riau Zakat Institution. The population in this study were the person in charge of the Dompet Dhuafa Riau Livestock Center program and 6 mustahik of the Dompet Dhuafa Riau Livestock Center program. The source of research data uses primary data, which comes from interviews and secondary data through documentation data. The data analysis used is qualitative data analysis, by classifying data collected from the field, then managed and analyzed and described in detail and clearly. The results of the study indicate that the distribution of zakat through the Livestock Center program has had a positive impact and helped improve the welfare of mustahik. Supporting factors in the Livestock Center program are the availability of funds and capital from zakat, training and supervision from Dompet Dhuafa and the interest of mustahik in raising livestock. Inhibiting factors, lack of understanding and experience in raising livestock, patience of mustahik in running the program, and unstable marketing of livestock products.
Co-Authors ANDRINI, ROZI Bustanur, Bustanur Cheumar, Muhammad Tahir Ismiati Ismiati jenita jenita, jenita Khairunisa, Madona Melina, Ficha Mohd. Winario Muhammad Zakir Munir, Alchudri Nurlaili Nurlaili Nurnasrina Nurnasrina Nuryanti Nuryanti Putra, Popi Adiyes Rinaldi Rinaldi Safi'i, Agus Salsabila, Nurul Aziza Yuni Harlina Zainal Arifin