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All Journal Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Martabe : Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmu Ekonomi dan Bisnis Islam MAXIMAL IECON: International Economics and Business Conference Jurnal Ekonomi Syariah
Yunus, Kurniati
Universitas Muhammadiyah Parepare, Indonesia
Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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Indeks Literasi Keuangan dan Inklusi Keuangan Perbankan Syariah di Provinsi Sulawesi Selatan Yunus, Kurniati; Rini, Rini
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5 No 2 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v5i2.22088

Abstract

This study aims to analyze the effect of Islamic financial literacy on financial inclusion of Islamic banking in South Sulawesi Province and to see the level of Islamic financial literacy and financial inclusion of Islamic banking in the people of South Sulawesi Province and the effect of financial literacy on financial inclusion of Islamic banking. This research uses this research to measure the level of financial literacy and financial inclusion of Islamic banking as well as the effect of Islamic financial literacy on financial inclusion in Islamic banking in South Sulawesi Province. The data processing method uses simple analysis. The results of this study indicate that the Islamic financial literacy index is in the medium category and the Islamic banking financial inclusion in South Sulawesi Province is in the low category which indicates that the level of public understanding of Islamic finance already exists but access to Islamic banking is still lacking and financial literacy has an influence on financial inclusion. Islamic banking in communities in South Sulawesi Province.
Sustainbility in Sharia Invesment Kurniati Yunus; Erwan Setyanoor; Mansyur, Abdurrahman
Jurnal Ilmu Ekonomi dan Bisnis Islam Vol 6 No 1 (2024)
Publisher : Program Studi Ekonomi Syariah, FEBI UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jiebi.v6i1.279.37-53

Abstract

Islamic investments have become the focus of increasing attention in discussions regarding sustainable development as part of efforts to promote more responsible and inclusive economic practices. In this context, this research investigates the link between sustainability and Sharia investment and its implications for sustainable investment practices. Integrating sustainability values into Sharia investment practices has been highlighted as a significant contributor to achieving sustainable development goals. Aligns with the principles of justice, social responsibility, and sustainable environmental management inherent in Sharia. The study also sheds light on various Sharia investment instruments championing sustainable development. With a holistic approach, Sharia investment emerges as a powerful tool for fostering inclusive economic growth, promoting environmental stewardship, and enhancing social welfare.
Utilization Of Digital Technology As A Strategy For Empowering Micro Business In Parepare City Aqhzira Aulia Muhtar; Nuringsih; Kurniati Yunus
IECON: International Economics and Business Conference Vol. 2 No. 1 (2024): International Conference on Economics and Business (IECON-2)
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/391fyr58

Abstract

This study aims to analyze the use of digital technology as a strategy for empowering micro-enterprises in Parepare City. In facing increasingly tight competition, micro-enterprises need innovative strategies to increase competitiveness and operational efficiency. The use of digital technology, such as social media, e-commerce platforms, and financial applications is considered an effective effort to support the development of micro-enterprises. The type of research used is qualitative research that explains phenomena and perceptions. While the type of approach used by researchers is descriptive data in the form of in-depth interviews with micro-economic actors, field observations and literature studies. The research results obtained are: increasing market access in terms of digital technology in this case e-commerce and social media, provides opportunities for micro businesses to expand market networks for Micro Business actors in Parepare City who previously only relied on traditional markets but can now reach consumers from various regions. Then the perception of Micro business actors regarding the implementation of strategies that a strategy is very important in trying because with a strategy Micro Business actors can anticipate something bad that will happen in the future.
Pengelolaan Administrasi Surat dan Laporan Hasil Pengawasan di Inspektorat Daerah Kabupaten Pinrang Iis. P, Meranti; Yunus, Kurniati; Amanda, Friska; Julianti
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 2 No 3 (2025): Februari
Publisher : Maximal Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya dan Pendidikan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

In summary, this study has succeeded in improving the efficiency of administrative letters and reports at the Pinrang District Inspectorate. By using an integrated electronic system, we can increase the number of incoming and outgoing letters in a more timely and accurate manner. This system digitizes letters, provides real-time status updates, and has a search feature that makes decision-making faster and more efficient. In addition, thorough training and clear work instructions have helped employees develop the skills they need to use this new system. By using this system, the Pinrang District Inspectorate can provide more timely information about community welfare, which will increase public trust in local government operations. However, the implementation of this system is not entirely free from criticism. Several characteristics, such as resistance to change, damage to technological infrastructure, and the need for more intensive training, emerged at the beginning of the implementation. This can be explained by the right steps, such as intensive socialization, long-term training, and improving the quality of internet connections in the workplace. The results of this study indicate that the implementation of the electronic system not only increases efficiency and accuracy, but also reduces operational costs, maximizes document storage space, and increases employee productivity. Therefore, this system is recommended to be adopted by other government agencies as a positive administrative modernization initiative for the public interest.
QRIS BSI SEBAGAI INSTRUMEN INKLUSI KEUANGAN SYARIAH: DAMPAK DAN KENDALA BAGI UMKM DI MASJID AL-MUNAWAR KOTA TERNATE Yunus, Kurniati; Syaifuddin; Usmayani, Ilham Putra; Sudirman, Muh. Sajjaj
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 02 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i02.501

Abstract

The adoption of electronic money through the Quick Response Code Indonesia Standard (QRIS) is an important innovation in supporting transaction digitalization, promoting financial inclusion, and strengthening the economic growth of micro, small, and medium enterprises (MSMEs). Bank Syariah Indonesia (BSI) introduced QRIS as a sharia-compliant payment instrument; however, its implementation still faces challenges at the mosque-based MSME level. This study aims to analyze the impact and obstacles of using BSI QRIS among MSMEs in the Al-Munawar Mosque community in Ternate City, focusing on how its application influences business activities and consumer satisfaction. A qualitative descriptive method was employed with four informants consisting of two MSME actors and two consumers, using Miles and Huberman’s interactive data analysis model, which includes data reduction, data display, and conclusion drawing. The findings reveal that before using QRIS, MSMEs experienced difficulties such as losing potential customers due to limited payment options, slow cash transactions, and challenges in separating personal and business finances. After adopting BSI QRIS, MSMEs benefited from increased sales, time efficiency, stronger brand awareness, and improved transaction recording. The only obstacle reported was internet connectivity issues during unfavorable weather conditions, while no significant challenges were found in the registration or transaction process. These results highlight the importance of BSI QRIS as a sharia-based financial inclusion instrument that can enhance the competitiveness of MSMEs in the digital era.
EDUKASI LITERASI KEUANGAN SYARIAH BAGI PELAJAR DI SMA IT SYAFFUL KHAIRAT KECAMATAN SOFIFI KOTA TIDORE DAN KEPULAUAN Yunus, Kurniati; Putra Usmayani, Ilham; Sanmas, Abu; Hidajat, Rachmat; Kader, Sunarti
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 9, No 1 (2026): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v9i1.%p

Abstract

Kegiatan Pengabdian Kepada Masyarakat (PKM) ini bertujuan untuk meningkatkan literasi ekonomi dan keuangan syariah di kalangan pelajar, khususnya siswa-siswi SMA IT Shafful Khairat Sofifi. Literasi keuangan syariah merupakan salah satu aspek penting dalam mendukung tercapainya inklusi keuangan nasional yang berlandaskan prinsip-prinsip Islam. Meskipun industri keuangan syariah di Indonesia terus berkembang, tingkat pemahaman masyarakat terhadap produk dan prinsip keuangan syariah masih tergolong rendah. Metode pelaksanaan kegiatan ini menggunakan pendekatan Participatory Action Research (PAR) yang meliputi empat tahapan: identifikasi masalah, pengumpulan informasi, analisis data, dan penyampaian hasil. Kegiatan dilaksanakan dalam bentuk penyuluhan dan workshop edukatif dengan melibatkan dua narasumber dari Fakultas Ekonomi dan Bisnis Islam (FEBI) IAIN Ternate. Materi yang disampaikan mencakup enam aspek utama dalam pengelolaan keuangan menurut perspektif Islam, yaitu: berwirausaha, menabung di lembaga keuangan syariah, tidak boros, bersedekah, menghindari utang, dan berinvestasi halal. Hasil kegiatan menunjukkan peningkatan pemahaman peserta terhadap pentingnya literasi keuangan syariah serta tumbuhnya kesadaran untuk menerapkan prinsip-prinsip ekonomi Islam dalam kehidupan sehari-hari. Melalui kegiatan ini, diharapkan siswa dapat menjadi generasi yang cerdas finansial, beretika, dan mandiri secara ekonomi sesuai dengan nilai-nilai syariah. Selain itu, kegiatan PKM ini juga memperkuat peran IAIN Ternate sebagai lembaga pendidikan yang aktif dalam mengedukasi masyarakat tentang ekonomi dan keuangan berbasis syariah.
Co-Authors Abdurrahman Mansyur Amanda, Friska Aqhzira Aulia Muhtar Erwan Setyanoor Hidajat, Rachmat Iis. P, Meranti Julianti Kader, Sunarti Nuringsih Putra Usmayani, Ilham RINI RINI Sanmas, Abu Sudirman, Muh. Sajjaj Syaifuddin Usmayani, Ilham Putra