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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah CARADDE: Jurnal Pengabdian Kepada Masyarakat Jurnal Tabarru': Islamic Banking and Finance Iqtishoduna: Jurnal Ekonomi Islam Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Muhasabatuna: Jurnal Akuntansi Syariah MES Management Journal Jurnal Pendidikan Indonesia (Japendi) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Islamic economics Perspectives (JIEP) Journal of Ekonomics, Finance, and Management Studies
Rahmayati
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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PENGARUH PERSEPSI KEPERCAYAAN DAN PERSEPSI KEAMANAN TERHADAP MINAT PENGGUNAAN QRIS SEBAGAI ALAT PEMBAYARAN DIGITAL UMKM HALAL KOTA MEDAN Br Sebayang, Nur Isma Tasya; Rahmayati
Jurnal Tabarru': Islamic Banking and Finance Vol. 6 No. 2 (2023): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2023.vol6(2).14590

Abstract

Tujuan penelitian ini adalah untuk mengetahui pengaruh persepsi kepercayaan dan persepsi keamanan terhadap minat penggunaan QRIS sebagai alat pembayaran digital UMKM halal kota Medan. Jenis penelitian ini adalah penelitian kuantitatif dan data yang digunakan berupa jenis data primer.Teknik analisis data dengan uji deskriptif, uji kualitas data, uji asumsi klasik, analisis regresi linier berganda, dan uji hipotesis. Proses pengolahan data menggunakan program SPSS versi 22.0. Hasil dari penelitian ini adalah persepsi kepercayaan (X1) berpengaruh terhadap minat penggunaan QRIS terlihat dari t hitung > t tabel persepsi kepercayaan (X1) berpengaruh terhadap minat penggunaan QRIS terlihat dari t hitung > t tabel (4,753 > 1,295) dan taraf signifikannya yang lebih kecil dari 0,05 (0,000 < 0,05). Persepsi keamanan (X2) berpengaruh terhadap minat penggunaan QRIS terlihat dari t hitung > t tabel (6,392 > 1,295) dan taraf signifikannya yang lebih kecil dari 0,05 (0,000 < 0,05). Pada persepsi kepercayaan dan persepsi keamanan berpengaruh terhadap minat penggunaan QRIS sebagai alat pembayaran digital UMKM halal kota Medan yaitu 0,928 atau 92,8%.
ANALISIS SWOT TRANSFORMASI DIGITAL PADA PT. BPRS AL-WASHLIYAH Siregar, Chaliza Aini; Rahmayati
Jurnal Tabarru': Islamic Banking and Finance Vol. 6 No. 2 (2023): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2023.vol6(2).14593

Abstract

Penelitian ini bertujuan untuk mengetahui Analisis SWOT (Strengths, Weaknesses, Opportunities, and Threats) Pada PT. BPRS Al-Washliyah. Metode penelitian yang digunakan adalah metode penelitian analisis deskriptif, Matriks SWOT, Matriks Evaluasi Faktor Eksternal (Eksternal Factor Evaluation- EFE Matrix), Matriks Evaluasi Faktor Internal (Internal Factor Evaluasion-IFE Matrix). Hasil penelitian menunjukkan bahwa saat ini PT. BPRS Al-Washliyah mempunyai loyalitas pelanggan dan nilai tertimbang Matrix Internal Factor Evaluasion (IFE Matrix) adalah 2,29 yang mengindikasikan bahwa posisi PT. BPRS Al-Washliyah memiliki posisi internal yang cukup kuat. Sedangkan nilai tertimbang Matrix Eksternal Factor Evaluasion (EFE Matrix) adalah 3,03 yang mengindikasikan bahwa PT. BPRS Al-Washliyah dalam menghadapi dinamika lingkungan eksternal posisi perusahaan relatif kuat.
PREFERENSI TRANSAKSI DI BANK SYARIAH Rahmayati; Dara
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 1 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(1).16830

Abstract

Penelitian ini menganalisis pengaruh pengetahuan dan karakteristik bank terhadap keputusan nasabah dalam menggunakan bank syariah. Penelitian ini merupakan jenis penelitian kuantitatif dengan menggunakan data primer. Populasi yang digunakan ialah Mahasiswa UMSU dengan jumlah sampel sebanyak 94 Mahasiswa menggunakan Teknik slovin. Hasil penelitian ini menunjukkan bahwa variable Pengetahuan (X1) berpengaruh positif namun tidak signifikan terhadap Variabel Keputusan (Y) dengan perolehan  t hitung (0,009) >  t tabel (0,05) dengan  nilai signifikan sebesar 2,688 > 1,98638, Variabel Karakteristik Bank (X2) berpengaruh positif dan signifikan terhadap variabel Keputusan (Y) dengan perolehan t tabel (0,000) < t tabel (0,05) dengan nilai signifikan sebesar 6,068 > 1,98638, uji secara simultan pada Variabel Pengetahuan (X1) dan Karakteristik Bank (X2) menyatakan bahwa ada pengaruh signifikan secara bersama-sama terhadap Keputusan (Y) dengan perolehan F hitung (139,389) > F tabel (3,10) dengan tingkat signifikan 0,000. Kesimpulan penelitian ini yaitu Pengetahuan berpengaruh positif dan signifikan terhadap keputusan mahasiswa dalam menggunakan Bank Syariah dan Karakteristik Bank berpengaruh positif dan signifikan terhadap keputusan mahasiswa dalam menggunakan Bank Syariah.
Analisis Strategi Peningkatan Manajemen Sumber Daya Insani dalam Perspektif Syariah di Tadika Tahfiz Nur Furqan Malaysia Sabina; Rahmayati
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.22787

Abstract

Penelitian ini bertujuan untuk menganalisis Strategi Peningkatan Manajemen Sumber Daya Insani Dalam Perspektif Syariah Di Tadika Tahfiz Nur Furqan Malaysia. Berdasarkan hasil penelitian dan pembahasan, penelitian ini bertujuan untuk mengetahui alasan Tadika Tahfiz Nur Furqan Malaysia menerima Sumber Daya Insani (SDI) lulusan sarjana dengan jurusan yang beragam dan untuk mengetahui strategi yang dilakukan manajemen Sumber Daya Insani (SDI) untuk menghadapi multidisiplin keilmuan karyawan. Proses rekrutmen yang ada pada Tadika Tahfiz Nur Furqan Malaysia terdapat beberapa tahapan penyeleksian seperti tahap seleksi berkas, tes pisikotes, wawancara, tes baca Al-Qur’an dan tes kesehatan. Tadika Tahfiz Nur Furqan Malaysia mengambil sumber daya insani (SDI) dari sarjana umum karena Tadika Tahfiz Nur Furqan Malaysia memberikan peluang kepada pelamar yang dari lulusan umum. Tadika Tahfiz Nur Furqan Malaysia memiliki strategi manajemen yang menyikapi pengetahuan keilmuan multidisiplin karyawan dengan menyelenggarakan seminar, mengatur penyegaran SOP saat briefing pagi dan menyelenggarakan beberapa kursus pelatihan. Ciptakan soft skill bagi karyawan.
MSMEs Development Through QRIS Islamic Banking in Medan City, Indonesia Rahmayati; Mujiatun, Siti; Affandi, Ahmad
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 2 (2024): October
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i2.2567

Abstract

The purpose to examine the use of QRIS whether it is able to increase the income of MSMEs in the city of Medan, Indonesia. The novelty recommendations for the use of QRIS for MSMEs in Medan City. The type of research uses primary research techniques by collecting data directly in the field, namely the respondents are MSME actors in Medan City. The Implication can Providing input to MSMEs to use QRIS because it can increase their income and Islamic banks to improve QRIS product innovation, especially risk mitigation and real time.The results showed that the increase in MSME income in Medan City stated that the use of the QRIS payment system had a positive and significant effect on increasing MSME income in Medan City. Constraints from using QRIS for MSMEs There are still those who do not understand how to use QRIS, both from business actors and their customers; network constrained; the slow process of disbursing funds in real time; and there is a fee for using QRIS that is charged to merchants.
The The Existence of Sharia Financial Institutions in The Muslim Minority in Yala Province, Thailand: english sinurat, Nuriyani Devi; Rahmayati
Muhasabatuna : Jurnal Akuntansi Syariah Vol. 5 No. 1 (2023): Juny
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/muhasabatuna.v5i1.2288

Abstract

The sharia financial system is a system that adheres to the Al-Quran and Hadith. Statistical data show that Southeast Asia has become one of the centers for the development of the global Islamic finance industry including Indonesia, Malaysia, Brunei Darussalam, Singapore, Thailand and the Philippines. Therefore the purpose of this study is to find out in depth about the existence of Islamic financial institutions in the Yala province of Thailand. Utilizing a qualitative approach, or research to identify aspects or characteristics of social impacts that cannot be measured, explained, or defined using a qualitative approach, is the strategy used, with data collection techniques using observation and questionnaire techniques. The conclusion is that there is an influence of the Muslim minority on the development of Islamic financial institutions in the Yala province of Thailand, even though people are starting to become aware of using Islamic financial institutions in banking transactions.
Literature Study of Halal UMKM Industry Development Model in Trang, Southern Thailand: English Sohibul Wafa Fadlan Zamil; Rahmayati
Muhasabatuna : Jurnal Akuntansi Syariah Vol. 5 No. 1 (2023): Juny
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/muhasabatuna.v5i1.2295

Abstract

The development of the halal industry sector will continue to compete again with the involvement of the Islamic banking and Islamic finance sectors. This study aims to examine the roles of the Islamic banking and Islamic finance sectors in developing halal food and SMEs in Trang, southern Thailand. This study uses a descriptive qualitative approach to literature studies. Based on the results of the research, it can be seen that Islamic banking has a role not only in financing that is free from usury or interest, gambling and uncertainty, but also in all stages of the halal value chain or stages of the production process. Islamic banking has an important role in developing and improving the halal food industry sector which goes through three stages of halal integrity. The first stage is the halal process, the second is logistics and the third is halal verification.
PENERAPAN LITERASI KEUANGAN SYARIAH PADA SEKOLAH AN-NIKMAH PHNOM PENH, KAMBOJA Muhammad Mahardhiko; Rahmayati
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 2 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

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

Abstract

This study aims to analyze the implementation of Islamic financial literacy at An-Nikmah School in Phnom Penh, Cambodia. The research method used is a qualitative descriptive method with data collection techniques through observation, interviews, and documentation of students representing 30 people divided between grades 8 and 9. The results of the study indicate that Islamic financial literacy in this school is still low due to the lack of education and the lack of teaching materials available in a language that is easy for students to understand. To overcome this, various strategies are carried out such as the integration of Islamic financial literacy into the curriculum, sharia transaction simulations, and wider socialization to students and educators. The conclusion of this study found that there is a great opportunity to improve Islamic financial literacy by utilizing digital technology and support from the local Muslim community. Increasing Islamic financial literacy is expected to help students understand and apply the principles of Islamic finance in everyday life. Keywords : Islamic financial literacy, financial education, improvement
Analysis of Management of Santri Mini Bank (BMS) on Quran Memorization Institute Foundation Islamic Centre North Sumatra Margolang, Yusrinaldi Rahman; Rahmayati
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.7552

Abstract

The purpose of this study is to analyze financial managementSantri Mini Bank (BMS) inQuran Memorization Center FoundationIslamic Center of North Sumatra. BMS is here as a solution to students' financial problems, such as sending funds from guardians and the risk of losing money.The methods used are those that have a case study approach through interviews, observations and documentation. The results showThe manual system creates operational challenges such as queues and delays in disbursement of funds. Digitization through e-money and information technology-based record-keeping is recommended to improve efficiency, transparency, and accountability. With the right strategy, BMS has the potential to become a secure and educational financial system for Islamic boarding school students.
Strategi Peningkatan Inklusi Keuangan Syariah di Sekolah An-Nikmah Kamboja Wardana Solin, Farhan; Rahmayati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i8.9407

Abstract

                This study aims to analyze strategies for increasing Islamic financial inclusion at An-Nikmah School in Cambodia, an Islamic educational institution in a country with a Muslim minority population. The main challenge faced is students' limited practical understanding of and access to Islamic financial products. This research used a descriptive-qualitative case study approach. Data were collected through in-depth interviews, participant observation, and document analysis with 33 participants, including students, teachers, school administrators, parents, community leaders, and financial practitioners. The results reveal internal strengths in the form of a commitment to Islamic principles, as well as challenges such as limited learning resources and technological infrastructure. The resulting strategies include the development of an integrated curriculum, teacher training, a mini-finance laboratory, a family literacy program, and partnerships with regional Islamic financial institutions. Implementation requires a phased approach with a monitoring system and innovative learning technology. This research provides an empirical contribution to strengthening Islamic financial literacy in education in a Muslim minority country.
Co-Authors Abdullah Sani Adhatia, Raihan Ahmad Afandi Ahmad Affandi Anggraini, Sholawatin Meisya Ardila Putri Br Sebayang, Nur Isma Tasya Dara Fariz Hafizh Zulfi Barus, Fariz Gea, Ulfa Mardiah Irzatul FIra Mardiah, Ulfa Margolang, Yusrinaldi Rahman Muhammad Arifin Lubis Muhammad Mahardhiko Sabina sinurat, Nuriyani Devi Siregar, Chaliza Aini Siti Mujiatun Sohibul Wafa Fadlan Zamil Wahyu Fitria Anggraini Wardana Solin, Farhan