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All Journal ILTIZAM Journal of Sharia Economic Research Jurnal Investasi Islam Moneter : Jurnal Keuangan dan Perbankan
Mutia Sumarni
Institut Agama Islam Negeri Langsa
Computer Science & IT Economics, Econometrics & Finance

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The Role of Zakat Collection by Baitul Mal in Overcoming Poverty in Langsa City Mutia Sumarni
ILTIZAM Journal of Shariah Economics Research Vol. 5 No. 1 (2021): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v5i1.665

Abstract

Aceh is one of the provinces with a high poverty rate and is also a region with a high poverty rate in Sumatra, including Langsa City. Therefore, one of the efforts to alleviate poverty in Langsa City is by utilizing zakat funds managed by the Baitul Mal Institute, which will later be distributed to the poor in Langsa City. This study aims to identify the role of the Baitul Mal Institution in alleviating poverty and improving the welfare of the people of Langsa City. This study uses a qualitative descriptive method with primary and secondary data sources. From the research results, it is concluded that the distribution of zakat funds to the poor is still ineffective and still not on target so that people still do not feel prosperity.
Investasi Syariah Pada Aset Riil UMKM Halal: Kedai Kopi, Ruang Digital, dan Reproduksi Identitas Perempuan Muda Pasca Shariatisme di Aceh Agustinar; Mutia Sumarni; Dessy Asnita
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/qthkpy62

Abstract

Sharia investment in real assets constitutes a crucial pillar in strengthening the Islamic economy, particularly in relation to the sustainability of halal MSMEs. However, in much of the existing literature, Islamic investment is often narrowly understood as a purely financial activity, while the social and cultural dimensions that shape the value of real assets tend to be overlooked. Against this backdrop, this article examines coffee shops in Aceh as a form of halal MSME real asset that has developed within social and digital spaces following the implementation of Islamic law (Sharia).This study employs a qualitative case study approach. Data were collected through field observations, in-depth interviews with business owners, employees, and customers, as well as an analysis of coffee shops’ social media activities. The data were analyzed thematically to understand how Sharia investment value is constructed through everyday practices, social interactions, and digital representations. The findings reveal that coffee shops in Aceh function not merely as business entities but as spaces for the production of Sharia investment value grounded in social legitimacy, adherence to halal norms, and the strategic use of digital platforms. The reproduction of the syar’i-modern young female identity emerges as part of this process, operating as symbolic capital that fosters a sense of safety, social acceptance, and public trust. Nevertheless, the study also identifies tensions between symbolic imagery and managerial practices that may affect the sustainability of investment value.This research underscores that Sharia investment based on real assets should be understood as a dynamic and socially embedded socio-economic process, rather than merely a matter of financial returns.
Analisis Tingkat Literasi Keuangan Syariah Terhadap Kesejahteraan Pegawai Negeri Sipil di Desa Blang Bitra Kota Peureulak Fazillatul Rhina; Mutia Sumarni; Ade Fadillah FW Popos
Jurnal Investasi Islam Vol. 10 No. 2 (2025): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v10i2.9737

Abstract

Di Desa Blang Bitra terdapat PNS yang mengalami masalah di mana masih kurangnya program edukasi tentang keuangan syariah, masih jarang ada pelatihan atau seminar yang diadakan untuk meningkatkan pengetahuan PNS tentang keuangan syariah, metode penelitian ini menggunakan metode kualitatif. Jenis penelitian yang digunakan penelitian lapangan. Sumber data berupa informan yaitu dengan Pegawai Negeri Sipil di Desa Blang Bitra Kota Peureulak. Hasil dari penelitian ini menunjukkan bahwa, tingkat literasi keuangan syariah di kalangan Pegawai Negeri Sipil di Desa Blang Bitra Kota Peureulak menunjukkan variasi dalam pemahaman dan pengetahuan mengenai konsep, produk, dan layanan keuangan syariah. Selanjutnya Faktor tingkat literasi keuangan syariah di kalangan Pegawai Negeri Sipil di Desa Blang Bitra Kota Peureulak adalah faktor edukasi, pelatihan, seminar dan sosialisasi. Serta adanya Kendala yang dihadapi Pegawai Negeri Sipil di Desa Blang Bitra Kota Peureulak kurangnya informasi dan pemahaman mendalam tentang prinsip-prinsip keuangan syariah serta kompleksitas dalam menerapkannya dalam kehidupan sehari-hari, sehingga Tingkat kesejahteraan Pegawai Negeri Sipil di Desa Blang Bitra Kota Peureulak dalam Literasi Keuangan Syariah meningkat, adanya pemahaman dan penerapan literasi keuangan syariah, yang membantu PNS mengelola keuangan dengan lebih bijak dan stabil, serta menghindari praktik keuangan yang bertentangan dengan ajaran Islam seperti riba.
The Influence of User Reviews, Digital Customer Service Quality, and Social Media Promotion on Generation Z's Interest in Gold Investment (BSI E-Mas) Jihan Khairani; Mutia Sumarni; Friska Anggi Siregar
Moneter: Jurnal Keuangan dan Perbankan Vol. 14 No. 1 (2026): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v14i1.2956

Abstract

This study aims to analyze the influence of user reviews, digital customer service quality, and social media promotions on gold investment interest (e-gold BSI) in Generation Z. The study uses a quantitative approach with a causal design. The research sample consisted of 100 respondents selected using a purposive sampling technique. The analytical method used is descriptive analysis and multiple linear regression with the help of SPSS. The results of the study indicate that simultaneously user reviews, digital customer service quality, and social media promotions have a significant effect on gold investment interest (e-gold BSI) in Generation Z. This is proven by the results of the F test with a significance value of 0.000 <0.05 and a calculated F value of 169.364. Partially, user reviews have a positive and significant effect on investment interest with a significance value of 0.005 <0.05 and a calculated t of 2.898 > t table 1.661. The social media promotion variable also had a positive and significant effect, with a significance value of 0.000 < 0.05 and a calculated t-value of 5.756 > t-table value of 1.661. Meanwhile, the quality of digital customer service did not significantly influence gold investment interest, with a significance value of 0.250 > 0.05 and a calculated t-value of 1.158 < t-table value of 1.661. The Adjusted R-square value of 0.836 indicates that 83.6% of the variation in gold investment interest can be explained by the three independent variables in this study.
Co-Authors Ade Fadillah FW Popos Agustinar Dessy Asnita Fazillatul Rhina Friska Anggi Siregar Jihan Khairani