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All Journal ASAS : Jurnal Hukum Ekonomi Syariah Jurnal Pilar Jurnal Ilmiah Ekonomi Islam Jurnal Pemberdayaan Masyarakat Madani (JPMM) Martabe : Jurnal Pengabdian Kepada Masyarakat Jurnal Hukum Ekonomi Syariah Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Jurnal Pengabdian Kepada Masyarakat Patikala Jurnal Kaharati JOEL: Journal of Educational and Language Research JEBD Jurnal Hukum Islam Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Ulil Albab Masterpiece Journal Society Service Insight Advances In Education Journal
Mustamin, Siti Walidah
Universitas Muhammadiyah Makassar
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Penguatan Karakter Ekonomi Anak Melalui Pembelajaran Menyenangkan: Studi Kegiatan Pengabdian Masyarakat di SD Muhammadiyah Siti Nur Azizah Tompunu; Hasniwati; Dian Sasmita; Isma Stefani; Nur Indah Cahyani; Sri Sulaeni Arif Putri; Akbar Sakir; Sayid Ospaullah; Fahrul Fadli Adifsah; Asrahiyah Febrianti; Siti Walida Mustamin
Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Vol 3 No 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

Early economic education plays an important role in shaping children's character, habits, and mindset in managing resources wisely. However, its delivery must be adapted to children's level of understanding so that basic concepts such as saving, cooperation, and distinguishing needs from wants can be grasped in a fun and meaningful way. This community service activity aimed to introduce fundamental economic concepts to elementary school students through a learning-by-playing approach. The activity was carried out by students of Universitas Muhammadiyah Makassar at a Muhammadiyah elementary school using interactive methods including economic material delivery, educational games, prayer practice, and social action. The results showed that this approach was effective in enhancing children's understanding and interest in basic economic concepts. The participants were enthusiastic, able to comprehend the material, and demonstrated behavioral changes, such as showing more appreciation for friends and understanding the importance of saving. The school welcomed the program positively and expressed hope for its continuation. Therefore, this fun and educational approach proved successful in fostering early economic literacy while simultaneously shaping positive character traits in children.
Financing Credit Home Ownership Through Contract Murabahah in Sharia Financial Institutions Ingka, hasanuddin; Ridwan, Muhammad; Mustamin, Siti Walidah; Mustika, Mega
ASAS Vol. 16 No. 1 (2024): Asas, Vol. 16, No. 01 Juni 2024
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v16i1.22609

Abstract

This research aims to analyze home ownership credit (KPR) financing through murabahah contracts at sharia financial institutions. Murabahah contracts are one of the popular financing instruments in sharia banking because of their transparent and fair principles, and in accordance with Islamic sharia which avoids usury and gharar. Through qualitative descriptive methods, this research identifies the operational mechanisms of murabahah contracts in mortgage financing, examines the benefits offered, and evaluates the challenges faced by sharia financial institutions in their implementation. The research results show that murabahah contracts provide various benefits for customers, such as price certainty and fixed installments, which makes financial planning easier. In addition, transparency in the transaction process increases customer trust in Islamic financial institutions. However, this research also found several challenges, including quite high credit risk, the need for a better understanding of sharia products among the public, and compliance with strict regulations.Keywords: KPR financing; Murabahah Agreement; Sharia Financial Institutions; Credit Risk; Community Education
Improving Financial Literacy and Saving Spirit of Muhammadiyah Perumnas Elementary School Students Nurul Qalbi Insaniah; Siti Walida Mustamin; Safitri Nurfianti; Lutfi Andi Abrar; Nurul Amira Hasmin; Muh. Syukrianza; Andi Muh. Ghazi Alghifari; Marwan; Muh. Wahyu Iskandar; Salman Al Farizy; Muh. Ilham Syamsur
Masterpiece Vol. 1 No. 2 (2025): August 2025
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/14j89m45

Abstract

Financial literacy is a fundamental life skill that needs to be introduced from an early age to foster responsible financial behavior. In Indonesia, the financial literacy index remains relatively low, particularly among children, which highlights the urgency of providing practical and engaging financial education at the elementary level. This community service program was designed to enhance the financial literacy and saving spirit of third-grade students at Muhammadiyah Perumnas Elementary School, Makassar. A total of 21 students participated in a two-hour interactive session employing a combination of lectures, evaluative quizzes, and the distribution of learning tools such as saving-target piggy banks. The educational content covered the definition of financial literacy, the concept and benefits of saving, distinguishing needs from wants, and simple saving methods. The findings revealed a significant improvement in students’ understanding of core financial concepts. The active participation and enthusiasm displayed by the students indicated that the methods used were effective in increasing awareness and encouraging positive financial habits. Furthermore, the program successfully instilled motivation for saving by providing tangible tools that supported daily practice. These results suggest that financial education at the primary school level can lay a strong foundation for long-term financial responsibility and independence. Broader implementation of similar initiatives is recommended to support national efforts in improving financial literacy and to prepare younger generations for future economic challenges.
SOSIALISASI MAPPAKATENNI GALUNG (GADAI SAWAH) DALAM PERSFEKTIF SYARI’AT DI KELURAHAN FAKKIE’ KEBUPATEN PINRANG Jasri Jasri; Siti Walidah Mustamin; Lutfia Arfan
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 6, No 2 (2023): martabe : jurnal pengabdian kepada masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v6i2.412-420

Abstract

Praktik mappakatenni galung (gadai sawah) yang dilakukan umumnya berupa perjanjian secara lisan antara kedua belah pihak tentang luas sawah dan jumlah uang gadai, dengan tidak menyebutkan masa gadainya oleh masyarakat di Kel. Fakkie Kec. Tiroang Kab. Pinrang dan terlihat saling menguntungkan. Yang menjadi persoalan dalam sistem pelaksanaan gadai sawah ini adalah petani akan sulit mengembalikan uang kepada pemilik uang dikarenakan tanah tersebut masih dalam perjanjian gadai, sawah yang menjadi pendapatan pokok keluarga digarap oleh pemilik uang. Pelaksanaan gadai ini juga seringkali menyebabkan petani terpaksa menjual tanahnya dengan harga murah, karena petani tidak memiliki daya tawar kepada si pemilik uang. Hal ini mendorong petani untuk mencari pinjaman dan mengakibatkan petani tidak memiliki pekerjaan lagi, padahal tanah itu adalah satu-satunya penghasil keluarga. Tujaun dari pelaksanaan Pk Mini yaitu: 1) Membentuk komunitas masyarakat untuk mengawal pelaksanaan mappakatenni galung (gadai sawah) di Kel. Fakkie Kec. Tiroang Kab. Pinrang; 2) Melaksanakan seminar sosialisasi praktik mappakatenni galung (gadai sawah) yang sesuai prinsip syari’at di Kel. Fakkie Kec. Tiroang Kab. Pinrang; 3) Melakukan pendampingan kepada komunitas masyarakat yang telah dibentuk secara berkelanjutan.
Analisis Kepatuhan Warga Muhammadiyah Terhadap Penggunaan Bank Syariah (Studi Kasus Universitas Muhammadiyah Makassar) Ahmad Azhary Anas; Muhammad Ridwan; Siti Walida Mustamin
Advances In Education Journal Vol. 2 No. 4 (2026): Advances In Education Journal (Februari)
Publisher : Yayasan Al-Afif

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Abstract

This study examines the level of compliance of Muhammadiyah members at Universitas Muhammadiyah Makassar in using Islamic banking services and identifies the factors influencing such compliance. Employing a descriptive qualitative approach, data were collected through in-depth interviews, observations, and document analysis involving students and academic community members. The findings indicate that the level of compliance in using Islamic banks remains relatively low, despite the institution’s strong Islamic values. This condition is primarily influenced by limited Islamic financial literacy, misconceptions regarding the differences between Islamic and conventional banks, environmental and social influences, and perceived convenience of conventional banking services. From an Islamic perspective, compliance in financial transactions is closely linked to religious awareness and adherence to Sharia principles. Therefore, strengthening Islamic financial education, enhancing the Islamic campus culture, and fostering collaboration between universities and Islamic banks are essential strategies to improve Sharia banking compliance within Islamic higher education institutions
Co-Authors Abd. Rahman Abda Abda Abdillah S Abubakar Iskandar Afifah Adliah Ahmad Azhary Anas Aidil Marzuki Akbar Sakir Alamsyah - Alifa Dzahabiyah Sir Amin, Saifuddin Andi Hakim Rasyid Andi Muh. Ghazi Alghifari Anggraeni Ramadhani Arini Arjuna Amrum Amir Asrahiyah Febrianti Dian Sasmita EIIi Fadlia Indasari Fahrul Fadli Adifsah Fitrayani, Fitrayani Hajra Hajra Hariansyah Hasanuddin, Hasanuddin Hasniwati Herlina Herlina Ingka, Hasanuddin Isma Stefani Jasri, Jasri Jasri, Jasri Khairatil Mar’ah Ladi Elsa Gita B Lutfi Andi Abrar Lutfia Arfan M. Ridwan Syafruddin Mansyur, Saidin Marwan Masuwd, Mowafg Mega Fatimah Rosana Mega Mustika Muh. Ilham Syamsur Muh. Syukrianza Muh. Wahyu Iskandar Muhammad Aldi Naufal Saputra Muhammad Ridwan Muhammad Ridwan Muhammad Saleh Musdalifah Musdalifah Mutahharah Nia Nafilah Andani Noka, Isara Abda Nur Indah Cahyani Nurazizah Rusyda Nurmayanti, Sri Nurpaidah, Nurpaidah Nurul Amira Hasmin Nurul Izmi Muhajir Nurul Qalbi Insaniah Ratnadila Anggraini Reski Adi Riska Fadila Riski Aulia Safitri Nurfianti Saidin Mansyur Sakina Papalia Salman Al Farizy Sartika Sartika Satriani Is, Sitti Sayid Ospaullah Sindi Nopitasari Siti Nur Azizah Tompunu Sri Ayu Ainun Sri Indah Lestari Sri Sulaeni Arif Putri SRI WULANDARI Suci Tri Wardani Suharni Suharni syamsidar syamsidar Ulil Amri Umi Fatira Vivin, Vivin Warda Toatubun Widya Nur Indahsari Yumi Yulfira Yusrianto Yusrianto