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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) YUDHISTIRA : Jurnal Yurisprudensi, Hukum dan Peradilan Ulil Albab Masterpiece Journal Society Service Insight JUPIKMAS Jurnal Pengabdian Kepada Masyarakat 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
Pengenalan Model Bisnis UMKM (Hijab) Berbasis Syariah Sebagai Sarana Pembelajaran Bisnis Untuk Upaya Peningkatan Keterampilan Ekonomi Terhadap Siswa SMA Muhammadiyah 9 Makassar Khairatunnisa Wahab; Siti Walida Mustamin; Hana Dewi Nur; Sitti Aliyah; Mutmainna Salsabila; Hana Safitri; Rifna Nur Qadria; Nurfitri Novita Sarif; Nurfadillah Nurfadillah; Ainin Syafitri; Irda Saputri
Jurnal Ekonomi dan Bisnis Digital Vol. 2 No. 4 (2025): April - Juni
Publisher : CV. ITTC INDONESIA

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Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran vital (Awa, 2024) (Ayif Fathurrahman, 2019) (Salman Al Farisi, 2022) (Maleha, 2015) dalam menjaga stabilitas perekonomian nasional dan meningkatkan kesejahteraan masyarakat, terutama melalui penciptaan lapangan kerja dan pemberdayaan ekonomi lokal. Ketangguhan UMKM, yang terbukti mampu bertahan dalam krisis ekonomi seperti tahun 1998, menjadikannya sektor yang strategis dalam mendukung pertumbuhan ekonomi inklusif. Namun, pengembangan UMKM di Indonesia masih menghadapi berbagai tantangan, termasuk keterbatasan akses modal, rendahnya literasi keuangan, serta minimnya pendampingan dan inovasi produk. Secara keseluruhan, sinergi antara penguatan kelembagaan UMKM dan dukungan dari sistem keuangan syariah menjadi kunci dalam mempercepat upaya pengentasan kemiskinan dan peningkatan kesejahteraan masyarakat. Oleh karena itu, pengembangan UMKM berbasis nilai-nilai syariah perlu terus ditingkatkan melalui inovasi, edukasi, dan kolaborasi lintas sektor guna membangun ekonomi masyarakat yang berkeadilan dan berkelanjutan.
Hukum Islam dan Pengelolaan Keragaman Sosial: Resolusi Konflik Identitas dalam Perspektif Moderasi Beragama Mega Mustika; Ridwan Malik; Siti Walida Mustamin
YUDHISTIRA : Jurnal Yurisprudensi, Hukum dan Peradilan Vol. 3 No. 4 (2025): Desember
Publisher : Cv. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/yudhistira.v3i4.2416

Abstract

The tension between the ideal of unity and the reality of social diversity in multicultural societies through the perspective of Islamic law. In the Indonesian context, such tension is not merely conceptual but is manifested in identity-based conflicts, divergent religious interpretations, interreligious relations, and the politicization of religion in the public sphere. Employing a normative-sociological approach with a library-based research design, this study analyzes classical and contemporary Islamic legal sources alongside relevant socio-religious phenomena. The article explores fundamental principles of Islamic law such as tawhid (oneness), ukhuwwah (brotherhood), ta‘aruf (mutual recognition), ikhtilaf (legitimate difference), and al-‘adl (justice) as normative foundations for managing diversity. The aim of this study is to explain the role of Islamic legal principles in managing social tensions in multicultural societies in order to achieve social harmony and integrity. The findings indicate that an Islamic legal approach grounded in maslahah (public interest), wasathiyah (moderation), and tasamuh (tolerance) has significant potential to reduce identity-based conflicts and promote social harmony. When interpreted contextually and moderately, Islamic law functions not only as a religious normative system but also as a social institution capable of safeguarding cohesion in plural societies. These findings underscore the importance of strengthening a moderate paradigm of Islamic law as both an ethical and juridical reference for managing social diversity in plural states.
Pemberdayaan Anak Panti Asuhan Jannatul Ma'wa melalui Sosialisasi dan Pelatihan Keterampilan Kreatif Ririn Sri Arianti; Siti Walida Mustamin; Hanisah Islania; Herti Angreani; Nadya Lestari; Nurul Alvina; Sri Wahyuni; Sitti Nuraisyah; Adelia Pratiwi; Ananda Afia Azzahrah; Asrul Sani; Zulfahmi Ahmad; Muh. Rizki
Jurnal Pengabdian kepada Masyarakat Indonesia Vol 1 No 3 (2026): April-Juli
Publisher : Samudra Ilmu Indonesia

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Abstract

Kegiatan pengabdian ini dirancang untuk membekali anak-anak Panti Asuhan Jannatul Ma’wa dengan keterampilan kreatif sebagai bentuk pemberdayaan yang menumbuhkan kemandirian dan jiwa kewirausahaan sejak dini. Pelaksanaannya menempuh tiga tahap utama, yakni penyampaian materi, diskusi, dan praktik langsung pembuatan produk kreatif sederhana berupa tempat pensil dari botol plastik bekas. Hasil kegiatan memperlihatkan peningkatan yang berarti pada aspek kreativitas, kepercayaan diri, kesadaran lingkungan, dan keterampilan anak. Anak-anak panti asuhan terbukti mampu menghasilkan produk kreatif secara mandiri yang memiliki nilai ekonomi sekaligus nilai estetika. Melalui program ini, mereka tidak hanya memperoleh keterampilan praktis baru, tetapi juga bekal motivasi dan kemampuan nyata untuk hidup mandiri kelak setelah meninggalkan panti.
Pemberdayaan Panti Asuhan Melalui Pendampingan Manajemen Usaha Hijau Berbasis Nilai-Nilai Islam Siska Putri Utami; Nur Fadhilah; Nurul Utami Bashar; Andriyansya; Dwi Wulandari; M. Baihaqi Akhdan; Nur Ashila; Siti Hardiana; St. Nur Sakina; Nadiah; Nadila Talib; Riska Aulia; Nor Laila; Siti Walida Mustamin
Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 3 (2026): Edisi: Mei-Juli
Publisher : Pustaka Bangsa Indonesia

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Abstract

Permasalahan sampah plastik yang terus meningkat menuntut keterlibatan aktif seluruh elemen masyarakat, termasuk lembaga sosial seperti panti asuhan. Pengabdian kepada masyarakat ini dilaksanakan di Panti Asuhan Raodah Makassar dengan tujuan meningkatkan pengetahuan dan kesadaran anak-anak mengenai pengelolaan lingkungan hidup yang berlandaskan nilai-nilai Islam melalui pelatihan manajemen usaha hijau. Metode pelaksanaan mencakup empat tahapan, yakni observasi awal, penyuluhan prinsip manajemen Islami, simulasi bisnis hijau dan praktik daur ulang, serta pelatihan digital marketing Islami sederhana. Materi dirancang khusus untuk anak usia sekolah dasar dengan pendekatan interaktif, permainan edukatif, dan contoh-contoh konkret dari kehidupan sehari-hari. Hasil kegiatan menunjukkan peningkatan pemahaman peserta terhadap tiga prinsip manajemen Islami syura, amanah, dan efisiensi serta kemampuan memanfaatkan kembali barang bekas menjadi produk kreatif bernilai guna. Program ini berkontribusi pada pembentukan karakter anak yang religius, kreatif, dan peduli terhadap kelestarian lingkungan di Panti Asuhan Raodah Makassar.
Edukasi Green Management dan Eco-Leadership Berbasis Prinsip Manajemen Islami Ismar Jayanto; Gita Avyana; Khesya Aulia; Sahwa; Sri Wahyuni; Ahmad Fahri; Muh. Ikbal Setiawan; Nurdiana; Ignia Amelia Darwis; Dian Putri Faizal; Muhammad Rezky Febriamin; Dimas; Siti Walida Mustamin
Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 3 (2026): Edisi: Mei-Juli
Publisher : Pustaka Bangsa Indonesia

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Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan kesadaran lingkungan pada anak binaan Panti Asuhan Anugrah melalui penerapan Green Management dan Eco-Leadership berbasis prinsip Manajemen Islami. Program mengintegrasikan nilai keadilan, amanah, dan efisiensi dengan metode partisipatif berupa diskusi interaktif, permainan edukatif, serta praktik penanaman tanaman. Pelaksanaan kegiatan mendorong peserta memahami pelestarian lingkungan sebagai tanggung jawab sosial sekaligus ibadah. Hasil kegiatan menunjukkan adanya peningkatan pengetahuan, sikap, dan komitmen peserta terhadap perilaku ramah lingkungan. Peserta mampu memahami pentingnya pengelolaan lingkungan secara berkelanjutan serta termotivasi untuk menerapkan kebiasaan sederhana yang mendukung kelestarian lingkungan dalam kehidupan sehari-hari. Program ini menunjukkan bahwa integrasi pendidikan lingkungan dengan nilai-nilai Islam efektif dalam membangun karakter peduli lingkungan pada anak panti asuhan.
Co-Authors Abd. Rahman Abda Abda Abdillah S Abubakar Iskandar Adelia Albina Putri A. Adelia Pratiwi Afifah Adliah Ahmad Azhary Anas Ahmad Fahri Aidil Marzuki Ainin Syafitri Akbar Mubarak Akbar Sakir Alamsyah - Alifa Dzahabiyah Sir Amin, Saifuddin Ananda Afia Azzahrah Andi Hakim Rasyid Andi Muh. Ghazi Alghifari Andriyansya Anggraeni Ramadhani Arini Arjuna Amrum Amir Asrahiyah Febrianti Asrul Sani Celsi Cahyani Heriana Dian Putri Faizal Dian Sasmita Dimas Dwi Wulandari EIIi Fadlia Indasari Fahrul Fadli Adifsah Fitrayani, Fitrayani Gita Avyana Hajra Hajra Hana Dewi Nur Hana Safitri Hanisah Islania Hariansyah Hasanuddin, Hasanuddin Hasniwati Herlina Herlina Herti Angreani Ignia Amelia Darwis Indah Suryani Ingka, Hasanuddin Irda Saputri Isma Stefani Ismar Jayanto Jasri, Jasri Jasri, Jasri Junada Khairatil Mar’ah Khairatunnisa Wahab Khairiyah Khesya Aulia Ladi Elsa Gita B Lutfi Andi Abrar Lutfia Arfan M. Baihaqi Akhdan M. Ridwan Syafruddin Mansyur, Saidin Marwan Mega Fatimah Rosana Mega Mustika Milawati Tammu Mowafg Abrahem Masuwd Muh. Ikbal Setiawan Muh. Ilham Syamsur Muh. Rizki Muh. Syukrianza Muh. Wahyu Iskandar Muhammad Aldi Naufal Saputra Muhammad Ibnu Alif Muhammad Rezky Febriamin Muhammad Ridwan Muhammad Ridwan Muhammad Saleh Musdalifah Musdalifah Musfirat Salsabila Mutahharah Mutmainna Salsabila Mutmainnah Nadiah Nadila Talib Nadya Lestari Nia Nafilah Andani Noka, Isara Abda Nor Laila Nur Aliya Ansar Nur Ashila Nur Fadhilah Nur Indah Cahyani Nurazizah Rusyda Nurdiana Nurfadillah Nurfadillah Nurfitri Novita Sarif Nurmayanti, Sri Nurpaidah, Nurpaidah Nurul Alvina Nurul Amira Hasmin Nurul Izmi Muhajir Nurul Qalbi Insaniah Nurul Utami Bashar Nurul Widiyanti Putri Nabila Ratnadila Anggraini Reski Adi Ridwan Malik Rifna Nur Qadria Ririn Sri Arianti Riska Aulia Riska Fadila Riski Aulia Safitri Nurfianti Sahwa Saidin Mansyur Sakina Papalia Salman Al Farizy Sartika Sartika Satriani Is, Sitti Sayid Ospaullah Sindi Nopitasari Siska Putri Utami Siti Hardiana Siti Nur Azizah Tompunu Sitti Aliyah Sitti Nuraisyah Sri Ayu Ainun Sri Indah Lestari Sri Sulaeni Arif Putri Sri Wahyuni SRI WULANDARI St. Nur Sakina Suci Tri Wardani Suharni Suharni syamsidar syamsidar Tasya Anastasia Ulil Amri Umi Fatira Vivin, Vivin Warda Toatubun Widya Nur Indahsari Yumi Yulfira Yusrianto Yusrianto Zulfahmi Ahmad