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ARE CONVENTIONAL RURAL BANKS MORE EFFICIENT THAN SHARIA: EMPIRICAL EVIDENCE FROM DEA Azhari Azhari; Kamaruddin Kamaruddin; Irvan Murizal; Mai Simahatie
Sosiohumaniora Vol 24, No 1 (2022): Sosiohumaniora: Jurnal Ilmu-Ilmu Sosial dan Humaniora, MARCH 2022
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/sosiohumaniora.v24i1.35546

This study examined and compared the efficiency level of conventional and Islamic rural banks. The analytical tool used was data envelopment analysis with the variable return scale approach. Furthermore, the input variables consist of total assets, third party funds, and costs. Meanwhile, the total financing and profit are the output variables from 2012 to 2019 for 15 rural banks in Aceh. The results showed conventional rural banks are more efficient than sharia. Therefore, Sharia banks need to engage in better socialization to the public. This is because 2021 is the beginning of qanun (law) of Islamic financial institutions enactment, which obliges change in shape to the sharia pattern. Also, universities are expected to open a study program on sharia bank as a rudiment for human resources in the future. Therefore, the study to compare conventional and sharia rural bank per province in Indonesia is important.

Studi Literatur Hukum Hybrid Contract Di Lembaga Keuangan Syariah Dari Berbagai Perspektif Mai Simahatie; Andri Soemitra
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Publisher : Universitas Muhammadiyah Sumatera Utara

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

This study aims to find out the hybrid contract law in Islamic financial institutions from various perspectives. The methodology of this study is a qualitative research design with a literature review research design and using a publish or perish application to collect articles. The results show that from 2017 to 2021 several studies related to hybrid contract law have been carried out from various perspectives, including 1. Hybrid contracts based on the maqhosid al-Shari'ah perspective, 2. Hybrid contracts based on the hadith perspective, 3. Hybrid contracts based on the scholars' perspective four madzhab, 4. Hybrid contracts are based on the perspective of fiqh muamalah, and from each of these points of view convey views on the halalness of hybrid contracts.

PENYULUHAN TENTANG LITERASI KEUANGAN DIGITAL PADA PEREMPUAN DI DESA COT MESJID KABUPATEN BIREUEN Munawarah Munawarah; Rahmi Rahmi; Irne Aryanie; Nurjannah Nurjannah; Chairul Bariah; Iskandar Iskandar; Mai Simahatie; Emalia Ariska
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.%p

Desa cot mesjid merupakan desa binaan yang terkenal dengan kerajinan bordir dan terdapat kelompok pengrajin wanita yang menjadi tumpuan peningkatan ekonomi masyarakat. Oleh karena itu, tim pengabdi bertujuan untuk melakukan kegiatan sosialisasi terkait literasi keuangan digital di Kabupaten Bireuen. Pelaksanaan pengabdian ini berlokasi di Desa cot mesjid Kecamatan Juli Kabupaten Bireuen dengan sasaran perempuan pengrajin bordir dan komunitas perempuan yang menggunakan gadget dan menggunakan internet dalam aktivitas sehari-hari. Hasil dari pengabdian ini adalah masih banyak perempuan pengrajin bordir yang belum mengetahui resiko penggunaan platform keuangan digital seperti Phishing, Phraming Mobile, Sniffing, Money Mule dan Social Engineering. Selain itu masih banyak yang bingung dalam memilih platform yang tepat untuk digunakan, sehingga ada penyuluhan dari tim pengabdi Universitas Islam Kebangsaan Indonesia. Komunitas perempuan pengrajin bordir menjadi sadar akan platform dan informasi yang harus mereka pilih dan pilah untuk menghindari penyalahgunaan data pribadi.

PENYULUHAN TENTANG LITERASI KEUANGAN DIGITAL PADA PEREMPUAN DI DESA COT MESJID KABUPATEN BIREUEN Munawarah Munawarah; Rahmi Rahmi; Irne Aryanie; Nurjannah Nurjannah; Chairul Bariah; Iskandar Iskandar; Mai Simahatie; Emalia Ariska
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.%p

Desa cot mesjid merupakan desa binaan yang terkenal dengan kerajinan bordir dan terdapat kelompok pengrajin wanita yang menjadi tumpuan peningkatan ekonomi masyarakat. Oleh karena itu, tim pengabdi bertujuan untuk melakukan kegiatan sosialisasi terkait literasi keuangan digital di Kabupaten Bireuen. Pelaksanaan pengabdian ini berlokasi di Desa cot mesjid Kecamatan Juli Kabupaten Bireuen dengan sasaran perempuan pengrajin bordir dan komunitas perempuan yang menggunakan gadget dan menggunakan internet dalam aktivitas sehari-hari. Hasil dari pengabdian ini adalah masih banyak perempuan pengrajin bordir yang belum mengetahui resiko penggunaan platform keuangan digital seperti Phishing, Phraming Mobile, Sniffing, Money Mule dan Social Engineering. Selain itu masih banyak yang bingung dalam memilih platform yang tepat untuk digunakan, sehingga ada penyuluhan dari tim pengabdi Universitas Islam Kebangsaan Indonesia. Komunitas perempuan pengrajin bordir menjadi sadar akan platform dan informasi yang harus mereka pilih dan pilah untuk menghindari penyalahgunaan data pribadi.

STRATEGI IMPLEMENTASI SPORT TOURISM BERBASIS ISLAMI DALAM MENDUKUNG EKONOMI KREATIF Iskandar Iskandar; Agung Cahyadi; Mai Simahatie; Sri Yanna; Jamaluddin Jamaluddin
Jurnal Abdi Negeriku Vol 5, No 1 (2026): Jurnal Abdi Negeriku
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35580/jan.v5i1.84966

AbstrakKegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan kapasitas pengelola destinasi wisata di sekitar Danau Lut Tawar dalam mengimplementasikan sport tourism berbasis Islami guna mendukung ekonomi kreatif masyarakat. Permasalahan yang dihadapi mitra meliputi masih rendahnya pemahaman tentang wisata olahraga Islami, pengelolaan event wisata, serta promosi digital destinasi wisata. Metode pelaksanaan dilakukan melalui bimbingan teknis dengan pendekatan partisipatif dan edukatif berupa ceramah, diskusi, praktik, dan pendampingan. Hasil kegiatan menunjukkan adanya peningkatan pemahaman dan keterampilan peserta dalam mengembangkan konsep sport tourism berbasis Islami, pengelolaan destinasi wisata, serta promosi ekonomi kreatif lokal. Berdasarkan hasil pre-test dan post-test terhadap 35 peserta, tingkat pemahaman peserta meningkat dari rata-rata 61,4% sebelum pelatihan menjadi 86,7% setelah kegiatan dilaksanakan. Selain itu, sebanyak 82% peserta menyatakan telah memahami strategi implementasi sport tourism berbasis Islami, sementara 78% peserta mampu menyusun rancangan awal pengembangan destinasi wisata olahraga yang terintegrasi dengan nilai-nilai Islami dan budaya lokal.Kata Kunci: Danau Lut Tawar, Ekonomi Kreatif, Sport Tourism, Wisata Islami..AbstractThis community service activity aimed to improve the capacity of tourism destination managers around Danau Lut Tawar in implementing Islamic-based sport tourism to support the development of the creative economy. The main problems identified included the limited understanding of Islamic sport tourism, tourism event management, and digital promotion strategies among tourism managers. The implementation method used participatory and educational approaches through technical guidance activities, including lectures, discussions, simulations, and mentoring. Participants consisted of tourism managers, tourism awareness groups (Pokdarwis), MSME actors, and local communities around the tourism area. Based on pre- and post-test results from 35 participants, their understanding increased from an average of 61.4% before the training to 86.7% after the training. Furthermore, 82% of participants stated they understood the strategy for implementing Islamic-based sports tourism, while 78% were able to develop an initial design for developing a sports tourism destination integrated with Islamic values and local culture.Keywords: Lut Tawar Lake, Creative Economy, Sports Tourism, Islamic Tourism

IMPROVING FARMER FINANCIAL MANAGEMENT AND EMPOWERMENT TO BECOME INDEPENDENT FARMERS FOR POVERTY ERADICATION IN GAMPONG MEUNASAH KRUENG VILLAGE, PEUDADA DISTRICT, BIREUEN REGENCY Sri Yanna; Naziratil Husna; Mirza; Mai Simahatie; Sarah Nadia; Selpi Tiara
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 5 No. 3 (2025): November 2025 - February 2026
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19447326

This community service program aims to empower Farmer Groups in Meunasah Krueng Village, Peudada District, Bireuen Regency, through training and assistance in increasing agricultural productivity and strengthening farmers' financial management. The main problems faced by partners are low rice production, weak managerial skills, and dependence on middlemen. The implementation method includes socialization, training (technical guidance), application of appropriate technology, mentoring, and evaluation. The results of the activity showed an increase in rice productivity from 3.5 tons to 6.8 tons per hectare, an increase in financial recording capabilities, and the independence of farmers in business planning. This program supports the achievement of SDGs number 1 (No Poverty), 2 (No Hunger), 8 (Decent Work and Economic Growth), and 12 (Responsible Consumption and Production).

PERANAN BUM DESA DALAM MENINGKATKAN KESEJAHTERAAN DESA Mai Simahatie; Munawarah Munawarah; Cut Santika; Fatimah Zuhra; Rahmi Rahmi; Zahara Zahara
Multidisiplin Pengabdian Kepada Masyarakat Vol. 1 No. 03 (2022): Multidisiplin Pengabdian Kepada Masyarakat, Oktober- Desember 2022
Publisher : Sean Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58471/pkm.v1i03.675

The Role of Village Owned Enterprises (Bumdes) in Improving Community Welfare in Kuala Raja Village, Bireuen Regency. Development is an orientation in activities to advance the nation, including processes, one of which is village development which must be carried out in a planned manner and touch the real needs of rural communities. regarding the role of Village Owned Enterprises (BUMDes) In improving the welfare of the community so that the BUMDes program is effective and targeted, how is the role of village-owned enterprises (BUMDes) in improving the welfare of the people in the village. Kuala Raja village. This PKM aims to find out how the role of BUMDes in improving the welfare of the community. The results of this pkm show that: 1) Seeing from the activities of BUMDes, it is clear that it helps the people of Kuala Raja to further improve their welfare because seen from the programs that are being run, there is nothing that harms the community but adds or increases he income of the community and the income of the Kuala Raja village.

Effect of Fundamental Factors on Stock Return (On LQ-45 Index Companies In Indonesia Stock Exchange 2017-2020) Mai Simahatie; Lakharis Inuzula
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 1 No. 1 (2022): July
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/jaruda.v1i1.2

This research is an associative research with a quantitative approach.The use of a quantitative approach in this study is intended to test the hypothesis by using statistical calculations to examine the effect of the independent variable on the dependent variable under study. This research will be conducted on the Indonesia Stock Exchange through the official IDX website, namely: http/www.idx.co.id. This research was conducted from July 2021 to December 2021.Typethe data used in this study is quantitative data, namely data measured on a numerical scale (numbers). The population used in this study are companies on the LQ-45 index listed on the Indonesia Stock Exchange from 2017 - 2020, where there are 45 LQ-45 index issuers which will change every 6 months or the period of February and August every year. year. The sampling technique in this study was purposive sampling which was selected based on certain criteria in accordance with the research objectives.

The Relationship of Culture and Islam in Fatwa National Sharia Board of Indonesian Ulama Assembly No: 107/Dsn-Muj/X/2016 Concerning Guidelines for Operating Hospital Based on Sharia Principles Mai simahatie; Munawarah Munawarah; Reza Juanda; Halida Bahri
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 1 No. 1 (2022): July
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/jaruda.v1i1.3

The purpose of this study was to examine the relationship between culture and Islam in the fatwa of the National Sharia Council-Indonesian Ulema Council No: 107/dsn-muj/x/2016 concerning Guidelines for operating hospitals based on sharia principles. This is important to do because the harmony between culture and standardization of quality indicators of sharia hospital services will make sharia hospitals easily accepted in the community.The design of this research is Literature Review or literature review. Literature research is research conducted using literature (library), either in the form of books, notes, or reports on the results of previous research. The results of the research are almost entirely from the fatwa of the National Sharia Council-Indonesian Ulema Council No: 107/dsn-muj/x/2016 concerning Guidelines for operating hospitals based on sharia principles are closely related or in line with eastern Indonesian culture which upholds the culture of shame, the culture of helping , a culture of advising each other and a culture of clean living.

Study of Literature Researching Factors Affecting Problem Financing in Indonesia's Sharia Banking During 2017-2021 Mai Simahatie; Lakharis Inuzula
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 1 No. 1 (2022): July
Publisher : PT. Radja Intercontinental Publishing

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

This study aims to make a literature review of research related to the factors that affect the financing of non-performing Islamic banking in Indonesia. The importance of this research is because non-performing financing of Islamic banks continues to increase and can be dangerous. This study uses a qualitative descriptive method and collects articles using the publish or perish application with restrictions from 2017 to 2021. The results: the factors that affect non-performing financing in Islamic banking occur due to external factors and internal factors. from internal companies such as procedural errors in providing financing, fraud, analysis errors, managerial abilities, lack of supervision and monitoring,) and from debtors such as character, sick debtors, education, family (internal macro factors of the company). Furthermore, External Factors can be caused by macroeconomics, such as market conditions, government regulations, politics, natural disasters. (Company external macro factors). Meanwhile, macroeconomic factors that influence non-performing financing include inflation, currency exchange rates, GDP, BI Rate and CAR, FDR and so on. , Inflation, Inflation Control Range , BI rate , BOPO CAR, GDP, Rupiah exchange rate ROA, CPI, GDP, LTV, PLS CPI, GDP, CAR, FDR, PLS inflation, exchange rate, profit sharing, and per capita income rate, Wadiah Certificate Bank Indonesia,

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