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All Journal Sosiohumaniora Martabe : Jurnal Pengabdian Kepada Masyarakat AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah
Mai Simahatie
Universitas Islam Kebangsaan Indonesia
Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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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

Abstract

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

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Abstract

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

Abstract

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.
Co-Authors Andri Soemitra Azhari Azhari Chairul Bariah Cut Santika Emalia Ariska Fatimah Zuhra Irne Aryanie Irvan Murizal Iskandar Iskandar Kamaruddin Kamaruddin Nurjannah Nurjannah Rahmi Rahmi Rahmi Rahmi Zahara Zahara