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Muhammad Zaki
Universitas Samudra
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The Analysis of Sharia Financial Literacy Levels Among Teachers in Islamic Boarding School in Bungo Regency Karimah, Lailatul Karimah; Zaki, Muhammad; Paradina, Novita Eka
Talaa : Journal of Islamic Finance Vol. 5 No. 2: December 2025
Publisher : Department of Sharia Financial Management, Institut Agama Islam Negeri Sultan Amai Gorontalo, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/talaa.v5i2.794

Abstract

This study aims to describe the level and forms of Islamic financial literacy among teachers at Pondok Pesantren Al-Kautsar Babeko.  Islamic financial literacy is important in the Islamic boarding school environment because teachers play a role not only as educators but also as role models in applying economic principles of Islam in daily life.  This research used a qualitative approach with a case study method.  Data were obtained through in-depth interviews, observations, and documentation of several teachers who became research informants. Data analysis was carried out through stages of data reduction, data presentation, and conclusion drawing.  The findings showed that the teachers generally understand the basic concepts of finance, especially those based on Islamic principles, particularly in avoiding usury, gharar, and risky transactions.  However, some teachers still faced difficulties in managing finances in accordance with Islamic principles due to various obstacles.  Supporting factors for Islamic financial literacy included educational background in religion and teaching experience, while inhibiting factors include limited access to information and a lack of specific training in the field of Islamic finance.  These findings are expected to serve as input for Islamic boarding school managers and related stakeholders to improve the capacity of Islamic financial literacy among teachers.
PEMANFAATAN E-COMMERCE UNTUK MEMPERLUAS PASAR UMKM DI KELURAHAN GANTING KOTA PADANG PANJANG DI ERA DIGITAL Putri, Renda; Adhawiyyah , Tiara Rabiatul; Nurzakiyya, Nurzakiyya; Sabrina, Aeryn Febi; Hasanah, Anisalsa Derian; Akbar, Farhan; Safitri, Latifah; Zaki, Muhammad; Khairunnisa, Najwa; Wati, Seftia Rahma; Ningsih, Yulia
PUAN INDONESIA Vol. 7 No. 2 (2026): Jurnal Puan Indonesia Vol 7 No 2 januari 2026
Publisher : ASOSIASI IDEBAHASA KEPRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37296/jpi.v7i2.491

Abstract

The rapid development of information technology in the digital economyera requires Micro, small, and medium enterprises (MSMEs)to adapt fromconventional marketing systems to digital systems to expand marketreach. However, MSMEs in Ganting Village, Padang Panjang City, still facesignificant obstacles, including low digital literacy. Limited ability to mangeonline stores on marketplaces, and a lack of skills in creating attractivemarketing content. The community service program uses a descriptivequalitative approach. The activities were conducted on December 12, 2025,targeting MSMEs actors and PKK members in Ganting Villge. Theimplementation methods included educational materials, socialization,intensive training on creating product content and digital salesmanagement. The implementation of the activities showed positive resultsin increasing the participants’ knowledge and digital literacy. Mostparticipants began to umderstand the basic steps of uploading products,writing attractive descriptions, and managing online consumercommunication. Furthermore, the program encouraged a midset shiftamong MSMEs toward adopting digital based business recording systems.
PRAKTIK KHIYAR DALAM JUAL BELI HANDPHONE DI MEDIA SOSIAL SHOPEE DALAM TINJAUAN HUKUM EKONOMI SYARIAH: (Studi pada Akun Nana.shopp) Aprilianti, Annisya; Zaki, Muhammad; Nurkholidah, Susi
QANUN: Journal of Islamic Laws and Studies Vol. 4 No. 3 (2026): QANUN: Journal of Islamic Laws and Studies
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/qanun.v4i3.1237

Abstract

Penelitian ini secara mendalam menganalisis praktik khiyar dalam transaksi jual beli handphone melalui platform Shopee, dengan fokus khusus pada akun Nana.shopp, dari perspektif Hukum Ekonomi Syariah. Pendekatan kualitatif deskriptif analitis diterapkan melalui pengumpulan data primer berupa wawancara mendalam dengan 1 orang penjual dan 10 orang pembeli terpilih menggunakan purposive sampling serta dokumentasi berupa review, chat, dan foto barang dari platform Shopee, dilengkapi data sekunder dari literatur fiqh muamalah, Al-Quran, Hadis, dan jurnal terkait. Hasil penelitian mengungkap bahwa praktik khiyar didominasi oleh khiyar aib akibat ketidaksesuaian spesifikasi handphone seperti baterai rusak, layar cacat, atau kondisi tidak sesuai deskripsi, meskipun proses retur sering terhambat oleh penolakan penjual dan prosedur platform yang rumit. Secara hukum syariah, praktik ini sebagian besar sesuai dengan prinsip khiyar untuk mencegah penyesalan dan kerugian pasca-akad sebagaimana diatur dalam fiqh muamalah, tetapi menyimpang ketika sighat ijab-qabul tidak eksplisit menyebut hak khiyar atau terdapat unsur gharar akibat kurangnya transparansi. Temuan ini menegaskan perlunya integrasi klausul syariah dalam e-commerce, edukasi konsumen tentang hak muamalah digital, dan penguatan mediasi berbasis fatwa untuk mewujudkan kemaslahatan transaksi yang adil bagi penjual dan pembeli.
WORKSHOP MENDESAIN VISUALISASI GRAFIS MATEMATIS DENGAN APLIKASI DESMOS BAGI GURU MGMP MATEMATIKA MTsN DI KABUPATEN ACEH TIMUR Anwar, Anwar; Zaki, Muhammad; Saiman, Saiman; Sofiyan, Sofiyan; Fadhelina, Nishbah; Pahlevi, Riza
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 9, No 1 (2026): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v9i1.%p

Abstract

Matematika sering dianggap sebagai mata pelajaran yang abstrak dan sulit oleh siswa. Guru-guru telah berusaha dengan menggunakan MS word tetapi presisinya sangat terbatas, sehingga visualisasi grafis belum tersaji dengan akurat.  Untuk itu, Tim Pengabdian kepada Masyarakat (PkM) dari Program Studi Pendidikan Matematika FKIP Universitas Samudra menyelenggarakan workshop tentang pemanfaatan aplikasi Desmos. Kegiatan ini bertujuan untuk meningkatkan kompetensi guru dalam merancang visualisasi grafis matematis sebagai alat bantu mengajar. Workshop dilaksanakan selama dua hari di MTsN 8 Aceh Timur dan diikuti oleh 25 guru yang tergabung dalam Musyawarah Guru Mata Pelajaran (MGMP) Matematika MTsN se-Kabupaten Aceh Timur. Metode pelaksanaan kegiatan meliputi ceramah, demonstrasi, praktik langsung, dan diskusi. Hasil kegiatan menunjukkan antusiasme yang tinggi dari para peserta. Di akhir sesi, seluruh peserta berhasil merancang setidaknya satu visualisasi grafis interaktif menggunakan Desmos, seperti grafik fungsi linear, kuadrat, dan trigonometri dengan slider dinamis. Berdasarkan evaluasi, kegiatan ini efektif dalam meningkatkan keterampilan teknologi dan kreativitas guru dalam menyajikan materi matematika yang lebih menarik dan mudah dipahami. Diharapkan penerapan Desmos dapat secara berkelanjutan meningkatkan kualitas pembelajaran matematika di lingkungan MTsN Aceh Timur.
Penyuluhan Perilaku Hidup Bersih dan Sehat (PHBS) Bagi Pengelola dan Pedagang Pada Taman Wisata Loang Baloq Kota Mataram Kurniawan, Edy; Dani, Husnul Budiatman; Zaki, Muhammad; Fahkrurrozi, Fahkrurrozi; Haryanti, Ramdhani; Multazam, Syamsul; Islami, Gita Nabilla; Aini, Aini; Muflihun, Sadiqin; Al-Ayuni, Yusfi; Ariani, Nining; Aji, Dunung Waskito; Taqiudin, Muhamad; Sari, Yuliani Budi Permata; Azmi, Lalu Sulthoni; Athiya, Faeruzza; Rahmawati, Khairul Pahmi; Prihartini, Dita; Kurniawati, Ari; Prajanati, Miftha Sukma Adi; Irawan, Ade; Adawiyah, Rabiatul
Bakti Sekawan : Jurnal Pengabdian Masyarakat Vol. 5 No. 2 (2025): Desember
Publisher : Puslitbang Sekawan Institute Nusa Tenggara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35746/bakwan.v5i2.906

Abstract

PHBS stands for Clean and Healthy Living Behavior outreach activity for managers and vendors at Loang Baloq Tourism Park in Mataram City aims to increase public awareness and knowledge in maintaining the cleanliness of the tourist environment. Through this activity, it is hoped that a clean, healthy, and comfortable tourist environment will be created for visitors and support the government's efforts to realize a sustainable tourism destination. The implementation method includes outreach, demonstrations, and direct assistance in the field. Community service partners are vendors and managers of Loang Baloq Tourism Park, totaling 20 participants. The evaluation was carried out in the form of a pre-test and post-test on the PHBS concept, the importance of a clean tourist environment, waste management, and hygiene practices in selling food and beverages. The results of the activity showed an 85% increase in participants' understanding of the importance of PHBS, based on the results of the pretest (average 57.75%) and posttest (85.25%), as well as a commitment to implementing clean and healthy behaviors in daily activities. The implementation of PHBS not only impacts individual health but also improves environmental quality and tourist attractions. Follow-up, including regular mentoring and policy support from local governments, is necessary to ensure sustainable PHBS implementation.
Penyuluhan Penerapan Teknologi Tepat Guna Dalam Pemeliharaan Ayam KUB Untuk Meningkatkan Produktivitas Peternak Rakyat Multazam, Syamsul; Haryanti, Ramdani; Islami, Gita Nabilla; Aini, Aini; Al-Ayuni, Yusfi; Ariani, Nining; Zaki, Muhammad; Fakhrurrozi, Fakhrurrozi; Mahendra, Rizki Adi
Bakti Sekawan : Jurnal Pengabdian Masyarakat Vol. 6 No. 1 (2026): Juni
Publisher : Puslitbang Sekawan Institute Nusa Tenggara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35746/bakwan.v6i1.911

Abstract

Balitbangtan Superior Village Chicken (KUB) is one of the innovation results in the development of local poultry that has high prospects as a source of animal protein and income for village communities. This community service activity was carried out to improve the knowledge and skills of farmers regarding appropriate technology in raising KUB chickens. The program implementation method was carried out from September 1 to November 31, 2025 with a participatory approach through the stages, 1) Socialization and Needs Identification, 2) Technical Counseling and Training, 3) Continuous Mentoring and Monitoring and 4) Evaluation and Feedback. This Community Service Activity has been implemented in Pejanggik Village, Central Lombok Regency on Monday, September 1, 2025. The technologies applied are, 1) Cage Technology, 2) Hatching Technology, 3) Feed Technology, 4) Health and Management Technology. The results of the implementation showed a significant increase in the skills and understanding of partners. The average pretest score of 52.5% increased to 94.75% in the posttest. The success rate for implementing cage technology increased from 65% to 94%, hatching technology from 50% to 90%, feeding technology from 55% to 97%, and health and management technology from 55% to 98%. Furthermore, the partner satisfaction questionnaire scored 95% (very satisfied). In conclusion, this program not only improves the technical aspects of KUB chicken farming but also empowers the community.
Co-Authors ., Sarmiati Abdul Azis Abdulah, Achmad Afif Adawiyah, Rabi'atul Ade Irawan Adhawiyyah , Tiara Rabiatul Adianto Mau, Hedwig Adithya Yudistira Adjiji, Fatma Afritista, Yulzi Agi Putra Kharisma, Agi Putra Agung Setia Budi, Agung Setia Agus Budiman Agustina, Risa Aimar Al Qadri R, Muhammad Aini, Aini Aji, Wantoro Akbar, Farhan Akhmad Ikhwani Akmalul Rizal, M. Akram, Rizalul Al Fauzi Nur, Hanif Al-Ayuni, Yusfi Alfiana Alfiana Alghiffary, Idrus Ali Ridho, Arsyad Muhammad Allaudi, Iqbal Al Hafis Amiur Nuruddin Andi Halim, Haryanto Anindhita, Diandra Anwar Anwar Anwar Aprilianti, Annisya Arbitera, Cahya Ariani, Nining Arum Tazkya Maharani, Rifa Ashari, Riza Asmoro, Endang Dwi Athiya, Faeruzza Atra, Jhanu Azizah Azizah Azmi, Lalu Sulthoni Azzahra, Putri Fatimah Bachtiar, Dandi Bahrudin, Moh. Bambang Irawan Bayu Tri Cahya bin Hamid bin Syihab, Alwi Busriadi, Busriadi Chatarina Umbul Wahyuni Chichi Andriani, Chichi Chusmita, Lina Ade Cut Meurah Rosnelly Cut, Banta Dani, Husnul Budiatman Darmadi Darmadi Dawood, Jimmy Dedi Mulyanto Dimyati, Agus Dunung Waskito Aji Edi Munawar Edy Kurniawan, Edy Emeraldy Chatra Endah Kurniyaningrum Endang Chumaidiyah Erwansyah, Tomy Fabyanto, Ikhsan Fadhelina, Nishbah Fahkrurrozi, Fahkrurrozi Fajar, Isma Fakhrurrozi Fakhrurrozi, Fakhrurrozi Fariz Amrullah D, M Dani Fatchurrohman Fatchurrohman, Fatchurrohman Fausta Prayoga, Muhammad Arya Fauzy, Ahmad Ali Febtrina, Rizka Ferdiansyah Ferdiansyah Firdaus, Satria Miftahul Fitriani, Iwan Fitriani, Namiyah Gazali, Akhmad Gina, Ahmad Al Qodril H, Haryanto Habib, Ikhwanul Hadi, Prananta Haryanti, Ramdani Haryanti, Ramdhani Hasanah, Anisalsa Derian Hasanah, Fitrotul hidayat, Ansori Hidayat, Riyan Erwin Hidayatullah , M Baihaki Husni Husin Ichwanto, M. Aris Iis Marsithah Ikhwani, Ahmad Ilmiatun, Nur Annisa Imam Mutaqin, Imam Indah Sari Iskandar Iskandar Iski Zaliman Islami, Gita Nabilla Ismail, Muhammad Rifqi Nur Isnaini, Andira Putri Jati, Putri Zulia Jayusman Jayusman Jeremy, Simamora Juchairawati Juchairawati Kabalmay, Taqiyuddin Karimah, Lailatul Karimah Khairuddin - Khairul Pahmi Rahmawati Khairunnisa, Najwa Kurniawati, Ari Kurniawati, Ninuk Dian Laili Hidayati LALU ZULKIFLI Lema, Elizabeth Risha Murlina Liky Faizal Lili Kusumawati Lubis, Ali Topan Lubis, Laili Lutfi Fanani M. Nasir M. Rafi Mabruri, Mabruri Mahendra, Rizki Adi Maimun Maimun Mairo, Ratu Izza Auwah Malik, Zainal Rahman Margaretha, Tania Martini, Made Yuni Marwan Marwan Marwanti Maryati, Indah Maulana, Asep Rizal Maulani, Mita Mazarina Devi Meijaya, Panji Setia Melkysedek, Hobert Mangatur Miftahul Huda Moh. Mukri Mohammad Musthofa Al Ansyorie Mohammad Yasir Fauzi Mohd Ridzwan, Farah Batrisya Binti Mubarrok, Muhammad Luthfi Muflihun, Sadiqin Muhammad Ilham Muhammad Nawawi Muhammad Rizki Muhammad Wahyudi Muhammad Wahyudi Muhayan, Muhayan Multazam, Syamsul Mulyadi, Said Munzir Qadri Na'im, Arroyan Nani Ratnaningsih Neri Wijayanti Ningtyas M, Arifah Wahyu Nurroso Noer Fadhly Novita, Maulina Nuradia, Arif Fani Nurdiana, Putri Nurhadi Nurhalimah, Isnaini Nurhazanah, Nurhazanah Nurwaasi Sofana, Muhammad Nurzakiyya, Nurzakiyya Paradina, Novita Eka Pella, Yosin Herloheti Piazul, Muhammad Fahmi Afiq Din Bin Pocut Nurul Alam Pontan, Darmawan Prajanati, Miftha Sukma Adi Prambudia, Yudha Pratama, Agung Tri Premitha, Septy Prihartini, Dita Prisca, Nazwa Putra, Ade Dwi Putra, Teguh Dwi Putri, Renda Putri, Wanna Shakila Qohar, Abd. Rahma, Melati Dwi Rahmalia, Shofia Rainal Ihsan, Iden Ramadaningrum, Oktavia Ramadhani, Bepi Ramadhani, Tria Ramadhania Rauf, Alfian Nugraha Ridal, Ridal Ridho, Abdul Rasyid Ridho, Arsyad Muhammad Ali Rini, Fitri Setyo Riza Pahlevi, Riza Rizki Amalia Rizki Mulyono, Edy Rofi'i, Hilmi Yusron Romadhona, Sonia Dwi Ronaldo, Muhammad Deva Rosalina, Resya Rozaq, Muhammad Ilham Abdul Rumondang Tampubolon, Margareth Rusdiyanto, Dian S. Suharto Sabrina, Aeryn Febi Safitri, Latifah Safwandi Sahriani, Sahriani saidin, saidin Saiman . Saiman Saiman Salsabila, Sabrina Saparuddin Siregar Sari, Yuliani Budi Permata Sianipar, Novia Elita Silvi Listia Dewi Sodik, Muhamad Zafar Sofiyan Sofyan, Antar Sri Mulyati Suci Nurangraini, Adelia Sugiarto, Fitrah Suhendrayatna Suhendrayatna Susi Nurkholidah Sustiana, Wenda Syafrizal Syafrizal Syahrul Purnawan Syaiful Mustofa Syamsiar, Syamsiar Syamsuarnis Syaubari Syaubari Tahmid, Khairuddin Taopikurrahman, opik Taqiudin, Muhamad Tengku Riza Zarzani N Triana, Wiwin Yuli Tua Hutabarat, Mardi Tulus Widiarso Umi Fathanah Wahyu Kurniawan Wati, Seftia Rahma wibowo atmaja, teuku Hadi Wiratama, M. Zainul Hadi Y Chandra, Tofik yarfan, medi Yulia Ningsih Yuni Damayanti Yusuf Baihaqi Yusuf Mahlil Zahriyanti, Zahriyanti Zainal Zawir Simon, Zainal Zawir Zakia Putri, Indah Zaliman, Iski Zulkarnain Jalil