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Can Sharia Financial Literacy in Microfinance Customers Increase the Understanding of BPRS Haji Miskin KC Payakumbuh Customers Riski Murdani; Aidil Alfin; Awaluddin Awaluddin
Proceeding of The International Conference on Business and Economics Vol. 2 No. 2 (2024): Proceeding of The International Conference on Business and Economics
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/icbeuntagsmg.v2i2.2128

Abstract

The main objective of this study is to fill the knowledge gap in Islamic financial literacy experienced by microfinance customers by identifying their experiences in implementing these practices, the challenges they face and the opportunities that exist. Although this research is qualitative descriptive, this research includes field research. Primary and secondary sources of information were used to compile the results of this study. Research Methods This research uses a qualitative method with a descriptive approach, carried out at BPRS Haji Miskin KC Payakumbuh, identifying both internally and externally so that it can analyze what is currently an obstacle to customer understanding in Islamic financial literacy in murabahah financing products and describe the developments that can be done to improve customer Islamic financial literacy in murabahah financing products.The results of the research The understanding of financing customers is based on the findings of this micro-research that increases in following Islamic financial literacy, increasing customer insights, so customers can distinguish Islamic finance from conventional finance. The obstacles and risks faced by microfinance customers of BPRS Haji Miskin KC Payakumbuh in Islamic financial literacy are that most of the microfinance customers cannot participate in the Islamic finance education program because the distance to the customer's home and the location of the Islamic finance education is very far because the program is carried out at the head office.
Ta'awun Values in the Process of Collecting the Qur'an: Inspiration for Inclusive and Equitable Sharia Economic Development Adri Adri; Ferdi Prayoga; Pujy Yonesha; Fadhilla Husna; Awaluddin Awaluddin
Proceeding of The International Conference on Business and Economics Vol 3 No 1 (2025): Proceeding of The International Conference on Business and Economics
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/icbe-untagsmg.v3i1.2549

Abstract

This paper examines the implementation of the value of ta'awun (cooperation) in the process of collecting the Qur'anic manuscripts during the time of the companions as an inspiration for the development of an inclusive and equitable sharia economy. The collection of the Qur'anic manuscripts was a collective effort involving the companions, qira'at experts, and writers of revelation to maintain the purity of revelation and prevent division of the Muslim community. The value of cooperation reflected in the process is in line with the basic principles of sharia economics such as distributive justice, empowerment of the community, and inclusiveness. By using the library research method with a descriptive analysis approach, this study found that the application of the value of ta'awun can strengthen sharia economic practices through a fair partnership model and investment oriented towards collective welfare. In addition, this value also encourages the creation of an economic system that is not only based on efficiency, but also on ethics and sustainability. Thus, this study provides a conceptual contribution in linking Islamic traditions with contemporary economic practices, creating a harmonious ecosystem between spiritual values and material goals.  
Peran Dakwah Penyuluh Agama Islam terhadap Tradisi Ziarah Kubur Makam Syekh Abdurrahim Kamaluddin Kecamatan Binuang Kabupaten Polewali Mandar Awaluddin Awaluddin; Nurdin Nurdin; Juangsah Juangsah
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 2 No. 3 (2025): JUNI-JULI 2025
Publisher : PT. Intelek Cendikiawan Nusantara

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

Abstract

Penelitian ini mempunyai tujuan 1) Bagai mana peran dakwah penuluh agama dalam menyikapi tradisi ziarah ke Makam Syeh Abdurrahim Kamaluddin. 2)  Bagai mana metode dakwah penyuluh agama kepada masyarakat di kecamatan Binuang pada tradisi nazar ziarah ke Makam Syeh Abdurrahim Kamaluddin. Penelitian ini menggunakan pendekatan kualitatif dengan mengumpulkan data melalui wawancara mendalam dengan pihak terkait seperti: masyarakat kecamatan binuanng, masyarakat pulau salama, imam masjid pulasama, dan penyulu agama kcamata binuang. Hasil penelitian ini mempunyai maksud 1) Dalam perannya, dakwah penyuluh agama membuat tradisi ziarah makam lebih bermakna sesuai dengan nilai-nilai keagamaan. Mereka menjelaskan makna mendalam dari ziarah kubur, mengingatkan akan pentingnya akhirat, dan mendorong orang untuk berkontemplasi. Hal ini memberikan dimensi spiritual yang lebih kaya dalam setiap langkah ziarah. Sebagai hasilnya, ziarah kubur bukan hanya rutinitas adat, tetapi kesempatan untuk merenungkan makna hidup dan mendalami hubungan dengan Tuhan. Dengan demikian, dakwah penyuluh agama memberikan nilai tambah penting kepada tradisi ziarah makam, memungkinkan penghormatan kepada yang telah meninggal sekaligus memperkuat komitmen terhadap nilai-nilai keagamaan yang sejati. 2) Kesimpulan akhirnya adalah bahwa dalam konteks metode dakwah oleh penyuluh agama terkait tradisi ziarah makam, pendekatan yang menggabungkan penghormatan terhadap tradisi dan penyampaian ajaran agama menjadi langkah yang sangat penting. Dengan menjaga keseimbangan yang harmonis antara agama dan budaya, penyuluh agama yang menghormati identitas masyarakat dalam tradisi mereka mendapatkan respons positif. Pendekatan ini membuka jalan untuk lebih banyak orang menerima pesan-pesan agama sambil tetap mempertahankan nilai-nilai budaya lokal yang berharga. Dalam kesimpulannya Hasil penelitian ini menunjukkan bahwa dakwah penyuluh agama memiliki peran penting dalam meningkatkan makna tradisi ziarah makam dengan menjelaskan aspek-aspek keagamaan, mengingatkan tentang akhirat, dan mendorong kontemplasi spiritual. Dalam konteks ini, ziarah makam tidak lagi hanya menjadi rutinitas budaya, tetapi menjadi kesempatan untuk merenungkan makna hidup dan menguatkan ikatan dengan Tuhan.
Penerapan Konsep Berbasis Customer Relationship Management (CRM) terhadap Pelayanan Tamu pada Hotel Grand Royal Denai Kota Bukittinggi Lutfi Nurul Khairiyah Dinata; Awaluddin Awaluddin
Gemawisata: Jurnal Ilmiah Pariwisata Vol. 21 No. 3 (2025): September : Jurnal Ilmiah Pariwisata
Publisher : Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/gemawisata.v21i3.869

Abstract

The background of this study is based on the importance of implementing CRM strategies in the hospitality industry, particularly in facing business competition challenges and meeting the ever-evolving needs and expectations of customers. In the context of sharia tourism, which is beginning to develop in West Sumatra, good service and long-term relationships with guests are significant added values for the sustainability of a hotel. The objective of this study was to determine how the CRM concept is implemented at Hotel Royal Denai Bukittinggi, and to what extent CRM contributes to building customer loyalty. This study uses a qualitative approach with a descriptive method. Data was collected through in-depth interviews with the Human Resource Development (HRD) department, direct observation of guest service activities, and relevant documentation studies.The research findings indicate that the implementation of CRM at Hotel Royal Denai is still not optimal. The hotel does not yet have an integrated customer data management system, and its communication strategies with guests remain conventional and lack sustainability. Additionally, certain aspects of service, such as the completeness of room facilities, the speed of response to guest complaints, and the friendly attitude of staff, still need improvement. However, the management acknowledges the importance of CRM as a key strategy for enhancing customer satisfaction and fostering long-term relationships with guests.
Faktor-faktor yang Berhubungan dengan Kekambuhan pada Pasien Malaria di Wilayah Kerja Puskesmas Harapan Kabupaten Jayapura Awaluddin Awaluddin; Apriliani Yulianti Wuriningsih; Sri Wahyuni
Jurnal Siti Rufaidah Vol. 3 No. 3 (2025): :Jurnal Siti Rufaidah
Publisher : PPNI UNIMMAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57214/jasira.v3i3.228

Abstract

Malaria is a global health problem, particularly in tropical countries like Indonesia. Papua has 374 endemic districts/cities, with the highest number of malaria cases, with 14,586 cases, and Jayapura Regency in 2024 with 50,529 patients and 6,213 relapses. The high number of cases is due to the geographical conditions that favor mosquito breeding and the dormant state in the body. If treatment is not carried out correctly and thoroughly, it can lead to malaria relapse. The purpose of this study was to determine factors associated with relapse in malaria patients in the Harapan Community Health Center (Puskesmas) area, Jayapura Regency. This research was an analytical study with a cross-sectional design. Data collection was conducted using a questionnaire. A total of 88 respondents were recruited using simple accidental sampling. The data obtained were statistically analyzed using chi-square and binary logistic regression. Based on the analysis, it was found that factors that were not related to recurrence in malaria patients in the Harapan Community Health Center, Jayapura Regency were age (p-value 1.000 > α 0.05), gender (p-value 0.855 > α 0.05), and education (p-value 0.124 > α 0.05). Factors related to recurrence in malaria patients in the Harapan Community Health Center, Jayapura Regency were occupation (p-value 0.032 or p < α 0.05), nutritional status (p-value 0.000 < α 0.05), and medication adherence (p-value 0.000 < α 0.05). Medication adherence was the dominant factor in recurrence in malaria patients at the Harapan Community Health Center (p-value 0.000 < 0.05). Malaria patients who do not comply with taking their medication cause the malaria parasite to become dormant in the body which can at any time cause malaria relapses and resistance to malaria drugs.
Strategi Pemasaran Syariah di Tengah Persaingan Pasar Modern pada UMKM Toko Ikhlas di Nagari Koto Baru, Kec. IV Nagari, Kab. Sijunjung Rifa Suganda; Awaluddin Awaluddin
ARZUSIN Vol 6 No 3 (2026): JUNI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i3.9675

Abstract

Sharia marketing strategies in micro, small, and medium enterprises (MSMEs) have received attention in several studies, but research that specifically discusses the integration of the marketing mix (4P) with the functions of sharia business management (POAC) in facing modern market competition remains limited. This study aims to analyze the implementation of sharia marketing strategies and their management from the perspective of sharia business management at Toko Ikhlas MSME in Nagari Koto Baru, IV Nagari Subdistrict, Sijunjung Regency. This study employed a qualitative approach with a case study design, involving the main informants, namely the business owner, employees, and customers selected through purposive sampling. Data were collected through in-depth interviews, direct observation, and documentation, and were then analyzed using interactive analysis techniques through the stages of data reduction, data presentation, and conclusion drawing. The results showed that Toko Ikhlas had implemented sharia marketing strategies through the marketing mix, which includes product, price, place, and promotion, adjusted to community needs and sharia values such as honesty and justice. In addition, the functions of sharia business management, which include planning, organizing, actuating, and controlling, had been implemented, although they were still simple and had not yet been formally documented. These findings contribute to the development of sharia business management theory and broaden understanding of sharia marketing practices at the MSME level. The conclusion of this study affirms the importance of integrating sharia marketing strategies with systematic business management in facing modern market competition, while also indicating the need to enhance the use of digital technology and business planning among MSME actors.
Analisis Strategi Bersaing dalam Meningkatkan Pendapatan Toko Herbal Bukittinggi (Studi Kasus BRC Grosir Herbal Bukittinggi) Fatma Syafrila Yeni; Awaluddin Awaluddin
ARZUSIN Vol 6 No 3 (2026): JUNI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i3.9709

Abstract

Although competitive strategy in herbal businesses has received attention in several studies, research that specifically discusses the implementation of marketing mix (4P)-based competitive strategies in increasing revenue in local herbal businesses remains limited. This study aims to analyze the competitive strategies implemented by BRC Grosir Herbal Bukittinggi and to identify the supporting and inhibiting factors in increasing business revenue. This study used a qualitative approach with a case study design, involving participants consisting of managers, employees, resellers, and customers selected through a purposive sampling technique. Data were collected through interviews, observation, and documentation, and were then analyzed using an interactive data analysis technique through the stages of data reduction, data display, and conclusion drawing. The findings showed that the competitive strategies implemented included aspects of product, price, place, and promotion, with consultative service and the use of social media as the main advantages. In addition, therapy services, good communication, and product availability were supporting factors for increasing revenue, whereas price competition, economic conditions, and external factors were inhibiting factors. These findings contribute to the development of competitive strategy and marketing theory and broaden understanding of the implementation of the marketing mix in the context of local herbal businesses. The conclusion of this study confirms the importance of optimizing marketing strategies that are adaptive to market dynamics and suggests that business actors improve innovation and promotional effectiveness. The implications of this study include theoretical contributions to the development of the strategic management literature and practical implications for herbal business actors in increasing competitiveness and revenue.
Analisis Sistem Penetapan Harga dalam Jual Beli Gambir Ditinjau dari Perspektif Ekonomi Islam di Nagari Muaro Paiti Kecamatan Kapur IX Kabupaten Lima Puluh Kota Kelvano Arianto; Awaluddin Awaluddin
ARZUSIN Vol 6 No 3 (2026): JUNI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i3.9852

Abstract

The issue of price determination in the gambier commodity trade has received attention in several previous studies; however, studies that specifically examine the compatibility of price-setting mechanisms with Islamic economic principles at the local level remain limited. This study aimed to analyze the price-setting system in gambier buying and selling from the perspective of Islamic economics in Nagari Muaro Paiti, Kapur IX Subdistrict, Lima Puluh Kota Regency. This study used a qualitative approach with a case study design. The research informants consisted of key informants and supporting informants selected through purposive sampling. Data were collected through interviews, observation, and documentation, and were then analyzed using the stages of data reduction, data display, and conclusion drawing. The results showed that gambier price determination was dominated by middlemen by considering demand, market prices, product quality, and the level of competition, whereas farmers tended to be positioned as price takers. Limited access to information and farmers’ dependence on middlemen caused a consistent price gap between the farm-gate level and the market. These findings contribute to the development of price theory studies in Islamic economics, particularly regarding the principles of justice, transparency, and mutual consent in transactions. The conclusion of this study emphasizes the importance of balancing market power and access to information in creating a fairer gambier trading system. The implications of this study indicate the need to strengthen farmer institutions, improve price transparency, and provide policy support for the plantation sector to strengthen farmers’ bargaining position and open opportunities for further studies on strengthening institution- and technology-based commodity trade.
Assessment of Integrated Agriculture–Aquaculture Scenarios for Aquatic Animal Cultivation and Floating Rice in Coastal Zones Heriansah Heriansah; Indra Cahyono; Nursidi Nursidi; Awaluddin Awaluddin; Fathuddin Fathuddin
Journal Omni-Akuatika Vol 22, No 1 (2026): Omni-Akuatika May (In press)
Publisher : Fisheries and Marine Science Faculty - Jenderal Soedirman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20884/1.oa.2026.22.1.1329

Abstract

This study represents a potentially groundbreaking exploration into the dual integration of agriculture and aquaculture (IAA) systems in brackish water. The objective of this work was to assess the production performance of the IAA system under various species combination scenarios, which are pivotal in multi-species cultivation. Conducted over an 80-day period, this study employed three species combination scenarios: milkfish and rice (Scenario 1), milkfish, tiger shrimp, and rice (Scenario 2), and milkfish, tiger shrimp, mussel, and rice (Scenario 3). A floating-bed system was utilized for rice cultivation in all scenarios. The pilot scale experiment was meticulously designed, including tarpaulin ponds, acclimatization, feed, and aeration to establish a conducive environment within the system. Results revealed proportional species growth, with the mortality rate (MR) of milkfish, tiger shrimp, and rice showing no significant impact (P > 0.05) from species combinations. However, significant differences (P < 0.05) were observed in the weight gain (WG) and specific growth rate (SGR) of milkfish, as well as the height gain (HG) of rice among species combinations. Nutrient removal efficiency (NRE) for nitrogen and phosphorus increased significantly with the combined number of species. Species combinations also had a significant effect on feed efficiency ratio (FER). All observed parameters in scenario 3 (IAA) demonstrated superiority, making it a more practical approach for the IAA model in coastal zones. This study validates an optimal species combination model, providing a scalable framework to advance productivity and nutrient efficiency in future integrated coastal aquaculture systems.
Analisis Kinerja Keuangan Koperasi Unit Desa (KUD) Koskopabo Tahun 2020 – 2024 Nadia Oktavia; Awaluddin Awaluddin
ARZUSIN Vol 6 No 5 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i5.11031

Abstract

Cooperative financial performance is an important indicator in assessing the health level and business sustainability of cooperatives. Although financial performance analysis has been widely examined, studies that specifically analyze the financial performance of oil palm plantation-based Village Unit Cooperatives (KUD) using financial statement data over several periods remain relatively limited. This study aims to analyze the financial performance of KUD Koskopabo for the 2020–2024 period based on liquidity, solvency, and profitability ratios. This study used a quantitative approach with a descriptive design through a case study. The research object consisted of the financial statements of KUD Koskopabo for the 2020–2024 period, which were determined using saturated sampling (total sampling). Data were collected through documentation of statements of financial position and statements of remaining operating results, and were then analyzed using financial ratios based on Regulation of the Minister of State for Cooperatives and SMEs Number 06/Per/M.KUKM/V/2006. The results show that the financial performance of KUD Koskopabo is generally in fairly good condition. The cooperative has the ability to meet short-term obligations, maintain a relatively sound capital structure, and generate remaining operating results (SHU), although several financial indicators fluctuated during the study period. These findings contribute to the development of studies on cooperative financial statement analysis and expand understanding of the evaluation of cooperative health levels based on financial ratios. The conclusion of this study emphasizes the importance of effective management of assets, liabilities, and capital in maintaining cooperative business sustainability. The implications of this study can serve as evaluation material for cooperative administrators in improving the quality of financial management, while future research is recommended to expand the research object and use more comprehensive financial performance indicators.