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All Journal Jurnal Keolahragaan Pedagogi : Jurnal Penelitian Pendidikan Dinar: Jurnal Ekonomi dan Keuangan Islam Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal EMT KITA Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Iqtishoduna: Jurnal Ekonomi Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Ihsan: Jurnal Pengabdian Masyarakat Journal La Bisecoman Berajah Journal Jurnal Ekonomi Proceeding International Seminar of Islamic Studies AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Jurnal Ilmiah Ilmu Terapan Universitas Jambi Aurelia: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Journal of Artificial Intelligence and Digital Business IIJSE JatiRenov: Jurnal Aplikasi Teknologi Rekayasa dan Inovasi Ecobankers : Journal of Economy and Banking Risalah Iqtisadiyah: Journal of Sharia Economics
Rahmayati Rahmayati, Rahmayati
Politeknik Pertanian Negeri Pangkep
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Islamic Green Banking At Bank Pembangunan Daerah In Indonesia Rahmayati, Rahmayati; Mujiatun, Siti; Sari, Maya
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 1 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i1.1850

Abstract

This research aims to prove the concept of Islamic Green Banking in the banking system in Indonesia, precisely at the Bank Pembangunan Daerah (BPD) bank and to proves that CSR, Green Accounting, Growth Financing, NPF, Liability on Green Banking have a simultaneous and partial test effect on Green Banking. The research method used is descriptive quantitative, using secondary data from the bank's Annual Report from 2015-2020 at PT. BPD Aceh Syariah, PT. BPD Sumatera Utara, PT. BPD Jambi, PT. BPD. Nagari, PT. BPD. Riau and Kepulauan Riau, PT. BPD Sumatera Selatan and Bangka Belitung. The results of the study prove that the Corporate Social Responsibility (CSR), Growth Financing, Green Accounting, NPF variable have an effect on Green Banking except for Liability variable which shown negative result on Green Banking and this study is that the application of Green Banking is a pattern that can be implemented by the BPD through digitizing online services.
An Empirical Study On Qris Implementation For Enhancing Sustainability Of MSMEs In Medan City Rahmayati, Rahmayati; Kurnia, Efry
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 9, No 1 (2023): JUNI 2023
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v9i1.7657

Abstract

This study aims to determine the factors that influence the use of QRIS for MSMEs in Medan City. QRIS is a practical and efficient development of cashless payment instrument technology. This study uses quantitative methods by collecting observation data and questionnaires from MSME actors in the city of Medan, totaling 171 business actors who use QRIS with sample collection through the purposive sampling method. This study used SPSS program statistics. The results revealed that there is an influence on the benefits and ease of being interested in using QRIS where in transactions buyers do not need to use non-cash money and merchants do not need to provide change. However, there are still few business activities that use cashless payments and some merchants also lack education or are not familiar with QRIS enough because there is still a lack of socialization for MSME players regarding the use of QRIS and some MSME business actors in.
The Influencing Of Understanding Profit Sharing And Understanding Margin On Islamic Financial Behaviour Rahmayati, Rahmayati; Mujiatun, Siti; Hayati, Isra; Badawi, Afif
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 10, No 1 (2024): JUNI 2024
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v10i1.12977

Abstract

This research aims to determine and analyze the influence of understanding profit sharing and margins on Sharia financial behavior according to the understanding of the public and employees of Bank Syariah Indonesia, Pematang Siantar City. The implication is customers who possess greater financial literacy about these concepts may make better decisions and select investment products that better suit their moral convictions and financial objectives. This thesis's research type is quantitative, and the data used is primary. The population used in this research was the local community and BSI Pematang Siantar City employees, totaling 150 people, and the sampling technique used the Slovin formula with n=109. Data analysis techniques using descriptive tests, data quality tests, classical assumption tests, multiple linear regression analysis, and hypothesis testing. The data processing uses the SPSS version 22.0 program. The research results show that: (1) The model estimation shows that the R Square value is 0.775. This means that 77.5% of the independent variables in this model influence the dependent variable. Other variables outside this model influence the remaining 22.5%; (2) The regression model shows that understanding profit sharing significantly affects Sharia financial behavior, and understanding margin significantly affects Sharia financial behavior.
Pelatihan Pemanfaatan Kecerdasan Buatan (AI) untuk Akselerasi Publikasi Ilmiah bagi Sivitas Akademika Fatoni University, Thailand Zailani, Zailani; Afandi, Ahmad; Rahmayati, Rahmayati; Hayati, Isra; Rakhmadi Butar-Butar, Arwin Juli; Capakia, Suraya
IHSAN : JURNAL PENGABDIAN MASYARAKAT Vol 7, No 2 (2025): Ihsan: Jurnal Pengabdian Masyarakat (Oktober)
Publisher : University of Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/ihsan.v7i2.26338

Abstract

Rendahnya literasi digital terkait pemanfaatan Kecerdasan Buatan (AI) yang menghambat produktivitas publikasi ilmiah di kalangan sivitas akademika Fakultas Sastra, Fatoni University, Thailand, menjadi permasalahan krusial yang melatarbelakangi kegiatan pengabdian ini. Menjawab tantangan tersebut, kegiatan Pengabdian kepada Masyarakat (PKM) ini dirancang sebagai intervensi strategis yang bertujuan untuk: 1) membekali peserta dengan pemahaman dasar dan keterampilan praktis penggunaan AI dalam penulisan karya ilmiah; 2) meningkatkan produktivitas dan kualitas publikasi ilmiah dosen dan mahasiswa; serta 3) mendorong integrasi AI dalam kegiatan akademik di institusi mitra. Metode pelaksanaan kegiatan ini diimplementasikan menggunakan pendekatan Participatory Action Research (PAR) yang diwujudkan dalam bentuk lokakarya interaktif intensif selama dua hari pada 13–14 November 2024. Kegiatan ini diikuti oleh 75 peserta yang terdiri dari dosen dan mahasiswa di Gedung Fakultas Sastra, Fatoni University, dan mencakup serangkaian sesi terstruktur, mulai dari presentasi materi konseptual mengenai relevansi AI, demonstrasi teknis berbagai aplikasi AI untuk penulisan (pencarian literatur, parafrasis, pengecekan tata bahasa, dan manajemen sitasi), hingga sesi praktik langsung (hands-on) di mana peserta mengaplikasikan perangkat AI pada draf tulisan mereka sendiri. Keberhasilan program diukur secara kuantitatif dan kualitatif melalui instrumen evaluasi berupa pre-test, post-test, dan kuesioner kepuasan. Hasil kegiatan menunjukkan dampak yang sangat signifikan terhadap peningkatan kompetensi peserta. Analisis data kuantitatif membuktikan adanya lonjakan pemahaman yang substansial, di mana skor rata-rata peserta meningkat tajam dari 45,8 pada saat pre-test menjadi 82,5 pada post-test, yang merepresentasikan kenaikan pemahaman sebesar 80,13%. Secara kualitatif, hasil observasi dan umpan balik menunjukkan bahwa lebih dari 90% peserta merasa lebih percaya diri dan mampu mengoperasikan setidaknya dua hingga tiga aplikasi AI secara mandiri untuk membantu proses penulisan mereka, disertai dengan meningkatnya motivasi untuk menghasilkan karya ilmiah. Dengan demikian, dapat disimpulkan bahwa kegiatan pengabdian ini berhasil mentransformasikan pengetahuan konseptual mengenai AI menjadi kapabilitas praktis yang aplikatif, tidak hanya membekali individu dengan keterampilan esensial di era digital, tetapi juga menanamkan fondasi bagi budaya akademik yang lebih inovatif dan produktif di lingkungan Fakultas Sastra Fatoni University, sekaligus menawarkan cetak biru intervensi yang efektif untuk menjembatani kesenjangan literasi teknologi di institusi pendidikan tinggi lainnya.
Optimalisasi Pertumbuhan Kas Melalui Penghematan Biaya Pada Pengelolaan Bisnis Pertanian Cengkeh Di Kecamatan Curio Kabupaten Enrekang Rahmayati, Rahmayati; Rum, Muh.; Abdi, Muhammad Nur
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7269

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh penghematan biaya pupuk, tenaga kerja, dan pestisida terhadap pertumbuhan kas usaha pertanian cengkeh di Kecamatan Curio, Kabupaten Enrekang. Penelitian ini dilatarbelakangi oleh pentingnya komoditas cengkeh sebagai salah satu sumber pendapatan utama masyarakat di daerah tersebut, namun masih dihadapkan pada berbagai permasalahan seperti fluktuasi harga, tingginya biaya produksi, serta lemahnya pengelolaan keuangan petani yang menyebabkan arus kas usaha belum optimal. Oleh karena itu, diperlukan strategi pengelolaan biaya yang lebih efisien untuk meningkatkan pertumbuhan kas usaha tani. Penelitian ini menggunakan pendekatan kuantitatif eksplanatori dengan desain quasi-experimental yang mengamati perubahan biaya produksi dan arus kas selama empat musim panen. Data yang digunakan merupakan data primer yang diperoleh melalui wawancara, observasi lapangan, dan dokumentasi terhadap petani cengkeh yang menjadi sampel penelitian. Analisis data dilakukan menggunakan metode Analisis Varians Dua Arah (Two-Way ANOVA) untuk menguji pengaruh penghematan biaya terhadap pertumbuhan kas usaha tani. Hasil penelitian menunjukkan bahwa penghematan biaya pupuk dan tenaga kerja berpengaruh signifikan terhadap pertumbuhan kas dengan nilai signifikansi sebesar 0,00 (< 0,05). Hal ini menunjukkan bahwa efisiensi pada kedua komponen biaya tersebut mampu meningkatkan likuiditas dan memperkuat arus kas usaha pertanian cengkeh. Sebaliknya, penghematan biaya pestisida tidak berpengaruh signifikan terhadap pertumbuhan kas dengan nilai signifikansi sebesar 0,08 (> 0,05). Temuan ini menunjukkan bahwa tidak semua komponen biaya memiliki kontribusi yang sama terhadap peningkatan kas usaha. Secara keseluruhan, efisiensi pada komponen biaya utama menjadi faktor penting dalam meningkatkan keberlanjutan dan kinerja keuangan usaha tani cengkeh.
Analisis SWOT Pemanfaatan Media Digital untuk Peningkatan Literasi Keuangan Syariah di Yayasan Phatnawitya School Yala Siregar, Elpi Rahmi; Rahmayati, Rahmayati
Jurnal EMT KITA Vol 10 No 3 (2026): JULY 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i3.6701

Abstract

The low level of Islamic financial literacy among students has become a significant challenge for Islamic educational institutions in instilling an understanding of economic principles based on sharia values from an early age. Therefore, educational institutions are required to adopt innovative learning approaches, including the use of digital media as an effective educational tool. This study aims to examine the use of digital media in improving Islamic financial literacy through a SWOT analysis at Phatnawitya School Yala. This research employed a descriptive qualitative method, with data collected through in-depth interviews, observation, and documentation. The interviews involved several key informants, including foundation administrators, teachers, parents, and other related stakeholders. The findings indicate that the implementation of digital media in Islamic financial literacy education at Phatnawitya School Yala is carried out through a combined approach that integrates conventional classroom learning with digital platforms such as educational videos, social media, and interactive online materials. This approach has been shown to increase students’ learning interest, facilitate their understanding of Islamic financial concepts, and expand access to financial education for both students and parents. However, the study also identifies several challenges, including the need for stronger moral filtering in digital media usage and the development of educational content in local languages to enhance students’ comprehension. Therefore, optimizing digital learning strategies integrated with Islamic values is essential for improving the effectiveness of Islamic financial literacy education in schools.
AI-Based Learning Model to Increase Sharia Financial Literacy at the Al-Fikh Orchard Malaysia Education Institute Rahmayati, Rahmayati
Jurnal Ilmiah Ilmu Terapan Universitas Jambi Vol. 10 No. 4 (2026): Volume 10, Nomor 4, August 2026
Publisher : LPPM Universitas Jambi

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

Abstract

In Malaysia, sharia financial literacy is a very important issue, especially among educational institutions that are oriented towards Islamic education, such as the Al-Fikh Orchard Educational Institution. In this case, the application of an AI-based interactive learning model can be an innovative solution that not only increases students' interest in learning but also deepens their understanding of sharia financial literacy. By utilizing AI technology, especially through platforms such as Quizizz AI, the learning process can be tailored to individual student needs, provide more precise evaluations, and create a more engaging and interactive learning experience. The aim of this research is to provide an AI-based learning model to increase sharia financial literacy at the Al-Fikh Orchard Malaysia Education Institute, by utilizing platforms such as Quizizz AI which can help develop interactive learning and evaluation modules. It is hoped that this research can make a significant contribution in increasing learning effectiveness and can be adapted by other educational institutions. The stages of this research method start from identifying the problem of low sharia financial literacy at the Al-Fikh Orchard Malaysia Education Institute, then collecting literature studies and previous research regarding the research theme, then after identification, problem classification and problem focus, research is carried out by creating a Focus Group Discussion (FGD) with stakeholders from the Al-Fikh Orchard Malaysia Education Institute.
Co-Authors Abdi, Muhammad Nur Adjie Akbar Damanik, Muhammad Ahmad Afandi Arrofa Acesta Arwin Juli Rakhmadi Butar-Butar, Arwin Juli Asrika, Winri Badawi, Afif Buana, Nangku Capakia, Suraya Dimas Dwi Permana Ilah Nurlaelah Isra Hayati Jejen Jaelani, Asep Juniati Juniati Kasim, Nur Alam Khairi, Fadhli bin Wan Mahmud Khairunnisa Khairunnisa Kurnia, Efry Mardiah, Ulfa Maya Sari Muh. Rum Pipit Putri Hariani MD Prayoga, Adistia Putri Nasution, Aida Nurandini Ratnawati Ratnawati Rowiyah, Rowiyah Sari, Ratih Namira Sihotang, Mutiah Khaira Siregar, Elpi Rahmi Siti Mujiatun Suharjana . sutarsih sutarsih Zailani Zailani