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Waqf and Sustainability Efforts: Islamic Philanthropy Against Global Change Rahmayati, Rahmayati; Badawi, Afif
Risalah Iqtishadiyah Vol 3 No 1 (2024): January - June 2024
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v3i1.73

Abstract

Waqaf, as an instrument of Islamic philanthropy, has great potential to contribute to social and economic welfare. This research aims to explore the role of waqf in supporting sustainability as a form of Islamic philanthropy in the context of global change. The findings of this research examine waqaf's contribution to sustainability efforts in the face of global change and identify key barriers to effective waqaf implementation. The lack of clear and uniform regulatory standards regarding waqaf in different countries, leading to difficulties in management and enforcement and a lack of knowledge and skills in waqaf management among managers and stakeholders. Blockchain technology offers a solution that can improve the efficiency and effectiveness of waqaf management, by creating a more transparent, accountable and secure system. Therefore, international collaboration and the implementation of modern technologies such as blockchain are necessary to maximize waqaf's contribution in facing global change and achieving sustainability goals.
The influence of convenience, trust, and sharia financial literacy on students' decision-making using gopay digital wallet a case study of FAI UMSU students Permana, Dimas Dwi; Rahmayati, Rahmayati
Jurnal Ekonomi Vol. 13 No. 01 (2024): Jurnal Ekonomi, Edition January - March 2024
Publisher : SEAN Institute

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

Abstract

This study aims to comprehend the impact of Ease of Use, Trust, and Islamic Financial Literacy on Decision-Making in Using the Go-Pay Digital Wallet, with a case study focusing on students at the Faculty of Islamic Studies (FAI) at UMSU. Adopting a quantitative approach, data for this research was gathered through the distribution of questionnaires and employing the Likert scale to measure participant responses. A total of 92 participants were selected using purposive sampling. Multiple regression analysis, processed using SPSS, served as the data analysis technique. The results of the partial test (t-test) indicate that Trust, Islamic financial knowledge, and Ease of Use significantly influence users' decisions to choose Go-Pay. The findings of this study suggest that consumers' perceptions of Ease of Use, Trust, and Islamic Financial Literacy play a crucial role in their decision-making process regarding the utilization of the Go-Pay service.
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.
Efforts to Improve Long Serve Skills in Badminton through the Demonstration Method: Upaya Meningkatkan Keterampilan Servis Panjang dalam Permainan Bulu Tangkis melalui Metode Demonstrasi Ramlah, Ramlah; Baan, Adriana Bulu; Gunawan, Gunawan; Rahmayati, Rahmayati
Ainara Journal (Jurnal Penelitian dan PKM Bidang Ilmu Pendidikan) Vol. 6 No. 4 (2025): Ainara Journal (Jurnal Penelitian dan PKM Bidang Ilmu Pendidikan)
Publisher : Lembaga Penelitian dan Pengembangan Sumberdaya Wilayah (elrispeswil)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54371/ainj.v6i4.929

Abstract

This Classroom Action Research (CAR) study aims to improve students' long serve skills in badminton for Grade VIII students at SMPN 2 Palu. The problem identified was the low mastery of long serve skills, with only 27% of students meeting the minimum competency criteria in the pre-cycle assessment. The research was conducted in two cycles, each consisting of four stages: planning, action implementation, observation, and reflection. In Cycle I, 70% of students achieved mastery, though 30% did not meet the required standards. After improvements were made in Cycle II, including enhanced visual demonstrations and immediate feedback, significant progress was observed, with 94% of the 33 students achieving mastery. These findings suggest that the demonstration method effectively improves students' long serve skills in badminton by offering clear visual understanding and structured practice opportunities.
Challenges and Strategies for Improving Financial Management Accountability in Thailand: Insights from Islamic Values Siregar, Putriyani Azhara; Rahmayati, Rahmayati
Al-Irfan : Journal of Arabic Literature and Islamic Studies Vol. 9 No. 2 (2026): Articles in Press
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/al-irfan.v9i2.806

Abstract

This study aims to analyze the main challenges and strategies in improving financial management accountability at Muslimeen Suksa Islamic Private School in Thailand. The research employs a qualitative case study approach. Primary data were obtained through semi-structured interviews with the principal as the person in charge of financial management and classroom teachers involved in budget implementation, supported by observation and document analysis. Data were analyzed through data reduction, data display, and conclusion drawing, while validity was ensured through source and method triangulation. The findings indicate that although financial management functions such as planning, implementation, recording, and reporting have been carried out, accountability has not been fully optimized due to limited human resource competence, weak internal control mechanisms, dependence on government funding, and limited digital financial systems. Accountability is reflected in documented financial reports and conformity between budget plans and realization; however, transparency and digital documentation still require strengthening. Therefore, integrated strategies including digitalization, capacity building, internal supervision, and standardized reporting are needed to enhance sustainable financial accountability. These findings affirm that strengthening institutional accountability is essential to ensure transparency, efficiency, and long-term sustainability of Islamic educational institutions.
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.
The Effect of Syariah People's Business Credit (KUR) And Business Resources on The Productivity of Micro Small and Medium Entrepreneurs (MSME) In Medan, Indonesia prayoga, Adistia; Rahmayati, Rahmayati
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 10, No 2: Agustus 2023
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v10i2.29582

Abstract

This study examines the influence of Sharia People's Business Credit (KUR Syariah) and business resources on the productivity of MSMEs in Medan Marelan District. The research method used is a quantitative research method. The research used in the study entitled the influence of KURS (Shariah People's Business Credit) and Business Resources on MSME Productivity in Medan Marelan District. The type of research used is a descriptive quantitative research type. Where in this study analyzes the influence of independent variables, namely KURS (people's business credit) and business resources on MSME productivity with the dependent variable being MSME productivity. The population of this study is MSME entrepreneurs in Medan Marelan District consisting of 896 MSMEs. The sampling technique used is the Slovin method. From the calculation results above, the sample of this study was rounded up to 90 MSMEs in Medan Marelan District.This result indicates that 82.3% of MSME productivity variations are influenced by these two variables, while 17.7% are influenced by other factors. Therefore, optimizing access to KUR Syariah, business assistance, and innovative strategies are necessary to enhance MSME competitiveness sustainably. These findings confirm that access to sharia financing and the optimization of business resources can significantly improve MSME productivity. Therefore, the government and sharia financial institutions should continue to promote the broader utilization of KUR Syariah and provide assistance in business management. Additionally, MSME actors are encouraged to develop more innovative business strategies, including business digitalization and improved management quality, to enhance competitiveness and sustainable business growth.