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Penguatan Pemahaman dan Kesadaran Siswa MA PPMTI Tanjung Berulak Air Tiris terhadap Prinsip Keuangan Syariah Syaipudin, Muhammad; Hasda, Miftah; Riski, Syafnur Muhammad; Mardiyah, Suci
CARE: Journal Pengabdian Multi Disiplin Vol. 3 No. 2 (2025)
Publisher : Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/care.v3i2.50945

Abstract

Kegiatan pengabdian kepada masyarakat ini dilaksanakan di Pondok Pesantren Madrasah Tarbiyah Islamiah (PPMTI) Tanjung Berulak dengan tema “Peningkatan Kesadaran dan Pengetahuan Prinsip Keuangan Syariah bagi Santri PPMTI Tanjung Berulak.” Tujuan kegiatan ini adalah untuk meningkatkan dan mengukur tingkat kesadaran serta pemahaman santri terhadap prinsip-prinsip keuangan syariah. Dalam rangka mencetak generasi muda yang tidak hanya memahami nilai-nilai keislaman tetapi juga mampu menerapkan prinsip keuangan syariah, kegiatan ini memberikan edukasi mengenai konsep dasar keuangan syariah dan implementasinya dalam lembaga keuangan syariah, khususnya pada bank syariah. Metode pelaksanaan kegiatan meliputi tahapan persiapan, pelaksanaan, dan evaluasi. Tahap persiapan dilakukan melalui koordinasi dengan pihak pesantren, penyusunan materi, dan pembuatan media pembelajaran. Tahap pelaksanaan menggunakan metode ceramah dan diskusi interaktif, diikuti oleh santri kelas 12. Setelah penyampaian materi, dilakukan sesi tanya jawab untuk memperdalam pemahaman peserta. Hasil kegiatan menunjukkan adanya peningkatan kesadaran dan pengetahuan santri terhadap prinsip keuangan syariah serta meningkatnya antusiasme mereka untuk menerapkannya dalam kehidupan sehari-hari. Kegiatan ini diharapkan dapat memberikan manfaat berkelanjutan bagi para santri dan menjadikan mereka sebagai agen perubahan dalam mempromosikan keuangan syariah di lingkungan pesantren maupun masyarakat luas.
The Effect of Overconfidence Bias on Investment Decision: Sharia Stock Considerations Sudirman, Wahyu Febri Ramadhan; Nurnasrina, Nurnasrina; Syaipudin, Muhammad; Priyatno, Arif Mudi
Jurnal Teknik Industri Terintegrasi (JUTIN) Vol. 7 No. 2 (2024): April
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jutin.v7i2.26091

Abstract

Investment decisions are a complex process involving risk evaluation, market analysis, and investment return projections. In the decision-making process, investors sometimes show irrational behavior because they have cognitive limitations and previous investment experience so investors are exposed to overconfident behavior. This research used 178 samples consisting of investors who had investment experience of at least 1 year. The research carried out instrument testing and used the common method bias (CMB) testing procedure. The analytical method in the research uses simple linear regression. The results of testing the research hypothesis obtained positive and significant results of overconfidence bias towards irrational investment decisions The moderating role of sharia sharia considerations on the relationship between overconfidence bias and unsupported investment decisions. This research reveals that overconfidence can have a positive influence on irrational investment decision-making. Investors who tend to have excess confidence in their knowledge and skills in analyzing the market tend to make investment decisions that are more impulsive, less rational and sometimes ignore risks significantly. Future research is recommended to further investigate the mechanisms behind the relationship between overconfidence and irrational investment decision-making, as well as involving a wider sample to obtain stronger generalizations.
SOSIALISASI MASYARAKAT BIDANG PENDIDIKAN, LINGKUNGAN SOSIAL DAN MODERASI BERAGAMA DI DESA PERKEBUNAN RAMUNIA, KEC. PANTAI LABU Kembaren, Dedi Syawal Azmie; Syaipudin, Muhammad; Annisa, Rizki Mutia; Arif, Muhammad
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 5, No 8 (2022): Martabe : Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v5i8.2714-2723

Abstract

Program Kuliah Kerja Nyata (KKN) dilaksanakan di desa Perkebunan Ramunia, Kec. Pantai Labu, Provinsi Sumatera Utara. Adapun maksud dari kegiatan Kuliah Kerja Nyata ini adalah untuk mengaktualisasikan khasanah keilmuan yang ada pada mahasiswa dan mengenalkan pada khalayak melalui Kuliah Kerja Nyata serta untuk membentuk generasi bangsa yang intelektual, cerdas, dan moralitas. Tata cara penerapan kegiatan KKN dilakukan dalam wujud pengumpulan informasi, sosialisasi dan bimbingan yang mengaitkan pemerintah dan penduduk dengan cara langsung. Bermacam kegiatan dilaksanakan, yaitu: peningkatan di bidang pendidikan, lingkungan sosial, serta bidang moderasi agama. Ada pula hasil yang dicapai antara lain: penerapan program kegiatan terselenggara 100% ini merupakan pencapaian yang lumayan bagus antara mahasiswa KKN dengan masyarakat di desa Perkebunan Ramunia. Tidak hanya itu, membagikan pembelajaran yang bernilai untuk mahasiswa KKN itu sendiri dalam bersosialisasi serta berbaur dengan masyarakat yang terjalin di desa Perkebunan Ramunia.
Smart Financial Future: Education on Sharia Financial Planning for Students Mifta Hasda; Muhammad Syaipudin; Hidayat Hidayat
Journal of Community Service and Empowerment Vol. 2 No. 1 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jcse.v2i1.76

Abstract

Financial literacy is an essential competency that young people need to face increasingly complex economic challenges. However, many high school students still lack adequate understanding of financial planning and management, particularly from an Islamic perspective. This community service program aimed to enhance students’ understanding of Islamic financial planning as a foundation for achieving future financial independence. The program employed a participatory educational approach consisting of interactive lectures, discussions, question-and-answer sessions, and simple budgeting simulations. The materials covered Islamic financial literacy, money management, budgeting, saving habits, consumer behavior control, and the application of Islamic values in financial decision-making. The results indicated that participants demonstrated improved understanding of financial planning, the ability to distinguish between needs and wants, and greater awareness of managing finances wisely in accordance with Islamic principles. Furthermore, the program enhanced students’ awareness of ethical values and social responsibility in economic activities. Therefore, Islamic financial planning education can serve as an effective tool for improving youth financial literacy and fostering healthy and sustainable financial behavior.
Enhancing Islamic Economic Literacy through Dhuafa Mart: Community-Based Empowerment for Local Communities Muhammad Syaipudin; Mifta Hasda; Hidayat Hidayat; Mohd Winario
Journal of Community Service and Empowerment Vol. 2 No. 1 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jcse.v2i1.77

Abstract

Islamic economic literacy is an important factor in supporting the development of the Islamic economy at the community level. However, public understanding of Islamic economic concepts and practices remains limited, particularly among local communities directly involved in economic activities. This community service program aimed to enhance Islamic economic literacy by strengthening the role of Dhuafa Mart Air Tiris Kampar as a medium for education and community empowerment. The program employed needs identification, presentations, interactive discussions, question-and-answer sessions, and practical examples of implementing Islamic economic principles in daily business activities. The materials covered the contribution of Dhuafa Mart in promoting Islamic economics, Islamic principles of wealth acquisition, consumption and distribution, the application of business ethics based on Hadith, and Islamic financial planning. The results indicated that participants, consisting of Dhuafa Mart managers and employees, actively engaged in the program and demonstrated improved understanding of Islamic economic principles and their application in business management. Furthermore, the program strengthened the role of Dhuafa Mart as an educational platform capable of promoting Islamic economic values in a practical and sustainable manner. Therefore, this initiative contributes to improving
Internalization of Sharia Muamalah Values to Improve Islamic Economic Literacy among High School Students Muhammad Syaipudin; Mifta Hasda; Saru Reza
Journal of Community Service and Empowerment Vol. 3 No. 1 (2026)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jcse.v3i1.80

Abstract

The rapid development of the digital economy has increased young people's involvement in various economic activities. However, this development has not been fully accompanied by adequate understanding of Islamic economic values. The low level of Islamic financial and economic literacy may lead students to make economic decisions without considering ethical aspects and Islamic principles. This community service program aimed to improve students’ understanding of Islamic economic values and encourage the development of economic behavior that aligns with Sharia principles. The program was conducted at SMA IT Al Utsaimin Bangkinang and involved 48 tenth-grade students. The methods employed included presentations, discussions, question-and-answer sessions, and case-based learning related to students’ daily experiences. The materials covered Islamic economic values, lawful wealth acquisition, consumption and distribution according to Sharia principles, Islamic financial planning, the implementation of Islamic economics in daily life, and the development of Islamic banking in Indonesia. The results indicated that participants actively engaged in the program and gained a better understanding of Islamic economic principles, particularly regarding electronic money, digital transactions, and personal financial management. The activity also enhanced students’ awareness of the importance of honesty, fairness, transparency, and responsibility in economic activities. Therefore, this community service program contributed to strengthening Islamic economic literacy and supporting the development of a young generation that is knowledgeable, ethical, and responsible in responding to the challenges of the modern economy.
Analisis Penerapan Akad Murabahah Dalam Pembiayaan Konsumtif Di Bank Syariah Mulki Akhdan; Mohd Winario; Mifta Hasda; Muhammad Syaipudin; Rifqil Khairi
Multidisciplinary Journal of Religion and Social Sciences Vol. 3 No. 3 (2026): Juli 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/mjrs.v3i3.554

Abstract

The development of Islamic financing in Indonesia has positioned the murabahah contract as the dominant instrument in consumer financing. However, its implementation still raises several issues related to ownership of goods, margin transparency, and potential procedural deviations. This study aims to evaluate the implementation of murabahah contracts in consumer financing within Islamic banking and to assess their compliance with Sharia principles and the provisions of the DSN-MUI Fatwa. The research employs a qualitative approach using an explanatory case study through literature review and normative analysis of regulations and operational practices. The findings indicate that, conceptually, murabahah contracts have been systematically implemented through mechanisms involving the bank’s purchase of goods, transparent margin determination, and installment payments agreed upon by both parties. Nevertheless, several challenges remain, including practices that tend to resemble conventional credit systems and the limited understanding of Sharia principles among some transaction participants. This study highlights the importance of strengthening Sharia supervision, improving customer literacy, and optimizing financing governance to ensure that murabahah contracts maintain integrity, fairness, and accountability within the Islamic financial system.
Pelatihan Desain Kemasan Produk Yang Menarik Bagi Pelaku UMKM Kampar Muhammad Syaipudin; Saru Reza; Hidayat Hidayat
Journal of Community Service and Empowerment Vol. 1 No. 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jcse.v1i1.22

Abstract

Attractive product packaging design training for Micro, Small, and Medium Enterprises (MSMEs) was carried out to increase the competitiveness of local products by improving the quality of packaging. Product packaging functions as a protector and an important marketing tool in building brand image and attracting consumer interest. This training provides knowledge and skills to MSMEs in designing aesthetic, functional packaging that follows product characteristics and target markets. Through a practical approach, the training succeeded in increasing participants' understanding of the importance of packaging in business strategy. The training results showed an increase in the visual quality of the packaging produced by the participants, as well as a positive impact on their product sales. In addition, this training also facilitated the formation of collaborative networks among MSMEs, which can support their sustainable business growth. In conclusion, this training contributed significantly to increasing the competitiveness of MSMEs and is expected to be a model for MSME development programs in the future.
Urgensi Konsep dan Teori Uang dalam Islam bagi Siswa SMK IT AL-Izhar Pekanbaru Saru Reza; Muhammad Syaipudin; Diany Mairiza; Mifta Hasda; Suci Mardiyah
Journal of Community Service and Empowerment Vol. 1 No. 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jcse.v1i1.26

Abstract

This community service program aims to improve students' understanding of the concept and theory of Islamic finance. This research is motivated by the need to equip the younger generation with in-depth knowledge of financial management following Islamic principles, in order to face economic challenges in the future. The methods used in this program include a participatory and educational approach, with the main activities being interactive learning sessions, financial planning simulations, and group discussions. This program improves students' understanding of the principles of Islamic finance, such as the prohibition of usury, gharar, and maysir. Students not only gain theoretical knowledge but also practical skills in managing finances through Islamic teachings. The positive impacts felt include changes in students' attitudes towards financial management, increased collective awareness of the importance of Islamic financial literacy, and strengthening relationships between students, teachers, and parents. Overall, this program has succeeded in achieving its main objective, which is to equip students with the knowledge and skills to apply Islamic financial principles in their lives, and is expected to contribute to the formation of a financially intelligent young generation committed to Islamic values.
The Influence of Intellectual Intelligence on Primary School Teacher Performance Muhammad Syaipudin; Hidayat Hidayat
General Multidisciplinary Research Journal Vol. 1 No. 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/general.v1i1.6

Abstract

Introduction: This research aims to investigate the impact of intellectual intelligence on teacher performance in elementary schools. Methods: This research uses 30 surveys as the data collection method. The analytical method in this research is simple linear regression, then for testing the research instrument using product moment for validity testing and Cronbach alpha for reliability testing. Results: The results of the data analysis show that there is a significant relationship between intellectual intelligence and teacher performance. High intellectual intelligence is closely related to improving the quality of teaching and effectiveness in classroom management. Teachers who show a higher level of intellectual intelligence tend to have good adaptability to various learning challenges in elementary schools. Conclusion and suggestion: The implications of these findings can provide a deeper view of the importance of paying attention to aspects of intellectual intelligence in developing human resources in the field of education, especially to improve the quality of teacher performance. This research provides an empirical basis for teacher professional development policies and programs to increase their intellectual intelligence to provide a more optimal contribution to the learning process in elementary schools.