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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Equilibrium: Jurnal Ekonomi-Manajemen-Akuntansi At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam JURNAL EKONOMI SYARIAH El-Qist : Journal of Islamic Economics and Business (JIEB) Jurnal Penelitian Inovatif ALMUJTAMAE: Jurnal Pengabdian Masyarakat Milkiyah: Jurnal Hukum Ekonomi Syariah Indonesia Auditing Research Journal Jurnal Pengabdian West Science Amal: Jurnal Ekonomi Syariah Mangente: Jurnal Pengabdian kepada Masyarakat Indonesian Journal of Community Empowerment Jurnal Intelek Dan Cendikiawan Nusantara Tijarah Rangkiang: Journal of Islamic Economics and Business Jurnal Cendekia Ilmiah JIMEKA Oikonomia : Journal of Management Economics and Accounting Mosaic: Jurnal Pengabdian Kepada Masyarakat 12 Waiheru BISNIS : Jurnal Bisnis dan Manajemen Islam Journal of Business Application International Journal of Economic Integration and Regional Competitiveness
Afdhal Yaman
IAIN Ambon
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Sosialisasi Manfaat Perluasan Akses Keuangan untuk Kesejahteraan Keuangan Keluarga pada Masyarakat Kepulauan Shalihah, Mar'atun; Yaman, Afdhal; Saimima, Salma; Idrus, Titin Fahira; Isra, Nirvana
ALMUJTAMAE: Jurnal Pengabdian Masyarakat Vol. 4 No. 3 (2024): Desember
Publisher : Universitas Djuanda Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/almujtamae.v4i3.15712

Abstract

Kegiatan literasi keuangan bagi masyarakat daerah kepulauan ini diselenggarakan sebagai bentuk sosialisasi dan pengabdian masyarakat dengan tujuan meningkatkan pemahaman dan keterampilan keluarga dalam mengelola keuangan mereka secara lebih efektif. Dengan berbagai tahapan, kegiatan ini mencakup registrasi peserta, pembukaan, sambutan dari berbagai pihak, sesi senam pagi, penyampaian materi, serta tanya jawab. Materi yang diberikan fokus pada perencanaan keuangan keluarga, termasuk pengelolaan anggaran, pentingnya menabung, investasi syariah, dana darurat, serta pendidikan keuangan bagi anak-anak. Melalui sesi interaktif dan tanya jawab, peserta diberikan kesempatan untuk mendiskusikan tantangan keuangan yang mereka hadapi dan mendapatkan solusi praktis. Penutupan kegiatan merangkum pembelajaran dan memberikan panduan praktis untuk penerapan literasi keuangan di kehidupan sehari-hari. Diharapkan, kegiatan ini dapat meningkatkan kesadaran masyarakat tentang pentingnya pengelolaan keuangan keluarga yang bijak, khususnya di daerah kepulauan yang memiliki keterbatasan akses terhadap layanan keuangan formal.
GIAT REALISASI EKONOMI SYARIAH BERKELANJUTAN MELALUI KOMPETISI KARYA TULIS ILMIAH AKADEMIK Afdhal Yaman; Darwis Amin; Suud Marasabessy; Arizal Hamizar; Muammar W. Maruapey; Muhammad Reza Nacikit
MAJU : Indonesian Journal of Community Empowerment Vol. 1 No. 6 (2024): MAJU : Indonesian Journal of Community Empowerment, November 2024
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/00z8zh68

Abstract

The Academic Scientific Writing Competition held on June 15-20, 2024, at IAIN Ambon aimed to enhance academic skills, creativity, innovation, and encourage research in the field of Islamic economics. The event consisted of several stages, including participant registration, a national seminar, desk evaluation, and the presentation of scientific papers in the semifinal and final rounds. As a result, the top three teams presented research ideas aligned with the designated topic, demonstrating high levels of enthusiasm and quality. Overall, this event successfully deepened students' understanding of Islamic economics and prepared them to actively contribute to its development in the future.
Edukasi Perencanaan Keuangan Keluarga dan Bahaya Investasi Ilegal Pada Desa Liang Kabupaten Maluku Tengah Mar'atun Shalihah; Deny Yarusain Amin; Syah Awaludin Uar; Salma Saimima; Afdhal Yaman; Adi Laraha Narwawan
Jurnal Pengabdian West Science Vol 4 No 02 (2025): Jurnal Pengabdian West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jpws.v4i02.1955

Abstract

Tujuan pelaksanaan kegiatan pengabdian masyarakat ini adalah untuk memberikan pengetahuan tentang pengelolaan dan perencanaan keuangan yang baik bagi keluarga nelayan tradisional di Desa Liang Kabupaten Maluku Tengah serta memberikan pelatihan untuk membuat perencanaan keuangan bagi keluarga nelayan tradisional di Desa Liang Kabupaten Maluku Tengah. Kegiatan pengabdian masyarakat ini berupa penyuluhan, diskusi dan tanya jawab. Dalam penyuluhan tersebut, dijelaskan mengenai model-model perencanaan keuangan keluarga, manfaat penting perencanaan ekonomi keluarga dan cara mengelola keuangan yang baik dan benar. Selain itu, disampaikan juga upaya-upaya yang dapat dilakukan oleh para ibu rumah tangga dalam membantu meningkatkan pendapatan keluarga dengan cara melakukan investasi atau melakukan kegiatan-kegiatan produktif lainnya. Kegiatan pengabdian masyarakat ini melibatkan kontributor dari ibu-ibu rumah tangga yang telah terbentuk di Desa Liang. Untuk mengatasi masalah yang dihadapi oleh ibu-ibu dari keluarga nelayan dalam belajar mengelola keuangan rumah tangga agar lebih terkontrol dan mendukung kesejahteraan mereka, solusi yang ditawarkan adalah memberikan pelatihan tentang pengelolaan keuangan keluarga melalui perencanaan keuangan yang baik.
Psikologi Fomo Gen-Z Dalam Pembelian Impulsif: Analisis Perilaku Religiusitas Konsumen Muslim Muammar W. Maruapey; Fadli F. Malawat; Fatmah Watty Pelupessy; Afdhal Yaman; Hanifah Hanifah; Arizal Hamizar
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 2: Februari 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i2.7639

Abstract

This study aims to analyze the influence of the Fear of Missing Out (FOMO) phenomenon on impulsive buying behavior among Muslim Gen Z in the digital era. Muslim consumers from Generation Z face a unique challenge in balancing the desire to remain socially relevant with Islamic principles that emphasize simplicity and self-control. The method used is qualitative with a case study design. Primary data were collected through in-depth interviews with Muslim Gen Z respondents in Ambon City who experience FOMO and exhibit impulsive buying tendencies. Secondary data were obtained from relevant scientific literature and other sources that support the research context. Data analysis was conducted using data reduction techniques, narrative and visual data presentation, and verification to ensure the validity of the findings. The study results indicate that FOMO plays a significant role in driving impulsive buying behavior among Muslim Gen Z, with intensity influenced by social media exposure and social norms. However, religiosity levels also influence respondents in controlling their impulsive tendencies. Respondents with higher religiosity levels tend to be more critical of consumerist impulses, although some still feel social pressure to follow trends.
Preferensi Konsumen Sektor UMKM pada Bank Umum Syariah di Kota Ambon (Pembiayaan Modal Kerja & Investasi) Afdhal Yaman; Arizal Hamizar; Muhammad Reza Nacikit; Dety Aryani Relubun; Fatmah Watty Pelupessy; Muammar W. Maruapey; Fadli Fendi Malawat; Rajab Rajab
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 2: Februari 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i2.7642

Abstract

This study aims to understand the preferences of MSME consumers in Ambon City toward working capital and investment financing provided by Islamic Commercial Banks (BUS). Amid competition with conventional banks, BUS holds significant potential to offer financing aligned with Sharia values, though it has yet to become the primary choice for many business owners. This study identifies the factors influencing MSMEs' decisions to choose BUS, deemed relevant for the development of the MSME sector in Ambon City. The research method used is a qualitative approach involving in-depth interviews and participatory observation with MSME actors in Ambon City. Through thematic analysis, data is processed to explore perceptions, experiences, and factors influencing MSMEs' choice of Sharia financing. The results show that MSMEs' preference for BUS is driven by adherence to Sharia principles, the flexibility of profit-sharing schemes, and ease in requirements and application processes. The profit-sharing scheme implemented by BUS provides advantages in terms of flexible payments adjusted to business income, especially for businesses with fluctuating cash flows. Additionally, guidance from BUS in investment planning offers significant added value for MSMEs in long-term business development.
Preferensi Teknologi, Perencanaan dan Pengambilan Keputusan Keuangan Berdasar Literasi Keuangan Syariah Arizal Hamizar; Fatmah Watty Pelupessy; Dety Aryani Relubun; Muhammad Reza Nacikit; Afdhal Yaman; Muammar W. Maruapey; Fadli Fendi Malawat; Soenari Soenari
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 2: Februari 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i2.7643

Abstract

This research aims to analyze the influence of Islamic financial literacy on students' financial decision-making behavior, particularly in the context of financial technology (fintech) adoption. The study focuses on understanding how students’ preferences, trust, and comprehension of Islamic financial literacy affect their decisions in using fintech services and its impacts. This research employs a qualitative approach with an exploratory method, involving in-depth interviews with students from various majors and universities in Ambon City. Data were analyzed using a thematic method, identifying and interpreting key themes such as preferences toward fintech, trust levels, and the influence of fintech on students' financial decisions in depth. The results show that students have a high preference for fintech due to factors like efficiency, convenience, and accessibility. However, trust levels in fintech are influenced by perceptions of risk and data security. Islamic financial literacy plays a significant role in shaping students’ preferences for Sharia-based fintech services. Furthermore, fintech adoption has been proven to influence students’ financial planning, particularly in encouraging more practical and efficient financial management behavior, while also presenting challenges in maintaining consistency with Sharia financial principles.
The Contribution of Islamic Financial Instruments to Maritime Development: Evaluation and Policy Recommendation for Maluku Regions Shalihah, Mar'atun; Yarusain Amin, Deny; Yaman, Afdhal; Husen Sobana, Dadang; Syarif, Abdul Rilan
Milkiyah: Jurnal Hukum Ekonomi Syariah Vol. 4 No. 1 (2025): Milkiyah: Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Agama islam Negeri Majene

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/milkiyah.v4i1.1454

Abstract

Maritime development in the Indonesian archipelago faces structural challenges, particularly in obtaining inclusive, sustainable, and locally suitable funding in Maluku. To address these issues, Islamic financing system is considered as a potential alternative to conventional system, using instruments based on Maqasid al-sharia principles. This study aims to evaluate five Islamic financial instruments focusing on productive Waqf, Mudharabah, Ijarah, Musyarakah, and Sukuk, in supporting the development of maritime regions in Maluku. We used MCDA with AHP and TOPSIS methods to evaluate these instruments. The evaluation criteria were economic feasibility, Sharia compliance, risk management, social support, and environmental impact. The results rank instruments, with productive Waqf being the most effective, followed by Mudharabah, Ijarah, and then Musyarakah and Sukuk being less suitable. The study reveals that productive Waqf is at the top due to its non-commercial nature, community participation, and reaching marginalised groups. Mudharabah is considered good for micro and small businesses with profit-sharing. Ijarah is for financing assets without ownership transfer. Musyarakah and Sukuk are less flexible for coastal communities. The findings of this study highlight that Islamic financing systems have an essential role in guiding decision-making in the maritime development. 
Resisting Financial Predation: A Community-Based Financial Literacy Strategy to Mitigate Illegal Investment Risk in Coastal Indonesia Shalihah, Mar'atun; Amin, Deny Yarusain; Yaman, Afdhal; Waluyo, Bambang; Ningsih, Tri Fitria
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 17, No 1 (2025)
Publisher : Faculty of Sharia and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i1.45438

Abstract

This study develops a financial literacy–based strategy to mitigate illegal investment risks in vulnerable coastal communities using a Financial Vulnerability Index (IKF) and a Multi-Criteria Decision-Making (MCDM) approach integrating AHP and TOPSIS. Conducted in three Central Maluku villages, the IKF combines economic vulnerability, financial literacy, and access to finance. Findings show Wailulu and Asilulu as highly vulnerable (IKF > 0.90), while Tulehu is more resilient. AHP-TOPSIS results rank community-based training as the most effective strategy, followed by local media literacy and fishermen cooperative engagement. These findings validate the Community-Embedded Literacy Delivery Model (CELDM), highlighting the effectiveness of localized, participatory approaches. The study informs inclusive and adaptive financial literacy policies targeting high-risk populations. Abstrak:Penelitian ini mengembangkan strategi mitigasi investasi ilegal berbasis literasi keuangan bagi komunitas pesisir rentan dengan menggabungkan Indeks Kerentanan Finansial (IKF) dan pendekatan MCDM (AHP-TOPSIS). Studi dilakukan di tiga desa di Maluku Tengah, dengan IKF mencakup dimensi kerentanan ekonomi, literasi keuangan, dan akses keuangan. Wailulu dan Asilulu tergolong sangat rentan (IKF > 0,90), sementara Tulehu lebih tangguh. Hasil AHP-TOPSIS menunjukkan pelatihan komunitas sebagai strategi paling efektif, diikuti kampanye media lokal dan kemitraan koperasi nelayan. Temuan ini menguatkan Model Penyampaian Literasi Berbasis Komunitas (CELDM), dan memberikan dasar bagi kebijakan literasi keuangan yang inklusif dan kontekstual.
Pengaruh Islamic Branding dan Kualitas Pelayanan terhadap Loyalitas Pelanggan: Studi pada BC HNI-HPAI Ambon Al Shafa, Salsabyla; Maruapey, Muammar W.; Amin, Darwis; Hamizar, Arizal; Hanifah, Hanifah; Yaman, Afdhal
Tijarah: Jurnal Ekonomi Syariah Vol 4, No 1 (2025): Tijarah: Jurnal Ekonomi Syariah
Publisher : CV Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/tijarah.v4i1.1637

Abstract

This study aims to examine the effect of Islamic branding and service quality on customer loyalty of BC HNI-HPAI Ambon. Quantitative method was used with purposive sampling technique on 62 respondents. Data were analyzed through multiple linear regression using SPSS. The results showed that both variables partially and simultaneously had a significant effect on customer loyalty. This study confirms the importance of consistency of Islamic values in branding and service strategies to retain customers in Islamic business.ABSTRAKPenelitian ini bertujuan menguji pengaruh Islamic branding dan kualitas pelayanan terhadap loyalitas pelanggan BC HNI-HPAI Ambon. Metode kuantitatif digunakan dengan teknik purposive sampling terhadap 62 responden. Data dianalisis melalui regresi linear berganda menggunakan SPSS. Hasil penelitian menunjukkan bahwa kedua variabel secara parsial dan simultan berpengaruh signifikan terhadap loyalitas pelanggan. Studi ini menegaskan pentingnya konsistensi nilai-nilai Islam dalam strategi branding dan pelayanan untuk mempertahankan pelanggan dalam bisnis syariah.
Pemberdayaan Pemuda Melalui Literasi Keuangan Syariah di Dufa-Dufa Ternate Shalihah, Mar'atun; Quilim, Cici Aryansi; Yaman, Afdhal; Silawane, Hapsa; Jana, Nurul
ALMUJTAMAE: Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2025): April
Publisher : Universitas Djuanda Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/almujtamae.v5i1.17898

Abstract

Workshop Literasi Keuangan Syariah yang diselenggarakan di Desa Dufa-Dufa, Ternate, bertujuan untuk meningkatkan pemahaman dan kesadaran masyarakat, khususnya generasi muda, mengenai pentingnya pengelolaan keuangan berbasis syariah. Kegiatan ini menjadi respons terhadap maraknya praktik investasi bodong yang sering kali merugikan masyarakat akibat kurangnya literasi keuangan. Melalui agenda yang melibatkan penyampaian materi oleh narasumber ahli, diskusi interaktif, dan sesi tanya jawab, peserta memperoleh wawasan mengenai prinsip-prinsip keuangan syariah, strategi pencegahan investasi bodong, serta pengalaman langsung dari individu yang telah sukses menerapkan literasi keuangan syariah. Hasil kegiatan menunjukkan peningkatan pemahaman peserta tentang pentingnya literasi keuangan syariah sebagai upaya menciptakan pengelolaan keuangan yang lebih bijak, beretika, dan sesuai dengan prinsip halal. Kegiatan ini juga berhasil memotivasi peserta untuk menerapkan konsep keuangan syariah dalam kehidupan sehari-hari, termasuk memanfaatkan penghasilan untuk menabung, berinvestasi, dan mengelola risiko keuangan dengan lebih baik. Workshop ini menjadi langkah awal dalam upaya mendorong kesadaran masyarakat akan pentingnya literasi keuangan syariah untuk menciptakan kesejahteraan yang berkelanjutan.
Co-Authors Adi Laraha Narwawan Aisa Manilet Al Shafa, Salsabyla Amin, Darwis Anas, Alfiah A Andi I Marasabessy Arizal Hamizar Arizal Hamizar Awaluddin, Syah Bambang Waluyo Damapolii, Finanti G Darwis Amin Deny Yarusain Amin Dety Aryani Relubun Dety Aryani Relubun Diman, Agus P Fadli F. Malawat Fanji Farman Fanji Farman Fatmah Watty Pelupessy Fatmah Watty Pelupessy Fitria Karnudu H. Rajab Hamid, Musrifa Hanifah Hanifah Hanifah Hanifah Hanifah Hanifah hanifah hanifah Hatala, Siti K Holle, Mohammad H. Hulihulis, Nur Sasma Sabila Idrus, Titin Fahira Ismail Tuanany Isra, Nirvana Jaczy Tubalawony Jana, Nurul Kamaruddin Malawat, Fadli Fendi Manilet, Aisa Mar'atun Shalihah Mar'atun Shalihah Mohammad H. Holle Muammar W. Maruapey Muhammad Husein Maruapey Muhammad Reza Nacikit Muhammad Reza Nacikit Musrifa Hamid Nacikit, Muhammad R Nacikit, Muhammad Reza Narwawan, Adi Laraha Nihaya, Ina Uswatun Ningsih, Tri Fitria Nurlette, Erlin D. P. Nursal Muhammad Pellupessy, Fatmah Watti Pelupessy, Fatmah Watty Putri Quilim, Cici Aryansi Rajab Rajab, Rajab Relubun, Dety Aryani Restia Christianty Restia Christianty Ridwan Ridwan Saimima, Salma Salma Saimima Salma Saimima Shalihah, Mar'atun Shalihah, Maratun Silawane, Hapsa Sobana, Dadang Husen Soenari Soenari Soenari, Soenari Suud Marasabessy Syarif, Abdul Rilan Tasyri Kamil Tuanany, Ismail Tubalawony, Jacsy Tubalawony, Jaczy Wakano, Abidin