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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Equilibrium: Jurnal Ekonomi-Manajemen-Akuntansi JURNAL EKONOMI SYARIAH El-Qist : Journal of Islamic Economics and Business (JIEB) ALMUJTAMAE: Jurnal Pengabdian Masyarakat Milkiyah: Jurnal Hukum Ekonomi Syariah 12 Waiheru Indonesia Auditing Research Journal Jurnal Pengabdian West Science Amal: Jurnal Ekonomi Syariah Mangente: Jurnal Pengabdian kepada Masyarakat IJEIRC Journal of Business Application Indonesian Journal of Community Empowerment Jurnal Intelek Dan Cendikiawan Nusantara Tijarah Rangkiang: Journal of Islamic Economics and Business J-CEKI JIMEKA
Afdhal Yaman
IAIN Ambon
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Analysis of the Influence of Community Perceptions in Ambon on Sharia Fintech Nurlette, Erlin D. P.; Nacikit, Muhammad R; Shalihah, Maratun; Maruapey, Muammar W; Yaman, Afdhal; Malawat, Fadli F; Hamizar, Arizal
Rangkiang: Journal of Islamic Economics and Business Vol. 2 No. 2 (2024): Islamic Economic
Publisher : Denisya Smart Consulting

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70072/rangkiang.v2i2.40

Abstract

This research aims to determine the perception of the people of Ambon city regarding the existence of sharia fintech in Ambon city. The population in this research is the people of Ambon city. The research method used is a quantitative method. The sample taken was 100 respondents using a questionnaire distribution technique with a Likert scale. Hypothesis testing uses multiple linear analysis methods with SPSS version 26 tools. The results of this research show that 1) Partially (T test), the product, promotion, place and non-usury variables have a significant influence on the dependent variable "y" because pvalue < 0.05 , while the physical evidence variable does not have a significant influence because the p-value is > 0.05. Simultaneously (F Test) The results of the analysis of perception variables regarding product, promotion, place, physical evidence and usury together influence people's interest in using sharia fintech. This influence is 67.5%. The remaining amount (32.5%) is influenced by other variables outside this research model. Findings underline the importance of enhancing product quality, innovative promotional strategies, and adherence to sharia principles in building consumer trust and interest in sharia fintech. Furthermore, this study reveals the potential of sharia fintech to serve as a more ethical financial alternative, fostering financial inclusion and aligning with the moral values of its users.
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.
Penerapan Green Economy dalam Pengelolaan Limbah Pertanian di Ambon Hamizar, Arizal; Malawat, Fadli Fendi; Tubalawony, Jaczy; Yaman, Afdhal; Pelupessy, Fatmah Watty
Journal of Business Application Vol. 3 No. 2 (2024): Journal of Business Application
Publisher : Program Studi Administrasi Niaga STIA Said Perintah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55098/jba.v3.i2.p99-109

Abstract

Abstract: This study aims to analyze the application of green economy principles in agricultural waste management in Ambon City, focusing on the potential for improving farmers' welfare and its impact on environmental sustainability. The research employs a qualitative approach, utilizing depth interviews and observations with farmers in Ambon. This study involves farmers engaged in coconut, cocoa, and other agricultural practices, as well as communities that have begun implementing green economy principles in agricultural waste management. The results show that while most farmers in Ambon still rely on conventional waste management methods, a small number of farmers have successfully transformed agricultural waste into value-added products, such as compost and briquettes. This waste processing has positive impacts on both increasing farmers' income and reducing environmental impact. However, the greatest challenges faced are the lack of knowledge, training, and market access for eco-friendly products.
Refleksi Konsep Akuntansi Lingkungan dari Tradisi Sasi Malawat, Fadli Fendi; Hamizar, Arizal; Farman, Fanji; Pelupessy, Fatmah Watty; Yaman, Afdhal
Journal of Business Application Vol. 3 No. 2 (2024): Journal of Business Application
Publisher : Program Studi Administrasi Niaga STIA Said Perintah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55098/jba.v3.i2.p81-98

Abstract

Abstract: This study aims to reflect on the concept of environmental accounting based on the Sasi tradition, a local wisdom of the Maluku community, to support sustainable natural resource management. The study also explores the integration of cultural and spiritual values into the modern concept of environmental accounting, which is expected to provide solutions to global challenges related to environmental issues. A qualitative method was used with an ethnographic approach to uncover the meanings and values embedded in the Sasi tradition. Data were collected through literature reviews, analysis of customary law documents, and relevant case studies. A multidisciplinary approach combining accounting, anthropology, and ecology was applied to analyze this tradition in the context of sustainability. The analysis was conducted descriptively and interpretatively, highlighting the principles of the Sasi tradition and their relevance in developing more inclusive environmental accounting. The findings show that the Sasi tradition reflects sustainability principles aligned with the triple bottom line theory, encompassing social, economic, and environmental aspects. The spiritual and cultural values in this tradition, such as responsibility to God, nature, and fellow humans, provide a strong conceptual framework for application in environmental accounting.
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. 
Co-Authors Adi Laraha Narwawan Al Shafa, Salsabyla Amin, Darwis Amin, Deny Yarusain Anas, Alfiah A Arizal Hamizar Bambang Waluyo Damapolii, Finanti G Darwis Amin Deny Yarusain Amin Dety Aryani Relubun Diman, Agus P Fanji Farman Fatmah Watty Pelupessy Fatmah Watty Pelupessy Fitria Karnudu H. Rajab Hamid, Musrifa Hanifah Hanifah hanifah hanifah Hatala, Siti K Holle, Mohammad H. Idrus, Titin Fahira Ismail Tuanany Isra, Nirvana Jana, Nurul Kamaruddin Malawat, Fadli Fendi 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 Ningsih, Tri Fitria Nurlette, Erlin D. P. Pellupessy, Fatmah Watti Pelupessy, Fatmah Watty Putri Quilim, Cici Aryansi Rajab Rajab, Rajab Relubun, Dety Aryani Saimima, Salma Salma Saimima Shalihah, Mar'atun Shalihah, Maratun Silawane, Hapsa Sobana, Dadang Husen Soenari Soenari Soenari, Soenari Suud Marasabessy Syah Awaludin Uar Syarif, Abdul Rilan Tuanany, Ismail Tubalawony, Jacsy Tubalawony, Jaczy Uar, Syah Awaludin Wakano, Abidin Yarusain Amin, Deny