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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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Gerakan Anak Pulau Cerdas Keuangan: Edukasi Literasi Finansial bagi Pelajar di Negeri Wailulu Mar'atun Shalihah; Afdhal Yaman; Aisa Manilet; Hanifah; Restia Christianty; Ridwan
Mosaic: Jurnal Pengabdian Kepada Masyarakat Vol 2, No 3 (2025): Desember 2025
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/mosaic.v2i3.199

Abstract

Program Gerakan Anak Pulau Cerdas Keuangan dilaksanakan di Negeri Wailulu, Maluku Tengah, sebagai upaya meningkatkan literasi keuangan pelajar di wilayah pesisir yang menghadapi keterbatasan akses edukasi finansial. Kegiatan ini bertujuan untuk memperkuat pemahaman konsep dasar keuangan, membentuk kebiasaan menabung, serta menanamkan nilai-nilai keuangan syariah. Metode pelaksanaan menggunakan pendekatan outdoor learning dan learning by playing, di mana mahasiswa Program Studi Manajemen Keuangan Syariah (MKS) bertindak sebagai fasilitator melalui permainan edukatif, simulasi pengelolaan uang, studi kasus lokal, serta diskusi interaktif. Evaluasi dilakukan melalui pre-test dan post-test serta observasi perilaku peserta. Hasil kegiatan menunjukkan peningkatan signifikan dalam pemahaman peserta mengenai kebutuhan dan keinginan, penyusunan anggaran, serta manajemen uang jajan. Pelajar juga menunjukkan perubahan perilaku keuangan, termasuk konsistensi menabung melalui celengan tujuan, kemampuan mencatat pengeluaran sederhana, serta kewaspadaan terhadap risiko pinjaman online ilegal. Integrasi nilai keuangan syariah turut memperkuat aspek etika dan tanggung jawab dalam pengelolaan uang. Pendekatan outdoor terbukti efektif meningkatkan keterlibatan, motivasi belajar, dan retensi materi. Secara keseluruhan, program ini memberikan dampak positif yang nyata dan dapat menjadi model intervensi literasi keuangan yang relevan untuk masyarakat pesisir. Kegiatan serupa direkomendasikan untuk dilanjutkan secara berkelanjutan melalui kolaborasi sekolah, pemerintah negeri, dan perguruan tinggi.
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 : UNIVERSITAS ISLAM NEGERI 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. Keywords: illegal investment; financial literacy; community-based strategy; AHP-TOPSIS; coastal vulnerability; financial inclusion   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. Kata kunci: investasi ilegal; literasi keuangan; strategi berbasis komunitas; AHP-TOPSIS; kerentanan pesisir; inklusi keuangan
Mosque economic empowerment through sharia microfinance institutions Afdhal Yaman
12 Waiheru Vol 10 No 1 (2024): 12 Waiheru
Publisher : Balai Diklat Keagamaan Ambon

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

Abstract

Mosques are not only places of worship but also places of economic activity. The potential for economic empowerment in mosques has not been realized optimally. As part of strengthening the community's economy, the role of mosques in society needs to be expanded. This research is qualitative research with the type of research, namely literature study, which uses data sources in the form of reference books and scientific journal articles. The results of this research indicate that mosque-based community economic empowerment is very necessary as a driving force for poverty alleviation efforts to improve the quality of life of the community. By making maximum use of the function and potential of mosques, the Mosque's economy can be strengthened and used as a strategic location for the economic development of the local community.
Dampak Shock Variables terhadap Kinerja Pembiayaan UKM pada Bank Perekonomian Rakyat Syariah (BPRS) di Indonesia Yaman, Afdhal; Nihaya, Ina Uswatun
BISNIS Vol 13, No 2 (2025): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v13i2.34092

Abstract

The purpose of this study is to examine the long-term and short-term relationships between macroeconomic variables, namely the BI rate, inflation, and the exchange rate, and SME financing at Bank Perekonomian Rakyat Syariah (BPRS) in Indonesia. This study employs a quantitative approach using secondary time-series data from April 2016 to April 2025. The analytical method used is the Vector Error Correction Model (VECM), which is a restricted form of the Vector Autoregressive (VAR) model. Before estimating the VECM, several preliminary tests are conducted, including the stationarity test, optimal lag length test, stability test, cointegration test, and Granger causality test. Afterward, the VECM estimation is performed, followed by the impulse response function (IRF) analysis. Based on the results, the BI rate and the exchange rate exhibit varying responses across periods, while inflation consistently shows an increasing response in each period of SME financing. Similarly, the contributions of the BI rate and the exchange rate to SME financing fluctuate over time. In contrast, the contribution of inflation to SME financing at BPRS in Indonesia continues to increase in each period.
Gig Economy dan Kesenjangan Ekonomi di Wilayah Kepulauan: Studi Komparatif Pekerja Gig dan Pekerja Tetap di Provinsi Maluku Arizal Hamizar; Afdhal Yaman; Hanifah Hanifah; Salma Saimima; Fadli Fendi Malawat
Jurnal Penelitian Inovatif Vol 6 No 1 (2026): JUPIN Februari 2026
Publisher : CV Firmos

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54082/jupin.2309

Abstract

Penelitian ini bertujuan untuk menganalisis dampak gig economy terhadap kesenjangan ekonomi antara pekerja gig dan pekerja tetap di Provinsi Maluku sebagai wilayah kepulauan dengan keterbatasan peluang kerja formal. Penelitian menggunakan pendekatan kualitatif dengan desain deskriptif-komparatif, melibatkan dua belas informan yang terdiri atas enam pekerja gig dan enam pekerja tetap yang dipilih secara purposive. Data dikumpulkan melalui wawancara mendalam, observasi, dan studi dokumentasi, kemudian dianalisis menggunakan analisis tematik dengan bantuan perangkat lunak NVivo. Hasil penelitian menunjukkan bahwa gig economy membuka akses kerja baru dan menawarkan fleksibilitas waktu, namun belum mampu mengurangi kesenjangan ekonomi. Sebaliknya, gig economy justru membentuk kesenjangan baru yang bersifat struktural, terutama terkait dengan ketidakstabilan pendapatan, ketiadaan perlindungan sosial, dan lemahnya keamanan ekonomi jangka panjang bagi pekerja gig dibandingkan pekerja tetap. Temuan ini menegaskan bahwa dalam konteks wilayah kepulauan seperti Maluku, gig economy cenderung berfungsi sebagai strategi bertahan hidup jangka pendek, bukan sebagai jalur mobilitas sosial yang berkelanjutan, sehingga memerlukan intervensi kebijakan yang lebih adaptif dan berkeadilan untuk memastikan inklusivitas ekonomi digital.
Refleksi Konsep Akuntansi Lingkungan dari Tradisi Sasi Fadli F. Malawat; Arizal Hamizar; Fanji Farman; Fatmah Watty Pelupessy; Afdhal Yaman
Journal of Business Application Vol. 3 No. 2 (2024): Journal of Business Application
Publisher : Univiversitas Dr. Djar Wattiheluw

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

Abstract

his 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.
Penerapan Green Economy dalam Pengelolaan Limbah Pertanian di Ambon Arizal Hamizar; Fadli F. Malawat; Jaczy Tubalawony; Afdhal Yaman; Fatmah Watty Pelupessy
Journal of Business Application Vol. 3 No. 2 (2024): Journal of Business Application
Publisher : Univiversitas Dr. Djar Wattiheluw

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

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.
THEORETICAL EXPLORATION OF DATA-DRIVEN DECISION-MAKING IN DIGITAL MARKETING Arizal Hamizar; Afdhal Yaman; Mohammad H Holle
International Journal of Economic Integration and Regional Competitiveness Vol. 1 No. 3 (2024): International Journal of Economic Integration and Regional Competitiveness
Publisher : Antis Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/ijeirc.v1i3.60

Abstract

In the rapidly evolving landscape of digital marketing, the utilization of data-driven decision-making strategies has become imperative for organizations to stay competitive. This study employs a theoretical exploration methodology to investigate the intricate dynamics of data-driven decision-making in digital marketing. Through a systematic review and analysis of existing theories, concepts, and frameworks, the research aims to construct a comprehensive understanding of the theoretical underpinnings guiding decision-making processes in the digital marketing domain. Key theoretical constructs and models relevant to data analysis techniques, consumer behavior, market trends, and marketing strategy formulation are critically evaluated to elucidate the conceptual foundations of data-driven decision-making. By synthesizing insights from multiple disciplines, including marketing, information technology, and decision sciences, the study develops an integrative theoretical framework that provides a nuanced understanding of the complexities inherent in contemporary digital marketing practices. The findings contribute to the advancement of theoretical knowledge in the field and offer valuable insights for both academia and industry practitioners seeking to leverage data-driven approaches in their marketing strategies.
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