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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) 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 IJEIRC Journal of Business Application 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
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 Sme Financing And Shock Variables At Indonesia's Sharia Rural Banks (Bprs) In Indonesia Yaman, Afdhal; Nihaya, Ina Uswatun; Shalihah, Mar'atun; Tuanany, Ismail; Manilet, Aisa; Hulihulis, Nur Sasma Sabila
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 11, No 2 (2025): DESEMBER 2025
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v11i2.18061

Abstract

This study investigates the effects of macroeconomic shock variables, namely inflation, the BI rate, and the exchange rate, on SME financing in Indonesia’s Sharia Rural Banks (BPRS). This research employs a quantitative approach using time-series data from April 2016 to August 2023, comprising 89 observations, and is analyzed using EViews 10. The results show that inflation has a more stable and dominant effect on SME financing cycles, whereas the BI rate and exchange rate exhibit heterogeneous and time-varying influences. Moreover, the contribution of inflation to SME financing in BPRS tends to increase over time. This study contributes to the Islamic finance literature by demonstrating a distinctive transmission mechanism of macroeconomic shocks within Sharia-based rural banking, which operates under profit-and-loss sharing and asset-backed financing principles. From a policy perspective, the findings suggest that maintaining price stability is crucial for sustaining SME financing growth in the Islamic banking sector. Therefore, Bank Indonesia (BI) should prioritize inflation control, while the Financial Services Authority (OJK) needs to strengthen prudential supervision to enhance BPRS resilience against external volatility. In addition, BPRS management is encouraged to improve risk management and portfolio strategies to mitigate macroeconomic uncertainty and ensure financing sustainability.
Peran Pendapatan Nelayan Bobo Dalam Peningkatan Kesejahteraan Keluarga Nursal Muhammad; Arizal Hamizar; Afdhal Yaman; Dety Aryani Relubun
Oikonomia : Journal of Management Economics and Accounting Vol. 1 No. 1 (2023): Oikonomia-Desember
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/oikonomia.v1i1.108

Abstract

This research aims to analyze the income of Bobo fishermen in Pulau Rhun Village in improving welfare from the perspective of Maqashid As-Syariah. The method used in this research is a descriptive qualitative method, data was obtained through direct observation through interviews, observation and documentation with Bobo fishermen in Pulau Rhun Village. The results of this research show that in general the income of bobo fishermen in Pulau Rhun Village has a great influence on family welfare. The role of fishermen's income can be measured using 3 indicators: 1) monthly income, 2) employment, and 3) family burden borne. Then, to measure the level of welfare of Bobo fishermen, 3 indicators can be used, namely: 1) basic needs of fishermen, 2) level of education, and 3) level of health. The income level of fishermen is known to influence family welfare, the existence of an income that is high enough so that bobo fishermen can meet their daily needs, can also meet the educational and health needs of their families, and are able to provide a sense of satisfaction and comfort. The Maqashid As-Syariah perspective looks at the perspective of protecting the soul, measured based on 3 aspects, namely daruriyyat, hajiyat and tasniyyat needs.
IMPLEMENTASI STRATEGI PEMASARAN USAHA BETA BOBA PERSPEKTIF BISNIS ISLAM Tasyri Kamil; Arizal Hamizar; Andi I Marasabessy; Afdhal Yaman
Oikonomia : Journal of Management Economics and Accounting Vol. 1 No. 2 (2024): Oikonomia-February
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/oikonomia.v1i2.109

Abstract

This research aims to determine the implementation of Beta Boba's business marketing strategy. And see how Beta Boba's business marketing strategy is implemented from an Islamic business perspective. The type of research used in this research is field research, namely research that focuses on a case intensively and in detail regarding the background of the current situation in question. This research uses a qualitative type with a descriptive approach method, namely describing in depth what is objectively according to the data collected. Based on the research results, the implementation of Beta Boba's business strategy has the potential to develop because the implementation of the strategy is very good and wide, such as business premises at the campus junction as well as social media even though there are many market competitors. The implementation of Beta Boba's business strategy has also implemented Islamic principles in running its business as stated in the interview results that the Beta Boba business owner has carried out polite behavior when receiving customers.
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.
Co-Authors Adi Laraha Narwawan Aisa Manilet Al Shafa, Salsabyla Amin, Darwis Amin, Deny Yarusain Anas, Alfiah A Andi I Marasabessy Arizal Hamizar Bambang Waluyo Damapolii, Finanti G Darwis Amin Deny Yarusain Amin Dety Aryani Relubun Dety Aryani Relubun Diman, Agus P Fanji Farman Fatmah Watty Pelupessy Fitria Karnudu H. Rajab Hamid, Musrifa Hanifah Hanifah Hanifah Hanifah hanifah hanifah Hatala, Siti K Holle, Mohammad H. Hulihulis, Nur Sasma Sabila Idrus, Titin Fahira Ismail Tuanany Isra, Nirvana 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 Shalihah, Mar'atun Shalihah, Maratun Silawane, Hapsa Sobana, Dadang Husen Soenari Soenari Soenari, Soenari Suud Marasabessy Syah Awaludin Uar Syarif, Abdul Rilan Tasyri Kamil Tuanany, Ismail Tubalawony, Jacsy Tubalawony, Jaczy Uar, Syah Awaludin Wakano, Abidin Yarusain Amin, Deny