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Muhammad Ardi, Muhammad
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Analisis Akad Muzara’ah Dalam Kerjasama Pengelolaan Kebun Cengkeh (Studi Pada Petani Cengkeh Di Desa Pattiro Riolo) Afna, Nur; Keri, Ismail; Ardi, Muhammad
IKRAITH-EKONOMIKA Vol. 8 No. 2 (2025): IKRAITH-EKONOMIKA Vol 8 No 2 Juli 2025
Publisher : Universitas Persada Indonesia YAI

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

Abstract

Penelitian ini membahas tentang akad muzara’ah dalam kerjasama pengelolaan kebun cengkeh yang terjadi di Desa Pattiro Riolo, Kecamatan Sibulue, Kabupaten Bone. Masalah yang diangkat adalah bagaimana bentuk kerjasama antara pemilik lahan dan penggarap, pola bagi hasil yang diterapkan, serta bagaimana praktik tersebut ditinjau dari perspektif akad muzara’ah dalam ekonomi Islam. Latar belakang penelitian ini didasarkan pada kenyataan bahwa tidak semua masyarakat memiliki lahan namun memiliki tenaga untuk bekerja, sehingga muncullah sistem kerjasama berbasis bagi hasil, yang relevan dikaji dalam konteks hukum ekonomi syariah. Penelitian ini merupakan penelitian lapangan (field research) dengan pendekatan kualitatif. Data dikumpulkan melalui teknik observasi, wawancara mendalam, dan dokumentasi terhadap para pemilik kebun dan penggarap di Desa Pattiro Riolo. Subjek penelitian terdiri dari 5–7 responden, yakni petani penggarap dan pemilik lahan. Teknik analisis data dilakukan secara kualitatif melalui proses reduksi data, penyajian data, dan penarikan kesimpulan berdasarkan data lapangan yang ditemukan.Hasil penelitian menunjukkan bahwa kerjasama pengelolaan kebun cengkeh dilakukan secara lisan berdasarkan kepercayaan dan prinsip kekeluargaan. Pembagian hasil disesuaikan dengan kontribusi masing-masing pihak, umumnya 50:50 atau 60:40. Praktik tersebut sesuai dengan prinsip akad muzara’ah dalam ekonomi Islam, yang mendorong pemanfaatan lahan produktif, tolong-menolong, dan pembagian hasil yang adil. Sistem ini turut meningkatkan kesejahteraan masyarakat dan mempererat hubungan sosial antara pemilik lahan dan penggarap
Building an optimal portfolio of Sharia-compliant stocks using the Markowitz model: A study of listed JII companies Ajuna, Luqmanul Hakiem; Dukalang, Hendra; Ardi, Muhammad
Jurnal Ekonomi & Keuangan Islam Volume 11 No. 2, July 2025
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol11.iss2.art10

Abstract

Purpose – This study analyzes the expected returns and risks associated with these stocks and identifies the optimal portfolio composition.Methodology – This study utilized operational data analysis and the Markowitz model to assess 30 stocks listed on the JII from 2017 to 2020. Through purposive sampling, 13 companies that met the specific sample criteria were selected for analysis.Findings – The analysis successfully identified an optimal portfolio composed of six stocks: ANTM (Aneka Tambang Tbk), ICBP (Indofood CBP Sukses Makmur), INCO (Vale Indonesia Tbk), KLBF (Kalbe Farma Tbk), PTBA (Bukit Asam Tbk), and UNTR (United Tractors Tbk). This portfolio demonstrates an expected rate of return ranging from 0.28% to 1.88%. Notably, the portfolio's overall risk value was calculated to be only 0.19%, which is significantly lower than the individual risk associated with any single stock within the portfolio.Implication – This study provides valuable insights for investors looking to build a balanced and Shariah-compliant investment portfolio, improving their understanding of expected returns and associated risks in Islamic financial markets.Originality – The abstract does not explicitly state the originality section. However, the unique combination of focusing on JII-listed Sharia stocks and applying the Markowitz model to identify an optimal portfolio can be inferred as the original contribution of this study. The context of Islamic financial markets distinguishes it from that of a general investment study.
MEASURING MUSLIM DECISIONS TO PURCHASE HALAL CERTIFIED PRODUCTS USING PLANNED BEHAVIOR THEORY Ardi, Muhammad; Mahdin, Mutiyah; Srigandawati; Aditya, Farhan; Kurniawan, Dedi
Jurnal Ilmiah Al-Tsarwah Vol. 7 No. 2 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v7i2.8601

Abstract

This research modifies the theory of planned behavior in Muslim decision making in purchasing halal certified products among madrasah teachers and is the first research that is used as the object of research, namely madrasah teachers. The assumptions offered are: (1) attitudes, subjective norms, behavioral control and purchase intentions influence the decisions of madrasah teachers in Bone district buying halal certified products, (2) Finding out the magnitude of the direct and indirect influence on Muslims' decisions to buy halal certified food with the theory of planned behavior on madrasah teachers.  In achieving this goal, an inductive approach was used with a quantitative method in collecting data using a closed questionnaire technique via Google Form which was constructed using variables adopted from the theory of planned behavior by taking samples randomly from North Bone, city and South Bone areas which have schools. madrasa. The sample size criteria were adjusted to the analysis of the variance-based Structural Equation Modeling (SEM) approach with the partial Least Square (PLS) method. The required data is collected using observation methods, distributing questionnaires and documentation. The data that has been collected is analyzed quantitatively and the data that has been obtained through observation is expressed based on narrative. The research results show that the findings of this research show three things. First, attitude has no influence on the decision to buy halal-certified food, only Subjective norm and behavioral control variables have a direct influence on a person's decision to use halal products, especially among madrasah teachers in Bone Regency. Second, lack of literacy regarding purchasing decisions. Third, all variables when constructed through moderating variables to see the indirect influence have no influence on purchasing decisions.
Konstruksi dan Evaluasi Psikometrik Skala Counterproductive Work Behavior Ardi, Muhammad; Widyarini, Nilam
Journal of Research and Measurement in Psychology: JPPP Vol 14 No 2 (2025): Jurnal Penelitian dan Pengukuran Psikologi Vol 14 No 2 Oktober 2025
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat UNJ dan Program Studi Psikologi Fakultas Pendidikan Psikologi Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JPPP.142.07

Abstract

This study aims to develop and examine the validity and reliability of a Counterproductive Work Behavior (CWB) instrument in the context of online motorcycle taxi drivers, encompassing two main dimensions: CWB directed at the organization (CWB-O) and CWB directed at individuals (CWB-I). Involving 1,416 participants from across Indonesia, the instrument was constructed based on the theory of Jex and Britt (2014) and tested using Exploratory Factor Analysis (EFA) and Confirmatory Factor Analysis (CFA). The CFA results indicate that the two-factor model has a good fit (CFI = 0.948; TLI = 0.941; RMSEA = 0.067), with high reliability (ω = 0.956 for CWB-O and ω = 0.759 for CWB-I). One item was removed due to the absence of significant loading on any factor. The instrument has been proven valid and reliable, and can be used as a tool to detect potential counterproductive behaviors among online drivers.
Peran Moderasi Literasi Halal Terhadap Adopsi Makanan Kemasan Halal untuk Konsumsi Berkelanjutan di Kalangan Generasi Muslim Zilenial Kecamatan Ulaweng Kurniawan, Dedy; Darwis, Rahma Hidayanti; Ardi, Muhammad
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 3 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/tq16y116

Abstract

This study examines the moderating role of halal literacy in the adoption of halal packaged foods among Generation Z Millennials to promote sustainable consumption. The research expands the Theory of Planned Behavior (TPB) by incorporating the variable of halal literacy, a novel contribution to the literature. A quantitative approach was employed through a survey involving Generation Z Millennials selected via simple random sampling. Moderation regression analysis was conducted to assess how halal literacy influences the relationship between attitudes, subjective norms, behavior control, and the intention and adoption behavior of halal packaged foods. Findings indicate that halal literacy significantly strengthens the positive influence of attitudes towards halal packaged foods, enhances supportive subjective norms for adoption, and facilitates better behavioral control in selecting halal products. These results offer critical insights for developing effective educational and marketing strategies to enhance halal literacy among Generation Z Millennials, supporting sustainable consumption choices and promoting broader societal well-being.
Bank Indonesia's Role in Developing the Creative Economy In Gorontalo Province Latif, Abdul; Ardi, Muhammad
Jeksyah: Islamic Economics Journal Vol. 2 No. 01 (2022): May 2022 Edition
Publisher : Fakultas Ekonomi dan Bisnis Islam _ IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (981.126 KB) | DOI: 10.54045/jeksyah.v2i01.51

Abstract

The creative economy is a formula for developing an economy that favors the people, not social engineering to oppress and kill the people's economy. Indonesia is very rich in the creative economy because the creative economy is a new economic sector that is considered by every perpetrator, not only as a job seeker but able to create jobs. The cultural heritage of each region in Indonesia is a capital to compete in the creative industry. This research aims to find out the role of Bank Indonesia in developing the Creative Economy in Gorontalo Province. This research is a type of qualitative research with descriptive methods. The data collection techniques used in this research are observation, interviews, and documentation. From the results of the research, the author found that the role of Bank Indonesia in developing the creative economy, in this case, is the karawo business in Gorontalo Province, which is carried out by providing training, direction, guidance, and assistance to craftsmen, of course, to improve the quality and quantity of a product, so that it can always meet market demand, and of course, it has a good impact on the income and sales of creative industry players, especially karawo craftsmen. fostered by Bank Indonesia. The activities carried out by Bank Indonesia, further spurs the creativity of creative economy actors, especially karawo embroidery, increasing pride in karawo and providing a high economic empowerment impact for craftsmen, entrepreneurs, designers, tailors, and supporting businesses such as culinary, salons, and other businesses.
Penanganan Banjir Secara Berkelanjutan pada Lingkungan Perumahan di Kecamatan Manggala Kota Makassar Rahmansah, Rahmansah; Ardi, Muhammad; Syarif, Isymiarni
DEDIKASI Vol 25, No 2 (2023): JURNAL DEDIKASI
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/dedikasi.v25i2.56086

Abstract

Abstrak – Pemberdayaan Kemitraan Masyarakat (PKM) ini bertujuan: (1) meningkatkan pengetahuan mitra tentang sistem pemeliharaan drainase lingkungan perumahan yang berkelanjutan, (2) meningkatkan pengetahuan mitra tentang fungsi lahan terbuka sebagai daerah resapan air pada saat hujan yang mengakibatkan banjir, (3) meningkatkan pengetahuan mitra tentang drainase sistem resapan biopori yang dapat mengatasi banjir secara berkelanjutan, dan (4) meningkatkan keterampilan mitra menerapkan drainase sistem resapan biopori yang dapat mengatasi banjir secara berkelanjutan. Metode yang digunakan adalah ceramah, tanyajawab, diskusi, dan demonstrasi. Metode ceramah, tanyajawab, dan diskusi digunakan untuk memberikan penyuluhan kepada mitra tentang fungsi lahan terbuka hijau sebagai daerah resapan air, dan drainase sistem resapan biopori. Metode demontrasi digunakan untuk mendemonstrasikan perencanaan dan pembuatan drainase sistem resapan biopori. Hasil yang dicapai adalah: (1) mitra memiliki pengetahuan tentang sistem pemeliharaan drainase lingkungan perumahan yang berkelanjutan, (2) mitra memiliki pengetahuan tentang fungsi lahan terbuka sebagai daerah resapan air pada saat hujan, (3) Mitra memiliki pengetahuan tentang drainase sistem resapan biopori yang dapat mengatasi banjir secara berkelanjutan, dan (4) Mitra memiliki keterampilan menerapkan drainase sistem resapan biopori yang dapat mengatasi banjir secara berkelanjutan. Kata kunci: lingkungan perumahan, penanganan banjir, drainase resapan biopori.
Membina Pengetahuan dan Keterampilan Petani Kecil Membuat Bak Penampungan Air Kotor Buangan Rumah Tangga Ardi, Muhammad; Rauf, Bakhrani A.; Amir, Faizal; Miru, Alimuddin Sa’ban; Rahmansah, Rahmansah
DEDIKASI Vol 25, No 2 (2023): JURNAL DEDIKASI
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/dedikasi.v25i2.56061

Abstract

 Abstrak. Tujuan Kegiatan pengabdian kepada masyarakat ini adalah untuk  (1) meningkatkan  pengetahuan petani kecil membuat bak penampungan air kotor buangan rumah tangga, (2) memperkenalkan kepada petani kecil tentang   bahan bangunan  dan alat yang digunakan untuk membuat bak penampungan air kotor  buangan rumah tangga,  (3) untuk meningkatkan keterampilan petani kecil membuat bak penampungan air kotor buangan rumah tangga yang sehat dan aman terhadap lingkungan.  Solusi permasalahan:  (1) memberikan penyuluhan kepada petani kecil tentang bak penampungan air kotor buangan rumah tangga, (2) memperkenalkan kepada petani kecil tentang   bahan bangunan  dan alat yang digunakan untuk membuat bak penampungan air kotor  buangan rumah tangga, (3)  melatih dan mendampingi  petani kecil membuat drainase pembuangan air kotor buangan rumah tangga yang sehat dan  aman terhadap lingkungan. Hasil kegiatan: (1) petani kecil memiliki pengetahuan tentang bak penampungan air kotor buangan rumah tangga, (2) petani kecil mengenal alat dan bahan yang digunaka untuk membuat bak penampungan air kotor buangan rumah tangga, (3) petani kecil memiliki keterampilan membuat bak penampungan air kotor buangan rumah tangga yang sehat dan aman terhadap lingkungan.Kata Kunci: Petani kecil, Pengetahuan, Keterampilan, Bak penampungan, dan Air kotor.
Hambatan Pengimplementasian Laporan Keuangan Usaha Mikro Kecil dan Menengah (UMKM) Berbasis Digital Rahmatia, Rahmatia; Ardi, Muhammad; Lomagio, Afriana; Paputungan, Ririn; A Mustava, Novia
Al-Buhuts Vol. 20 No. 1 (2024): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v20i1.4724

Abstract

This research aims to analysed the barriers in implementing the preparation of financial reports based digital for UMKM in Gorontalo. This reseach was a type of quantitative reseach with a Participatory Action Research (PAR) approach which consists of four stages, namely (1) Identifying the Research Question. (2) Gathering the information to answer the question, (3) Analyzing and interpreting the information, dan (4) Sharing the results with the participant. The research results show that there are several factors what can barriers the implementation of a financial reporting system UMKM based digital, namely the lack of business actors’ knowledge regarding the preparation of financial reports and technology, as well as the low interest of UMKM. This research highlights the barriers in implementing financial reports based digital for UMKM. These barriers then become a reference in designing a digital system for UMKM SIAM Syariah financial reports adapted to the needs and conditions of business actors. This information system based digital expected to produce relevant and reliable information according to the needs of UMKM. Different from previous research, this research did not just focus on the barriers to implementing financial reports in UMKM, but also provides concrete and practicial solutions to support of the implementation reports based digital in UMKM.
ANALISIS PELAPORAN KEUANGAN DESA BERDASARKAN STANDAR AKUNTANSI PEMERINTAH (SAP) DI DESA BULIE, KECEMATAN SIBULUE, KABUPATEN BONE Nasrul; Yamin, Muhammad; Ardi, Muhammad
Al Iman: Jurnal Keislaman dan Kemasyarakatan Vol. 9 No. 2 (2025): Al-Iman Jurnal Keislaman dan Kemasyarakatan
Publisher : STID Raudlatul Iman Sumenep

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

Abstract

This study aims to determine whether the Village Government of Bulie has implemented accounting standards in presenting its village financial reports. The research methodology used is qualitative research. The data sources include primary data obtained through direct interviews with the village secretary of Bulie and secondary data derived from relevant documents. The research location is in Bulie Village, Sibulue Subdistrict, Bone Regency. The findings indicate that the financial reporting in Bulie Village is not yet fully aligned with or does not entirely meet several principles of the Government Accounting Standards (SAP). The village government currently prepares only two types of financial reports, while to comply with SAP, seven types of financial statements are required, namely the Budget Realization Report (LRA), the Statement of Changes in Budget Surplus (LPSAL), the Balance Sheet (LN), the Statement of Changes in Equity (LPE), the Operational Report (LO), the Cash Flow Statement (LAK), and the Notes to the Financial Statements (CALK). Based on these findings, it is recommended that the Village Government of Bulie regularly conducts outreach, education, and training for village officials to enhance their understanding of the alignment and regulations related to financial management in accordance with the Government Accounting Standards (SAP). Abstrak Penelitian ini bertujuan untuk mengetahui apakah dalam menyajikan laporan keuangan desa, Pemerintah Desa Bulie sudah menerapkan standar akuntansi dalam pelaporan keungan desa. Metodelogi penelitian yang digunakan adalah penelitian kualitatif. Sumber data yang digunakan yaitu data primer yang diperoleh dengan wawancara langsung dengan sekertaris desa bulie sedangkan data skunder diperoleh dari dokumen yang berkaitan. Lokasi penelitian ini bertempat di Desa Bulie Kecamatan Sibulue Kabipaten Bone. Hasil dari penelitian ini menunjukkan bahwa pelaporan keuangan di Desa Bulie, belum relevan atau belum memenuhi beberapa prinsip Standar Akuntansi Pemerintah (SAP). Sebagaimana pemerintah Desa Bulie hanya membuat dua jenis laporan keuangan, untuk membuat laporan keuangan Desa yang sesuai dengan Standar Akuntansi Pemerintah (SAP) memerlukan tujuh jenis laporan keuangan diantaranya Laporan Realisasi Anggaran (LRA), Laporan Perubahan Saldo Anggaran Lebih (LPSAL), Laporan Neraca (LN), Laporan Perubahan Ekuitas (LPE), Laporan Oprasional (LO), Laporan Arus Kas (LAK), dan Catatan Atas Laporan Keuangan (CALK). Berdasarkantemuan ini, disarankan agar pemerintah Desa Bulie diharapkan sering mengadakan sosialisasi, pendidikan serta pelatihan kepada aparatur Desa terkait keselarasan dan aturan-aturan lain yang berhubungan dengan pengelolaan keuangan sesuai dengan Standar Akuntansi Pemerintah (SAP) agar bisa lebih memahami tentang Standar Akuntasi Pemerintah (SAP).
Co-Authors A Mustava, Novia Abda Abda Abdul Latif Adhilia, Firas Aditya, Farhan Adiyanti, Rini Afna, Nur Ahmad Rifqi Asrib Ajuna, Luqmanul Hakiem Alam, Ashary Amir, Muhammad Fakhri Andi Dian Angriani, Andi Dian Andi Kusumayanti, Andi Andini, Puspa Ayu Salsabila, Annisa Ayuddin, Ayuddin Azhura, Nur BAKHRANI RAUF Bambang Wispriyono Bugi, Norma Ningsih Cahyono, Yoga Agusta Dwi Darwis Darwis, Rahma Hidayanti Dedi Kurniawan Dedy Kurniawan Dukalang, Hendra Fajar Apriani Fitri Handayani Hafid, Abd Hidayati Darwis, Rahma I Made Kariasa Jannah, Gyna Raudatul Kalengkongan, Merlien Jolanda Karim, Sugeng A Keri, Ismail Khairan, Adinda Rizky Latuconsina, Nur Khalisah Lolongan, Samen Lomagio, Afriana M.M. Nilam Widyarini Mahdin, Mutiyah Mariyah Mariyah Melti, Melti Miru, Alimuddin Sa'ban Miru, Alimuddin Sa’ban Mithen, Mithen Muhammad Ali Muhammad Basri Muhammad Yamin Nasrul Nurlia Nurlita pertiwi, Nurlita Nurshiyam, Nurshiyam Nurwijayanti Paputungan, Ririn Putri, Irmadany Putri, Zalsabila R, Andi Yusdy Dwiasta Rahmadhani, Deva Allegra Rahmansah Rahmatia Rahmatia, Rahmatia Ramadhan Akbar, Fathur Rauf, Bakhrani A Rinaldy, Muhammad Rinda, Rizky Sulvika Puspa Salendu, Putri Christy M Salim Harris, Salim Samad, Putri Ida Sunaryathy Sari, Novalin Delvia Siti Helmyati Sjafruddin, Rahmiah Solly Aryza Srigandawati Srigandawati, Srigandawati Suradi Tahmir, Suradi Syafri, Syafri Syarif, Isymiarni Thalita Rifda Khaerani Wahyuni, Uni