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All Journal Rihlah Jurnal Sejarah dan Kebudayaan DIKTUM: Jurnal Syariah dan Hukum AL-MAIYYAH SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Jurnal Hukum Ekonomi Syariah Inspiring: English Education Journal Jurnal Ilmu Manajemen Profitability Al-MAIYYAH : Media Transformasi Gender dalam Paradigma Sosial Keagamaan International Journal of Health, Economics, and Social Sciences (IJHESS) Jurnal Ar-Ribh INVOICE : JURNAL ILMU AKUNTANSI Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Al-Iftah: Journal of Islamic studies and society Indo-Fintech Intellectuals: Journal of Economics and Business Economos : Jurnal Ekonomi dan Bisnis Al Rikaz : Jurnal Ekonomi Syariah Riwayat: Educational Journal of History and Humanities Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan Islamic Financial And Accounting Review Balance: Jurnal Ekonomi
Muzdalifah Muhammadun, Muzdalifah
Unknown Affiliation
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Tafsīr Al-Aḥkām's Analysis of Demoralization in Cases of Sexual Harassment in Educational Institutions in Indonesia Sangaji, Ruslan; Amin, Surahman; Muhammadun, Muzdalifah; Syarifuddin, Samsinar; Usman, Bustami
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol 7, No 2 (2023): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/sjhk.v7i2.17028

Abstract

Sexual harassment is a violation of Islamic law and is inconsistent with the values of all religions and moral norms. The rise of sexual violence in educational institutions is concerning. This study aims to analyze and evaluate the demoralization that occurs in Indonesian educational institutions after the emergence of sexual harassment committed by caregivers or staff. Using a descriptive qualitative method analyzed through the tafsīr al-aḥkām approach, data was collected through interviews and literature studies. The findings indicate that sexual harassment in educational institutions is often done through coercion, using dogmatic methods or luring victims. This behavior undermines the maqāshid of the Qur'an, teachings of all religions, and moral norms. Teachers and caregivers are meant to be dignified and honorable people. Sexual harassment is a form of sexual violence that harms victims both physically and mentally. Interpretation scholars emphasize that every individual has the right to dignity and honor, which Islamic shari'a regulates. Therefore, Islamic law prohibits immoral acts, including sexual harassment, which is considered faḥsyā’ or fāḥisyah (abominable), as it can injure human glory and dignity. The demoralization that occurs will affect the degradation of the charisma of educational institutions and weaken the sacred relationship between caregivers and students.
Exploration of Employee Knowledge about Financing Products: A Study at Bank Muamalat KC Parepare Arwin, Arwin; Ulandari, Dewianti; Muhammadun, Muzdalifah
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 2 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 2
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i2.1429

Abstract

Knowledge of financing products is a crucial factor in providing optimal service to customers, especially in Islamic banking which has special characteristics. Frontliners as the spearhead of service are expected to have adequate understanding of the financing products offered. This study aims to analyze financing products and the level of knowledge of Bank Muamalat KC Parepare employees regarding these products. The approach used is qualitative with a case study design and field research methods. Data were collected through observation, interviews, and documentation, then analyzed using N-Vivo 14 Pro software. The results of the study indicate that Bank Muamalat KC Parepare offers various sharia-based financing products, such as KPR Hijrah, Multiguna, Prohajj Plus, and Back To Back, with sharia contracts such as Murabahah, Musyarakah Mutanaqishah, and Wakalah bi Ujrah. Analysis of employee knowledge levels shows good results, especially in terms of products, contracts, financing, needs, and finance. However, there is still room for further development to improve employee understanding more comprehensively. This study is expected to be a reference for banks in improving employee competence to support excellent service to customers.
Pengelolaan Usaha Tiram Dalam Meningkatkan Ekonomi Keluarga Di Lajari Kabupaten Barru (Analisis Ekonomi Islam) Nugroho, Muhammad Dandi; Muhammadun, Muzdalifah; Hamang, M. Nasri; Addury, Multazam Mansyur
Al Rikaz: Jurnal Ekonomi Syariah Vol 1 No 1 (2022): Al Rikaz: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/rikaz.v1i2.6398

Abstract

This research investigates the impact of oyster business management on improving the economic conditions of families in Lajari, Barru district, through the lens of Islamic economics. The study has three primary objectives: firstly, to assess the economic status of families in Lajari, Barru district; secondly, to analyze the contributing factors to the success of oyster business management in enhancing the family economy in the area; and thirdly, to explore the implementation of oyster business management in light of Islamic economic principles. Employing a qualitative research approach with a descriptive method, the study utilizes observation, interviews, and documentation as data collection techniques, drawing information from interviews with oyster business practitioners. The findings reveal several noteworthy aspects. First, the establishment of grilled oyster enterprises has positively impacted the economic conditions of families in the locality, leading to an indirect increase in their income. Second, the success of the grilled oyster business can be attributed to effective sales promotion, marketing strategies, and responsiveness to consumer demands, allowing the business to sustain and thrive over time. Third, oyster entrepreneurs exhibit appropriate business practices, prioritizing the common interests of the family without causing harm to others, and aligning their actions with Islamic principles in both income generation and management.
Sistem Pengelolaan Bantuan Langsung Tunai (BLT) dalam Pemenuhan Kebutuhan Masyarakat yang Terdampak Covid 19 di Desa Sali-Sali Kabupaten Pinrang (Analisis Ekonomi Syariah) Usbala, Aminuddin; Muhammadun, Muzdalifah; Hannani; Ghasali, Ihsan
Al Rikaz: Jurnal Ekonomi Syariah Vol 1 No 1 (2022): Al Rikaz: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/rikaz.v1i2.6399

Abstract

Dampak yang ditimbulkan oleh pandemi Covid-19 adalah perekonomian yang tidak berjalan semestinya. Di Indonesia, akibat pandemi ini perekonomian masyarakat menjadi menurun, Program Bantuan Langsung Tunai (BLT) dana desa yang sebenarnya diperuntukkan bagi pembangunan dan pengembangan desa, dialihkan menjadi dana bantuan tunai yang dinamakan dengan Bantuan Langsung Tunai (BLT) Dana Desa. Tujuan Penelitian ini adalah untuk mengetahui bagaimana pengelolaan bantuan langsung tunai (BLT) berimplikasi terhadap pemenuhan kebutuhan masyarakat yang terdampak Covid-19 di Desa Sali Sali menurut prinsip ekonomi syariah. Penelitian ini menggunakan pendekatan Kualitatif. Faktor-faktor yang mengakibatkan pengelolaan BLT tidak berjalan semestinya, yaitu peraturan pemerintah pusat yang tidak membolehkan masyarakat yang telah terdata data terpadu kesejahteraan sosial (DTKS) menerima bantuan langsung tunai (BLT) dari dana desa, penyesuaian data dan waktu yang terbatas, kondisi geografis di Desa Sali Sali, manajemen dana desa dan kurangnya pemahaman masyarakat mengenai beragamnya bantuan di masa pandemi Covid-19. (3) Pengelolaan bantuan langsung tunai di Desa Sali Sali di tinjau dari prinsip ekonomi syariah telah menerapkan beberapa prinsip yang sesuai. Pengelola telah Amanah dalam mengelola dana dengan data, jujur dan adil dalam menyalurkan bantuan meski tidak mempertimbangkan kemashlahatan karena menaati peraturan yang telah ditetapkan oleh pemerintah pusat.
Pengaruh Diskon Terhadap Peningkatan Impulse Buying Pembeli di Toko Sejahtera Kota Parepare Arliny, Adinda; Muhammadun, Muzdalifah; Rusnaena; Pangestu, Dian Resky
Al Rikaz: Jurnal Ekonomi Syariah Vol 1 No 1 (2022): Al Rikaz: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/rikaz.v1i2.6406

Abstract

This study aims to investigate the effectiveness of discounts on impulse buying at the Sejahtera Store in Kota Parepare. Additionally, the research aims to explore the magnitude of the impulse buying rate at the Prosperous Store in Parepare City and to establish a positive and significant relationship between discount provisions and impulse buying. The research employs a descriptive quantitative method and is conducted at the Sejahtera Store in Parepare City over a period of 31 days. Data collection is carried out using questionnaires, with a sample size of 100 individuals selected from a total population of 12,900. Data analysis includes the utilization of the One Sample T-test, Pearson product-moment correlation test, simple linear regression test, and determination coefficient test. The study findings demonstrate a significant impact of discounts on impulse buying behavior. The test results reveal a positive and statistically significant relationship between discounts and impulse buying at the Prosperous Store in Parepare City. The discounts' influence on impulse buying is estimated to be around 40.3%, while the remaining 59.7% of impulse buying is influenced by factors not examined in this study. In conclusion, the research highlights the importance of discounts in driving impulse buying behavior and provides valuable insights for retailers to optimize their marketing strategies effectively.
Comparisonal Analysis Of Financial Distress On Sharia Bank And Conventional Bank Based On The Altman Z-Score Method S, Muhlisa; Muhammadun, Muzdalifah; Sahara, Ira
Islamic Financial And Accounting Review Vol 1 No 1 (2022): Islamic Financial And Accounting Review (iFAR)
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/ifar.v1i1.3205

Abstract

The role of banking in advancing the economy of a country is very large. The current economy cannot be separated from the banking world. In condition that , banking sued for capable facing and overcoming financial distress. This study aim for compare the level of financial distress of Islamic banks and conventional banks with Altman Z-Score method for the period 2015-2019. This research is a quantitative study. As for the variables compared _ are net working capital to total assets (X1), retained earnings to total assets (X2), earnings before interest and taxes to total assets (X3), book value of equity to total (X4), and Z-Score. Sample chosen use method purposive sampling . As for the sample consist from Islamic banks (Bank Muamalat Indonesia, Bank BNI Syariah, and Bank Mega Syariah) and conventional banks (Bank Mandiri , Bank BRI, and Bank BTN) for the 2015-2019 period. Hypothesis testing method use Mann Whitney U Test. Test results show comparison level performance Islamic bank finance and conventional bank based on net working capital to total assets (X1) shows value 0.000 <0.05 means H0 is rejected, retained earnings to total assets (X2) shows value 0.000 <0.05 means H0 is rejected, earning before interest and taxes to total assets (X3) shows a value of 0.003 <0.05 means that H0 is rejected and the book value of equity to total liabilities (X4) shows that value 0.000 <0.05 means H0 is rejected so that there is difference significant . Whereas results comparison the level of financial distress based on the Z-Score shows value 0.178> 0.05 so that H0 is accepted . This means that no there is significant difference Among Islamic banks and conventional banks .
THE INFLUENCE OF INTELLECTUAL CAPITAL AND SHARIA FINANCIAL LITERACY ON FINANCIAL BEHAVIOR IN PAREPARE CITY MSMEs Tamara, Ainun; Muhammadun, Muzdalifah; Andi Ayu Frihatni
Islamic Financial And Accounting Review Vol 1 No 2 (2023): Islamic Financial And Accounting Review (iFAR)
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/ifar.v1i2.10658

Abstract

This research aims to determine the influence of Intellectual Capital and Sharia Financial Literacy on Financial Behavior in Parepare City MSMEs, both partially and simultaneously. This research uses quantitative research methods with an associative approach and field research. The data collection technique used was observation and distribution of questionnaires to 100 Parepare City MSMEs as samples in this research. The data processing technique uses the SPSS version 25 application with research instrument testing, classical assumption testing, and hypothesis testing. The results of the research that has been carried out are partial, the two independent variables, namely Intellectual Capital and Sharia Financial Literacy, both have a significant influence on the dependent variable, namely Financial Behavior. Likewise, simultaneously, Intellectual Capital and Sharia Financial Literacy have a significant effect on Financial Behavior.
The Impact of the Baznas Z-Auto Program on Improving the Community's Economy in Kab. Barru (Sharia Economic Analysis) HS, Lifityani; Muhammadun, Muzdalifah; Damirah, Damirah; Idris, Masyar; Bahri, Andi
Jurnal Ilmu Manajemen Profitability Vol. 9 No. 2 (2025): AGUSTUS 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/fnsg4027

Abstract

Zakat-based empowerment programs are an important instrument in supporting sustainable community development, yet studies assessing their effectiveness at the local level remain limited. In particular, empirical evidence on how zakat programs align with sharia economic principles while enhancing the welfare of beneficiaries is still underexplored. This study seeks to fill this gap by examining the impact of the BAZNAS Z-Auto Program on community economic empowerment in Barru Regency. The research employed a mixed-method case study approach that combined descriptive quantitative and qualitative analysis, allowing for an in-depth understanding of both program outcomes and implementation mechanisms. Data were collected from mustahik beneficiaries, program documentation, and institutional reports to capture the program’s effectiveness and challenges. The findings indicate that the Z-Auto Program has positively contributed to improving the economic welfare of mustahik through the provision of productive facilities and targeted assistance. Moreover, the integration of sharia principles is evident: siddiq (truthfulness) through transparent beneficiary selection and reporting, amanah (trustworthiness) in fund management, fathonah (professionalism) in planning and mentoring, and tabligh (transparency) in communication. While some challenges remain in disseminating information broadly, the overall synergy of these principles enhances program sustainability. These results enrich the literature on zakat-based empowerment and provide practical insights for policymakers and zakat institutions in designing more effective and sharia-compliant community development strategies.
Relevansi Prinsip Bagi Hasil dalam Sistem Ekonomi Islam Modern: Menyikapi Tantangan Keuangan Global Nurdin, Fitriana; Muhammadun, Muzdalifah
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 3 (2025): Edisi Khusus Perbankan (Maret)
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i3.13993

Abstract

This article examines the relevance of the Profit-and-Loss Sharing (PLS) principle in modern Islamic economics in response to global financial challenges and digital transformation. Employing a systematic literature review (SLR) method, the study analyzes 30 academic sources to explore: (1) the theological and ethical foundations of PLS, (2) barriers to its implementation in Islamic financial institutions, and (3) opportunities for integrating PLS with emerging technologies such as fintech and blockchain. The findings indicate that while normatively PLS promotes equitable risk-sharing and transparency, practical constraints include moral hazard, information asymmetry, and weak regulatory infrastructure. The adoption of digital finance offers potential solutions via smart contracts and Shariah-compliant platforms, contingent upon supportive and adaptive policy frameworks. This article develops a conceptual framework linking normative Islamic values with digital financial innovation, proposing a technology-driven operational model for PLS. The implications include regulatory reform, human resource development in Islamic finance, and strategic alignment with global efforts to build a more inclusive and resilient financial system.
Pillars of Performance Improvement of Bawaslu Sidenreng Rappang Through Budget Accountability and Transparency Wahyuni, A; Semaun, Syahriyah; Muhammadun, Muzdalifah; Damirah, Damirah; Frihatni, Andi Ayu
Invoice : Jurnal Ilmu Akuntansi Vol. 7 No. 2 (2025): September 2025
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/5gq6e415

Abstract

This study aims to analyze the effect of accountability and transparency on the performance of Bawaslu Sidrap in managing the 2024 election budget. The research employs a quantitative descriptive approach with an associative design. The population includes all employees of Bawaslu Sidenreng Rappang Regency involved in the 2024 general election, and data were collected through questionnaires distributed via Google Forms. The results indicate that accountability achieved 77%, transparency 74%, and performance 74%, exceeding the expected value of 65%. Correlation analysis demonstrates that both accountability (X1) and transparency (X2) have a strong and significant relationship with Bawaslu performance (Y), with Pearson correlation coefficients of 0.679 and 0.722, respectively. The t-test shows that accountability significantly influences performance (p = 0.028 < 0.05), whereas transparency does not show a significant effect (p = 0.62 > 0.05). The F-test results confirm that accountability and transparency simultaneously have a significant effect on performance, suggesting that the variables complement each other when assessed together. These findings underscore the importance of strengthening accountability mechanisms to enhance Bawaslu’s effectiveness in managing election budgets. Although transparency supports good governance, its independent effect on performance is limited. Therefore, integrated strategies focusing on accountability improvement are essential to optimize institutional performance and ensure credible and efficient budget management.
Co-Authors Abdil Dzil Arsy Amalia, Kiki Reski Aminah, St AMZAH SELLE, AMZAH Andi Ayu Frihatni Andi Bahri S Andi Bahri, Andi Areski, Widya Pribadiyanti Arliny, Adinda Arwin Arwin Arwin Astuti, An Ras Try Bahri. S, Andi Bustami Usman, Bustami DAMIRAH DAMIRAH, DAMIRAH Darmawati Darmawati Fatmawati, Fatmawati Firman Firman Frihatni, Andi Ayu Ghasali, Ihsan Hannani Hasnani Siri HS, Lifityani Idris, Masyar Kaharuddin M. NASRI HAMANG, M. NASRI Mahsyar, Mahsyar Multazam Mansyur Addury Nugroho, Muhammad Dandi Nurdin, Fitriana Pangestu, Dian Resky Rahmatillah, Sri Fatimah Ramadhani, Amalia Ramli, Nurleli Rusnaena S, Andi Bahri S, Muhlisa Safitri, Mustika Ayu Sahara, Ira Sangaji, Ruslan Sardia Sarifah Sarifah St. Aminah Suarning, Suarning Sumi Surahman Amin, Surahman Syahriyah Semaun, Syahriyah Syarifuddin, Samsinar Tamara, Ainun Ulandari, Dewianti Usbala, Aminuddin Wahyuni, A Yassin, Muhammad