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All Journal CARE: Jurnal Pengabdian Multi Disiplin Journal of Economic, Management, Business, Accounting Sustainability General Multidisciplinary Research Journal Journal of Financial and Business Journal of Community Service and Empowerment
Suci Mardiyah
Universitas Pahlawan Tuanku Tambusai
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Peningkatan Literasi Keuangan Syariah Pada Karyawan Perumdam Tirta Kampar Wahyu Febri Ramadhan Sudirman; Rinda Fithriyana; Muhammad Syaipudin; Saru Reza; Mohd Winario; Suci Mardiyah
CARE: Journal Pengabdian Multi Disiplin Vol. 1 No. 2 (2023)
Publisher : Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (948.381 KB) | DOI: 10.31004/care.v1i2.16085

Abstract

Pelaksanaan pengabdian yang kami lakukan bertujuan untuk meningkatkan literasi keuangan syariah pada karyawan Perusahaan Daerah Air Minum (Perumdam) Tirta Kampar. Dalam era globalisasi dan perkembangan pesat di sektor keuangan, pemahaman yang mendalam tentang prinsip-prinsip ekonomi Islam dan pengelolaan keuangan yang sesuai dengan prinsip syariah menjadi semakin penting. Oleh karena itu, kami mengambil inisiatif untuk memberikan pengetahuan dan keterampilan kepada karyawan Perumdam Tirta Kampar agar mereka dapat memanfaatkan potensi keuangan syariah dengan baik. Melalui program ini, kami menyadari bahwa karyawan Perumdam Tirta Kampar adalah bagian integral dari perekonomian lokal dan memiliki peran yang signifikan dalam pengelolaan keuangan mereka sendiri. Namun, kurangnya pemahaman tentang prinsip-prinsip keuangan syariah dapat menjadi hambatan bagi mereka dalam memanfaatkan peluang ekonomi yang ada. Oleh karena itu, kami berkomitmen untuk membantu karyawan Perumdam Tirta Kampar dalam meningkatkan literasi keuangan syariah mereka. Kegiatan ini akan memberikan pemahaman yang lebih mendalam tentang manfaat dan keuntungan dari pengelolaan keuangan syariah yang bertanggung jawab dan berkelanjutan. Dengan adanya program peningkatan literasi keuangan syariah ini, kami berharap karyawan perumdam tirta kampar akan menjadi lebih sadar dan terampil dalam mengelola keuangan mereka sesuai dengan prinsip-prinsip syariah. Hal ini tidak hanya akan memberikan manfaat bagi karyawan secara individu, tetapi juga bagi masyarakat secara luas. Dengan pemahaman yang baik tentang keuangan syariah, karyawan dapat berkontribusi pada pembangunan ekonomi syariah yang inklusif dan berkelanjutan di Kampar.
Education on Saving and Transactions in Accordance with Sharia Principles for Students and the Community Suci Mardiyah; Saru Reza; Hidayat Hidayat; Mohd Winario
Journal of Community Service and Empowerment Vol. 2 No. 1 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jcse.v2i1.79

Abstract

Sharia financial literacy is a crucial aspect in developing healthy financial behavior in accordance with Islamic values. However, the level of public and student understanding of the concept of saving and transactions based on Sharia principles still needs to be improved. This community service activity aims to increase the knowledge, understanding, and awareness of students and the community regarding the importance of saving and transactions in accordance with Sharia principles. The activity was implemented through a participatory approach, encompassing preparation, educational outreach, interactive discussions, practical simulations, evaluation, and follow-up. The material presented covered the basic concepts of Sharia banking, the importance of saving, Sharia savings products, and the application of Sharia principles in daily financial transactions. The results of the activity showed an increase in participants' understanding of the differences between Sharia and conventional banks, the concept of profit-sharing, and the importance of avoiding transactions containing elements of riba, gharar, and maysir. Furthermore, participants demonstrated high enthusiasm throughout the activity and were more motivated to adopt savings habits and use Sharia financial services. This activity makes a positive contribution to increasing Islamic financial literacy and inclusion and encourages wiser, more responsible financial behavior that aligns with Islamic principles.
Implementasi Green Economy Dalam Perspektif Islam: Tinjauan Terhadap Kebijakan Pembangunan Dan Berkelanjutan Suci Mardiyah; Mohd Winario; Zubaidah Assyifa; Yudi Irwan
Journal of Economic, Management, Business, Accounting Sustainability Vol. 3 No. 1 (2026): Februari 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/joembas.v3i1.455

Abstract

This study aims to comprehensively examine how the implementation of a green economy can be understood and operationalized from an Islamic perspective through a review of sustainable development policies. The method used is a qualitative-descriptive approach with a literature review of academic sources, international and national policy reports, and contemporary Islamic economics literature. The results of the study indicate that green economy principles such as resource efficiency, low-carbon development, social inclusiveness, and ecosystem protection are normatively aligned with the objectives of the maqāṣid al-sharī‘ah (Islamic principles), particularly in safeguarding religion (ḥifẓ al-dīn), life (ḥifẓ al-nafs), intellect (ḥifẓ al-‘aql), progeny (ḥifẓ al-nasl), and wealth (ḥifẓ al-māl). In the context of sustainable development policies, the implementation of an Islamic-based green economy is reflected in policy instruments that encourage green investment, equitable natural resource management, the strengthening of sustainable Islamic finance, such as green sukuk, and regulations that limit overexploitation and environmental damage. However, this study also identifies several challenges, including the limited integration of Islamic values ​​in public policy formulation, the dominance of conventional economic paradigms focused solely on growth, and weak coordination among stakeholders. Therefore, this article emphasizes the importance of mainstreaming Islamic economic values ​​in sustainable development policies so that the implementation of a green economy is not merely technocratic but also grounded in ethics and moral responsibility, thereby achieving sustainable, equitable prosperity aligned with long-term development goals.
Principles of Accounting Calculations in Sharia Banking Suci Mardiyah; Syafnur Muhammad Rizky; Mifta Hasda; Hidayat Hidayat; Wahyu Febri Ramadhan Sudirman; Rinda Fithriyana
General Multidisciplinary Research Journal Vol. 1 No. 2 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/general.v1i2.8

Abstract

Introduction: This article aims to provide a better understanding of Accounting Principles in Islamic Banking. Methods: The research method used is the literature research method or literature review. The purpose of literature research is to understand existing understanding of a research topic, identify knowledge gaps, and provide a conceptual basis for further research. Results: The research results provide a better understanding of the calculations and accounting treatment of sharia banking products, as well as discussing the importance of compliance with Islamic sharia principles in sharia banking operations. Conclusion and suggestion: This article highlights the importance of research and a deeper understanding of calculations and accounting treatment in sharia banking products to strengthen accounting practices following sharia principles. The implication of this article is to increase understanding and awareness of sharia banking among the wider community. With a better understanding of how Islamic banking operates and how their financial products and services are managed accounting, people can make smarter financial decisions that comply with sharia principles.
Digital-Based Zakat Management at the National Amil Zakat Agency Alfiatun Zahrah; Bunga Andini; Suci Mardiyah; Syafnur Muhammad Riski; Iskandar Iskandar
General Multidisciplinary Research Journal Vol. 2 No. 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/general.v2i2.42

Abstract

Introduction:This study aims to analyze zakat management at the National Zakat Agency (BAZNAS) in the digital era, focusing on the role of information technology in improving the effectiveness, efficiency, transparency, and accountability of zakat management. As one of the pillars of Islam, zakat plays a crucial role in promoting social welfare and reducing economic inequality. Therefore, optimal zakat management is essential, especially in today’s digital environment. Methods:This research employs a qualitative approach with a case study design. Data were collected through in-depth interviews and document analysis conducted at several zakat management institutions. The study focuses on identifying how digital systems are implemented and the challenges faced in integrating information technology into zakat management. Results:The findings reveal that the integration of digital technology—such as online platforms, mobile applications, and integrated information systems—significantly contributes to the efficiency of zakat collection and distribution processes. Digital tools also facilitate the identification of mustahik (zakat recipients), accelerate the distribution of aid, and enhance public trust in zakat institutions through transparent financial reporting. Conclusion and Suggestion: The study concludes that digital transformation plays a pivotal role in improving the performance and accountability of zakat management. However, challenges remain, including limited digital infrastructure and the need to enhance technological literacy among zakat managers. Therefore, developing robust information systems, strengthening human resource capacity, and fostering collaboration among stakeholders are key strategies for realizing effective and impactful zakat management in the digital era.
Comparative Analysis of The Benefits of Sukuk and Bonds in Indonesia Suci Mardiyah; Alfiatun Zahrah; Muhammad Syaipudin; Mifta Hasda; Wahyu Febri Ramadhan Sudirman
Journal of Financial and Business Vol 1 No 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i1.13

Abstract

This research aims to analyze the comparison of profits between sukuk and bonds in Indonesia, focusing on aspects such as structure, principles, and regulations, as well as the risk and profit profile of each instrument. Sukuk, which is based on Islamic sharia principles, offers the benefits of real asset ownership and profit-sharing-based income, while conventional bonds offer certainty of income through fixed interest payments. This study also discusses regulations governing the issuance of sukuk and bonds, and their impact on investment security and transparency. The analysis results show that sukuk are more attractive to investors who seek sharia compliance and stability in real assets, while bonds are more attractive to those who want income certainty and investment flexibility. This research concludes that the choice between sukuk and bonds must be adjusted to the risk profile, investment objectives, and personal preferences of each investor in Indonesia.
Legal Risk Analysis in the Sharia Bank Operational System Alfiatun Zahrah; Suci Mardiyah; Muhammad Syaipudin; Saru Reza
Journal of Financial and Business Vol 1 No 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i2.33

Abstract

This study analyzes legal risks in the operational system of Islamic banks, with the aim of identifying factors that can affect legal compliance and their implications for the stability of Islamic banking. Islamic banks operate based on sharia principles as stated in national regulations and fatwas of the National Sharia Council (DSN), so that potential legal risks can arise due to inconsistencies in products and services with sharia provisions, changes in regulations, and lack of legal understanding by stakeholders. This study uses a qualitative method with an analysis of Islamic banking regulations, case studies of legal disputes, and interviews with practitioners and regulators. The results of the study indicate that strengthening compliance with sharia regulations and harmonization between positive law and Islamic law are key to mitigating legal risks. In addition, increasing contract transparency, legal education for industry players, and the active role of supervisory authorities can increase the effectiveness of the operational system of Islamic banks. Thus, this study provides strategic recommendations for Islamic banks in managing legal risks in order to maintain the sustainability and trust of customers in the Islamic banking industry.
Co-Authors Alfiatun Zahrah Bunga Andini Hidayat Hidayat Iskandar Iskandar Mifta Hasda Mohd. Winario Muhammad Syaipudin Rinda Fithriyana Saru Reza Syafnur Muhammad Riski Syafnur Muhammad Rizky Wahyu Febri Ramadhan Sudirman Yudi Irwan Zubaidah Assyifa