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All Journal Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Pendidikan Indonesia (Japendi) Journal of Educational Management Research Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Rahmayati
Universitas Muhammadiyah Sumatera Utara
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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 1 
Implementasi Pengelolaan Manajemen Keuangan Syariah di Tadika Tinta Khalifah, Sungai Karangan Penang-Malaysia “Perspektif” H. Dadang Husen Sobana M.Ag Sholawatin Meisya Anggraini; Rahmayati
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 1 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i1.21557

Abstract

Financial management activities at Tadika Tinta Khalifah Penang, Malaysia are conducted based on data collection from the prevailing situation. This research focuses on understanding the management practices at Tadika Tinta Khalifah, specifically in budget planning, accounting, and auditing. Qualitative research methods are employed for this study, with the owner of Tadika Tinta Khalifah Penang, Malaysia, and the finance staff serving as the respondents. Interviews are utilized as the primary data collection method. The implementation of financial management is tailored to the needs and various costs, requiring collaboration for smooth operation. The Islamic Caliphate's financial management, engaged in non-profit activities, follows a structured approach encompassing initial planning, directing, implementing, financial management, and ongoing reporting. The overarching goal is to enhance overall quality and performance.
PENERAPAN LITERASI KEUANGAN SYARIAH PADA TADIKA AL FIKH ORCHARD SELANGOR MALAYSIA Raihan Adhatia; Rahmayati
Jurnal Pendidikan Indonesia Vol. 6 No. 4 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i4.7705

Abstract

Rendahnya tingkat pemahaman masyarakat terhadap konsep keuangan syariah, termasuk di kalangan anak-anak usia dini, menjadi tantangan besar dalam membentuk generasi yang melek literasi keuangan sesuai prinsip syariah. Padahal, penanaman nilai-nilai literasi keuangan sejak dini sangat penting sebagai bekal untuk membentuk perilaku bijak dalam mengelola keuangan dan menghindari praktik-praktik yang tidak sesuai dengan ajaran Islam. Penelitian ini bertujuan agar dapat membahas betapa pentingnya penerapan literasi keuangan syariah dan meningkatkan pemahaman tentang keuangan sebagai bekal bagi anak-anak usia dini di tadika. Metode yang diterapkan berupa metode kualitatif dengan pengumpulan data melalui wawancara bersama pihak tadika. Hasil penelitian menunjukkan bahwa literasi keuangan syariah belum diterapkan secara formal di lingkungan Tadika, namun terdapat potensi besar dalam penerapannya melalui pendekatan yang menyenangkan seperti permainan edukatif dan kegiatan sedekah. Penerapan literasi keuangan syariah terbukti mampu meningkatkan pemahaman anak-anak tentang konsep menabung, membedakan kebutuhan dan keinginan, serta membentuk sikap hemat sesuai prinsip syariah. Penelitian ini menyimpulkan bahwa literasi keuangan syariah yang diterapkan sejak usia dini memiliki dampak positif dalam membentuk karakter dan kebiasaan keuangan anak yang sesuai dengan ajaran Islam.
Analisa SWOT Entrepreneur Woman dalam Pengembangan Tadika Alfikh Orchard Ardila Putri; Rahmayati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i4.7239

Abstract

This study examines the development of TADIKA Alfikh Orchard through a comprehensive SWOT analysis, focusing on women's entrepreneurship in early childhood education management in Malaysia. Employing a qualitative descriptive methodology, the research utilized participatory observation and in-depth interviews during an International Community Service Program. The study reveals that women entrepreneurs demonstrate distinctive capabilities in integrating Islamic values with contemporary educational approaches. Key findings highlight the institution's strengths in financial literacy implementation and innovative learning programs, while identifying external opportunities in the growing demand for Islamic-based early childhood education. The research concludes that strategic networking, robust financial management, and continuous professional development are critical for sustainable growth in early childhood educational institutions. The study contributes to the understanding of women's entrepreneurship in educational contexts and provides strategic insights for institutional development in the Southeast Asian educational landscape.
Strategi Peningkatan Inklusi Keuangan Syariah di Sekolah An-Nikmah Kamboja Farhan Wardana Solin; Rahmayati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i8.9407

Abstract

                This study aims to analyze strategies for increasing Islamic financial inclusion at An-Nikmah School in Cambodia, an Islamic educational institution in a country with a Muslim minority population. The main challenge faced is students' limited practical understanding of and access to Islamic financial products. This research used a descriptive-qualitative case study approach. Data were collected through in-depth interviews, participant observation, and document analysis with 33 participants, including students, teachers, school administrators, parents, community leaders, and financial practitioners. The results reveal internal strengths in the form of a commitment to Islamic principles, as well as challenges such as limited learning resources and technological infrastructure. The resulting strategies include the development of an integrated curriculum, teacher training, a mini-finance laboratory, a family literacy program, and partnerships with regional Islamic financial institutions. Implementation requires a phased approach with a monitoring system and innovative learning technology. This research provides an empirical contribution to strengthening Islamic financial literacy in education in a Muslim minority country.
Fraud Prevention Model in Sharia Financial Institutions in Medan City Riyan Pradesyah; Rahmayati; Khairunnisa
Jurnal Aplikasi Bisnis dan Manajemen Vol. 12 No. 1 (2026): JABM, Vol. 12 No. 1, Januari 2026
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.12.1.244

Abstract

Background: Fraud in Islamic financial institutions remains a concerning issue despite their strong normative foundation in ethical and religious values. Emerging evidence suggests that structural and psychosocial pressures, such as lifestyle and organizational culture, may override personal religious values in influencing fraudulent behavior.Purpose: This study aims to analyze the direct and indirect influence of religiosity, work environment, and lifestyle on fraud behavior among employees of Islamic financial institutions, with social climber behavior as a mediating variable.Design/Methodology/Approach: Using a quantitative approach, data were collected from 160 respondents selected based on purposive sampling. The analysis employed Structural Equation Modelling (SEM) with SmartPLS 3.0 software to test the proposed hypotheses and examine both direct and mediated effects.Findings/Result:  This study indicates that religiosity does not affect fraudulent behavior or social climbing. A healthy work environment suppresses deviant behavior, while a consumptive lifestyle increases it. Additionally, social climbing serves as a mediator linking the influence of the work environment and lifestyle on fraudulent behavior.Conclusion: Structural and psychosocial variables play a more substantial role in predicting fraud compared to personal religiosity, which appears insufficiently internalized to deter unethical conduct. Organizational policies should thus prioritize adaptive control systems, lifestyle management, and early psychosocial assessments in fraud prevention.Originality/Value: This study extends the Fraud Triangle Theory by integrating the social climber construct and testing its mediating role. It provides a nuanced understanding of how symbolic social pressures can drive fraud in Islamic financial contexts, offering practical implications for risk mitigation strategies beyond conventional religious approaches. Keywords: work environment, fraud behavior, lifestyle, religiosity, social climber  
Beyond Convenience: Generation Z’s Perceptions of E-Wallet Use and Its Implications for Financial Literacy and Educational Management Umar Bain; Rahmayati
Journal of Educational Management Research Vol. 5 No. 3 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i3.2003

Abstract

This study aims to analyze Generation Z’s perceptions of the use of e-wallets such as Touch 'n Go, GrabPay, and MAE in their daily financial activities and to examine the implications for digital financial behavior and educational management. The study uses a qualitative approach with a descriptive case study design to obtain an in-depth understanding of users’ experiences with digital payment technologies. Informants were selected through purposive sampling based on the criteria of belonging to Generation Z and actively using at least one e-wallet application. Data were collected through in-depth interviews, observation, and documentation, and analyzed using interactive analysis techniques including data reduction, data display, and conclusion drawing. The findings show that Generation Z generally has positive perceptions of e-wallet usage, particularly regarding convenience, usefulness, and the integration of digital services that facilitate efficient transactions. However, ambivalent perceptions were also identified, especially related to concerns about data security and the potential for consumptive behavior due to promotional incentives such as cashback and discounts. These findings indicate that e-wallets are perceived not only as payment tools but also as part of the digital lifestyle of Generation Z. The study highlights the importance of strengthening digital financial literacy and responsible financial behavior through educational management strategies.
Strategies for Enhancing Sharia Financial Literacy in Early Childhood Education Poppy Indah Lestari; Rahmayati
Journal of Educational Management Research Vol. 5 No. 3 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i3.2181

Abstract

This study aims to analyze strategies for improving Islamic financial literacy in early childhood education institutions. Using a qualitative approach with a case study design, data were collected through non-participatory observation, in-depth interviews with key stakeholders (principal, treasurer, and teachers), and document analysis. Data analysis followed the Miles and Huberman model, involving data reduction, presentation, and conclusion drawing. The findings reveal that effective strategies include integrating Islamic financial values into children's learning activities, implementing Sharia-compliant institutional financial management, involving teachers and parents, and promoting saving and sharing practices. These strategies enhance understanding of Islamic financial literacy and improve transparency and accountability in financial management. The study concludes that Islamic financial literacy can be developed from an early age through habituation, role modeling, and Sharia-based institutional practices, although further capacity building for human resources and continuous program strengthening are needed.
Co-Authors Ardila Putri Farhan Wardana Solin Khairunnisa Poppy Indah Lestari Pradesyah, Riyan Raihan Adhatia Sholawatin Meisya Anggraini Umar Bain