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All Journal Community Development Journal: Jurnal Pengabdian Masyarakat Aghniya: Jurnal Ekonomi Islam International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Philology: Journal Of English Language and Literature STARLA : Jurnal Pengabdian Masyarakat International Journal of Islamic Business Management
Cita Ayni Putri Silalahi
Universitas Muslim Nusantara Al-Washliyah
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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LITERASI KEUANGAN “DEBT LOAN” PADA KELOMPOK HALAQOH MINGGUAN BANK WAKAF MIKRO PONDOK PESANTREN MAWARIDUSSALAM Alistraja Dison Silalahi Silalahi; Rukmini Rukmini; Cita Ayni Putri Silalahi; Aria Masdiana Pasaribu
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 4 No. 5 (2023): Volume 4 Nomor 5 Tahun 2023
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v4i5.21635

Abstract

Pentingnya peningkatan pemahaman “debt loan”, merubah mindshet sehingga muncul rasa mampu untuk membayar cicilan, melunasi utang tepat waktu dan menjauhkan rasa nyaman dengan berutang, meminimumkan nasabah yang memiki karakteristik kurang baik yaitu kurangnya rasa perduli dan tanggungjawab bagi nasabah terhadap pinjamannya atau hutangnya, maka kami tim dosen dan mahasiswa melaksanakan pengabdian masyarakat bagi pengurus dan Kelompok Halaqoh Mingguan Bank Waqaf Mikro Pondok Pesantrean Mawaridussalam Jalan Peringgan Desa Tumpatan Nibung Kec. Batang Kuis. Pelaksnaannya dengan sosialisasi menggunakan metode ceramah dan Focus Grup Diskusi (FGD). Pada metode ini ketua tim pengabdian masyarakat menyampaikan dan mepersentasikan materi terkait judul pengabdian masyarakat yang disampaikan sedangkan anggota membagikan materi dan absensi peserta kemudian dilakukan metode diskusi dan tanya jawab. Pelaksanaan pengabdian memberikan kebermanfaatan bagi pengurus, kelompok “Halming” dan masyarakat terutama pembekalan keilmuan dalam mengelola pinjaman pembiayaan tanpa agunan, membuat perencanaan keuangan, pengelolaan usaha, pemahaman pentingnya nilai nilai kerjasama. Radiansyah selaku ketua pengurus dan Bayu Satria Damanik selaku manajer seta tim kelompok halaqah mingguan menyambut sangat baik pelaksanaan pengabdian sebagai pembekalan keilmuan dalam memahami pinjaman, resiko kredit, cara cerdas melunasi hutang. Dalam akhir sambutan beliau meminta agar tim dosen lebih sering memberikan literasi keuangan, berharap agar pengurus kelompok halaqoh mingguan mengkoordinir anggota kelompoknya untuk lebih tertib dalam pemenuhan kewajiban.
THE ROLE OF ISLAMIC BUSINESS ETHICS IN THE DEVELOPMENT OF MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMES) M. Guffar Harahap; Cita Ayni Putri Silalahi
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 3 (2025): September
Publisher : CV. Barokah Publsiher

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Abstract

This research aims to analyze the role of Islamic business ethics in the development of Micro, Small, and Medium Enterprises (MSMEs). This study uses a mixed approach with a quantitative method in the form of a survey of MSMEs and a qualitative method in the form of an in-depth interview with MSME owners or managers. The results of the study show that Islamic business ethics have a positive and significant influence on the performance of MSMEs. The honesty dimension is the key factor that has the most influence on the performance of MSMEs. MSMEs that apply Islamic business ethics at a high level have better performance compared to MSMEs that apply Islamic business ethics at a low level. The implementation of Islamic business ethics in MSMEs still faces several challenges, such as lack of understanding, lack of resources, and unfair competition. This research provides implications for MSME actors, the government, Islamic financial institutions, and subsequent researchers.
Analisis Pelayanan Bank Syariah Indonesia KCP Medan Juanda Friska Haliza Siregar; Haris Sugito Saragih; Cita Ayni Putri Silalahi
AGHNIYA : Jurnal Ekonomi Islam Vol 8, No 1 (2026): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v8i1.30913

Abstract

This study aims to analyze the service quality of Bank Syariah Indonesia (BSI) Medan Juanda Sub-Branch Office based on the Management Fieldwork Program conducted by students of the Sharia Business Management Study Program. The research applied a descriptive qualitative method with data collected through observation and documentation. The results indicate that services at BSI Medan Juanda are good, reflected in employee friendliness, transaction speed, and the clarity of product information. The implementation of sharia principles is ensured since all banking products are supervised by the Sharia Supervisory Board. However, several challenges were identified, such as long queues during peak hours, limited customer service staff, and low customer understanding of sharia products. Recommendations include adding service staff, optimizing digital services through BSI Mobile, and providing continuous socialization of sharia products. The study concludes that services at BSI Medan Juanda have met sharia service standards, although improvements are still required in efficiency and customer literacy.
Implementasi Pendidikan Humanis Islami Dalam Pemulihan Trauma Pascabencana Banjir Di Aceh Cita Ayni Putri Silalahi; Alistraja D. Silalahi; Herlina Hanum Harahap; Nurul Azmi Saragih; Muthmainnatul Husna
STARLA: Jurnal Pengabdian Masyarakat Vol 2 No 2 (2026): Juni
Publisher : CV. BAROKAH PUBLISHER

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Abstract

This community service activity aims to help children recover from post-flood trauma through the implementation of Islamic humanistic education at Sang Juara Tutoring Institute in Aceh Tamiang. The implementation method was carried out through the stages of preparation, implementation, and mentoring using lecture methods, question-and-answer sessions, and religious approaches based on Islamic values. The results of the activity showed a decrease in students’ anxiety and fear, increased learning motivation, self-confidence, and better social interaction. In addition, this activity also instilled the values of patience, trust in Allah (tawakkal), and optimism in students after the disaster. Therefore, Islamic humanistic education proved effective in helping children recover from post-flood trauma.
Pemberdayaan Santri Melalui Edukasi Perencanaan Keuangan Dan Pengelolaan Tabungan Syariah Dalam Mewujudkan Generasi Muslim Yang Cerdas Finansial Di Pondok Pesantren Mawaridussalam Muhammad Radian Syah; Cita Ayni Putri Silalahi; Munawaroh; Muthmainnatul Husna; Safira Khoirunnisa
STARLA: Jurnal Pengabdian Masyarakat Vol 2 No 2 (2026): Juni
Publisher : CV. BAROKAH PUBLISHER

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Abstract

Pengabdian kepada masyarakat ini bertujuan meningkatkan literasi keuangan syariah serta kemampuan perencanaan keuangan pribadi santri Pondok Pesantren Mawaridussalam melalui edukasi dan praktik pengelolaan tabungan syariah. Kegiatan dilatarbelakangi oleh masih rendahnya pemahaman santri mengenai konsep keuangan syariah, pengelolaan uang saku yang cenderung konsumtif, serta belum optimalnya pemanfaatan lembaga keuangan syariah yang telah tersedia di lingkungan pesantren, yaitu BMT Mawaridussalam dan Bank Wakaf Mikro (BWM) Mawaridussalam. Metode pelaksanaan meliputi sosialisasi, pelatihan, simulasi praktik, pendampingan, dan evaluasi yang melibatkan santri, pengelola pesantren, BMT, serta BWM sebagai mitra. Hasil kegiatan menunjukkan adanya peningkatan pemahaman santri mengenai prinsip dasar keuangan syariah, tumbuhnya kesadaran dalam menyusun perencanaan keuangan pribadi, serta meningkatnya minat menabung sesuai prinsip syariah. Selain itu, kegiatan ini memperkuat sinergi antara perguruan tinggi dengan pesantren dalam pengembangan literasi keuangan syariah berbasis praktik nyata. Program ini berpotensi menjadi model pemberdayaan santri yang berkelanjutan melalui pemanfaatan ekosistem keuangan syariah yang telah dimiliki pesantren, sehingga mampu mendukung terbentuknya generasi muslim yang cerdas finansial, mandiri, dan berorientasi pada pengelolaan keuangan sesuai prinsip syariah.
GOOD AND BAD EDUCATIONAL ENVIRONMENT IN ISLAM Dalmi Iskandar Sultani; Cita Ayni Putri Silalahi; Sujarwo; Azrai Harahap; Hafizah Zulkifli; Azzahara Kusuma Dewi; Khotimatunnisa Sinaga
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 5 No. 3 (2025): November 2025 - February 2026
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19466617

Abstract

This activity is called International Visiting Lecture, Community Service and Knowledge Transfer Programme. Using the method of presentation of ideas/technologies and discussions. The results of activities, percentages and discussions about good and bad educational environments, namely the educational environment of families, schools, communities and mosques. If the environment is maintained and maintained and carried out various programs and activities that are useful or well functioned, it will be a good environment. However, if the environment is not maintained, maintained, and functioned as it should, it will become a bad environment. A good environment is a good environment that is beneficial for children's life and growth, a bad environment is one that has an impact on the bad or damaged growth and development of children.
Evolution Halal Industry and The impact to Global Trade : Analysis Comparative Markets Main Cita Ayni Putri Silalahi; M. Guffar Harahap; Muhammad Radian syah
INTERNATIONAL, Journal of Sharia Business Management Vol 3 No 1 (2024): March
Publisher : CV. Barokah Publsiher

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Abstract

Study This done For know whether evolution halal industry impact on global trade , with do testing on market main halal industry namely Indonesia. Research done with method quantitative with use analysis comparative with technique data processing , namely Statistical Package For The Social Sciences. As for what becomes indicator in study This Export halal products , Halal Certification , Infrastructure And Ecosystem Industry , Growth Market Halal Industry , Attracting Investors, MSMEs, and Institution Halal Certification and test influence before And after halal industry is growing And the impact to global trade . And it was concluded from results study that after develop influential halal industry to proven global trade from results testing conducted​
INTERPERSONAL MEANING IN ZAKIR NAIK’S ISLAMIC SPEECH Diana Sopha; Yayuk Yuliana; Cita Ayni Putri Silalahi; Mayasari Mayasari; Bobby Chaniago; Farah Syakila; Siti Aisyah
PHILOLOGY Journal of English Language and Literature Vol. 6 No. 1 (2026): Philology: Journal Of English Language and Literature
Publisher : Fakultas Sastra UMN AL Washliyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32696/pjell.v6i1.6369

Abstract

This research explores how interpersonal meaning is constructed in the Islamic speeches of Zakir Naik by applying the framework of Systemic Functional Linguistics (SFL). Within the context of ‘dakwah’, language operates not only as a channel for delivering religious knowledge but also as an interactive resource through which speakers establish authority, express conviction, and engage their audiences. As an internationally recognized Islamic preacher, Zakir Naik employs distinctive linguistic strategies that warrant systematic linguistic investigation. This research adopts a qualitative descriptive approach and examines selected transcripts of Zakir Naik’s public speeches. Analysis is conducted using the interpersonal metafunction of SFL, focusing specifically on the grammatical systems of mood. The clause is treated as the main unit of analysis, as it represents the primary locus of interpersonal meaning. Each clause is categorized based on its mood type. The result is declarative clauses are predominantly used, indicating a strong tendency toward asserting information and reinforcing religious authority.
Co-Authors Alistraja D. Silalahi Alistraja Dison Silalahi Silalahi Azrai Harahap Azzahara Kusuma Dewi Bobby Chaniago Dalmi Iskandar Sultani Farah Syakila Friska Haliza Siregar Hafizah Zulkifli Harahap, M. Guffar Haris Sugito Saragih Herlina Hanum Harahap Khotimatunnisa Sinaga Muhammad Radian syah Munawaroh Muthmainnatul Husna Nurul Azmi Saragih Pasaribu, Aria Masdiana Rukmini Rukmini Safira Khoirunnisa Siti Aisyah Sopha, Diana Yuliana, Yayuk