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Implementasi Keuangan Iknlusif Pada Lembaga Keuangan Syariah : (Studi Pada BMT Marwah Kabupaten kampar) Hasda, Mifta; Mairiza, Diany; Syaipudin, Muhammad; Reza, Saru
Money: Journal of Financial and Islamic Banking Vol. 2 No. 1 (2024)
Publisher : Program Studi Perbankan Syariah Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/money.v2i1.25155

Abstract

Tujuan – Tulisan ini membahas tentang implementasi keuangan inklusif pada lembaga keuangan syariah studi pada BMT Marwah yang berlokasi di Kabupaten Kampar. Metode – Dalam penelitian ini metode yang digunakan adalah kualitatif dengan key informan merupakan pimpinan BMT Marwah. Untuk validasi data menggunakan metode triangulasi dengan melakukan observasi dan wawancara kepada anggota BMT Marwah. Hasil – Adapun hasil dari Penelitian ini menunjukkan bahwa akses untuk menjadi anggota dan menggunakan layanan jasa keuangan di BMT Marwah cukup mudah dan murah. Produk yang di berikan berbagai macam sehingga dapat dipilih sesuai dengan kebutuhan anggota. Kemudian dengan menjalankan fungsi social BMT Marwah dapat membatu masyarakat yang membutuhkan. Implikasi – Implementasi keuangan inklusif pada BMT Marwah dapat meningkatkan kualitas ekonomi dan kesejahteraan anggot maupun masyarakat sekitar yang dapat manfaat dari fungsi sosial yang di jalankan BMT Marwah.
Pelatihan Perencanaan Keuangan Bebasis Syariah Bagi Siswa SMK IT Al Izhar Pekanbaru Hasda, Mifta; Mairiza, Diany; Syaipudin, Muhammad; Reza, Saru; Zakir, Muhammad
CARE: Journal Pengabdian Multi Disiplin Vol. 2 No. 2 (2024)
Publisher : Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/care.v2i2.31303

Abstract

Kegiatan pengabdian masyarakat ini dilakukan di SMK IT AL Izhar Pekanbaru dengan peserta siswa-siswi kelas X. Pengabdian masyarakat ini dilakukan dengan tema Literasi Keuangan Syariah: Perencanaan Keuangan Berdasarkan Prinsip Syariah Bagi siswa SMA/sederajat. Tujuan dari pengabdian ini adalah untuk memberikan pengetahuan tentang keuangan syariah khususnya perencanaan keuangan berdasarkan prisnsip syariah bagi siswa-siswi SMK IT AL-Izhar Pekanbaru. Materi yang disampaikan dengan metode ceramah disertai dengan menampilkan slide materi yang berhubungan dengan tema pengabdian dan diakhiri dengan tanya jawab seputar materi pengabdian masyarakat. Selama kegiatan berlangsung Siswa siswi SMK IT AL-Izhar Pekanbaru mengikuti dengan antusias. Dari pengabdian yang dilaksankan diharapkan bahwa peserta yang menghadiri pengabdian masyarakat yaitu siswa-siswi SMK IT Al-Izhar Pekanbaru mendapatkan tambahan pengetahuan tentang keuangan syariah khususnya perencanaan keuangan berdasarkan prinsip syariah bagi siswa SMA/Sederajat. Kemudian, dari pengingkatan pengetahuan peserta memiliki motivasi untuk merencakan keuangannya berdasarkan prinsip syariah untuk meraih kesejahteraan dunia dan akhirat.
Dampak Boikot Produk Afiliasi Pro Israel Bagi Pertumbuhan Perekonomian di Indonesia Mairiza, Diany; Hasda, Mifta; Winario, Mohd; Assyifa, Zubaidah; Irmawanti, Irmawanti
Journal of Economic, Management, Business, Accounting Sustainability Vol. 1 No. 3 (2024): Agustus 2024
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/joembas.v1i3.53

Abstract

The purpose of this study is to determine the impact of the boycott of pro-Israel affiliated products on economic growth in Indonesia. This research method uses a qualitative approach used to understand the perspectives and attitudes of consumers and industry players towards the boycott of pro-Israel affiliated products. Qualitative data were collected through in-depth interviews and focus group discussions with consumers, traders, and economists. These interviews aimed to explore the reasons behind participation in the boycott, perceptions about the effects of the boycott, and views on local product alternatives. Qualitative data analysis was conducted using thematic coding methods to identify key patterns and themes. The results of this study indicate that the boycott of pro-Israel affiliated products in Indonesia reflects how international political and humanitarian issues can influence economic and social behavior at the national level. While this boycott has the potential to affect the Indonesian economy by reducing demand for imported products and increasing support for local products, the challenges in implementation and its impact on larger political goals remain complex questions. Therefore, there needs to be an in-depth study and a wise approach in dealing with this issue, considering the economic, social, and political impacts holistically.
Literacy Of Sharia Selling And Buying Agreements At Dharma Wanita SMAN 1 Bangkinang City Assyifa, Zubaidah; Khairi, Rifqil; Syaipudin, Muhammad; Mairiza, Diany; Hasda, Mifta; Lismawati, Lismawati; Amelia, Nur
Journal of Community Sustainability Vol. 1 No. 1 (2024): Maret 2024
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jocs.v1i1.7

Abstract

This service was carried out in Kampar Regency, Riau Province. The object is Dharma Wanita SMAN 1 Bangkinang Kota as one of the schools in Bangkinang Kota District. This service aims to socialize the Sharia Sale and Purchase Agreement in High Schools. The results of this service show that: 1) The success of the target number of training participants. 2) Achievement of activity goals. 3) Achievement of planned material targets. 4) Participants' ability to master the material. Overall, this service activity can be said to be successful. Apart from being measured by the four components above, this success can also be seen from the satisfaction of the participants after taking part in the activity because the service members provide the opportunity to ask as many questions as possible and when the service members ask questions they can be answered by the participants and they ask about the training agenda with the theme of the next sharia buying and selling contracts. This is because the theme/material of these sharia buying and selling contracts is interesting for participants.  
Principles of Accounting Calculations in Sharia Banking Mardiyah, Suci; Rizky, Syafnur Muhammad; Hasda, Mifta; Hidayat, Hidayat; Sudirman, Wahyu Febri Ramadhan; Fithriyana, Rinda
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.
Implementasi Akad-Akad Ekonomi Syariah Pada Dhuafa Mart Dalam Mendukung Perkembangan Ekonomi Syari’ah Zakir, Muhammad; Khairi, Rifqil; Hasda, Mifta; Maini, Nur
Journal of Community Sustainability Vol. 1 No. 4 (2024): Desember 2024
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jocs.v1i4.97

Abstract

This study aims to analyze the implementation of sharia economic contracts at Dhuafa Mart in supporting the development of sharia economy and empowerment of the dhuafa community. The study uses a qualitative method with a case study approach, through in-depth interviews, observation, and documentation as data collection techniques. The results of the study indicate that Dhuafa Mart implements several sharia contracts, such as murabahah (buying and selling with a profit margin), ijarah (renting), and qardhul hasan (goodwill loans). The implementation of these contracts has been proven to provide economic and social benefits, including transparency in transactions, easy access for the dhuafa community, and real contributions to sharia-based economic empowerment. These findings indicate that a business model such as Dhuafa Mart can be a strategic instrument to expand sharia financial inclusion and strengthen the socio-economic impact of Islam in society
Penerapan Qardul Hasan Di Koperasi Syariah Sman 1 Bangkinang Kota Assyifa, Zubaidah; Winario, Mohd; Hasda, Mifta; Reza, Saru; Zakir, Muhammad; Lismawati, Lismawati; Amelia, Nur
Multidisciplinary Journal of Religion and Social Sciences Vol. 2 No. 1 (2025): Januari 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/mjrs.v2i1.120

Abstract

This study aims to analyze the implementation of qardhul hasan in the Sharia Cooperative of SMAN 1 Bangkinang City as a form of financing that is in accordance with sharia principles. Qardhul hasan is a sharia financial product in the form of an interest-free loan that aims to help cooperative members in need. The research method used is a qualitative descriptive approach, with data collection techniques in the form of in-depth interviews, observations, and document studies. Data analysis was carried out through data reduction, data presentation, and drawing conclusions. The results of the study indicate that the implementation of qardhul hasan in the Sharia Cooperative of SMAN 1 Bangkinang City is in accordance with sharia principles. The loan provision procedure is carried out by considering the eligibility and repayment ability of members, and is equipped with a simple administrative mechanism. In addition, the implementation of qardhul hasan has a positive impact on cooperative members, such as helping urgent needs without burdening interest, and increasing solidarity and a sense of responsibility among members. However, several challenges such as limited funds and member awareness in repaying loans on time need further attention.
Does Investment Literacy Reduce the Impact of Investors' Cognitive Biases While Investing? (Role of Gender Difference) Sudirman, Wahyu Febri Ramadhan; Syaipudin, Muhammad; Hasda, Miftah; Priyatno, Arif Mudi; Mardiyah, Suci; Zahara, Alfiatun
International Journal on Social Science, Economics and Art Vol. 14 No. 4 (2025): February: Social Science, Economics
Publisher : Institute of Computer Science (IOCS)

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

Abstract

This study examined the role of investment literacy in reducing cognitive biases in investment decisions, particularly availability bias, overconfidence bias, and herding bias. Using a quantitative explanatory approach, data were collected from 392 stock investors in Indonesia through surveys. The study employed Multi-Group Analysis (MGA) to assess the moderating effect of gender on the relationship between investment literacy and cognitive biases. The findings indicated that higher investment literacy significantly reduced all three biases, enabling investors to process information more objectively, assess their abilities more realistically, and make independent decisions. However, the moderating effect of gender was only significant in the relationship between investment literacy and overconfidence bias, while it had no significant impact on availability bias and herding bias. These results underscore the importance of investment literacy in minimizing irrational decision-making. The findings have practical implications for investors in improving their financial decision-making, for policymakers in designing effective financial education programs, and for academics in further developing behavioral finance research.
Implementasi Edukasi Ekonomi Syariah Pada Siswa SMK IT Al-Izhar Pekanbaru Zakir, Muhammad; Mairiza, Diany; Syaipudin, Muhammad; Hidayat, Hidayat; Reza, Saru; Hasda, Mifta
Journal of Community Sustainability Vol. 2 No. 2 (2025): Juni 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i2.166

Abstract

This community service is carried out for SMK IT Al Izhar Pekanbaru students, the purpose of this community service is to determine the level of understanding of SMK IT Al Izhar Pekanbaru students about the development of Islamic banks in Indonesia. The methods used in this community service activity are counseling, presentations and discussions. The results of the community service show that: The community service program for SMK IT Al Izhar Pekanbaru students can be organized well and run smoothly according to the activity plan that has been prepared, the results of this community service concluded that: First, SMK IT Al Izhar Pekanbaru students' understanding of the development of Islamic banks in Indonesia varies, some already understand, some are still hesitant, some even do not understand, Second, The achievement of the objectives of the community service program for SMK IT Al Izhar Pekanbaru students, the entire program that has been carried out with collaboration between business owners and community service workers has been carried out all and in accordance with the event rounddown and the time that has been determined previously.  
Pelatihan Peningkatan Literasi Keuangan Syariah Pada Siswa SMA IT Al-Utsaimin Bangkinang Khairi, Rifqil; Mairiza, Diany; Hasda, Mifta; Hidayat, Hidayat; Reza, Saru; Syaipudin, Muhammad
Journal of Community Sustainability Vol. 2 No. 2 (2025): Juni 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i2.167

Abstract

This community service is carried out for SMA IT Al Utsaimin Bangkinang students, the purpose of this community service is to find out about Sharia Contract Education and the Development of Sharia Economics for SMA IT Al Utsaimin Bangkinang students. The methods used in this community service activity are counseling, presentations and discussions. The results of the community service show that: The community service program for SMA IT Al Utsaimin Bangkinang students can be organized well and run smoothly according to the activity plan that has been prepared, the results of this community service concluded that: First, SMA IT Al Utsaimin Bangkinang students, some already understand, some are still hesitant, some even do not understand, Second, The achievement of the objectives of the community service program for SMA IT Al Utsaimin Bangkinang students, the entire program that has been carried out with collaboration between business owners and community service workers has been carried out all and in accordance with the event rounddown and the time that has been determined previously.