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All Journal Jurnal Progres Ekonomi Pembangunan JCES (Journal of Character Education Society) JOURNAL OF APPLIED BUSINESS ADMINISTRATION Jurnal Ilmiah Akuntansi Manajemen Jurnal Pengabdian Kepada Masyarakat MEMBANGUN NEGERI Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Universitas Muhammadiyah Yogyakarta Undergraduate Conference Proceeding Journal of International Conference Proceedings Journal of Islamic Economics Lariba Room of Civil Society Development Abdimas Mandalika Journal of Culture Accounting and Auditing Room of Civil Social Development
Ridzal, Nining Asniar
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Empowerment of Sharia-Based Village Owned Enterprises (BUMDes) Sujana, I Wayan; Ridzal, Nining Asniar
Room of Civil Society Development Vol. 2 No. 4 (2023): Room of Civil Society Development
Publisher : Lembaga Riset dan Inovasi Masyarakat Madani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59110/rcsd.196

Abstract

Lawela Selatan Village, located in South Buton Regency, is a predominantly Muslim community that also receives government funding. To sustain the village's economy, the establishment of Village Owned Enterprises (BUMDes) has been crucial. Given the growing prominence of Islamic economics in Indonesia's business landscape, it is vital to explore its application within BUMDes. This endeavor aims to equip all participants, especially BUMDes management, with fundamental knowledge and comprehension of Islamic economics. The implementation of charitable activities proceeded smoothly without any notable obstacles. The BUMDes in South Lawela Village, Batauga Subdistrict, South Buton Regency, is known as BUMDes Cahaya Baru and encompasses service-oriented enterprises such as equipment rental, wedding decoration, building materials, trading companies, and the tourism sector. Furthermore, there are untapped regional potentials that present promising development opportunities. Prioritizing the development of local potentials is of utmost importance, particularly in reinforcing BUMDes based on the Sharia system due to the predominantly Muslim population. The objective of the service team is to impart knowledge to BUMDes management, specifically focusing on the advancement of Sharia-based BUMDes.
Langkah Awal Literasi Keuangan, Gerakan Uang Jajan Menjadi Tabungan Malik, Ernawati; Sujana, I Wayan; Ridzal, Nining Asniar; Sidi, Mahmur
Abdimas Mandalika Vol 5, No 2 (2026): Februari
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/am.v5i2.37615

Abstract

Abstract:  Financial literacy from an early age is still low, even though it is very important to develop children's ability to manage money. Therefore, financial literacy activities were carried out at SD Negeri 48 Buton, Barangka Village, Kapontori District, to foster the habit of saving, managing pocket money, and understanding financial management from elementary school. The purpose of this activity is to increase students' awareness of matters related to money and in turn will contribute to the formation of positive character and habits in everyday life. The implementation method was carried out using lectures, discussions, simulations and the provision of piggy banks as a form of motivation for students. From the results of the quiz given after the activity, it was known that the level of student understanding of the concept of saving, students' interest in saving and saving habits from an early age with an average score of 86%. The role and cooperation of the school, teachers, parents and the environment were very helpful in motivating and supporting the sustainability of the pocket money movement program into savings.Abstrak: Literasi keuangan sejak usia dini masih rendah, padahal sangat penting untuk membentuk kemampuan anak dalam mengelola uang. Oleh karena itu, dilakukan kegiatan literasi keuangan di SD Negeri 48 Buton, Desa Barangka, Kecamatan Kapontori, guna menumbuhkan kebiasaan menabung, mengatur uang jajan, dan memahami pengelolaan keuangan sejak sekolah dasar.Tujuan kegiatan ini adalah untuk meningkatkan kesadaran siswa tentang hal-hal yang berkaitan dengan uang dan pada gilirannya akan berkontribusi pada pembentukan karakter dan kebiasaan positif dalam kehidupan sehari hari. Metode pelaksanaan dilakukan dengan metode ceramah, diskusi, simulasi dan pemberian celengan sebagai bentuk motivasi bagi siswa-siswi. Dari hasil quis yang diberikan setelah kegiatam diketahui, tingkat pemahaman siswa terhadap konsep menabung, Minat siswa terhadap menabung dan kebiasaan menabung sejak dini dengan nilai rata-rata pemahaman siswa sebesar 86%. Peran dan kerjasama pihak sekolah, guru serta orang tua dan lingkungan sangat membantu dalam memotivasi dan mendukung keberlanjutan program gerakan uang jajan menjadi tabungan.
Sustainable Governance and Financial Strategies: Empirical Studies on Business, Public Sector, and Enviromental Management Sundari, Jualian; Prasetio, Januar Eko; Kusharyanti, Kusharyanti; Nilmawati, Nilmawati; Ridzal, Nining Asniar; Nirwana, Nirwana; Nurmalasari, Putri; Maryanti, Siti Nur; Hastuti, Sri; Suryaningsum, Sri; Sutoyo, Sutoyo; Rasyid, Syarifuddin; Winata, Widya; Zuhrotun, Zuhrotun
Journal of International Conference Proceedings Vol 9, No 1 (2026): SPECIAL ISSUE BOOK CHAPTER 2026
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v9i1.4530

Abstract

Sustainable Governance and Financial Strategies: Empirical Studies on Business, Public Sector, and Environmental Management presents a timely and insightful collection of studies addressing critical issues at the intersection of governance, finance, and sustainability. The diversity of contributors and topics highlights the dynamic challenges faced by organizations across sectors in an era marked by rapid environmental, economic, and regulatory shifts.This book successfully bridges academic theory and practical implementation, offering valuable perspectives for scholars, policymakers, and practitioners alike. It explores how financial strategies and sustainable governance models can be effectively applied to enhance institutional performance, accountability, and environmental stewardship.As someone who has observed the evolving landscape of financial governance and sustainability practices, I find this volume to be a vital contribution that not only informs but also inspires future research and collaboration.
Governance of Village-Owned Enterprises-Village Financial Institutions (BUMDesma-LKD) from a Sharia economic perspective: Analysis of institutional readiness Sujana, I Wayan; Ridzal, Nining Asniar
Journal of Islamic Economics Lariba Vol. 12 No. 2 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss2.art6

Abstract

IntroductionVillage-Owned Enterprises–Village Financial Institutions are expected to strengthen village economic independence, expand financial inclusion, and improve community welfare through the collective management of local resources. However, in Central Buton Regency, these institutions remain dependent on revolving funds, have limited business diversification, and face weaknesses in administration, transparency, financial reporting, and community participation. Sharia economic governance offers an alternative framework based on justice, accountability, transparency, sustainability, and public benefit; however, its implementation depends on adequate institutional readiness.ObjectivesThis study examines the institutional readiness of Village-Owned Enterprises (VOEs) and village financial institutions (VFIs) in Central Buton Regency to implement governance based on a Sharia economic perspective. It also formulates policy recommendations to support gradual, accountable, and sustainable institutional transformation.MethodThis study used a descriptive qualitative design. Primary data were collected through in-depth interviews, focus group discussions, triangulation, and open-ended questionnaires involving managers, supervisors, religious leaders, beneficiaries, local government representatives, and representatives of Islamic financial institutions. Secondary data were obtained from institutional regulations, administrative documents and financial reports. The data were analyzed using thematic analysis supported by qualitative data analysis software and a strengths, weaknesses, opportunities, and threats analysis.ResultsThe findings show that institutional readiness is partial and uneven. Values such as fairness, transparency, deliberation, and concern for beneficiaries are informally present, but formal Sharia governance mechanisms have not been established. Savings and loan activities still use interest-based arrangements, while sharia contracts, standard operating procedures, supervisory structures, and compliance systems are largely absent. Limited managerial knowledge and inadequate community education also prevent stakeholders from distinguishing Sharia-based governance from conventional practices. Nevertheless, strong religious and cultural acceptance and available institutional partnerships create favorable opportunities for transformation.ImplicationsThe transition toward Shariah-based governance requires coordinated reforms in regulation, managerial competence, supervision, financial administration, digitalization, business diversification, and community participation.Originality/NoveltyThis study contributes to the literature by integrating institutional theory with Sharia economic governance and treating Sharia transformation as a multidimensional readiness process rather than merely a change in financing contracts.
Co-Authors Amiruddin Amiruddin Asmar, La Ode Asrya, Asrya Erna, Waode Haliah, Haliah Hasan, Waode Adriani HS, Rahmawati Husin Husin, Husin I Wayan Sujana Kirana, Laode Indra Kusharyanti Kusharyanti Kusi, Ameliyani Kusumawati, Andi Mahmuda, Dewi Malik, Ernawati Maryanti, Siti Nur Nilmawati Nilmawati Nirwana, Nirwana Nurmalasari, Putri Prasetio, Januar Eko Raden Mohamad Herdian Bhakti Rasyid, Syarifuddin Sidi, Mahmur Siti Rahayu Sri Hastuti Sri Suryaningsum Sundari, Jualian Sutoyo Sutoyo Syamsuddin Syamsuddin Syarifuddin Syarifuddin wawo, andi basru Winata, Widya Zuhrotun, Zuhrotun