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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) EQUILIBRIUM ALMUJTAMAE: Jurnal Pengabdian Masyarakat Milkiyah: Jurnal Hukum Ekonomi Syariah Jurnal Tatsqif Al-Muhasib: Journal of Islamic Accounting and Finance Maneggio
Shalihah, Mar'atun
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Effect of Local Community Support Toward Sharia Tourism in Central Maluku Regency Shalihah, Mar'atun
EQUILIBRIUM Vol 10, No 1 (2022): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v10i1.12352

Abstract

This research aims to analyze the local community’s supported influence based on Sharia Tourism Development in the Central Maluku Regency. Some variables are affected by this research, such as negative and positive perceptions of local residents toward the economy, society, and environment around the population. The methodology of this research is quantitative research which uses an explanatory method. There are around 51 participants as samples. Those samples are chosen from Mamala and Morella villages directly involved in tourism activities. The data is processed and analyzed using SEM PLS ver.3 Software. Results of the study found that: the social impact had a positive and significant impact on local community support for sharia tourism development, and the negative impact had a negative and significant impact on the support for sharia tourism development. In contrast, the economic and environmental impact had a positive but not significant impact on the population support local to the development of sharia tourism
TEACHERS' AND STUDENTS' PERSPECTIVES OF FACTORS AFFECTING STUDENTS' SPEAKING PERFORMANCE IN LEARNING ENGLISH Shalihah, Mar'atun; Supramaniam, Kaarthiyainy; Kholidi, Muh Azhar
Jurnal Tatsqif Vol. 20 No. 1 (2022)
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (748.948 KB) | DOI: 10.20414/jtq.v20i1.6150

Abstract

The importance of English as a lingua franca requires students to master English. However, many students still cannot speak English, especially those who live in a country where English is a foreign language. For example, Indonesian students still face numerous problems in learning English, especially speaking. Hence, this study aimed to determine the factors that influence students' speaking performance from teachers' and students' perspectives in learning English speaking to assist students in overcoming difficulties in learning to speak English. Utilizing a survey, a total of one hundred eighty-nine students (n=189) and six teachers (n=6) in SMAN 1 Sape participated in this study. The main research instrument used was a questionnaire. The results showed that the teachers' and students' perspectives on speaking performance were quite similar. Regarding the problem of speaking performance, teachers and students agreed that (1) students were worried that making mistakes was the biggest problem and (2) they were shy to speak English. Moreover, in dealing with factors that influence speaking performance, teachers and students agreed that the highest factor was 1) lack of confidence as they were not familiar with English, (2) lack of time for preparation, and (3) lack of motivation to speak.
DETERMINATION OF SHARIA FINANCING SCHEMES IN THE MARINE AND FISHERIES SECTOR IN MALUKU Shalihah, Mar'atun; Deny Yarusain Amin; Mohammad H. Holle; Gadissifah A. Nur Bella
Al-Muhasib: Journal of Islamic Accounting and Finance Vol. 4 No. 2 (2024)
Publisher : Department of Islamic Accounting, The Faculty of Islamic Economics and Business, State Islamic Institute of Kediri [IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/al-muhasib.v4i2.1872

Abstract

This study aims to identify and determine an appropriate Sharia-compliant financing scheme that meets the needs of the marine and fisheries sector in Maluku. Given this sector's significant potential to support the regional economy, it still faces challenges in accessing financing. The study uses the Analytic Hierarchy Process (AHP) and the Technique for Order of Preference by Similarity to Ideal Solution (TOPSIS). The analysis results indicate that the five main criteria in selecting Sharia financing schemes are profitability, risk, Sharia compliance, accessibility, and social impact. Through TOPSIS, mudharabah and musyarakah financing schemes were identified as the best alternatives meeting these criteria. The study also found that business actors in Maluku’s marine and fisheries sector still require improved financial literacy in Sharia finance to fully leverage existing financing opportunities. Sharia financing schemes such as qardh hasan and ijarah are also deemed essential, especially to support small and medium enterprises (SMEs) needing low-risk capital access. This study is expected to contribute to the development of the marine and fisheries sector in Maluku by promoting more effective and sustainable use of Sharia-compliant financing schemes.
Implementation of Financial Risk Management in Improving the Company's Financial Stability Shalihah, Mar'atun; Situmorang, Tumpal P.; Yusnita, Yusnita; Ridwan; Kalsum, Ummy; Wahyudiyono, Wahyudiyono
Maneggio Vol. 1 No. 6 (2024): Maneggio-Dec
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/wcsn8237

Abstract

This research examines the implementation of financial risk management and its impact on improving the financial stability of companies. Financial risk management is a critical process for identifying, assessing, and mitigating risks that may affect a company's financial health. In today’s dynamic and often uncertain market environment, effective risk management is essential for ensuring the long-term survival and profitability of businesses. This study focuses on various risk management strategies employed by companies, such as risk identification, analysis, mitigation, and monitoring, and explores how these strategies contribute to maintaining financial stability. Using a combination of quantitative methods, data was collected through surveys and analyzed using regression analysis to determine the relationship between risk management practices and financial stability. The findings reveal that companies with structured and proactive financial risk management systems exhibit higher levels of financial stability. This research provides valuable insights for business leaders seeking to improve their financial risk management practices and enhance their company's financial resilience.
Sosialisasi Manfaat Perluasan Akses Keuangan untuk Kesejahteraan Keuangan Keluarga pada Masyarakat Kepulauan Shalihah, Mar'atun; Yaman, Afdhal; Saimima, Salma; Idrus, Titin Fahira; Isra, Nirvana
ALMUJTAMAE: Jurnal Pengabdian Masyarakat Vol. 4 No. 3 (2024): Desember
Publisher : Universitas Djuanda Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/almujtamae.v4i3.15712

Abstract

Kegiatan literasi keuangan bagi masyarakat daerah kepulauan ini diselenggarakan sebagai bentuk sosialisasi dan pengabdian masyarakat dengan tujuan meningkatkan pemahaman dan keterampilan keluarga dalam mengelola keuangan mereka secara lebih efektif. Dengan berbagai tahapan, kegiatan ini mencakup registrasi peserta, pembukaan, sambutan dari berbagai pihak, sesi senam pagi, penyampaian materi, serta tanya jawab. Materi yang diberikan fokus pada perencanaan keuangan keluarga, termasuk pengelolaan anggaran, pentingnya menabung, investasi syariah, dana darurat, serta pendidikan keuangan bagi anak-anak. Melalui sesi interaktif dan tanya jawab, peserta diberikan kesempatan untuk mendiskusikan tantangan keuangan yang mereka hadapi dan mendapatkan solusi praktis. Penutupan kegiatan merangkum pembelajaran dan memberikan panduan praktis untuk penerapan literasi keuangan di kehidupan sehari-hari. Diharapkan, kegiatan ini dapat meningkatkan kesadaran masyarakat tentang pentingnya pengelolaan keuangan keluarga yang bijak, khususnya di daerah kepulauan yang memiliki keterbatasan akses terhadap layanan keuangan formal.
The Contribution of Islamic Financial Instruments to Maritime Development: Evaluation and Policy Recommendation for Maluku Regions Shalihah, Mar'atun; Yarusain Amin, Deny; Yaman, Afdhal; Husen Sobana, Dadang; Syarif, Abdul Rilan
Milkiyah: Jurnal Hukum Ekonomi Syariah Vol. 4 No. 1 (2025): Milkiyah: Jurnal Hukum Ekonomi Syariah, Vol. 4 No. 1 2025
Publisher : Sekolah Tinggi Agama islam Negeri Majene

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/milkiyah.v4i1.1454

Abstract

Maritime development in the Indonesian archipelago faces structural challenges, particularly in obtaining inclusive, sustainable, and locally suitable funding in Maluku. To address these issues, Islamic financing system is considered as a potential alternative to conventional system, using instruments based on Maqasid al-sharia principles. This study aims to evaluate five Islamic financial instruments focusing on productive Waqf, Mudharabah, Ijarah, Musyarakah, and Sukuk, in supporting the development of maritime regions in Maluku. We used MCDA with AHP and TOPSIS methods to evaluate these instruments. The evaluation criteria were economic feasibility, Sharia compliance, risk management, social support, and environmental impact. The results rank instruments, with productive Waqf being the most effective, followed by Mudharabah, Ijarah, and then Musyarakah and Sukuk being less suitable. The study reveals that productive Waqf is at the top due to its non-commercial nature, community participation, and reaching marginalised groups. Mudharabah is considered good for micro and small businesses with profit-sharing. Ijarah is for financing assets without ownership transfer. Musyarakah and Sukuk are less flexible for coastal communities. The findings of this study highlight that Islamic financing systems have an essential role in guiding decision-making in the maritime development. 
Resisting Financial Predation: A Community-Based Financial Literacy Strategy to Mitigate Illegal Investment Risk in Coastal Indonesia Shalihah, Mar'atun; Amin, Deny Yarusain; Yaman, Afdhal; Waluyo, Bambang; Ningsih, Tri Fitria
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 17, No 1 (2025)
Publisher : Faculty of Sharia and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i1.45438

Abstract

This study develops a financial literacy–based strategy to mitigate illegal investment risks in vulnerable coastal communities using a Financial Vulnerability Index (IKF) and a Multi-Criteria Decision-Making (MCDM) approach integrating AHP and TOPSIS. Conducted in three Central Maluku villages, the IKF combines economic vulnerability, financial literacy, and access to finance. Findings show Wailulu and Asilulu as highly vulnerable (IKF > 0.90), while Tulehu is more resilient. AHP-TOPSIS results rank community-based training as the most effective strategy, followed by local media literacy and fishermen cooperative engagement. These findings validate the Community-Embedded Literacy Delivery Model (CELDM), highlighting the effectiveness of localized, participatory approaches. The study informs inclusive and adaptive financial literacy policies targeting high-risk populations. Abstrak:Penelitian ini mengembangkan strategi mitigasi investasi ilegal berbasis literasi keuangan bagi komunitas pesisir rentan dengan menggabungkan Indeks Kerentanan Finansial (IKF) dan pendekatan MCDM (AHP-TOPSIS). Studi dilakukan di tiga desa di Maluku Tengah, dengan IKF mencakup dimensi kerentanan ekonomi, literasi keuangan, dan akses keuangan. Wailulu dan Asilulu tergolong sangat rentan (IKF > 0,90), sementara Tulehu lebih tangguh. Hasil AHP-TOPSIS menunjukkan pelatihan komunitas sebagai strategi paling efektif, diikuti kampanye media lokal dan kemitraan koperasi nelayan. Temuan ini menguatkan Model Penyampaian Literasi Berbasis Komunitas (CELDM), dan memberikan dasar bagi kebijakan literasi keuangan yang inklusif dan kontekstual.
Pemberdayaan Pemuda Melalui Literasi Keuangan Syariah di Dufa-Dufa Ternate Shalihah, Mar'atun; Quilim, Cici Aryansi; Yaman, Afdhal; Silawane, Hapsa; Jana, Nurul
ALMUJTAMAE: Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2025): April
Publisher : Universitas Djuanda Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/almujtamae.v5i1.17898

Abstract

Workshop Literasi Keuangan Syariah yang diselenggarakan di Desa Dufa-Dufa, Ternate, bertujuan untuk meningkatkan pemahaman dan kesadaran masyarakat, khususnya generasi muda, mengenai pentingnya pengelolaan keuangan berbasis syariah. Kegiatan ini menjadi respons terhadap maraknya praktik investasi bodong yang sering kali merugikan masyarakat akibat kurangnya literasi keuangan. Melalui agenda yang melibatkan penyampaian materi oleh narasumber ahli, diskusi interaktif, dan sesi tanya jawab, peserta memperoleh wawasan mengenai prinsip-prinsip keuangan syariah, strategi pencegahan investasi bodong, serta pengalaman langsung dari individu yang telah sukses menerapkan literasi keuangan syariah. Hasil kegiatan menunjukkan peningkatan pemahaman peserta tentang pentingnya literasi keuangan syariah sebagai upaya menciptakan pengelolaan keuangan yang lebih bijak, beretika, dan sesuai dengan prinsip halal. Kegiatan ini juga berhasil memotivasi peserta untuk menerapkan konsep keuangan syariah dalam kehidupan sehari-hari, termasuk memanfaatkan penghasilan untuk menabung, berinvestasi, dan mengelola risiko keuangan dengan lebih baik. Workshop ini menjadi langkah awal dalam upaya mendorong kesadaran masyarakat akan pentingnya literasi keuangan syariah untuk menciptakan kesejahteraan yang berkelanjutan.
Co-Authors Afdhal Yaman Amin, Deny Yarusain Bambang Waluyo Deny Yarusain Amin Gadissifah A. Nur Bella Idrus, Titin Fahira Isra, Nirvana Jana, Nurul Kalsum, Ummy Kholidi, Muh Azhar Mohammad H. Holle Ningsih, Tri Fitria Quilim, Cici Aryansi Ridwan Saimima, Salma Silawane, Hapsa Situmorang, Tumpal P. Sobana, Dadang Husen Supramaniam, Kaarthiyainy Syarif, Abdul Rilan Wahyudiyono, Wahyudiyono Yarusain Amin, Deny YUSNITA YUSNITA