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All Journal CARE: Jurnal Pengabdian Multi Disiplin Journal of Financial and Business
Hermawati, Sela
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Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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Urgensi Literasi Investasi Bagi Santri SMA IT Al-Utsaimin Sudirman, Wahyu Febri Ramadhan; Priyatno, Arif Mudi; Syaipudin, Muhamamd; Jati, Putri Zulia; Hermawati, Sela
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.v2i2.30919

Abstract

Pengetahuan tentang investasi menjadi semakin penting untuk memastikan kesiapan finansial masa depan. Penelitian ini berfokus pada pemahaman santri terhadap konsep investasi, alat-alat investasi yang tersedia, dan risiko yang terkait dengan investasi. Melalui metode pengabdian masyarakat dalam bentuk penyuluhan dan sosialisasi menegnai literasi investasi di kalangan santri diharapakan mampu untuk meningkatkan pengetahuan dan minat santri dalam melakukan investasi di masa depan. Selain itu, kurangnya sumber daya pendidikan dan panduan praktis di sekolah juga menjadi hambatan utama. Oleh karena itu, pengabdian ini merekomendasikan peningkatan kurikulum pendidikan yang mencakup literasi finansial dan investasi, serta pelatihan bagi guru untuk membimbing santri dalam membuat keputusan investasi yang bijak. Dengan meningkatkan literasi investasi, diharapkan santri dapat lebih siap menghadapi tantangan ekonomi masa depan dan mengembangkan kebiasaan keuangan yang sehat sejak dini.
The Role of Baitul Maal Wat Tamwil (BMT) in Community Economic Empowerment Ramadhan, Al Insani Mutiara; Zaim, Muhammad; Hermawati, Sela; Sudirman, Wahyu Febri Ramadhan; Syaipudin, Muhammad
Journal of Financial and Business Vol 1 No 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i2.30

Abstract

This study aims to examine the role of Baitul Maal wat Tamwil (BMT) in empowering the community's economy, especially in areas with low levels of economic welfare. BMT as a sharia-based microfinance institution has two main functions: a social fund management institution (Baitul Maal) and a commercial financial institution (Baitul Tamwil). This study uses a qualitative approach with a case study method on several BMTs in the research area. Data were collected through in-depth interviews, observations, and documentation, then analyzed using thematic analysis techniques. The study results indicate that BMT has contributed to improving the community's standard of living through micro-business financing, entrepreneurship training, and management of social funds in the form of zakat, infaq, and sedekah. In addition, BMT also plays a role in strengthening the community's social capital by encouraging active participation in community-based economic activities. The obstacles BMT faces in economic empowerment include limited capital, lack of financial literacy in the community, and challenges in maintaining sharia principles amidst competition from conventional financial institutions.
Co-Authors Arif Mudi Priyatno Jati, Putri Zulia M. Zaim Muhammad Syaipudin Ramadhan, Al Insani Mutiara Syaipudin, Muhamamd Wahyu Febri Ramadhan Sudirman