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All Journal Martabe : Jurnal Pengabdian Kepada Masyarakat Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Robust: Research of Business and Economics Studies ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Jurnal Ekonomi Syariah
Sudirman, Muh. Sajjaj
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Economics, Econometrics & Finance Education Social Sciences

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The Influence of Islamic Financial Literacy on Behavior and Decisions to Invest in Gold Instruments Mahmud, Muhammad Daud bin; Sudirman, Muh. Sajjaj; Jufri, Fahria
Al-Tijary Vol 9 No 2 (2024): AL-TIJARY VOL. 9, NO. 2, JUNI 2024
Publisher : Faculty of Islamic Economics and Business Sultan Aji Muhammad Idris State Islamic University Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v9i2.8053

Abstract

This study aims to investigate how gold investing decisions and behavior are affected by Islamic financial literacy. From a population of 31,119 people, 100 respondents from Morotai Island Regency in North Maluku Province were selected as the sample using the purposive sampling technique, with a 0.05 error tolerance. By testing the outer model and inner model, partial least square-structural equation modeling is applied as a data analysis tool. Only 2 of the 9 indicators used to measure the proposed Islamic financial literacy variable met the requirements. Both investment decisions and behavior variable indicators have 3 and 4 qualified indicators, respectively. Several previous studies have used a general measure of financial literacy, but this study measures financial literacy with a specific Islamic financial literacy scale. The results of this study prove that Islamic financial literacy has a positive influence on a person's behavior and his/her decision to invest using gold investment instruments. People who are well-literate in Islamic finance will have an impact on their investing behavior, which will allow them to make wise investment decisions and improve their financial well-being.
Sertifikasi Halal sebagai Instrumen Kebijakan Publik dalam Pengembangan Industri Halal Indonesia Sunarta, Desy Arum; Bulqis, Rasyidah; Bisyriani, Andi; Sudirman, Muh. Sajjaj; Apriliani, Riski
Robust: Research of Business and Economics Studies Vol. 5 No. 1 (2025): April 2025
Publisher : IAIN Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/robust.v5i1.11569

Abstract

This article presents a literature synthesis on the role, challenges, and opportunities in the development of halal certification within the Islamic economic framework. Halal certification functions not only as religious compliance but also as a strategic tool to enhance product competitiveness, ensure quality, and build consumer trust. Nevertheless, its implementation still encounters various obstacles, such as bureaucratic complexity, limited halal literacy, and unequal access, especially for small and medium enterprises. Despite these challenges, significant opportunities lie ahead, particularly in the digitalization of certification systems, expansion into the cosmetics, pharmaceutical, and halal tourism sectors, and the strengthening of international cooperation. This study highlights the importance of collaborative efforts among government, industry, and academia to develop an inclusive and efficient halal certification system. A well-integrated and adaptive certification mechanism has the potential to become a major driver for national Islamic economic growth and to strengthen Indonesia’s position in the global halal market
ZAKAT FOR FOOD SECURITY: STUDY OF THE BAZNAS ZAKAT DISTRIBUTION IN TERNATE Syaifuddin, Syaifuddin; Mubin, Muhammad Ufuqul; Sudirman, Muh. Sajjaj
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol 9 No 1 (2026): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v9i1.10977

Abstract

This research aims to analyze the role of BAZNAS in Ternate city in strengthening food security. The zakat management institution established in the city of Ternate in 2010 has five superior programs, namely: Ternate Taqwa, Prosperity, Health, Smartness and Caring. In developing food security, BAZNAS, the city of Ternate accommodates this in the Ternate Sejahtera program. The type of research used is qualitative research. Research location at BAZNAS, Ternate city. The types and sources of data consist of primary and secondary data which researchers obtained through interviews, voice recorders, taking written data, taking pictures and so on. Researchers carry out data analysis and data management techniques by arranging, grouping and describing the data and then drawing conclusions inductively, deductively and comparatively. Based on the research results, it can be found that the management of zakat in developing food resilience which is carried out by strengthening micro and small businesses is considered to be running in accordance with the orders of law and religion because these zakat funds are managed well and can have a positive impact on economic growth, because they have a purpose. clear and appropriate targets, it's just that the distribution of zakat proceeds is not evenly distributed to the people of Ternate city who, judging from their economic background, are less well off. This is proven based on the number of mustahik who receive business capital assistance from BAZNAS in Ternate city, which decreases every year. Keywords: Zakat Distribution, Food Security, BAZNAS.
QRIS BSI SEBAGAI INSTRUMEN INKLUSI KEUANGAN SYARIAH: DAMPAK DAN KENDALA BAGI UMKM DI MASJID AL-MUNAWAR KOTA TERNATE Yunus, Kurniati; Syaifuddin; Usmayani, Ilham Putra; Sudirman, Muh. Sajjaj
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 02 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i02.501

Abstract

The adoption of electronic money through the Quick Response Code Indonesia Standard (QRIS) is an important innovation in supporting transaction digitalization, promoting financial inclusion, and strengthening the economic growth of micro, small, and medium enterprises (MSMEs). Bank Syariah Indonesia (BSI) introduced QRIS as a sharia-compliant payment instrument; however, its implementation still faces challenges at the mosque-based MSME level. This study aims to analyze the impact and obstacles of using BSI QRIS among MSMEs in the Al-Munawar Mosque community in Ternate City, focusing on how its application influences business activities and consumer satisfaction. A qualitative descriptive method was employed with four informants consisting of two MSME actors and two consumers, using Miles and Huberman’s interactive data analysis model, which includes data reduction, data display, and conclusion drawing. The findings reveal that before using QRIS, MSMEs experienced difficulties such as losing potential customers due to limited payment options, slow cash transactions, and challenges in separating personal and business finances. After adopting BSI QRIS, MSMEs benefited from increased sales, time efficiency, stronger brand awareness, and improved transaction recording. The only obstacle reported was internet connectivity issues during unfavorable weather conditions, while no significant challenges were found in the registration or transaction process. These results highlight the importance of BSI QRIS as a sharia-based financial inclusion instrument that can enhance the competitiveness of MSMEs in the digital era.
EDUKASI TENTANG BISNIS DAN UANG PADA GENERASI MUDA DI MAN INSAN CENDEKIA HALMAHERA BARAT Rahayu, Rahyuni; Sudirman, Muh. Sajjaj; Hajar, Hasbullah; Ridwan, Muhammad; Sagaf, Nona
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 9, No 1 (2026): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v9i1.267-274

Abstract

Bisnis bukan hal yang baru dalam dunia pendidikan berbasis Islam. Konsep kemandirian yang ditanamkan Islamic boarding school akan menumbuhkan jiwa wirausaha dalam diri para siswa. Sebagai lembaga pendidikan yang bertugas memberikan edukasi maka kami membuat pengabdian kepada masyarakat dengan tema bisnis untuk pemula. Lokasi pengabdian kepada masyarakat ini dilaksanakan di MAN Insan Cendekia Halmahera Barat. Sebelum kegiatan pengabdian ini dilakukan, maka terlebih dahulu dilakukan survei. Hasil survei menunjukkan bahwa siswa MAN IC Halbar yang diterima per tahun kurang lebih 60-80 orang. Siswa ini selanjutnya akan tinggal dalam asrama yang disediakan oleh sekolah. Banyak mahasiswa yang masih mampu mengelola uang yang dimilikinya dengan baik. Hal ini mengakibatkan uang jajan habis sebelum waktunya. Metode pengabdian yang digunakan adalah dengan ceramah, praktek, dan diskusi. Materi yang dipaparkan dalam kegiatan ini adalah pentingnya laporan keuangan dalam bisnis dan pengenalan dan cara penyusunan laporan laba rugi dan neraca. Siswa diarahkan untuk praktik dalam mencatat uang masuk dan keluar serta membuat neraca dan laporan laba rugi
Co-Authors andi bisyriani Bulqis, Rasyidah Desy Arum Sunarta Hasbullah Hajar Jufri, Fahria Mahmud, Muhammad Daud bin Muhammad Ridwan Muhammad Ufuqul Mubin Rahayu, Rahyuni Riski Apriliani Sagaf, Nona Syaifuddin Syaifuddin Syaifuddin Usmayani, Ilham Putra Yunus, Kurniati