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All Journal EkBis: Jurnal Ekonomi dan Bisnis Jurnal Ekonomi Dan Bisnis Community Development Journal: Jurnal Pengabdian Masyarakat ALMUJTAMAE: Jurnal Pengabdian Masyarakat Journal of Indonesian Sharia Economics Communautaire: Journal of Community Service
Maulida, Minati
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Humanities Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Peluang dan Tantangan Pemberlakuan Undang-Undang No. 23 Pasal 22 Tahun 2011 Tentang Zakat Sebagai Pengurang Pajak Penghasilan Maulida, Minati; Ulfah, Aulia
JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 2 (2023): September 2023
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v2i2.903

Abstract

The obligation to pay zakat and the obligation to pay taxes for Muslims causes double charges or double burdens so that it will make it difficult for property owners and cause counterproductive effects. As a solution so that zakat must not be exposed to a double burden, the government issued a regulation, namely Law Number 23 of 2011 article 22 concerning zakat as a deduction from income tax. The purpose of this study is as one of the socialization efforts to muzakki on zakat as an income tax deduction and provide a positive perception of zakat and tax management. The methods used are qualitative approaches with the type of field research (field research) and data analysis using qualitative descriptive methods. From the results of research and analysis on zakat regulations as income tax deductions cannot be implemented, because there is no cooperation between BAZNAS and Primary Tax even though there is clearly a law regulating it. The lack of socialization carried out by BAZNAS makes the muzakki unaware of the law on zakat as an income tax deduction and there are still many muzakki handing over their zakat directly to those who are entitled to receive it because the reach is easier.
Diversifikasi Sumber Keuangan Perguruan Tinggi Melalui Pendirian Koperasi Syariah Maulida, Minati; Nabil, Muhammad; Sulaeman, Sulaeman; Gunawan, Muhammad Ali
JIOSE: Journal of Indonesian Sharia Economics Vol 3 No 2 (2024): September 2024
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v3i2.948

Abstract

The quality of higher education does not only talk about the Tri Dharma of Higher Education, but many other aspects that must be improved, including from the financial side. There needs to be diversification (diversity of financial sources) as an effort to improve the quality of education through other financial sources. One of the solutions that can be done is through the establishment of Sharia Cooperatives. This study aims to determine the effectiveness of diversifying financial resources of higher education through sharia cooperatives. The object of this research is STAI Ki Ageng Pekalongan. This research is descriptive research with a qualitative approach. The data collection techniques carried out are observation (observation), interviews, and documentation. The results of this research analysis conclude that through the establishment of sharia cooperatives in STAI Ki Ageng Pekalongan can help in diversifying financial resources. The presence of sharia cooperatives can reduce dependence on only one source of income and can be used to improve the quality of education at STAI Ki Ageng Pekalongan.
Financial Risk Management in Implementing Financial Centralization of the Madrasah Islamiyah Foundation (YMI) maulida, minati; Gunawan, Muhammad Ali; Muhammad, Adib
Jurnal Ekonomi dan Bisnis Vol. 27 No. 1 (2024): JURNAL EKONOMI DAN BISNIS MARET 2024
Publisher : Fakultas Ekonomi dan Bisnis Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/jebi.v27i1.4165

Abstract

Sekolah Tinggi Agama Islam Ki Ageng Pekalongan (STAIKAP) merupakan salah satu dari berbagai lembaga pendidikan yang berada di bawah Yayasan Madrasah Islamiyah (YMI). STAIKAP memiliki pertimbangan manajemen risiko keuangan yang spesifik karena YMI menggunakan sistem pengelolaan keuangan terpusat. Studi ini membahas langkah-langkah manajemen risiko keuangan STAIKAP dalam arsitektur terpusat YMI. Bab ini menyelidiki potensi bahaya yang terkait dengan pengendalian keuangan terpusat dan menjelaskan upaya proaktif yang diambil oleh STAIKAP untuk memitigasi risiko tersebut. Penelitian ini menggunakan pendekatan studi kasus kualitatif, dengan data yang diperoleh melalui wawancara semi terstruktur, analisis dokumen, dan observasi. Data diperiksa dengan metode tematik dan komparatif. Hasil penelitian ini menunjukkan pentingnya komunikasi terbuka, audit internal, peningkatan kapasitas, dan mekanisme pemantauan berkelanjutan untuk manajemen risiko keuangan yang efisien dalam konteks sentralisasi.
Bahasa Inggris Maulida, Minati; Muhammad Ali Gunawan; Tria Ratnasari
Jurnal Ekonomi dan Bisnis Vol. 28 No. 1 (2025): JURNAL EKONOMI DAN BISNIS MARET 2025
Publisher : Fakultas Ekonomi dan Bisnis Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/jebi.v28i1.5919

Abstract

This study evaluates the social and economic impacts of the Disaster-Resilient Village (DRV) Program using Bayesian Decision-Making. Conducted in Pekalongan City, a region frequently affected by tidal flooding and coastal erosion, this research employs a quantitative approach to assess the program’s effectiveness in enhancing disaster resilience. The study involves 563 respondents, including 18 government officials and 545 affected community members, selected through purposive and proportional sampling. Data were collected through structured surveys measuring disaster preparedness, economic losses, and financial accessibility. Bayesian probabilistic modeling was applied to analyze decision-making patterns in disaster risk reduction and to optimize resource allocation strategies. The results indicate that financial aid and credit accessibility significantly accelerate economic recovery, while disaster preparedness alone does not directly influence resilience. Infrastructure damage, however, prolongs recovery time, underscoring the need for resilient infrastructure investments. These findings highlight the importance of integrating financial mechanisms into the DRV framework to enhance economic stability post-disaster. Policymakers should prioritize expanding financial aid programs, improving credit accessibility, and strengthening infrastructure resilience to minimize long-term economic disruptions. Future research should incorporate longitudinal studies and explore the role of social factors in disaster recovery to provide a more comprehensive analysis.
Central Bank Digital Currencies and It’s Potential Impact on the Profitability and Systems Stability of Commercial Banking in Emerging Markets Jailani, Novalini; Anwar, Khairul; Maulida, Minati; Muhammad, Adib
EkBis: Jurnal Ekonomi dan Bisnis Vol. 9 No. 1 (2025): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2025.9.1.2425

Abstract

The development of Central Bank Digital Currencies (CBDCs) has become a significant topic of discussion globally, particularly in emerging markets where financial inclusion, monetary sovereignty, and banking stability are key concerns. This study explores the potential impact of CBDC implementation on the profitability and system stability of commercial banking systems in these economies. This research adopts a qualitative approach through a literature review of CBDC implementations in key emerging economies, including China, Nigeria, Brazil, Russia, and India. The study finds that while CBDCs can enhance efficiency and financial accessibility, their impact varies depending on a country's banking infrastructure, regulatory framework, and financial stability measures. In some cases, CBDCs have exacerbated liquidity risks for commercial banks, while in others, they have promoted digital innovation and alternative revenue streams. The findings highlight the need for strategic collaboration between central banks and commercial financial institutions to mitigate risks while leveraging the benefits of CBDCs. Policy recommendations include implementing limits on CBDC holdings, integrating CBDCs with existing banking services, and fostering regulatory frameworks that support a balanced financial ecosystem. This study contributes to the academic discourse on digital currencies and banking by offering insights into the evolving role of central banks and commercial banks in the digital financial landscape.
IMPLEMENTASI PENGELOLAAN KEUANGAN RUMAH TANGGA SEBAGAI UPAYA CEGAH STUNTING Anwar, Khairul; Aisyah, Nagita Histimuna; Maulida, Minati; Marlinda, Dwi; Haryani, Haryani
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 6 No. 3 (2025): Volume 6 No 3 Tahun 2025
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v6i3.43337

Abstract

Implementasi Pengelolaan Keuangan Rumah Tangga sebagai Upaya Cegah Stunting dapat dilakukan mulai dari lingkup kecil yaitu keluarga, dimana keluarga terdiri dari ayah, ibu dan anak yang koadratya seorang ayah yang memenuhi kebutuhan rumah tangga atau mencari nafkah, dari situ kita perlu mengelola keuangan yang benar dan teliti biasanya dilakukan oleh seorang ibu rumah tangga. Penelitian ini bertujuan untuk menganalisis mengapa keuangan rumah tangga harus dikelola dengan baik, serta menganalisis bagaimana mengimplementasikan penggunaan keuangan rumah tangga untuk mencegah stunting. Penelitian ini merupakan penelitian lapangan yang menggunakan metode kualitatif dengan strategi purposive sampling yaitu metode pemilihan sampel berdasarkan parameter yang telah ditentukan. Sementara metode pengumpulan datanya menggunakan teknik wawancara online melalui google form dan dokumentasi. Untuk menganalisis data dan informasi, alat yang digunakan adalah teknik analisis data triangulasi dengan tahapan reduksi data, pemaparan data dan kesimpulan. Hasil penelitian menunjukkan bahwa anggaran rumah tangga dikelola dengan baik, terutama oleh ibu rumah tangga, hal ini dilakukan sebagai bekal masa depan keluarga, terutama masa depan sang anak. Dengan mengalokasikan dana anggaran yang benar, keluarga akan selalu dapat memenuhi kebutuhan gizi, kesehatan, dan pendidikan, yang merupakan landasan utama untuk meningkatkan kualitas hidup.
Bridging The Publication Gap Through A Mentor–Mentee Program in Islamic Higher Education Gunawan, Muhammad Ali; Maulida, Minati; Fitri, Amalia
Communautaire: Journal of Community Service Vol. 4 No. 2 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/communautaire.v4i2.1023

Abstract

Publication performance remains a significant challenge in private Islamic universities, where limited academic guidance and inadequate writing support hinder faculty members' scholarly productivity. This community service program was designed to bridge the publication gap by implementing a structured Mentor-Mentee model targeting early-career faculty members in Islamic religious colleges—the three-month intervention integrated diagnostic assessments, intensive writing workshops, individual mentoring, and simulated peer review. A mixed-methods approach was used to evaluate the program's effectiveness, combining rubric-based pre- and post-writing assessments with qualitative reflection and submission tracking. Findings demonstrated substantial improvements in manuscript structure, referencing accuracy, and methodological clarity. By the end of the program, half of the participants had produced full-length manuscripts, and more than half had submitted them to nationally accredited journals. Feedback revealed increased confidence and a stronger scholarly identity among the mentees. This initiative not only improved technical writing skills but also fostered a collaborative academic culture within the institution. The Mentor-Mentee model has proven effective in addressing systemic barriers to publication and offers a scalable solution for other under-resourced Islamic universities seeking to build sustainable research capacity. Its successful implementation contributes to broader efforts in strengthening academic output and institutional accreditation in the Indonesian higher education context.
Pemberdayaan UMKM Diaspora: Strategi Pengembangan dan Pemasaran Digital bagi Pedagang Kecil di Suriname Maulida, Minati; Gunawan, Muhammad Ali; Setiawan, Ari
ALMUJTAMAE: Jurnal Pengabdian Masyarakat Vol. 5 No. 2 (2025): Agustus
Publisher : Universitas Djuanda Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/almujtamae.v5i2.20034

Abstract

Tujuan kegiatan pengabdian masyarakat ini adalah untuk meningkatkan kapasitas dan kesadaran pelaku UMKM diaspora terhadap pentingnya transformasi usaha yang berkelanjutan di era digital. Program pengabdian masyarakat lintas negara ini dilaksanakan di Suriname sebagai bentuk kontribusi terhadap pemberdayaan pelaku UMKM diaspora Indonesia yang menghadapi berbagai tantangan struktural, seperti keterbatasan akses modal, rendahnya literasi digital dan hukum bisnis, serta lemahnya tata kelola usaha. Kegiatan dilakukan secara daring dengan pendekatan edukatif dan partisipatif, mencakup pelatihan ekonomi sirkular, pemasaran digital, dan perlindungan hukum UMKM. Sebanyak 154 peserta dari Indonesia, Malaysia, dan Suriname mengikuti program ini. Hasil kegiatan menunjukkan peningkatan pemahaman peserta terhadap pentingnya transformasi usaha yang berkelanjutan dan adaptif di era digital. Selain itu, program ini memperlihatkan efektivitas kolaborasi internasional dalam menjangkau komunitas diaspora dan mendorong pembentukan jejaring pendampingan lokal. Temuan ini memberikan landasan kuat untuk pengembangan program lanjutan yang lebih terstruktur dan kontekstual.
Co-Authors Aisyah, Nagita Histimuna Amalia Fitri Ari Setiawan Haryani Haryani Jailani, Novalini Khairul Anwar Marlinda, Dwi Muhammad Ali Gunawan Muhammad Ali Gunawan Muhammad Nabil Muhammad, Adib Sulaeman Sulaeman Tria Ratnasari Ulfah, Aulia