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All Journal International Journal on Social Science, Economics and Art CARE: Jurnal Pengabdian Multi Disiplin Journal of Economic, Management, Business, Accounting Sustainability Journal Of Community Sustainability Journal of Financial and Business
Mardiyah, Suci
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analisis Pelaksanaan Akad Ijarah Muntahiyah Bit Tamlik Di Lembaga Pembiayaan Syariah Di Indonesia Mardiyah, Suci; Khairi, Rifqil
Journal of Economic, Management, Business, Accounting Sustainability Vol. 1 No. 4 (2024): November 2024
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/joembas.v1i4.38

Abstract

The purpose of this article is to analyze the implementation of the Ijarah Muntahiyah bi al-tamlik (IMBT) agreement in the practice of sharia financing institutions in Indonesia. The method used is a literature study by examining aspects of contract structure, determining rental prices and purchase options, as well as the roles and responsibilities of the parties in IMBT practice. IMBT is a hybrid contract that combines rental transactions (ijarah) and buying and selling (bai'). In practice, IMBT provides flexibility for customers to obtain ownership of leased assets according to their financial capabilities. However, the structure of the IMBT contract must be carried out carefully so that it complies with sharia principles. Determination of rental prices and purchase options must also be carried out fairly and transparently to maintain a balanced bargaining position between Islamic financial institutions and customers. In addition, the roles and responsibilities of each party need to be clearly regulated, especially regarding asset maintenance, profit sharing, and transfer of asset ownership at the end of the lease term. By understanding these aspects, it is hoped that the implementation of IMBT contracts by sharia financial institutions in Indonesia can provide optimal benefits for customers and be in line with sharia principles.
Does Investment Literacy Reduce the Impact of Investors' Cognitive Biases While Investing? (Role of Gender Difference) Sudirman, Wahyu Febri Ramadhan; Syaipudin, Muhammad; Hasda, Miftah; Priyatno, Arif Mudi; Mardiyah, Suci; Zahara, Alfiatun
International Journal on Social Science, Economics and Art Vol. 14 No. 4 (2025): February: Social Science, Economics
Publisher : Institute of Computer Science (IOCS)

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Abstract

This study examined the role of investment literacy in reducing cognitive biases in investment decisions, particularly availability bias, overconfidence bias, and herding bias. Using a quantitative explanatory approach, data were collected from 392 stock investors in Indonesia through surveys. The study employed Multi-Group Analysis (MGA) to assess the moderating effect of gender on the relationship between investment literacy and cognitive biases. The findings indicated that higher investment literacy significantly reduced all three biases, enabling investors to process information more objectively, assess their abilities more realistically, and make independent decisions. However, the moderating effect of gender was only significant in the relationship between investment literacy and overconfidence bias, while it had no significant impact on availability bias and herding bias. These results underscore the importance of investment literacy in minimizing irrational decision-making. The findings have practical implications for investors in improving their financial decision-making, for policymakers in designing effective financial education programs, and for academics in further developing behavioral finance research.
Edukasi Akad-Akad Syariah Dan Perkembangan Ekonomi Syariah Pada Siswa SMA IT Al Utsaimin Zakir, Muhammad; Hasda, Mifta; Hidayat, Hidayat; Reza, Saru; Mardiyah, Suci
Journal of Community Sustainability Vol. 2 No. 3 (2025): September 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i3.269

Abstract

This community service program was carried out for students of SMA IT Al Utsaimin Bangkinang with the main objective of providing education on Islamic contracts (akad-akad syariah) and the development of Islamic economics. This activity is considered important since students’ understanding of the basic concepts of Islamic economics varies, thus requiring systematic efforts through non-formal learning outside the classroom. The methods used in this activity included counseling, presentations, and interactive discussions. The counseling sessions aimed to provide a basic understanding of the principles of Islamic contracts, presentations were used to showcase the development of Islamic economics in Indonesia and globally, while the discussions allowed students to ask questions and clarify their understanding of the material delivered. The results of the activity indicated that the community service program was successfully implemented and carried out in accordance with the planned schedule. In general, students showed great enthusiasm in participating, although their levels of understanding differed. Some students already had a good grasp of Islamic contract concepts, some were still uncertain, and others had not yet fully understood the material. The achievement of the program’s objectives can be considered positive since all activities were successfully conducted with the support of collaboration between the school, the facilitators, and the business owners involved
Penguatan Pemahaman dan Kesadaran Siswa MA PPMTI Tanjung Berulak Air Tiris terhadap Prinsip Keuangan Syariah Syaipudin, Muhammad; Hasda, Miftah; Riski, Syafnur Muhammad; Mardiyah, Suci
CARE: Journal Pengabdian Multi Disiplin Vol. 3 No. 2 (2025)
Publisher : Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/care.v3i2.50945

Abstract

Kegiatan pengabdian kepada masyarakat ini dilaksanakan di Pondok Pesantren Madrasah Tarbiyah Islamiah (PPMTI) Tanjung Berulak dengan tema “Peningkatan Kesadaran dan Pengetahuan Prinsip Keuangan Syariah bagi Santri PPMTI Tanjung Berulak.” Tujuan kegiatan ini adalah untuk meningkatkan dan mengukur tingkat kesadaran serta pemahaman santri terhadap prinsip-prinsip keuangan syariah. Dalam rangka mencetak generasi muda yang tidak hanya memahami nilai-nilai keislaman tetapi juga mampu menerapkan prinsip keuangan syariah, kegiatan ini memberikan edukasi mengenai konsep dasar keuangan syariah dan implementasinya dalam lembaga keuangan syariah, khususnya pada bank syariah. Metode pelaksanaan kegiatan meliputi tahapan persiapan, pelaksanaan, dan evaluasi. Tahap persiapan dilakukan melalui koordinasi dengan pihak pesantren, penyusunan materi, dan pembuatan media pembelajaran. Tahap pelaksanaan menggunakan metode ceramah dan diskusi interaktif, diikuti oleh santri kelas 12. Setelah penyampaian materi, dilakukan sesi tanya jawab untuk memperdalam pemahaman peserta. Hasil kegiatan menunjukkan adanya peningkatan kesadaran dan pengetahuan santri terhadap prinsip keuangan syariah serta meningkatnya antusiasme mereka untuk menerapkannya dalam kehidupan sehari-hari. Kegiatan ini diharapkan dapat memberikan manfaat berkelanjutan bagi para santri dan menjadikan mereka sebagai agen perubahan dalam mempromosikan keuangan syariah di lingkungan pesantren maupun masyarakat luas.
The Role of Microfinance in Driving MSME Growth: Challenges and Opportunities Amidst Economic Uncertainty Mardiyah, Suci; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 2 No 1 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jfb.v2i1.70

Abstract

This study aims to analyze the role and effectiveness of microfinance in improving the resilience and performance of Micro, Small, and Medium Enterprises (MSMEs) amidst uncertain economic dynamics. MSMEs contribute significantly to Gross Domestic Product (GDP) and employment, but still face various obstacles, particularly in access to formal financing, limited capital, and low financial literacy. This study uses a library research method with a qualitative approach. Data were obtained through searching and analyzing various literature sources such as scientific journals, books, research reports, and official documents relevant to the topic of microfinance and MSME development. Data were analyzed descriptively and analytically to identify patterns of findings, research gaps, and conceptual synthesis related to the effectiveness of microfinance. The results of the study indicate that microfinance plays a significant role in improving capital access, productivity, and the sustainability of MSME businesses. In addition, support for the digitalization of financial services and innovation in financing models contribute to expanding financial inclusion. However, financing effectiveness is strongly influenced by factors such as financial literacy, managerial capacity, and adequate policy support. This study concludes that microfinance serves not only as a credit instrument but also as an economic empowerment strategy capable of sustainably strengthening the resilience of MSMEs.
Analysis of Investment Strategy and Effectiveness of Risk Diversification in Property Investment Andini, Bunga; Mardiyah, Suci; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 2 No 1 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jfb.v2i1.73

Abstract

Property investment is one of the most popular long-term investment instruments due to its potential to generate stable income and achieve asset value appreciation over time. As a tangible asset, property is often perceived as relatively secure compared to financial assets; however, it is not free from risk. Property investment is exposed to various uncertainties, including market volatility, fluctuations in economic conditions, location-specific risks, regulatory changes, and relatively low liquidity compared to other investment instruments. These risk factors may negatively affect investment performance if not properly managed. Therefore, a comprehensive analysis of property investment risk is essential to support informed investment decision-making. One effective approach to managing investment risk is portfolio diversification, which involves allocating funds across different asset classes to reduce dependence on a single source of return. Diversification aims to minimize unsystematic risk while optimizing the overall risk–return trade-off of the portfolio. Integrating property assets into a diversified investment portfolio can provide benefits such as income stability, inflation hedging, and risk reduction due to low correlation with certain financial assets. This study emphasizes the importance of analyzing the effectiveness of risk diversification in investment portfolios that include property assets.
Co-Authors Andini, Bunga Arif Mudi Priyatno Hidayat Hidayat Mifta Hasda Muhammad Syaipudin Muhammad Zakir Rifqil Khairi Riski, Syafnur Muhammad Saru Reza Wahyu Febri Ramadhan Sudirman Zahara, Alfiatun