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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam Al-Mustashfa Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah MODELING: Jurnal Program Studi PGMI Jurnal SOLMA Journal of Economic, Bussines and Accounting (COSTING) LIABILITIES (JURNAL PENDIDIKAN AKUNTANSI) JMM (Jurnal Masyarakat Mandiri) Martabe : Jurnal Pengabdian Kepada Masyarakat Owner : Riset dan Jurnal Akuntansi Jurnal Tabarru': Islamic Banking and Finance At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman MONSU'ANI TANO Jurnal Pengabdian Masyarakat JURNAL ILMIAH MAKSITEK Aghniya: Jurnal Ekonomi Islam Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah International Journal of Business, Economics, and Social Development AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah International Journal Of Economics Social And Technology KOLONI International Journal of Islamic Studies Higher Education International Journal of Economic, Technology and Social Sciences (Injects) IIJSE International Conference on Islamic Economic Al-Abshar: Journal of Islamic Education Management Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Al-Irfan: Journal Of Arabic Literature and Islamic Studies Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Rahmayati Rahmayati
Department Of Islamic Banking, Faculty Of Islamic Studies, Universitas Muhammadiyah Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Physics Public Health Social Sciences Other

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Implementation of Sharia Business Ethics in Ijarah Financing for Islamic Banking Sustainability Aditha Naya; Rahmayati Rahmayati
International Journal of Islamic Studies Higher Education Vol. 5 No. 1 (2026): March
Publisher : Islamic Studies and Development Center in collaboration with Department of Islamic Education Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/insight.v5i1.306

Abstract

The rapid expansion of Islamic banking underscores the need to integrate Sharia business ethics with sustainability principles, positioning ijarah-based financing as a pivotal mechanism for ensuring fairness and transparency in asset utilization. Despite its normative strength, a persistent gap exists between the conceptual framework of Sharia business ethics and its practical application. This study investigates the values of Sharia business ethics, explores the implementation of ijarah financing, evaluates the alignment between theory and practice, and examines the role of ijarah in advancing sustainability within Islamic banking. Employing a qualitative case study approach, the research was conducted at the Medan-Serdang Branch Office of Bank Sumut. Data were collected through in-depth interviews, direct observation, and documentation, and analyzed using the Miles and Huberman interactive model comprising data reduction, data display, and conclusion drawing. Thematic findings reveal that institutional practices of honesty, fairness, transparency, and trustworthiness are embedded in ijarah financing, particularly through the ijarah muntahiyah bittamlik scheme. However, limited customer understanding of Sharia business ethics perpetuates a gap between normative ideals and practice. The study concludes that ijarah financing contributes to sustainability by fostering productive economic activities, expanding equitable access to financing, and strengthening public trust. These findings imply that enhancing Islamic financial literacy and internalizing ethical values are critical to optimizing the sustainability impact of Islamic banking.
Challenges and Strategies for Improving Financial Management Accountability in Thailand: Insights from Islamic Values Putriyani Azhara Siregar; Rahmayati Rahmayati
Al-Irfan : Journal of Arabic Literature and Islamic Studies Vol. 9 No. 2 (2026): Articles in Press
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/al-irfan.v9i2.806

Abstract

This study aims to analyze the main challenges and strategies in improving financial management accountability at Muslimeen Suksa Islamic Private School in Thailand. The research employs a qualitative case study approach. Primary data were obtained through semi-structured interviews with the principal as the person in charge of financial management and classroom teachers involved in budget implementation, supported by observation and document analysis. Data were analyzed through data reduction, data display, and conclusion drawing, while validity was ensured through source and method triangulation. The findings indicate that although financial management functions such as planning, implementation, recording, and reporting have been carried out, accountability has not been fully optimized due to limited human resource competence, weak internal control mechanisms, dependence on government funding, and limited digital financial systems. Accountability is reflected in documented financial reports and conformity between budget plans and realization; however, transparency and digital documentation still require strengthening. Therefore, integrated strategies including digitalization, capacity building, internal supervision, and standardized reporting are needed to enhance sustainable financial accountability. These findings affirm that strengthening institutional accountability is essential to ensure transparency, efficiency, and long-term sustainability of Islamic educational institutions.
Strategies For Community Economic Empowerment Based On Sharia Business Among MSME Actors In Serdang Bedagai Darma Wijaya; Rahmayati Rahmayati
International Journal Of Economics Social And Technology Vol. 5 No. 1 (2026): Maret 2026
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/ijest.v5i1.1543

Abstract

This research aims to analyze the sharia-based MSME empowerment strategy in Serdang Bedagai Regency and to develop an integrated empowerment model. It employs a qualitative approach with in-depth interviews of 7 key informants and observations across 17 districts. The most critical gap is that 77% of the 135,922 MSMEs lack access to formal financing due to the absence of community guarantee mechanisms and low literacy regarding profit-sharing contracts. The results show that the internalization of akhlakul karimah (noble character) values functions as a mediating variable, resulting in an 8% increase in profit margins through trust-based competitive advantage, as well as solidarity-based business resilience through the practice of qardhul hasan (benevolent loans). The novelty of the research lies in the Integrated Empowerment Strategy Model (IESM), which positions akhlakul karimah as a mediating variable rather than merely an additional ethical component, and complements multi-stakeholder collaboration with a collaborative governance mechanism comprising binding coordination forums, a shared database, and joint evaluation standards. Theoretically, the IESM extends empowerment theory by incorporating measurable spiritual outcome dimensions. Practically, it is recommended to establish a Sharia Economic Empowerment Coordination Forum, simplify sharia micro-financing through linkage programs with village cooperatives, and standardize training modules integrated with akhlakul karimah values.
Strengthening Governance in Islamic Early Childhood Education through the Halal Business Model Canvas: Evidence from Tadika Tahfiz Nur Furqan, Kedah, Malaysia Fidia Putri; Rahmayati Rahmayati
Al-Abshar: Journal of Islamic Education Management Vol. 5 No. 1 (2026): June
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/al-abshar.v5i1.921

Abstract

lamic early childhood education institutions face increasing challenges in establishing sustainable, accountable, and Sharia-compliant governance while responding to growing demands for high-quality educational services. Existing governance models generally emphasize administrative and financial management, with limited attention to integrating strategic management frameworks and halal principles within Islamic educational institutions. This study aims to analyze the implementation of the Halal Business Model Canvas (HBMC) as a strategic governance framework at Tadika Tahfiz Nur Furqan, Kedah, Malaysia. A descriptive qualitative approach was employed, with data collected through semi-structured interviews, participatory observations, and document analysis. The findings were analyzed using the nine components of the Business Model Canvas—customer segments, value proposition, channels, customer relationships, revenue streams, key resources, key activities, key partnerships, and cost structure—integrated with Islamic principles of halal governance. The results demonstrate that the HBMC strengthens institutional governance through transparent financial management, trustworthy resource administration, strategic partnerships, effective parent communication, and educational services grounded in Islamic values. This study contributes to the advancement of Islamic educational management by proposing the Halal Business Model Canvas as a strategic governance model for Islamic early childhood education institutions. It also offers practical recommendations for enhancing institutional sustainability, managerial professionalism, and Sharia-based educational quality in contemporary Islamic education.
The Effect of Syariah People's Business Credit (KUR) And Business Resources on The Productivity of Micro Small and Medium Entrepreneurs (MSME) In Medan, Indonesia Adistia prayoga; Rahmayati Rahmayati
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 10, No 2: Agustus 2023
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v10i2.29582

Abstract

This study examines the influence of Sharia People's Business Credit (KUR Syariah) and business resources on the productivity of MSMEs in Medan Marelan District. The research method used is a quantitative research method. The research used in the study entitled the influence of KURS (Shariah People's Business Credit) and Business Resources on MSME Productivity in Medan Marelan District. The type of research used is a descriptive quantitative research type. Where in this study analyzes the influence of independent variables, namely KURS (people's business credit) and business resources on MSME productivity with the dependent variable being MSME productivity. The population of this study is MSME entrepreneurs in Medan Marelan District consisting of 896 MSMEs. The sampling technique used is the Slovin method. From the calculation results above, the sample of this study was rounded up to 90 MSMEs in Medan Marelan District.This result indicates that 82.3% of MSME productivity variations are influenced by these two variables, while 17.7% are influenced by other factors. Therefore, optimizing access to KUR Syariah, business assistance, and innovative strategies are necessary to enhance MSME competitiveness sustainably. These findings confirm that access to sharia financing and the optimization of business resources can significantly improve MSME productivity. Therefore, the government and sharia financial institutions should continue to promote the broader utilization of KUR Syariah and provide assistance in business management. Additionally, MSME actors are encouraged to develop more innovative business strategies, including business digitalization and improved management quality, to enhance competitiveness and sustainable business growth.
CHALLENGES AND EFFORTS IN DEVELOPING A GENEROUS ATTITUDE THROUGH SHARIA FINANCE LEARNING AT KILAUAN IMPIAN KINDERGARTEN, MALAYSIA Mia Audina; Rahmayati Rahmayati
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol. 11 No. 2 (2026): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah -
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i2.1798

Abstract

This study explores the challenges and efforts in developing a generous attitude in early childhood through Islamic financial education at Tadika Kilauan Impian, Malaysia. The method applied is a descriptive qualitative approach, with data collected through observation, interviews, and documentation. The results of this study show that Islamic financial education for children faces several obstacles, such as difficulties in understanding abstract concepts, lack of integration into the curriculum, limited teacher competence, and suboptimal application of values between educational institutions and families. This study reveals that approaches such as habituation of values, social activities, role modeling, and collaboration between schools and families are crucial in shaping a contextual generous attitude. Theoretically, these results indicate that Islamic financial education plays an important role in instilling values, not just in educating knowledge. In the policy context, this study recommends that a curriculum based on Islamic finance become a priority, teachers' capabilities be improved, and support from institutions be provided to uphold character education of generosity from an early age. 
PELATIHAN PENGEMBANGAN MANAJEMEN SDM SEBAGAI UPAYA MENINGKATKAN PENGHIMPUNAN ZIS DI LAZISMU BINJAI Syahrul Amsari; Rahmayati Rahmayati; Alfi Amalia
JMM (Jurnal Masyarakat Mandiri) Vol 9, No 3 (2025): Juni
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v9i3.30198

Abstract

Abstrak: Penguatan kapasitas sumber daya manusia (SDM) pada lembaga amil zakat menjadi hal penting dalam upaya peningkatan penghimpunan Zakat, Infak, dan Shodaqoh (ZIS) yang berkontribusi terhadap pemberdayaan ekonomi umat. Kegiatan Pengabdian Kepada Masyarakat (PKM) ini bertujuan untuk meningkatkan softskill dan hardskill pengelola Lazismu Kota Binjai, khususnya dalam bidang manajemen SDM dan strategi fundraising. Metode pelaksanaan kegiatan mencakup ceramah, diskusi interaktif, workshop, dan simulasi peran. Kegiatan ini melibatkan 30 peserta yang terdiri dari amil, pengurus, dan relawan Lazismu Kota Binjai. Evaluasi kegiatan dilakukan melalui angket pre-test dan post-test yang disebarkan kepada seluruh peserta. Hasil evaluasi menunjukkan peningkatan pemahaman peserta sebesar 85% dalam aspek manajerial fundraising dan 80% dalam pencatatan serta pelaporan keuangan ZIS. Pelatihan ini terbukti efektif dalam mendukung profesionalisasi pengelolaan ZIS di tingkat lokal.Abstract: Strengthening the capacity of human resources (HR) in zakat collection institutions is important in efforts to increase the collection of Zakat, Infak, and Shodaqoh (ZIS) which contributes to the empowerment of the people's economy. This Community Service (PKM) activity aims to improve the soft skills and hard skills of Lazismu Binjai City managers, especially in the fields of HR management and fundraising strategies. The method of implementing the activity includes lectures, interactive discussions, workshops, and role simulations. This activity involved 30 participants consisting of amil, administrators, and volunteers of Lazismu Binjai City. The evaluation of the activity was carried out through pre-test and post-test questionnaires distributed to all participants. The evaluation results showed an increase in participants' understanding by 85% in the managerial aspects of fundraising and 80% in recording and reporting ZIS finances. This training has proven effective in supporting the professionalization of ZIS management at the local level.
PELATIHAN PEMANFAATAN AI UNTUK MENINGKATKAN PRODUKTIVITAS PENULISAN DAN PUBLIKASI ILMIAH UNTUK DOSEN & MAHASISWA DI THAILAND SELATAN Ahmad Afandi; Zailani Zailani; Rahmayati Rahmayati; Isra Hayati
JMM (Jurnal Masyarakat Mandiri) Vol 10, No 2 (2026): April
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v10i2.37519

Abstract

Abstrak: Rendahnya literasi digital dalam pemanfaatan kecerdasan buatan (AI) yang berimplikasi pada rendahnya produktivitas publikasi ilmiah sivitas akademika menjadi latar belakang utama kegiatan pengabdian ini. Kegiatan ini dirancang secara spesifik untuk menjembatani kesenjangan kapabilitas tersebut, dengan tujuan utama membekali peserta melalui pelatihan intensif mengenai pemanfaatan AI secara praktis, efektif, dan etis guna mengakselerasi keseluruhan alur kerja penulisan ilmiah, mulai dari tahap ideasi hingga finalisasi naskah. Diimplementasikan menggunakan pendekatan Participatory Action Research (PAR) yang kolaboratif, kegiatan ini melibatkan 75 dosen dan mahasiswa dari Fakultas Sastra, Fatoni University, Thailand, sebagai partisipan aktif dalam sebuah lokakarya interaktif yang diselenggarakan selama dua hari. Metode ini memastikan relevansi dan pemberdayaan peserta melalui integrasi materi konseptual tentang urgensi dan etika AI, demonstrasi penggunaan Elicit/QuillBot/Mendeley, praktik langsung pada riset peserta, serta diskusi terpandu untuk pemecahan masalah kontekstual Hasil evaluasi program menunjukkan dampak intervensi yang sangat signifikan dan terukur. Analisis kuantitatif dari perbandingan skor pre-test dan post-test membuktikan adanya peningkatan pemahaman dan kompetensi peserta dengan kenaikan rata-rata sebesar 78%.Abstract: A low level of digital literacy in the use of artificial intelligence (AI), which has implications for the low productivity of scientific publications by the academic community, is the main background for this community service activity. This activity was specifically designed to bridge this capability gap, with the main objective of equipping participants through intensive training on the practical, effective, and ethical use of AI to accelerate the entire scientific writing process, from the ideation stage to the finalization of manuscripts. Implemented using a collaborative Participatory Action Research (PAR) approach, this activity involved 75 lecturers and students from the Faculty of Literature, Fatoni University, Thailand, as active participants in a two-day interactive workshop. This method ensured the relevance and empowerment of participants through the integration of conceptual material on the urgency and ethics of AI, demonstrations of the use of Elicit/QuillBot/Mendeley, hands-on practice on participants' research, and guided discussions for contextual problem solving. The program evaluation results showed a very significant and measurable impact of the intervention. Quantitative analysis of pre-test and post-test score comparisons demonstrated an increase in participants' understanding and competence, with an average increase of 78%.
Co-Authors Ade Gunawan Adistia prayoga Aditha Naya Afrizal Bakri Hasibuan Ahmad Afandi Akrom, Akrom Alfi Amalia Amruh Amruh Br Sitepu, Himmatul Ulia Darma Wijaya Edisah Putra Nainggolan Efri Kurnia Fadhli bin Wan Mahmud Khairi Fidia Putri Fikri Reynanda Hasibuan Hafni Nainggolan Henna Habibillah Himmatul Ulia Br Sitepu Isra Hayati Julita, Julita Lia Chairunisa Maya Sari Maya Sari Mia Audina Miftahul Isror Mira Dipa Muhammad Arifin Lubis Muhammad Farhan Abdillah Lubis Mutia Khaira Mutiah Khaira Sihotang Nayla Sari Yusri Putriyani Azhara Siregar Rycha Amalia Garingging Seprida Hanum Siti Mujiatun Syahrul Amsari Uswah Hasanah Zailani, Zailani