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All Journal International Journal of Applied Finance and Business Studies Al-Umm: Jurnal Pengabdian dan Pengembangan Masyarakat
Marro'aini, Marro'aini
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Deflation and middle-class in Indonesia: An empirical analysis in January 2022-January 2025 Marro'aini, Marro'aini
International Journal of Applied Finance and Business Studies Vol. 13 No. 1 (2025): June: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v13i1.355

Abstract

This study examines the relationship between deflationary trends and the contraction of the middle class in Indonesia between January 2022 to January 2025. Utilizing macroeconomic data from Bank Indonesia and the Central Statistics Agency (BPS), the research analyzes key indicators such as inflation rates, consumer price index (CPI), household consumption, and asset value fluctuations. The findings reveal that while deflation eased cost pressures in some sectors, it also led to declining business revenues, wage stagnation, and job insecurity, particularly affecting middle-income workers in retail, manufacturing, and services. The increased real burden of household debt and declining asset values further undermined middle-class financial stability. During this period, the proportion of middle-class citizens dropped to 17.13% of the population, accompanied by shrinking savings, reduced consumption, and changing spending behavior; such as a decline in car purchases and a rise in motorcycle sales. The research highlights the dual nature of deflation as both a short-term relief and a long-term economic risk, emphasizing the need for targeted policies to safeguard middle-class resilience and maintain sustainable economic growth in Indonesia.
Pengenalan Literasi Keuangan dan Pengendalian Personal Financial Planning untuk Generasi Z Sakinah, Nur; Martha Darman, Dian; Arfah, Lita; Marro'aini, Marro'aini; Jonkenedi, Jonkenedi
Al-Umm: Jurnal Pengabdian dan Pengembangan Masyarakat Vol. 1 No. 1 (2023): Al-Umm: Jurnal Pengabdian dan Pengembangan Masyarakat
Publisher : Sekolah Tinggi Agama Islam (STAI) Al- Kifayah Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Consumerist behavior that has become a habit of society has resulted in a tendency to reduce cultural development. There are still many people who do not realize the importance of having a view on financial management in their personal lives because of the assumption that personal financial planning is only for high-income people and financial planning is only carried out by an organization or company. The aim of carrying out community service for Al-Izhar IT Vocational School students in Pekanbaru is to participate in raising awareness among these students through the introduction of financial literacy, so that generation Z understands and recognizes financial literacy and personal financial planning to prepare for a better future as early as possible. The implementation method was designed and implemented using the PAR (Participatory Action Research) method, which involves researchers and participants in collaboration to encourage active participation, feedback, and joint knowledge creation. The results achieved were that students understood the concept of financial literacy, were able to avoid behavior that could influence generation Z's financial decisions, and had self-control in personal financial planning.
Pengenalan Proses Sertifikasi Halal Pada Pelaku Usaha Mikro Dan Kecil Arfah, Lita; Marro'aini, Marro'aini; Sakinah, Nur; Jonkenedi, Jonkenedi; Martha Darman, Dian
Al-Umm: Jurnal Pengabdian dan Pengembangan Masyarakat Vol. 1 No. 2 (2024): Al-Umm: Jurnal Pengabdian dan Pengembangan Masyarakat
Publisher : Sekolah Tinggi Agama Islam (STAI) Al- Kifayah Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53398/alumm.v1i2.326

Abstract

Halal certification is a process that is a necessity for meeting a wide market share, including benefits for entrepreneurs trading goods or services. On the consumer side, halal certification is proof of the seriousness of entrepreneurs in fulfilling the halal status of merchandise, whether in the form of goods or services. In the framework of the Tridharma of lecturers in the field of sharia finance in the Sharia Business Management study program, the author provides knowledge to Community Service regarding the halal certification process in the target area: Tuah Madani Village, Pekanbaru. This implementation is aimed at the household environment in the sub-district. The aim of this community service is to provide knowledge about the halal certification process and related understanding, which is fundamental according to the 2021 BPJPH regulations, including the type of business, size of the company, length of the process, and fees charged. After the presentation, the author carried out a direct evaluation of the participants by means of question and answer to test that the participants had understood the things presented as appropriate information to help the existence of sharia-compliant businesses
Pemberdayaan Masyarakat Melalui Pemasaran Syari’ah Yang Berkelanjutan Dan Beretika di Pekanbaru Arfah, Lita; Marro'aini, Marro'aini; Martha Darman, Dian; Sakinah, Nur; Iqbal, Muhammad
Al-Umm: Jurnal Pengabdian dan Pengembangan Masyarakat Vol. 2 No. 1 (2024): Al-Umm: Jurnal Pengabdian dan Pengembangan Masyarakat
Publisher : Sekolah Tinggi Agama Islam (STAI) Al- Kifayah Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53398/alumm.v2i1.537

Abstract

This community service activity aims to provide information on sharia marketing as a sustainable and ethical community empowerment strategy in Pekanbaru. The sharia approach to marketing emphasizes not only economic profit but also upholds moral values, justice, and social sustainability. Through participatory community service activities, this program involves micro, small, and medium enterprises (MSMEs) in the Air Putih Village of Pekanbaru in developing product marketing strategies that comply with sharia principles. The results of the activity indicate that applying the principles of honesty, transparency, and social responsibility in product promotion and distribution can increase consumer trust, expand market networks, and encourage inclusive economic growth in the community. Furthermore, collaboration between academics, government, and the community plays a crucial role in creating a sustainable sharia marketing ecosystem. The study is expected to reinforce the urgency of integrating Islamic values into daily business practices as a solution for ethical and equitable economic development in urban areas like Pekanbaru
Co-Authors Arfah, Lita Jonkenedi Jonkenedi Martha Darman, Dian Muhammad Iqbal Nur Sakinah