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All Journal Al-Ulum Laa Maisyir Jurnal Ekonomi Islam Jurnal Pilar FITRAH:Jurnal Kajian Ilmu-ilmu Keislaman Al-'Adl Al-Amwal : Journal of Islamic Economic Law At-Tawassuth: Jurnal Ekonomi Islam YUME : Journal of Management Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Madinah: Jurnal Studi Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam NUKHBATUL 'ULUM : Jurnal Bidang Kajian Islam Al-Kharaj: Journal of Islamic Economic and Business Jurnal Hukum Ekonomi Syariah Journal De Facto Bertuah : Jurnal Syariah dan Ekonomi Islam Economics and Digital Business Review Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora International Journal of Economics, Management, Business, and Social Science Jurnal Ar-Ribh Shautuna: Jurnal Ilmiah Mahasiswa Perbandingan Mazhab Jurnal Iqtisaduna Al-Buhuts (e-journal) EKONOMIKA45 Islamic Accounting and Finance Review TAMWIL: Jurnal Ekonomi Islam Filantropi: Jurnal Manajemen Zakat dan Wakaf Formosa Journal of Multidisciplinary Research (FJMR) Formosa Journal of Sustainable Research (FJSR) Tadayun: Jurnal Hukum Ekonomi Syariah Islamic Economic and Business Journal Jurnal Islam Nusantara POLICY, LAW, NOTARY AND REGULATORY ISSUES (POLRI) Media Riset Bisnis & Manajemen Indonesian Journal of Contemporary Multidisciplinary Research Innovative: Journal Of Social Science Research AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Jurnal Serambi Ekonomi dan Bisnis Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan Al-Jadwa: Jurnal Studi Islam Journal of Management and Innovation Entrepreneurship (JMIE) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam At Tawazun Jurnal ekonomi Islam International Journal of Islamic Studies Jurnal Intelek Dan Cendikiawan Nusantara Moneta : Journal of Economics and Finance Jurnal Intelek Insan Cendikia Journal of Ekonomics, Finance, and Management Studies Jurnal Akuntansi dan Keuangan Journal of Islamic Economics and Finance KINERJA : Jurnal Ekonomi dan Bisnis
Rahmawati Muin
Universitas Islam Negeri Alauddin Makassar
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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PENERAPAN BAGI HASIL PADA SISTIM TESANG (AKAD MUZARA’AH) BAGI MASYARAKAT PETANI PADI DI DESA DATARA KECAMATAN TOMPOBULU KABUPATEN GOWA Darmanita Darmanita; Rahmawati Muin
Jurnal Iqtisaduna Vol 2 No 1 (2016)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v2i1.2395

Abstract

Penelitian ini bertujuan untuk mengkaji lebih dalam tentang akad muzara’ah dalam perspektif ekonomi Islam dan untuk mengetahui penerapan akad muzara’ah bagi masyarakat petani padi di Desa Datara Kecamatan Tompobulu Kabupaten Gowa.Jenis penelitian ini adalah penelitian kualitatif deskriptif dan penelitian ini mengambil lokasi di Desa Datara Kecamatan Tompobulu Kabupaten Gowa. Pendekatan penelitian yaitu pendekatan syar’i, sosiologis dan ekonomi. Sumber data terdiri atas data primer dan data sekunder. Metode pengumpulan data dilakukan dengan cara wawancara, observasi dan dokumentasi. Sedangkan instrument penelitian terdiri atas interview dan dokumentasi. Adapun teknik pengolahan dan alanisis data yang digunakan dalam penelitian ini adalah teknik kualitatif.Dari hasil penelitian yang dilakukan menunjukkan bahwa pembagian hasil panen yang dilakukan masyarakat desa Datara Kecamatan Tompobulu Kabupaten Gowa belum sepenuhnya dilakukan berdasarkan aturan dalam Islam. Proses transaksi sistim tesang (akad muzara’ah) di Desa Datara Kecamatan Tompobulu Kabupaten Gowa dapat dikategorikan kerjasama yang sah karena saling mengandung prinsip muamalah yaitu adanya unsur saling rela dan merupakan adat/kebiasaan. Dipandang dari perspektif ekonomi Islam, sistim tesang (akad muzara’ah) yang dilaksanakan di desa Datara Kecamatan Tompobulu Kabupaten Gowa sebagian besar sudah sesuai dengan asas ekonomi Islam, yaitu: asas kesukarelaan, asas keadilan, asas saling menguntungkan, dan asas saling tolong menolong.
Perbandingan Faktor yang Memengaruhi Keputusan Investor Muda dalam Berinvestasi Konvensional atau Syariah di Kota Makassar Rahmawati Muin; Abdurrahman Mansyur; Murtiadi Awaluddin; Muhammad Akil Rahman
Media Riset Bisnis & Manajemen Vol. 20 No. 1 (2020): Media Riset Bisnis & Manajemen
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (299.52 KB) | DOI: 10.25105/mrbm.v20i1.6215

Abstract

Tujuan- Penelitian ini bertujuan untuk menginvestigasi factor inheren pembentuk beragam keputusan investasi dalam pemilihan saham berbasis konvensional atau Syariah.Desain/Metodologi/Pendekatan- Dengan menggunakan metode kuantitatif, artikel ini menggunakan metode confirmatory factor analysis (CFA) pada dua kelompok sampel pemuda yaitu 56 orang pemilih saham konvensional, dan 54 saham Syariah.Hasil Penelitian- Hasil dari penelitian ini menunjukkan bahwa faktor-faktor yang mempengaruhi investor muda saham konvensional adalah Setup Value, diikuti oleh Return Attractiveness, dan Added Value, sedangkan untuk investor saham syariah dipengaruhi oleh faktor Spirituality, diikuti oleh Setup Value, Sharia Attractiveness, dan Return Attractiveness. Implikasi dari penelitian ini adalah faktor Spirituality dan Sharia Attractiveness sebagai faktor pembeda antara investor saham konvensional dan syariah dalam memutuskan untuk berinvestasi.Keterbaruan/Nilai- Penelitian ini menginvestigasi respon dari para investor muda, dan menjadi factor unik karena jumlah mereka, khususnya mahasiswa/i relatif kecil. Penelitian ini juga mengungkap proses pembentukan respon pemilihan saham baik konvensional maupun islami dalam kelompok investasi tertentu.
KARAKTERISTIK DAN RANCANG BANGUN EKONOMI ISLAM Fauziah Sulaiman; Muhtar Lutfi; Rahmawati Muin
Tadayun: Jurnal Hukum Ekonomi Syariah Vol. 3 No. 2 (2022)
Publisher : Program Studi Hukum Ekonomi Syariah, Fakultas Syariah, Universitas Islam Negeri (UIN) Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/tadayun.v3i2.84

Abstract

Characteristics in Islamic Economics include the principles of aqidah, morals and law but the building is designed to be derived from the Qur'an, Sunnah, Ijma and Qiyas. Islam does not mean that the principle of equality or the same result is the will of Islamic teachings which is the same as in communism thought. This is contrary to the nature of humans created by Allah SWT. There are differences in the stage of intelligence and other abilities. The purpose of achieving falah in Islamic economics is the realization of pillars, namely basic operational values that appear in Islamic economic principles. Abstrak Karakteristik dalam Ekonomi Islam meliputi asas aqidah, akhlak dan hukum namun bangunannya dirancang agar berasal dari al-Qur’an, Sunnah, Ijma dan Qiyas. Agama Islam tidak memaknai bahwa prinsip sama rata atau hasilnya yang sama itu merupakan kehendak dari ajaran Islam yang sama halnya dalam pemikiran komunisme, hal ini bertentangan dengan fitarhnya manusia yang diciptakan oleh Allah SWT., adanya perbedaan pada tahap kecerdasan dan kemampuan lainnya. Adapun tujuan dari tercapainya falah dalam ekonomi Islam adalah terwujudnya pilar, yaitu nilai-nilai dasar, operasional yang nampak pada prinsip-prinsip ekonomi Islam.
Zakat Management in Countries that Require Zakat and Countries That Do Not Require Zakat Djafar; Mukhtar Lutfi; Rahmawati Muin; Sugianto
Formosa Journal of Sustainable Research Vol. 2 No. 2 (2023): February 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjsr.v2i2.3076

Abstract

Zakat is an obligation for every individual who is Muslim, zakat is imposed when it has reached the nisab and haul, in this paper the author conveys that there are several countries in the world that impose mandatory zakat in these countries and countries that do not require zakat for their citizens who are Muslim but leave it to the Muslims themselves. The author uses a descriptive research method in the form of library research (library research). The results of the study show that in the management of zakat there are countries that intervene directly in the collection and distribution of zakat in these countries, including Saudi Arabia, Jordan, Pakistan, Sudan, Malaysia and Brunei, there are also countries that do not intervene but these countries provide space for their citizens to conducting zakat collection activities, these countries include Egypt, Kuwait, Turkey, and Indonesia. In line with this, the zakat management model carried out by each country depends on the conditions and political situation of the country so that various patterns of zakat collection are born. in real terms, if the management of zakat is properly accommodated, it will become a new economic power in a country and this will of course help the country in improving the standard of living of its people because life is mutually supportive and mutual cooperation in the zakat management system
Manajemen Zakat di Masa Awal Islam Reni Reni; Rahmawati Muin
PILAR Vol 14, No 1 (2023): JURNAL PILAR, JUNI 2023
Publisher : Universitas Muhammadiyah Makassar

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

Abstract

One of the most appropriate criteria used to describe how zakat is managed ideally is by tracing how zakat was managed in the early Islamic era. This is the background for conducting this research, especially to find out the zakat management policies in the early period of Islam and are currently projected as state standards. This research is a library research with a descriptive analysis approach. Based on the data obtained, it can be understood that, during the time of Rasulullah SAW, the management of zakat was carried out individually with the help of friends who were assigned to collect zakat. Even during the era of Abu Bakar Al-Siddiq, the policy of paying zakat was clarified and tightened. As a result, Muslims who hesitate to assume this responsibility will be seen as enemies of Islam. Although the implementation of this policy was facilitated during the reign of Uthman bin Affan, it does not mean that the (Islamic) state does not have the authority to manage zakat. Keywords: Zakat, The Period of the Prophet, Islamic Economics
Permasalahan dan Solusi Pengelolaan Zakat di Indonesia Risnawati Risnawati; Andi Niken Ayu N.F; Rahmawati Muin; Mukhtar Lutfi
Innovative: Journal Of Social Science Research Vol. 3 No. 3 (2023): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v3i3.2246

Abstract

Penelitian ini bertujuan untuk menganalisis permasalahan pengelolaan zakat di Indonesia dan menyusun solusi yang dapat meningkatkan efektivitas pengelolaan zakat. Metode penelitian yang digunakan adalah library research, dengan mengumpulkan dan menganalisis berbagai sumber literatur dan dokumentasi yang relevan dengan topik penelitian. Berdasarkan analisis terhadap permasalahan-permasalahan tersebut, penelitian ini menyusun solusi-solusi yang dapat meningkatkan pengelolaan zakat di Indonesia. Solusi-solusi tersebut meliputi peningkatan kesadaran masyarakat tentang pentingnya zakat melalui kampanye dan edukasi yang efektif, peningkatan kepercayaan terhadap lembaga pengelola zakat melalui transparansi, akuntabilitas, dan pengawasan yang lebih ketat, peningkatan transparansi dalam pengumpulan dan distribusi zakat melalui penggunaan teknologi informasi, inovasi dalam pengumpulan zakat dari sektor ekonomi informal melalui pendekatan yang inklusif dan adaptif, serta perbaikan kerangka hukum dalam pengelolaan zakat untuk memberikan kepastian hukum dan perlindungan bagi semua pihak yang terlibat. Dengan implementasi solusi-solusi yang diusulkan, diharapkan pengelolaan zakat di Indonesia dapat meningkat secara signifikan, memastikan dana zakat disalurkan dengan tepat dan efektif kepada penerima yang berhak. Penelitian ini memberikan kontribusi dalam meningkatkan pemahaman dan pemecahan masalah terkait pengelolaan zakat, serta memberikan panduan bagi pihak terkait dalam meningkatkan keefektifan pengelolaan zakat di Indonesia.
Analisis implementasi regulasi zakat sebagai pengurang penghasilan kena pajak berdasarkan undang-undang nomor 23 tahun 2011 pada KPP Makassar Barat Nurhasnaini. H; Mukhtar Lutfi; Rahmawati Muin
YUME : Journal of Management Vol 6, No 2 (2023)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v6i2.5535

Abstract

Implementasi zakat sebagai pengurang penghasilan kena pajak merupakan hal yang sangat penting dalam rangka menciptakan pengelolaan zakat yang efektif guna meningkatkan keinginan muzakki dalam membayar zakat, sehingga kewajiban ganda yang selama ini masyarakat muslim rasakan mendapat keringanan setiap tahunnya. Implementasi zakat sebagai pengurang penghasilan kena pajak terbukti tidak efektif dalam rangka menyelaraskan zakat dan pajak menjadi sumber pendapatan negara sekaligus sebagai intrumen untuk mensejahterakan masyarakat dan pengentasan kemiskinan. Oleh sebab itu, regulasi zakat sebagai pengurang pajak langsung (tax credit) dinilai sebagai solusi dalam menyelaraskan optimalisasi pemungutan pajak dan zakat di Indonesia. zakat sebagai pengurang pajak langsung (tax credit) yang telah terbukti sukses diterapkan di Malaysia seperti terciptanya multipplier-effect terhadappeningkatan perekonomian, bertambahnya jumlah wajib pajak dan muzakki secara simultan, zakat dapat dijadikan sebagai alat kontrol pembayaran pajak bagi wajib pajak yang bandel, serta menghilangkan kewajiban ganda yang selama ini di pikul oleh wajib pajak muslim. Dalam penelitian ini, penulis menggunakan metodologi penelitian kualitatif dengan mendeskripsikan fakta-fakta yang ada di lapangan.Kata Kunci: zakat; pajak; implementasi; regulasi.
Convergence of Qard and Ijarah Agreements Evidence of Gold Pawn Products from Bank Syariah Indonesia Mujahidin, Mujahidin; Randi, Randi; Muin, Rahmawati; Sapira, Sapira
Al-'Adl Vol 16, No 2 (2023): Al-'Adl
Publisher : Institut Agama Islam Negeri (IAIN) Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/aladl.v16i2.5823

Abstract

The application of gold pawning in Islamic banks uses the concept of qardh and ijarah contracts with the guidance of Islamic economic law (sharia) with the provisions of the fatwa of the National Sharia Council (DSN) of the Indonesian Ulema Council (MUI). This study aims to determine the application of the Convergence of Qard and Ijarah Acts on Gold Pawn Products at Bank Syariah Palopo. The design in this research is field research that uses descriptive qualitative research methods with juridical analysis through observation, interviews. The results of this study reveal that the signing of qardh, rahn and ijarah contracts at Bank Syariah Mandiri Palopo is carried out separately to avoid gharar, jahalah and usury. Thus, qard products are not included in the hybrid contract category. The convergence of the gold pawn contract of Bank Syariah Mandiri Palopo City based on the research results is in accordance with the provisions of DSN fatwa No.25/DSN-MUI/III/2002 on rahn and DSN fatwa NO.26/ DSN -MUI/III/2002 on gold pawning. Thus, the convergence/integration of the qardh contract and ijarah contract in the gold pawn product at Bank Syariah Mandiri Palopo is appropriate because it is in accordance with and fulfils the DSN fatwa.
MYSTERY BOX AND ITS IMPACT ON SOCIETY (ISLAMIC LAW REVIEW) Nurfyana Narmia Sari; Muslimin Kara; Rahmawati Muin
International Journal of Islamic Studies Vol 1 No 2 (2021): December
Publisher : Pascasarjana UIN Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ijis.v1i2.32436

Abstract

The main problem of the research is How is the Impact of Buying and Selling Mystery Boxes and the Impact on Shopee E-Commerce Consumers in Makassar City (Review of Islamic Law? The subject matter is further elaborated into sub-problems, namely: 1) what is the nature of buying and selling Mystery Box? 2) What is the Impact of Buying and Selling Mystery Box e-commerce to consumers in Makassar City? 3) What is the Law of Buying and Selling Mystery Box in E-commerce based on Islamic Law?. The type of research used is qualitative by using a research approach, namely: Juridical Phenomenology Approach, and Shari'a Normative Approach. Then the source of this research data is taken from primary data in the form of interviews with customers of Mystery Box Angela Beauty Makassar, and secondary data in the form of data taken from costumers Angela Beauty and literature studies related to the problems studied. Furthermore, the data collection methods used were observation, interviews, and documentation as well as other reference searches. The data processing and data analysis techniques were carried out through three stages, namely: data reduction, data presentation, and drawing conclusions. The results of this study indicate that the impact of buying and selling Mystery Boxes in Makassar City has a major impact on customers who have already purchased mystery boxes. Some of the customers who have bought the mystery box but did not get the product according to the selling price, but instead got the product that was not worth the purchase price. The seller is not responsible for the customer's loss because the seller has provided a product description if buying a mystery box, the prospective customer has agreed to the type, color and shape of the goods received, this is contrary to Islamic law because legal buying and selling must not have an element of uncertainty (gharar) and chancy (Maysiir). In addition, protection against consumers regarding consumer rights does not apply when buying a mystery box because the seller does not accept the return of the goods.
Form Of Implementation Of Good Corporate Govarnance Principles At Laznas Wahdah Inspiration Muhammad Fajar Ramadan; Ahmad Busyairi; Sirajuddin Sirajuddin; Muslimin Kara; Nurfiah Anwar; Rahmawati Muin; Muhammad Nasri Katman
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 1 (2024): All articles in this issue include authors from 5 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v6i1.4972

Abstract

The country with the largest Muslim population makes Indonesia have a large zakat potential, namely 233 trillion, but this large potential is inversely proportional to what has been collected, namely only 1% of the potential or 10 trillion. The implementation of GCG is considered to be one solution to increase the realization of zakat. the. Wahdah Inspirasi Zakat (WIZ) is a Laznas that shows collection performance that has increased significantly, which is the basis for the author to conduct research to find out what form of GCG implementation in WIZ Makassar City is based on guidelines.good governance published by the National Committee for Governance Policy (KNKG). This research is qualitative with a phenomenological approach. The results of the research show that WIZ has implemented GCG well in accordance with the provisions issued by the National Committee for Governance Policy (KNKG), but at the point of transparency there is one indicator that has not been fulfilled optimally, namely the absence of detailed financial reports on the internet network so that This means that the principle of transparency is not perfectly implemented, but this is fine because it is not required according to Law No. 23 of 2011 but only requires periodic reporting to the government, in this case Baznas and the Ministry of Religion
Co-Authors A Ifayani Haanurat A. Syatir Sofyan Abdul Khaliq Abdul Wahab Abdul Wahid Haddade Abdullah, Wahyuddin Abdurrahman Mansyur Achmad Musyahid Idrus Aditya Aditya Ahmad Busyairi Ahmad Busyairi, Ahmad Ahmad Efendi Ainun Awaliah Akramunnas Akramunnas Akramunnas Akramunnas, Akramunnas Aldi Nyawai Alisa, Nur Alisa Amalia Nur Rahman Amir, A. M. Nur Atma Amir, A. M. Nur Atma Amiruddin K Amirudin Andi Niken Ayu N.F Arsyad, Kamaruddin Asmira, Sri Asri Jaya Astriani Astuti Syam Ayu Ruqayyah Yunus Baso R Basri, Muh. Arfah Bawafie, Aniq Akhmad Ali Darmanita Darmanita Darmanita, Darmanita Dedi Mardianto Djafar Djafar Dwiatmaja, Ahmad Zikri Faiz Almath Fauziah Sulaiman Firda, Firda Chairani Salsa Fadiah Hafid, Eka Arlinda Hamza Khaeriyah Hiqmiatul Uzqa, Dhea Hutagaluh, Oskar Icha, Nur Hadisa Idris Parakkasi Ikram, Zul Ilham Ilham ilman nur, ilman nur Ilyas, Abustani Inayatul Munawwara Irwan Misbach Irwan Misbach Irwan Misbah Islahuddin Islah Islailia Umar Ita Rukmanasari Jamaluddin Majid Jamaluddin, Nurlaeli Karmila, Yusri Khaerul Aqbar Kholid Albar Kurniadi Lusiana Lutfi, Muhtar M. Dzul Fadli S. Mochammad Fadhil Abdullah Muammar Bakry Muchtar, Nur Aulia Husnihita Muh Ibnul Muhammad Akil Rahman Muhammad Fajar Ramadan Muhammad Nasri Katman Muhammad Samsunar Muhammad Wahyuddin Abdullah Mujahidin Mujahidin Mukhtar Lutfi Murtiadi Awaluddin Muslihati Muslimin Kara Mustamin Mu’min, Muh. Dian Nur Alim Nabila, Sri Nurul Nasrullah Bin Sapa Novianty, Devi Nur Adriana Nur Afiah, Nur Nur Azizah Nur, Ilman Nurfaidah Nurfiah Nurfiah Nurfyana Narmia Sari Nurhasnaini. H Nurjannah Nurjannah Nurjannah Nurul Pratiwi Prades Ariato Silondae Putri Fatimah Rabiana, Riska Rahman Ambo Masse Ramadan, Muhammad Fajar Ramdani Nur Randi, Randi Renaldi Hidayat Reni Reni Reni Reni, Reni Rian Haeruddin Rika Dwi Ayu Parmitasari Risnawati Risnawati Rosmawati Rostiani, Helda Rusydi, Bahrul Ulum Sabri Samin Safei, Zul Ikram Sahdiah Desriana Karim Saiful Muchlis Salmah Salmah Salmah Salmah Salsabila, Unik Hanifah Samsidar Sapira, Sapira Sari, Andi Enri Erna Siradjuddin Sirajuddin Sirajuddin Sirajuddin Sirajuddin Sitti Asiqah Usman Ali St Chairiani Fausiah St. Aisah Sudirman Sudirman Sugianto Sultan, Zulfadli Sumarlin, Abdul Sumarni S Syaharuddin Syamsurianto Syarifuddin Syarifuddin Syarifuddin Syarifuddin Tahir, Ibrahim Ako Taqiyuddin BN, Andi Muh. Taufik Hidayat Tompson, Muhammad Danial Trisno Wardy Putra Tuti Supatminingsih Wahidah R, Wardatul Wahyuddin, Wahyuddin Wahyudi, Iqmal Wahyuni Yusria Ningsih, Wahyuni Yusria