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All Journal Journal of Innovative and Creativity Jurnal Muria Pengabdian Masyarakat MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Iin Muyasarah
Institut Agama Islam Darussalam Martapura
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Analisis Kenaikan Tarif Pajak Penambahan Nilai (Ppn) 12% Pada Minat Beli Masyarakat Di Kota Banjarbaru Iin Muyasarah; Nur Habibah
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.2674

Abstract

The increase in the Value Added Tax (VAT) rate to 12% has caused concern among the public, especially the lower-middle-class population in Banjarbaru city. The increase in tax is seen as an additional economic burden for the people, as the tax was initially 11% and is now raised to 12%. Based on the public's concerns about the VAT increase, the government has provided information that the 12% VAT rate applies only to luxury goods and luxury services. With this regulation, it is hoped that the policy will be fair to all segments of society by imposing the new VAT rate only on luxury goods and services. This research uses a literatur review method, gathering data from published articles, news, and other supporting books. The results of this study show that the 12% VAT rate increase does not affect the public's purchasing interest, as the regulation applies only to luxury goods. However, a decrease in income has been observed in Banjarbaru city from 2022 to 2024. The 12% VAT policy, which began implementation in early 2025, based on updated economic growth data, has caused a decline of 10%. Inflation has not experienced a significant impact from the increase in VAT because of the regulation related to the 12% VAT rate.
Investasi Emas Sebagai Alternatif Instrumen Keuangan Jangka Panjang Di Kabupaten Banjar Nur Habibah; Iin Muyasarah; Sri Anafarhanah
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.2975

Abstract

This study aims to explore the perceptions, motivations, and practices of the Banjar Regency community regarding gold as an investment instrument. Using a qualitative approach through interviews with respondents from various backgrounds, it was found that the majority of the community views gold as a safe, stable, and easily liquidated asset. Gold investment is chosen because its value is resistant to inflation, can be inherited, and aligns with Islamic economic principles. The results of this study provide insight into how local traditions and socio-economic conditions shape Islamic investment patterns.
Digitalisasi Keuangan Syariah: Uang dan Bank Digital sebagai Alat Tukar Modern Yang Halal dan Inovatif Yulida Mardini; Iin Muyasarah; Hu’shila Awalia Riskiani; Muhammad Arie
Jurnal Muria Pengabdian Masyarakat Vol. 3 No. 1 (2026): Januari
Publisher : Universitas Muria Kudus

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

Abstract

Perkembangan Teknologi yang semakin tahun semakin meningkat, merambah kesegala bidang dan sektor termasuk dalam tansaksi keuangan digital. Tujuan pengabdian dapat memberikan wawasan pengetahuan dan menerapkan penggunaan transaksi digital secara syariah untuk memudahkan transaksi keuangan. Metode penelitian yaitu lapangan dengan memberikan sosialisasi materi Digitalisasi Keuangan Syariah: Uang Dan Bank Digital Sebagai Alat Tukar Modern Yang Halal Dan Inovatif. Kegitan dilaksanakan di MA Al-Irsyad Desa Sungai Tuan Kecamatan Astambul yang diikuti oleh 30 siswa kelas XII dan guru pendamping berjumlah 2 guru. Pelaksanaan pengabdian degan memberikan materi kemudian tanya jawab, diskusi serta evaluasi. Hasil pengabdian diketahui bahwa siswa kelas XII MA Al-Irsyad masih banyak yang belum tau transaksi keuangan digital dan pemanfaatannya dalam transaksi keuangan. Hanya berjumlah 10 siswa yang mengetahui dan mengunakan uang digital sebagai alat transaksi keuangan, sedangkan 15 lainnya hanya mengatahui tapi tidak pernah menggunakan transaksi digital dan 5 siswa lainnya bahkan tidak mengetahui dan menggunakan transaksi keuangan digital.
Pengaruh  Pengetahuan Muamalah terhadap Minat Menggunakan Jasa Perbankan Syariah pada Jamaah Majlis Taklim Riyadhul Jannah Iin Muyasarah; Yulida Mardini
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 2 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/mqecvz05

Abstract

The relationship between muamalah knowledge and the adoption of Islamic banking services is important for understanding the determinants of financial preferences within Muslim communities. This study analyzes the effect of muamalah knowledge on the intention to use Islamic banking services among members of Majlis Taklim Riyadhul Jannah. A quantitative field research approach was employed, involving the entire population of 56 members. Data were analyzed through validity and reliability tests, classical assumption testing, simple linear regression, coefficient of determination, and t-test. The findings demonstrate that muamalah knowledge has a positive and statistically significant effect on the intention to use Islamic banking services, as indicated by a significance value of <0.001, which is below the 0.05 threshold, and a t-value of 3.927 exceeding the critical value of 1.925. The coefficient of determination indicates that muamalah knowledge explains 22.2% of the variation in intention to use Islamic banking services, while the remaining 77.8% is attributable to other factors not included in the model. These findings highlight the importance of strengthening muamalah literacy as part of efforts to increase public awareness and engagement with Islamic banking services.
Co-Authors Hu’shila Awalia Riskiani Muhammad Arie Nur Habibah Nur Habibah Sri Anafarhanah, Sri Yulida Mardini