Publication Search

This study examines the payment practices for haircut services at the Ma’had Al-Zaytun Barbershop through the lens of al-maslahah theory. Employing a qualitative field‐research design, data were collected via observation, in-depth interviews, and documentation analysis. Findings reveal a centralized payment system handled at the Al-Zaytun Store, accommodating both cash and cashless transactions. Cashless payments are processed by deducting students’ savings or via mobile banking for the general clientele. Classified as ḥājiyyah maslahah, this system facilitates financial record-keeping and offers flexible payment options. It also attains the ḍarūriyyah level by preventing losses and safeguarding the barbershop’s assets. The provision of receipts and precise financial reporting embodies the principles of justice, clarity, honesty, and social welfare. Nevertheless, the absence of a written policy on receipt validity may generate misunderstandings and weaken these principles. Overall, the payment practice aligns with the objectives of maqāṣid al-sharīʿah, particularly the protection of wealth (ḥifẓ al-māl).

The purpose of this study is to analyze how the implementation of the mudharabah contract in mudharabah savings products at BPRS HIK Parahyangan. This study uses a qualitative approach with data collection techniques in the form of in-depth interviews with the bank and direct observation of the operational process, as well as documentation of relevant secondary data. The main focus of the study is to examine the implementation of the principles of mudharabah and the profit sharing system applied in the savings product. The results of the study indicate that BPRS HIK Parahyangan has implemented the mudharabah contract in accordance with sharia principles. The bank acts as mudharib (fund manager), while the customer acts as shahibul maal (fund owner). The profit sharing system is determined based on an initial agreement and is distributed transparently based on the actual income obtained from fund management. This study is expected to improve the understanding and practitioners of sharia banking regarding the implementation of the mudharabah contract in banking products. In addition, the results of this study also contribute to the development of sharia financial literature and practices in Indonesia.

Descriptive research involving 75 Gen Z on Gen Z's concerns about their parents' economic and financial conditions in retirement concluded that 86.7 percent of Gen Z were worried about their parents' economic and financial conditions in retirement, while 13.3 percent of Gen Z were not worried. As many as 66.7 percent of Gen Z were not sure that their parents would be financially free in old age, while 33.3 percent of Gen Z were sure that their parents would be prosperous in retirement. The implication is that if Gen Z is already working and is forced to help their parents' economy, then 53.3 percent of Gen Z are willing to help their parents' retirement by 10% of their salary. This means that 1 in 2 Gen Z are only willing to set aside 10% of their salary to help their parents in retirement. As a solution to Gen Z's concerns about their parents' economic conditions during retirement, ways to overcome this include: 1) the need to have sufficient retirement savings, 2) maintaining health so that it does not decline during retirement, 3) avoiding a consumptive lifestyle, 4) not depending on their children, and 5) avoiding the occurrence of a sandwich generation.

With a focus on Nigeria specifically, this study examined the country's external debt and economic growth from 1985 to 2014. The underdevelopment of Nigeria is one of the study's main issues economy. Measuring how external debt affects the country's growth is one of the study's goals. According to the theoretical perspective, external debt is a tool of fiscal policy that closes the savings gap. The ex-post facto method of design was the research design employed in this study. With GDP as the dependent variable and multilateral debt, Paris Club debt, London Club debt, promissory notes, and other debt as the independent variables, the findings were analyzed using the ordinary least square multiple regression analytical approach. The hypotheses were tested using the Pearson correlation and the student T-test. All types of external indebtedness contributed to the GDP's development, according to the data analysis, the Pearson While the dependent variable had a direct link with the other independent variables, GDP had an inverse association with Paris Club debt and promissory notes, as described by correlation. In order to reject the null hypotheses and accept the alternative hypotheses, the tested hypotheses showed that each independent variable had a positive influence and was significant to the effect of the dependent variable. According to the study's findings, Nigeria's economic growth is significantly impacted by external debt, and as a result, better management of these borrowings is advised in order to achieve sustainable growth.

This research aims to analyze the gold investment mechanism through gold savings products at PT. Sharia Pawnshop Cab AR. Medan Judge and To determine the suitability of the gold investment mechanism through gold savings products, the mechanism is in accordance with MUI Fatwa No. 77/DSN-MUI/V/2010 or not.This research uses descriptive qualitative methods, with data collection techniques through in-depth interviews with employees and Nadabah PT. Sharia Pawnshop Cab AR. Medan Judge as well as observations, documentation and literature studies. The research results show that the gold investment mechanism in gold savings products has been running well, providing easy access for customers, and is assessed in accordance with sharia principles, namely DSN-MUI Fatwa No.77/V/2010 with a combination of wadiah (deposit) and murabahah (sale) contracts. buy) which provides flexibility and certainty for customers in managing gold savings. However, in the mechanism, various challenges arise. Such as customer understanding of the benefits and mechanisms as well as compliance with sharia principles (National Sharia Council Fatwa). The benefit of this research is to provide clear information to customers (the public) regarding the benefits and mechanisms of investing in gold through gold savings, so that it can serve as a guide in making investment decisions. Apart from that, the results of this research can be input for PT. Pegadaian Syariah always provides outreach and education to customers regarding the benefits and mechanisms as well as compliance with sharia. For the University, it can provide useful input and provide references in the field of sharia investment, especially regarding gold savings. This research concludes that gold investment through gold savings products at PT. Sharia pawnshops are a safe and sharia-compliant investment alternative, and have the potential to increase financial inclusion in Indonesia

Currently, people are beginning to realize that housewives actually have a role in moving the wheels of the economy and are able to achieve financial prosperity. This study uses an explanatory approach. The population in this study is female MSME actors in Bantul Regency under the guidance of related agencies. The sample in this study is 99 samples. Hypothesis testing is carried out in two stages. The first stage is testing the instrument by testing its validity and reliability. The next stage is hypothesis testing. then Mediation Test. The analysis tool using Smart PLS. shows that Income intention plays a role in influencing Financial Well-Being with a P-Value of 0.002. In addition, Income intention affects Household Behavior with a P-Value of 0.001. Household Behavior has an effect on Financial Well-Being with a P-Value of 0.000. and the mediation test showed that household behavior was able to mediate the relationship between the ability of Income intention in achieving Financial Well-Being. In addition, if a person's Income intention is balanced with the ability to control household behavior in controlling finances and saving, it will have a good impact on Financial Well-Being.

This study aims to determine the application of marketing strategies to the number of savings at PT. Bank Sumut Syariah Sub-Branch Office Marelan Raya, knowing the SWOT analysis in the application of marketing strategies to the number of savings, and knowing opportunities and challenges to the amount of savings at PT. Bank Sumut Sharia Sub-Branch Office of Marelanfood. Research is a qualitative type of research, the method of this research arises because there is a change in paradigm in viewing a reality or phenomenon. The data collection techniques use observation, interviews, and documentation. For data analysis techniques use data collection, data reduction, data presentation, and conclusion drawings, while triangulation is triangulation of sources, techniques, and time. The results of this study indicate that the marketing strategy of savings products in increasing the number of savings at PT. Bank Sumut Syariah KCP Marelan Raya is done with a 7P marketing mix, namely Product (product) Place (place), Price (price), Promotion (promotion), People (people), process (process), and physical evidence (physical evidence The challenge of marketing strategies is the lack of knowledge from the public about what products are offered at PT. Bank Sumut Sharia Parield Assistant Branch Office and its opportunities namely PT. Bank Sumut Syariah KCP Marelan Raya further increases socialization so that the public knows the product of PT. Bank Sumut Sharia Sub-Branch Office of Marelanfood.

This research aims to determine and analyze the influence of marketing communications and trust on people's interest in using smart Ib savings at Bank Sumut Syariah Kcp Marelan Raya. The research methodology used is quantitative research using a sampling technique using a saturated sample with a total of 100 respondents. The data collection technique uses a questionnaire processed using SPSS version 26 for Windows. Data analysis uses multiple linear regression. Based on partial research results, the marketing communication variable has a positive and significant effect on people's interest in using Smart Ib savings with a calculated t value of 20,037 > 1.984 and a significant value of 0.000 < 0.05, and trust does not have a positive and significant effect on people's interest in using Smart Ib savings with a value of t count is 0.643 < 1.984 and the significant value is 0.522 > 0.05. And simultaneously it shows that the marketing communication and trust variables have a significant and positive effect on people's interest in using Smart Ib savings with a calculated f value of 205,431 > f table 2.70 and a significant value of 0.000 < 0.05

Sharia cooperatives are Sharia-based economic institutions that play a strategic role in empowering the economy of the Muslim community. By adhering to principles such as the prohibition of riba (usury), gharar (uncertainty), and maysir (gambling), as well as implementing profit-sharing systems (mudharabah or musharakah), Sharia cooperatives provide a fair, transparent, and inclusive alternative to support economic activities in society. These cooperatives aim not only to achieve financial gains but also to fulfill social missions, such as poverty alleviation, equitable welfare distribution, and holistic improvement of the community’s quality of life. Various products and services offered—such as Sharia savings, halal financing, and Sharia-compliant investments—provide financial solutions that align with Islamic values and meet societal needs. Nevertheless, the implementation of Sharia cooperatives faces several challenges, including limited public understanding, competition with conventional financial institutions, and constraints in human resources and capital. Through public education, capacity building for cooperative managers, and comprehensive government policy support, Sharia cooperatives hold great potential to become a key instrument in fostering a more just, equitable, and sustainable economy. This study emphasizes the importance of integrating Sharia values into cooperative management to ensure its contribution to the sustained welfare of the community.

The interest rate in the Iraqi economy represents an active and important element in the management of monetary policy in the Iraqi economy, as it is used by the monetary authority represented by the Central Bank of Iraq to influence the money supply, as well as the impact of this also by allocating the available resources for savings among foreign investments to achieve the central goal of the monetary authority of achieving stability in prices such as the interest rate and various prices and values of investments together and thus achieve balance at the economic and financial levels. This research analyzes the relationship between interest rate changes (IRC) and foreign direct investment (FDI) in the Iraqi economy during the period from (2004-2023). Multiple analytical tools were used, including descriptive statistics, correlation analysis, time series analysis, and prediction models using ARIMA and Prophet. The results showed an association between the two variables under consideration, with the ability of the ARIMA and Prophet models to provide accurate forecasts of future   FDI trends. A quantitative methodology that includes descriptive statistics, correlation analysis, time series models, and forecasting tools has been adopted to clarify the relationship between the two variables and draw conclusions that support economic decision-making.

This article discusses the ability of Accounting students of Medan State Polytechnic in managing personal finances which include five main aspects: spending money according to needs, paying obligations on time, planning finances for the future, saving, and setting aside money for personal and family needs. Most students show good ability in financial management, although some still face challenges, such as difficulty saving and managing expenses. This study uses a survey method with a quantitative approach. The results of the study show that the majority of students are in the good to very good category in financial management. This finding reveals that although some students have large pocket money, their financial management behavior is not yet completely ideal, so it requires more awareness in acting financially. The influence of family, environment, and education plays an important role in shaping students' financial habits, where parents are the main factors.  

Gold savings is a type of savings in the form of gold measured in grams, which can increase or decrease over time. The balance of gold savings can be exchanged for gold bars based on the number of gold grams in the account, such as 1 gram, 2 grams, or multiples thereof. The purpose of this gold savings socialization is to provide in-depth knowledge and understanding to housewives about the benefits of gold savings as an investment tool. The service partner consists of 20 housewives from RT 08 RW 15, Meteseh Village, Semarang City. The community service method includes preparation, implementation, evaluation, and reporting. The preparation phase involved gathering information, determining the theme, and organizing the material for the activity. The implementation of PKM involved providing education through lectures, Q&A sessions, discussions, and simulations on gold savings knowledge. The evaluation phase consisted of administering pre-test and post-test questionnaires and preparing a final report. The results of the Community Service implementation, based on the evaluation of pre-test and post-test for the housewives of RT 08 RW 15, showed an improvement in knowledge and understanding of gold savings, from 36.25% in the pre-test to 66.75% in the post-test.

In the implementation of the manufacture of BioSolar or BioDiesel fuel, the government uses a hybrid concept which is by mixing diesel from petroleum with Crude Palm Oil (CPO), this policy is useful in saving the country's foreign exchange where the government reduces the amount of petroleum imports and replaces it with CPO from within the country. Because Indonesia is one of the largest CPO producing countries in the world, through this policy the government can make better use of Indonesia's natural resources. This study uses a qualitative research method with a descriptive approach where researchers observe a phenomenon of increasing levels of palm oil (CPO) in current diesel fuel, namely from B30 to B35.

This research investigates the resilience of coastal communities in Desa Sukamulya, Kecamatan Paku Haji, in responding to the impacts of climate change. Using a quantitative approach with a survey method, data were collected from 40 respondents, including fishermen and coastal business actors. Findings reveal significant challenges faced by these communities, such as extreme weather, shifting fishing seasons, and declining fish catches, which negatively affect their economic sustainability. While awareness of climate change exists, gaps remain between understanding and actual adaptation efforts due to limited resources and inadequate infrastructure. The high dependency on fishing as a primary income source increases vulnerability, compounded by low savings, limited job diversification, and weak participation in social and cooperative networks. This study recommends enhancing livelihood diversification, improving coastal infrastructure, strengthening community organizations, providing climate education, and rehabilitating coastal ecosystems like mangroves and coral reefs. These strategies aim to bolster the resilience of coastal communities, ensuring better adaptation to climate change and the sustainability of their livelihoods.

There are two issues studied in this thesis, namely: the management of Village Unit Cooperatives in improving the welfare of members in Lubuk Mandarsah Village, Tebo Regency and the management of Village Unit Cooperatives from a sharia economic perspective. The aim of this research is to determine the management of Village Unit Cooperatives in improving the welfare of members in Lubuk Mandarsah Village, Tebo Regency and to determine the management of Village Unit Cooperatives from a sharia economic perspective. To reveal this problem in depth and comprehensively, researchers used a qualitative approach by collecting data using observation, interviews and documentation. The data analysis technique used is field analysis using an interactive model including data reduction, data display, data verification. From the research results, it can be concluded that: In the management of the Village Unit Cooperative in Lubuk Mandarsah Village, Tebo Regency, 4 (four) cooperative management functions are implemented, namely: planning, organizing, acting, and monitoring. controlling). There are business units such as supermarkets, convenience stores, savings and loans, agricultural production facilities, and the provision of fertilizer which are solutions for the community according to their individual interests. In the management of the Village Unit Cooperative in Lubuk Mandarsah Village, according to an Islamic economic perspective, namely using the principle of shura' (deliberation) in every decision making, and also using the principle of ta'awun (mutual assistance) in the Village Unit Cooperative which has been implemented but equated with the principle of mutual cooperation.

Education on the Concept of Waste Bank, Green Economy, and Circulating Money to the Community is carried out in order to understand how its application becomes a household income opportunity, for example by becoming a new source of income from saving household waste that has been applied so that it is able to read the economic and environmental problems that occur. How the impact of the Waste Bank on income from household waste. Which is related to improving household welfare through community knowledge / understanding related to Waste Bank, Green Economy, and Circulating Money. From this community service, the results show that with the existence of the Waste Bank, the application of the Green Economy concept can be seen from the collection of household waste easily collected at the Waste Bank, the community becomes a customer, has savings, withdraws money, then continues consumption shopping from the money, which means there is buying and selling activity in the market because there is money circulating in the community. This affects economic activity in the Medan Belawan sub-district.

This research aims to determine the effect of Working Capital on Remaining Business Results . The data for this research is data in the form of financial reports from 2016 - 2021 obtained from the CU Bahtera Sejahtera Savings and Loans Cooperative. The research method used is a quantitative descriptive method. The data collection techniques used were interviews and documentation while the analysis used was the Normality Test, Simple Linear Regression analysis, Hypothesis Testing (t test) and analysis of the coefficient of determination. The tool used is SPSS V.20 For Windows. The statistical results of the t test show that the working capital variable has no effect on the remaining business results variable. Thus, the results of this research reject that Working Capital has an influence on the Remaining Business Results of the CU Bhatera Sejahtera Savings and Loans Cooperative. The working capital owned by the cooperative is quite large, but the amount of working capital is not necessarily able to increase the remaining business results. 1.2%. This shows that the remaining business results can be explained by working capital of 1.2%, while the remaining 98.8% is influenced by other factors not analyzed in this research.

Companies often face various obstacles related to managing raw material inventory to meet demand, one of which is Peuyeum Ketan Istimewa. Working in the food processing industry, of course, raw material inventory management needs to be planned optimally to avoid various risks that can harm the company. The Quantity Discount model is used to take advantage of cost savings provided by suppliers when purchases are made in large quantities, while other efforts that can help manage raw materials in a company are by knowing the safety stock and reorder point of raw materials and also forecasting demand to predict future demand. This study will use the Quantity Discount model which optimizes inventory levels by considering storage costs, ordering costs, and quantity discounts. The calculations carried out are also to find the value of the company's Safety Stock and Reorder Point. The results of this study indicate that the use of the Quantity Discount method can reduce total costs by Rp26,319,267/year, while forecasting using the seasonality method increases the accuracy of demand predictions, thus enabling more efficient inventory management. The implementation of this model is expected to provide a significant contribution to operational efficiency and cost reduction at Peuyeum Ketan Istimewa

This research aims to examine the effect of synergy between the application of digital technology and entrepreneurial orientation on the performance of coffee shop MSMEs in Bojonegoro. The results of the analysis show that the combination of these two variables significantly improves business performance, exceeding the individual impact of each variable. These findings underline the importance of a holistic approach in developing MSMEs in the digital era, which combines technological innovation with. entrepreneurial spirit. The use of technology such as online ordering applications, inventory systems and data analysis allows MSME coffee shops to operate more efficiently, saving time and costs, as well as reducing errors. This research provides important implications for the government and relevant stakeholders to design policies that support the adoption of digital technology by MSMEs such as technology service providers, business consultants and the entrepreneurial community can accelerate the digital transformation process. as well as a more targeted entrepreneurial capacity development program.This research aims to examine the effect of synergy between the application of digital technology and entrepreneurial orientation on the performance of coffee shop MSMEs in Bojonegoro. The results of the analysis show that the combination of these two variables significantly improves business performance, exceeding the individual impact of each variable. These findings underline the importance of a holistic approach in developing MSMEs in the digital era, which combines technological innovation with. entrepreneurial spirit. The use of technology such as online ordering applications, inventory systems and data analysis allows MSME coffee shops to operate more efficiently, saving time and costs, as well as reducing errors. This research provides important implications for the government and relevant stakeholders to design policies that support the adoption of digital technology by MSMEs such as technology service providers, business consultants and the entrepreneurial community can accelerate the digital transformation process. as well as a more targeted entrepreneurial capacity development program.

Textile industries in Bangladesh are shifting towards a sustainable future, and as a result, many firms are implementing Green Supply chain Management (GSCM). This study aims to evaluate if practicing GSCM in different areas of industry positively impacts environmental, economic, and social performance. Regarding this issue, this paper observes the scopes, drivers, and barriers of practicing GSCM and reviews it. Therefore, the research investigates, through empirical analysis based on responses from 104 textile firms, the influence of GSCM practices on environmental, economic, and social performance. Results confirm that GSCM improves environmental sustainability by reducing emissions, waste, and resource use. It enhances economic performance through cost savings and efficiency gains and also offers several social advantages, improved worker satisfaction, and community engagement. The results bring to light the potential role that GSCM can play in making the textile industry sustainable, along with suggesting policy interventions and further research on longitudinal impacts and advanced technological integration.