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All Journal Jurnal Pengabdian dan Pengembangan Masyarakat Indonesia Sharia Economic and Management Business Journal (SEMBJ) Jurnal Ekonomi Syariah
Surya Tegar Widjiantoro
Institut Agama Islam Imam Syafii Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Strategi Tim Penggerak Pemberdayaan dan Kesejahteraan Keluarga (TP-PKK) Dalam Mengatasi Literasi Digital Gender Gap Pada Ekosistem UMKM Perempuan di Pekanbaru: Driving Team of Empowerment and Family Welfare Strategies to Overcome the Digital Literacy Gender Gap in the Women's MSME Ecosystem in Pekanbaru Landes Yuanda; Bobby Ferly; Febri Kusuma; Surya Tegar Widjiantoro
Jurnal Pengabdian dan Pengembangan Masyarakat Indonesia Vol. 5 No. 1 (2026)
Publisher : Media Publikasi Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56303/jppmi.v5i1.1130

Abstract

Kesenjangan gender digital (digital gender gap) masih menjadi tantangan yang signifikan bagi perempuan pelaku UMKM dalam memanfaatkan teknologi untuk pengembangan usaha. Pengabdian ini bertujuan meningkatkan literasi teknologi perempuan di Pekanbaru melalui pendampingan berbasis Community-Based Research (CBR) dengan melibatkan beberapa instansi seperti TP-PKK sebagai agent of change yang berperan dalam mobilisasi, pendampingan komunitas, dan penguatan partisipasi perempuan, serta PLUT-KUMKM sebagai mitra penyedia layanan teknis, konsultasi usaha, dan pendampingan manajerial UMKM. Kegiatan dilaksanakan melalui delapan sesi pendampingan yang mencakup aspek peningkatan keterampilan digital (pemasaran media sosial, pengembangan IT, pembukuan digital, pembuatan katalog website) dan aspek tata kelola usaha (legalitas/kerja sama, SDM, kemasan produk). Selain itu, program ini berhasil memfasilitasi perbaikan kemasan produk dan pengurusan sertifikasi halal serta P-IRT. Meskipun menghadapi kendala rendahnya literasi digital awal, pendekatan melalui coaching clinic dan modul praktis terbukti efektif. Program ini mengukuhkan peran TP-PKK sebagai agen perubahan dalam memperkecil jurang digital dan memperkuat kapasitas ekonomi perempuan dalam ekosistem UMKM
ANALISIS FAKTOR PENURUNAN PENYALURAN PEMBIAYAAN FINTECH SYARIAH DI INDONESIA TAHUN 2025 Muhammad Fauzan; Surya Tegar Widjiantoro
Al-Hasyimiyah: Jurnal Ekonomi Syariah Vol 4 No 02 (2025): Desember
Publisher : STAI Sulthan Syarif Hasyim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64524/ah.v4i02.167

Abstract

This study focuses on the notable decline in Islamic fintech financing in 2025, a development that becomes more striking when viewed alongside the simultaneous increase in the industry’s total assets. Official data from OJK indicate a sharp contraction, with financing dropping from Rp 1.58 trillion in 2024 to Rp 800 billion in 2025, suggesting deeper structural issues within the Islamic fintech ecosystem. Using a qualitative approach through a literature review, this research explores how rising credit risk—as reflected in the increase of TWP90—diminishing digital trust due to information uncertainty, weakening purchasing power, and stricter regulatory requirements collectively shaped lenders’ decisions to reduce funding supply. The synthesis of findings reveals that credit risk and digital trust play the most decisive roles in constraining financing flows, particularly in sharia-based platforms that rely heavily on transparency and contractual clarity. These results reinforce the relevance of the Crisis–Trust Model of Islamic Fintech in explaining shifts in funding behavior and highlight the need for stronger governance, improved digital transparency, and more adaptive regulatory policies to restore stability and resilience in the Islamic fintech industry.
Digital Transformation in the Halal Industry Ecosystem: A Study of Halal MSMEs in Pekanbaru City Delima Afriyanti; Surya Tegar Widjiantoro; Landes Yuanda; Nurlaili Janati
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 3 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i3.2658

Abstract

Background: Digital transformation is a critical factor in the development of halal micro, small, and medium enterprises (MSMEs) in the digital economy era, as it can improve business efficiency, expand market access, and strengthen the halal industry ecosystem. However, its implementation still faces various obstacles, such as low digital literacy, limited human resources, and suboptimal technology utilization. This study aims to analyze the implementation of digital transformation among halal MSMEs in Pekanbaru City, identify the supporting and inhibiting factors, and examine its contribution to strengthening the halal industry ecosystem. Method: This study employs a qualitative approach with a case study design involving six halal MSMEs in Pekanbaru City selected through purposive sampling. Data were collected through in-depth interviews, observation, and documentation, then analyzed using the interactive model of Miles, Huberman, and Saldaña, with data validity tested through source triangulation, method triangulation, and member checking. Results: The results show that digital transformation has been implemented through the use of social media, marketplaces, digital payment systems (QRIS), and communication applications to support business activities. This implementation has generated positive impacts, including expanded market reach, improved transaction efficiency, easier communication with consumers, and increased transparency of halal product information. Factors driving digital transformation include changes in consumer behavior, the development of digital technology, and training support. Meanwhile, the main obstacles encountered are low digital literacy, limited human resources, and suboptimal utilization of technology in business management. Conclusion: Digital transformation contributes to strengthening the halal industry ecosystem by expanding market access, improving business efficiency, and reinforcing consumer trust in halal products. Therefore, optimizing digital transformation is an important factor in enhancing the competitiveness of halal MSMEs and supporting the sustainable development of the halal industry.
Co-Authors Bobby Ferly Delima Afriyanti Febri Kusuma Landes Yuanda Muhammad Fauzan Nurlaili Janati