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All Journal EKOMABIS: Jurnal Ekonomi Manajemen Bisnis Jurnal Ekonomi Syariah Pelita Bangsa Jurnal Hukum Ekonomi Syariah : AICONOMIA Jurnal Pelita Pengabdian Jurnal Pelita Ilmu Ekonomi Syariah (JPIES) Jurnal Pengabdian Pelita Insani (JPPI) Jurnal Pengabdian Pelita Insani (JPPI)
Enur Hotimah
Sekolah Tinggi Ekonomi dan Bisnis Islam Yayasan Pelita Ilmu Insani
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Astronomy Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Pengaruh Fintech Syariah Terhadap Inklusi Keuangan UMKM Melalui Platform Digital Microfinance Deni Riani; Enur Hotimah
Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 5 No. 1 (2026): Jurnal Hukum Ekonomi Syariah : aiconomia 2026
Publisher : Fakultas Syariah IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/acm.v5i1.7529

Abstract

This study aims to examine the effect of Islamic fintech on MSME financial inclusion through the mediating role of the platform digital microfinance. A quantitative explanatory cross-sectional survey involved 120 MSME owners or managers in Trenggalek Regency selected through purposive sampling. Data were collected using a five-point Likert-scale questionnaire and analyzed with Partial Least Squares Structural Equation Modeling using SmartPLS. Islamic fintech had a positive and significant effect on MSME financial inclusion (β = 0.318; p = 0.001) and platform digital microfinance utilization (β = 0.734; p < 0.001). Platform utilization also positively affected financial inclusion (β = 0.547; p < 0.001) and significantly mediated the relationship between Islamic fintech and financial inclusion (indirect effect β = 0.401; p < 0.001), indicating partial mediation. The findings show that ease of use, security, contractual transparency, trust, and Sharia compliance can broaden MSMEs’ access to formal financial services. Regulators and financial service providers should strengthen digital infrastructure, financial literacy, data security, simplified financing procedures, and Sharia compliance supervision to support inclusive and sustainable financial services.
Implementasi Aplikasi Manajemen Laundry Berbasis Mobile untuk Meningkatkan Efisiensi Operasional UMKM yogi yulianto; Aji Anggono; Muhammad Axcel Rayya Sulantika Putra; Enur Hotimah; Anggi Muhammad Rifai
Jurnal Pelita Pengabdian Vol. 4 No. 2 (2026): Juli 2026
Publisher : DPPM Universitas Pelita Bangsa

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Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) di sektor laundry umumnya masih mengandalkan pencatatan manual yang seringkali rentan terhadap kesalahan, kehilangan data, dan tidak efisien secara operasional. Penelitian ini bertujuan untuk mengimplementasikan dan mengevaluasi aplikasi manajemen laundry berbasis mobile pada Laundry Eka PGRI, Kota Depok, menggunakan React Native (Expo) sebagai frontend dan Supabase sebagai platform backend. Metode yang digunakan meliputi analisis kebutuhan, perancangan sistem, pengembangan, pengujian (Black Box Testing dan User Acceptance Testing), pelatihan, serta pendampingan pasca-implementasi. Hasil penelitian menunjukkan bahwa aplikasi berhasil mengintegrasikan fitur dashboard, manajemen produk/layanan, manajemen pelanggan, transaksi POS, pengeluaran, dan riwayat transaksi. Seluruh transaksi harian beralih ke sistem digital, data pelanggan tersimpan secara terpusat, dan laporan keuangan dapat diakses kapan saja. Implementasi ini tidak menimbulkan biaya operasional tambahan karena memanfaatkan infrastruktur free tier. Kesimpulannya, aplikasi mobile berbasis React Native dan Supabase terbukti efektif meningkatkan efisiensi operasional UMKM laundry dan dapat dijadikan model replikasi bagi UMKM sejenis
Co-Authors A. Suhandi Abda Abda Ahmad Hanafi Aji Anggono Alan Riswanto Anggi Muhammad Rifai Ari MH Ari Mulyono Hadi Asih Sugiyanti Baehaqi Bayu Umara Bustam Bustam Dede NI Dede Nur Iskandar Deni Riani Eka Maulana Erfan Muhammad Ergo Nur patria Kurniawan Ergo Nurpatria Kurniawan Fitri Ahmad Kurniawan Iin Masriah Iqbal Varian Sembada Joni Heruwanta Muhammad Axcel Rayya Sulantika Putra Novi Yulianti Nur Iskandar, Dede Rahadian SA Saphira VJ Suhrowardi Surya Bintarti Vanya Agustalita Wiranta Yogi Yulianto