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All Journal Organum: Jurnal Saintifik Manajemen dan Akuntansi Jurnal GeoEkonomi El-Barka: Journal of Islamic Economics and Business Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Jurnal Pengabdian Masyarakat Asia Community Empowerment International Journal of Humanities Education and Social Sciences e_Jurnal Ilmiah Riset Akuntansi Pena Dimas IIJSE PENG: Jurnal Ekonomi dan Manajemen International Journal of Economics, Business and Innovation Research Asian Journal of Management, Entrepreneurship and Social Science Dinamis: Jurnal Pengabdian Kepada Masyarakat
Hidayati, Irma
Universitas Islam Malang
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Enhancing Payment Security For SMEs In Global Trade Trough Letter Of Credit: A Case Study Of Chip Producer In Batu Hidayati, Irma; Sudarmiatin Sudarmiatin
International Journal of Economics, Business and Innovation Research Vol. 3 No. 06 (2024): International Journal of Economics, Business and Innovation Research (IJEBIR)
Publisher : Cita konsultindo

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Abstract

Small and medium-sized enterprises (SMEs) play a pivotal role in global trade, but they face significant challenges, particularly in managing payment risks. This study investigates the role of Letters of Credit (LCs) in enhancing payment security and financial stability for SMEs in international trade, using a case study of PT. ATN, an SME located in Batu Malang, Indonesia. The research aims to explore how LCs mitigate payment risks, improve operational stability, and facilitate participation in global markets. A qualitative research methodology was employed, utilizing semi-structured interviews and documentary analysis. Data were analyzed thematically to identify key challenges, benefits, and the broader implications of LC utilization. The study also examined the operational processes involved in LC issuance, including the critical role of banks as intermediaries. The findings reveal that LCs significantly reduce payment uncertainties and enhance cash flow stability for SMEs. By ensuring payment through third-party bank guarantees, LCs provide a financial safety net that enables SMEs to focus on market expansion and productivity improvements. However, challenges such as stringent documentation requirements and complex procedures hinder their wider adoption. Institutional support, including trade fairs and export facilitation programs, was identified as critical in connecting SMEs with international buyers and supporting LC usage. This study contributes to the existing literature by providing empirical insights into the practical applications and challenges of LCs in emerging markets. It underscores the need for targeted training and the integration of digital technologies to streamline LC processes. These findings have important implications for policymakers and financial institutions seeking to empower SMEs in the global trade landscape
Penyusunan Laporan Keuangan dan SPT Tahunan Wajib Pajak UMKM Nandiroh, Umi; Hidayati, Irma; Badria, Nuril
Dinamis: Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 2 (2022): Desember 2022
Publisher : Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/dinamis.v2i2.5852

Abstract

The low tax compliance of MSMEs is due to tax policies that are too burdensome for them. Tax regulations are burdensome for MSMEs, thus affecting the growth of this sector. Facts on the ground show that MSME actors often feel bothered by the applicable tax provisions. Starting from the complexity of tax administration, which must be passed in carrying out tax obligations. Plus the low competence of SMEs in preparing financial reports, as a basis for calculating taxes, and attachments in reporting Annual Tax Returns (Annual SPT). This is the reason behind the existence of this service activity. The aim is to conduct socialization, training, and assistance to MSME actors in compiling financial reports and reporting Annual SPTs. Where this service is carried out in the MSME community in the Blimbing sub-district, Malang City. This activity lasts for 3 months, from January to March 2022. The stages carried out are in the form of socialization, training in the preparation of MSME financial reports, and SPT Reporting Assistance. This service activity has succeeded in increasing MSME tax compliance. And MSMEs who are participants in this activity feel very helpful, in compiling financial reports, as controls in financial management, and reporting SPT.
Pendampingan Pembuatan Nomor Induk Berusaha (NIB) melalui OSS Berbasis Risiko Hidayati, Irma; Anggraeni, Vinna; Susanti, Ardila Kurnia Heru; Salsabila, Risqi Firda; Aulla, Novi’atul
Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Vol. 3 No. 3 (2022)
Publisher : Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jp2m.v3i3.19322

Abstract

Tujuan pelaksanaan pengabdian bagi masyarakat untuk memberikan pemahaman pentingnya Nomor Induk Berusaha (NIB) dan keuntungan yang ditawarkan jika pelaku usaha memilikinya serta membantu cara mendapatkannya. Proses pengajuan NIB dapat dilakukan secara online melalui akses pada situs OSS-RBA (Online Single Submission Risk Based Approach) atau OSS Berbasis Risiko. Kegiatan dilaksanakan di lingkungan RW 03 Kelurahan Kedungkandang Kecamatan Kedungkandang Kota Malang. Kegiatan pengabdian diawali dengan sosialisasi untuk menjelaskan secara singkat NIB dan menjaring pelaku usaha yang belum memiliki NIB. Tahap selanjutnya adalah penyuluhan tentang penting serta manfaat yang akan diterima bagi pelaku usaha jika memiliki NIB. Tahap terakhir adalah pendampingan pelaku usaha mendapatkan NIB. Seluruh peserta yang mengikuti tahapan penyuluhan dan pendampingan tergolong pelaku usaha mikro dengan tingkat risiko rendah. Hasil dari pengabdian ini adalah pelaku usaha lebih teredukasi dan paham penting serta manfaat yang akan diterima dengan memiliki NIB untuk keberlangsungan usahanya. Sebanyak 63,63% dari jumlah peserta yang merupakan telah berhasil menerbitkan NIB baru. Dengan memiliki NIB, pelaku usaha bisa mendapatkan legalitas usaha, sertifikasi Bina UMK SNI dan Sertifikasi Jaminan Produk Halal.
Penerapan digitalisasi guna meningkatkan pemasaran UMKM shuttlecock Hidayati, Irma; Fadhil, Muhammad Al
Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Vol. 4 No. 4 (2023)
Publisher : Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jp2m.v4i4.20763

Abstract

Pemasaran digital merupakan salah satu strategi pemasaran yang efektif untuk meningkatkan jangkauan pemasaran dan penjualan. Hal ini dikarenakan digital marketing dapat menjangkau konsumen secara lebih luas dan efisien. Dalam rangka meningkatkan pemahaman pelaku usaha shuttlecock tentang pentingnya digital marketing, mahasiswa KSM Tematik Unisma di Desa Gunungrejo, Singosari, melakukan pelatihan digital marketing. Pelatihan ini bertujuan untuk memperkenalkan platform Shopee dan Facebook sebagai sarana pemasaran online sebagai solusi permasalahan mitra dengan menggunakan media sosial untuk pemasaran. Pelatihan dilaksanakan selama dua hari dengan metode perencanaan, pelaksanaan, dan evaluasi. Hasil pelatihan menunjukkan bahwa pelaku usaha shuttlecock memiliki pemahaman yang lebih baik tentang pentingnya digital marketing untuk meningkatkan pemasaran.
Tingkatkan pengunjung objek wisata kedok ombo melalui revitalisasi dan promosi Hidayati, Irma; Septira, Nina; Nabilah, Tsamarah; Sabila, Diza
Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Vol. 4 No. 3 (2023)
Publisher : Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jp2m.v4i3.20764

Abstract

Wisata Kedok Ombo adalah tempat wisata yang terletak di Dusun Kreweh Desa Gunungrejo Kecamatan Singosari Kabupaten Malang. Obyek wisata ini memiliki potensi yang besar karena lokasinya yang setrategis dan suasana serta kondisi alam yang indah, namun obyek wisata ini sepi pengunjung dikarenakan kondisi yang kurang tertata serta kurangnya promosi. KSM Tematik Unisma melakukan pengabdian masyarakat dengan melakukan revitalisasi dan promosi obyek wisata Kedok Ombo. Revitalisasi dilakukan bertujuan memaksimalkan fasilitas pendukung serta pembersihan area yang kami rasa bisa lebih dioptimalkan. Melakukan promosi melalui media sosial seperti tiktok dan youtube menjadi strategi penting dalam memajukan tempat-tempat wisata untuk dikenal secara luas. Penambahan plang penunjuk arah ke obyek wisata Kedok Ombo juga dapat memudahkan pengunjung menuju ke lokasi.
Assistance for Micro Entrepreneurs to Obtain Halal Certification from SEHATI 2022 Hidayati, Irma
Jurnal Pengabdian Masyarakat Vol. 5 No. 2 (2024): Jurnal Pengabdian Masyarakat
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpm.v5i2.1758

Abstract

Purpose: This research examines the challenges faced by MSMEs in Indonesia when obtaining halal certification through the SEHATI 2022 program. It focuses on obstacles like the complexity of procedures and lack of awareness about the program and SIHALAL system, impacting micro-businesses' ability to secure halal certification.Method: The study uses qualitative methods, including interviews with halal facilitators and MSMEs, and document analysis related to the SEHATI 2022 program. Thematic analysis was applied to identify challenges in understanding and using the SIHALAL system.Practical Applications: The findings highlight ways to simplify the halal certification process for MSMEs, emphasizing the need to increase awareness and improve the role of halal facilitators. This can help more businesses benefit from SEHATI 2022 and enhance market opportunities for halal-certified products.Conclusion: While SEHATI 2022 offers financial support, complex procedures and low awareness hinder MSMEs. Strengthening facilitation and simplifying the SIHALAL system are crucial for improving halal certification access for micro-entrepreneurs.
Digital Bookkeeping for MSMEs: A Review and SWOT Analysis Hidayati, Irma
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.4946

Abstract

This research explores the critical integration of digital accounting tools in the operations of Indonesian MSMEs. This research explores existing research through a systematic literature review and conducts a SWOT analysis on SIAPIK and LAMIKRO applications. There are 19 research articles analyzed related to digital bookkeeping applications, divided into two discussions: empirical findings and research gaps. SWOT analysis is presented to understand digital bookkeeping applications' strengths, weaknesses, advantages, and threats. Finally, recommendations for future research are presented.
Explaining Continuance Intention in Islamic Digital Banking: The Mediating Role of Digital Self-Efficacy Among Generation Z Jafira Hasna Sajiddah; Harun Alrasyid; Irma Hidayati
El-Barka Journal of Islamic Economics and Business Vol. 9 No. 1 (2026)
Publisher : El-Barka

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Abstract

This study examines continuance intention toward Islamic digital banking among Generation Z, a segment that increasingly relies on digital financial services yet does not always maintain long-term usage. Despite the rapid growth of Islamic digital banking, there is a limited understanding of how cognitive, technological, and psychological factors jointly influence post-adoption behaviour. To address this gap, the study investigates the effects of Islamic financial literacy, information quality, and digital satisfaction on continuance intention, with digital self-efficacy serving as a mediating variable. The study contributes to the post-adoption literature by integrating Islamic financial literacy and digital self-efficacy into a unified framework for explaining sustainable usage behaviour in Islamic digital banking. Using a quantitative approach, data were collected from 205 Generation Z users of Islamic digital banking in Indonesia and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings reveal that Islamic financial literacy, information quality, and digital satisfaction significantly influence continuance intention and digital self-efficacy, with information quality emerging as the strongest predictor. Digital self-efficacy also mediates the relationships between these factors and continuance intention. These findings suggest that continuance intention in Islamic digital banking is shaped not only by technological performance but also by users’ knowledge and confidence in using digital financial services. Practically, Islamic financial institutions should enhance information quality, user experience, and Islamic financial literacy initiatives to encourage sustained engagement with Sharia-compliant digital banking services.
Co-Authors Adhela Hadi Pratiwi Afifudin Afifudin Agus Hermawan Amira Fajril Lutfiah Anggraeni, Vinna Anggraini, Elisa Anggraini, Rahmania Ansyahri, Aldri Apriansyah, Ikhwan Aulla, Novi’atul Badria, Nuril Desi Situngkir, Sri Pholan DEWI DIAH FAKHRIYYAH Dewi Nur Hayati Dewi, Farah Septya Findria Dewi, Ovi Rishita Dwiyani Sudaryanti Fachenda Itsnain Naufal Zuhdi Fadhil, Muhammad Al Farah Septya Findria Dewi Fika Putri Rahayu Firda Hidayatul Fadillah Ghina Abyan Azizah Haris Gina Kholidayanti Gymnastiar, Bagas Fauzan Harun Alrasyid Inrah Wati Juwita Jafira Hasna Sajiddah Khoiroh, Annis Duwi Rokhmatul Komariyah, Rizkiyatul Kusumas Tutik Wahyuningsah M. Cholid Mawardi Marita Nining Astutik Maslichah, Maslichah Miftahul Jannah Miftahul Jannah Moh. Amin Moh. Amin Mokhammad Ali Alfian Ridho Muhammad Ilham Habibi Muhammad Iqbal Achdiyat Muhlas Septiawan Nabilah, Tsamarah Noor Shodiq Askandar Nur Afidah Nur Diana Nur Diana Oktaviana, Deva Puji Handayati Putri, Via Karina Rahayu, Fika Putri Ramadhania, Eno Dwi Rizkiyatul Komariyah Rohmah, Wahyu Azizatur Sabikhin, Miftakhul Sabila, Diza Safira Koesherawati Salsabila, Risqi Firda Selfiyah Selfiyah Septira, Nina Setiyawan, Adi Shofi Mustajibullah Silvia Nur Aisyah Sudarmiatin Susanti, Ardila Kurnia Heru Tiara, Tiara Umi Nandiroh Utami, Putrilia Dwi Shintya Adi Via Karina Putri Vinna Anggraeni Ziat Emilia Syafitrih Zuhdi, Fachenda Itsnain Naufal