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All Journal ETIKONOMI Jurnal Keuangan dan Perbankan JASF (Journal of Accounting and Strategic Finance) Jurnal Akuntansi International Journal Of Science, Technology & Management (IJSTM) International Journal of Educational Research and Social Sciences (IJERSC) Society: Jurnal Pengabdian Masyarakat Jurnal Pengabdian Kepada Masyarakat (JPKM) Langit Biru Annals of Human Resource Management Research Akuntansi dan Humaniora: Jurnal Pengabdian Masyarakat Jurnal Abdi Masyarakat Multidisiplin KEYNESIA : INTERNATIONAL JOURNAL OF ECONOMY AND BUSINESS Jurnal Ilmiah Ilmu Terapan Universitas Jambi Journal of Islamic Economics Lariba Moneter : Jurnal Keuangan dan Perbankan International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) Journal of Multidisciplinary Academic and Practice Studies International Journal of Accounting and Management Information Systems Riset Akuntansi dan Bisnis Indonesia
Abdul Mukti Soma
Telkom University, Indonesia
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences Transportation Other

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Religiosity and Islamic Banking Product Decision: Survey on Employees of PT Telekomunikasi Indonesia Abdul Mukti Soma; Ina Primiana; Sudarso K Wiryono; Erie Febrian
ETIKONOMI Vol 16, No 1 (2017)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (72.628 KB) | DOI: 10.15408/etk.v16i1.4379

Abstract

The objective of this research is to examine the religiosity on Islamic banking product decision. A survey method was employed using a sample of 2.627 employees at different level of education, level of income, gender, age, marital status, length of service, work location (provincial based), ownership of conventional banking products as well as ownership of sharia banking products among employees of PT. Telekomunikasi Indonesia. The study also developed valid and reliable scales for religiosity and selection of sharia banking product.  The findings of the study revealed that dimensions of religiosity affected understanding of Islamic Banking Concept and also affected Bank Selection Criteria. Future research is required to investigate private employees and semi government employees, even in military institutions to find different figure of religiosity and preference of sharia banking products, by identifying the specific areas of religiosity that have particular impact in determining the sharia banking products.DOI: 10.15408/etk.v16i1.4379
DESAIN ENTERPRISE RISK MANAGEMENT PADA PERGURUAN TINGGI DI STIE MUHAMMADIYAH JAKARTA Lela Nurlaela Wati; Ramdany Ramdany; Abdul Mukti Soma
JURNAL AKUNTANSI Vol 10, No 2 (2021): JURNAL AKUNTANSI
Publisher : STIE Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37932/ja.v10i2.439

Abstract

Tujuan dari penulisan ini adalah untuk menganalisis penerapan manajemen risiko pada perguruan tinggi di Sekolah Tinggi Ilmu Ekonomi Muhammadiyah Jakarta. Metode penelitian menggunakan desain penelitian eksploratif, karena tujuan penelitian ini adalah untuk memahami permasalahan manajemen risiko pada STIE Muhammadiyah Jakarta. Data diperoleh dengan melakukan wawancara dan barinstorming dengan ketua program studi, kepala bagian, dan kepala Lembaga STIE Muhammadiyah Jakarta, juga dengan menggunakan data sekunder yaitu jumlah mahasiswa, jumlah, dosen, dan data lainnya. Tahapan analisis dilakukan melalui identifikasi risiko, penilaian dan evaluasi risiko, perencanaan mitigasi risiko dan analisis serta interpretasi data. Berdasarkan hasil identifikasi risiko, terdapat 5 risiko inherent yang bisa berdampak signifikan terhadap sustainability STIE MJ. Berdasarkan risk profile dari kelima identifikasi risiko, risiko 1 berdampak kualitatif terhadap penurunan peringkat akreditasi, risiko kedua dan ketiga berdampak terhadap tidak tercapainya sasaran kinerja, risiko keempat dan kelima dapat berdampak terhadap penurunan klasterisasi Nasional Perguruan Tinggi. Dampak kuantitatif risiko 1-3 berdampak terhadap kerugian institusi, risiko no. 4 dan 5 berdampak terhadap rendahnya  penyerapan anggaran (cost center). Beberapa risiko memerlukan penangan dalam waktu yang tidak singkat seperti risiko 4 dapat mengakibatkan risiko residual tidak sesuai dengan target risiko yang diharapkan (risk appetite), sehingga diperlukan penanganan risiko secara berkelanjutan. Penelitian ini memiliki keterbatasan yaitu identifikasi risiko tidak dilakukan secara mendalam pada semua unit kerja. Penelitian mendatang diharapkan agar identifikasi risiko dilakukan pada semua unit kerja di Perguruan Tinggi, sehingga risiko yang ada dapat segera dimitigasi dan dilakukan perbaikan segera.
PENINGKATAN DIGITAL SKILL BAGI PENGUSAHA UMKM Wati, Lela Nurlaela; Mulyanti, Rita Yuni; Soma, A. Mukti; Supriatiningsih, Supriatiningsih; Darwis, Hidayat
 Jurnal Abdi Masyarakat Multidisiplin Vol. 2 No. 1 (2023): April: JURNAL ABDI MASYARAKAT MULTIDISIPLIN
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/jammu.v2i1.470

Abstract

Micro, small and medium enterprises are required to continue to move quickly to keep up with changes and to be able to adapt to modern and dynamic environmental conditions. Business innovation by utilizing the development of digital technology, has a major influence on the perspective of MSMEs in running their business. It is very important for SMEs to optimize the use of increasingly sophisticated technology and the use of social media as a means of social networking in marketing their products. Therefore the community service team from STIE Muhammadiyah Jakarta conducts training to increase the digital skills of MSME entrepreneurs in collaboration with the Telkom Community Development Center Jakarta, with the aim of providing explanations and understanding for all MSME participants regarding the use of digital technology, Providing tips on how to deal with problems in this era 4.0, provides an understanding of the use of copy writing to increase sales and provides tips on how to establish as many social networks as possible. MSMEs understand the importance of using digital so they can get used to processing today's technology, know tips on using digital in dealing with problems in the 4.0 era, know the use of copy writing so that sales increase, communication networks will be established between each other and the community.
The Islamic financial literacy and market discipline: Does gender have the moderating role? Widyastuti, Umi; Soma, Abdul Mukti
Jurnal Keuangan dan Perbankan Vol 27, No 1 (2023): January 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v27i1.8297

Abstract

This study contributes to examine the effect of Islamic financial literacy on market discipline and to confirm whether gender can employ as moderating variable in this model. The primary data was collected from 93 academicians who invest in Sharia mutual funds. Based on the data analysis, this study proved that there is a positive impact of Islamic financial literacy on investment’s withdrawal behaviour which indicated the market discipline. Moreover, a multi group analysis results that Islamic financial literacy has higher influence for female Sharia mutual fund’s investors in withdrawing their investments. But, the influence of Islamic financial literacy on market discipline among gender is not significantly different, therefore gender could not employ as a moderating variable in this model.JEL: G2, G23
The Factors Influencing Intention To Use Mobile Banking Among Generation Y And Z Sabilla, Anisa Moza; Soma, Abdul Mukti; Sitorus, Palti Marulitua
Moneter: Jurnal Keuangan dan Perbankan Vol. 12 No. 2 (2024): JULI
Publisher : Universitas Ibn Khladun Bogor

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

Abstract

Advancements in information technology have accelerated the global expansion of the internet, proceed the financial sector to have a major shift. The mobile banking apps growth is one of the most significant advances that is transforming the business. While these digital services provide several benefits to customers, they are also vulnerable to possible cyber threats. The digital transformation of banking has highlighted various key challenges, including cyberattacks, banking fraud, hacking, phishing, and the significance of security awareness. SEM PLS is used in data analysis, and 400 respondents from Generation Y and Z. Identifying the factores affecting the intention to use mobile banking is the purporse of this study. Therefore, this study found that perceived security, perceived privacy, security awareness, and trust are key factor in influencing the intention to use. Moreover, trust also plays a big role that has significacnt and positive impact on the intention of using mobile banking, with perceived usefulness as a moderator.
Factor affecting islamic fintech adoption by Gen Z in West Java with religion as moderating variable Br Siregar, Kristina Valentina; Soma, Abdul Mukti; Sitorus, Palti Marulitua
Keynesia : International Journal of Economy and Business Vol. 3 No. 2 (2024): Keynesia: International Journal of Economics and Business
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/keynesia.v3i2.1277

Abstract

In the age of fast digitalization, it’s crucial to comprehend the consumer behavior of the younger generation, particularly in relation to the acceptance of Islamic fintech. This research aims to study the factors that influence Gen Z in adopting Islamic fintech and investigate the potential impact of Religious Orientation. The study uses a questionnaire to collect data from 311 Gen Z in West Java, using SEM-PLS to evaluate the research model and test hypotheses. The results of Smart PLS path analysis revealed that several factors significantly influenced the adoption of Islamic fintech. In particular, perceived risk, financial literacy, perceived benefits and trust, were identified as very important determinants in shaping Gen Z's decision to adopt Islamic fintech. In addition, this study also reveals the important role of religious orientation as a moderator that influences the relationship between perceived risk, perceived benefit, and trust towards the adoption of Islamic fintech by Gen Z in West Java. This study adds to the existing literature on Islamic Fintech adoption and improves understanding of the key drivers in this domain. In addition, this study emphasizes how religious orientation can influence individual attitudes and behaviors regarding the adoption of Islamic Fintech.
Pelatihan Digital Skill Guna Meningkatkan Market Bagi Pengusaha UMKM Wati, Lela Nurlela; Soma, Mukti; Mulyanti, Rita Yuni; Santoso, Imam; Supriatininingsih, Supriatiningsih
Jurnal Pengabdian Kepada Masyarakat Vol 4 No 01 (2023): Jurnal Pengabdian Kepada Masyarakat (JPKM) Langir Biru
Publisher : Politeknik Penerbangan Indonesia Curug

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54147/jpkm.v4i01.784

Abstract

The purpose of this service is to provide training on how to improve the quality of MSME human resources by improving social media-based marketing using digital skills. This training was carried out by the community service team at the Muhammadiyah University of Technology Jakarta in collaboration with the Telkom Community Development Center Bandung. Through this training, it is hoped that MSMEs will understand and master digital technology. Training is held offline through lectures and discussions on digital concepts. The use of digital is expected to grow a social network without limits. MSME stakeholders can find out the benefits of social media-based marketing such as WhatsApp, Instagram, Facebook, Telegram, Twitter, and others so that MSME products offer more opportunities to expand business networks and increase sales.
Pelatihan Pembuatan Website Tanpa Coding Untuk Siswa SMK Muhammadiyah Jakarta Utara Ruseno, Ndaru; Wati, Lela Nurlela; Supriatiningsih, Supriatiningsih; Ibrahim, Luckman; Soma, A. Mukti
Jurnal Pengabdian Kepada Masyarakat Vol 4 No 02 (2023): Jurnal Pengabdian Kepada Masyarakat (JPKM) Langit Biru
Publisher : Politeknik Penerbangan Indonesia Curug

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54147/jpkm.v4i02.853

Abstract

Web adalah alat yang digunakan untuk menyebarkan informasi yang tersedia secara online. Ada banyak cara untuk membuat website. Untuk orang yang tidak terbiasa dengan pemrograman, metode pembuatan website menggunakan content management system (CMS), menulis kode program menggunakan bahasa pemrograman web, dan menggunakan website builder. Wordpress adalah salah satu CMS yang paling populer. Pengabdian ini bertujuan untuk membantu siswa SMK Muhammadiyah Jakarta Utara dalam penyediaan informasi secara mudah dan luas. Salah satu kegiatan pengabdian ini dengan penyediaan media informasi digital dengan bentuk website sekolah. Kondisi saat ini masih pandemic sehingga dibutuhkan penyebaran suatu informasi yang cepat dan mudah diakses dimanapun tanpa harus dating ke sekolah. Pendekatan secara institusional dan partisipatif yang dilakukan dalam kegiatan ini. Hampir semua sekolah sudah terpasang sarana internet dan pemakaiannya pun masih sangat terbatas. Maka dengan kegiatan pengabdian ini kami dari tim Universitas Teknologi Muhammadiyah Jakarta memberikan solusi kepada sekolah untuk membut media digital sendiri, dengan menyediakan website sekolah. Sehinga para siswa mendapatkan segala bentuk informasi sekolahnya melalui website ini. Diharapkan hasil dari kegiatan ini memberikan solusi dalam menyediakan informasi digital bagi pihak sekolah dan masyarakat secara umum.
Determinants Of Financial Literacy, Digital Literacy, Internet Penetration And Consumer Confidence Level Mediated By Fintech Growth On Retail Industry Growth In Indonesia Sapta Rini, Anggarwati; Mukti Soma, Abdul
International Journal of Educational Research & Social Sciences Vol. 5 No. 6 (2024): December 2024 ( Indonesia - Somalia - Nigeria )
Publisher : CV. Inara in Colaboration with www.stie-sampit.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijersc.v5i6.928

Abstract

This study evaluates how financial literacy, digital literacy, internet penetration, and consumer confidence influence retail industry growth in Indonesia, emphasizing the mediating role of fintech. In the era of industry 4.0, technology, especially fintech, has transformed conventional financial business models into digital ones, accelerating transactions and financial inclusion. The Covid-19 pandemic has further driven digitalization, although it has posed major challenges for the retail industry. This study aims to determine the actual impact of the development of fintech applications including the influence of financial literacy, digital literacy, internet penetration and consumer confidence levels on the development or growth of retail in Indonesia. This study uses a quantitative method with a focus on analyzing the relationship between financial literacy, digital literacy, internet penetration, and consumer confidence levels in the growth of the retail industry, both directly and through the mediation of fintech growth. The data used are secondary data that include information on the financial literacy index, digital literacy index, internet penetration level, consumer confidence index, fintech adoption level, and retail performance indicators. To overcome incomplete data, imputation and proxy variable methods are used. The analysis was conducted using multiple linear regression to identify direct relationships between variables, and structural equation modeling (SEM) to comprehensively evaluate the influence of fintech mediation. This study shows that financial literacy, digital literacy, and consumer confidence levels have a significant influence on retail growth, both with and without fintech growth mediation. Digital literacy and consumer confidence levels have a positive impact, reflecting that understanding of digital technology and consumer confidence contribute to retail development. Conversely, financial literacy shows a negative influence. Internet penetration does not show a significant influence on retail growth, either directly or through fintech mediation.
Managerial Transformation at Sea: Strategies to Enhance Performance, Motivation and Crew Safety Aziz, Azmal; Mulyanti, Rita Yuni; Soma, Abdul Mukti
International Journal of Multidisciplinary Research of Higher Education Vol 8 No 2 (2025): (April) Theme STEM, Education, Religion Studies, Social Sciences and Economic Dev
Publisher : Islamic Studies and Development Center in Collaboration With Students' Research Center Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ijmurhica.v8i2.326

Abstract

Work safety and crew performance are very important focus areas in the high-risk maritime industry, as exemplified by shipping companies. This study aims to analyze the impact of leadership and managerial competence on crew motivation and performance, as well as their influence on work safety. This study uses quantitative methods with a causal design used to examine cause-and-effect relationships among variables, including leadership, managerial competence, work motivation, crew performance, and work safety. Data were collected through a survey using a Likert-scale questionnaire with five response levels. The respondents were crew members working for a shipping company. Additional data collection techniques included field observations and literature review to complement the theoretical insights. Data analysis was conducted using Structural Equation Modeling with SmartPLS software. The findings indicate that transformational leadership and managerial competence significantly influence work motivation and crew performance. Moreover, work motivation serves as a mediating variable, strengthening the relationships between leadership and performance, as well as managerial competence and occupational safety. This study emphasizes the crucial role of effective leadership in workplace safety within the maritime industry. Its implications suggest that companies should enhance competency-based training and leadership strategies to optimize crew performance and ensure sustainable workplace safety.
Co-Authors Aziz, Azmal BALDA, Safira Br Siregar, Kristina Valentina Damayanti, Nensi Darwis, Hidayat Dini Wahjoe Hapsari Driana, Thasania Fitri Eko Sanjaya Nurhakim Erie Febrian Febriyanthi, Hesty Feryanto, Muslim FIRMANSYAH, Irvan Wahyu Gunawan, Indri Ibrahim, Luckman Imam Santoso Ina Primiana Irni Yunita Jimmy Julio Ratu Edo Kusbiantara, Elvara Hana Salsabila Maya Safira Dewi Mulyanti, Rita Yuni Novy Fajriati Palti Marulitua Sitorus Palti Marulitua Sitorus Palti Marulitua Sitorus Putri Yuniesha Nugrahani Ramdany, Ramdany refsi, Firdaus ROSA, Abigail Ratna Ruseno, Ndaru Sabilla, Anisa Moza Safitri, Annisa Sapta Rini, Anggarwati Sitepu, Victor Bastanta Sudarso K Wiryono Supriatiningsih, Supriatiningsih Supriatininingsih, Supriatiningsih Umi Widyastuti Wati, Lela Nurlaela Widodo, Iqbal