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All Journal IQTISHADIA el-Jizya: Jurnal Ekonomi Islam DIKTUM: Jurnal Syariah dan Hukum Economica: Jurnal Ekonomi Islam JURNAL SYARIKAH : JURNAL EKONOMI ISLAM IJISH (International Journal of Islamic Studies and Humanities) Afiasi : Jurnal Kesehatan Masyarakat Community Development Journal: Jurnal Pengabdian Masyarakat Journal of Digital Marketing and Halal Industry Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam GUYUB: Journal of Community Engagement Mabsya : Jurnal Manajemen Bisnis Syariah International Journal of Engagement and Empowerment (IJE2) Journal of Islamic Economic and Business Research AJAD : Jurnal Pengabdian kepada Masyarakat Share: Jurnal Ekonomi dan Keuangan Islam Jurnal Manajemen Perbankan Keuangan Nitro Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Mabsya: Jurnal Manajemen Bisnis Syariah Journal of Islamic Economics Lariba Jurnal Maps (Manajemen Perbankan Syariah) Bina Bangsa International Journal of Business and Management Al-Infaq : Jurnal Ekonomi Islam
Utami, pertiwi
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Pengaruh Produk Pembiayaan Mudharabah dan Layanan Digital terhadap Keputusan Nasabah pada BTPN Syariah MMS Panjang Rosmiati, Heni; Khulsum, Umi; Azizah Zuhriyah, Nur; Utami, Pertiwi
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 1 (2025)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i1.1647

Abstract

This study's objective is to investigate whether there is an influence of mudharabah financing products and digital services on customer decisions at BTPN Syariah MMS Panjang in the TUNA era. This type of research is quantitative research. The sampling technique in this study is Simple Random Sampling. Data collection by distributing questionnaires through the Google form application with the number of samples used in this study was 95 respondents from BTPN Syariah MMS Panjang customers. The software used to analyze the data uses the assistance of the Smart PLS 4.1 application. Data analysis such as reliability testing and validity testing using the outer model. While testing the relationship between the coefficient of determination and hypothesis testing using the inner model. The results of the study show that partially based on the structural model test, it has an R² (Coefficient of Determination) value, it can be seen that the R-square value on the Mudharabah Financing variable (X1), and Digital Services (X2), on the Customer Decision variable (Y) has an effect together or simultaneously with a value of 0.359. Thus, it can be concluded that 36% of Customer Decisions are explained by the Mudharabah Financing and Digital Services variables. Based on the regression model, the path coefficient value is 0.513, t-statistic = 5.038, P-value = 0.000 <0.05 for the mudharabah financing variable, and the path coefficient value is 0.110, t-statistic = 1.267, P-value = 0.114> 0.05 for the digital services variable. Both variables have a positive and significant influence on the decision to become a customer at BTPN Syariah MMS Panjang Bandar Lampung
E-Service Quality and E-Wom Regarding Consumer Behavior Based on Maqashid Asy-Shariah Hayati, Mardhiyah; Ali, Juhary; Heri, Mad; Utami, Pertiwi
Journal of Digital Marketing and Halal Industry Vol. 5 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2023.5.1.16949

Abstract

The E-commerce usage service quality index is the lowest among other parameters. The purpose of the study investigates the effect of e-Service Quality and e-WOM on consumer behavior using the maqasid ash-shariah approach. This research uses quantitative methods with an associative statistical approach. The results showed that e-service quality and e-WOM have a positive influence on consumer behavior. This means that when the e-service quality and Electronic Word of Mouth variables increase, so does the consumer behavior variable to make purchases in e-commerce transactions. The novelty of this research is the development of marketing management theory from the perspective of Islamic Economics in the digital era. Theoretical implications show that choosing the right e-service quality and e-WOM results in a positive response to the service quality of e-commerce users. From the perspective of Islamic Economics, the values of maqashid asy-syari'ah can influence the goal of achieving human welfare. So that all needs for goods/services have a benefit for human needs, be it dharuriyah, hajiyah and taxiniyah. The results of this research can be used as input for the Government to improve Electronic System Operator (PSE) services. So that later e-commerce can provide even better services. 
Aligning Sharia-Based Empowerment with SDGs: Addressing Poverty and Inequality in Coastal Regions Suryanto, Tulus; Utami, Pertiwi; Ahmad, Roslizawati
Economica: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2024.15.1.22935

Abstract

A significant portion of coastal communities in Indonesia continues to experience extreme poverty. Addressing poverty is a key priority of the Sustainable Development Goals (SDGs), yet achieving equality and social justice remains challenging due to various obstacles. This study employs a literature review to explore the relationship between the SDGs and efforts to achieve equality and social justice, focusing on approaches to alleviate extreme poverty in coastal communities through Sharia-based community empowerment. The first finding highlights that the SDGs can serve as a tool to secure equality and social justice for coastal communities. The second finding suggests that a Sharia entrepreneurship approach, emphasizing the potential of these communities, can be implemented through government support, Sharia banking, and Sharia social financial institutions. The study concludes that the SDGs play an important role in achieving equality and social justice, supported by Sharia-based community empowerment initiatives. These findings are intended to provide guidance for stakeholders in developing community-centered empowerment strategies. This requires not only focusing on funding programs and policies but also on enhancing the capacity of human resources, particularly in Islamic business ethics, technology, and institutional development.
Pengembangan Aplikasi Android Berbasis Ai untuk Kader Institusi Masyarakat Perdesaan (IMP) Sebagai Strategi Peningkatan Penanganan Stunting Basrowi, Basrowi; Utami, Pertiwi; Daryuni, Popi; Rifayanto, Rania Permata; Mahendra, Yoga
Afiasi : Jurnal Kesehatan Masyarakat Vol. 9 No. 2 (2024): Afiasi
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afiasi.v9i2.364

Abstract

Perkembangan teknologi informasi dan komunikasi, terutama aplikasi berbasis Android, menawarkan potensi besar untuk mengatasi berbagai tantangan yang dihadapi kader IMP. Pengembangan aplikasi stunting berbasis kecerdasan buatan (AI) merupakan inovasi penting dalam upaya penanganan stunting secara efektif dan efisien. Penelitian ini bertujuan untuk mengembangkan aplikasi Android berbasis Artificial Intelligence (AI) yang dapat membantu kader IMP dalam melakukan pemantauan dan penanganan stunting secara lebih efektif. Metode pengembangan yang digunakan pada penelitian ini terdapat empat fase yaitu riset dasar, pengembangan konsep, pembuatan prototipe, uji coba produk dan peluncuran produk. Hasil penelitian menunjukkan aplikasi ini memiliki potensi besar dalam mendukung kader Institusi Masyarakat Perdesaan (IMP). Fitur-fitur dalam aplikasi tersebut membantu kader IMP untuk mendeteksi, memantau, dan menangani kasus stunting secara lebih efektif dan efisien. Penggunaan AI dalam aplikasi ini juga membantu dalam pengumpulan dan analisis data secara real-time, yang sangat berguna bagi pemerintah dan pemangku kepentingan lainnya dalam merumuskan kebijakan yang lebih tepat sasaran
Supply Chains In Indonesia Facing Virus Corona (COVID-19): Models Innovation And Obstacles Faced Basrowi, Basrowi; Utami, Pertiwi; Ali, Juhary; Salleh, Muhammad Syukri
Bina Bangsa International Journal of Business and Management Vol. 1 No. 1 (2021): Bina Bangsa International Journal of Business and Management
Publisher : LPPM Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/bbijbm.v1i1.1

Abstract

The purpose of this research is to reveal the innovation model and obstacles faced by the Indonesian government in handling the Covid-19 epidemic case. Based on previous research, supply chain management is needed because supply chain disruptions and inventory depletion (such as medical supplies and medical equipment) both in high and low resource settings have catapulted the core components of IPC 8 (environment, materials, and equipment for IPC). The research method used is qualitative, especially phenomenology. The novelty of this research lies in the innovation of the supply chain model and the Covid-19 handling constraints obtained through a series of empirical studies and literature reviews that allow it to be used by decision makers. The results revealed that various innovations to meet the supply chain relating to the handling of Covid-19 have been carried out by the government ranging from the creation of special hospitals, the appointment of public hospitals to the referral hospitals specifically Covid-19, the purchase of medicines from other countries that were imported , a mask development company, increases mask production for state-owned and private companies that produce masks, increases alcohol production, and recruits human resources in the health sector, especially for final year students majoring in health. While various obstacles faced, namely the low awareness of the community to do social distinguish in daily interactions, low awareness of the community to work from home, learn from home, and worship at home and the many people who have to work outside the home when they want to fulfill the day their daily needs, the threat of an unemployment explosion, and fears of social insecurity are also the causes of government difficulties in making locked decisions
PENINGKATAN KERJASAMA DAN PERSEFAHAMAN BAGI KOMUNITAS PEDAGANG DAN PENGUSAHA MELAYU DI MALAYSIA Zuhriyah, Nur Azizah; Khulsum, Umi; Risna, Meilia; Utami, Pertiwi; Mustaffa, Abaidullah Bin; Basrowi, Basrowi
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 4 (2024): Volume 5 No. 4 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i4.33052

Abstract

Mitra pada kegiatan international community service ini adalah para pedagang dan pengusaha yang tergabung dalam Persatuan Pedagang Melayu Malaysia (PERDASAMA) di Malaysia. Permasalahan yang dihadapi oleh mitra adalah (1) belum adanya kerjasama komunitas pedagang dan pengusaha Melayu Malaysia dengan Asosiasi akademisi dan Universitas Antarbangsa dalam rangka meningkatkan ekonomi dan bisnis syariah di kancah global; (2) belum optimalnya keterampilan manajerial keuangan dan bisnis syariah yang dilakukan selama ini; (3) belum maksimalnya pengembangan usaha mikro, kecil, dan menengah (UMKM); dan (4) masih rendahnya pengetahuan tentang inovasi baru dan pemanfaatan teknologi dalam bisnis. Dari empat permasalahan yang diidentifikasi, solusi yang dilakukan adalah; (1) pelaksanaan penandatangan Memorandum of Understanding (MoU) Uniti Asia Group, ASEAN Academic Asosiation (AAA), dan PERDASAMA; (2) berbagi keterampilan dan pengalaman dengan para Tim dan delegasi dari berbagai Universitas dari Indonesia; (3) melaksanakan seminar yang berfokus pada strategi pengembangan UMKM, akses terhadap modal usaha, dan pemasaran produk berbasis e-commerce dan media sosial; (4) berbagi pengetahuan dengan melakukan diskusi grub yang dipimpin oleh Tim tentang peran inovasi baru dan pemanfaatan teknologi untuk meningkatkan daya saing bisnis syariah secara global. Metode penelitian fokus grub discussion (FGD) memandu pelaksanaan kegiatan yang menekankan pada interaksi dan perilaku mitra. Setelah pelaksanaan kegiatan selesai dilakukan; (1) terjalin hubungan yang baik antara institusi dalam bidang kolaborasi penelitian, pertukaran ilmiah dan akademik serta program pelatihan dan pengembangan; (2) memperoleh pengalaman baru dalam hal keterampilan manajemen, kepemimpinan, dan komunikasi untuk memahami konsumen serta menggunakan informasi yang diperoleh untuk mempromosikan bisnisnya; (3) meningkatnya pengetahuan tentang strategi pengembangan UMKM di era modern; dan (4) meningkatnya pengetahuan tentang cara menciptakan inovasi dan implementasi teknologi untuk bisnis keberlanjutan. Dapat simpulkan bahwa program yang telah dilakukan mampu memberikan dampak yang berarti bagi keberlangsungan mitra di masa depan
APAKAH MEMILIH SAHAM DAFTAR EFEK SYARIAH INDONESIA DENGAN ANALISIS TEKNIKAL AKAN MENGUNTUNGKAN? Basrowi, Basrowi; Fauzi, Fauzi; Utami, Pertiwi
Al-Infaq: Jurnal Ekonomi Islam Vol. 11 No. 1 (2020): MARET
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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

Abstract

Tujuan penelitian adalah untuk mengetahui apakah saham daftar efek syariah Indonesia dengan menggunakan analisis teknikal akan memberikan keuntungan. Karena, kemungkinan besar bagi pemula akan kesulitan menggunakan analisis teknikal yang nampak seperti chart. Metode penelitian menggunakan studi literatur dengan pendekatan ekonomi syariah. Hasil studi menemukan bahwa ada strategi khusus yang digunakan untuk membaca pergerakan harga menggunakan analisis teknikal dan apabila tidak memahami dan memprediksi pergerakan harga dengan baik maka kerugian yang akan diperoleh. Analisis teknikal yang digunakan untuk mengetahui pergerakan harga dengan memberi sinyal waktu masuk dan keluar pasar saham pada emiten yang terdaftar di daftar efek syariah tidak banyak berbeda dengan umumnya yang digunakan pada pasar modal. Hanya saja larangan dan ketentuan baik produk, distribusi, dan operaionalnya yang harus sesuai dengan prinsip syariah dan teknik ini disarankan tidak digunakan untuk memperhitungkan keuntungan jangka panjang namun dalan jangka pendek dapat menghasilkanpengembalian yang positif pada investor.
INTEGRATING TNFD INTO GREEN FINANCE TO SUPPORT AN INCLUSIVE AND SUSTAINABLE ECONOMIC TRANSFORMATION IN SUMATRA Khulsum, Umi; Utami, Pertiwi; Risna, Meilia; Zuhriyah, Nur azizah; Muzammil, Rozina
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 1 No. 3 (2025): Vol. 1 No. 3 (2025): Special Volume for International Collaboration
Publisher : LP2M IBK Nitro

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

Abstract

This study analyzes the potential implementation of the Taskforce on Nature-related Financial Disclosures (TNFD) to strengthen green finance and sustainable economic transformation in Sumatra. The research background includes the global economic crisis, post-pandemic recovery gaps, and the need for transparency in Green Finance. This study uses a qualitative approach and policy review based on secondary data from Bank Indonesia, Statistics Indonesia (BPS), the Ministry of Finance, the Financial Services Authority (OJK), and TNFD documents. The results show that the success of TNFD implementation in Sumatra is strongly influenced by the synergy of monetary, fiscal, and macroprudential policies as well as the readiness of financial institutions to adopt nature risk disclosure. Strategic sectors such as food, renewable energy, and downstreaming have significant potential to become models for TNFD implementation through digital reporting. This study recommends the development of a TNFD integration roadmap, strengthening of the national data center, and green finance incentives to attract green investment. These findings contribute to the green finance literature and provide policy implications for inclusive and sustainable economic growth in the region.
The Role of the Deposit Insurance Corporation in Driving Indonesian Banking toward TNFD Disclosure: Strategies and Policy Implications Utami, Pertiwi; Purnamasari, Sinta Ayu; Ramatullah, Risen anugrah; Zais, Ferliansyah
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 1 No. 3 (2025): Vol. 1 No. 3 (2025): Special Volume for International Collaboration
Publisher : LP2M IBK Nitro

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

Abstract

This study aims to analyze the strategic role of the Deposit Insurance Corporation (LPS) in encouraging the adoption of the Taskforce on Nature-related Financial Disclosure (TNFD) framework by the Indonesian banking sector. Although TNFD has become the global standard for reporting nature risks, to date no national bank has officially joined this initiative. The study employed a systematic literature review approach, supported by bibliometric analysis using VOSviewer software, to identify trends, research gaps, and thematic linkages within global TNFD studies. The findings indicate that the main challenges to TNFD adoption in Indonesia include an unclear regulatory framework, limited environmental data infrastructure, low awareness and capacity of banking human resources, and a lack of institutional incentives. This study proposes five collaborative strategies that LPS can implement: the establishment of a national TNFD forum, a sustainability-based premium incentive scheme, data and technology collaboration, mentoring and certification programs, and innovation in nature-based risk assurance. This study contributes to academic discourse and public policy by introducing a new role model for LPS as a catalyst for sustainable finance transitions in developing countries.
Penguatan Kolaborasi Ekonomi dan Bisnis Perantau Indonesia di Malaysia melalui Pendekatan FGD dalam Kegiatan Majlis Himpunan Erat Dagang Malaysia–Indonesia Ronaldo, Reza; Khulsum, Umi; Risna, Meilia; Utami, Pertiwi; Zais, Ferliansyah; Ramatullah, Risen Anugrah; Subra, Laila; Putri, Kiara Basmala; Setiyo, Muhammad Sunni
AJAD : Jurnal Pengabdian kepada Masyarakat Vol. 5 No. 3 (2025): DECEMBER 2025
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ajad.v5i3.676

Abstract

This international community service program (PKM) aimed to strengthen economic and business collaboration between Indonesian diaspora entrepreneurs in Malaysia and academic institutions in Indonesia. Implemented through a Focus Group Discussion (FGD) approach on August 23–24, 2025, at the Dewan Majlis Perundingan Melayu (MPM), Kuala Lumpur, the program involved 120 participants representing Indonesian universities, the Malaysia International Marketing & Trade Chamber (MIMTC), Persatuan Anak Rantau Indonesia (PARI) Malaysia, and GEO Artha Holding Sdn. Bhd. The program’s success indicators included the signing of 14 Memoranda of Understanding (MoU), the establishment of the ASEANACA Business & Research Council, and measurable improvements in participants’ understanding of business legality, digital literacy, and cross-border collaboration strategies. Post-FGD evaluation showed that 78% of participants gained new business partners, while 65% reported increased knowledge of Malaysian business regulations. Overall, the program generated direct impacts in expanding diaspora MSME networks, strengthening academic diplomacy, and enhancing the economic resilience of Indonesian migrant communities in Malaysia. This initiative reflects a concrete contribution to the internationalization of community service within the framework of the Tri Dharma of Higher Education.
Co-Authors Abdullah, Iqbal Alan Abdullah, Putri Allana Adib Fachri ahmad habibi Ahmad, Roslizawati Anuar Sanusi Azizah Zuhriyah, Nur Basrowi Basrowi Basrowi, Basrowi Daryuni, Popi Dedi Satriawan Erike Anggraeni Fauzi Fauzi Febriyanti, Delia Heri, Mad Ika Pratiwi Juhary Ali Khulsum, Umi M. Nasor, M. Mahendra, Yoga Mardhiyah Hayati Md. Yusoff, Mohd Sukor bin Md. Yusoff Monalysa, Lita Muhammad Nasor, Muhammad Mustaffa, Abaidullah Bin Muzammil, Rozina Nabela, Erick Omar, Ismail Bin Putri, Kiara Basmala Quraysin, Icin Ramatullah, Risen anugrah Rania Permata Rifayanto Risna, Meilia Ronaldo, Reza Rosmiati, Heni Ruslan Abdul Ghofur Salleh, Muhammad Syukri Septi Widiawati Setiyo, Muhammad Sunni Sinta Ayu Purnamasari, Sinta Ayu Subra, Laila Syamsul Arifin Tulus Suryanto ulfah, Mardia Uli Wildan Nuryanto Waskito, Tejo Yunos, Melinda Siti Asmah Binti Zais, Ferliansyah Zuhriyah, Nur Azizah