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All Journal Moneter : Jurnal Akuntansi dan Keuangan VIVA THEMIS- Jurnal Ilmu Hukum dan Humaniora Jurnal Ilmiah Ilmu Terapan Universitas Jambi Indonesian Research Journal on Education
Lutfi, Mohamad
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Religion Arts Humanities Chemistry Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Social Sciences Other

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Financial Technology and Financial Inclusion on MSME:Mixed-Method Research Approach Wati, Lela Nurlaela; Isprihayadi, Heri; Nisa, Khoirun; Lutfi, Mohamad; Suprapta, Imam
MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 7, No 2 (2020): Oktober 2020
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/moneter.v7i2.9583

Abstract

This study aims to examine the role of financial technology in increasing financial inclusion in Micro, Small, and Medium Enterprises. This research uses mixed-method research with sequential mixed methods especially sequential explanatory strategy. In the first phase, 116 questionnaires were given to respondents as many as 116 MSMEs then conducted interviews with respondents and related parties in depth. Empirical evidence shows that the role of Financial Technology has a positive and significant effect on Financial Inclusion. These results indicate that fintech can increase financial inclusion. Based on interviews, fintech products that are often used by MSMEs are third-party payment systems and Peer-to-Peer (P2P) type of payment systems. Examples of platforms that are often used by MSMEs are Go food, Gopay, Grab food, OVO, JakOne, M-Banking, and SMS Banking. For the Crowdfunding fintech type, it has not been implemented by many MSMEs. The large number of MSME entrepreneurs who have used fintech products in their businesses shows that MSME entrepreneurs have used financial services in the form of savings accounts so that it has an impact on increasing financial inclusion. Suggestions from the results of this study are the Government needs to conduct regular training on the use of financial technology to MSME actors, there are strong synergy and cooperation in developing a fintech system to improve the digital economic system at MSMEs. Regulations need to be updated with the development of innovations.
Analisis Pelaksanaan Uang Muka Sewa Menyewa Kios (Ij?rah) Dalam Pandangan Hukum Islam Mirwansyah, Mirwansyah; Lutfi, Mohamad; Yusnandi, Yudi; Pratama, Sartya Surya
VIVA THEMIS Vol 8, No 1 (2025): VIVA THEMIS
Publisher : Universitas Sang Bumi Ruwa Jurai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24967/vt.v8i1.3879

Abstract

Masyarakat yang menyewakan kios bagi para pengusaha. Sewa-menyewa kios di Kelurahan Kebun Jeruk Tanjungkarang Timur Bandar Lampung menerapkan pembayaran uang muka itu di larang karena mengandung unsur gharar. Tujuan dari penelitian ini adalah untuk mendiskripsikan dan menjelaskan pelaksanaan uang muka kios Ababil Kelurahan Kebun Jeruk Tanjungkarang Timur Bandar Lampung. Dan menjelaskan pandangan hukum Islam terhadap pelaksanaan uang muka sewa-menyewa (ij?rah) di kios Ababil Kel. Kebun Jeruk Tanjungkarang Timur Bandar Lampung.Penelitian ini menggunakan jenis penelitian lapangan (field research) dengan pendekatan kualitatif deskriptif. Sumber data yang digunakan sumber data primer dan sumber data sekunder. Pengumpulan data yang dilakukan dengan observasi, wawancara, dokumentasi. Data yang diperoleh dianalisis menggunakan metode kulitatif atau cara berfikir induktif.Berdasarkan hasil penelitian dapat disimpulkan bahwa pembayaran uang muka dalam penyewaan kios di Ababil Kelurahan Kebun Jeruk Tanjungkarang Timur Bandar Lampung merupakan ‘urf atau kebiasaan bagi pemilik kios yang menyewakan kios dengan sistem pembayaran pertahun. Akad sewa-menyewa kios dilakukan pemilik kios dan penyewa kios sesuai dengan rukun dan syarat sewa-menyewa (ij?rah), sehingga hukumnya sah. Penerapan uang muka boleh dilakukan selama tidak ada pihak yang merasa dirugikan. Uang muka dilakukan untuk menghindari adanya cidera janji antara pihak pemilik kios dan penyewa kios
Calculation of Cement Volume in 8½-Inch Borehole Drilling Using the Pump Capacity Calculation Method at Sonos-A Field Drilling Platform in Well “A15” Sudarsono, Andrea Cokro; Battu, Desianto Payung; Hidayat, Irfan; Karim, Abdul Gafar; Paindan, Esterina Natalia; Lutfi, Mohamad
Indonesian Research Journal on Education Vol. 3 No. 3 (2023): irje 2023
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/irje.v3i3.2810

Abstract

Penelitian ini bertujuan untuk menganalisis rata-rata ukuran lubang bor (Average Hole Size) pada sumur Sonos A15 serta mengevaluasi kebutuhan aktual volume semen berdasarkan hasil perhitungan hidraulik dan geometri lubang bor. Data diperoleh dari laporan lapangan serta hasil pemantauan oleh Mud Engineer dan tim Mud Logging. Analisis dilakukan terhadap konfigurasi casing, open hole, dan rangkaian pipa (Bottom Hole Assembly/BHA) dengan menggunakan pendekatan matematis berbasis volume silinder dan efisiensi pompa. Hasil menunjukkan bahwa diameter aktual lubang bor mengalami pelebaran dari 8.5 inci (ukuran bit) menjadi 8.88 inci. Akibatnya, volume ruang annulus meningkat dan berdampak pada bertambahnya kebutuhan semen dari nilai teoritis sebesar 33.38 bbl menjadi 44.75 bbl. Perbedaan ini menegaskan pentingnya evaluasi aktual ukuran lubang dalam perencanaan program penyemenan untuk menghindari kekurangan slurry saat operasi berlangsung.
DETERMINATION OF MARKETING WORKFORCE PRODUCTIVITY THROUGH WORK ENGAGEMENT Rosidin, Beni Hermawan; Wati, Lela Nurlela; Lutfi, Mohamad
Jurnal Ilmiah Ilmu Terapan Universitas Jambi Vol. 10 No. 4 (2026): Volume 10, Nomor 4, August 2026
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jiituj.v10i4.57514

Abstract

Marketing workforce productivity has become an important organizational concern, particularly in increasingly competitive and digitally driven markets. This study aims to examine the effects of motivation, organizational climate, transformational leadership, and digital competence on the productivity of the marketing workforce, with work engagement as a mediating variable. A quantitative explanatory study was conducted among 223 marketing personnel of PT MKSA using a cross-sectional approach and proportionate stratified random sampling. Data were collected through a structured questionnaire using a five-point Likert scale and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The findings indicate that transformational leadership and digital competence positively influence work engagement, while motivation and organizational climate do not have significant effects. Regarding marketing workforce productivity, organizational climate and digital competence have significant positive effects, whereas motivation, transformational leadership, and work engagement do not. Furthermore, work engagement does not significantly mediate the relationships among motivation, organizational climate, transformational leadership, digital competence, and marketing workforce productivity. These findings indicate that factors contributing to employees' psychological engagement do not necessarily translate into measurable productivity outcomes. The study contributes to the Job Demands–Resources perspective by demonstrating that organizational and personal resources may operate differently across psychological and productivity outcomes. In practice, organizations should strengthen organizational climate and digital competence while integrating leadership development, digital capabilities, sales competencies, customer relationship management, and supportive work systems to improve the marketing workforce's productivity.
BEYOND ICT INFRASTRUCTURE: DIGITAL ADAPTATION AND THE SELECTIVE ROLE OF TRANSFORMATIONAL LEADERSHIP IN TEACHER PROFESSIONALISM Farhan, Farhan; Mulyanti, Rita Yuni; Wati, Lela Nurlaela; Lutfi, Mohamad
Jurnal Ilmiah Ilmu Terapan Universitas Jambi Vol. 10 No. 4 (2026): Volume 10, Nomor 4, August 2026
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jiituj.v10i4.58315

Abstract

This study examines how ICT infrastructure, digital adaptation, digital pedagogical competence, and transformational leadership contribute to junior high school teachers’ professionalism, with particular attention to the selective moderating role of transformational leadership. A sequential explanatory mixed-methods design was employed. Quantitative data were obtained from 342 teachers, of which 301 screened responses were analyzed using partial least squares structural equation modeling (PLS-SEM). The qualitative phase involved eight structured interviews with teachers and school leaders, which were analyzed thematically to explain significant, nonsignificant, and directionally unexpected statistical relationships. The model explained 62.9% of the variance in teacher professionalism. Digital adaptation (β = 0.304, p < 0.001) and transformational leadership (β = 0.328, p < 0.001) had significant positive effects, whereas ICT infrastructure and digital pedagogical competence were not significant predictors. Transformational leadership strengthened the relationship between digital adaptation and professionalism (β = 0.197, p = 0.005), attenuated the relationship between ICT infrastructure and professionalism (β = −0.202, p = 0.006), and did not significantly moderate the relationship between digital pedagogical competence and professionalism. The study’s novelty lies in proposing a selective adaptive-leadership mechanism that demonstrates how leadership can activate teachers’ adaptive capacity, reduce reliance on resource differences, or leave competence-based pathways unchanged, rather than uniformly strengthening all digital antecedents. Practically, the findings support continuous adaptive learning, instructional mentoring, collaborative professional development, and leadership-supported implementation routines. The findings are limited by the cross-sectional self-reported design, incomplete discriminant validity, small interaction effects, a limited number of qualitative participants, and a single urban educational context.
Co-Authors Abdul Gafar Karim Battu, Desianto Payung Farhan Farhan Irfan Hidayat, Irfan Isprihayadi, Heri Khoirun Nisa Mirwansyah, Mirwansyah Mulyanti, Rita Yuni Paindan, Esterina Natalia Pratama, Sartya Surya Rosidin, Beni Hermawan Sudarsono, Andrea Cokro Suprapta, Imam Wati, Lela Nurlaela Yudi Yusnandi