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Impact of Fintech and Risk Management on The Sustainability Performance of MSMEs (Micro, Small and Medium Enterprises) Safira, Safira; Agustina, Ahadiah; Hidayanti, Nur Fitri; Mukhlishin, Mukhlishin
EQUITY Vol 28 No 1 (2025): EQUITY
Publisher : Department of Accounting, Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34209/equ.v28i1.10160

Abstract

This study aims to analyse the impact of Fintech and Risk Management on the Sustainability Performance of MSMEs in Mataram City. Using a quantitative approach, this study involved 100 MSMEs that have adopted Fintech services in the sub-district cakranegara and sub-district mataram areas. Data was collected through a 5-point Interval scale-based questionnaire and analysed using multiple linear regression with SPSS software version 22. The results showed that Fintech has a significant effect of 27.8% on MSME Sustainability Performance, while Risk Management has a significant effect of 53%. These findings highlight the importance of digital financial literacy and strategic risk management implementation in supporting MSME business sustainability. This research recommends MSME players to optimally utilise Fintech services and implement structured risk management. In addition, government policies are expected to facilitate digital financial literacy training and provide technical guidance on risk management for MSMEs. With this approach, Fintech will not only improve MSME competitiveness but also strengthen their business sustainability in the digital economy era. Keywords: Financial Technology (Fintech); Risk Management; Sustainability Performance MSMEs.
Kontinuitas dan Perubahan dalam Sistem Pendidikan Pesantren Salaf Modern di Indonesia Salsabila, Dewi Urifah; Z, Sahman; Mukhlishin, Mukhlishin
Sulawesi Tenggara Educational Journal Vol 5 No 3: Desember (2025)
Publisher : Fakultas Keguruan dan Ilmu Pendidikan Universitas Sulawesi Tenggara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54297/seduj.v5i3.1360

Abstract

Pesantren as an indigenous Islamic educational institution continues to adapt in the midst of the dynamics of educational modernization, globalization, and socio-cultural development of the community. The renewal of salaf Islamic boarding schools towards a more modern education system has become an important discourse in the study of contemporary Islamic education. This article aims to critically examine the pattern of renewal of salaf pesantren by emphasizing aspects of continuity and changes in educational goals, institutional systems, curriculum, and pesantren learning methodologies. This research uses a literature review approach by examining various scientific literature, both books and reputable journal articles, which discuss the transformation of Islamic boarding schools in Indonesia in the last five to seven years, as well as relevant classical literature as a conceptual basis. Data analysis was carried out through thematic synthesis to identify general trends, differences in approaches, and factors that affect the success of pesantren reform. The results of the study show that pesantren renewal is not dichotomous between tradition and modernity, but takes place in an adaptive manner through the principle of preserving essential Islamic values and adopting contextual modern elements. The update is seen in the integration of formal and non-formal education systems, the development of an integrated curriculum, and the application of more participatory learning methods. A conceptual understanding of Islamic boarding school modernization is needed as a dynamic process rooted in tradition as well as responsive to the demands of the times
The Implementation of the Arabic Language Environment (Bi’ah ‘Arabiyah) as a Strategic Model for Developing Students’ Communicative Competence at Hidayatullah Islamic Boarding School Lombok Fitri, Laelatul; Mukhlishin, Mukhlishin; Izomi, M. Syahrul
Journal of Educational Sciences Vol. 10 No. 1 (2026): Journal of Educational Sciences
Publisher : FKIP - Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/jes.10.1.p.725-745

Abstract

This study aims to analyze the implementation of the Arabic language environment as a strategic model for developing the communicative competence of students in Islamic boarding schools. The research focuses on the role of linguistic discipline in daily interactions and the effectiveness of structured and cultural language practices in shaping students’ Arabic-speaking behavior. Using a qualitative descriptive design with an ecological linguistic perspective, data were collected through in-depth interviews, non-participant observations, and document analysis involving school leaders, language coordinators, teachers, supervisors, and students. Thematic analysis was employed to identify implementation patterns, disciplinary mechanisms, communicative achievements, and contextual challenges. The findings show that the Arabic language environment functions as a cultural-linguistic system integrating structured discipline such as language zones, monitoring, corrective measures, and regular evaluation with everyday language practices supported by teacher modeling, peer interaction, and routine activities. Linguistic discipline significantly enhances students’ fluency, accuracy, confidence, and vocabulary development. Despite its effectiveness, implementation faces challenges related to teacher competence, inconsistent language use, limited facilities, and diverse student backgrounds.
The Effectiveness of Arabic Language Learning in Preventing Bullying Behavior in Students of Luqman AL-Hakim Mataram Integral Elementary School Suryanti, Beti; Mukhlishin, Mukhlishin; Nurjannah, Nurjannah
Attadrib: Jurnal Pendidikan Guru Madrasah Ibtidaiyah Vol. 8 No. 3 (2025): Islamic Primary Education based on Islamic values
Publisher : Institut Agama Islam Daruttaqwa Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54069/attadrib.v8i3.1090

Abstract

. Bullying behavior in the elementary school environment is a social problem that has a serious impact on the psychological and social development of students. This study aims to analyze the effectiveness of Arabic language learning as a preventive instrument against bullying behavior through a value-based character education approach. The research uses a qualitative approach with a case study design at SD Integral Luqman Al-Hakim Mataram. Data was collected through observations, in-depth interviews, and documentation of Arabic teachers, homeroom teachers, students, and school management. The results of the study show that learning Arabic that is integrated with the values of manners, empathy, and politeness contributes significantly to shaping students' social attitudes, strengthening a conducive classroom climate, and suppressing the tendency to develop bullying behavior. The process of internalizing values that takes place in a sustainable manner through pedagogical interaction and teacher examples has proven to be more effective than the regulatory approach alone in preventing bullying. This research provides a conceptual contribution in the form of a model of the relationship between value-based Arabic language learning, social attitude change, classroom climate strengthening, and bullying prevention, as well as expanding the perspective of Arabic language learning from linguistic functions to social-preventive functions in Islamic education.
The Concept of Usury in the Interpretation of Al-Mishbah Through a Contemporary Hermeneutic Approach Khusna Khanifa, Nurma; Mukhlishin, Mukhlishin; Idayanti, Rini
Syarah: Jurnal Hukum Islam dan Ekonomi Vol. 14 No. 2 (2025): SYARAH : Jurnal Hukum Islam dan Ekonomi
Publisher : Fakultas Syariah Universitas Islam Negeri Sultanah Nahrasiyah Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/syarah.v14i2.6772

Abstract

Critical religious studies through a hermeneutic approach in the context of the study of the Qur'an as an effort to understand its contents, commonly known as tafsir. One of the interesting aspects of contemporary interpretation is the presence of tafsir al-Mishbāh by M. Quraish Shihab. Within its hermeneutical framework, it seeks to mediate differences of opinion by stating that some hermeneutical theories are considered acceptable in Islamic studies. The study of hermeneutics as a method of interpreting the text of the Qur'an in al-Mishbāh's tafsir on the verse on ribā. The methodology used is a qualitative approach, with a type of literature research that will later be described and analyzed using content analysis. The results of this study show that Quraish Shihab never forgets to include the meaning of vocabulary, munāsabah between verses, and asbābal-Nuzūl. His interpretation method uses the al-ijtihad al-hidā`ī approach. From this, it can be seen that there are characteristics of modern quasi-objectivism even though it is still imperfect. One of the studies of tafsir through hermeneutics with a quasi-objective modernist style regarding the verse on ribā cannot be separated from three reviews, namely, first, ribā or excess that is prohibited in nature (اَضْعَافًا مُّضٰعَفَةً). Second, مَابَقِيَ مِنَ الرِّبٰوٓا leave the remainder of ribā. Third, فَلَكُمْرُءُوْسُ اَمْوَالِكُمْۚ لَا تَظْلِمُوْنَ وَلَا تُظْلَمُوْنَ efforts to eradicate and stop the practice of ribā.
PENINGKATAN LITERASI POLITIK MELALUI EDUKASI ETIKA KEPEMIMPINAN DAN PRINSIP KEADILAN PADA MASYARAKAT AMPENAN SELATAN Mukhlishin, Mukhlishin; Z, Sahman; Urifah, Dewi; Khaerunnisa, Khaerunnisa
JCES (Journal of Character Education Society) Vol 6, No 4 (2023): Oktober
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jces.v6i4.38148

Abstract

Abstrak: Rendahnya literasi politik masyarakat dan minimnya pemahaman mengenai etika kepemimpinan masih menjadi permasalahan dalam pelaksanaan pemilihan di tingkat lokal. Kondisi tersebut berpotensi memengaruhi kualitas demokrasi dan menghasilkan pemimpin yang kurang berintegritas. Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan pemahaman masyarakat Kelurahan Ampenan Selatan mengenai etika kepemimpinan dan prinsip keadilan dalam pemilihan pemimpin lokal. Kegiatan dilaksanakan melalui metode ceramah interaktif, diskusi kelompok terarah, serta simulasi sederhana pemilihan beretika. Peserta kegiatan berjumlah tujuh orang yang terdiri atas perangkat kelurahan dan perwakilan masyarakat, termasuk Ibu Lurah Ampenan Selatan. Evaluasi dilakukan menggunakan pre-test dan post-test untuk mengukur peningkatan pemahaman peserta. Hasil kegiatan menunjukkan adanya peningkatan tingkat pemahaman peserta dari 54% pada pre-test menjadi 84% pada post-test. Selain peningkatan pengetahuan, peserta juga menunjukkan perubahan sikap yang lebih kritis terhadap praktik pemilihan yang tidak sesuai dengan prinsip etika dan keadilan. Kegiatan ini menunjukkan bahwa sosialisasi berbasis edukasi partisipatif dapat menjadi sarana efektif dalam meningkatkan literasi politik dan membangun kesadaran etis masyarakat di tingkat kelurahan.Abstract: Low political literacy and limited public understanding of leadership ethics remain significant challenges in local election practices. These conditions may affect the quality of democracy and lead to the emergence of leaders with limited integrity. This community service program aimed to enhance residents’ understanding of leadership ethics and principles of justice in local elections in Ampenan Selatan Subdistrict. The activities were conducted using interactive lectures, focused group discussions, and a simple ethical election simulation. The program involved seven participants consisting of community representatives and local government officials, including the Head of Ampenan Selatan Subdistrict. Evaluation was carried out through pre-test and post-test assessments. The results indicated an increase in participants’ understanding from 54% in the pre-test to 84% in the post-test. In addition to knowledge improvement, participants demonstrated a more critical attitude toward unethical election practices. This program suggests that participatory educational socialization is effective in improving political literacy and fostering ethical awareness at the local community level.
PENANAMAN AKHLAK DAN FIQH LINGKUNGAN MELALUI GERAKAN SEDEKAH ALAM PADA SISWA SDN 27 AMPENAN Mukhlishin, Mukhlishin; Z, Sahman; Urifah, Dewi; Khaerunnisa, Khaerunnisa
JCES (Journal of Character Education Society) Vol 6, No 1 (2023): Januari
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jces.v6i1.38149

Abstract

Abstrak: Krisis lingkungan yang sedang dihadapi di seluruh dunia saat ini dianggap sebagai gambaran dari permasalahan etika dan moralitas dalam interaksi antara manusia dan lingkungan. Program ini bertujuan untuk menanamkan prinsip-prinsip Akhlak Lingkungan dan Fiqh Lingkungan kepada siswa di SDN 27 Ampenan melalui Gerakan Sedekah Alam dan program Edukasi Green. Kegiatan ini merupakan implementasi dari konsep Green Campus berbasis pendidikan. Sasaran utamanya adalah siswa di SDN 27 Ampenan, dengan 48 peserta yang aktif berpartisipasi dalam praktik penanaman. Metodologi yang digunakan adalah deskriptif-partisipatif melalui penyuluhan interaktif, pembuatan poster edukasi, dan workshop penanaman pohon (Sedekah Alam). Hasil dari kegiatan ini menunjukkan bahwa pemahaman siswa mengenai tanggung jawab terhadap lingkungan meningkat. Secara kualitatif, siswa mampu mengintegrasikan nilai kepedulian terhadap lingkungan dalam pembelajaran akhlak dan memberikan respons positif bahwa merawat tanaman merupakan bentuk kepatuhan (ta'abudi). Secara kuantitatif, kegiatan ini berhasil melakukan penanaman 15 bibit sebagai bagian dari pelaksanaan Sedekah Alam. Program ini berhasil menciptakan pemahaman bahwa menanam pohon mengandung nilai Sedekah Jariyah (berdasarkan perspektif hukum Islam) dan merupakan manifestasi dari Akhlak Memelihara Alam.Abstract: The current environmental crisis faced worldwide is seen as a reflection of ethical and moral issues in the interaction between humans and the environment. This program aims to instill the principles of Environmental Morality and Environmental Fiqh to students at SDN 27 Ampenan through the Nature Charity Movement and the Green Education program. This activity is an implementation of the education-based Green Campus concept. The main target is students at SDN 27 Ampenan, with 48 participants actively participating in planting practices. The methodology used is descriptiveparticipatory through interactive counseling, educational poster creation, and tree planting workshops (Nature Charity). The results of this activity indicate that students' understanding of environmental responsibility has increased. Qualitatively, students are able to integrate the value of environmental care into moral learning and provide a positive response that caring for plants is a form of obedience (ta'abudi). Quantitatively, this activity succeeded in planting 15 seedlings as part of the implementation of Nature Charity. This program has succeeded in creating an understanding that planting trees contains the value of Sedekah Jariyah (based on an Islamic legal perspective) and is a manifestation of the Morality of Caring for Nature.
PENGUATAN AKHLAK LINGKUNGAN DALAM PENGELOLAAN LINGKUNGAN KAMPUS PADA MAHASISWA ILMU KESEHATAN Mukhlishin, Mukhlishin; Z, Sahman; Urifah, Dewi; Khaerunnisa, Khaerunnisa
JCES (Journal of Character Education Society) Vol 6, No 2 (2023): April
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jces.v6i2.38146

Abstract

Abstrak: Kerusakan lingkungan yang semakin meningkat mencerminkan rendahnya kesadaran masyarakat, termasuk kalangan akademik, terhadap pentingnya akhlak dalam menjaga dan melestarikan alam. Program pengabdian kepada masyarakat ini bertujuan untuk menganalisis implementasi nilai-nilai akhlak dalam pengelolaan lingkungan pada mahasiswa ilmu kesehatan serta mengidentifikasi faktor-faktor yang memengaruhinya. Kegiatan pengabdian dilaksanakan melalui program edukasi dan pendampingan yang difokuskan pada penguatan akhlak ekologis, pemanfaatan sumber daya secara bijak, serta pembiasaan perilaku ramah lingkungan dalam kehidupan kampus. Metode pelaksanaan dilakukan dalam beberapa tahap berikut: Tahap 1 Persiapan dan Identifikasi Masalah, Tahap 2 Sosialisasi dan Edukasi Akhlak Lingkungan, Tahap 3 Pelatihan Praktik Pengelolaan Lingkungan Kampus, Tahap 4 Implementasi Program Aksi Lingkungan, dan Tahap 5 Monitoring, Refleksi, dan Evaluasi. Hasil kegiatan menunjukkan bahwa mahasiswa ilmu kesehatan memiliki tingkat kesadaran akhlak lingkungan yang relatif baik, khususnya dalam aspek kebersihan dan tanggung jawab penggunaan sumber daya. Namun demikian, partisipasi aktif mahasiswa dalam kegiatan pelestarian lingkungan secara kolektif masih tergolong rendah dan memerlukan penguatan lebih lanjut. Temuan ini menegaskan pentingnya edukasi ekologis yang berkelanjutan dan terintegrasi dalam aktivitas akademik guna membentuk kesadaran ekologis serta tanggung jawab moral mahasiswa sebagai calon tenaga kesehatan yang berperan dalam menjaga kesehatan manusia dan lingkungan.Abstract: The increasing environmental damage reflects the low awareness of the public, including academics, on the importance of morals in protecting and preserving nature. This community service program aims to analyze the implementation of moral values in environmental management in health science students and identify the factors that affect them. Service activities are carried out through education and mentoring programs that focus on strengthening ecological morals, using resources wisely, and habituating environmentally friendly behavior in campus life. The implementation method is carried out in the following stages: Stage 1 Preparation and Problem Identification, Stage 2 Socialization and Environmental Ethics Education, Stage 3 Training in Campus Environmental Management Practices, Stage 4 Implementation of the Environmental Action Program, and Stage 5 Monitoring, Reflection, and Evaluation. The results of the activity showed that health science students have a relatively good level of environmental moral awareness, especially in the aspects of cleanliness and responsibility for the use of resources. However, the active participation of students in environmental conservation activities collectively is still relatively low and needs further strengthening. These findings affirm the importance of sustainable and integrated ecological education in academic activities to form ecological awareness and moral responsibility of students as prospective health workers who play a role in maintaining human health and the environment.
PENYULUHAN HUKUM DAN AKHLAK RUMAH TANGGA ISLAMI SEBAGAI UPAYA PENGUATAN KETAHANAN KELUARGA PADA PASANGAN MUDA DI DESA BINAAN AMPENAN Mukhlishin, Mukhlishin; Z, Sahman; Urifah, Dewi; Khaerunnisa, Khaerunnisa
JCES (Journal of Character Education Society) Vol 6, No 3 (2023): Juli
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jces.v6i3.38147

Abstract

Abstrak: Kegiatan pengabdian ini bertujuan untuk memberikan penyuluhan tentang Hukum dan Akhlak Rumah Tangga Islami sebagai upaya untuk memperkuat ketahanan keluarga dan mengurangi potensi konflik serta perceraian pada pasangan muda di Desa Binaan. Sebagai komunitas yang sedang menghadapi tantangan tingginya kasus perselisihan di usia pernikahan dini dan kurangnya pemahaman mengenai hak dan kewajiban suami istri di kecamatan ampenan membutuhkan solusi yang lebih terstruktur dan berlandaskan hukum serta nilai-nilai agama. Program penyuluhan ini, yang terintegrasi dari materi Hukum Keluarga Islam (KHI) dan nilai-nilai akhlak mulia, dapat digunakan sebagai alternatif preventif untuk meningkatkan komunikasi efektif dan keharmonisan keluarga, sekaligus solusi pengelolaan konflik rumah tangga yang sesuai syariat. Melalui penyuluhan ini, masyarakat khususnya pasangan muda diberikan pengetahuan dan keterampilan untuk membangun rumah tangga yang sakinah, mawaddah, wa rahmah secara mandiri, yang tidak hanya mengurangi jumlah perselisihan tetapi juga meningkatkan kualitas sosial dan psikologis keluarga secara alami. Diharapkan, kegiatan ini dapat mengurangi angka perceraian, memperbaiki kualitas hubungan antar anggota keluarga, dan mendukung keberlanjutan tatanan sosial masyarakat yang Islami di ampenan, mataram. NTB. Hasil dari kegiatan ini diharapkan dapat membawa dampak positif terhadap spiritualitas, stabilitas sosial, dan mental kesehatan masyarakat setempat.Abstract: This service activity aims to provide counseling on Islamic Household Law and Morals as an effort to strengthen family resilience and reduce the potential for conflict and divorce in young couples in the Assisted Village. As a community that is facing the challenges of high cases of disputes at the age of early marriage and lack of understanding of the rights and obligations of husband and wife in Ampenan sub-district needs a more structured solution based on law and religious values. This counseling program, which is integrated from Islamic Family Law (KHI) material and noble moral values, can be used as a preventive alternative to improve effective communication and family harmony, as well as a solution to manage domestic conflicts in accordance with sharia. Through this counseling, the community, especially young couples, is given the knowledge and skills to build a sakinah, mawaddah, wa rahmah household independently, which not only reduces the number of disputes but also improves the social and psychological quality of the family naturally. It is hoped that this activity can reduce the divorce rate, improve the quality of relationships between family members, and support the sustainability of the Islamic social order in Ampenan, Mataram. NTB. The results of this activity are expected to have a positive impact on the spirituality, social stability, and mental health of the local community.
PENINGKATAN KEBERSIHAN LINGKUNGAN WISATA MELALUI KEGIATAN KERJA BAKTI DI TAMAN LOANG BALOQ Mukhlishin, Mukhlishin; Muhiburrahman, Muhiburrahman; Fauzan, Dawud Dzakwan
Jurnal Pengabdian Ruang Hukum Vol 3, No 2 (2024): JULI
Publisher : Universitas Muhammadiyah Mataram

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

Abstract

Permasalahan yang ditimbulkan dari pembuangan sampah sembarangan dapat mengakibatkan masalah besar bagi lingkungan terutama di tempat-tempat wisata. Artikel ini secara khusus membahas kegiatan kerja bakti di taman Loang Baloq, yang mana masih terdapat wisatawan membuang sampah sembarangan dan masih kurangnya pengetahuan tentang cara menjaga lingkungan yang baik. Kegiatan ini merupakan pengabdian terhadap lingkungan di taman Loang Baloq. Tujuan pengabdian ini adalah untuk meningkatkan kebersihan dan keindahahan taman Loang Baloq yang nyaman dan ramah bagi wisatawan dan masyarakat lokal. Melalui kegiatan ini, diharapkan tercipta lingkungan yang lebih bersih, terawat, dan asri, sehingga mampu mendukung daya tarik taman sebagai destinasi wisata lokal. Metode pelaksanaan kegiatan pengabdian ini dilakukan melalui beberapa tahap yang terstruktur, yaitu persiapan awal dan survei lokasi, koordinasi dengan pihak terkait, persiapan peralatan kerja bakti dan pelaksanaan kerja bakti. Kegiatan ini dilakukan oleh satu kelompok yang terdiri dari delapan orang. Partisipasi aktif dari seluruh peserta menunjukkan semangat gotong royong dan tanggung jawab bersama dalam menjaga kebersihan taman Loang Baloq. Keberhasilan dalam kegiatan ini sangat terlihat yaitu dengan tercapainya tujuan utama, yaitu menciptakan lingkungan yang bersih, indah, dan nyaman. Keberhasilan kegiatan kerja bakti di Taman Loang Baloq juga tidak hanya terlihat dari terciptanya lingkungan yang lebih bersih dan asri, tetapi juga dari peningkatan soft skill dan hard skill para peserta. Melalui kerja sama dan koordinasi, peserta mampu mengasah kemampuan komunikasi, kepemimpinan, dan kerja tim. Selain itu, kegiatan seperti membersihkan dan merapikan taman dapat meningkatkan keterampilan peserta dalam pengelolaan lingkungan. Dengan kombinasi kedua kemampuan ini, peserta tidak hanya berkontribusi pada pelestarian lingkungan, tetapi juga memperoleh pengalaman berharga yang dapat diterapkan dalam kehidupan sehari-hari.