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All Journal Journal of Economics and Business UBS Jurnal Penelitian Geografi (JPG) Jurnal Pendidikan Indonesia (Japendi) Advances In Social Humanities Research Journal of Village Development Innovation Islamic Civilization and History
Yulia, Devi
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Agriculture, Biological Sciences & Forestry Humanities Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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The Role of Digital Islamic Economy in Increasing Financial Inclusion in the Fintech Era yulia, Devi; Vidiati, Cory; Nursindi, Mita
Advances In Social Humanities Research Vol. 2 No. 12 (2024): Advances In Social Humanities Research
Publisher : Sahabat Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/adv.v2i12.320

Abstract

This research aims to explore the role of digital Islamic economics in increasing financial inclusion, with a focus on the use of sharia fintech in countries with a majority Muslim population. With a qualitative approach through literature studies, this study identifies how financial technologies that are in line with the principles of Islamic economics can expand access to fair and inclusive financial services. Research findings show that sharia-based fintech, such as sharia microloans, contribute significantly to people's economic empowerment, reduce economic inequality, and encourage greater participation in the digital economy, especially among women and youth. However, challenges related to regulation and understanding of technology are obstacles that need to be overcome. This study provides recommendations for the development of policies that support sharia fintech and strengthen digital literacy among the community. The results of this study are expected to provide guidance for policymakers and fintech companies in designing more inclusive services.
Traces of Islamic Civilization in Sustainable Development: An Ecosocial History Perspective of the Islamic World Yulia, Devi; Hanipah; Cahyati, Ananda Tri; Muarif, Muhamad Ari; Ridwan, Mohammad
Islamic Civilization and History Vol. 2 No. 1 (2025): Islamic Civilization and History
Publisher : Sekolah Tinggi Agama Islam Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59784/qishoh.v2i1.8

Abstract

The current discourse on sustainable development is often dominated by the technocratic and secular Western paradigm, while the historical contributions of non-Western civilizations, especially Islam, have received less academic attention. This article aims to explore the values and historical practices in classical Islamic civilization that reflect the principles of sustainable development, emphasizing the ecosocial dimension of history as the main analytical approach. The method used is qualitative research with a historical-thematic approach, through a literature study of primary and secondary sources from three major Islamic civilization cities: Baghdad, Córdoba, and Timbuktu. The analytical techniques used include data reduction, thematic categorization, and hermeneutic interpretation of texts and social-ecological practices. The results show that classical Islamic civilization has applied the principles of social justice, ecological balance, and spiritual responsibility in urban governance, agricultural systems, water management, and social institutions such as waqf. The intellectual contributions of Muslim figures in the fields of science, agriculture, and architecture also laid the foundation for a holistic development framework. This research confirms that maqāṣid al-sharī'ah values have high relevance to the Sustainable Development Goals (SDGs) and can be an alternative to today's development paradigm that is more ethical and contextual. The findings are expected to enrich the development discourse with a history- and value-based Islamic perspective.
Pengembangan Pendidikan Karakter Jujur dan Adil: Analisis dari Perspektif Al-Qur'an Yulia, Devi; Nailul Muna, Anel
Jurnal Pendidikan Indonesia Vol. 4 No. 12 (2023): Jurnal Pendidikan Indonesia (Japendi)
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v5i1.2661

Abstract

Jujur dan adil merupakan sifat terpuji yang penting dimiliki dalam pergaulan. Hal ini karena berhubungan dengan Hablum minannas. Jika hubungan kita dengan manusia tidak baik dan belum bisa mendapatkan maaf dari orang yang kita dholimi tersebut, maka Allah juga tidak bisa memberikannya ampunan. Dengan demikian, maka peneliti mencoba untuk menganalisis pendidikan jujur dan adil prespektif Al Qur’an. Penelitian ini bertujuan untuk menguraikan pendidikan jujur dan adil perspektif Al Qur’an. Penelitian ini menggunakan pendekatan kualiatif dan jenis penelitiannya adalah penelitian kepustakaan yang berfokus pada kajian isi. Hasil penelitian menunjukkan bahwa pendidikan jujur dan adil telah diajarkan sejak zaman nabi Muhammad. Jujur yang dimaksud dalam penelitian ini adalah jujur dalam berjual beli dan tidak mengurangi timbangan. Sedangkan adil di sini adalah mencari kebenaran terlebih dahulu sebelum menghukumi sesuatu. Kesimpulan menunjukan pendidikan jujur dan adil diajarkan dalam Al Qur’an agar diberlakukan kepada semua orang tanpa pandang bulu.
Persepsi Wisatawan Terhadap Obyek Wisata Pantai Tirtayasa Desa Way Tataan Kecamatan Teluk Betung Timur Yulia, Devi; Asyik, Buchori; Zulkarnain, Zulkarnain
Jurnal Penelitian Geografi (JPG) Vol 8, No 2 (2020): Jurnal Penelitian Geografi (JPG)
Publisher : Universitas Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/jpg.v8i2.19722

Abstract

The research purpose was to obtain the information about tourists' perceptions of Tirtayasa Beach Tourism Objects. This research uses a descriptive method. The population in this study was tourists visiting Tirtayasa Beach Tourism Object. The method of determining the sample in this study was accidental sampling of 30 respondents. Data collection techniques carried out by observation, interviews, questionnaires and documentation. Data analysis technique is percentage analysis. The results showed that: (1) tourists' perceptions of the attractiveness of Tirtayasa Beach are not attractive compared to other attractions in Lampung Bay. (2) tourists stated that Tirtayasa Beach Tourism Object facilities are incomplete and not maintained. (3) tourists said the security situation of Tirtayasa Beach Tourism Object is not safe. (4) promotion and information of Tirtayasa Beach Tourism Object is not optimal. (5) Tirtayasa Beach Tourism Object cannot compete with other tourism objects in Lampung Bay with the current condition.Penelitian ini bertujuan untuk mendapatkan informasi mengenai persepsi wisatawan terhadap Obyek Wisata Pantai Tirtayasa. Penelitian ini menggunakan metode deskriptif. Populasi pada penelitian ini adalah wisatawan yang berkunjung ke Obyek Wisata Pantai Tirtayasa. Metode penentuan sampel dalam penelitian ini adalah accidental sampling sebanyak 30 responden. Teknik pengumpulan data dilakukan dengan cara observasi, wawancara, kuesioner dan dokumentasi. Teknik analisis data menggunakan analisis persentase. Hasil penelitian menunjukan bahwa: (1) persepsi wisatawan mengenai daya tarik Pantai Tirtayasa tidak menarik dibandingkan dengan obyek wisata lain yang ada di Teluk Lampung. (2) wisatawan menyatakan bahwa fasilitas Obyek Wisata Pantai Tirtayasa tidak lengkap dan tidak terawat. (3) wisatawan keadaan keamanan Obyek Wisata Pantai Tirtayasa tidak aman bagi wisatawan. (4) promosi dan informasi Obyek Wisata Pantai Tirtayasa kurang optimal (5) Obyek Wisata Pantai Tirtayasa kalah bersaing dengan obyek wisata Teluk Lampung dengan keadaan saat ini.Kata kunci: persepsi, wisatawan, pantai tirtayasa
ESG Managerial Dilemmas in Microfinance Institutions: A Phenomenological Study of Practices and Values Widya; Yulia, Devi
Journal of Village Development Innovation Vol. 2 No. 1 (2025): Journal of Village Development Innovation
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jvdi.v2i1.9

Abstract

The application of Environmental, Social, and Governance (ESG) principles in Microfinance Institutions (MFIs) is increasingly becoming a global concern, but presents its own challenges at the managerial level. MFI managers are often faced with ethical dilemmas between commitments to sustainability and operational pressures, especially in complex socio-economic contexts. This study aims to explore managers' subjective experiences in dealing with ESG managerial dilemmas and how local values influence decision-making. The method used is an interpretative phenomenology approach with in-depth interview techniques with 10 MFI managers in Indonesia. Data were analyzed through five stages of Interpretative Phenomenological Analysis (IPA), accompanied by observation and policy document analysis as triangulation. The results show four main forms of dilemma: (1) ESG compliance versus financial targets, (2) local social interests versus global ESG standards, (3) transparency versus operational confidentiality, and (4) ethical ambiguity in managerial decisions. Managers do not simply follow formal procedures, but navigate dilemmas through personal values, intuition, and community dialog. In conclusion, the implementation of ESG in MFIs demands a contextualized, reflective, and adaptive approach. This study emphasizes the importance of a flexible and local value-based ethical framework as part of the ESG strategy. This study also offers a theoretical contribution through strengthening the experiential dimension in microfinance ESG studies.
Peran Bank Syariah dalam Meningkatkan Ekonomi Mikro Umat Viky, Muhammad; Widya, Widya; Amelia, Amelia; Yulia, Devi; Surya Wijaya, Abi
Journal of Economics and Business UBS Vol. 12 No. 5 (2023): Special Issue
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/joeb.v12i5.635

Abstract

Peran bank syariah dalam meningkatkan ekonomi mikro umat atau UMKM sangat membantu dalam permodalan usaha. Sistem yang ditawarkan berlandaskan dengan sistem kenyamanan, keimanan, dan kepercayaan serta berlandaskan keislaman. Akan tetapi minat Masyarakat untuk mengajukan pinajamn di bank syariah masih cukup rendah akaiabat minimnya pengetahuan tentang system pinjaman modal di bank syariah. Penelitian ini memiliki tiga tujuan utama, yaitu pertama, untuk menginvestigasi peran bank syariah dalam pembiayaan Usaha Mikro, Kecil, dan Menengah (UMKM). Kedua, untuk menggali minat UMKM dalam memperoleh pembiayaan dari bank syariah. Dan ketiga, untuk mengidentifikasi kendala yang dihadapi oleh nasabah UMKM saat mengajukan pinjaman ke bank syariah. Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian kualitatif. dengan menggunakan data primer, yang pengumpuan datanya dilakukan dengan wawancara terhadap responden atau informan. Peran bank syariah dalam upaya membantu permodalan UMKM sangat baik. Bank syariah memebrikan pinjaman tanpa bunga dan berazaskan keimanna dan konsep syari. Hal tersebut meringankan pelaku UMKM untuk mengajukana pinjaman modal usaha dalam hal mengembanagkan usahanya dalam hal ini usaha anyaman atap alan-alang
Co-Authors Amelia Amelia Buchori Asyik Cahyati, Ananda Tri Hanipah Mohammad Ridwan Muarif, Muhamad Ari Nailul Muna, Anel Nursindi, Mita Surya Wijaya, Abi Vidiati, Cory Viky, Muhammad Widya Widya Widya, Widya Zulkarnain Zulkarnain