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All Journal Jurnal Tapis : Jurnal Teropong Aspirasi Politik Islam CARADDE: Jurnal Pengabdian Kepada Masyarakat Jurnal Abdimas Mahakam International Journal of Economics, Business and Accounting Research (IJEBAR) Information Science and Library Almufi Journal of Measurement, Assessment, and Evaluation Education (AJMAEE) MES Management Journal Mutanaqishah: Journal of Islamic Banking International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) International Journal of Economics (IJEC) Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA) KENDALI: Economics and Social Humanities Research Horizon Khidmatuna: Jurnal Pengabdian Masyarakat Jurnal Media Akademik (JMA) kawanad International Journal of Islamic Economics (IJIE) Journal Serambi Engineering (JSE) IJIMCE : International Journal of Innovation in Mechanical Construction and Energy Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi Mahogany Journal De Social
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ANCAMAN TRANSFORMASI DIGITAL DAN DISRUPSI DIGITAL TERHADAP KEBERLANGSUNGAN UMKM DENGAN RESILIENSI SEBAGAI VARIABEL MODERASI Rian Saputra; Hanif; Yulistia Devi
Jurnal Media Akademik (JMA) Vol. 3 No. 11 (2025): JURNAL MEDIA AKADEMIK Edisi November
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/1awy0k11

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh ancaman transformasi digital dan disrupsi digital terhadap keberlangsungan Usaha Mikro, Kecil, dan Menengah (UMKM) dengan resiliensi sebagai variabel moderasi pada UMKM di Kota Bandar Lampung. Transformasi digital yang semakin cepat serta munculnya berbagai bentuk disrupsi teknologi membawa tantangan bagi pelaku UMKM untuk beradaptasi dalam menghadapi perubahan lingkungan bisnis yang dinamis. Oleh karena itu, resiliensi dipandang sebagai faktor penting yang dapat memperkuat kemampuan UMKM dalam menghadapi tekanan dan ketidakpastian di era digital. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui penyebaran kuesioner secara online dan offline kepada pelaku UMKM di Kota Bandar Lampung. Jumlah responden dalam penelitian ini sebanyak 100 pelaku usaha yang dipilih dengan metode purposive sampling. Analisis data dilakukan menggunakan Partial Least Square (SmartPLS) untuk menguji hubungan langsung dan efek moderasi antar variabel. Hasil penelitian menunjukkan bahwa ancaman transformasi digital tidak berpengaruh signifikan terhadap keberlangsungan UMKM, sedangkan disrupsi digital berpengaruh negatif dan signifikan terhadap keberlangsungan UMKM. Selain itu, resiliensi tidak berperan signifikan sebagai variabel moderasi dalam hubungan antara ancaman digital dan keberlangsungan usaha. Temuan ini mengindikasikan bahwa meskipun UMKM memiliki kemampuan bertahan, namun tingkat resiliensi tersebut belum cukup kuat untuk menekan dampak negatif disrupsi digital. Penelitian ini memberikan implikasi bagi pelaku UMKM untuk memperkuat literasi digital, inovasi, dan ketahanan usaha (resiliensi) agar mampu beradaptasi dengan perubahan lingkungan bisnis yang cepat. Pemerintah daerah juga diharapkan dapat mendukung program pendampingan digitalisasi dan penguatan kapasitas adaptif UMKM agar keberlangsungan usaha dapat terjaga secara berkelanjutan.
Students' Understanding of Government Regulations in TransactionsShopee E-Commerce yadi, Hendri; Asriani; Hanif; Moh Mukri; Sitti Aminah Baharuddin
JURNAL TAPIS Vol 22 No 2 (2025): Jurnal Tapis : Jurnal Teropong Aspirasi Politik Islam
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/tps.v22i2.28355

Abstract

The rapid development of e-commerce has transformed student consumption behavior, with Shopee becoming one of the most popular platforms due to its ease and speed of service. However, despite this convenience, many users still do not understand their rights as consumers, particularly regarding product authenticity, refund policies, and personal data privacy. This study aims to analyze students' level of understanding of government regulations regarding consumer protection in transactions on the Shopee platform. The method used was descriptive qualitative, with data collected through surveys and in-depth interviews with one hundred active Shopee student users from four universities in Bandar Lampung. The results showed that only 30% of respondents had a good understanding of consumer protection policies, while the other 70% still had little understanding. These findings indicate low legal and digital literacy among students as digital consumers, which makes them vulnerable to fraud and unfair business practices. This study concludes that improving digital and legal literacy for consumers is necessary to enable them to protect their rights independently. In addition, the government and e-commerce platforms need to strengthen regulations, public education, oversight, and collaboration in creating a fair and secure digital transaction ecosystem.
Community Responses to Climate Change: Adaptive Practices in Coastal Villages of Java Kharisma, Boby; Hanif
Mahogany Journal De Social Vol. 2 No. 4 (2025): Mahogany Journal De Social (MJDS)
Publisher : Generasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/mjds.v2i4.232

Abstract

Climate change poses a significant threat to Indonesia’s coastal communities as rising sea levels, coastal flooding, saltwater intrusion, and declining marine resources disrupt livelihoods and settlement security. Coastal villages in Java, characterized by dense populations and dependence on fisheries and agriculture, provide an important setting to understand local adaptive strategies. This study examines how these communities respond to climate pressures by integrating traditional knowledge, socio-cultural resilience, and institutional support. A qualitative case study design was combined with descriptive surveys involving 420 respondents in four villages. Data collection included semi-structured interviews, focus group discussions, household surveys, and field observations. Thematic analysis was used to interpret qualitative insights, while descriptive statistics illustrated major adaptation trends. Findings indicate that climate impacts are predominantly experienced through coastal flooding (72%), reduced fish catches (68%), and saltwater intrusion (61%). Common adaptation practices include mangrove planting (70%), adjusting fishing seasons (62%), and elevating houses (55%). Support from government and NGOs is visible in mangrove rehabilitation (65%) and preparedness training (58%), yet remains limited in financial assistance (40%) and access to climate information (45%). Overall, communities exhibit resilience rooted in solidarity and local wisdom, but adaptation is still hindered by economic constraints and insufficient long-term institutional support.
ANALISIS STRATEGI PENINGKATAN PEMASARAN EDC MERCHANT PADA BANK SYARIAH INDONESIA AREA BANDAR LAMPUNG Dianti, Ledi Risvi; Hanif; Syarif, Ahmad Hazas
KENDALI: Economics and Social Humanities Vol. 4 No. 2 (2025): KENDALI: Economics and Social Sciences Humanities.
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i2.977

Abstract

Penelitian ini bertujuan untuk menganalisis strategi pemasaran mesin Electronic Data Capture (EDC) pada Bank Syariah Indonesia (BSI) Area Bandar Lampung. Latar belakang penelitian didasari oleh fakta bahwa jumlah mesin EDC di tingkat nasional terus mengalami peningkatan, sementara di Provinsi Lampung justru mengalami penurunan. Kondisi ini mengindikasikan adanya pergeseran preferensi pelaku usaha ke metode pembayaran digital lain, sehingga strategi pemasaran BSI perlu ditinjau kembali. Penelitian ini menggunakan pendekatan kualitatif yang mengandalkan wawancara, observasi, serta dokumentasi, serta pendukung berupa studi kepustakaan. Penelitian ini menerapkan teknis analisis SWOT guna mengungkap aspek kekuatan, kelemahan, peluang, serta ancaman, lalu dikaitkan dengan kerangka Marketing Mix 7P. Hasil penelitian menunjukkan bahwa BSI lebih menekankan strategi pemasaran berbasis bauran pemasaran 7P dibandingkan pendekatan segmentasi, targeting, dan positioning. Kekuatan utama BSI terletak pada citra halal, layanan cepat tanggap, dan sistem pemantauan transaksi yang stabil, sementara kelemahan utamanya adalah beban Merchant Discount Rate (MDR). Peluang dapat dimanfaatkan melalui promosi variatif dan pendekatan langsung ke merchant, sedangkan tantangan berasal dari perkembangan teknologi dan kebutuhan peremajaan sistem. Penelitian ini menyarankan BSI untuk melakukan penyesuaian MDR, memperkuat inovasi layanan digital, serta mengoptimalkan promosi dan loyalitas merchant guna meningkatkan efektivitas pemasaran EDC.
THE INFLUENCE OF THE HUMAN DEVELOPMENT INDEX, POPULATION, AND PROVINCIAL MINIMUM WAGE ON THE UNEMPLOYMENT RATE BY AN ISLAMIC ECONOMIC PERSPECTIVE IN LAMPUNG PROVINCE, 2019-2023 Utomo, Salsabrina Nanda Saski; Hanif; Fitri, Ainul
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 9 No 4 (2025): IJEBAR, VOL. 09 ISSUE 04, DECEMBER 2025
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v9i4.18415

Abstract

This study aims to analyze the influence of the Human Development Index, inhabitants Size, andProvincial Minimum Wage on the Unemployment Rate in Lampung Province over a five-year period,by 2019 to 2023. This study was employed by an Islamic economic perspective. The method used isa quantitative approach, collecting secondary data by the Central Statistics Agency covering 15districts and cities in Lampung Province. The analysis was employed utilizing panel data regressionby the hand of Eviews 12 software. The outcomes drew that the human enhancement index andinhabitants have a favorable and substantial influence on the unemployment rate, whilst theprovincial minimum wage has a favorable but insubstantial influence. This study gives importantexplanations regarding the human enhancement index, inhabitants, and provincial minimum wageon the unemployment rate by an Islamic economic perspective, that encourages its followers to workand produce, even making it an obligation for those who are able. This study emphasizes the needfor effective policies to enhance the public assistance of the society in order to overcome the problemof unemployment in Lampung.
The Effect of Inflation, BI Rate, and Exchange Rate on Murabahah Financing with Gold Price Moderation Muammar; Hanif; Nur Wahyu Ningsih
Mutanaqishah: Journal of Islamic Banking Vol. 6 No. 1 (2026): January - June
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v6i1.3309

Abstract

Purpose – This study uses the price of gold as a moderating variable to investigate how inflation, the BI Rate, and the rupiah exchange rate affect murabahah funding at Islamic commercial banks between 2015-2024. Methodology – The impact of independent variables on the dependent variable is investigated in this study using quantitative methods and multiple linear regression. The moderating variable is tested using moderation regression analysis. Findings – According to the study, murabahah finance is positively affected by inflation and the rupiah exchange rate, but not by the BI Rate. Based on the moderation regression test results, gold prices can mitigate the effects of inflation on murabahah finance, but they cannot mitigate the effects of the rupiah exchange rate or the BI Rate. Implications – Islamic banks should pay more attention to changes in inflation and exchange rates when managing murabahah financing. They should continue emphasizing the benefits of the fixed margin system, which does not depend on interest rates. Future research is expected to incorporate additional variables that reflect internal banking dynamics and broader macroeconomic conditions. Originality – The originality of this research is, first, the research period on murabahah financing over the past 10 years, which will certainly yield different findings due to the different time frame used. Second, the price of gold has not been examined as a moderating factor for murabahah financing in Islamic commercial banks.
Co-Authors Adiana, Fari Rafi Agung Frasetya Agus Kurniawan Agus Kurniawan Ahmad Fauzul Hakim Hasibuan Aina Edi Putri Aningrum, Risma Hadisti Arif Hidayat Arliansyah Asriani Candra Mayana, Hendri Deny Sumantri Mangkuwinata Dianti, Ledi Risvi Falahuddin Fallonne, Anitia Emalia Febrian Maulana Putra, Febrian Maulana Fitri, Ainul Fitriani, Amalia Fuadi Hendri Yadi HENDRIYADI Heni Verawati Henny Irawati Ichsan Indra Mawardi Iskandar, Shantyalaila Noor Karima, Nurul Khairol Mizan Us Khairul Amri Kharisma, Boby MALIK, ANAS Maureen Marsenne Meita Sekar Sari Moh. Mukri Muammar Muhammad Hafizh Muhammad Iqbal Fasa Munardi Nasirwan Nasirwan Nur Wahyu Ningsih Okta Supriyaningsih Padli Raisman Akbari Puput Eka Lestari Putra, Fito Ade Razali, Ramadhan Reza Juanda rian saputra Rosdiana Satria, Fiqih Shahida, Nabila Nur Sir Anderson Sitti Aminah Baharuddin Suhendar Suhendar, Suhendar Syamsul Hilal Syarif, Hazas Tesa Amanda Tulus Suryanto Utomo, Salsabrina Nanda Saski Yeni Susanti Yulistia Devi