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All Journal Jurnal Asy-Syari'ah Jurnal Mirai Management Syntax Literate: Jurnal Ilmiah Indonesia EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) GUYUB: Journal of Community Engagement Jurnal Sosial dan Teknologi Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah ALMUJTAMAE: Jurnal Pengabdian Masyarakat DEVELOPMENT : Journal of Community Engagement Jurnal Ekonomi, Bisnis dan Manajemen Journal of Comprehensive Science Journal of Indonesian Sharia Economics SENTRI: Jurnal Riset Ilmiah Jurnal Pengabdian Masyarakat Bhinneka Profit: Jurnal Manajemen, Bisnis dan Akuntansi Journal of Artificial Intelligence and Digital Business Mizania : Jurnal Ekonomi dan Akuntansi Innovative: Journal Of Social Science Research Money: Journal of Financial and Islamic Banking Advances In Social Humanities Research Jurnal Budaya, Pariwisata, dan Ekonomi Kreatif Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Ecobankers : Journal of Economy and Banking Jurnal Cendekia Ilmiah Ash-Shidqu: Jurnal Ekonomi Syariah Journal of Islamic Economic Development
Vidiati, Cory
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Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mechanical Engineering Public Health Social Sciences Other

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Implementasi Prinsip Kehati-Hatian Untuk Mencegah Gagal Bayar dan Fraud dalam Fintech Syariah: Studi Kasus Pada Layanan PayLater Hasanah, Nurul; Vidiati, Cory
Jurnal Mirai Management Vol 11, No 1.1
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v11i1.10497

Abstract

Perusahaan fintech yang mengalami pertumbuhan pesat di Indonesia tidak hanya memberikan kemudahan bagi penggunanya, tetapi juga menghadirkan berbagai risiko yang perlu diperhatikan, terutama risiko gagal bayar dan penyalahgunaan data (fraud). Salah satu layanan yang rentan terhadap risiko tersebut adalah Buy Now PayLater (BNPL). Dalam konteks fintech syariah, penerapan prinsip kehati-hatian (prudential principle) menjadi hal yang sangat penting untuk memastikan operasional bisnis tetap sesuai dengan nilai-nilai syariah serta melindungi kepentingan konsumen. Penelitian ini bertujuan untuk menganalisis penerapan prinsip kehati-hatian dalam upaya mencegah risiko gagal bayar dan fraud pada layanan PayLater berbasis syariah. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan data sekunder yang diperoleh melalui studi kepustakaan dari jurnal ilmiah, laporan Otoritas Jasa Keuangan (OJK), dan literatur relevan lainnya. Hasil penelitian menunjukkan bahwa penerapan prinsip kehati-hatian melalui analisis 5C, 4P, dan 3R serta penggunaan sistem Electronic Know Your Customer (e-KYC) mampu meminimalisir risiko gagal bayar dan potensi fraud. Selain itu, peran OJK melalui pengawasan dan penerapan regulasi seperti POJK No. 77 Tahun 2016 dan POJK No. 13 Tahun 2018 juga memperkuat tata kelola serta perlindungan konsumen dalam ekosistem fintech syariah. Dengan demikian, penerapan prinsip kehati-hatian secara optimal dapat menjadi langkah preventif dalam menjaga stabilitas dan keberlanjutan bisnis fintech syariah di Indonesia. Kata kunci: Fintech Syariah; Prinsip kehati-hatian; Risiko Gagal Bayar; Fraud; PayLater.
Transformasi Digital Perbankan Melalui Open Banking dan API: Kajian Literatur dan Studi Kasus pada Aplikasi Livin’ by Mandiri Dillawati, Rhisma; Vidiati, Cory
Jurnal Mirai Management Vol 11, No 1.1
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v11i1.10493

Abstract

Transformasi digital telah menjadi pendorong utama perubahan dalam industri perbankan Indonesia, salah satunya melalui penerapan open banking dan Application Programming Interface (API). Artikel ini menganalisis perkembangan konsep open banking serta implementasinya melalui studi kasus aplikasi Livin’ by Mandiri. Penelitian menggunakan pendekatan kualitatif berbasis kajian literatur dan analisis data sekunder terkait fitur, regulasi, serta performa layanan digital Bank Mandiri. Hasil kajian menunjukkan bahwa open banking memungkinkan kolaborasi yang lebih luas antara bank dan pihak ketiga, sehingga meningkatkan inovasi produk, efisiensi operasional, dan pengalaman pengguna. Studi kasus pada Livin’ by Mandiri memperlihatkan bahwa integrasi API mampu mendukung layanan pembayaran, top-up, direct debit, serta konektivitas dengan berbagai platform digital. Meski demikian, implementasi open banking masih menghadapi tantangan, terutama terkait keamanan data, kesiapan infrastruktur, serta literasi digital nasabah. Penelitian ini menegaskan bahwa API dan open banking berperan penting sebagai fondasi transformasi digital perbankan di Indonesia. Kata kunci: open banking, API, transformasi digital perbankan, inovasi layanan keuangan, Livin’ by Mandiri
The Eco-Agriculture Pivoted on Maqāṣid Asy-Syarī’ah: A Qualitative Dynamic System Analysis for Food Security Vidiati, Cory; Ridwan, Ahmad Hasan; Lathifaturahmah; Selasi, Dini; Cahyano, Heru; Safrudin, Irfan; Sahid, Mualimin Mochammad
Asy-Syari'ah Vol. 27 No. 2 (2025): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v27i2.38920

Abstract

This study aims to create a sustainable and innovative agricultural ecosystem by emphasising the importance of human effort in critically assessing and sustaining their lives amid unpredictable natural conditions. By employing a dynamic qualitative approach and developing a reproducible analysis model, we gathered primary data through observations and interviews in Sarwadadi Village, Talun, Cirebon, alongside secondary data from online research publications. The findings revealed strong collaboration among farmers, local government, academics, and agricultural experts; the potential for eco-friendly and productive land use; and the establishment of a conceptual model for the qualitative dynamics of environmental conservation (fiqh al-bī’ah), which includes system analysis, problem identification, and interventions aimed at achieving desired outcomes for the future of eco-agriculture. However, this study does have its limitations, notably the omission of Vensim model analysis, which requires quantitative data.
INOVASI PEMANFAATAN LIMBAH KULIT PISANG SEBAGAI PRODUK PANGAN SEHAT: WORKSHOP PEMBERDAYAAN MASYARAKAT DESA DURAJAYA CIREBON Vidiati, Cory; Rosidah, Rosidah; Habibah, Fadiyah Putri Nur; Ahyar, Aldi Musthofainal; Rahmanto, Agus; Janan, Nabila; Afika, Ayu; Alifia, Tasya; Maula, Ripdatul; Hernawati, Rita; Ramadhani, Nurhalimah; Negarawati, Esa; Pratiwi, Rina Ari; Alimna, Fika; Alifa, Alifa
DEVELOPMENT: Journal of Community Engagement Vol. 5 No. 1 (2026): Maret
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/5kqttr68

Abstract

Banana peel waste in rural areas stays an unresolved environmental problem, even though peels contain useful nutrients like fiber, vitamins, and antioxidants. Durajaya Village in Cirebon Regency is among the largest banana transit centers, producing large volumes of peel waste every day. This community program aimed to improve residents' skills, including people with disabilities, in turning banana peels into nuggets as a potential home-based business. The program covered three stages: preparation, implementation, and evaluation, using a practical training method. Participants learned about the nutritional value of banana peels, safe processing techniques, and recipe ideas. Thirty-five people joined, including PKK mothers, local youth, and individuals with disabilities. About 90 percent of participants successfully made banana peel nuggets on their own, with good taste and a clear grasp of the nutritional benefits. Follow-up evaluation showed some participants had already used the product at home and considered it a small business option. The program boosted skills, raised awareness about organic waste use, and supported disability group involvement in productive economic activities. One limitation was that the final products were not tested in a laboratory for nutritional content.
Strengthening Inclusive Businesses for Disability Communities: Digital Marketing and Legality of Red Ginger Powder Products Selasi, Dini; Vidiati, Cory; Munajim, Ahmad; Kanapi, Fadli Firdaus; Rahayu, Yayuk Sri
GUYUB: Journal of Community Engagement Vol 7, No 1 (2026): Maret
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/guyub.v7i1.14259

Abstract

 Limited access to marketing, business legality, and digital technology often hinders the economic participation of persons with disabilities, including the Village Disabled Community (KDD) in Lemahabang Village, Cirebon Regency, which produces red ginger powder drinks. This community service aims to strengthen the inclusive business capacity of KDD through digital marketing development and regulatory compliance in order to increase product credibility and market reach. The program applied the Asset-Based Community Development (ABCD) approach through asset identification, participatory discussions and training, asset-based program development, program implementation, and monitoring and evaluation. Data were collected through observation, interviews, documentation, and focus group discussions, validated using triangulation techniques, and analyzed using SWOT analysis. The results indicate measurable improvements in business capacity. First, KDD successfully obtained business legality through the Business Identification Number (NIB) and initiated the process of P-IRT and halal certification to ensure product safety and consumer trust. Second, digital marketing strategies were implemented through social media promotion and improved inclusive product packaging, enabling broader market exposure. Third, collaboration with community stakeholders strengthened social entrepreneurship values and expanded marketing networks. These achievements demonstrate that strengthening legality, digital marketing capacity, and community collaboration can enhance the economic participation and confidence of persons with disabilities while improving the sustainability of red ginger product businesses.
Analysis of Digital Marketing Strategies in Encouraging SHaria Investment towards Economic Growth in Indonesia Pratama, Gama; Selasi, Dini; Vidiati, Cory; Salsabila, Syafira
Journal of Islamic Economic Development Vol. 1 No. 1 (2023): Journal of Islamic Economic Development
Publisher : P3M - STAI Kuningan

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

Abstract

In this modern era, the acceptance of technology and the internet in society is widespread, so it is not surprising that digital marketing activities have become the main choice in doing business. Investment is the process of allocating a number of resources, such as money, time, and effort, into an asset or project with the aim of gaining profits in the future. In making investments, we must understand the risks involved and carry out proper analysis before making a decision. This research uses a qualitative research method with a descriptive, evaluative approach. The social impacts and conditions in question are the past, present, and even future conditions. It is also related to other objects such as social, economic, and cultural, as well as history and other social sciences. Digital marketing plays a very important role in introducing investment because it can help increase company profits, brand awareness, website traffic, conversions, and sales. Apart from that, digital marketing can also provide an opportunity for a company to understand consumer behavior more wisely so that it becomes an efficient tool for introducing investment. Currently, Indonesian people can take advantage of several Sharia-based investment instruments or instruments which, of course, have received permits and are registered with the Financial Services Authority (OJK). Then, this investment was strengthened by the legal basis of the Sharia Council or Indonesian Ulema Council (DSNMUI). Sharia investment can contribute directly to reality and optimally in overall economic growth. However, it should be noted that the contribution of sharia investment is fluctuating and has yet to be able to drive the rate of economic growth in Indonesia ideally.
The Influence of Fintech nn The Efficinecy and Stability of The Sharia Financial System Vidiati, Cory; Cucu Putria, Andieni
Journal of Islamic Economic Development Vol. 1 No. 1 (2023): Journal of Islamic Economic Development
Publisher : P3M - STAI Kuningan

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Abstract

The influence of Financial Technology (Fintech) on the efficiency and stability of the Islamic financial system has become the center of attention in modern financial literature. This research uses a literature study method to investigate the impact of Fintech in the context of Islamic finance. The main findings show that Fintech adoption has positively contributed to operational efficiency, reduced administrative costs, and increased accessibility of Islamic financial services. However, the regulatory challenges faced in balancing technological innovation and Sharia principles are a major highlight. In addition, the literature describes risks related to technological changes that can affect the stability of the Islamic financial system. This research provides recommendations for increasing cooperation between Islamic financial institutions and Fintech start-ups, developing responsive regulations, and expanding empirical research to test the impact of Fintech directly. In conclusion, this research provides in-depth insights into the evolution of Islamic finance in the Fintech era, providing a basis for better understanding and developing relevant policies.
Co-Authors Afika, Ayu Ahyar, Aldi Musthofainal Alifa, Alifa Alifia, Tasya Alimna, Fika Amelia, Mila Angoy, Raisalam D. Arie Pratama, Fidya Arnelia Putri Pratiwi Auliah, Siti Avwa, Pina Ainul Cahyano, Heru Cucu Putria, Andieni Dapiah Dillawati, Rhisma Erlinda, Ela Faiz Amin, Nur M. Fernando, Ardi Habibah, Fadiyah Putri Nur Hernawati, Rita Heru Cahyono Hikmah, Anur Ihdalumam, Abdy Irfan Safrudin Janan, Nabila Kanapi, Fadli Firdaus Kasnawi, Kasnawic Kharimah, Kharimah Kodriyah, Dewi Laeliyah, Rizka Lathifaturahmah Lela, Citra Lubaba, Abu Maula, Ripdatul Mohammad Ridwan Muhammad Ridwan Munajim, Ahmad Mustaqiem, Akhmad Imam Najwa, Friska Nauroh, Izzwah Negarawati, Esa Nurazizah, Tia Nursindi, Mita Nurul Hasanah Penty, Penty Pratama, Gama Pratama, Yahya Huda Pratiwi, Ayu Alfiani Pratiwi, Rina Ari Rahmanto, Agus Rahmawati, Linda Tri Ramadhani, Nurhalimah Ridwan, Ahmad Hasan Rofik, Akhmad Rosalin, Nicha Rosidah Rosidah Sahaya, Aini Sahid, Mualimin Mochammad Salsabila, Syafira Selasi, Dini Sinta, Ida Siswahyudianto Subagja, Gilang Suharto, Taufik Hidayat SUKIRNO Sundayana, Aditia Susanti Susanti Yasin, Muhamad Mufti Yasin, Muhammad Mufti Yayuk Sri Rahayu Yulia, Devi