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All Journal Nominal: Barometer Riset Akuntansi dan Manajemen al-Uqud : Journal of Islamic Economics Jurnal Bisnis Dan Kajian Strategi Manajemen Coopetition : Jurnal Ilmiah Manajemen Darmabakti : Junal Pengabdian dan Pemberdayaan Masyarakat Jurnal Pengabdian Pada Masyarakat Indonesia (JPPMI) Islamic Economic and Business Journal Jurnal Pengabdian Masyarakat Indonesia (JPMI) Sahmiyya: Jurnal Ekonomi dan Bisnis Velocity: Journal of Sharia Finance and Banking NGARSA: Journal of Dedication Based on Local Wisdom Wealth: Journal of Islamic Banking and Finance International Journal of Islamic Business and Economics (IJIBEC)
Mohammad Rosyada
Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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STRATEGI PEMASARAN BANK SYARIAH UNTUK MENINGKATKAN DAYA SAING UMKM Karomah, Lu'luil; Mohammad Rosyada; Aditya Agung Nugraha
Sahmiyya: Jurnal Ekonomi dan Bisnis Vol 4, No 2 November 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

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Abstract

Perbankan syariah mengalami perkembangan yang signifikan seiring meningkatnya kebutuhan masyarakat terhadap layanan keuangan yang sesuai dengan prinsip Islam. Dalam situasi persaingan industri yang semakin intens, strategi pemasaran menjadi faktor kunci untuk menjaga sekaligus memperluas pangsa pasar. Penelitian ini bertujuan menganalisis strategi pemasaran yang digunakan bank syariah dalam meningkatkan daya saing di tengah kompetisi perbankan modern. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan studi literatur, melalui telaah berbagai artikel, jurnal, dan penelitian terdahulu mengenai pemasaran bank syariah. Temuan penelitian menunjukkan bahwa strategi pemasaran yang dijalankan bank syariah berperan penting dalam memperkuat daya saing dengan menekankan pemahaman kebutuhan pasar, segmentasi nasabah, serta kepatuhan pada prinsip syariah yang menolak praktik riba. Selain itu, bagi pelaku UMKM halal, strategi berbasis nilai Islami menjadi kebutuhan mendesak untuk mampu bersaing secara global. Studi ini juga melibatkan wawancara dengan pelaku UMKM halal dan kajian literatur yang relevan. Hasil penelitian mengindikasikan bahwa penerapan manajemen bisnis syariah dapat meningkatkan kinerja operasional, kepercayaan konsumen, dan loyalitas pasar. Prinsip halal, transparansi keuangan, serta pemasaran berbasis etika Islami terbukti mendukung pertumbuhan pangsa pasar dan daya saing UMKM. Dengan demikian, model manajemen bisnis syariah dapat menjadi fondasi penting bagi pengembangan UMKM halal yang berkelanjutan di era ekonomi kontemporer
Analisis Implementasi Good Corporate Governance (GCG) pada Bank Syariah Indonesia (BSI) Pasca Awal Merger Mulyanti, Irma Dwi; Mohammad Rosyada; Caroline Ambarsari Sutarman
Sahmiyya: Jurnal Ekonomi dan Bisnis Vol 4, No 2 November 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

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Abstract

Penggabungan tiga bank syariah menjadi BSI membawa tantangan integrasi yang menuntut penguatan GCG untuk menjaga stabilitas dan kepercayaan publik. Penelitian ini bertujuan untuk menganalisis implementasi Good Corporate Governance (GCG) pada Bank Syariah Indonesia (BSI) pasca awal merger tiga bank syariah milik Himbara, yaitu BRI Syariah, BNI Syariah, dan Bank Syariah Mandiri. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan studi pustaka, dengan sumber utama berupa Laporan GCG BSI tahun 2021 serta dokumen pendukung dari jurnal dan artikel ilmiah terkait. Hasil penelitian menunjukkan bahwa penerapan GCG di BSI telah berjalan cukup baik dengan capaian peringkat “baik” pada penilaian internal serta memperoleh pengakuan eksternal melalui predikat “Most Trusted Company” pada tahun 2021. Prinsip transparansi, akuntabilitas, dan responsibilitas sudah diimplementasikan dengan konsisten, sementara aspek independensi dan kewajaran masih menghadapi tantangan, terutama terkait komposisi Dewan Komisaris Independen, penyesuaian budaya kerja, serta harmonisasi sistem layanan. Kesimpulan dari penelitian ini adalah BSI telah membangun fondasi tata kelola yang baik meskipun masih terdapat kelemahan yang perlu diperbaiki agar konsistensi tata kelola dapat terjaga. Saran yang diajukan meliputi konsolidasi budaya organisasi, penguatan independensi, optimalisasi teknologi informasi, serta perbaikan berkelanjutan untuk memperkokoh daya saing BSI di tingkat global.
Influence of Digital Marketing, Brand Image, and Service Quality on Nasabah Decision to Use Indonesia Syariah Bank Services (Case Study of Generation Z in Tegal City) Alawiyah, Nafisatul; Mohammad Rosyada
Wealth: Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025): Wealth: Journal of Islamic Banking and Finance
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v4i2.14782

Abstract

Digital transformation in the Industrial Revolution 4.0 era has driven the banking sector, including BSI, to offer technology-based services such as the BYOND by BSI application. Generation Z is the main target due to their high digital engagement. However, their interest and understanding of Islamic banking remain varied, especially in Tegal City, where participation is still low despite a Muslim majority. This study analyzes the influence of digital marketing, brand image, and service quality on Generation Z’s decision to use BSI services in Tegal City. This research employed a quantitative approach with a survey method and associative causal type. The population comprised Generation Z aged 18–28 years, with a sample of 96 respondents selected through purposive sampling. Data were collected using a questionnaire with Likert scale and analyzed through validity, reliability, classical assumption tests, multiple linear regression, and hypothesis testing with SPSS. The results indicate that digital marketing and service quality have a positive and significant effect on Generation Z’s decision to use BSI services, while brand image does not have a significant partial effect. However, simultaneously, the three variables have a positive and significant influence. These findings suggest that strengthening digital marketing strategies and improving service quality are dominant factors in influencing young customers’ decisions.
The Role of Financial Technology in Enhancing Cloud Accounting Adoption in the Banking Sector: Evidence from Palestinian Banks Raed Abueid; Kuat Ismanto; Mohammad Rosyada
International Journal of Islamic Business and Economics (IJIBEC) Vol 10 No 1 (2026): Volume 10 Nomor 1 Tahun 2026
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/r2gstq81

Abstract

This study aims to examine the role of financial technology (FinTech) in enhancing the adoption of cloud accounting within banks operating in Yatta City, Palestine. The research specifically investigates the influence of FinTech dimensions, including financial technology applications, digital platforms, and technological techniques, on the effectiveness of cloud accounting implementation in the banking sector. The study employed a quantitative research design using a structured questionnaire distributed to employees of Palestinian banks. A total of 28 valid responses were collected and analyzed using descriptive statistics and simple regression analysis to evaluate the relationship between FinTech adoption and cloud accounting practices. The findings indicate that the adoption of financial technology among Palestinian banks is relatively high, particularly in the use of digital banking applications, automated teller machines, and mobile banking services. Cloud accounting implementation was also perceived positively by employees, especially regarding accessibility, operational efficiency, data integration, and financial information security. Regression analysis revealed a statistically significant positive relationship between financial technology and cloud accounting adoption. Among the examined dimensions, financial technology applications showed the strongest influence, followed by technological techniques and digital platforms. This study contributes to the literature on digital transformation in banking by integrating FinTech and cloud accounting perspectives in a developing-country context. The findings provide practical insights for policymakers and banking institutions to strengthen digital accounting infrastructure, improve financial service delivery, enhance employee digital competencies, and invest in secure cloud-based financial systems to support sustainable banking innovation.
Pemberdayaan Ekonomi Keluarga Melalui Budidaya Lele dalam Galon: Solusi Ketersediaan Protein dan Peduli Lingkungan Bambang Sri Hartono; Mohammad Rosyada; Muhammad Taufiq Abadi
Ngarsa: Journal of Dedication Based on Local Wisdom Vol. 6 No. 1 (2026): Ngarsa: Journal of Dedication Based on Local Wisdom
Publisher : LP2M UIN Kiai Haji Achmad Siddiq Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ngarsa.v6i1.584

Abstract

Kebonsari Village, Karangdadap District, Pekalongan Regency, Indonesia, faces challenges related to limited access to protein-rich foods and low environmental awareness, underscoring the need for sustainable community empowerment programs. This community service project aimed to improve protein availability through catfish farming in gallon containers, promote economic self-reliance by creating simple income-generating opportunities suitable for limited spaces, foster environmental awareness through the utilization of organic waste, and enhance community skills in aquaculture and harvest marketing. The program adopted the Participatory Action Research (PAR) approach, consisting of problem identification, planning, implementation, and reflection. Activities included FGD, training on catfish farming in gallon containers, organic waste utilization, basic marketing strategies, and continuous mentoring for 40 participants. Data were analyzed using descriptive, comparative, and qualitative methods. The results showed a 54% increase in participants' knowledge (from 27% to 81%). A total of 92% of participants successfully cultivated catfish, with survival rates ranging from 70% to 85%; 80% achieved market-size harvests; and 70% expressed interest in expanding the activity into a small-scale business. The use of organic waste as fish feed increased to 76%, resulting in 25%–40% savings in feed costs. These findings demonstrate that catfish farming in gallon containers is an effective community empowerment model for simultaneously improving nutrition, economic resilience, and environmental awareness, with strong potential for replication in communities with similar characteristics. Keywords: Family Economic Empowerment; Catfish Farming in Gallon Containers; Protein Availability. Abstrak: Desa Kebonsari, Kecamatan Karangdadap, Kabupaten Pekalongan, menghadapi rendahnya ketersediaan pangan berprotein dan rendahnya kesadaran lingkungan, sehingga diperlukan program pemberdayaan masyarakat yang berkelanjutan. Kegiatan pengabdian ini bertujuan untuk meningkatkan ketersediaan protein melalui budidaya lele dalam galon, mendorong kemandirian ekonomi dengan menyediakan peluang usaha sederhana yang dapat dilakukan di lahan sempit, menumbuhkan kesadaran lingkungan melalui pemanfaatan limbah organik, serta meningkatkan keterampilan warga dalam teknik budidaya dan pemasaran hasil panen. Metode pengabdian menggunakan Participatory PAR melalui tahapan identifikasi masalah, perencanaan, pelaksanaan, dan refleksi. Kegiatan meliputi FGD, pelatihan budidaya lele dalam galon, pemanfaatan limbah organik, strategi pemasaran, serta pendampingan bagi 40 peserta. Data dianalisis secara deskriptif, komparatif, dan kualitatif. Hasil menunjukkan bahwa pengetahuan peserta meningkat sebesar 54% (dari 27% menjadi 81%). Sebanyak 92% berhasil membudidayakan lele dengan tingkat kelangsungan hidup 70–85%, 80% mencapai ukuran panen, dan 70% berminat mengembangkan usaha. Pemanfaatan limbah organik sebagai pakan meningkat menjadi 76% dengan efisiensi biaya 25–40%. Model ini efektif dalam meningkatkan gizi, ekonomi, dan kepedulian terhadap lingkungan serta layak direplikasi. Kata kunci: Pemberdayaan Ekonomi Keluarga, Budidaya Lele dalam Galon, Solusi Ketersediaan Protein
Pengelolaan Sampah Terpadu untuk Kelestarian Lingkungan dan Peningkatan Ekonomi Masyarakat Desa Mohammad Rosyada; Tedi Sigit Pramono; Wildana Liziaroti; Nur Intisah; Muhammad Falih Zuhaid; Oktavia Maulatul Mu’tiqoh
Ngarsa: Journal of Dedication Based on Local Wisdom Vol. 5 No. 1 (2025): Ngarsa: Journal of Dedication Based on Local Wisdom
Publisher : LP2M UIN Kiai Haji Achmad Siddiq Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ngarsa.v5i1.544

Abstract

Waste is a critical issue in Sidomulyo Village, Pekalongan Regency, primarily due to the absence of a designated disposal facility. As a result, residents dispose of waste by burning or burying it, causing environmental pollution, public health risks, and long-term ecological damage. To address this, a waste bank initiative was introduced to promote sustainable waste management and increase community awareness. The waste bank serves not only as a means of processing waste but also as an educational tool to encourage environmental responsibility through the 3R principles: reduce, reuse, and recycle. The program employed the Asset-Based Community Development (ABCD) approach, focusing on empowering local resources and capacities. Activities included community engagement, village clean-up with waste separation, and seminars on waste bank management. Findings indicate a significant increase in public awareness regarding household waste management. Moreover, the waste bank has contributed positively to both environmental cleanliness and household economic improvement. This model demonstrates that participatory and asset-based approaches can effectively promote sustainable waste solutions in rural communities. Keywords: Waste bank, Environmental sustainability, Economic empowerment  Abstrak: Sampah merupakan masalah serius di Desa Sidomulyo, Kabupaten Pekalongan, yang disebabkan oleh belum tersedianya tempat pembuangan sampah. Akibatnya, masyarakat membuang sampah dengan cara dibakar atau ditimbun, yang berdampak pada pencemaran lingkungan, risiko kesehatan, dan kerusakan ekologis jangka panjang. Untuk mengatasi hal ini, program bank sampah diperkenalkan guna mendorong pengelolaan sampah berkelanjutan serta meningkatkan kesadaran masyarakat. Bank sampah tidak hanya berfungsi sebagai sarana pengolahan sampah, tetapi juga sebagai alat edukatif untuk menumbuhkan tanggung jawab lingkungan melalui prinsip 3R: reduce, reuse, dan recycle. Program ini menggunakan pendekatan Asset-Based Community Development (ABCD) yang berfokus pada pemberdayaan potensi lokal. Kegiatan meliputi pendekatan komunitas, kerja bakti pemilahan sampah, dan seminar pengelolaan bank sampah. Hasil menunjukkan peningkatan kesadaran masyarakat terhadap pentingnya pengelolaan sampah rumah tangga. Selain menjaga kebersihan lingkungan, bank sampah juga memberikan kontribusi positif terhadap peningkatan ekonomi keluarga. Model ini membuktikan bahwa pendekatan partisipatif dan berbasis aset efektif untuk solusi pengelolaan sampah di wilayah perdesaan. Kata kunci: Bank sampah, Kelestarian lingkungan, Peningkatan ekonomi
DETERMINANTS OF INTEREST IN USING E-WALLETS IN TRANSACTIONS BETWEEN MUSLIM TRADERS AND CONSUMERS: FINANCIAL LITERACY, PERCEPTION OF EASE AND PERCEPTION OF RISK: (CASE STUDY IN THE TRADITIONAL MARKETS OF PEKALONGAN CITY) Weni Novia Lestari; Mohammad Rosyada
Islamic Economic and Business Journal Vol. 8 No. 1 (2026): Islamic Economic and Business Journal
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v8i1.12137

Abstract

This study aims to analyze the influence of financial literacy, perceived ease of use, and perceived risk on the interest in using e-wallets in transactions between Muslim traders and consumers in traditional markets in Pekalongan City. This quantitative study used a questionnaire as a data collection instrument with a sample of 96 respondents taken using a purposive sampling technique. The collected data were then processed using Eviews. The results showed that financial literacy had a positive and significant influence on the interest in using e-wallets. However, perceived ease and perceived risk do not influence interest in using e-wallets. However, simultaneously, financial literacy, perceived ease of use, and perceived risk had a significant influence on the interest in using e-wallets
Co-Authors Aditya Agung Nugraha Alawiyah, Nafisatul Anah Wigiawati Bambang Sri Hartono Caroline Ambarsari Sutarman Henti Nuraeni Karomah, Lu'luil Kuat Ismanto Lestari, Khofifah Trisnah Lutfiyanah Lutfiyanah Lutfiyanah, Lutfiyanah maulidia, heny Muhammad Falih Zuhaid Muhammad Taufiq Abadi Mulyanti, Irma Dwi Nabil Melvin, Muhammad Sholahuddin Nafsiyah Nafsiyah Nur Intisah Oktavia Maulatul Mu’tiqoh Palupi, Yuniarsih Endah Raed Abueid Sri Hartono, Bambang Tamamudin Tedi Sigit Pramono Weni Novia Lestari Wildana Liziaroti