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All Journal Penentuan harga obligasi dan teori tingkat bunga Jurnal Sekretari Universitas Pamulang International Journal Of Science, Technology & Management (IJSTM) International Journal of Social Learning (IJSL) Journal of Research and Publication Innovation ZIJEn: Zabags International Journal of Engagement Jurnal Ilmu Manajemen Dan Pendidikan Jurnal Riset Multidisiplin Edukasi Progressus Humanitatis
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Determinants of Savings Preferences Among Rural Villagers in Banten Jamaludin, Nur; Mutawali; Amalia Rismanty, Vidya; Adelia, Fadillah
Jurnal SEKURITAS (Saham, Ekonomi, Keuangan dan Investasi) Vol. 9 No. 1 (2025): JURNAL SEKURITAS
Publisher : Prodi Manajemen Universitas Pamulang

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Abstract

This study investigates the determinants influencing saving decisions among Undrus villagers in the Banten region of Indonesia. The research examines six main factors: Islamic banking knowledge, social environment support, socialization of Islamic banks, accessibility to Islamic banks, religiosity, and understanding of the riba prohibition. Data were collected from 90 respondents selected through the Slovin method and accidental sampling technique. Employing a quantitative approach, the study utilizes multinomial logistic regression analysis using IBM SPSS 25 to explore the saving preferences among three categories: saving in Islamic banks, saving in conventional banks, and saving in neither. The findings reveal that religiosity significantly influences saving behavior, evidenced by a p-value of 0.021 (p < 0.05). The Negelkerke R² value of 0.394 indicates that the model explains 39.4% of the variance in saving preferences, while 60.6% is influenced by other factors not included in this model. This research contributes to a deeper understanding of rural saving behavior and provides insights for policymakers and Islamic financial institutions to strengthen financial inclusion and literacy in rural communities.
Technical Assistance to Improve the Efficiency and Accuracy of Financial Report Archiving at the Regional Disaster Management Agency Muhammad Havis; Abidin, Zaenal; Kurniawan; Mutawali; Hasnan
Zabags International Journal of Engagement Vol. 3 No. 2 (2025): Engagement
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijen.v3i2.37

Abstract

This study aims to enhance the efficiency and accuracy of financial report archiving at the Regional Disaster Management Agency (BPBD) of Tanjung Jabung Timur through a technical assistance program implemented by students from the Sharia Economic Law Study Program at Institut Islam Al-Mujaddid Sabak. Sound archival management of financial documents is critical for accountable public financial governance, particularly in agencies that frequently manage emergency budgets and public aid. Employing a qualitative phenomenological approach, data were collected via participant observation, semi-structured interviews, and document review, and were analyzed thematically with triangulation to ensure credibility. Findings indicate that the technical assistance yielded measurable improvements in archival procedures: a structured classification system was introduced, retrieval times were reduced, and initial steps toward digital archiving were adopted. The intervention also fostered greater staff awareness of public accountability and ethical principles rooted in Islamic economic law, such as amanah (trust) and transparency. The study contributes theoretically by linking archival management and public financial governance in a disaster-response context, and practically by offering a replicable model of university-led technical assistance for strengthening local government archival capacity.
Co-Authors Abimanyu Ahmad Alfarel Adelia, Fadillah Amalia Rismanty, Vidya Aprilia Putri Nadzwa Arifianto, Chandra Arifianto, Chandra Fitra Elvan Rizky Hidayat Fajrina Saripudin, Banafsya Hasnan Indradewa, Rhian Kurniawan Lola Lorienza Mohammad Imadudin Mohammad Raffly Ramadhan Muhammad havis Muhammad Rifki Ramadhani Muntaki Nelsa Amalia Selvy Dwi Widiyanti Silviana, Ratu Subekti, Heny Zaenal Abidin