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Pendampingan Ibu Rumah Tangga dalam Mengelola Sampah Basah Menjadi Pupuk yang Bernilai Ekonomi Nanik Eprianti; Neng Dewi Himayasari; Ilham Mujahid
JPPM (Jurnal Pengabdian dan Pemberdayaan Masyarakat) VOL. 7 NOMOR 1 MARET 2023 JPPM (Jurnal Pengabdian dan Pemberdayaan Masyarakat)
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jppm.v7i1.9471

Sampah merupakan sisa makanan atau barang yang dianggap tidak ada manfaatnya, sampah bisa menjadi sumber penyakit jika dibiarkan tanpa ada pengeloaan yang tepat. Namun jika sampah dikelola dengan baik, maka sampah akan memberikan manfaat untuk masyarakat. Salah satunya menjadi pupuk alami dalam menyuburkan tanah untuk tanaman dan sayuran. Tujuan penelitian ini untuk mengetahui tingkat kesadaran masyarakat pada sampah basah yang bernilai ekonomi. Metode yang digunakan dalam penelitian ini ialah analisis deskriptif dengan jenis penelitian kualitatif. Teknik pengumpulan data ialah observasi dan study kepustakaan. Hasil penelitiaan ini menunjukan meningkatnya ilmu pengetahuan dan wawasan masyarakat mengenai manajemen sampah sehingga memberikan kesadaran masyarakat dalam pengurangan dan penanganan sampah yaitu menerapkan proses 3R (Reuse, Recycle dan Reduce) terhadap sampah, sehingga menjadi sesuatu yang bernilai ekonomis serta terciptanya lingkungan hidup menjadi bersih, udara segar dan memberikan kesehatan bagi lingkungan masyarakat serta menambah pendapatan bagi masayarakat.

Tinjauan Etika Bisnis Islam pada Jasa Makelar Jual Beli Mobil Bekas Medsos Indah Nur Fauziah; Nanik Eprianti; Iwan Permana
Jurnal Riset Perbankan Syariah Volume 2, No. 1, Juli 2023, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v2i1.2003

Abstract. Business transaction activities sometimes require mediators or brokers, especially in buying and selling transaction activities, at this time it also occurs in the business sector of buying and selling used cars through social media. In practice, brokers are often not transparent in offering cars to consumers by not providing objective information regarding the actual condition of the vehicle, so that consumers feel disadvantaged. Which indicates that this raises many potential violations in terms of Islamic business ethics. Based on this, this study aims to determine and analyze the mechanism of brokerage services in buying and selling used cars through social media, and to find out the review of Islamic business ethics on brokerage services in buying and selling used cars through social media. The research method used is analytical descriptive to review the suitability of the broker's service mechanism in buying and selling used cars through social media with the principles of Islamic business ethics. The results of the study show that the mechanism of brokerage services in buying and selling used cars through social media, especially what happens on the FB account of Bandung X Used Car Buying and Selling is carried out in two ways which provide opportunities for the broker to get fees from both the seller and the buyer, and the brokerage service mechanism in buying and selling used cars through social media, especially what happened to the Bandung X Used Car Buying and Selling FB account, are not in accordance with the principles of Islamic business ethics, especially from the aspect of the principles of justice, the principle of free will, the principle of responsibility, and the principle of honesty. Abstrak. Kegiatan transaksi bisnis terkadang memerlukan mediator atau makelar khususnya dalam kegiatan transaksi jual beli pada saat ini juga terjadi pada sector bisnis jual beli mobil bekas melalui media sosial. Pada praktiknya, pihak makelar seringkali tidak transparan dalam menawarkan mobil kepada konsumen dengan tidak memberikan keterangan secara objektif terkait kondisi kendaraan yang sebenarnya, sehingga konsumen merasa dirugikan. Yang mana hal ini terindikasi banyak menimbulkan potensi pelanggaran dari sisi etika bisnis Islam. Berdasarkan hal tersebut, maka penelitian ini bertujuan untuk mengetahui dan menganalisis mekanisme jasa makelar dalam jual beli mobil bekas melalui media sosial, dan untuk mengetahui tinjauan etika bisnis Islam pada jasa makelar dalam jual beli mobil bekas melalui media sosial. Metode penelitian yang digunakan adalah deskriptif analitis untuk meninjau sejauhmana tingkat kesesuaian mekanisme jasa makelar dalam jual beli mobil bekas melalui media sosial dengan prinsip-prinsip etika bisnis Islam. Hasil penelitian menunjukkan bahwa mekanisme jasa makelar dalam jual beli mobil bekas melalui media sosial khususnya yang terjadi pada akun FB Jual Beli Mobil Bekas Bandung X dilakukan melalui dua cara yang memberikan peluang pihak makelar mendapatkan fee dari penjual maupun pembeli, dan mekanisme jasa makelar dalam jual beli mobil bekas melalui media sosial khususnya yang terjadi pada akun FB Jual Beli Mobil Bekas Bandung X belum sesuai dengan prinsip-prinsip etika bisnis islam terutama dari aspek prinsip keadilan, prinsip kehendak bebas, prinsip tanggung jawab, dan prinsip kejujuran.

Tinjauan Etika Bisnis Islam pada Jasa Makelar Jual Beli Mobil Bekas Medsos Indah Nur Fauziah; Nanik Eprianti; Iwan Permana
Jurnal Riset Perbankan Syariah Volume 2, No. 1, Juli 2023, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v2i1.2003

Abstract. Business transaction activities sometimes require mediators or brokers, especially in buying and selling transaction activities, at this time it also occurs in the business sector of buying and selling used cars through social media. In practice, brokers are often not transparent in offering cars to consumers by not providing objective information regarding the actual condition of the vehicle, so that consumers feel disadvantaged. Which indicates that this raises many potential violations in terms of Islamic business ethics. Based on this, this study aims to determine and analyze the mechanism of brokerage services in buying and selling used cars through social media, and to find out the review of Islamic business ethics on brokerage services in buying and selling used cars through social media. The research method used is analytical descriptive to review the suitability of the broker's service mechanism in buying and selling used cars through social media with the principles of Islamic business ethics. The results of the study show that the mechanism of brokerage services in buying and selling used cars through social media, especially what happens on the FB account of Bandung X Used Car Buying and Selling is carried out in two ways which provide opportunities for the broker to get fees from both the seller and the buyer, and the brokerage service mechanism in buying and selling used cars through social media, especially what happened to the Bandung X Used Car Buying and Selling FB account, are not in accordance with the principles of Islamic business ethics, especially from the aspect of the principles of justice, the principle of free will, the principle of responsibility, and the principle of honesty. Abstrak. Kegiatan transaksi bisnis terkadang memerlukan mediator atau makelar khususnya dalam kegiatan transaksi jual beli pada saat ini juga terjadi pada sector bisnis jual beli mobil bekas melalui media sosial. Pada praktiknya, pihak makelar seringkali tidak transparan dalam menawarkan mobil kepada konsumen dengan tidak memberikan keterangan secara objektif terkait kondisi kendaraan yang sebenarnya, sehingga konsumen merasa dirugikan. Yang mana hal ini terindikasi banyak menimbulkan potensi pelanggaran dari sisi etika bisnis Islam. Berdasarkan hal tersebut, maka penelitian ini bertujuan untuk mengetahui dan menganalisis mekanisme jasa makelar dalam jual beli mobil bekas melalui media sosial, dan untuk mengetahui tinjauan etika bisnis Islam pada jasa makelar dalam jual beli mobil bekas melalui media sosial. Metode penelitian yang digunakan adalah deskriptif analitis untuk meninjau sejauhmana tingkat kesesuaian mekanisme jasa makelar dalam jual beli mobil bekas melalui media sosial dengan prinsip-prinsip etika bisnis Islam. Hasil penelitian menunjukkan bahwa mekanisme jasa makelar dalam jual beli mobil bekas melalui media sosial khususnya yang terjadi pada akun FB Jual Beli Mobil Bekas Bandung X dilakukan melalui dua cara yang memberikan peluang pihak makelar mendapatkan fee dari penjual maupun pembeli, dan mekanisme jasa makelar dalam jual beli mobil bekas melalui media sosial khususnya yang terjadi pada akun FB Jual Beli Mobil Bekas Bandung X belum sesuai dengan prinsip-prinsip etika bisnis islam terutama dari aspek prinsip keadilan, prinsip kehendak bebas, prinsip tanggung jawab, dan prinsip kejujuran.

INCREASING SHARIA FINANCIAL LITERATURE WITH ONLINE MEDIA DURING THE COVID-19 PANDEMIC (Case Study on SMEs Registered at the Department of Cooperatives and SMEs Bandung Regency) Yayat Rahmat Hidayat; M Andri Ibrahim; Nanik Eprianti; Akhmad Yusup; Shakila Carisya
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 6, No 3 (2022): IJEBAR, Vol. 6 Issue 3, September 2022
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v6i3.6170

The Islamic financial literacy index in Indonesia is still low when compared to the conventional financial index, even though the majority of the population in Indonesia is Muslim. Therefore, efforts are needed to improve Islamic financial literacy so that people are more interested in Islamic financial products and services which will ultimately increase the market share of Islamic financial products and services. This study aims to analyze the increase in Islamic financial literacy in SMEs registered at the Department of Cooperatives and SMEs in Bandung Regency by using online media (zoom meeting). The method used is a two-mean difference test (paired sample t-test) between pretest and posttest. The results showed that the value of sig. (2-tailed) is 0.000 < α (0.05) and the t-count value is 28.787˃ t table is 2.093 (df=19 and 95% confidence level). Thus, it can be concluded that there is a significant average difference between the pretest and posttest. Keywords: Islamic financial literacy, online media, SMEs

Tinjauan Fikih Muamalah terhadap Praktik Jual Beli Rambut di Salon Kecantikan Melawati Effendy; Sandy Rizki Febriadi; Nanik Eprianti
Bandung Conference Series: Sharia Economic Law Vol. 3 No. 2 (2023): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v3i2.8052

Islam melarang penggunaan rambut palsu dalam adab berhias. Meskipun jual beli secara umum tidak dilarang dalam Islam, khususnya terkait jual beli rambut manusia sebagai media penjualan, ada aspek-aspek etis dan hukum yang perlu dipertimbangkan. Namun, pada kenyataannya banyak salon menyediakan layanan perawatan rambut seperti hair extensions, dan untuk memenuhi kebutuhan ini beberapa salon membeli rambut dari orang lain untuk kemudian disambungkan pada rambut pelanggan. Penelitian ini bertujuan untuk: pertama, mengetahui mekanisme praktik jual beli rambut di salon kecantikan. Kedua, mengetahui tinjauan fikih muamalah terhadap praktik jual beli rambut di salon kecantikan. Kerangka penelitian dalam penelitian melibatkan rukun dan syarat jual beli. Jenis penelitian ini adalah penelitian kualitatif dengan menggunakan pendekatan deskriptif kualitatif. Sumber data yang digunakan adalah data primer dan data sekunder. Pengumpulan data menggunakan metode wawancara, observasi, studi pustaka, dan studi dokumentasi. Kemudian data yang didapat dianalisis menggunakan analisis studi kasus. Hasil penelitian menunjukan bahwa Menurut perspektif Fikih Muamalah, jual beli rambut sambung asli tidak diperbolehkan karena rambut merupakan bagian dari organ tubuh manusia. Mayoritas ulama fiqih dari Madzhab Hambali, Maliki, dan Syafi''i sepakat bahwa tidak boleh memanfaatkan atau menjual rambut manusia untuk tujuan tertentu. Selain itu, rambut sambung asli juga tidak memenuhi syarat, rukun, dan akad yang sah dalam jual beli. Oleh karena itu, transaksi jual beli rambut di salon tidak memenuhi rukun dan syarat akad sehingga dianggap tidak sah. Islam forbids the use of wigs in ornate adab. Although buying and selling is generally not prohibited in Islam, especially when it comes to buying and selling human hair as a medium of sale, there are ethical and legal aspects to consider. However, in reality many salons provide hair care services such as hair extensions, and to meet this need some salons buy hair from others to then connect it to the customer's hair. This study aims to: first, find out how the mechanism of buying and selling hair in beauty salons. Second, knowing how the muamalah jurisprudence review of the practice of buying and selling hair in beauty salons. The research framework in research involves referrals and terms of sale and purchase. This type of research is qualitative research using a qualitative descriptive approach. The data sources used are primary data and secondary data. Data collection using interview, observation, literature study, and documentation study methods. Then the data obtained is analyzed using case study analysis. The results showed that according to the perspective of Jurisprudence Muamalah, buying and selling real joint hair is not allowed because hair is part of human organs. The majority of fiqh scholars from the Hambali, Maliki, and Shafi''i Madhhabs agree that it is not permissible to utilize or sell human hair for any particular purpose. In addition, the original joint hair also does not meet the requirements, get along, and a valid contract in buying and selling. Therefore, hair buying and selling transactions in salons do not meet the pillars and conditions of the contract so they are considered invalid.

Analisis Penerapan Pasal 4 Undang-Undang Nomor 33 Tahun 2014 tentang Jaminan Produk Halal terhadap Kepemilikan Sertifikat Halal pada Produk Minuman di Daily Milk Bandung Nur Haliza; Sandy Rizki Febriadi; Nanik Eprianti
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 1 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i1.10169

Abstract. The ownership of a halal certificate is mandatory according to Law Number 33 of 2014 concerning the Assurance of Halal Products. The halal status of Daily Milk becomes uncertain due to the absence of a halal certificate. While public awareness of halal certification is increasing, it is not matched by the awareness of business operators in providing assurance of the halal status of their products. The research aims to identify the implementation of Article 4 of the JPH Law and the ownership of halal certificates in Daily Milk Bandung. This study discusses the ownership of halal certificates in Daily Milk and analyzes the legal awareness of business owners regarding the ownership of halal certificates, as well as protection for Muslim consumers. The research uses a normative-empirical legal research approach. The data collection method involves field research using primary sources such as observation and interviews. Secondary sources include regulations, books, and relevant journals. The data collection process uses literature review, observation, and interviews, with data analysis through three stages: data reduction, data presentation, and conclusion drawing. The results show the absence of halal certificate ownership in Daily Milk as stipulated in Article 4 of the JPH Law and the lack of legal awareness among the business owners of Daily Milk regarding the obligation of halal certificate ownership. However, the business owners have provided protection for Muslim consumers in accordance with the JPH Law and Consumer Protection Law. Abstrak. Kepemilikan sertifikat halal adalah wajib berdasarkan Undang-Undang Nomor 33 Tahun 2014 tentang Jaminan Produk Halal. Kehalalan produk Daily Milk menjadi tidak pasti karena tidak adanya kepemilikan sertifikat halal. Kesadaran masyarakat terhadap sertifikasi halal menjadi meningkat, namun tidak diimbangi dengan kesadaran pelaku usaha dalam memberikan jaminan kehalalan produknya. Penelitian bertujuan untuk mengindentifikasi penerapan Pasal 4 UUJPH dan kepemilikan sertifikat halal di Daily Milk Bandung. Penelitian ini membahas mengenai kepemilikan sertifikat halal di Daily Milk dan analisis kesadaran hukum pemilik usaha terhadap kepemilikan sertifikat halal, serta perlindungan bagi konsumen Muslim. Penelitian ini menggunakan pendekatan penelitian hukum normatif-empiris. Jenis data penelitian menggunakan data lapangan dengan sumber data primer, yaitu observasi dan wawancara. Sumber data sekunder, yaitu peraturan perundang-undangan, buku, dan jurnal-jurnal yang relevan. Metode pengumpulan data penelitian menggunakan studi pustaka, observasi dan wawancara dengan analisis data melalui tiga tahapan, yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan tidak adanya kepemilikan sertifikat halal di Daily Milk sebagaimana Pasal 4 UU JPH dan tidak adanya kesadaran hukum pemilik usaha Daily Milk terhadap kewajiban kepemilikan sertifikat halal, namun pemilik usaha telah memberikan perlindungan bagi konsumen Muslim yang mengacu kepada UUJPH dan UUPK.

Tinjauan Etika Bisnis Islam terhadap Praktik Jual Beli Sistem Preloved pada Shopee Nisrina Jameela; Eva Misfah Bayuni; Nanik Eprianti
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 1 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i1.11197

Abstract. Buying and selling is a form of social interaction that is often carried out by all humans. Doing business must adhere to the basic principles of Islamic business ethics. Business and ethics should not be seen as two opposing things in Islamic economics, in fact buying and selling using online systems tends to ignore ethics. Even though there are many free trade ideas emerging, debates and competition which ultimately give rise to enthusiasm among business people to justify various ways of selling their products in online shops. Prelovedboo online shop buying and selling practices on Shopee describe the product as having "no minuses" but after the product arrives to the buyer there are stains. This research uses qualitative methods, with data collection techniques through interviews, documentation, literature study, and observation, then with data analysis techniques, namely data reduction, data presentation, and drawing conclusions. The results of this research are reviewed from the basic principles of Islamic business ethics, regarding the Islamic business ethics implemented by Prelovedboo at Shopee revealing business practices that reflect the basic principles of Islamic business ethics. The shop owner, Salsabila Hana, runs a business by integrating ethical business values into every aspect of its operations. However, Islamic business ethics regarding buying and selling Prelovedboo on Shopee does not meet the principles of Islamic business ethics, namely at the balance point where the Prelovedboo online shop is not specific in providing descriptions of goods sold on Shopee. This can be a challenge in implementing the principles of balance or fairness, because buyers must be able to trust the information provided by the seller. Abstrak. Jual beli merupakan bentuk interaksi sosial yang sering dilakukan semua manusia. Berbisnis harus berpegang pada prinsip-prinsip dasar etika bisnis Islam. Bisnis dan etika tidak boleh dilihat sebagai dua hal yang berlawanan dalam ekonomi Islam, dalam kenyataannya jual beli yang menggunakan sistem online cenderung mengabaikan etika. Bahkan sekalipun ada banyak muncul gagasan perdagangan bebas, perdebatan, dan persaingan yang pada akhirnya memunculkan gairah dari para pembisnis untuk menghalalkan berbagai cara dalam menjual produknya di online shop. Praktik jual beli online shop Prelovedboo di Shopee mendeskripsikan produk “no minus” namun setelah produk sampai kepada pembeli terdapat noda. Penelitan ini menggunakan metode kualitatif, dengan teknik pengumpulan data melalui wawancara, dokumenasi, studi pustaka, dan observasi, kemudian dengan teknik analisis data yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian ini ditinjau dari prinsip-prinsip dasar etika bisnis Islam, mengenai etika bisnis Islam yang diterapkan oleh Prelovedboo di Shopee mengungkapkan praktik bisnis yang mencerminkan prinsip-prinsip dasar dalam etika bisnis Islam. Pemilik toko, Salsabila Hana, menjalankan bisnis dengan mengintegrasikan nilainilai etika bisnis dalam setiap aspek operasionalnya. Namun, etika bisnis Islam terhadap jual beli online shop Prelovedboo di Shopee belum memenuhi prinsip etika bisnis Islam yaitu pada poin keseimbangan dimana online shop Prelovedboo tidak spesifik dalam memberikan deskripsi barang yang dijual di Shopee. Hal ini dapat menjadi tantangan dalam menjalankan prinsip keseimbangan atau keadilan, karena pembeli harus dapat mempercayai informasi yang diberikan oleh penjual.

BPRS Performance Evaluation Using Importance-Performance Analysis (IPA) Hidayat, Yayat Rahmat; Ibrahim, Mohammad Andri; Srisusilawati, Popon; Eprianti, Nanik; Wijayanti, Intan manggala
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 1 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i1.11232

BPRS (Bank Pembiayaan Rakyat Syariah) is a bank that conducts its business activities based on Sharia procedures. However, its assets and financing are still relatively small compared to commercial banks. One of the reasons for this is that BPRS is limited in providing services for payment transactions. Therefore, it is important to evaluate the performance and customer satisfaction levels of BPRS. This study aims to measure the efficiency of BPRS performance using the Importance Performance Analysis (IPA) method. The research was conducted at PT. BPRS Bhakti Sumekar, a BPRS owned by the Regency Government of Sumenep. The results of this measurement can be used to evaluate the performance of BPRS Bhakti Sumekar in facing challenges and opportunities as well as for policy making considering its huge impact on the community. The results showed an average Conformity Level (TKi) of 99.57%, indicating that the performance of each attribute has met customer expectations but still requires improvement. The Customer Satisfaction Index (CSI) value resulting from this study was 75.45%, indicating that customer satisfaction with BPRS Bhakti Sumekar as a whole can be considered as satisfied. This customer satisfaction is based on the CSI interpretation table, which shows that the value obtained in this study falls in the range of 66% - 80.99%. This suggests that the performance of BPRS Bhakti Sumekar has almost reached customer expectations, leading to a high level of customer satisfaction.

Crowfunding Financing in the View of Islam Nanik Eprianti; Mohammad Andri Ibrahim; Popon Srisusilawati
al-Afkar, Journal For Islamic Studies Vol. 7 No. 3 (2024)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v7i3.1005

The presence of financial technology in the financial institution industry is growing very rapidly. Crowdfunding is one of the ways for Muslims to plant kindness in the form of helping each other by means of charity jariyah for the needs of social charity which will be a charity of goodness for the afterlife. The purpose of the analysis is to see the suitability of Islamic crowdfunding financing, and what is the Islamic view of crowdfunding financing. This research uses qualitative methods using a descriptive analysis approach. The types of data used in this study are secondary data and literature research. The result of this research is that sharia crowdfunding financing is one of the innovations of financial institutions in improving financial services for the community. The concept of sharia crowdfunding applied in Indonesia is already guided by the Qur'an and Sunnah, this can be seen in the existence of a sharia supervisory board that oversees the financing process, in accordance with the Fatwa of the National Sharia Council-Indonesian Ulema Council (DSN-MUI) Number 117 / DSN-MUI / II / 2018.

Pendampingan Literasi Akad dan Produk Pembiayaan Financial Teknologi Berbasis Syariah Bagi Ibu PKK Kelurahan Kadungora Eprianti, Nanik; Srisusilawati, Popon; Ibrahim, Mohamad Andri; Wijayanti, Intan Manggala; Rahmah, Luni Nur; Rahmadani, Yunifa
Journal of Community Research and Service Vol 7, No 2: July 2023
Publisher : Universitas Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24114/jcrs.v7i2.49926

Fintech syariah merupakan layanan atau produk keuangan yang menggunakan teknologi dengan basis skema syariah, kemunculan Fintech syariah di Indonesia merupakan respon terhadap perkembangan perusahaan Fintech konvensional yang menggunakan instrumen bunga dalam operasionalnya. Berbagai produk dari financial technology didesain untuk mempermudah masyarakat dalam mengakses produk dari Fintech tersebut baik berupa pinjaman, penghimpunan dana secara kolektif, pembayaran online, permodalan, investasi dan produk fintech lainnya. Di keluarahan kadungora kecamatan kadungora, masih banyak yang mengunakan bank emok, dimana Ketika meminjam pada bank emok admintrasi cukup mudah hanya aja jika masyarakat telat membayar angsuran akan dikenakan denda cukup besar dan ada tekanan dari pihak bank. Kurangnya pemahaman masyarakat tentang financial technology yang berdampak pada lambatnya perkembangan financial teknologi berbasis syariah di Indoneisa. Tujuan penelitian ini yaitu; Untuk memberikan pengetahuan kepada masyarakat melalui ibu PKK tentang literasi akad dan produk pembiayaan financial teknologi berbasis syariah di Desa kadungora. Dari pengabdian ini tujuan jangka panjangnya adalah meningkatkan pengguna jasa keuangan secara online (fintech) dengan suatu pembelajaran yang inovatif berbasis pendampingan untuk menambah ilmu pengetahuan dan meningkatkan usaha bagi usaha kecil menengah serta berkontribusi dalam perkembangan financial teknologi. Metode dalam pendampingan ibu PKK ini dengan cara menghubungi dan menjalin kerjasama dengan ibu lurah di desa kadungora, kemudian melakukan pendekatan dengan survey ke desa kadungora, selanjutnya mengumpulkan ibu pkk dan memberikan gambaran umum mengenai kegiatan pendampingan, serta dilakukan pendampingan kepada ibu pkk tentang financial technology mulai dari produk, akad dan manfaat yang ada di jasa keuangan financial technology.

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