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Sumiati .
Dosen Juruan Manajemen, FEB, Universitas Brawijaya
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Veterinary Other

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Reframing MSME Sustainability through Contextualized Islamic Law and Local Wisdom: Financial Knowledge, Risk-Taking, and Dynamic Capability Perspective Yuli Agustina; Sumiati Sumiati; Siti Aisjah; Risna Wijayanti
Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Vol 13, No 1 (2026): January-June
Publisher : Faculty of Sharia (Islamic Law) at Fatmawati Sukarno State Islamic University Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v13i1.10860

Abstract

Eco-friendly small and medium enterprises (SMEs) increasingly face sustainability challenges driven by financial uncertainty, competitive pressure, and environmental responsibility. This study examines how financial knowledge, financial skills, and financial risk-taking influence SME sustainability, while testing the mediating role of dynamic capability and the moderating role of local wisdom. Grounded in the dynamic capability framework, this research argues that financial competence alone is insufficient unless entrepreneurs can transform resources into adaptive and innovative capabilities. A quantitative approach was employed using survey data collected from eco-friendly SME owners across East Java Province, Indonesia. The proposed moderated mediation model was analyzed using Structural Equation Modeling (SEM). The results demonstrate that financial knowledge, financial skills, and risk-taking behavior significantly enhance SME sustainability. Moreover, dynamic capability partially mediates these relationships, indicating that financial competence contributes to sustainability primarily through the ability to sense opportunities, seize strategic actions, and reconfigure resources in response to market and environmental changes. The moderation analysis further reveals that local wisdom strengthens the relationship between financial competence and dynamic capability, as well as its subsequent effect on sustainability. These findings highlight that culturally embedded values and community-based practices enhance entrepreneurial resilience and support sustainable decision-making. This study contributes theoretically by integrating financial behavioral factors, dynamic capability theory, and local cultural context into a unified sustainability model for SMEs. From the perspective of Contextualized Islamic Law, these findings resonate with the principles of maqāṣid al-sharīʿah, particularly the preservation of wealth (ḥifẓ al-māl), public welfare (maṣlaḥah ʿāmmah), social cooperation (taʿāwun), and environmental protection (ḥifẓ al-biʿah), which collectively provide a normative foundation for sustainable entrepreneurship. Accordingly, the sustainability of eco-friendly SMEs may be understood not only as an economic objective but also as the realization of Islamic ethical values through the integration of financial competence, adaptive capability, and local wisdom. Practically, the study suggests that SME development programs should emphasize not only financial education but also capability-building interventions aligned with local wisdom to strengthen long-term sustainability in green-oriented enterprises
Optimalisasi Pemanfaatan Artificial Intelligence dalam Peningkatan Kapasitas Penulisan Artikel Ilmiah Berbasis Etika Akademik Sumiati Sumiati; Nuraini Desty Nurmasari
Jurnal Penelitian dan Pengabdian Masyarakat Vol. 4 No. 3 (2026): August 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/w24b1508

Abstract

The use of Generative Artificial Intelligence (GenAI) not only enhances the efficiency of scientific writing but also contributes to the achievement of Sustainable Development Goal (SDG) 4: Quality Education by strengthening digital literacy, promoting adaptive learning, and fostering twenty-first-century competencies. Various GenAI platforms can be utilized to generate research ideas, develop manuscript outlines, improve language quality, and manage citations and references more efficiently. However, the adoption of GenAI also presents challenges related to information validity, academic integrity, and users' ability to critically evaluate AI-generated outputs. This community service program aims to enhance the competencies of academics and students in using GenAI effectively, ethically, and responsibly to support scientific article writing. The results indicate that participants' understanding of the effective, critical, and responsible use of GenAI in scientific writing improved following the training. This program is expected to serve as a mentoring model for improving the quality of scientific publications, strengthening AI literacy, and supporting the transformation of learning in higher education in the era of artificial intelligence.
Co-Authors . Moeljadi A Setiyono A. Setiyono A.D Hasjmy Agustin, Renita Alindra Yanuardi Andarwati Andarwati Ariyani, Anggita Cenda Bergiana Chandra Sulistyorini Choirul Nikmah D.A. Santoso DEWI APRI ASTUTI Djumahir Djumahir Djumilah Hadiwidjojo Djumilah Hadiwidjojo E. Wina Eka Chandradi Yudha Elizabeth Wina Elly Lestari Ermin Widjaja Fatchur Rohman Hanifa Bennu Nur Hence Izhar Hermana W Hidayat, Ilham Hikamah, Siti Roudlotul Himmiyatul Amanah Jiwa Juwita Ilham Maulana Krismi Budi Sienatra Kusuma Ratnawati Lidia Halim Mada, Ratu Dea Manalu W Mintarti Rahayu Moeljadi Moeljadi Muhammad Ridla Nahrowi Nahrowi Nuraini Desty Nurmasari Pusvita Yuana R Safiroh Febrina Ria Estiana Rismawati . Risna Wijayanti Rozikin, Moch. Khoirur Rusdin . S. Iskandar Siti Aisjah T. Toharmat Tiurma Pasaribu Toharmat T Yatno Yenni Yusriani Yuli Agustina