Articles
<![CDATA[MEMBANGUN MINAT BACA USIA PRA SEKOLAH DENGAN PEMANFAATAN TAMAN BACA PADA TK ABA 04 KOTALAMA ]]>
<![CDATA[Muslikhati Muslikhati]]>;
<![CDATA[Mochamad Novi Rifa’i]]>;
<![CDATA[Fadilla Muhammad Mahdi]]>;
<![CDATA[Afifah Nur Millatina]]>;
<![CDATA[Sri Cahyaning Umi Salama]]>
<![CDATA[ Bulletin of Community Service and Development Vol. 2 No. 2 (2022): JUNE ]]>
Publisher : <![CDATA[Lembaga Pengkajian dan Pengembangan Masyarakat, Yayasan Cahaya Mulia Mandiri ]]>
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<![CDATA[Purpose of the study: Assisting and building the interest in reading for pre-school age children by using a reading garden at ABA 04 Kotalama Kindergarten Methodology: In this study, the methods used are observation, procurement of reading books delivery of reading books and the use of books in the reading garden of TK ABA 04 Kotalama. Main Findings: During the service process, procurement of a reading garden can foster reading interest in children as early as possible while also teaching children to love books and take care of books. Applications of this study: The books consist of books on learning to read, daily etiquette and stories of the Prophet's example. Novelty/Originality of this study: Early childhood's love for books will increase the quality because of the increasing knowledge. Reading garden equipment can foster a love of reading for early childhood with reading that is in accordance with the level of education and reading material.]]>
<![CDATA[The Role of Baznas in Program Implementation for MSMEs: Case Study at Baznas Microfinance in Sawojajar Village, Malang ]]>
<![CDATA[Puspita, Icha]]>;
<![CDATA[Hakim, Rahmad]]>;
<![CDATA[Salama, Sri Cahyaning Umi]]>
<![CDATA[ East Java Economic Journal Vol. 8 No. 2 (2024) ]]>
Publisher : <![CDATA[Kantor Perwakilan Bank Indonesia Provinsi Jawa Timur ]]>
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DOI: 10.53572/ejavec.v8i2.138
<![CDATA[This study aims to determine how the role of BAZNAS in the implementation of the program for MSMEs: A Case Study on BAZNAS Microfinance in Sawojajar Village, Malang. Baznas Microfinance in Sawojajar Village itself has helped mustahik in developing their business and is also free from moneylenders with business capital problems which are obstacles for micro business actors. This research uses descriptive qualitative research. Data collection techniques used are data collection in the form of interviews, and documentation. Data analysis in this research is using data collection, data condensation, data presentation and verification/conclusion. The results of this study indicate that with this program being able to maintain their business during the pandemic, there are even some MSMEs that experienced an increase in turnover during the pandemic after being assisted by BAZNAS. So, by showing a progress, growth, evolution and an increase from what has been planned. In implementing its program, BAZNAS Microfinance in Sawojajar Village has implemented it for mustahik by helping those affected by this pandemic to develop their business and increase sales turnover so that it is helped in the family economy]]>
<![CDATA[SOSIALISASI DAN PENDAMPINGAN SERTIFIKASI HALAL PROGRAM SELF DECLARE PADA USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) BINAAN BMT MANDIRI UKHUWAH PERSADA DI KOTA MALANG ]]>
<![CDATA[Salama, Sri Cahyaning Umi]]>;
<![CDATA[Hakim, Rahmad]]>
<![CDATA[ Bulletin of Community Service and Development Vol. 3 No. 2 (2023): DECEMBER ]]>
Publisher : <![CDATA[Lembaga Pengkajian dan Pengembangan Masyarakat, Yayasan Cahaya Mulia Mandiri ]]>
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<![CDATA[Purpose of the study: The aim of this activity is to provide literacy regarding halal certification which can be done by self-declaration to MSMEs in Malang City. Methodology: There are five stages in this service, namely the preliminary stage to identify the main problems; observation stage to deepen devotion; analysis stage to determine service steps; implementation and execution level; and data evaluation and analysis level. Main Findings: Service participants follow the process according to the specified method. The service runs smoothly with several MSMEs fostered by partners who are committed to being willing to take care of their halal certification. Applications of this study: This service is useful for Malang City MSMEs who do not yet know the halal self-declaration certification process Novelty/Originality of this study: Increasing halal certification literacy among MSMEs in Malang City]]>
<![CDATA[PELATIHAN KEWIRAUSAHAAN SEBAGAI UPAYA INISIASI USAHA BARU BAGI WARGA RUMAH GEMILANG INDONESIA KAMPUS SURABAYA ]]>
<![CDATA[Ajija, Shochrul Rohmatul]]>;
<![CDATA[Sajida, Nasiha]]>;
<![CDATA[Heriyati, Dina]]>;
<![CDATA[Salama, Sri Cahyaning Umi]]>;
<![CDATA[Hudaifah, Ahmad]]>
<![CDATA[ Studi Kasus Inovasi Ekonomi Vol. 8 No. 01 (2024) ]]>
Publisher : <![CDATA[Program Studi Manajemen, Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Malang ]]>
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DOI: 10.22219/skie.v8i01.23318
<![CDATA[Masih tingginya persentase alumni yang belum berpenghasilan menjadi isu utama dalam pencapaian tujuan program Rumah Gemilang Indonesia (RGI) cabang Surabaya. Selain itu, minimnya alumni yang membuka usaha sendiri juga menjadi factor belum optimalnya pencapaian program peningkatan penghasilan bagi peserta RGI. Oleh karena itu, program pengabdian masyarakat berupa pelatihan kewirausahaan ini menjadi sangat penting untuk meningkatkan wawasan dan menumbuhkan jiwa kewirausahaan para santri dan alumni RGI sehingga mereka dapat membuka lapangan pekerjaan baru paling tidak untuk diri mereka sendiri. Rangkaian program pelatihan ini dilakukan selama satu hari penuh dengan materi mengenai penggalian ide bisnis, cara merealisasikan bisnis, dan teknik marketing digital oleh para narasumber pengusaha muda. Antusiasime para santri dan alumni RGI begitu tampak dari banyaknya yang bertanya pada sesi talk show. Selain itu, program pelatihan ini dinilai berhasil meningkatkan wawasan dan semangat berwirausaha para santri dan alumni RGI yang ditandai dengan diinisiasinya usaha bersama dengan nama Koperasi Bentang Gemilang Syariah (BGS) dengan usaha utama berupa jasa jahit eceran maupun grosir di Surabaya.]]>
<![CDATA[Intention of Muslim Millennials to Invest in Islamic Peer-to-Peer Lending in Indonesia ]]>
<![CDATA[Ajija, Shochrul Rohmatul]]>;
<![CDATA[Salama, Sri Cahyaning Umi]]>
<![CDATA[ Journal of Developing Economies Vol. 9 No. 2 (2024) ]]>
Publisher : <![CDATA[Universitas Airlangga ]]>
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DOI: 10.20473/jde.v9i2.51449
<![CDATA[Fintech Peer-to-peer (P2P) lending sharia is an evolution of sharia financial institutions through the use of technology in its operational processes. The millennial generation who grew up with technology has a greater talent in utilizing technology and has deeper insights compared to the previous generation. The purpose of this study is to analyze the determinants that influence Muslim millennials to invest in the Islamic P2P lending sector and determine strategies to improve its effectiveness. Latent variables Attitude Towards Behavior (AT), Subjective Norm (SN), Perceived Behavioral Control (PBC), Financial Literacy (FL), and Behavioral Intention (BI) are selected and analyzed using Structural Equation Modeling (SEM) using SmartPLS. This study used an accidental sampling method which was carried out for 30 days of data collection, where 200 respondents were collected. The respondents were specifically the millennial Muslim generation who had invested in financial institutions at least once. The results showed that all latent variables had a significant influence and PBC had the largest contribution. There are three latent variables that have a significant positive effect on BI, namely AT, PBC, and FL. Meanwhile, only SN has a significant negative effect on BI. Therefore, it is necessary to increase literacy in the Indonesian community. Regulators and implementers must collaborate and synergize in improving Islamic financial literacy in Indonesia. For further research development, other variables or samples from different groups can be used to further enrich literacy in Islamic P2P lending.]]>
<![CDATA[Peningkatan Pemahaman Literasi Keuangan Syariah Bagi Generasi Z ]]>
<![CDATA[Millatina, Afifah Nur]]>;
<![CDATA[Salama, Sri Cahyaning Umi]]>
<![CDATA[ Abdimas Galuh Vol 7, No 1 (2025): Maret 2025 ]]>
Publisher : <![CDATA[Universitas Galuh ]]>
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DOI: 10.25157/ag.v7i1.17866
<![CDATA[Pengabdian kepada masyarakat yang bertajuk Peningkatan Pemahaman Literasi Keuangan Syariah bagi Generasi Z di Kota Malang bertujuan untuk meningkatkan pengetahuan dan pemahaman literasi keuangan syariah di kalangan generasi Z. Generasi Z sebagai kelompok usia yang akan mendominasi penduduk usia kerja masa depan, memerlukan pemahaman literasi keuangan syariah yang baik untuk mengelola keuangannya secara bijak sesuai dengan prinsip syariah. Mitra yang digunakan dalam pengabdian ini adalah Masterprima Malang. Dengan syarat mayoritas peserta merupakan generasi Z dan telah menggunakan keuangan digital, seperti Paylater, namun masih minim literasi terkait keuangan dan ekonomi syariah. Diharapkan dari hasil kegiatan ini akan menunjukkan peningkatan pemahaman literasi keuangan syariah peserta secara signifikan, yang diukur melalui pre-test dan post-test. Selain itu, peserta juga menyatakan adanya peningkatan motivasi untuk menerapkan prinsip keuangan syariah dalam kehidupan sehari-hari. Dengan demikian, program ini diharapkan dapat memberikan kontribusi positif dalam membentuk generasi muda yang lebih melek finansial dan mampu berkontribusi bagi pengembangan ekonomi syariah di Indonesia]]>
<![CDATA[PENDAMPINGAN PENGUATAN KELEMBAGAAN KOPERASI AS-SAKINAH DALAM RANGKA KONVERSI MENJADI KOPERASI SYARIAH ]]>
<![CDATA[Mahdi , Fadilla Muhammad]]>;
<![CDATA[Salama, Sri Cahyaning Umi]]>
<![CDATA[ Bulletin of Community Service and Development Vol. 3 No. 1 (2022): DECEMBER ]]>
Publisher : <![CDATA[Lembaga Pengkajian dan Pengembangan Masyarakat, Yayasan Cahaya Mulia Mandiri ]]>
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<![CDATA[Purpose of the study: The purpose of this activity is to assist the management of the Malang City As-Sakinah Cooperative in converting it into a sharia cooperative through institutional assistance. The conversion to a sharia cooperative was carried out because the As-Sakinah Cooperative, which is under Islamic organization, Muhammadiyah, Malang City, wants to practice Islam as a whole, including in the economic sector. Methodology: The method used in carrying out this activity is a Focus Group Discussion (FGD) by analyzing the cooperative’s statutes and bylaws before and after conversion, then evaluating the results of the activity. Main Findings: The statutes and bylaws of the sharia version are used as material for consideration by the management of the as-sakinah cooperative. Applications of this study: This service is useful for the management of the As-Sakinah Cooperative, PDM Kota Malang, which will convert it into a sharia cooperative Novelty/Originality of this study: The As-Sakinah Cooperative can immediately convert into a sharia cooperative.]]>
<![CDATA[SWOT Analysis in Optimizing Financial Technology in Islamic Cooperative to Increase Islamic Financial Inclusion ]]>
<![CDATA[Salama, Sri Cahyaning Umi]]>;
<![CDATA[Millatina, Afifah Nur]]>
<![CDATA[ e-Journal Ekonomi Bisnis dan Akuntansi Vol. 12 No. 1 (2025): e-JEBA Volume 12 Number 1 Year 2025 ]]>
Publisher : <![CDATA[UPT Penerbitan Universitas Jember ]]>
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<![CDATA[Financial technology has great potential to enhance financial accessibility, particularly for members of Baitul Maal wa Tamwil (BMT) or Islamic cooperatives. However, the adoption of micro-fintech (fintech in microfinance institutions) still faces various challenges, such as limited adoption of technology, regulations, and competition with conventional fintech. This study aims to analyze the strategy of optimizing financial technology in Islamic microfinance institutions to increase Islamic financial inclusion in Indonesia using the SWOT analysis approach. This study is a qualitative study with data collection techniques through observation and literature studies. Based on the results of the SWOT analysis, the strategy for optimizing micro-fintech can be carried out by developing a more inclusive digital platform, increasing education and digital literacy for members, and strengthening cooperation with various parties, including the government and Islamic financial institutions. With the right approach, micro-fintech implementation in BMT can be more effective in increasing islamic financial inclusion in Indonesia.]]>
<![CDATA[Efficiency Analysis of State Budget on Agricultural Development in Indonesia 2012-2016 ]]>
<![CDATA[Salama, Sri Cahyaning Umi]]>
<![CDATA[ Journal of Developing Economies Vol. 3 No. 1 (2018) ]]>
Publisher : <![CDATA[Universitas Airlangga ]]>
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DOI: 10.20473/jde.v3i1.8596
<![CDATA[Indonesia is still far behind compared to other Asian countries in agriculture. The technology and the availability of pre-facilities are still inadequate because of the many obstacles that hamper agricultural development. Agricultural development is a major component of rural development. One way to help the process of agricultural development is with the ease of access to finance. The State through the Ministry of Agriculture continues to make efforts in encouraging the development of domestic agriculture. Funds distributed are not small so it is necessary to calculate the efficient use of state budget funds in agricultural development in Indonesia. This study aims to measure the level of efficiency of the state budget for the agricultural sector. The data used are secondary data derived from the Ministry of Agriculture's financial report from 2012 to 2016. The method used is Data Envelopment Analysis (DEA) with input oriented and output oriented with Variable Returns to Scale (VRS). The input variable used is the realization of State Budget (APBN) for agriculture sector, while the output variables used are Farmer's Exchange Rate (NTP), Gross Domestic Product, and Farmer Productivity. The results show that the year 2015 becomes a very inefficient year both in terms of input oriented and output oriented. The increase in the realization of state expenditures for agriculture is not balanced by significant results, even in 2016 where the relatively small increase in the realization of the agriculture sector budget has had a comparable impact. Keywords: Efficiency, realization Budget expenditure, agricultural development]]>
<![CDATA[Analysis of Islamic Rural Banks Efficiency in the East Region of Indonesia ]]>
<![CDATA[Salama, Sri Cahyaning Umi]]>
<![CDATA[ Journal of Developing Economies Vol. 7 No. 1 (2022) ]]>
Publisher : <![CDATA[Universitas Airlangga ]]>
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DOI: 10.20473/jde.v7i1.33554
<![CDATA[Islamic Rural Bank (BPRS) has important roles for micro-enterprises in Indonesia. This study analyzes the performance of Islamic Rural Bank in Eastern Indonesia, where the Muslim population is minority. Using 14 BPRS spread across a number of islands in Eastern Indonesia with a five-year vulnerability (2016- 2020) and using the Data Analysis Envelopment (DEA) Variable Return to Scale (BCC) model, it can be concluded that only 4 Islamic Rural Banks have been able to be efficient for five consecutive years. -consistent even during a pandemic. Meanwhile, 2 Islamic Rural Banks have not been able to work efficiently for five years and the remaining 8 Islamic Rural Banks are still not consistently working efficiently. During the pandemic, 70% of Islamic Rural Banks that were efficient in the previous year were able to operate efficiently, while 30% of BPRS that were efficient in the year before the pandemic were unable to work efficiently. It is also known that all Islamic Rural Banks that were not efficient in the year before the pandemic remained inefficient during the pandemic.]]>
