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All Journal JDE (Journal of Developing Economies) Jurnal Ekonomi dan Bisnis Islam Studi Kasus Inovasi Ekonomi Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Bulletin of Community Service and Development (BCSD) East Java Economic Journal eJEBA
Sri Cahyaning Umi Salama
University Of Muhammdiyah Malang
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Nursing Social Sciences

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FAKTOR-FAKTOR PENENTU MUSLIM MILENIAL BERINSVESTASI DI TABUNGAN EMAS SYARIAH: (DETERMINANTS OF MILLENNIAL MUSLIMS' INTEREST IN INVESTING IN SHARIA GOLD SAVINGS) Salama, Sri Cahyaning Umi; Wardani, Mahdayusiska; Hakim, Imamul
e-Journal Ekonomi Bisnis dan Akuntansi Vol. 11 No. 2 (2024): e-JEBA Volume 11 Number 2 Year 2024
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejeba.v11i2.52114

Abstract

The purpose of this study was to determine the factors that influence the interest of millennial Muslims to invest in sharia gold savings in Malang City. The population in this study were those who were included in the millennial generation with a birth range of 1980 to 2000 in Malang City. The sampling technique used the accidental sampling method with a total of 100 respondents. The data source in this study was primary data. Data collection was carried out by distributing questionnaires via Google Form. The data analysis technique, namely SEM or Structural Equation Model modeling, was used as a research data processing technique with the help of the SmartPLS 4.0 test tool. The results of this study indicate that: (1) the knowledge factor has a significant effect on the interest in investing in sharia gold savings, (2) the security factor does not have a significant effect on the interest in investing in sharia gold savings (3) the investment risk perception factor has a significant effect on the interest in investing in sharia gold savings.
Peningkatan Mutu UMKM Melalui Pendampingan Self Declare Sertifikat Halal UMKM Binaan BMT Mandiri Ukhuwah Persada Jawa Timur Millatina, Afifah Nur; Salama, Sri Cahyaning Umi
Abdimas Galuh Vol 6, No 1 (2024): Maret 2024
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ag.v6i1.13461

Abstract

Proses digitalisasi sertifikasi halal ternyata cukup menyulitkan bagi pelaku usaha yang tidak terbiasa dengan penggunaan komputer. Terlebih, membutuhkan waktu yang tidak sebentar untuk mengisi keseluruhan formulir, pelaku usaha mikro dan kecil yang tidak memiliki pegawai lebih memilih membuka usaha atau beroperasi seperti biasa dari pada harus menghabiskan waktu mempelajari rangkaian proses sertifikasi (self declare). Oleh karena itu, tim penulis sebagai pendamping halal merasa perlu untuk melakukan pengabdian masyarakat berupa pendampingan pengisian formulir (SJPH). Berdasarkan hasil pengabdian yang telah dilakukan maka dapat dikatakan bahwa kegiatan pengabdian telah berhasil, pelaku usaha memahami pentingnya sertifikat halal, secara sadar dan keinginan sendiri hadir ke acara pendampingan untuk mendapatkan pengetahuan teknis pengurusan sertifikat halal serta melengkapi berkas-berkas untuk pengajuan sertifikasi halal. Pelaku usaha juga berkenan untuk melakukan perbaikan saat di masa pengajuan ditemukan ketidaksesuaian oleh komisi fatwa yang harus diperbaiki oleh pelaku usaha.
BAITUL MAAL WA TAMWIL DIGITALIZATION AND MILLENNIALS ACCEPTANCE IN INDONESIA Salama, Sri Cahyaning Umi; Millatina, Afifah Nur; Ajija, Shochrul Rohmatul; Hudaifah, Ahmad; Johari, Fuadah
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 2 (2025): JULY - DECEMBER 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i2.66457

Abstract

Digitalization in microfinance institutions, including Sharia-compliant ones such as Baitul Maal wa Tamwil (BMT), is considered crucial for several reasons, including operational efficiency, increased financial inclusion, and rising demand in the evolving financial ecosystem. As a crucial tool for alleviating poverty and empowering marginalized communities, the integration of digital technology has become a necessity, not an option. This research examines the factors that influence millennials’ use of digital financial technology developed by BMT. This study employed the Technology Acceptance Model (TAM) processed through Structural Equation Modeling (SEM) in SmartPLS with 108 respondents. The sample consisted of millennial- generation Islamic digital BMT users in Indonesia who have at least one experience using it. The sampling technique used was accidental sampling, and data collection was carried out for one month. The results indicated that all hypotheses were accepted. Ease of use significantly affected users' attitudes, as did the usefulness for behavior. This finding implies that if a digital BMT platform is easier to use, it will lead to more positive attitudes among its users. , the more useful a digital BMT platform is, the more positively its users will behave and the more likely they will be to use it in the future.
Co-Authors Afifah Nur Millatina Ahmad Hudaifah, Ahmad Dina Heriyati Fadilla Muhammad Mahdi Fuadah Johari, Fuadah Imamul Hakim Mahdi , Fadilla Muhammad Mochamad Novi Rifa’i Muslikhati, Muslikhati Puspita, Icha Rahmad Hakim Sajida, Nasiha Shochrul Rohmatul Ajija Wardani, Mahdayusiska