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All Journal JURNAL SISTEM INFORMASI BISNIS NISBAH: JURNAL PERBANKAN SYARIAH AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT MALIA: Journal of Islamic Banking and Finance Bulletin of Community Engagement Solidaritas: Jurnal Pengabdian Journal of Islamic Economics Lariba
Agep, Agep
Institut Agama Islam Negeri (IAIN) Kudus, Indonesia
Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Social Sciences Other

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Increasing Economic Potential Village through the Establishment of Badan Usaha Milik Desa (BUMDES) Based on Local Wisdom Kharis Fadlullah Hana; Lorena Dara Putri Karsono; Agep Rumanto
Bulletin of Community Engagement Vol 2 No 1 (2022): Bulletin of Community Engagement
Publisher : CV. Creative Tugu Pena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51278/bce.v2i1.300

Abstract

The article aimed to provide an assistance Village Leader of Jetiskapuan Village in preparing Badan Usaha Milik Desa (BUMDES). The method of this activity was carried out by providing directions for the creation of Badan Usaha Milik Desa (BUMDES) drafting team, economic potential analysis, business feasibility analysis, training for the drafting team and village deliberations for the formation of BUMDES. The results of this service are marked by an agreement on the type of business being managed, the name of the BUMDES, the capital of the bumdes, the articles of association and the by-laws of the bumdes. The line of business managed is Water Treatment and Waste Management. This service recommendation needs support and understanding between the village government and the village consultative body. PP No. 21 provides rules for BUMDES to stand alone without the involvement of the village government, the highest decision is the village meeting. This provided a lack of support from the village government at the time of BUMDES was formed. The recommendation for the results of this service is to always coordinate with the village government in order to occurs synchronization between village programs and BUMDES, besides that need to training regarding bumdes business governance for business unit development and the formation of new business units. Keywords: Economic Potential, Business Feasibility, Increasing Economic Potential
Short Course Manajemen Mutu Internasional, Manajemen Investasi dan Manajemen Finansial di KSPPS-BMT Ummat Sejahtera Abadi Jepara Ibnu Muttaqin; Agep Rumanto; Johan Afandi
Solidaritas: Jurnal Pengabdian Vol. 2 No. 1 (2022): Solidaritas: Jurnal Pengabdian
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat UIN Prof. K.H. Saifuddin Zuhri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/sjp.v2i1.6379

Abstract

Jepara merupakan daerah yang sangat potensial sebagai rujukan wisata alam dan olahraga serta kawasan industri yang besar, sebagai salah satu support system dalam aktifitas masyarakat tersebut, lembaga keuangan berperan penting di dalamnya. Lembaga keuangan tersebut harus mampu menyokong dengan baik, untuk itu pengelolaan lembaga yang baik merupakan hal mutlak yang harus dilakukan. Kegiatan pengabdian kepada masyarakat bertema manajemen mutu ISO. 9001, manajemen investasi dan manajemen finansial dilatarbelakangi atas kurangnya kesadaran lembaga keuangan menengah dan mikro dalam mengimplementasikan sistem manajemen mutu, manajemen investasi dan manajemen finansial baik untuk perusahaan maupun karyawan, hal ini kami dapatkan informasi langsung dari BMT ketika melakukan pra-riset pada lokasi pengabdian. Diharapkan dengan adanya pengabdian tersebut dapat meningkatkan kinerja manajemen lembaga serta meningkatkan pengetahuan karyawan mengenai sistem manajemen mutu, investasi, dan finansial. Pengadian kepada masyarakat (PKM) dilaksanakan dengan menyelenggarakan short course secara mendalam terhadap jajaran manajemen dan pengelola BMT. Kegiatan berjalan dengan lancar dan diikuti oleh peserta dengan penuh antusias. Proses diskusi berjalan dengan menarik serta mengembangkan teori yang ada. Para peserta cukup dapat memahami arti pentingnya manajemen mutu, investasi dan finansial baik bagi BMT maupun individu. Manajemen mutu bermanfaat untuk pengembangan dan kelangsungan usaha, manajemen investasi dan finasial bermanfaat untuk karyawan dalam mengelola keuangannya.
ISLAMIC DIGITAL BANK ADOPTION IN DEVELOPING COUNTRIES: A CASE STUDY ON MILLENNIALS IN INDONESIA Rumanto, Agep
NISBAH: Jurnal Perbankan Syariah Vol. 10 No. 1 (2024): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v10i1.13491

Abstract

Digital bank is one of the latest cutting-edge on financial technology. This research purpose is to analyze Indonesian millennials behavior toward adoption on digital bank by utilizing extended Technological Acceptance Model (TAM). A partial least square-structural equation model (PLS-SEM) is used to analyze the data of 113 respondents. Based on the findings, the perceived ease of use, perceived usefulness, risk and religiosity determined the intention to adopt Islamic digital bank. In this study also revealed that religiosity insignificant in moderating usefulness toward intention to adopt Islamic digital bank. The research finding extends the TAM with risk and religiosity. These findings contribute extensively to the digital bank literature and theories associated with TAM framework.
Dampak Kesesuaian Syariah dan Variabel Lainnya Terhadap Tingkat Underpricing pada Penawaran Saham Perdana di Indonesia Rumanto, Agep
MALIA: Journal of Islamic Banking and Finance Vol 6, No 1 (2022): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v6i1.14942

Abstract

This study aims to analyze whether there is an effect of sharia compliance with the level of underpricing in Indonesia. In addition to sharia compliance factors, other factors are also included, namely firm size, stock offering, company age, underwriter reputation, risk factors, and market conditions. This study uses a range of IPO sample data between 2011 and 2015. The test results show that there is a simultaneous influence of the seven dependent variables, namely sharia compliance, company size, stock offering, company age, underwriter reputation, risk factors and market conditions on the level of underpricing. Only risk factors and underwriter reputation have a significant effect on the level of underpricing. While the sharia compliance factor itself which is the main hypothesis in this study has no effect on the level of underpricing in Indonesia.
Do men and women respond differently to Sharia marketing? Exploring ethical drivers of loyalty in Islamic banking Hadi, Solikhul; Rumanto, Agep
Journal of Islamic Economics Lariba Vol. 12 No. 1 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss1.art17

Abstract

IntroductionEthical and Sharia-compliant marketing has become a strategic foundation for Islamic banks seeking to build sustainable customer loyalty. Unlike conventional marketing, Sharia marketing emphasizes honesty, fairness, and trust, reflecting Islamic ethical values in every business transaction. However, the extent to which these ethical marketing practices drive customer loyalty—and whether gender differences influence these effects—remains underexplored.ObjectivesThis study aims to analyze the impact of Sharia marketing ethics, represented by the five dimensions of the Islamic marketing mix (product, price, promotion, people, and place), on customer loyalty in Islamic banking. It further examines the moderating role of gender in these relationships to uncover differential behavioral responses among male and female customers.MethodA quantitative explanatory approach was employed, collecting survey data from 295 customers of Bank Syariah Indonesia (BSI) using purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3.2.9 to assess both direct and moderating effects. The model’s validity and reliability were confirmed through confirmatory factor analysis and multicollinearity diagnostics.ResultsFindings reveal that all five elements of Sharia marketing ethics significantly influence customer loyalty, with promotion, product, and place showing the strongest positive effects. Interestingly, the “people” dimension has a negative influence, indicating that employee interactions do not always align with customers’ ethical expectations. Gender significantly moderates the relationships between price, promotion, people, and place with loyalty, suggesting that male and female customers respond differently to ethical marketing signals.ImplicationsThe results underscore the importance of integrating ethical and gender-sensitive strategies in Islamic marketing. Islamic banks should focus on authentic communication, fair pricing, and improving service interactions to strengthen customer trust and long-term loyalty. These insights also provide policy implications for enhancing the ethical governance of marketing practices in Islamic financial institutions.Originality/NoveltyThis study contributes to Islamic marketing literature by integrating ethical Sharia marketing principles with gender-based behavioral analysis. It offers a novel perspective by demonstrating how gender moderates the ethical marketing–loyalty relationship, providing both theoretical enrichment and practical guidance for inclusive marketing strategies in Islamic banking.
LITERASI KEUANGAN SYARIAH SEJAK DINI SEBAGAI UPAYA PENINGKATAN MARKET SHARE PERBANKAN SYARIAH: PADA SANTRI PONDOK PESANTREN FADLILATUL MUNNA, MAGELANG Agep Rumanto; Mahilda Vitriani
Amaliah: Jurnal Pengabdian Kepada Masyarakat Vol 10 No 1 (2026): Amaliah: Jurnal Pengabdian kepada Masyarakat
Publisher : LPPI UMN AL WASHLIYAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32696/ajpkm.v10i1.6478

Abstract

The community service initiative at Pondok Pesantren Fadlilatul Munna, Magelang, focused on boosting Islamic banking market share through early financial literacy. The program aimed to transform students into agents of change for Indonesia's Sharia economy. Execution & Content: Using a structured approach (pre-test, presentation, Q&A, and post-test), experts Arif Mulyawan and Rahmatul Arifin educated participants on: Core Principles: Prohibitions on riba (usury), gharar (uncertainty), and maisir (gambling). Practical Application: The use of Sharia contracts (akads) in economic activities. Results: While initial knowledge was low, post-test results showed significant improvement. Students engaged deeply, asking critical questions about banking costs and the Sharia status of cryptocurrencies. Conclusion: Early education is a strategic necessity for the Islamic finance sector. The program recommends expanding these efforts to more youth to ensure the long-term growth of the Sharia financial ecosystem.
From Faith to Fintech: The Role of Religiosity within the UTAUT Framework in Shaping Islamic Digital Banking Adoption Ibnu Muttaqin; Umarul Faruq; Agep Rumanto
Jurnal Sistem Informasi Bisnis Vol 16, No 1 (2026): Volume 16 Number 1 Year 2026 (In Press)
Publisher : Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/vol16iss1pp%p

Abstract

The rapid growth of digital banking services has revolutionized the global financial industry. However, the adoption of Islamic digital banking continues to warrant empirical examination, particularly in Muslim-majority countries such as Indonesia. As religious values increasingly influence financial decision-making, it is important to understand the behavioral factors that drive the adoption of Islamic digital banking services. This study aims to examine the determinants of Islamic digital banking adoption in Indonesia by employing the Unified Theory of Acceptance and Use of Technology (UTAUT), extended by incorporating religiosity as both a direct predictor and a moderating variable. A total of 223 respondents who are active users of Islamic digital banking services participated in this study. Data were collected through an online questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that social influence and facilitating conditions significantly affect both behavioral intention and actual usage behavior. Religiosity also plays a direct role in shaping customers’ behavior, but it does not moderate the relationship between behavioral intention and actual usage. In contrast, perceived usefulness and perceived ease of use do not show a significant effect on adoption intention. These findings highlight the importance of leveraging community-based social influence and strengthening digital infrastructure. Islamic banks are therefore encouraged to collaborate with credible influencers, enhance service reliability, and integrate Islamic values into customer education programs in order to promote wider adoption of Islamic digital banking services.
Co-Authors Afandi, Johan Ibnu Muttaqin Kharis Fadlullah Hana Lorena Dara Putri Karsono Mahilda Vitriani Muttaqin, Ibnu Solikhul Hadi Umarul Faruq